DATA ANALYSIS/ RESULTS

1. Descriptive Analysis:
A sample of 60 people who have bank accounts have been asked about how long they hold their
accounts, what kind of services they use and how satisfied they were with the services provided
by the bank. The number of male respondents (35) were higher than female respondents (25).
The respondents were classified into 4 age groups such as: 20-30 years, 31–45 years, 45–60
years and >60 years and most of them were aged between 20-30.
Pie chart, bar chart, histograms were used for the analysis of the data to present the type of bank
accounts, level of satisfaction regarding e-banking services, frequency of facing problems etc.

2. Inferential analysis:

T-test through SPSS have been done to test the hypothesis that-

I. The bank customers on average are at least satisfied with the e-banking services offered
by their banks
II. The customers on average at least agree that the e-banking facilities offered by private
sector banks are better than public sector banks
III. The bank customers in general neutral that the information provided by them for using
the e-banking services is misused
IV. The level of satisfaction of the customers with regards to the e-services provided by their
banks is the same across the gender
V. Both male and female respondents showed similar perception that private sector banks
are better than the public sector banks in terms of the e-banking services provided by
them
VI. Irrespective of the marital status of the respondents, people’s feeling about e-banking
lacking personal touch is similar

3. Summary of Results:
After completing the Major Tasks-1 we conclude that-
I. 75% of the respondents have savings account, 18% hold current account and 7% have
both
II. Most of the people, in total 25 respondents use e-banking monthly and only 5 people use
it fort nightly
III. People aged between 20-30 are mostly satisfied (36 respondents) with e-banking while
only 7 people in the 31-45 age group show this same level of satisfaction. Only 1 person
is highly satisfied with e-banking who falls under the age group 45-60 year
 IV. 20 respondents faced problems in e-banking once in a 6 month and their problems are
solved within a week
V. There is no significant level of gap observed in the expected and observed e-banking
services
VI.
VII. Among all the e-banking facilities, reliability influence most of the people on an average.
59 people thinks its most important.
VIII.
IX. 71.7% of people on an average are satisfied with e-services. 0.321 is the variance statistic
while the skewness observed is -0.551.
After testing all the hypothesis in Major Tasks-2 we decide that-
I. Null Hypothesis: µ >/= 2.9999, Alternate Hypothesis: µ < 2.9999
Null hypothesis should be rejected since p-value (0.073) <significance level (0.1)
II. Null Hypothesis: µ >/= 3.9999, Alternate Hypothesis: µ < 3.99999
Null hypothesis can’t be rejected as p-value (0.497)>significance level(0.1)
III. Null Hypothesis: µ = 3, Alternate Hypothesis: µ ≠ 3
Null hypothesis should be rejected as p-value (0.002<significance level (0.1)

IV. Null Hypothesis: Population standard deviations are equal

Alternate Hypothesis: Population standard deviations are not equal
Null hypothesis should be rejected since p-value (0.007) <significance level (0.05)
V. Null Hypothesis: Population standard deviations are equal
Alternate Hypothesis: Population standard deviations are not equal
Null hypothesis can’t be rejected because p-value (0.961)>significance level (0.05)
VI. Null Hypothesis: Population standard deviations are equal
Alternate Hypothesis: Population standard deviations are not equal
Null hypothesis should be rejected as p-value (0.045) <significance level (0.05)