A

Societal Internship project

ON
TITLE OF THE PROJECT
A report Submitted in partial fulfillment of the academic Requirement for the II B. Tech II Sem
BACHELOR OF TECHNOLOGY
IN
COMPUTER SCIENCE AND ENGINEERING

Submitted By

E. RAHUL 229P1A0593
(Name of the Student) (HT.No)

Under the Guidance of

Dr.Sk.Mahaboob Basha
Professor, Department of CSE

DEPARTMENT OF COMPUTER SCIENCE AND ENGINEERING

SREE DATTHA INSTITUTE OF ENGINEERING AND SCIENCE

(AUTONOMOUS)
(Accredited by NAAC,Affiliated to JNTUH, Approved by AICTE, New Delhi),Recognized Under Section 2(f)
of the UGC Act.1956,Sheriguda (V), Ibrahimpatnam (M), Ranga Reddy – 501510.
www.Sreedattha.ac.in
2022-26
DDDD

SREE DATTHA INSTITUTE OF ENGINEERING AND SCIENCE

(AUTONOMOUS)
(Accredited by NAAC,Affiliated to JNTUH, Approved by AICTE, New Delhi),Recognized Under Section
2(f) of the UGC Act.1956,Sheriguda (V), Ibrahimpatnam (M), Ranga Reddy – 501510.

DEPARTMENT OF COMPUTER SCIENCE AND ENGINEERING

CERTIFICATE
This is to certify that the project entitled “Title of the Project” is being submitted by Name of
the Student (Ht.No), in partial fulfillment of the requirements for the B.Tech II-II Semister in Computer
Science and Engineering to the Jawaharlal Nehru Technological University Hyderabad, is a record of
bonafide work carried out by him/her under my guidance and supervision during the year 2023-24.
The results embodied in this thesis have not been submitted to any other University or Institute for the award
of any degree or diploma.

PROJECT GUIDE HOD

(Name of the Guide) (Dr.SK.Mahaboob Basha)

Submitted for viva voce Examination held on ___________________

II
DDDD

SREE DATTHA INSTITUTE OF ENGINEERING AND SCIENCE

(AUTONOMOUS)
(Accredited by NAAC,Affiliated to JNTUH, Approved by AICTE, New Delhi),Recognized Under Section
2(f) of the UGC Act.1956,Sheriguda (V), Ibrahimpatnam (M), Ranga Reddy – 501510.

DEPARTMENT OF COMPUTER SCIENCE AND ENGINEERING

DECLARATION

I am here by declaring that the project report titled“Project Title ”under the guidance of
Dr.Sk.Mahboob Basha,SREE DATTHA INSTITUTE OF ENGINEERING AND
SCIENCE,IBRAHIMPATNAM is submitted in partial fulfillment of the requirement for the award of the
degree of B. Tech. In Computer Science and Engineering is a record of bonafide work carried out by me and
the results embodied in this project have not been reproduced or copied from any source.
The results embodied in this project report have not been submitted to any other University or Institute for
the award of any Degree or Diploma.

Name of the Student

Name Ht.No

III
DDDD

ACKNOWLEDGEMENT

Apart from our efforts, the success of our project depends largely on the encouragement and guidelines of Sree
Dattha Team.We take this opportunity to express our gratitude to the people who have been instrumental in the
successful completion of this project.

We would like to express our sincere gratitude to Sri. G. Panduranga Reddy, Chairman and Dr. GNV Vibhav
Reddy, Vice-Chairman for providing excellent infrastructure and a nice atmosphere throughout this project. We
are obliged to Dr. S.Venkateshwarlu, Principal for being cooperative throughout this project.

We are also thankful to Dr. S.Venkata Achuta Rao, Professor CSE & Dean Academics, Department of
Computer Science and Engineering for providing encouragement and support for completing this project
successfully.

We take this opportunity to express my profound gratitude and deep regard for my HOD Dr.Sk.
Mahaboob Basha & internal guide Guide Name, Assistant Professor for his/her exemplary guidance,
monitoring and constant encouragement throughout the project work. The blessing, help and guidance given by
him/her shall carry us a long way in the journey of life on which we are about to embark.

The guidance and support were received from all the members of Sree Dattha Institute of Engineering and
Science who contributed to the completion of the project. We are grateful for their constant support and help.

Finally, we would like to take this opportunity to thank our family for their constant encouragement, without
which this assignment would not be completed. We sincerely acknowledge and thank all those who gave
support directly and indirectly in the completion of this project.

4
 Abstract

Virtual Banking/E-Banking/online Banking/Internet Banking/personal computer

banking/home banking/remote electronic banking/phone banking, these are the
synonyms for the Electronic Banking. The term E-Banking covers both computer and
telephone banking. These two types of banking involve the usage of passwords. It
came into existence due to Innovation in Technology and competition among the
existing banking organizations, who displays their banking products and services for
easy accessibility to the customers which can be delivered through the internet. The
rapid development of E-banking services carries risks as well as benefits. Hence, it is
the responsibility of the bankers to recognize, manage and to address banking
institutions in cautious and sensible way according to the fundamental characteristics
and challenges of E-Banking services. Electronic banking and finance is the penetrating
mechanism with a variety of services especially in the banking sector. Globalization and
technological advancement like kiosks and internet brought many products and services like
ATMs, Smart cards, Online Banking which is facilitating electronic payment, Plastic money
services, Brokerages and foreign exchange transactions, which automatically leads to wide
access of B2B and B2C business domains. The website technology has totally transformed
the banking business. The success of Internet banking depends upon the well designed
website of a bank. India has 155 scheduled banks with 99,218 ATM network (June-
2012). SBI leads the pack with 22,469 ATMs followed by Axis Bank with 10,337 ATMs. In
India E-Finance are governed by several acts like IT act-2000, Central bank guidelines on
internet banking etc. Even it has many advantages; E-Finance in banking sector has
associated with many risks like security risk, System architecture and design etc. So this
paper discusses the impact of E-Finance on banking sector, its various products and
services, diverse risk associated with electronic banking services and its solutions to tackle
these challenges. The study is based on exploratory research mainly on qualitative analysis.
 TABLE OF CONTENTS

CHAPTER NO. TITLE PAGE NO

ABSTRACT i

LIST OF TABLES ii

LIST OF CHARTS ii

1 INTRODUCTION 1

1.1Introduction 2

1.2 Electronic Baking 3

1.3 Importance of e- banking in the present India 4

1.4 Tools and services of e-banking 4

1.5 Types of E-Banking 6

1.6 Statement of Problem 7

1.7 Significance of the Study 2

1.8 Scope of the Study 8

1.9 Objective of the Study 8

1.10 Limitations 8

2 2.1 REVIEW OF LITERATURE 9

3 3.1 RESEARCH METHODOLOGY 15

3.2 Research Design 16

3.3 Sources of Data 16

3.4 Sampling Technique 16

3.5 Tools Used 17

3.6 Hypothesis/ Analytical Tools 17

4 DATA ANALYSIS AND INTERPRETATION 18

4.1 Percentage analysis 19

4.2 Pie Diagram 18

4.3 Bar Diagram 20

5 FINDINGS, SUGGESTIONS AND CONCLUSION 38

5.1 Findings of the Study 39

5.2 Suggestions 40
 LIST OF TABLE

TABLE NO. PARTICULARS PAGE NO.

4.1 Gender of the respondents 19
4.2 Educational Qualification of the respondents 20
4.3 Occupation of the respondents 21
4.4 Annual income of the respondents 22
4.5 Bank Account of Consumers 23
4.6 Types of Bank Accounts 24
4.7 Duration of Using banks Services 25
4.8 Awareness About E-Banking Services 26
4.9 Source of Knowing E-Banking Services 27
4.10 Level of Awareness About Various E-Banking 28
Services
4.11 Most Familiar Fund Transfer 29
4.12 Usage Of Banking Services 30
4.13 E-Banking Personally Adopted 32
4.14 Influencing Factors to Prefer Banking 33
Services
4.15 Limiting Factors Faced by Customers While 34
Operating Transaction
4.16 Opinion About Various Factors Regarding E- 35
Banking Services
4.17 Chi-Square Test 36
 LIST OF CHARTS

CHARTS NO. PARTICULARS PAGE NO.

4.01 Gender of the respondents 19

4.02 Educational Qualification of the respondents 20

4.03 Occupation of the respondents 21

4.04 Annual income of the respondents 22

4.05 Bank Account of Consumers 23

4.06 Types of Bank Accounts 24

4.07 Duration of Using banks Services 25

4.08 Awareness About E-Banking Services 26

4.09 Source of Knowing E-Banking Services 27

4.10 Level of Awareness About Various E-Banking 28

Services
4.11 Most Familiar Fund Transfer 29

4.12 Usage Of Banking Services 30

4.13 E-Banking Personally Adopted 32

4.14 Influencing Factors to Prefer Banking Services 33

4.15 Limiting Factors Faced by Customers While 34

Operating Transaction
4.16 Opinion About Various Factors Regarding E- 35
Banking Services
 CHAPTER 1
INTRODUCTION

1
 1.1 INTRODUCTION

Now a day’s information technology plays a vital role in banking sector. Day
by day increasing change in technology world, it leads to improve E-Banking
services of various banks. In banking industry in the past, large queues could be
observed for payment utility bills or for cash withdrawals/deposits. The banks are
succeeded to reduce this queue through uses of latest technology, but still busy
common people are demanding less time methods for banking transactions. In this
regard, banks are going utilize internet facility for customer’s transactions. This
method will reduce paper work, and will give quick response to customer while they
remain in their office or at home. It pro vides various advantages to customers of
various banks. Now a days people are educated more than older days, today human
lives become machine oriented and they don’t have enough time to visit bank branch
than even before.

E-Banking means providing banking products and services through electronic

delivery channels like ATM, internet banking, telephone banking and other electronic
delivery channels. Internet banking highly useful to the customer one who have
computer with internet connection, they need not visit bank branch for their business
transactions. Simply they can transact anywhere, anytime if they have internet
connection.by dialing the telebanking number customer can get various facilities like
cheque book request, balance enquiry etc…E-Banking includes the system that
enables the financial institution customers, individual or business, to access
accounts, transact business, or obtain information on financial products and services
through a public or private network, including the internet. Customers access E-
Banking services using an intelligent electronic device, such as personal computer
(PC), automated teller machine (ATM), kiosk or mobile phone.

Electronic banking is a high-order construct, which consists of several distribution

channels. It should be noted that electronic banking is a bigger platform than just
banking via the internet. The term electronic banking can be described in many
ways. In a very simple form, it can mean the provision of information or services by a
bank to its customers, via a computer, television, telephone, or mobile phone
(Daniel, 1999). Electronic banking has different types of delivery channels:
telephone, PC, mobile and the internet. Moreover, Personal Computer allow
customer to use all E-Banking facility at home without go to bank. It gives customers

2
a variety of services so they can move money between accounts, pay bills, check
balances, and buy and sell mutual funds, securities and also submit electronic loan
applications through PC Banking. A mobile banking service is the newest service in
electronic banking Customers can check their balance and make adjustments
between accounts, account transactions, payments etc. Internet is the
interconnection of computer communication networks which enable the customer to
perform all the banking activities over the internet.it is the latest wave in the
information technology. The NET is changing everything, from the way of conduct
commerce and the way of distribution of information. Several benefits of strong
electronic service have also been identified as including satisfied and retained
customers, attraction of new customers, development of customer relationships,
increased sales and market shares, enhanced corporate image, reduced costs and
increased profit margins and business performance.

The main advantage regarding E-Banking is that is availability 24 hours a day

and 7 days a week. Customer’s perception and life style plays important role in
growth of E-Banking system.

The fact is that the customers are even not using all of E-Banking products
and services offered by the bank. So there arise the necessity for the study of
customer’s awareness and perception towards E-Banking services.

1.2 ELECTRONIC BANKING

Meaning

E-banking also known as internet banking, online banking or virtual banking is an

Electronic payment system that enables customers of a bank or other financial
institution to conduct a range of financial transactions through the financial
institution’s website. To access a financial institution’s online facility, a customer with
internet access would need to register with the institution for the service, and set up
a password and other credentials for the verification. For other E-banking facilities,
necessary procedures are to be done according to banker’s instructions. For the use
of ATM facility, the card must be availed. There are two ways to offer Internet
banking. First, an existing bank with physical offices can establish a web site and
offer Internet banking in addition to its traditional delivery channels. Second, a bank

3
may be established as a “branch less, Internet only, or virtual bank” without any
physical branch.

1.3 IMPORTANCE OF E- BANKING IN THE PRESENT INDIA

E-banking is information technology based banking. Under this system, the banking
Services are delivered by a computer-controlled system. In India, E-banking is of
fairly recent origin. In this fast moving technological world, every human activity is
transforming to technology based, and the human life style also changed with this a
lot of. So, a speed and convenient system is necessary in the banking sector also.
Here comes the use and effectiveness of e- banking with the present world’s
requirements. E -banking ensures 24 hours of service to its customers. The cost of
transactions and effort for the access is negligibly small compared to the traditional
banking system. The Indian government has put a reasonable care to this system
and announced various programs and schemes like Digital India, Jan dhan yojana,
Adhar linking with bank accounts, cashless economy initiatives etc. It is hopeful that
Indian banking sector is fairly mature and also they are trying to make innovations in
this sector. The shops keepers are very willing to install the POS swiping facility to
simplify the money transactions with customers and dealers.

1.4 TOOLS AND SERVICES OF E-BANKING

1.4.1 TOOLS OF E- BANKING

 Automated Teller Machine

The Automated Teller Machines are computerized telecommunication device that

provides a financial institutions customers a method of financial transactions in a
public space without the need for a human clerk or bank teller. These are meant for
balance enquiries, cash withdrawals and many other facilities depending upon
policies of the bank. This requires a valid Customer Id and password to log in and is
therefore safe to be used.

 Debit Card

Debit Cards is another advanced technology of the electronic banking. Now-a-

days, these cards are the multi-purpose cards and can be used in ATMs for balance

4
enquiry and cash withdrawal or can be used for easy shopping at various counters.
Debit Cards ensure the automatic deduction of amount from the account just by
scratching it on the machine.

 Credit Card

A credit card system is a type of retail transaction settlement and credit system,
named after the small plastic card issued to users of the system. In the case of
credit cards, the issuer lends money to the consumer. Credit cards become very
popular in India with the introduction of foreign banks in the country.

 Smart Card

A Smart card is a plastic card used for storing and retrieving personal information.
Normally, it is the size of a credit card and contains electronic memory and
possibly an embedded integrated circuit.

 Kiosk machine

A kiosk is a small, free structure that displays information or provides a service.

Kiosks can be manned or unmanned, and unmanned kiosks can be digital or non-
digital. In business, kiosks are often used in locations with high foot traffic. In
shopping mall, For example an unmanned, non –digital kiosk can be placed near
entrances to provide people passing by with directions or promotional messaging
.manned kiosks temporarily set up in Aisels can provide businesses that have
seasonal sales cycles with a cost effective way to display wares, and digital kiosks
placed near movie theatres can provide online banking or ticket sales services.

1.4.2 E-BANKING SERVICES

 Online Bill Payment Service

Each bank has tie - ups with various utility companies, service providers and
insurance companies, across the country. You can facilitate payment of electricity
and telephone bills, mobile phone and insurance premium bills. To pay your bills, all
you need to do is complete a simple one-time registration for each biller. You can

5
also set up standing instructions online to pay your recurring bills, automatically.
Generally, the bank does not charge customers for online bill payment.

 Fund Transfer

You can transfer any amount from one account to another of the same or
any another bank. Customers can send money anywhere in India. Once you
login to your account, you need to mention the payee’s account number, his
bank and the branch.

The transfer will take place in a day or so, whereas in a traditional method, it
takes about three working days

1.5 Types of E-Banking

 Internet banking

Internet banking is the use of internet as a delivery channel for the banking
services, including traditional services, such as opening an account, or transferring
funds among different accounts, as well as new banking services such as
electronic bill presentment and payment, which allow the customers to pay and
receive the bills on a bank's web site. There are two ways to offer internet banking.
First, an existing bank with physical offices can establish a web site and offer
internet banking in addition to its traditional delivery channels. Second, a bank may
be established as a 'branchless',' Internet only', or 'virtual' bank. The Reserve Bank
of India constituted a working group on Internet Banking.

 Mobile banking

Mobile banking is a service provided by a bank or other financial institution that

allows its customers to conduct financial transactions remotely using a mobile
device such as a smart phone or tablet .it uses software, usually called app,
provided by the financial institution for the purpose. It is available on a 24 hour
basis.

 SMS banking

6
It is a form of mobile banking. It is a facility used by some banks or other financial
institutions to send messages (also called notifications or alerts) to Customers
mobile phones using SMS messaging, or a service provided by them which
enables customers to perform some financial transactions using SMS.

 Telephone banking

Telephone banking is one of the most popular banking .it is a service provided by a
bank or other financial institution, that enables customers to perform a range of
financial transactions over the telephone, without the need to visit a bank branch or
ATM . it cannot be used for cash documents (such as Cheques ) for which
customers must visit an ATM or bank branch.

1.6 STATEMENT OF PROBLEM

With the changing environment, banks implemented various E-Banking facilities to

the consumer’s one after the other. It includes internet banking, mobile banking,
SMS banking and telebanking etc. According to consumer’s interest and
convenience they can use the – Banking transactions through online 24hrs services
without hassle. Due to rapid change in technology and the delivery channels have
been introduced. Despite these possibilities, there are various psychological and
behavioural issues such as reluctance to change trust in one’s bank, security
concerns, preference of human interference and like impede the growth of E-
Banking. In this regard a study has been undertaken on the topic consumer
perception towards E-Banking services.

7
 1.7 SIGNIFICANCE OF THE STUDY

In the light of digital India and the central government’s initiative on cashless
transaction economy, it is relevant to study the consumer’s perception towards E-
Banking services. It is important to be aware of the facilities and its usage and what
are their concerns for not using E-Banking. This is an attempt to know the consumer
perception towards E-Banking services.

1.8 SCOPE OF THE STUDY

Today the customer demands the bank’s services for 24 hours. Now in the modern
age entire banking structure has been changed due to widespread internet
technology. Now all businesses like commerce, trade, import, export, purchase and
sale of goods is relying upon electronic banking by using advanced electronic
technology the banking services are fast and economical.

1.9 OBJECTIVES OF THE STUDY

 To identify the awareness of E-Banking services.

 To know the perception towards E-Banking services.
 To study various services of E-Banking.
 To understand various problems faced by consumers while using E-
Banking services.
 To obtain suggestions for the improvement of E-Banking services.

1.10 LIMITATIONS

 The study is limited to Palavakkam alone.

 Accuracy of data depends upon the information’s provided by the respondent
 Respondents were reluctant to respond.
 Incomplete information from the respondents.

8
 CHAPTER – 2

REVIEW OF LITERATURE

9
2.1 REVIEW OF LITERATURE

A Few studies had been made which were indirectly helpful to this investigation.
Reviews of such studies are presented below:

Meuter et.al (2000) found that Customers perceive the quality of services of Internet
banking based on the performance of online delivery systems – not on the processes
in which the delivered service is developed and produced. Because customers
perceive Internet banking service quality based on relatively standardized outcomes
determined by online systems.

Black et.all (2001) Conducted the study to know; what are the customer's
perceptions about internet banking and what are the drivers that drive consumers.
How consumers have accepted internet banking and how to improve the usage rate
.The study revealed that education, gender, income plays an important role in usage
of internet banking. . The research states that if skills can be upgraded there will be
greater will to use internet banking by consumers.

Janeetal (2004) Stated that Online banking requires perhaps the most consumer
involvement, as it requires the consumer to maintain and regularly interact with
additional technology (a computer and an Internet connection).

Riquelme (2006) Investigated that the majority of customers in the sample are
satisfied or very satisfied with the service and online systems attributes. It appears
that companies that offer a wide product portfolio and relevant website content
accompanied by prompt and courteous response create satisfaction online.

10
Srivastva (2006) Found that (1) perceived risk with online shopping, (2) past
experience with online shopping, (3) perceived benefits of online shopping, (4)
perceived ease of online shopping, and (5) perceived\ uncertainty of online shopping
are the factors that affect the customer perception regarding E-banking.

Kesseven (2007) Said that the mostly used E-Banking services are inter account
transfer, payment to other personal account, transfer to credit card account,
recharge mobile phones among others. Comparing demographic variables of the
internet banking users to the non-internet banking users, the analysis reveals that
there is no significant difference between the two group of users with respect to age
group and the education level of the respondents.

Sayar et. All (2007) Discussed that the developments in information technology and
the subsequent evolution of internet banking have fundamentally changed the ways
in which banks implement their business and consumers conduct their everyday
banking activities. The results confirm the influence of internet trust on risk
perception and consumer attitudes towards internet banking. Propensity to trust is a
determinant not only for interpersonal relationships but also for trust in technological
systems. This is not a representative study.

Srinivasan (2007) Investigated that in specified region of Karnataka, channel

convenience, channel control and channel security plays an important role in the
selection of channels. Some regions still see people who are struck to branch
banking and are not ready for a change in mindset. Across Telebanking was not
popular since it was not perceived as a safe and convenient channel.

Uppal R.K (2007) The study concludes that the customers of e banks are satisfied
with the different e-channels and their services in the spread of e banking services

Vardhman (2007) Said Online Banking - The Need of the Modern Professional-
Internet Banking has been so popular in the countries it has been implemented in so
far due to certain reasons. Online Banking makes the regular transactions for a client

11
Safeena (2010) Determined the consumer attitude on internet banking adoption.
Finding shows that perceived usefulness, perceived ease of use, consumer
awareness and perceived risk are the important determinants of online banking
adoption and have strong and positive effect o n customers to accept the online
banking system.

Rao, K. Rama Mohana and Lakew, Tekeste Berhanu (2011) Examines the service
quality perceptions of customers of public sector and private sector banks in the city
of Visakhapatnam, India. The author reveals that the Reliability and Assurance
dimensions of service quality scored the highest ratings while the Tangibles
dimension got the lowest score. Moreover, the study found a strong dissimilarity in
service quality perceptions between customers of private sector and public sector
banks.

Uppal, R.K (2011) Threw light on growth of information technology in various banks.
The objective of this research is to analyze the extent of technological developments
in various bank groups. Findings shows as compared to ne w private sector banks
and foreign banks, in public sector banks very less IT has taken place. The
maximum technology is taking place in new generation private sector banks and
foreign.

Dharma lingam, S. Anand Kannan. V. (2012) Evaluated the service quality in retail
banking in the Tamil Nadu, based on different levels of customers’ perception
regarding service quality. Data are collected from Three Private Banks, i.e. ICICI,
AXIS and HDFC Bank. The result indicates that customers’ perception is highest in
the tangibles area and lowest in the Product Variety area.

Bahl, Sarita, (2013) Determined that security and privacy issues are the big issue in
e-banking. If security and privacy issues resolved, the future of electronic banking
can be very prosperous.

Dr. Shamsher Singh (2014) Researched on customer perception of e-banking. This

paper has examined the adoption and impact of e-banking among the customers of
different banks. The banks in India are racing to use this latest technology to reduce
speedy and time efficient with little or no paperwork involved. There is no need for
standing in long ques any more for making a deposit or getting a withdrawal. Banking
has turned into a 24/7 service with the bank always available to their client
12
their operational costs and increase customer base. E-banking is a term used for
performing balance checks, account transactions, payments etc.

R. Elavarasi, Dr. S. T. Surulivel (2014) Examined that mean age of e-banking users
were mostly men as compared to women. The major finding is that there is an
increasing change in technology world and it leads to improve e- banking services in
various banks.

Sunil Kumar (2015) Has done a study on consumer awareness and usage of e -
banking services. The result of this research was fo und to be that, the consumers
are not frequently using these services but they have strong desire to use these
services in future. The present study is being undertaken to analyze how the banks
have been exploring the feasibility of using mobile phones as an alternative channel
of delivery of banking services.

13
 CHAPTER 3

RESEARCH METHADOLOGY

14
 1.7 RESEARCH METHADOLOGY

Research design

The present study is designed as an Exploratory Research is the research

conducted to know the nature of problem and does not intend to provide a
conclusion but a better idea.

Source of data

Under this study both primary and secondary data are used. The primary data is
collected by filling the questionnaire from the consumers of Palavakkam.

Sampling

A. Sample size: 100 samples

B. Sample area: Palavakkam

C. Sampling method: Random sampling method

Tools used

A. Data collection tools:

i. Primary data: Questionnaire

ii. Secondary data: Books, journals, websites.

B. Data analysis tools:

For the purpose of analysis the information obtained through primary

data the tools used are percentages, weighted average, chi-square
test.
15
 C. Data presentation tools:

The tools used for presentation are tables, graphs, charts, and diagrams.

C. Data analysis tools:

For the purpose of analysis the information obtained through primary

data the tools used are percentages, weighted average, chi-square
test.

D. Data presentation tools:

The tools used for presentation are tables, graphs, charts, and diagrams.

1.6 HYPOTHESIS

H0: The educational qualification and level of awareness about E-Banking services
are independent.

H1: The educational qualification and level of awareness about E-Banking services
are dependent.

16
 CHAPTER 4

ANALYSIS AND INTERPRETATION

17
 GENDER WISE CLASSIFICATION

Table no: 4.01

Number of
Gender respondents Percentage

Male 52 52

Female 48 48

Total 100 100

Source: Primary data

Chart no: 4.01

Female
48%
Male
52%

INTERPRETATION

Male respondents are more than female respondents; they constitute 52 per cent
and only 48 per cent from female respondents.

18
 EDUCATIONAL QUALIFICATION OF RESPONDENTS

Table no: 4.02

Education qualification Number of respondents percentage

Up to SSLC 22 22

HSC 27 27

UG 20 20

PG 17 17

Others 14 14

Total 100 100

Source: primary data

Chart no: 4.02

3
0

2
5

2
0 percentage

1
5

1
0 Up to SSLC UG PG Others
HSC
5

INTERPRETATION

27 per cent are studied up to HSE and 17 per cent are post graduates.20 % is
graduates. It is clear that majority of respondents aware of E-Banking services
because they are educated.

19
 OCCUPATION OF REPONDENTS

Table no: 4.03

Occupation Number of respondents Percentage

Gov. employee 18 18

Private employee 46 46

Self employed 15 15

Others 21 21

Total 100 100

Source: primary data

Chart no: 4.03

50
45
40
35
30
25 Percentage
20
15
10
5
0 Gov. employee Private Self employed Others
employee

INTERPRETATION

It is clear from the table that 46 % of the respondents are private employees. Only 18
per cent of respondents are fall in the category of Govt. employee. It is clear that the
maximum Number of persons can adopt E-Banking services because of their busy
daily life.

20
 ANNUAL INCOME OF RESPONDENTS

Table no: 4.04

Annual income No. of respondents Percentage

Below 1 lakh 52 52

1 lakh – 3 lakh 40 40

3- 5 lakh 8 8

Total 100 100

Source: primary data

Chart no: 4.04

60

50

40

30 Percentag
e

20

10

0 Below 1 lakh1 lakh

–3 3- 5 lakh
lakh

INTERPRETATION

52 per cent of respondents are having the annual income of below 1 lakh. Only 8 per
cent respondents are earning above 3 lakh. At the same time 40 per cent
respondents are earning 1-3 lakh.

21
 BANK ACCOUNT OF CONSUMERS

Table no: 4.05

Category No. of respondents Percentage

SBI 49 49

Federal 20 20

HDFC 16 16

Others 15 15

Total 100 100

Source: primary data

Chart no: 4.05

6
0

5
0

4 Percentage
0

3
0

2
0 SBI Federal HDFC Others

1
0

INTERPRETATION

Among the total respondents,49 % of respondents are the customers of SBI,20 %

respondents are Federal bank,16 % of respondents are the customers of HDFC,15
% of them are customers of others banks.

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 TYPE OF BANK ACCOUNT

Table no. 4.06

Type of bank account No. of respondents percentage

Savings a/c 80 80

Current a/c 4 4

Recurring deposit a/c 6 6

Fixed deposit a/c 10 10

Total 100 100

Source: primary data

Chart no: 4.06

Fixed deposit a/c

Recurring deposit a/c

percentage
Current a/c

Savings a/c

0 20 40 60 80 100

INTERPRETATION

From the above table that is clear that most (80 per cent) customers have savings
account in the bank. Savings accounts are mainly opened for increasing saving
habits of the people.10 per cent have fixed deposits. Only 4 per cent have current
account. Current accounts are mainly opened by the business man.

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