Branch Manager,
In the Pre-LPG era, banks have performed all their functions manually with little support of computers. At that time they all were labour-intensive bearing heavy establishment cost which eroded their profitability and even productivity and hence make unable to compete in the global market. With the wave of LPG, banks have started their functioning to be computerized that resulted in reduced paper work, burden of accounts maintenance and hence, improved database management. But in the post IT Act, whole banking business is done electronically which is known as e-banking. E-banking has made our banks comparatively much better than before and enable them to compete in the global market with attractive innovative products and services. We know it very well that every system has its own pros and cons, as none is complete in itself. But still the e-banking system has become necessity of the current market forces so for our public sector banks, it is a question of survival to step up towards e-banking. The present paper is an attempt to know the perceptions of 60 e-bank employees about the e-banking services provided to the customers in the urban Punjab.
