Perception on E-banking services – A theoretical review

The different kinds of technological Innovation along with the information technology had made a paradigm shift in the Banking Sector. E-Banking encompasses Internet banking, ATM banking, Mobile banking, Television based banking, PC banking and online banking. Research studies pertaining to Internet banking in India is very less compared to foreign countries. Internet Banking services does not only offer competitive advantage to bankers but has become the competitive necessity to sustain in the industry. Mobile banking is a system wherein the customers are allowed to do financial transactions through a device called Mobile or Personal digital assistant. Of late, mobile banking services are easily accessible to everyone irrespective of their income groups. Again there has been a growing interest among banks and financial institutions in encouraging bank customers to use automatic teller machines (ATMs). This paper is a modest attempt to bring to light the research gaps in the field of internet banking, ATM banking services and Mobile banking. The research gaps are identified based on the reviews collected in these areas.