Query: impact of E-banking in Rajasthan

title: The impact of cybercrime on e banking: A proposed model
abstract: Each day cybercrime attacks are getting more frequent, dangerous and sophisticated. In 2016 the FBI's Internet Crime Complaint Center received 1,408,849 complaints and a reported loss of $4.63 billion. The concept of cybercrime is complex, and as such the drive to overcome the problem is very difficult. However, the continual escalation of cybercrimes can have a negative impact on businesses and by extension the economies of countries. As a result, it is imperative that measures be identified to overcome the problem. Hence, this study seeks to propose a research model which can be used to evaluate the significance of cybercrime in deterring the use of e banking in the financial sector. It is hoped that the proposed research model will influence other researchers to conduct empirical research in their context.

title: THE IMPACT OF E BANKING ON EMPLOYEES JOB SECURITY AN EMPIRICAL STUDY ON SAUDI NATIONAL BANKS
abstract: This study is aimed at finding out the impact of e banking on job security, considering the case of Saudi national banks. In order to find out the impact of e banking on employee job security, money electronic transfer (MET) internet banking services (IBS) automated teller machine (ATM) and telephone banking (TB) were used. Data were collected from secondary and primary sources. A survey of 250 questionnaires were designed and distributed to some selected bankers working in Saudi national banks, only 223 bankers responded. The results indicated that three hypothesis were accepted as there was a negative relationship between employees job security (EJS) of the Saudi national banks and Money Electronic Transfer (MET) Internet Banking Services (IBS) and Automated Teller Machine (ATM) and one hypothesis was empirically rejected as there was no evidence about the adverse impact of telephone banking (TB) on the (EJS) Thus, the contribution of this study for academics and practitioners may add new value as there is very limited empirical studies that has been accomplished in the same area.

title: A STUDY ON IMPACT OF E BANKING AWARENESS ON CUSTOMERS' ATTITUDE TOWARDS ITS USE
abstract: his study aims to assess the influence of awareness on customers' attitude towards e banking in Delhi. It investigates whether the attitude varies among e banking users on the factors such as perceived ease of use, perceived usefulness, perceived security privacy and perceived risk due to difference in their degree of awareness on these factors. The research constructs were developed based on the Technology Acceptance Model (TAM) and incorporated two additional elements of perceived security privacy and perceived risk. Factor analyses and regression technique were employed to study the relationship. The results show that difference in customers' attitude among e banking users depends up on the difference of their degree of awareness on factors such as perceived ease of use, perceived usefulness, perceived security privacy and perceived risk. Therefore, this paper suggests managerial implications for retail bankers in Delhi to increase the degree of awareness among ebanking users.  Customers" awareness, E banking, Security Privacy, perceived risk, Technology Acceptance Model (TAM)  Irshad Ahmad Reference this paper as: Irshad. Neha, "A study on impact of e banking awareness on customers" attitude towards its use"  Dec 2013, pp 01 23, T IJMFM International Journal of Marketing Financial Management, Vol. 1, Issue 1, December 2013  Dec 2013,  Electronic banking (e banking) the newest channel for the delivery of banking services, has almost transformed branch banking in to virtual one stop shop. The definition of e banking varies amongst researches partially because electronic banking refers to several types of services through which bank customers can request information and carry out most retail banking services via computer, television or mobile phone (Daniel, 1999; Mols, 1998; Sathye, 1999) Turban et al.(2004) describes that e banking offers electronic services that allow customers to check the balances in their accounts, transfer funds among accounts, pay bills electronically as well as apply for loans, download information about accounts into their own computers, trade stocks or mutual funds, look at images of their cheques and deposit slips Customers" degree of awareness of ebanking influences their attitude towards adoption of ebanking. The literature on e banking also supports those individual factors like knowledge (Sathye, 1999; Polatoglu and Ekin, 2001) has an impact on customer"s adoption of ebanking. Sathye (1999) emphasized that many customers were simply unaware of internet banking and its unique benefits. Here knowledge denotes to the customers" awareness of ebanking and the benefits associated with it, and their awareness of how to perform baking transaction through ebanking. Sathye (1999) observed that the lack of awareness about electronic banking and its benefits contribute to the non adoption of electronic banking. Additionally, Polatoglu and Ekin (2001) indicated that the more knowledge and skills a customer possessed about electronic banking, the easier it was for the customer to utilize electronic banking. It is essential that the banks offering e banking services should make the customers aware about the availability of various servicesandtheir benefits and educate them about security privacy and risk involved in e banking transaction. In India, comparatively fewer studies have been conducted on the current status of awareness and attitude towards e banking Thus, there is a lot of scope for the research to present new ideas regarding awareness and its influence on customers" attitude towards ebanking in India which may be useful to the Indian banking industry. Irshad Neha, "A study on impact of e banking awareness on customers' attitude towards its use"  The main focus of current study is to assess the influence of awareness on customers" attitude towards E banking. For this purpose, the influence has been assessed by measuring the degree of awareness of constructs defined in Technology Acceptance Model (TAM) and of two new constructs "Perceived security &privacy" and "Perceived risk" Customer awareness of Ebanking has been considered significant to influence customers" attitude with respect to perceived ease of use, perceived usefulness, perceived security privacy issues and the perceived risk. The study is expected to examine whether there is any significant relationship between the degree of awareness, perceived ease of use, perceived usefulness, perceived security& privacy, perceived risk and customers" attitude towards E banking.  The primary objectives of the study are: To study the degree of awareness among bank customers towards e banking. To assess the influence of awareness on attitude of bank customers towards using e banking. To suggest some strategy to build positive attitude of bank customers towards e banking.  Earlier review showed that there were fewer studies conducted measuring the degree of awareness. But there was no of the past study conducted particularly in Indian perspective that had formed all of these four independent variables (perceived ease of use, perceived usefulness, perceived security privacy and the perceived risk) in one model and specifically, the influence of awareness of these variables on customers" attitude towards E banking. The current study adds to the already existing research literature and explores the degree of awareness of e banking in Delhi, India. It also assesses their influence of awareness on customers" attitude in Indian context.

title: IMPACT OF E BANKING ON PROFITABILITY OF COMMERCIAL BANKS IN INDIA
abstract: Information technology (IT) has become the heart of banking sector, while banking industry is the heart of every robust economy. If it collapses so will the economy. Through reducing banking costs, electronic banking can increase bank incomes. This paper investigates the impact of E banking on profitability of Indian scheduled commercial banks for the period of 2006 2014. The study consists of 31 banks under four major bank groups of scheduled commercial banks in India. Multiple Regression Analysis is used to test the effect of E banking services on the profitability of banks. The outcome generated from the analysis is that there is a positive effect on nationalised and old private sector banks' profitability while using e banking. It shows that increase in number of ATMs affects the profitability positively. But in case of Branch banking, insignificant relationship exists between number of branches and profitability of banks.

title: Providing a conceptual model on the impact of e banking barriers and difficulties on its expansion (case study: selected branches of Tehran Tejarat Bank)
abstract: Present research is conducted to study the impact of e banking barriers and difficulties on its expansion. It is descriptive survey and its population consists of managers selected branches of Tehran Tejarat Bank. 105 questionnaires were distributed of which 100 ones were returned and analyzed. To gather needed information, a questionnaire on e banking barriers and difficulties on its expansion was used and its validity was confirmable. Likewise, Cronbach's alpha was used to measure its reliability. Computed alpha was 0.88 for e banking barriers and 0.83 for e banking expansion. For data analysis, regression statistical methods and SEM in SPSS and PLS software packages are used. The results for conceptual model were confirmed and indicated that there is a relationship between e banking barriers/difficulties and its expansion.

title: THE IMPACT OF E BANKING ON CUSTOMER SERVICE AND PROFITABILITY OF BANKS IN GHANA
abstract: The study examined the impact of e banking on customer service and profitability of banks in Ghana. Random sampling was used to select ten banks and two hundred and fifty customers all in Accra for the study. The study found that E banking and hence Information and Communication Technology has impacted positively on customer service and profitability of banks though there are a number of challenges. It was recommended among others that there should be 24/7 monitoring of the Automatic Teller Machines(ATMs) so that any failure is addressed as soon as possible to guarantee customer retention. It was concluded that the government should provide adequate regulatory framework that will ensure customer protection and security of transactions; and again to achieve competitive advantage periodic training programmes on ICT should be organised by the banks to ensure that their employees are always abreast with current trends and programs in ICT.

title: The Integrated Model to Measure the Impact of E Banking on Commercial Bank Profitability: Evidence from Pakistan
abstract: Fragile accommodation issues which nosed the loan loss and negative growth rate, resulted in terrific economic loss and budget issues in worldwide banking sector. Banks throughout the globe are putting their efforts to cope with these problems enhancing profit share, investments and firing the people to lessen the cost but still it's not a sustainable strategy. In this study, we attempt to develop an integrated model to measure the significant impact of E banking on profitability of Pakistani commercial banks during the period 2002 to 2012. The study sample comprises of 10 major commercial banks of Pakistan further divided into 2 groups: Recent adopters and early adopters of E banking services.  Return on Assets (ROA) Return on Equity (ROE) and Margin interest to measure the profitability as well the independent variables: Market Share, Overhead, Deposits/Assets and Loans/Assets ratios of banks are incorporated in the model to apply the regression analysis. The results enlightened that E Banking has significant impact on profitability of recent adopters of E banking in terms of Margin, ROE, and ROA. On the other hand, it effects significantly on profitability of the early adopters of E banking in terms of margin, ROE but slightly on ROA. Overall, there is significant effect on commercial bank profitability. Thus the problem of economic loss can be solved by adopting e banking services because it helps to expand the market share due to increase in the customer satisfaction by better customer service delivery, security, variety of choices, accessibility and speedy transactions. Using it as cost saving strategy, it guarantees a considerable reduction in the cost of paper work and personnel. Thus adoption of E banking along with traditional banking by Pakistani banks can be a remarkable strategy to compete with the domestic and International banks as per the conditions of a well managed monitoring and control over the risks involved in.

title: Impact of E Banking on the Profitability of Banks in Ghana
abstract: The study assessed the impact of electronic banking on the profitability of a Bank in Ghana. How the bank finds itself before a new fact imposed by technology revolution that has changed their work mechanisms from traditional means to electronic means. Furthermore, this study investigates how the electronic banking services through internet and ATM has impacted on banking services in general and the banks' profitability in particular. The methodology was quantitative in nature. In all, 150 questionnaires were administered to the interviewee from the selected branches of the Agricultural Development Bank who are customers, to solicit information concerning the E banking. All data from the structured self administered questionnaires were correctly organized. The software that was used for this is, Statistical Package for Social Sciences (SPSS) The study was also more descriptive in nature. After testing the hypothesis by using inferential statistics, it was discovered that E banking does have an impact on the profitability of the Agricultural Development bank. There was a significant increase in the net profit margin of the bank in the year (2011) E banking was introduced and the even though it fell in the next year (2012) which wasn't much, it increased again in the third year (2013).The study revealed that E banking has a positive effect on ADB's Profitability.  Profitability, Electronic Banking, Internet Banking, ADB

title: The Impact of E Banking on The Performance of JordanianBanks
abstract: Electronic banking has become one of the most important and modern applications that has witnessed a substantial expansion during the last years. This study examines the impact of electronic banking on the Jordanian banks' performance. Empirical analysis has been conducted on a panel data of 15 Jordanian banks for the period 2000 2010. Accounting data were used to measure the banks' performance and regressed on relevant variables using OLS regression. The results show that electronic banking has a significant negative impact on banks' performance. Electronic banking has not improved the performance of these banks. Banks' customers in Jordan depend on traditional channels to carry out their banking operations. As a result, costs associated with adopting electronic banking are still higher than revenues from provision electronic services. Hence, banks should focus its work to promote the confidence of electronic banking services and encourage the customers to use this kind of services.

title: Impact of Technology on E Banking; Cameroon Perspectives
abstract: Maurice Ayuketang Nso Department of Banking and Finance, Catholic University Institute of Buea (CUIB)  +237 678405271 Email:lordnso@yahoo.co.uk or mnso@cuib cameroon.net  The financial services industry is experiencing rapid changes in services delivery and channels usage, and financial companies and users of financial services are looking at new technologies as they emerge and deciding whether or not to embrace them and the new opportunities to save and manage enormous time, cost and stress. There is no doubt about the favourable and manifold impact of technology on e banking as pictured in this review paper, almost all banks are with the least and most access e banking Technological equipments like ATMs and Cards. On the other Hand cheap and readily available technology has opened a favourable competition in ebanking services business with a lot of wide range competitors competing with Commercial Banks in Cameroon in providing digital financial services.