New Age Banking in India
Editors : Pallavi S. Kusugal, Jayasheela, Ravindra Kumar B., Vilas M. Kadrolkar, Ramesh S. Salian, Padmini S.V.
Pages : 250
The New Age Banking Technology has changed the scenario of banking sector in India; we see the growing trend in this sector. It has vastly benefitted from the surge in disposable income of individuals in the country. There has also been a noticeable rise in transactions through Automated Teller Machines (ATMs), and also internet and mobile banking. Consequently, the different banks, viz public, private and foreign banks have invested considerably to increase their banking network and thus, their customer reach. Banks are moving from a product-centric approach to a customer-centric approach fully understanding the requirements of customers. Here there is a lot of change in customer relationship management. As a latest trend, the mobile phone has become part and parcel of our everyday life. Commercial banks are looking for the penetration into the mobile application banking, and likewise large and mid-size co-operative banks are also following the New Age Technology in their services. This book is a compendium of research articles submitted to the national conference.
The Conference focused on the sub-themes like- Competitiveness and efficiency of financial market; The next generation banks are derived by the usage of mobiles, technology, digitalization, social media etc.; Issues related to Governance, Regulation and Audit; Responsiveness to challenges with reference to Restructuring, Automation, Product delivery and process Re-engineering; The role of Finances & IT Sector in new banking age; Risk and Credit Management in New Age Banks; Customer centricity & Relationship; Role of Kisan Credit card system in Agriculture & Rural development; Cyber Security & Frauds in modern business; Direct Benefit Tranfer (DBT) and Jana Dhan Yojana.
On this occasion, we express our sincere gratitude to all the authors for having contributed research papers on time. We are highly grateful to our honorable Vice-Chancellor, Professor A. H. Rajasab for encouraging us to organize this Conference. We are also grateful to Professor D. Shivalingaiah, Registrar, for having given us encouragement and support whenever needed. Further, we also thank Professor N. B. Naduvinamani, Registrar (Evaluation) and Dr. B. K. Suresh, Finance Officer for their valuable guidance in organizing the Conference.
We would like to thank the Keynote speaker, Inaugural Speaker and Chairpersons of the all technical sessions and participants for their valuable contribution to the success of the conference and publication of the proceedings. Finally, we are thankful to Students of M.A. Economics and Research Scholars of the Department.
We wish this book prove to be food for thought for the academicians, scholars, practitioners and policy makers.
We wish you a happy reading and look forward for your valuable views.
Dr. Pallavi S. Kusugal
Dr. Ravindra Kumar B.
Dr. Vilas M. Kadrolkar
Dr. Ramesh S. Salian
Dr. Padmini S. V.
List of Contributors
Part-I: Next Generation Banks
1. E-Banking : Step towards Progress
Raghavendra and V B Hans
2. Technology in Banking: A Paradigm Shift
Mahantesh M Kuri
3 E-Banking in India: An Overview
Harish N and Vilas M Kadrolkar
4 E- Banking in India: Issues and Challenges
Muniraju M and Jayasheela
5 Awareness towards Mobile Banking in South Karnataka
Narayan D Arundhekar, Prakash R Lamani and
Vishwanath V Kalmeshwar
6 New Age Banking Services in India: A Review
7 Facebook Banking – An Emerging way of E- Banking
P M Parugond, H M Sajjade and Basavaraj B Patil
8 Motivational Factors in the Use of E-Banking Services
Raju B Kapali, S S Rajamanya and Raghvendra H
9 Trends and Challenges of Internet: Mobile Banking Channels
Iranna B Jaba, Sunita Matti and Murgrndra B Wali
10 Role of Information Technology and its
Challenges in New Age Banking
R C Nagaraju and Ramesh Reddy
11 E-Banking: Issues and Concerns
Veeranna D Kenchakkanavar and Anand K Joshi
12 Technology-Based Services in Indian Banking Sector
Vijayalakshmi M and Ravindra Kumar B
Part - II: Government Approaches Towards Banking
13 Banking Facilities for the Farmers
14 Role of NABARD for the Sustainable Agriculture and Rural
Development in India
15 Access and Impact of Kisan Credit Card Scheme in India
16 Direct Benefit Transfer (DBT): A Ray of
Hope for the Common Man
Srikara U and Basavaraj S. Benni
17 Progress of Kisan Credit Card Scheme in
India: An Analysis
18 An Analytical Study of Housing Finance
Kiran Kumar P and Ravindra Kumar B
19 The Implementation of Pradhan Mantri Jan-
Dhan Yojana in India
Nagaraj M Muggur
20 Jan Dhan Yojana-An Innovative Scheme of
Uma C Swadimath and Prasanna B Joshi
21 Pradhan Mantri Jan Dhan Yojana: An Inclusive Scheme
V A Chowdappa and Basavaraj S Benni
Part - III: Credit and Risk Management in Banking
22 A Study on Awareness of E-Banking Facilities
among the Customers of ICICI Bank in Tumkur
E Vanajakshi and Srinivas Murthy M D
23 Comparative Study on Perception of Youth
and Senior Citizens towards Internet Banking
24 KYC Requirement: An Extensive Initiative
Raghu C and Ravindra Kumar B
25 A Study on Predicting the Credit Worthiness
of a Corporate Customer of A Banking Services
P Paramashivaiah and B K Suresh
26 The Impact of Quality of Work Life on
Performance Among Bank Employees
Promod R Shivacharan and Devata D Gasti
27 Non-conventional Banking – A Step towards
Siddappa O Halasagi and Abhay Aravalli
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