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.
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We wish you a happy reading and look forward for your valuable views.
 
Dr. Pallavi S. Kusugal
Dr. Jayasheela
Dr. Ravindra Kumar B.
Dr. Vilas M. Kadrolkar
Dr. Ramesh S. Salian
Dr. Padmini S. V.

Contents

Message
Foreword
Preface
Contents
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
      Region
        Narayan D Arundhekar, Prakash R Lamani  and 
        Vishwanath V Kalmeshwar
6    New Age Banking Services in India: A Review 
        Nagaraja S.
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
            Huchhe Gowda    
14    Role of NABARD for the Sustainable Agriculture and Rural
        Development in India     
            Gundegowda
15    Access and Impact of Kisan Credit Card Scheme in India
            Venkatesh R
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 
            Jagadisha T
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 
        Financial Inclusion     
            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
            Shilpa Hidakal
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
        Islamic Banking
            Siddappa O Halasagi and Abhay Aravalli