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ArticlePeer ReviewedOpen AccessPlagiarism Passed
Paper ID:IJSREM67507

A STUDY ON ADOPTION BEHAVIOUR OF CONSUMERS IN BANKING DIZITALIZATION (A COMPARATIVE STUDY OF SELECTED PRIVATE AND PUBLIC SECTOR BANKS OF GHAZIABAD DISTRICT)

Stream/Area:

-

Subject:

-

Paper ID:

IJSREM67507

Volume:

10 |

9 |

Sep 2026

Pages:

1-11

Publication Frequency:

Monthly (12 issues per year)

DOI
Digital Object Identifier
10.55041/IJSREM67507

License:International Journal of Scientific Research in Engineering and Management follows the Creative Commons Attribution 4.0 (CC BY 4.0) License, allowing free use and distribution with proper attribution.

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Authors

SK

Shalini Kansal

Department of Management

Jayoti Vidyapeeth Women’s University, Jaipur

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DMAA

Dr. Mini Amit Arrawastia

Department of Management

Jayoti Vidyapeeth Women’s University, Jaipur

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Abstract

In the growth of economic development, the function of banking sector has always been commendable. It is the potency and input of the banking system can have far-reaching implications on the development of the whole economy . The link between the financial sector and economic growth has been the subject of a large literature. Many researchers have studied that there is strong empirical evidence today of that robust financial markets support economic growth. This is particularly relevant at the present time also when there is a lot of stress in the financial markets globally and consequently a slowdown in the momentum of economic growth . Keeping in view the essence of the banking system, policies are designed for proper regulation of banks. In India, after the nationalization of banks in 1969, the geographical presence of the banking system increased considerably but the profitability and economic viability of various branches were negatively impacted due to increased cost of maintenance and lending to masses at reasonable cost considering the social objective of banking sector in the growth of economy . Despite utmost care taken by Government and banking regulations, many assets or loans of the bank get converted into bad debts and stop generating any income for the bank . Work deadlines are getting compact and individual jobs are loaded and added with quality output due to work in pressure, it becomes hard to maintain the balance between personal and professional life the output of the banking sector is dependent on the quality of human resource. The basic function of human resource development is to facilitate performance improvement measured in terms of financial indicators of operational efficiency and quality of financial service provided. The twin challenges faced by banks managements are that of retaining the prevailing employees providing a satisfying work environment for all employees. The study attempts to find out all socioeconomic issues related with managing professional and personal life of working women in banking industry. The major objective of this study is to identify socio economic issues in work life balance in banking industry and to suggest measures to improve work life balance.

KEYWORDS

robust financial markets profitability and economic viability

Cite This Article

Shalini Kansal, Dr. Mini Amit Arrawastia, "A STUDY ON ADOPTION BEHAVIOUR OF CONSUMERS IN BANKING DIZITALIZATION (A COMPARATIVE STUDY OF SELECTED PRIVATE AND PUBLIC SECTOR BANKS OF GHAZIABAD DISTRICT)," International Journal of Scientific Research in Engineering and Management, vol. 10, no. 9, pp. 1-11, Sep 2026. https://doi.org/10.55041/IJSREM67507

Full Article/Conclusion

The objective of this study was to investigate the factors influencing Dizital-banking adoption among commercial banks in India, and the challenges faced by commercial banks in the adoption of Dizital-banking. This change will include moving from traditional distribution channel banking to electronic distribution channel banking. Given the almost complete adoption of e-banking in developed countries, the reason for the lack of such adoption in developing countries like India is an important research that will be addressed by this study. No doubt in the future, the banking environment will be more study less and will overcome traditional barriers of distance and geographic boundaries. While e-banking has grown rapidly, there is not enough evidence of its acceptance amongst customers.  

References

AnushaGoel (2015), “Payment Banks: A New Landscape for Indian Banking Sector”, International Journal of Research in Commerce, IT and Management, Vol. No 5, Issue 5. Chatterjee, C. and Mukherjee, J. and Das, R. (2012), ‘Management of nonperforming assets - a current scenario’, International Journal of Social Science & Interdisciplinary Research, Vol.1 Issue 11. 3. Dr.Uday Singh Rajput (2015).“Customer Perception on E-banking Service”, Pacific Business Review International, Volume 8, Issue 4. 4. G.Shiva Krishna (2014)“A Study on E-banking to improve customer base with reference to HDFC bank Ltd,Eluru(A.P)”, International Journal of Research and Computational Technology, ISSN .0975-5662,Vol.4, Issue 3. H. S., S. (2013), ‘ A study on causes and remedies for non-performing assets in Indian public sector banks with special reference to agricultural development branch, state bank of Mysore’, International Journal of Business and Management Invention , Volume 2 Issue 1, PP.26-38. Krishna A.R.(2008) “An Analysis of NPA in Indian Commercial Banks”, Journal of Commerce and Trade Vol. 3. No. 2. October 2008. Mamatzakis, E., Staikouras, C., &Koutsomanoli-Fillipaki, N. (2005). Competition and concentration in the banking sector of the South Eastern European Region. Emerging Markets Review, 6 (2), 192 - 209. NidhiChandarana (2015), “Payment Bank – A need of Digital India”, Abhinav National Monthly Refereed Journal of Research in Commerce & Management, Vol. No 4, Issue 11. RahmathSafeena, Hema Date, Abdullah Kammani, and NisarHundewale, (2012) “Technology Adoption and Indian Consumers: Study on Mobile Banking”, International Journal of Computer Theory and Engineering, Vol. 4, No. 6, December 2012, PP No. 1020 – 1024. Rai, K. (2012), ‘Study on performance of NPAs of Indian commercial banks’, Asian Journal Of Research in Banking and finance, Vol. 2, Issue 12. Sabita Paul, (2013) “The Adoption Of Electronic Banking (E-Banking) In Odisha, India”, International Journal Of Scientific & Technology Research Volume 2, Issue 5, May 2013, PP No. 258 – 262.

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Publication Date

9/26/2026

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