EMPOWERING INDIAN BANKING THROUGH E-DELIVERY CHANNELS

Authors

  • Dr. R.K. Uppal

Abstract

Transactions through e-channels cost much less to the banks than the customers reaching the
bank and doing the transactions. In the post era of IT Act, expenditure on Information
Technology in different bank groups is continuously increasing but new private sector banks and
foreign banks are leader in challenges, this context. They are providing more facilities through
ATMs (fixed ATMs, Mobile ATMs, ATMs in trains also), I-banking, Tele-banking etc and there
is full computerization. The e-delivery channels are positively affecting the profitability of
almost all the bank groups. ATM is the most popular e-channel in all the bank groups. The
present paper analyses the correlation between the fully computerized branches as percentage of
total branches with the profitability, similarly with other e-channels ratios like ATMs, I-banking,
M-banking, Tele-banking) as percentage of total branches are correlated with bank groups
profitability and ultimately, with the Indian banking industry. The present study is related to post
information technology era. The paper highlights emerging issues, challenges and suggests some
strategies and the future areas of intensive research. The paper also sparks on the future outlook
of Information Technology in Indian banks.

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Published

2020-12-01

How to Cite

Dr. R.K. Uppal. (2020). EMPOWERING INDIAN BANKING THROUGH E-DELIVERY CHANNELS. PalArch’s Journal of Archaeology of Egypt / Egyptology, 17(6), 2608 - 2619. Retrieved from http://mail.palarch.nl/index.php/jae/article/view/1197