A study of determinants of consumers’ perceived risk in e-banking services

Abstract

The study concluded that different age group of customers have different view towards e-banking services and the usage level of these banks’ customer is different so bank should concentrate on all the age group of customers for betterment of e-banking. It has also revealed that different education group of customers and occupation group of customers have different awareness towards the e-banking services. There are good number of customer in every group like student, service class, business class and professionals, it shows that each and every one are interested in using the e-banking services. The banker should take care of the medium people in his/her task, reduce drudgery and at the same time efficiently discharge his functions. These technological aids not only take care of some of the physical routine tasks but also contribute proficient housekeeping functions and also render services that are in turn will fulfil the customer needs and satisfaction. In addition, some customers are even charged a commission fee just to speak to a real live bank teller! In a recent checking account pricing study, it was found that interest-bearing checking account customers charged the worst. E-Banking denotes the provision of banking and related service through Extensive use of information technology without direct recourse to the bank by the customer. There are good number of customer in every group like student, service class, business class and professionals, it shows that each and every one are interested in using the e-banking services.