Abstract
E-banking is the electronic banking that provides the financial service for the individual client by means of Internet. It is defined as the automated delivery of new and traditional banking products and services directly. E-Banking includes the system that enable financial institutions customer's, individuals or business to access account, transact business or both information on financial products and services through a private network including the internet. A cross-sectional descriptive study was conducted with the aim of assessing awareness, accessibility and explores barriers towards E- banking among 120 bank customers in Shimla city and Chamba city, by using Primary as well as Secondary data was entered and analysed with the help of SPSS. The study reveals most were aware about the term e-banking whereas least were about the services of e-banking. Customers utilized e-banking services and most of them have used 4 times per month. The topmost used services were ATM, checking the account, money transfer, paying bills, rent, credit card and SMS banking. Shimla district customers are more which are aware and used E-banking services. Most customers faced barriers to utilize e-banking services. Age between 25-40 in both districts and in education the graduate customers both districts and in occupation employed customers were highly statistically significant with the awareness about the term e banking with the utilization of e-banking services.
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