Employees' perspectives on the effectiveness of computerisation of retail banking operations in India: analysis of public and private bank segments

Abstract

This paper is a survey of public and private sector bank employees, towards the computerisation of banking services. The paper is being designed to measure the employees' awareness and perceptions, with regard to IT services, offered by the Indian public and private sector banks in all seven divisions of the district of Rajasthan, India. To have better understanding about the IT role in banks' perspective, the study has divided into four major segments i.e., information technologies strategic advantages, technological know-how and organisational capacity, decision making process and, motivations toward information technology. This study unveils the factors which give more competitive advantages to private sector banks over public sector banks.