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Sadhanandan, H. D.
- Utilization of Banking Products by the Rural Customers
Abstract Views :284 |
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Authors
Affiliations
1 School of Commerce, Bharathiar University, Coimbatore, Tamil Nadu, IN
1 School of Commerce, Bharathiar University, Coimbatore, Tamil Nadu, IN
Source
International Journal of Banking, Risk and Insurance, Vol 2, No 1 (2014), Pagination: 12-19Abstract
In this study the researchers analyzed the utilization and adoption of new banking products that are offered by the banks in rural milieus. The researchers have framed four objectives in order to know the level of prevalence, factors affecting the adoption and utilization of new banking products, to assess the influence of perceived attributes on satisfaction and the post purchase behaviour of rural customers on new banking products (ATM, Internet banking, Mobile banking, Telebanking and EFT (Electronic Fund Transfer)) offered by the banks in rural milieus. The researchers have found that more or less all the new products have popularity among rural customers except EFT. The theory of innovation adoption was used in this study to know the factors or determinants affecting the rate of adoption of new banking products. The study finds that among the determinants, complexity was the foremost factor affecting the rate of adoption and also influencing satisfaction on new banking products. The study concludes that the rural customers are very much eager to adopt new banking products in future. The banks have to edify the rural customers in the use of every new technology / delivery products to make use of it. So, in the upcoming years the banking industry will flourish dramatically and rural customers can make transactions universally.Keywords
Innovation adoption theory, Customer satis- faction, Complexity and Technology
- Role of IT in Promoting Financial Inclusion Products (A Study with Reference to Commercial Banking Practices)
Abstract Views :339 |
PDF Views:2
Authors
Affiliations
1 School of Commerce, Bharathiar University, Coimbatore, Tamil Nadu, IN
1 School of Commerce, Bharathiar University, Coimbatore, Tamil Nadu, IN
Source
International Journal of Banking, Risk and Insurance, Vol 2, No 2 (2014), Pagination: 41-45Abstract
In the present global environment, the role of information technology has played a pivotal role in order to quicken the service of banking products at the doorstep of customers. The financial inclusion a practice is also required the apt utilisation of information communication technology. There are several models to measure the extent of utility and level of awareness of customers in terms of getting financial services. Technology Acceptance Model (TAM) is widely used model in describing the user acceptance of new technology for understanding information system acceptance. The Technology Acceptance Model is of recent origin in Indian context which exclusively measures the extent, utility and awareness of rural masses who have associated with financial inclusion products so as to improve their standard of living. The TAM measures the perceived usefulness, perceived ease of use and in association with banker's role in providing best possible services. The study pinpoints the three variables perceived usefulness, perceived ease of use and bank's role in order to measure acceptance level of customer's usage of ICT products. The outcome of the result would explain the role of ICT in promoting financial inclusion products.Keywords
Technology Acceptance Model (TAM), Information Communication Technology (ICT), Financial Inclusion, Vulnerable Groups.References
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