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A Study on Perception of People on Online Banking

Authors:

Rishant Menon, Dr. Pratiksha Mishra

Rishant Menon, B.Com (Hons.) Final Year Student, Amity Business School, Amity University Chhattisgarh

Dr. Pratiksha Mishra, Assistant Professor, Amity Business School, Amity University Chhattisgarh

Abstract: The increasing dependence on digital platforms has really changed the way traditional banking works. Online banking, a key part of this shift, gives users the ability to handle their financial transactions from anywhere. Still, how people feel about online banking varies quite a bit, shaped by factors like age, education, income, and how comfortable they are with technology. This study looks into how the public views online banking and examines how aspects like user-friendliness, security, satisfaction with services, and awareness influence their opinions. By using a structured questionnaire and gathering responses from 100 participants, the study finds that younger, tech-savvy folks are generally more open to online banking, while older individuals tend to be more cautious, mainly due to worries about security and their limited tech skills. The results aim to assist financial institutions in customizing their services to improve customer experiences and encourage wider adoption.

Key Words:  Online Banking, Perception, User Experience, Digital Banking, Customer Satisfaction, Security Concerns