A Study on Dynamics of Consumer Perception of Traditional Banking Services and Digital Banking Services

A Study on Dynamics of Consumer Perception of Traditional Banking Services and Digital Banking Services

Registration ID: IJNRD_223064

Published ID: IJNRD2406033

DOI: Click Here to Get

Shrishti Tripathi , Dr. Anoop Kumar Singh , Durgesh Singh

Financial inclusiveness, Financial awareness, Digital Banking Services, Traditional Banking Services

The banking industry is changing as it attempts to use digital technology to improve productivity and satisfy the changing demands of an increasingly tech-savvy customer base in modern-day India backed by the traditional banking services. The government is looking towards a more financially inclusive economy, for which it is important that the services are made available till the last mile. Digital banking system and facilities have proved to be a milestone in achieving the task of financial inclusion in the country in a more effective and efficient manner. The digital transactions require financial literacy and awareness which has its own set of advantages and challenges in a country like ours. The current study is focused upon the analysis of consumer perception towards adaptability of the digital banking system. The data for the current study is collected on a convenient sampling survey conducted among the urban respondents of Lucknow district of Uttar Pradesh, with the help of interview schedule/questionnaire. The data has also been collected through relevant secondary sources through various reports published on official government websites. The paper explores the behavioural changes among the consumers and their perceptions regarding the traditional banking methods and the digital banking. The tools used for this study are Percentage Analysis, Ranking and t-test. The study will help to know about the attitude of people towards digital banking services and traditional banking services. It will also help the policy makers to formulate new pathways for bringing more financial awareness and inclusiveness.

Published Paper   E-Certificate

"A Study on Dynamics of Consumer Perception of Traditional Banking Services and Digital Banking Services", IJNRD - INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT (www.IJNRD.org), ISSN:2456-4184, Vol.9, Issue 6, page no.a321-a329, June-2024, Available :https://ijnrd.org/papers/IJNRD2406033.pdf

Volume 9 Issue 6, June-2024

Pages : a321-a329

Paper Reg. ID: IJNRD_223064

Published Paper Id: IJNRD2406033

Downloads: 000121209

Research Area: Commerce

Country: Lucknow, Uttar Pradesh, India

Published Paper PDF: https://ijnrd.org/papers/IJNRD2406033.pdf

Published Paper URL: https://ijnrd.org/viewpaperforall?paper=IJNRD2406033

Journal Name: INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT(IJNRD)

ISSN: 2456-4184 | IMPACT FACTOR: 8.76 Calculated By Google Scholar | ESTD YEAR: 2016

An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.76 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator

Publisher: IJNRD (IJ Publication) Janvi Wave

This work is licensed under a Creative Commons Attribution 4.0 International License and The Open Definition

Call For Paper - Volume 10 | Issue 8 | August 2025

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INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT (IJNRD) aims to explore advances in research pertaining to applied, theoretical and experimental Technological studies. The goal is to promote scientific information interchange between researchers, developers, engineers, students, and practitioners working in and around the world. IJNRD will provide an opportunity for practitioners and educators of engineering field to exchange research evidence, models of best practice and innovative ideas.

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