Submitted By:

Vijay Kumar Sharma

With cyber cafes and kiosks springing up in different cities

access to the Net is going to be easy. Net banking (also
referred as e banking) is the latest in this series of
technological wonders in the recent past involving use of
Internet for delivery of banking products & services. Even
the Morgan Stanley Dean Witter Internet research
emphasized that Web is more important for retail financial
services than for many other industries.

To analyze awareness among customers using Net

banking service.

To study about the Net Banking service provided by

ICICI Bank.

To study the cause why customers are using or not

using Net banking service.

To study the popularity of the Net banking service

among the customers of ICICI Bank

Corrocher (2002) in his study examined the drivers of the

adoption of the Internet banking, in order to understand its
role with respect to the traditional banking activity and to
offer a comprehensive picture of the diffusion of such a
technology within the sector. In doing so, it analyses the role
of firm-specific and non firm-specific (technology, market,
environment) characteristics in influencing the decision to
adopt the new technological platforms to perform on-line
banking transactions within the retail segment of the
financial sector. The main purpose of this paper is to
investigate the relationship between the Internet banking
and the traditional banking activity, in order to understand
if these two systems of financial services delivery are
perceived as substitutes or complements by the banks.

DESCRIPTIVE RESEARCH:
The research undertaken was a descriptive research as it
was concerned with specific predictions, with narration
of facts and characteristics concerning net banking
service provided by ICICI Bank.

UNIVERSE OF STUDY: Universe of the study means all

the persons who are the customers of ICICI Bank in the
world.

THEORETICAL: It covered all the individuals who are

the customers of ICICI Bank in the world.

SAMPLE SIZE: A sample of minimum respondents was

selected from various areas of Lucknow. An effort was made
to select respondents evenly. The survey was carried out on
100 respondents.

Sample Unit: In this project sampling unit consisted of the

various individuals who had their bank accounts with ICICI
Bank.

Sampling Technique: For the purpose

convenient sampling technique was used.

Sampling Frame: It consisted of various sources from where

information about the respondent is extracted. Mainly
personal links and employees of ICICI Bank, Lucknow are
used for getting information about the respondents

of

research

After conducting a review of researches done by

various professionals a gap have been identified. The
researchers had studied the aspects of internet
banking, its introduction, its development, adoption
by the customers, consumers perception about this
service, its success and security related issues. But a
very few researchers had studied the net banking
service with respect to the ICICI Bank. This gap had
been identified and it had led to the present research
being undertaken.