Table 1: In Which Bank do you have An Account?

Respondents
35 30 30 25 25 20 15 11 10 5 0 S.B.I P.N.B H.D.F.C O.B.C I.C.I.C.I 19 20

Respondents

Inference: As the Bar graph above shows that 30 respondents have their account in S.B.I while 25 respondents have their account in P.N.B. and 19 respondents have their account in H.D.F.C .So we can conclude that P.N.B has wider market coverage.

Table 2: Your Choice In Case of Bank is governed by?

Rating(in %)
10 15

35 Higher Interest Rate Better Customer services Proximity to Your Home

40

Recommended by others

Inference: the Pie chart above shows that 40 respondents governed the bank by Better customer services while 35 respondents governed the bank by higher interest rate while 15 governed the bank by proximity of branch to their home.10 respondents like to opt banking services when it is recommended by other influential people like friends, relatives etc..

Table 3: Tick the services Offered by Your Bank

40% 36% 35% 33% 30%

25% 23%
ATM Facility

20%
Mobile Banking

15%

Internet Banking Online Payment of Bills

10%

8%

5%

0% ATM Facility Mobile Banking Internet Banking nline Payment O

Inference: As the Bar graph above shows that consumer preference is highest for ATM facility as36% respondents mark ATM facility as the best one. Only 8% respondents mark online payment of bills as a preferable service where 33% mark Mobile banking and 23% mark Internet Banking as a preferable service.

Table 4: Are you using The Internet banking Services Offered by Your Bank?

40%

YES NO
60%

Inference: As the Pie chart above shows that 40% of respondents are using the Internet banking service offered by their respective bank while 60% respondents are still using brick and mortar Structure for their banking transactions.

A] If yes, then how is the Service Quality?

No. of Responses
35 30 30 25 25 20 20 15 10 5 0 Excellent Good Satisfactory Highly Dissatisfactory No. of Responses 25

Inference: As the Bar graph above shows those respondents using the Internet banking service offered by their bank, 30 respondents out of them mark the service quality as good enough while 25 respondents mark it as excellent and similar number for satisfactory services. The least number of respondents are highly dissatisfied by the service quality.

B] If no, then what is the reason?

No. of Responses
40 35 30 25 20 15 10 5 0 37 30 16 17

No. of Responses

Inference: As the Bar graph above shows those respondents which are not using the Internet banking service offered by their bank, 37 respondents are not using the specified service due to lack of knowledge/information.30 respondents still not find internet banking as a safe medium for banking transactions.16 respondents are not satisfied with the efficiency of the services of their bank .17 respondents are facing technical barriers while using internet banking.

Table 5: What is Your Point of View About The Internet banking Facility?

responses(in %)

20

35 It Improves the Service Quality it is very Fast & Effective

30 15

It Saves Time & Money It Needs Expertise In computer

Inference: As the Pie chart above shows that 35% respondents are thinking that internet banking service improves the service quality.30% respondents think that it saves time and money while 20% think that it needs expertise in computer. The least number of respondents 15% thinks that internet banking is highly effective and fast.

Table 6: Do you think Internet Banking Is a Safe Medium of transactions?

25%

YES NO

75%

Inference: As the Pie chart above shows that 25% of respondents find Internet banking service as a safe medium for monetary transactions offered by their respective bank while 75% respondents find it more vulnerable to risk. They think that it cant be trusted as a safer medium for monetary transactions.

Table 7: Are You Satisfied With the Reliability of Internet Banking Service?

responses(in %)

25

10

It is Very Safe & Reliable It Involves Higher Degree of Risk My Account Could Be Hacked Since Money Is Involved, so it cant be Trusted

35 30

Inference: As the Pie chart above shows that 35% respondents are thinking that internet banking service involves higher degree of risk while 30% respondents think that their account could be hacked.25% respondents think that internet banking cant be trusted because money is involved. The least number of respondents 10% find internet banking as a safe and reliable medium for monetary transactions.

Table 8: Does Your Bank Provide You the Opportunity to have Proper Expertise in Internet Banking?

40%

YES NO
60%

Inference: As the Pie chart above shows that 60% of respondents agrees with the opportunity provide by bank to have proper expertise in internet banking while 40% respondents are disagree with the opportunity provide by bank to have proper expertise in internet banking.

Table 9: Internet Banking is an upcoming Service in Indian Banking Industry but have the main problem
40%

35%

30%

25%

20% 36% 33% 15%

10%

21%

5%

10%

0% People are not Use of More Stringent Clients dont Technical Computer & Norms are Trust on it Savvy internet is not required popular in India

Inference: As the Bar graph above shows that Internet Banking is an upcoming Service in Indian Banking Industry but have the main problem. Most of the respondents 36%think that people are not technical savvy while 33% respondents think that computer and internet is not popular in India.21% respondents think that clients dont trust on internet banking. The least number of respondents 10% think that there should be more stringent norms required.