Information Technology on Andhra Bank = A Case Study of ANU Campus

Mohammed Thamer Kassar Al-Janabi, R. Siva Ram Pradad


Electronic banking is generally an extension of traditional banking, using the internet as an electric delivery channel for banking products and services. The banking today is redefined and re-engineered with the use of IT and it is sure that the future of banking will offer more sophisticated services to customers with the continuous product and process innovations. Thus there is a paradigm shift from seller’s market to buyer’s market. So banks also change their approach from “Conventional Banking to Convenience Banking” and “Mass banking to Class Banking”. The study examines various relevant issues relating to role of IT in banking and recommends ensuring privacy and confidentiality of data’s, implement IT and other Cyber laws properly. This will ensure the developmental role of IT in the banking industry. Government of India encourages people to move towards Cashless Economy. This can be achieved by use of Debit, Credit cards, electronic payment gateway systems such as National electronic funds transfer (NEFT) and Real time gross settlement (RTGS) etc. in India. Also increase in Internet, mobile adoption, new channels like websites, social media and mobile App provides new way for consumers to access financial transactions. The study of this paper is to find role of E-Banking services in Digital India. The objectives of study are to identify Drivers of Digital Banking Transformation, contribution of Indian banks towards Digital India, facilities provided by Indian banks to make India cashless, Key barriers of Digital payment and to identify Threat for Indian bank. Technology has become a tool that facilitates banks’ organizational structures, business strategies, customer services and related functions. Digitalization changes face of branch banking.

Full Text:


Copyright (c) 2019 Edupedia Publications Pvt Ltd

Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.


All published Articles are Open Access at 

Paper submission: