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| Article Name : | | | IMPACT OF E-BANKING SERVICES – AN EMPIRICAL STUDY IN CHITTOOR DISTRICT, A.P. | | Author Name : | | | S.Vijayulu Reddy , T. Viswanadha Reddy | | Publisher : | | | Ashok Yakkaldevi | | Article Series No. : | | | ROR-1722 | | Article : | |  | Author Profile | | Abstract : | | | Technology has opened up new markets, new products, new services and efficient delivery channels for the banking industry. The different E-channels like ATMs, Credit & Debit Cards, Tele-banking, Mobile-banking, Online-banking, Smart Cards, etc, are changing the face of the Indian banks. The customers with high-income level, high education, serviceman and businessman are using e-delivery channels more and more and they are aware about the concept of E-banking. Agriculturists, customers belong to low income group and less educated are using these e-channels to limited extent due to lack of awareness and knowledge on these channels. Out of all the e-delivery channels, ATMs and Mobile banking is considered as most cost-effective as compared to other channels. The banks should disclose the full information to the customers to win their confidence like service charges, service tax, interest, penalty, if any, etc. | | Keywords : | | - Mobile Banking
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