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Title: :  E-Banking in India: Focus on Retail Payments
PaperId: :  12756
Published in:   International Journal Of Advance Research And Innovative Ideas In Education
Publisher:   IJARIIE
e-ISSN:   2395-4396
Volume/Issue:    Volume 6 Issue 5 2020
DUI:    16.0415/IJARIIE-12756
Licence: :   IJARIIE is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Author NameAuthor Institute
Dr.B.ShailajaUniversity College for Women, Koti, Osmania University

Abstract

Commerce
E.Banking, CAGR,Prepaid Payments Instruments
Indian banking industry has witnessed a tremendous developments due to sweeping changes that are taking place in the information technology. Indian Banking services are accessible 24x7. There are more plastic cards in your wallet than currency notes. Banks today operate in a highly globalized, liberalized, privatized and a competitive environment. In order to survive in this environment, banks have to use IT. Retail electronic payment system has progressed in the recent years in the world. Reserve Bank in its Vision statement has set the objective to proactively promote electronic payments with an objective towards less cash society. The formation of National Payments Corporation (NPCI) in the year 2009 has set the stage for development of retail electronic payments which offers enormous opportunity to move towards cashless and less cash society. The data on banks collected from RBI Reports have been analyzed by using well established statistical tools and techniques. Compound Annual Growth Rate (CAGR) is used to analyse the data for the products such as electronic clearing, ECS (Debit), National Electronic Funds Transfer (NEFT), and Card Products. Various innovative products, such as Immediate Payment Services (IMPS), National Automated Clearing House (NACH) and Prepaid Instruments (PPI), were launched after the formation of NPCI. There is enormous opportunity since the ratio of retail electronic clearing to systematically important payments such as Real Time Gross Settlement and CCIL grew from 1 percent in the year 2005-06 to 3 percent in the year 2013-14. Retail Payments – Prepaid Payments Instruments (PPI) Volume creates the higher volume when compared to other online retail payment systems.

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IJARIIE Dr.B.Shailaja. "E-Banking in India: Focus on Retail Payments" International Journal Of Advance Research And Innovative Ideas In Education Volume 6 Issue 5 2020 Page 783-789
MLA Dr.B.Shailaja. "E-Banking in India: Focus on Retail Payments." International Journal Of Advance Research And Innovative Ideas In Education 6.5(2020) : 783-789.
APA Dr.B.Shailaja. (2020). E-Banking in India: Focus on Retail Payments. International Journal Of Advance Research And Innovative Ideas In Education, 6(5), 783-789.
Chicago Dr.B.Shailaja. "E-Banking in India: Focus on Retail Payments." International Journal Of Advance Research And Innovative Ideas In Education 6, no. 5 (2020) : 783-789.
Oxford Dr.B.Shailaja. 'E-Banking in India: Focus on Retail Payments', International Journal Of Advance Research And Innovative Ideas In Education, vol. 6, no. 5, 2020, p. 783-789. Available from IJARIIE, https://ijariie.com/AdminUploadPdf/E_Banking_in_India__Focus_on_Retail_Payments_ijariie12756.pdf (Accessed : ).
Harvard Dr.B.Shailaja. (2020) 'E-Banking in India: Focus on Retail Payments', International Journal Of Advance Research And Innovative Ideas In Education, 6(5), pp. 783-789IJARIIE [Online]. Available at: https://ijariie.com/AdminUploadPdf/E_Banking_in_India__Focus_on_Retail_Payments_ijariie12756.pdf (Accessed : )
IEEE Dr.B.Shailaja, "E-Banking in India: Focus on Retail Payments," International Journal Of Advance Research And Innovative Ideas In Education, vol. 6, no. 5, pp. 783-789, Sep-Oct 2020. [Online]. Available: https://ijariie.com/AdminUploadPdf/E_Banking_in_India__Focus_on_Retail_Payments_ijariie12756.pdf [Accessed : ].
Turabian Dr.B.Shailaja. "E-Banking in India: Focus on Retail Payments." International Journal Of Advance Research And Innovative Ideas In Education [Online]. volume 6 number 5 ().
Vancouver Dr.B.Shailaja. E-Banking in India: Focus on Retail Payments. International Journal Of Advance Research And Innovative Ideas In Education [Internet]. 2020 [Cited : ]; 6(5) : 783-789. Available from: https://ijariie.com/AdminUploadPdf/E_Banking_in_India__Focus_on_Retail_Payments_ijariie12756.pdf
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