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Title: :  The Significance of E-Banking Services: An Empirical Study
PaperId: :  27374
Published in:   International Journal Of Advance Research And Innovative Ideas In Education
Publisher:   IJARIIE
e-ISSN:   2395-4396
Volume/Issue:    Volume 11 Issue 4 2025
DUI:    16.0415/IJARIIE-27374
Licence: :   IJARIIE is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Author NameAuthor Institute
Dr.Mayuresh M ShingrupJagadamba Mahavidyalaya, Achalpur City

Abstract

Management and Commerce
E-banking, ATMs, Financial inclusion, Internet Banking, cybersecurity
This study explores the significance of electronic banking (e-banking) services in contemporary financial ecosystems. With the rapid digitization of financial services, e-banking has emerged as a crucial platform for enhancing customer convenience, operational efficiency, and financial inclusion. This research employs a mixed-methods approach, combining quantitative surveys and qualitative interviews, to analyze e-banking adoption, customer satisfaction, and economic implications. Key findings reveal that 72% of respondents actively use e-banking services, with mobile banking being the most preferred platform. Statistical tests show significant urban-rural disparities in adoption rates and identify convenience and security as critical predictors of customer satisfaction. Moreover, the study highlights the role of e-banking in reducing operational costs for banks and fostering financial inclusion, while also addressing challenges such as cybersecurity threats and digital literacy gaps. Recommendations include enhancing security measures, promoting digital literacy, and prioritizing customer-centric innovations to maximize the benefits of e-banking services.

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IJARIIE Dr.Mayuresh M Shingrup. "The Significance of E-Banking Services: An Empirical Study" International Journal Of Advance Research And Innovative Ideas In Education Volume 11 Issue 4 2025 Page 3706-3711
MLA Dr.Mayuresh M Shingrup. "The Significance of E-Banking Services: An Empirical Study." International Journal Of Advance Research And Innovative Ideas In Education 11.4(2025) : 3706-3711.
APA Dr.Mayuresh M Shingrup. (2025). The Significance of E-Banking Services: An Empirical Study. International Journal Of Advance Research And Innovative Ideas In Education, 11(4), 3706-3711.
Chicago Dr.Mayuresh M Shingrup. "The Significance of E-Banking Services: An Empirical Study." International Journal Of Advance Research And Innovative Ideas In Education 11, no. 4 (2025) : 3706-3711.
Oxford Dr.Mayuresh M Shingrup. 'The Significance of E-Banking Services: An Empirical Study', International Journal Of Advance Research And Innovative Ideas In Education, vol. 11, no. 4, 2025, p. 3706-3711. Available from IJARIIE, https://ijariie.com/AdminUploadPdf/The_Significance_of_E_Banking_Services__An_Empirical_Study_ijariie27374.pdf (Accessed : ).
Harvard Dr.Mayuresh M Shingrup. (2025) 'The Significance of E-Banking Services: An Empirical Study', International Journal Of Advance Research And Innovative Ideas In Education, 11(4), pp. 3706-3711IJARIIE [Online]. Available at: https://ijariie.com/AdminUploadPdf/The_Significance_of_E_Banking_Services__An_Empirical_Study_ijariie27374.pdf (Accessed : )
IEEE Dr.Mayuresh M Shingrup, "The Significance of E-Banking Services: An Empirical Study," International Journal Of Advance Research And Innovative Ideas In Education, vol. 11, no. 4, pp. 3706-3711, Jul-Aug 2025. [Online]. Available: https://ijariie.com/AdminUploadPdf/The_Significance_of_E_Banking_Services__An_Empirical_Study_ijariie27374.pdf [Accessed : ].
Turabian Dr.Mayuresh M Shingrup. "The Significance of E-Banking Services: An Empirical Study." International Journal Of Advance Research And Innovative Ideas In Education [Online]. volume 11 number 4 ().
Vancouver Dr.Mayuresh M Shingrup. The Significance of E-Banking Services: An Empirical Study. International Journal Of Advance Research And Innovative Ideas In Education [Internet]. 2025 [Cited : ]; 11(4) : 3706-3711. Available from: https://ijariie.com/AdminUploadPdf/The_Significance_of_E_Banking_Services__An_Empirical_Study_ijariie27374.pdf
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