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The IUP Journal of Bank Management
ISSN: 0972-6918
A ‘peer reviewed’ journal indexed on Cabell’s Directory,
and also distributed by EBSCO and Proquest Database

Nov'16

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The IUP Journal of Bank Management is a quarterly journal that focuses on risk management, forex markets, retail banking, HRD and leadership, banking, supervision, convergence of financial services and E-Banking.

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Factors Influencing the Usage of Mobile Banking Among Customers
Financial Inclusion in India: Rethinking the Banking Initiatives
Branch-Level Efficiency and Decomposition of Assam Gramin Vikash Bank: An Indicative DEA Approach
The Influence of HR Policy Dimensions on the Job Satisfaction of Employees of Public Sector Banks: A Study on Indian Overseas Bank
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Contents
(November 2016)

Factors Influencing the Usage of Mobile Banking Among Customers

-- Anjali Yadav

This paper investigates the factors that influence the usage of mobile banking for availing banking products and services. A self-administered questionnaire had been developed and distributed among the customers of a major public sector bank of India. The response rate was 60% and the results were subsequently analyzed using multiple regression. The influencing factors were analyzed under five major factors: perceived risk, compatibility of software, customer profile, external threat and relative advantage, under which several other factors have been explored. Factors like rural customers’ aversion to adopting mobile banking services and external threats like phishing and hacking were found to be negatively related to the usage of mobile banking as threats make the users confused about their transaction security in using mobile banking. While factors like education, transaction risk, perceived risk and compatibility of software were significantly and positively related with the intention to use mobile banking services, financial risk was the only factor found insignificant.

Article Price : Rs.50

Financial Inclusion in India: Rethinking the Banking Initiatives

-- Namrata Sandhu and Dilpreet Singh

Despite being high on the government’s agenda, financial inclusion remains an unrealized dream in India. Against this backdrop, the present study is a pathfinding attempt to suggest measures that can assist banks deepen financial inclusion in India. Primary data for the study was collected from bank officials engaged in the development and/or execution of strategies. The final sample comprised 364 responses from officials employed with 21 public sector and 12 private sector Indian banks. Care was taken to ensure substantial rural representation in the sample. An empirical analysis of the views of the respondents revealed that widening the bank network, technology solutions, targeting the neglected niches, regulatory support, and building trust and awareness can successfully augment the transformation of India into a financially inclusive economy.

Article Price : Rs.50

Branch-Level Efficiency and Decomposition of Assam Gramin Vikash Bank: An Indicative DEA Approach

-- Joyeeta Deb and Mohuya Deb Purkayastha

Branches act as foot soldiers for a bank as the bank’s business comes from its branches. Thus, it is of paramount importance to measure the efficiency at the branch level. The present study focuses on the level of efficiency at which the selected branches of Assam Gramin Vikash Bank (AGVB) operate and investigates the cost savings potentiality of these branches as against the best practice. Further, the study also identifies the determining factors of efficiency or inefficiency. The nonparametric Data Envelopment Analysis (DEA) model with Variable Returns to Scale assumption (BCC Model) is used to ascertain efficiency and Tobit regression model is used to estimate the determinants of efficiency. The results of the study revealed that on an average the branches operate at an efficiency level of 67% and there remains scope of cost saving potentialities to the tune of 33%. Factors like non-interest income, net interest income, employee cost and NPAs are found to negatively influence the efficiency, whereas size is found to have a positive impact on efficiency. Urban and semi-urban branches are found to be relatively more efficient than the rural branches.

Article Price : Rs.50

The Influence of HR Policy Dimensions on the Job Satisfaction of Employees of Public Sector Banks: A Study on Indian Overseas Bank

-- S Baskar

The HR policies in the Public Sector Banks (PSBs) relating to Compensation, Benefits, Promotion, Mobility, Transfer, Contingent Rewards, Training, Staff Accountability, Incentives, etc. have been framed in terms of guidelines issued by the Government of India (GOI), which is the promoter and major shareholder of the PSBs. These policies have a direct bearing on the job satisfaction of employees and cascading effect on the performance of the bank. The research study in Indian Overseas Bank (IOB) revealed that the overall level of job satisfaction of employees in terms of established job factors was found to be at an ambivalent level. While factors like Fringe Benefits (FB) and Operating Conditions (OPC) showed a level of dissatisfaction, factors like Promotion, Contingent Rewards and Pay showed an ambivalent level. Regression analysis on the data showed Performance Management System (PMS) factor as the significant factor among the six factors of bank policy dimensions considered for the study. Conversely, Pearson Correlation Coefficient analysis showed that PMS factor was positively related to factors like Communication, Contingent Rewards and also Pay. However, factors like Trade Union and Communication were found to be negatively related to each other. The research findings not only support the existing literature on job satisfaction but also add to the deficit literature by exploring the influence and relationship of Bank Policy Dimensions for the Job Satisfaction of employees in the Indian context in Public Sector Banks.

Article Price : Rs.50

 

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Automated Teller Machines (ATMs): The Changing Face of Banking in India

Bank Management
Information and communication technology has changed the way in which banks provide services to its customers. These days the customers are able to perform their routine banking transactions without even entering the bank premises. ATM is one such development in recent years, which provides remote banking services all over the world, including India. This paper analyzes the development of this self-service banking in India based on the secondary data.

The Information and Communication Technology (ICT) is playing a very important role in the progress and advancement in almost all walks of life. The deregulated environment has provided an opportunity to restructure the means and methods of delivery of services in many areas, including the banking sector. The ICT has been a focused issue in the past two decades in Indian banking. In fact, ICTs are enabling the banks to change the way in which they are functioning. Improved customer service has become very important for the very survival and growth of banking sector in the reforms era. The technological advancements, deregulations, and intense competition due to the entry of private sector and foreign banks have altered the face of banking from one of mere intermediation to one of provider of quick, efficient and customer-friendly services. With the introduction and adoption of ICT in the banking sector, the customers are fast moving away from the traditional branch banking system to the convenient and comfort of virtual banking. The most important virtual banking services are phone banking, mobile banking, Internet banking and ATM banking. These electronic channels have enhanced the delivery of banking services accurately and efficiently to the customers. The ATMs are an important part of a bank’s alternative channel to reach the customers, to showcase products and services and to create brand awareness. This is reflected in the increase in the number of ATMs all over the world. ATM is one of the most widely used remote banking services all over the world, including India. This paper analyzes the growth of ATMs of different bank groups in India.
International Scenario

If ATMs are largely available over geographically dispersed areas, the benefit from using an ATM will increase as customers will be able to access their bank accounts from any geographic location. This would imply that the value of an ATM network increases with the number of available ATM locations, and the value of a bank network to a customer will be determined in part by the final network size of the banking system. The statistical information on the growth of branches and ATM network in select countries.

Indian Scenario

The financial services industry in India has witnessed a phenomenal growth, diversification and specialization since the initiation of financial sector reforms in 1991. Greater customer orientation is the only way to retain customer loyalty and withstand competition in the liberalized world. In a market-driven strategy of development, customer preference is of paramount importance in any economy. Gone are the days when customers used to come to the doorsteps of banks. Now the banks are required to chase the customers; only those banks which are customercentric and extremely focused on the needs of their clients can succeed in their business today.

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