Abstract
E-banking, or electronic banking, has revolutionized the traditional banking landscape by offering customers convenient, secure, and 24/7 access to financial services. This study explores the operational aspects of e-banking, focusing on its evolution, key services, benefits, challenges, and impact on customer satisfaction and banking efficiency. E-banking platforms include internet banking, mobile banking, ATM services, electronic fund transfers, and digital wallets. The study analyzes how Indian banks have adopted these technologies and the strategies they employ to ensure secure and user-friendly services. It also examines cybersecurity concerns, regulatory frameworks by the Reserve Bank of India (RBI), and customer adoption trends. The shift towards digital banking has significantly reduced transaction costs, improved transparency, and expanded financial inclusion. However, challenges such as cyber threats, digital illiteracy, and technical disruptions persist. Through case studies and survey analysis, the study provides insights into customer preferences and banks' efforts to build trust in digital platforms. The findings highlight the importance of continuous innovation, robust IT infrastructure, and customer-centric policies in enhancing the efficiency and sustainability of e-banking operations in India.
Keywords
E-banking, internet banking, mobile banking, digital transactions, RBI regulations, cybersecurity, financial inclusion, Indian banking sector, customer satisfaction, digital transformation
Citations
IRE Journals:
Dr. P Lokesh Muni Kumar , Raju J
"E-Banking Operations" Iconic Research And Engineering Journals Volume 8 Issue 10 2025 Page 1551-1554
IEEE:
Dr. P Lokesh Muni Kumar , Raju J
"E-Banking Operations" Iconic Research And Engineering Journals, 8(10)
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