Home / Current Issue / Paper 1722706
A Study On Impact of Server Downtime On Financial Transactions at India Post Payments Bank (IPPB), With Reference to Davangere, Karnataka
Subject area: Management and Commerce · Area of research: Server Downtime at India Post Payment Bank
DOI: https://doi.org/10.64388/IREV10I3-1722706
Abstract
This study examines the impact of server downtime on financial transactions at India Post Payments Bank (IPPB) in Davangere, Karnataka. IPPB offers digital banking services such as UPI, AePS, Direct Benefit Transfers (DBT), and doorstep banking, all of which depend on reliable server systems. Data were collected from 77 IPPB employees through a structured questionnaire. The findings show that frequent server outages delay transactions, increase employee workload, and lead to customer complaints, affecting the overall efficiency of banking operations. The study also highlights the importance of maintaining uninterrupted digital services to ensure customer satisfaction. It concludes that improving server reliability, technical support, and backup systems is essential for ensuring smooth banking operations, better customer service, and long-term operational efficiency.
Keywords
Server Downtime, IPPB, Financial Transactions, Employee Productivity, Service Delivery, Davangere.
References
[1] Folorunso, R. Y., Emmanuel, O. O., & Sulaimon, O. A. (2023). Cost Effects of Electronic Banking Channel Downtime During the COVID-19 Pandemic Using M/M/s Queuing Model.
[2] Boggs, R., Perry, R., & Bozman, J. S. (2022). Business Risk Management Through Infrastructure Optimization.
[3] Pisello, T., & Quirk, B. (2023). Calculating the Financial Impact of Network Downtime on Business Productivity.
[4] Oladipe, O., Adewumi, S. E., Yusuf, Y. N., Sani, G., & Bimbolas, A. K. (2024). Operational Variables Affecting ATM System Downtime in Nigerian Banks.
[5] Ajayi, A., Adewumi, A., Arikeuyo, A., & Babatunde, B. (2025). Impact of Banking System Downtime on Customer Trust and Transaction Success.
[6] [India Postal Payment Bank Official Website,] (https://ippbonline.bank.in?utm_)
[7] Annual reports (https://ippbonline.bank.in/web/ippb/annual-reports?utm_)
[8] [India Post Official Website] (https://www.indiapost.gov.in?utm_)
[9] [(NPCI)] (https://www.npci.org.in?utm_)
[10] [Digital India Initiative] (https://www.digitalindia.gov.in?utm_)
[11] [Ministry of Communications, Government of India] (https://dot.gov.in?utm_)
[12] [Press Information Bureau (PIB)] (https://pib.gov.in?utm_)
[13] Digital India. (2025). Digital India Programme. Retrieved from (https://www.digitalindia.gov.in)
[14] [Google Scholar](https://scholar.google.com?utm_)
[15] [Research Gate] (https://www.researchgate.net?utm_)
How to cite this paper
@article{1722706,
author = {Priya C. Etagi, Namitha P D, Tejaswini M},
title = {A Study On Impact of Server Downtime On Financial Transactions at India Post Payments Bank (IPPB), With Reference to Davangere, Karnataka},
journal = {Iconic Research And Engineering Journals},
year = {2026},
volume = {10},
number = {3},
pages = {10-14},
issn = {2456-8880},
url = {https://www.irejournals.com/formatedpaper/1722706.pdf},
abstract = {This study examines the impact of server downtime on financial transactions at India Post Payments Bank (IPPB) in Davangere, Karnataka. IPPB offers digital banking services such as UPI, AePS, Direct Benefit Transfers (DBT), and doorstep banking, all of which depend on reliable server systems. Data were collected from 77 IPPB employees through a structured questionnaire. The findings show that frequent server outages delay transactions, increase employee workload, and lead to customer complaints, affecting the overall efficiency of banking operations. The study also highlights the importance of maintaining uninterrupted digital services to ensure customer satisfaction. It concludes that improving server reliability, technical support, and backup systems is essential for ensuring smooth banking operations, better customer service, and long-term operational efficiency.},
keywords = {Server Downtime, IPPB, Financial Transactions, Employee Productivity, Service Delivery, Davangere.},
month = {September},
doi = {https://doi.org/10.64388/IREV10I3-1722706}
}