EFFECT OF MOBILE BANKING ON PERFORMANCE OF CO-OPERATIVE BANKS IN DHARWAD
Keywords: Mobile Banking, Mobile Lending, Customer Adoption, Operational Costs
ABSTRACT: Introduction: This article introduce on mobile banking is the use of mobile devices to perform financial transactions and access bank services. Mobile banking started in India in 2002 and since then there has been a period of rapid expansion and numerous technological innovations making mobile banking among the main technological tools used in the provision of bank services. Purpose of study: The purpose of this article is to examine the role mobile banking plays towards the performance of Co-operative Banks in Dharwad and aim of this article to achieving four main objectives: the effect of mobile banking revenues, mobile lending, customer adoption and operational costs on performance of Co-operative Banks in Dharwad. Methodology: Research Design: A quantitative research design was used and Sources of Data: Secondary data was extracted from the quarterly electronic Banking reports. Data Collection and Analysis: A regression model was used to prove a relationship between two variables: performance and mobile banking using profit before tax as a measure of the dependent variable. Several pre-estimation tests were carried out; they included unit root tests co-integration tests, heteroskedasticity tests and multi-collinearity tests. Data was analysis: This article analysis the data by using SPSS and regression analysis showed a positive association between mobile banking revenues, mobile lending, customer adoption and operational costs. Suggestion: The suggestion of this article was to drive numbers by improving the mobile platform and ensuring that they are customer friendly and easy to access as well as providing affordable loans through Google Pay, Phonepe, Paytm and BHIM app their primary mobile lending tool as this translates to improved profits for banks. Conclusion: This article concludes on the study of mobile banking were mobile banking revenues, customer adoption , mobile lending and operational costs . Keywords: Mobile Banking, Mobile Lending, Customer Adoption, Operational Costs
"EFFECT OF MOBILE BANKING ON PERFORMANCE OF CO-OPERATIVE BANKS IN DHARWAD", IJSDR - International Journal of Scientific Development and Research (www.IJSDR.org), ISSN:2455-2631, Vol.8, Issue 8, page no.1108 - 1112, August-2023, Available :https://ijsdr.org/papers/IJSDR2308162.pdf
Volume 8
Issue 8,
August-2023
Pages : 1108 - 1112
Paper Reg. ID: IJSDR_208401
Published Paper Id: IJSDR2308162
Downloads: 000347228
Research Area: Commerce
Country: Ankola Taluka / Uttar Kannada District, Karnataka, India
ISSN: 2455-2631 | IMPACT FACTOR: 9.15 Calculated By Google Scholar | ESTD YEAR: 2016
An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 9.15 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator
Publisher: IJSDR(IJ Publication) Janvi Wave
