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@article{186779,
        author = {Mr.M.C.Raveendra and Prof.K.Ramakrishnaiah},
        title = {PERCEPTIONAL VIEWS OF SAMPLE RESPONDENT CUSTOMERS TOWARDS E-BANKING SERVICES OF SBI AND HDFC BANKS IN Y.S.R. KADAPA DISTRICT, ANDHRA PRADESH- A STUDY},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {12},
        number = {6},
        pages = {2521-2531},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=186779},
        abstract = {e-Banking is an umbrella term by which a customer can carry out simple and advanced transactions electronically without a brick-and-mortar model. The objectives with which the present paper is prepared are; 1) To examine the customer’s perceptions on e-Banking services of State Bank of India (SBI) and HDFC Banks in Y.S.R. Kadapa district and 2) To analyse the awareness of the customers towards e-Banking services of SBI and HDFC Banks in Y.S.R. Kadapa district. A sample of 360 customers from each of the Banks viz., SBI and HDFC Banks in Y.S.R. Kadapa district are taken through convenience sampling technique. The primary data have been collected from the sample respondent customers of SBI and HDFC Banks for the year 2024-25. This paper found that majority of the sample respondent account holders of SBI (93.06 per cent) responded that they owned ATM cards and a few respondent account holders (6.94 per cent) stated that they did not have ATM cards. In the HDFC Bank, majority of the respondent account holders (96.67 per cent) stated that they owned ATM cards and a few respondent account holders (3.33 per cent) responded that they did not own ATM cards. It is concluded that banks are facing certain serious challenges adopting to latest technology. The basic structure of the bank is increasingly in conflict Technology with the changing products, delivery and service needs of the account holders. It is suggested that banks should concentrate on cyber security problems including sensitive identities that are susceptible for misuse in the cyber environment. The cost of accessing Internet Banking services should be reduced to maximise the number of people who use the said service. The e-Banking infrastructure should be improved to make online inquiry and payment even more convenient.},
        keywords = {e-Banking, Cyber security, SBI, HDFC, Customer Perception, Internet banking, ATMs},
        month = {November},
        }