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@article{204067,
        author = {Dr. SOMASHEKAR N.,},
        title = {E-banking current state in India: opportunities and challenges.},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {13},
        number = {1},
        pages = {2884-2889},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=204067},
        abstract = {Electronic banking, also known as online banking, virtual banking or internet banking, is a system which allows for online banking transactions such as transfer of funds, payment of credit and EMIs, and the deposit and withdrawal of cash. Electronic banking plays a crucial role in existing banking functions. It is assumed that electronic banking is safe and secure compared to physical banking. It guarantees a qualitative banking operation as compared with traditional banking. Electronic banking in India is still in an early stage of growth and development. Competition and technological change have changed the face of banking.
The aim of the study is to highlight the e-banking concept. The research methodology of this study used secondary data from various databases of e-banking books, research papers and related articles available online. This study was carried out to describe the current state of e-banking in India and to explore the challenges and opportunities of e-banking. The banking sector is gaining customer satisfaction and loyalty through e-banking. Banks should provide their customers with convenience, which means offering services through multiple distribution channels and making online services more accessible to customers.},
        keywords = {E-banking, internet, electronic payment, challenges, opportunities.},
        month = {June},
        }