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INTERNATIONAL JOURNAL OF SCIENTIFIC DEVELOPMENT AND RESEARCH International Peer Reviewed & Refereed Journals, Open Access Journal ISSN Approved Journal No: 2455-2631 | Impact factor: 8.15 | ESTD Year: 2016 open access , Peer-reviewed, and Refereed Journals, Impact factor 8.15 |
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| Paper Title: | EFFECT OF MOBILE BANKING ON PERFORMANCE OF CO-OPERATIVE BANKS IN DHARWAD |
| Authors Name: | GEETA G HIREMATH |
| Unique Id: | IJSDR2308162 |
| Published In: | Volume 8 Issue 8, August-2023 |
| Abstract: | 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 |
| Keywords: | Keywords: Mobile Banking, Mobile Lending, Customer Adoption, Operational Costs |
| Cite Article: | "EFFECT OF MOBILE BANKING ON PERFORMANCE OF CO-OPERATIVE BANKS IN DHARWAD", International Journal of Science & Engineering Development Research (www.ijsdr.org), ISSN:2455-2631, Vol.8, Issue 8, page no.1108 - 1112, August-2023, Available :http://www.ijsdr.org/papers/IJSDR2308162.pdf |
| Downloads: | 000338719 |
| Publication Details: | Published Paper ID: IJSDR2308162 Registration ID:208401 Published In: Volume 8 Issue 8, August-2023 DOI (Digital Object Identifier): Page No: 1108 - 1112 Publisher: IJSDR | www.ijsdr.org ISSN Number: 2455-2631 |
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