CHAPTER - 1

INTRODUCTION

CHAPTER 1 INTRODUCTION
1.1 Internet Banking

The Internet banking is changing the banking industry and is having the major effects on banking relationships. Even the Morgan Stanley Dean Witter Internet research emphasized that Web is more important for retail financial services than for many other industries. Internet banking involves use of Internet for delivery of banking products & services. It falls into four main categories, from Level 1 - minimum functionality sites that offer only access to deposit account data - to Level 4 sites - highly sophisticated offerings enabling integrated sales of additional products and access to other financial servicessuch as investment and insurance. In other words a successful Internet banking solution offers. Exceptional rates on Savings, CDs, and IRAs Checking with no monthly fee, free bill payment and rebates Credit personal 24 on cards loans hour ATM with and account low surcharges rates including mortgages access

Easy online applications for all accounts,

Quality customer service with personal attention

1.2 DRIVERS OF CHANGE

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Advantages previously held by large financial institutions have shrunk considerably. The Internet has leveled the playing field and afforded open access to customers in the global marketplace. Internet banking is a cost-effective delivery channel for financial institutions. Consumers are embracing the many benefits of Internet banking. Access to one's accounts at anytime and from any location via the World Wide Web is a convenience unknown a short time ago. Thus, a bank's Internet presence transforms from 'brouchreware' status to 'Internet banking' status once the bank goes through a technology integration effort to enable the customer to access information about his or her specific account relationship. The six primary drivers of Internet banking includes, in order of primacy are: Improve customer access Facilitate the offering of more services Increase customer loyalty Attract new customers Provide services offered by competitors Reduce customer attrition

1.3 INDIAN BANKS ON WEB

The banking industry in India is facing unprecedented competition from non-traditional banking institutions, which now offer banking and financial services over the Internet. The deregulation of the banking industry coupled with the emergence of new technologies, are enabling new competitors to enter the financial services market quickly and efficiently. Indian banks are going for the retail banking in a big way. However, much is still to be achieved. This study which

was conducted by students of IIML shows some interesting facts: Throughout the country, the Internet Banking is in the nascent stage of development (only 50 banks are offering varied kind of Internet banking services). In general, these Internet sites offer only the most basic services. 55% are so called 'entry level' sites, offering little more than company information and basic marketing materials. Only 8% offer 'advanced transactions' such as online funds transfer, transactions & cash management services. Foreign & Private Banks are much advanced in terms of the number of sites & their level of development.

1.4 EMERGING CHALLENGES

Information technology analyst firm, the Meta Group, recently reported that "financial institutions who don't offer home banking by the year 2000 will become marginalized." By the year of 2002, a large sophisticated and highly competitive Internet Banking Market will develop which will be driven by Demand side pressure due to increasing access to low cost electronic services. Emergence of open standards for banking functionality. Growing customer awareness and need of transparency. Global players in the fray Close integration of bank services with web based Ecommerce or even disintermediation of services through direct electronic payments (ECash). More convenient international transactions due to the fact that the Internet along with general deregulation trends eliminates geographic boundaries.
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 Move from one stop shopping to 'Banking Portfolio' i.e. unbundled product purchases. Certainly some existing brick and mortar banks will go out of business. But that's because they fail to respond to the challenge of the Internet. The Internet and its underlying technologies will change and transform not just banking, but all aspects of finance and commerce. It represents much more than a new distribution opportunity. It will enable nimble players to leverage their brick and mortar presence to improve customer satisfaction and gain share. It will force lethargic players who are struck with legacy cost basis, out of businesssince they are unable to bring to play in the new context.

CHAPTER 2 RESEARCH METHEDOLOGY

CHAPTER 2
RESEARCH METHODOLOGY

Research Methodology is a way to systematically solve the research problem i.e. it signifies how the research is being carried out. Here we study the various steps that are adopted in studying the research problem. The methodology gives the researcher a

chance to put forth his views, contentions and justifications for having adopted a certain way of doing research and ruling out other possibilities. It is with this view that this chapter has been incorporated in the present work and has been divided into following sections:1) Research Design 2) Sample Design 3) Data Collection 4) Data Analysis 1) RESEARCH DESIGN After formulating the research objectives, the next step is to select the suitable Research Design. A Research Design is the conceptual structure within which the research is conducted. It constitutes the blueprint for collection, measurement and analysis of data. The literature has been scanned primarily from the textbook, website, company journals, publications and magazines etc. Research Design has been classified into following three categories: Exploratory Descriptive Causative Then a working hypothesis was evolved which consisted of personal investigation of descriptive nature involving original field interview on a limited scale with a view to secure greater insight into the practical aspects of the present research study. The 7

available data was then organized in such a way that leads to right path and selecting pre-determined approach of data collection by administering questions using convenient sampling.

In the project ANALITICAL STUDY OF CUSTOMRERS PREFERENCE TOWARDS VARIOUS MOTOR CYCLE BRANDS EXPLORATIVE RESEARCH DESIGN is being used.

Explorative research design is also termed as formulative research design. The main purpose of such studies is that of formulating a problem for more precise investigation or of developing the work hypotheses from an operational point of view. The major emphasis in this design is on the discovery of ideas and insights. This research design is appropriate for such studies which are flexible enough to provide opportunity for considering different aspects of a problem which is under study.

2) SAMPLE DESIGN Examining the entire sample accurately is rewarded, but practically it is impossible because of time and money constraints. In such a case Sampling is the only technique. As such a sample design is a definite plan for obtaining a sample from a given population. Sample Design needs to be determined before data are collected. Sample Design includes the following:8

 POPULATION The sample used in the study includes the people from the Rohtak. SAMPLING METHOD Convenient Random Sampling method has been used to get the responses from various people. SIZE OF THE SAMPLE The size of the sample is 100. This sample population includes all types of people with in the Rohtak city RESEARCH INSTRUMENT Questionnaire has been used as research instrument to obtain information. The responses from the concerned respondents were collected personally.

3) DATA COLLECTION The data collection is the gathering of needed information for making fruitful decisions that helps in successful completion of the project. Data collection is either structured or unstructured depending upon the study, Questionnaire method was found to be most effective. The questionnaire was structured and non-disguised. There was also face-toface conversation between the researcher and the respondents; the respondents were

also provided feedback and clarifications behind the questions. This was deemed necessary in order to enable the respondents understand the questions in the same context, as the researcher wanted. This calls for collection of both primary and secondary data. In the present project work, both types of data are collected for achieving the objectives of present research study. PRIMARY DATA These are those that are collected afresh for the first time, and thus happen to be original in nature. Such data are administered by the authorities who themselves are responsible for their collection. Methods used for collecting it are Observation and Questionnaire, Interview and Schedules.

QUESTIONNAIRE: It is a formalized schedule to obtain and record specified and relevant information with tolerable accuracy and completeness. As such it directs the questioning process and promotes clear and proper recording. The questionnaire method has been used for the present study as shown in the annexure. Once the questions have been addressed the next step concerns the type of responses/questions.

SECONDARY DATA

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These are those which have already been collected by someone else and which have been passed through the statistical process. The sources of secondary data used for the present study include Internet, company journals and magazines.

For the purpose of collection of data the copy of questionnaire is given to various People in Rohtak city. Due to time constraint a sample size of 100 is taken.

4) DATA ANALYSIS To make the study meaningful the data collected needs to be edited, encoded and tabulated. This is necessary to arrive at a concrete conclusion. The raw data has no use in research until an appropriate analytical tool is used. This is essential for the study for ensuring that we have all relevant data for making contemplated comparisons and analysis. The various data obtained through the methods specified in the preceding sections have been carefully sections have been carefully edited and classified for further use in presenting the data in an easily understandable manner. Among the tools available for better analysis data tools such as pie charts, bar graphs were used.

REVIEW OF THE LITRETURE

There is a lot study has been done on the motor cycle industry but less work has been done on the topic understudy. Yet the researcher has tried his level best to collect the relevant material for the project work. The similar studies

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had not been done ever and not submitted to the university or its recognized college. The other information for the project report is collected from the Magazines, Internet and Journals.

RESEARCH METHEDOLOGY
The process of developing statement, deciding modes of data collection and the means of analysis of data and the final presentation leading a logical interpretation is known as methodology. In 1st chapter the topic was introduced. In the 2nd chapter the research methodology of the study is given.

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2.1 STATEMENT OF THE PROBLEM

Customers Perception Towards Net Banking A Study In Raipur City.

2.2 PURPOSE OF THE STUDY

To Study Customers Perception Towards Internet Banking In Raipur City.

2.3 OBJECTIVE OF THE STUDY

To find out why customers in Raipur city adopted internet banking.

To find out main purpose of using internet banking by customers in raipur city. To find out customers satisfaction towards internet banking facility.

To find out customers suggestions for improving in internet banking facility.

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To identify where customers in raipur city are taking proper safety precautions while doing internet banking.

2.4 POPULATION Population

is the total area, number of persons or group of person, who are the subject to study. To determine the first step of any research it define the boundaries of research. To achieve the objective of the study, all the customer of different banks of raipur city was selected.

2.5 SAMPLE
A sample is a finite number of units taken for the purpose of the study out of the Universe. The sample is selected for the convenient study. For the optimum sample should be selected sample should represent whole universe. It neither feasible nor desirable to go each and everyone so sampling is done. The sample size is 50, and the sample units are the people of the city.

2.6 DATA COLLECTION TOOL

Data is collected by the questionnaire. It was collected in all the hours of the day, and for the analysis of data PERCENTAGE METHOD has been used.

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CHPTER 3
15

DATA ANALYSIS AND INTERPRETATION

CHAPTER 3 DATA ANALYSIS AND INTERPRETATION

3.1 AGE OF RESPONDENTS

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AGE GROUP Below 25 26 35 36 45 46 55 Above 55 TOTAL

FREQUENCY 16 22 4 8 0 50

PERCENTAGE 32% 44% 8% 16% 0 100%

25 20 15 Series1 10 5 0 Below 25 26 35 36 45 46 55 Above 55

INTERPRETETION:

From the above table it is found that majority of the respondents (44%) falls under the age of 26 35 years followed by (32%) under the age group below 25 years respectively.

3.2 GENDER OF RESPONDENTS

GENDER MALE FEMALE TOTAL FREQUENCY 40 10 50
17

PERCENTAGE 80% 20% 100%

female 20%

MALE FEMALE

male 80%

INTERPRETETION:

From the above table it is found that majority of the respondents (80%)are male and (20%) of respondents are female.

3.3 MARITAL STATUS OF RESPONDENTS

MARITAL STATUS MARRIED UNMARRIED FREQUENCY 16 34
18

PERCENTAGE 32% 68%

TOTAL

50

100%

MARRIED 32% MARRIED UNMARRIED

UNMARRIE 68%

INTERPRETETION:

From the above table it is found that majority of the respondents (68%) are unmarried followed by (32%) respondents are married.

3.4 DUCATION QUALIFICATION OF RESPONDENTS

EDUCATION FREQUNCY QUALIFICATION UNDER 8 GRADUATE GRADUATE 22
19

PERCENTAGE 16% 44%

POST GRADUATE TOTAL

20 50

40% 100%

POST GRADUATE 40%

UNDER GRADUATE 16%

GRADUATE 44%

INTERPRETETION:

From the above table it is found that majority of the respondents (44%) are graduate followed by (40%) are post graduate and remain (16%) are under graduate.

3.5 EMPLLOYMENT STATUS OF THE RESPONDENTS

EMPLOYMENT STATUS EMPLOYED UNEMPLOYED SELF EMPLOYED TOTAL FREQUENCY 28 17 5 50% PERCENTAGE 56% 34% 10% 100%

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SELF EMPLOYED 10%

UNEMPLYOED 34% EMPLOYED 56%

INTERPRETETION:

From the above table it is found that majority of the respondents (56%) are employed followed by (34%) of respondents are unemployed and remain (10%) are selfemployed.

3.6 MOTHLY PERSONAL INCOME OF RESPONDENTS

MOTHLY INCOME Less then 5000 5000 - 10000 10000 - 20000 20000 30000 Above 30000 FREQUENCY 4 7 8 13 27
21

PERCENTAGE 8% 14% 16% 26% 54%

TOTAL

50

100%

LESS THEN 5000 5000-10000 ABOVE 30000

10000 - 20000

20000-30000

INTERPRETETION: From the above table it is found that

majority of the respondents (54%) are having monthly is above 30000 followed by (26%) respondents having monthly income is 20000 30000.

3.7 NUMBER OF DEPENDENTS

NUMBER OF DEPENDEND 1 2 3 More than 3 TOTAL FREQUENCY 11 23 7 9 50 PERCENTACE 22% 46% 14% 18% 100%

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50% 45% 40% 35% 30% 25% 20% 15% 10% 5% 0% 1 22%

46%

18% 14%

More than 3

INTERPRETETION: From the above table it is found that

majority of the respondents (46%) are having 2 dependents in their family followed by (22%) respondents are having only 1 dependent.

3.8 NATURE OF FAMILY OF RESPONDENTS

NATUR OF FAMILY NUCLEAR FAMILY JOINT FAMILY TOTAL FREQUENCY 43 7 50 PERCENTACE 86% 14% 100%

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JOINT FAMILY 14%

NUCLEAR FAMILY 86%

INTERPRETETION: From the above table it is found that

majority of the respondents (86%) are having nuclear family and rest (14%) respondents are having joint family.

3.9 OCCUPATION OF THE RESPONDENTS

OCCUPATION ENTEPRENEUR LAWER DOCTORE ENGG. ACADEMIC GOVT. EMPLOYEE FREQUENCY PERCENTACE -

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OTHER (SPECIFIED) TOTAL

50 50

100% 100%

OTHER SPECIFY 100%

INTERPRETETION: From the above table it is found that

majority of the respondents (100%) are from other specify.

3.10 DO YOU HAVE SAVING ACCOUNT IN BANK

SAVING ACCOUNT YES NO TOTAL FREQUENCY 50 50 PERCETAGE 100% 100%

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ACCOUNT IN BANKK 100%

INTERPRETETION: From the above table it is found that

majority of (100%) respondents having a bank account.

3.11 DO YOU USE THE FOLLOWING FACILITY PROVIDED BY THE BANK

FACILITY PHONE BANKING MOBILE BANKING NET BANKING ELECTRONIC FEQUENCY 1 2 23 1
26

PCENTAGE 2% 4% 46% 2%

FUND TRANSER ATM TOTAL

25 20 15 10 5 0 1 2

23 50

46% 100%

INTERPRETETION: From the above table it is found that

majority of (46%) respondents are using the facility of net banking & ATM followed by (4%) are using mobile banking facility.

3.12 SCINCE HOW LONG YOU ARE USING NET BANKING

TIME LESS THEN 6 MONTH 6 MONTH 1 YEAR 1 3 YEAR MORE THEN 3 YEAR TOTAL FREQUENCY 5 10 20 15 50 PERCENTAGE 10% 20% 40% 30% 100%

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25 20 15 10 5 0 1 2 3 4

INTERPRETETION: From the above table it is found that

majority of (40%) respondents are using internet banking 1 3 years followed by (30%) are using more then 3 years (20%) are using 6month 1 year and (10%) are using net banking less then 6 month.

3.13 FROM WHERE YOU HEARD ABOUT NET BANKING FOR THE 1ST TIME
SOURCES FRIEND RELATIVES NEWS PAPER MAGAZINE LAEFLETS OF THE COMPANY BANK EMPLOYEE INTERNET OUTHER SPCIFY FREQUENCY 20 8 3 2 5 3 5 PERCENTAGE 40% 16% 6% 4% 10% 6% 10% -

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TOTAL
25 20 15

50

100%

Series1 10 5 0 1 2 3 4 5 6 7 8

INTERPRETETION: From the above table it is found that

majority of (40%) respondents are heard about net banking first time from friends followed by (16%) are heard from there relatives.

3.14 HOW DID YOU LEARN TO USE THE NET BANKING

LEARN FROM SELF FRIEND FROM WEBSITE OF THE BANK FROM BANK STAFF OTHER SPECIFY TOTAL FREQUENCY 17 21 5 7 50 PERCENTAGE 34% 42% 10% 14% 100%

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25 20 15 Series1 10 5 0 1 2 3 4 5

INTERPRETETION: From the above table it is found that

majority of (42%) respondents are learn to use net banking from there friends followed by (34%) are learn to use self (14%) are learn from bank staff and (10%) are learn from website of bank.

3.15 REASON DUE TO YOU STARTED THE USING NET BANKING

REASON IT SVES TIME IT IS SAFE AND SECURE I CAN USE IT ANY WHERE I DONT HAVE TIME TO GO TO BANK TOTAL FREQUNCY 21 6 15 8 50 PERCENTAGE 21% 12% 30% 16% 100%

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25 42% 20 15 10 12% 5 0 IT SVES TIME IT IS SAFE I CAN USE IT I DONT AND ANY HAVE TIME SECURE WHERE TO GO TO BANK 30%

16%

INTERPRETETION: From the above table it is found

that majority of (42%) respondents are started to use net banking because it saves time followed by (30%) are started because it saves time (16%) are stared because respondents dont have time to go to the bank and (12%) are stared because it is safe & secure.

3.16 PURPOSE OF USING NET BANKING

PURPPOSE 1 2 3 4 5 6 7 8 9 10 11 TOTAL FREQUENCY 16 7 5 9 10 3 50
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PERCENTAGE 32% 14% 10% 18% 20% 6% 100%

18 16 14 12 10 8 6 4 2 0 1 2 3 4 5 6 7 8 9 10 11

INTERPRETETION: From the above table it is found that

majority of (32%) respondents are using net banking for view account balance followed by (20%) are using for cheque book request (18%) are using for cheque status enquiry.

3.17 SAFETY PRECAUTION FOLLED BY RESPONDENTS

SAFETY PECAUTIONS 1 2 3 4 5 6 7 8 9 10 FREQUENCY 3 8 1 5 12 6 2 13 32

PERCENTAGE 6% 16% 2% 10% 24% 12% 4% 26% -

TOTAL
14 12 10 8 6 4 2 0 1 2 3 4

50

100%

10

INTERPRETETION: From the above table it is found that

majority of (26%) respondents are using safety precautions that they always logout to terminate the session followed by (24%) are never use cyber cafes to access there online account and (16%) are keep there password top secret and change it often.

3.17 ARE YOU SATISFIED WITH YOUR NET BANKING EXPERIENCE SATISFIED YES NO TOTAL FREQUENCY PERCENTAGE 50 100% 50 100%

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60 50 40 30 20 10 0 1 2

INTERPRETETION: From the above table it is found that

majority of (100%) respondents are satisfied with there net banking experience.

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CHAPTER 4 FINDINGS, LIMITSTION, SUGGESTIONS

CHAPTER 4 FINDINGS, LIMITATIONS , SUGGESTION

4.1 FINDINGS

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 It is found that majority of (42%) respondents are adopted net banking because it saves time followed by (30%) are adopted because it saves time (16%) are adopted because respondents dont have time to go to the bank and (12%) are adopted because it is safe & secure. It is found that majority of (32%) respondents main purpose of using net banking for view account balance followed by (20%) are using for cheque book request (18%) are using for cheque status enquiry. It is found that majority of (100%) respondents are satisfied by net banking facility. It is found that majority of (26%) respondents are using safety precautions that they always logout to terminate the session followed by (24%) are never use cyber cafes to access there online account and (16%) are keep there password top secret and change it often.

4.2 LIMITATIONS

Since the sample are taken out of universe was very small the conclusion cannot be generalized for whole Raipur city.

The respondents not willing to answer.

Inadequate and wrong information from respondents.

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4.3 SUGGESATIONS

Net banking site should be made more interactive . Net banking should be made user friendly

Net banking site should be made more safe for transaction.

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BIBLIOGRAPHY

BIBLIOGRAPHY

Kothari, C.K. Research Methodology New Age International Publisher 3rd Addition , New Delhi, 2004 P.P. 4 23.

www.google.com
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FINDINGS OF THE STUDY

Each project study has some findings. The various findings of the study are as follows: Most of the persons now preferring the motorcycles rather than scooter, moped or other two wheelers. Most of the persons prefer the various models of motorcycles of the company HERO HONDA, BAJAJ and TVS. Almost all the companies are providing the spare parts of their motorcycles at their service stations. Most of the people are purchasing their Bikes via cash rather then Loan or finance. HERO HONDA is considered to be the best company with respect to the fuel efficiency of the motorcycle. TVS is considered to be the best company which has the low price of its motorcycles in the Indian market. ENFIELD and YAMAHA are the best companies with respect to the speed of the motorcycles. BAJAJ, TVS and SUZUKI have great competition with respect to the looks of the motorcycle. TELEVISION and TRADESHOWS are the best source of advertisements of the various motorcycles.

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 Most of young generation people prefer the sports bikes rather than the general bikes which are available in the market. YAMAHA ENTICER, ROYAL ENFIELD, SUZUKI HAYABUSA, HERO HONDA KARIZMA, BAJAJ PULSAR are the dreams bikes of the young generation in India. HERO HONDA, BAJAJ and TVS have a lot of competition in the Indian motorcycle industry. HERO HONDA is considered as best in all respects in the Indian motorcycle industry but BAJAJ, TVS, ENFIELD and YAMAHA are not far behind.

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CONCLUSION
Indian two-wheeler market is facing a tremendous growth as well as competition. The market has had a perceptible shift from a buyers market to a sellers market with a variety of choices. Players will have to compete on various fronts viz pricing, technology, product design, productivity, after sale service, marketing and distribution. In the short term, market shares of individual manufacturers are going to be sensitive to capacity, product acceptance, pricing and competitive pressures from other manufacturers.

All the three segments, motorcycles, scooters and mopeds have witnessed capacities additions in the last one year and it will continue in the upcoming period as and when Honda opens a local subsidiary. Over this period, only the motorcycle segment is expected witness higher demand vis--vis supply, while the scooters and mopeds supply will outstrip demand.

As incomes grow and people feel the need to own a private means of transport, sales of two-wheelers will rise. Penetration is expected to increase to approximately to more than 28% by 2006.

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The motorcycle segment will continue to lead the demand for two-wheelers in the coming years. Motorcycle sales are expected to increase by 25%yoy as compared to 5% growth in the scooter market and 8% by moped sales respectively for the next two-years.

The four-stroke scooters will add new dimension to the two-wheeler segment in the coming future. Perhaps, the moped segment will be the worst affected due to Y2K emission norms applicable from April 2000 as not many of the present models confirm to the norms.

The three-wheeler segment will witness 25% yoy growth for the next two years. In spite of entry of Piaggio, Italy into the three-wheeler segment in the country, Bajaj Auto will continue to dominate the segment. In this segment, we would see players shifting from diesel to cleaner fuels like CNG in line with norms set out by various state governments.

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SUGGESTION AND RECOMMENDATIONS

To increase the sales figures of motorcycles, it is necessary to understand the consumers attitude and perception and therefore some suggestion and recommendation are given below:

First of all the company should understand the consumers attitude and market demand through surveys and questionnaire before launching new models or updating old models. The company should determine the factors influencing the buying behavior of the customer. Every company should launch at least a new model every year so in the competition, one must to be spontaneous. The mileage of the bike should be increased as rate of patrol is increasing day by day. People want to buy more powerful bikes but with their low mileage capacity they prefer middle segment bikes, which provide both power and fuel efficiency.

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 The models liked by the customers should be launched with new and attractive features. Company must launch new models only after analyzing the need of the customers. Old models can be re-launched with new names and new features. The price should be in the reach of the customers. The headlight used in the motorbikes should be bright and impressive so as to provide better visibility. It should have solid body and flexible solid front brakes and less maintenance cost. The motorcycles of diesel can be launched; in this case silencer of good quality can be used.

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BIBLIOGRAPHY

BOOKS: Kotler Philip, Marketing Management, Prentice Hall, New Jersey, 1987. Memoria C.B. & Joshi, Principles and Practice of Marketing in India, Kitab Mahal, New Delhi, 1997. Kothari C.R., Research Methodology, Wishwa Prakashan, New Delhi, 2000.

MAGZINES: Business Today India Today Business World Auto India

WEBSITES:www.google.com

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APPENDIX
46

QUESTIONNAIRE
Respected Sir/Madam, I am conducting a survey entitled Customer Perception Towards Internet Banking A Study In Raipur City. I need your help in conducting this study. Kindly provide me your valuable opinion to fill this questionnaire. Your information will be kept confidential and will be exclusively used for academic purpose. Nandan Kulkarni M.B.A. 2nd Sem. Institute of Management Pt. R.S.U. Raipur (C.G.)

PART-1
1. Demographic Information a. Nameb. Addressc. Phone no.d. Age group below 25 26-35 36-45 46-55 above 55 e. Sex male female f. Marital status- married unmarried g. Educational Qualification- under graduate graduate post graduate h. Employment status- employed unemployed self-employed i. Monthly personal income- less than Rs.5000 5000>=10000 10000>=20000 20000>= 30000 above 30000

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j. Number of dependents- 1 2 3 >3 k. Nature of family- nuclear family joint family

l. Occupation- [ ] Entrepreneur [ ] Lawyer [ ] Doctor [ ] Egg. [ ] Academic [ ] Govt. employee [ ] others (specify)

PART 2
2. (a) Do you have saving account in a bank? Yes { } No { } (b) Please mention the name of the bank 3. Do you use following facilities provided by your bank? Yes No Phone banking { } { } Mobile banking { } { } Net banking { } { } Electronic fund transfer { } { } ATM { } { } 4. Since how long you are using Net Banking facility? { } Less then 6 month { } 6 month 1 year { } 1 3 year { } more then 3 year 5. From where you heard about NET BANKING for the first time? { } Friend { } Relatives { } News paper { } Magazine { } Leaflets of bank { } Bank employee { } Internet { } other specify . 6. How did you learn to use the NET BANKING? { } Self { } Friend { } From website of bank { } from bank staff { } Other specify . 7. Please mention the reason due to which you started using NET BANKING? { } Because it saves time. { } Because it is safe & secure. { } Because I can use it any where. { } Because I dont have time to go to the bank. 8. For which purpose you do net banking? { } View account balance. { } Download account statement. { } Transfer fund to other bank accounts. { } Book fixed deposits. { } Pay utility bill. { } Cheque status enquiry. { } Request stop payment of cheque. { } Cheque book request. { } Tax deduction at source enquiry. { } Request for demand draft. { } Buy/Sell mutual fund. 9. Please tick against the safety precaution you follow? { } I never respond to email that request personal information.

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{ } Keep my password top secret & change it often. { } Use special character like #, $, @ etc. in password. { } Do not use same password for other online account. { } Never use cyber cafes to access my online account. { } I have installed antivirus software to keep my computer secure. { } Ensure that site is running in secure mode. { } Disable auto complete function to prevent internet browser for remembering password. { } Always logout to terminate the session. { } Incase of suspicion, report the matter to customer care. 10.(a) Are you satisfied with your internet banking experience? { } Yes { } No (b) If no, state reason ... 12. Please give suggestion for improvement in internet banking facility provided by different banks. Date : Signature

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