Page 42 - ICDEBI2018

International Journal of Trend in Scientific Research and Development (IJTSRD) ISSN: 2456-6470 | IF: 4.101

1.3 Review of literature The study is descriptive in nature and has used the
1. G Shainesh and Avijit Choudhary in their article ‘fact-finding’ survey method
study the role of technological changes and
advancements in the form of automated teller 1.8.2 Sources of data
machines, internet banking, tele-banking, mobile Primary data has been collected from 60 bank officers
banking, internet banking, etc Invalid source (30 from Pr SBs and 30 from PSBs, based in
specified.. They conclude that reaching the Bangalore (Rural and Urban) districts
customers through various channels contribute a
lot to meet the competitive challenges. Secondary data has been collected from reputed
banking journals, finance journals, magazines and
2. China and India boast of the highest percentages
(55-60 per cent) of Gen Y and tech-savvy newspapers, in hard and soft versions.
customers that use financial services from non-
traditional firms (The Hindu Business Line, 2017). 1.8.3 Sampling plan
The governments of the two countries continue to Pr SB officers: Given the limited number of Pr SBs
prioritise digital initiatives. Hence, the tech-savvy operating in the vicinity where the researcher lives
individuals will become more relevant. and the time constraint, purposive or judgement
sampling under the non-probability method has been
3. Affordable, small but powerful computers and employed. Applying a minimum business experience
other hand-held gadgets and higher Internet of five years as the criterion, the researcher selected
bandwidth gradually facilitated easy access to 30 such officers.
banking products and effortless banking
transactions (The Banking & Finance Post, 2017). PSB officers: Given the limited number of PSBs
The rise of call centres and phone banking operating in the vicinity where the researcher lives
services added to customer comfort. A major and the time constraint, purposive or judgement
change in banking practices was facilitated by sampling under the non-probability method has been
directing banking transactions through different employed. Applying a minimum business experience
electronic channels and by helping customers of five years as the criterion, the researcher selected
access their bank accounts directly. 30 such officers.

1.4 Research gap The criteria applied is the most appropriate one for the
The reviewed literature has not dealt with the review present study. What is important is the typicality and
exercise undertaken by the banks, upon digitalisation. the relevance of the sampling units to the study and
It is this gap the present study proposes to bridge. not their overall representativeness to the population.
Thus, it guarantees inclusion of the relevant elements
1.5 Scope of the present study in the sample. Probability sampling plans cannot give
The study confines itself to 60 bank officers (30 from such a guarantee.
Pr SBs and 30 from PSBs), based in Bangalore (Rural
and Urban) districts 1.8.4 Data collection instruments
Interview schedules, specially designed for the
1.6 Objectives of the study purpose, were administered to the respondents for
The objective of the study is to analyse the collection of primary data.
implications of the digitalisation exercise for banks
and their customers 1.8.5 Data processing and analysis plan
Non-parametric statistical units were used to test the
1.7 Hypothesis proposed to be tested association between qualitative characters and
The study proposes to test the following hypotheses: conclusions were drawn on the basis of formation of
“Banks have been more receptive to complaint sand Ho and H1.
closure of transactions, post digitalisation”
1.8.6 Limitations of the study
1.8 Research design Primary data has sometimes been deduced through
1.8.1 Research methodology constant topic-oriented discussions with the

@ IJTSRD | Available Online @ www.ijtsrd.com | Conference Issue: ICDEBI-2018 | Oct 2018 Page: 34