A Study on Customer Attitude towards Mobile Banking with Special Reference to Erode District

Mobile banking plays major roles in the ongoing scenario, based on the up gradation of the technology customer of the banks have started using the banking services through the use of mobile phones. Know-adays mobile phones have become the basic need of every one which helps the consumers to make various kinds of activities. The activities that are done with the help of mobile banking are online transfer of money, ticket reservation, transfer of funds, etc,. Consumers attitude towards mobile banking service is base on the expectation of the consumers like communication has to be properly informed, the transaction process ha s to be with limited duration, need for interaction, ease to use, etc. Customer attitude has been varying frequently based the changes in technology in banking system. Banking service of consumers has been effective with the help of mobile phones. Mobile Banking has been efficiently use by the customers in order to save their time, money and effort. The sampling size of the research is 200.The statistical tools used in the research are percentage analysis, chi-square, Anova. The main aim of the study is to find customer attitude towards mobile baking and their change of behavior with mobile banking services.


INTRODUCTION
Banking in India has been originated in the last decay of 18th century. The first banks are The General Bank of India, which was started in the year 1786 and Bank of Hindustan which was started in the year of 1790. The oldest bank of India was the State Bank of India which was started in the year 1806.
Mobile banking has changed the traditional way of banking system that allows customers to do the banking services like making deposits, withdraw, send, receive and transfer funds from the mobile account with the help of mobile device. Mobile banking offers various types of information for the customers like Nowadays consumers of banking has changed their attitude, that they don't want to stand in the bank queues ,no need of PC and laptop with the internet connection just with the help of mobile phone all the activities are done with mobile banking system. Mobile banking has been effectively used by all consumers because they don't want wait for others, they can transfer their amount at any time, they can carry mobiles any without any trouble.
Technology has been perfectly used by the banking system, where updations of all the activities have been implemented in banking system. Mobile Banking has helped the banks to improve the quality of services to the customers and it has created the customer relationship management. Through Mobile banking the banks can easily contact the group of customer who are more valuable to the banks. Communication of the banks with the customers helps the bank to sell the financial products.

Key features of mobile banking are
Check the account balances and various information of our account Customers can view their last 30 days transaction from their history Transfer of funds from accounts Balance availability View the Payment of interest by the banks of various types of accounts Processing of cheque details BPAY payments Purchases that are made with credit card etc.

IMPORTANCE AND NEED OF THE STUDY:
Mobile banking makes the change in the traditional processing of the Bank works. Customers of the bank moved according to the technology because of their busy schedule of their work. During non-availability of the banking service in holidays they are moving towards the internet services or other outlets to transfer the amount for their purpose, Where the mobile banking helps them to transfer and do all the activities in the same place without moving anywhere.
Based on the attitude of the customer there is a change in the behavior banking process with the help of mobile banking which is more comfortable. Banks that are started to develop their activities with the help of mobile banking which is effectively used by the customers.

OBJECTIVES OF THE STUDY
Primary objective:  To analyze the factors influencing the customer attitude towards Mobile Banking in Erode District. Secondary objective:  To determine the customer mobile banking behavior.  To determine the customer expected services in banks.  To analyze the effectiveness of advertisement and promotional activities.  To observe the overall customer satisfaction on mobile banking.

STATEMENT OF THE PROBLEM
Banks that is proving the various services for the customer's in order to retain them, based on that the expectation of the customer has to be found by the banks to make their services better. The attitude of the customers is varying form period to period based on the up gradation of the technology. Mobile Banking that helps the customer to make all the activities of the customer to easily done with in a fraction of a second without waiting for anyone, at the same time the banks have to be dynamic in their technology to satisfy the customers.

RESEARCH METHODOLOGY
It is the science which dealing with principles of procedure in research and study. A detailed survey of customers was carried out to find out their preferences towards Srinivasa Corporation the details of the methodology are stated below.

RESEARCH DESIGN
Research design is the arrangement of conditions for collection and analysis of data in a manner that aims to combine relevance to the research purpose with economy in procedure.

DESCRIPTIVE RESEARCH DESIGN
This study aims at describing the nature of respondent's attitude towards Mobile Banking in Erode district. Therefore, this research is can be called as descriptive research. Descriptive research includes surveys and fact finding enquires of different kinds.
International Journal of Trend in Scientific Research and Development (IJTSRD) ISSN: 2456-6470 The major purpose of descriptive research is description of the state of affairs as it exists at present.

DATA COLLECTION
There are two types of data collections.
 Primary data collection  Secondary data collection

Primary data
Primary data is first had information it was collected from the respondent by using a structural questionnaire. The researcher has got the primary data through survey method.

Secondary data
The secondary data was collected through the secondary sources like company records, company websites, magazine, and Newspaper.

SAMPLING METHOD
Simple Random sampling refers to the collection of information from members of the population who are available to provide it. Random sampling is a probability method.

Sample Unit
Total sample unit is 150

PERCENTAGE ANALYSIS
Percentage analysis is the method to represent raw streams of data as a percentage (a part in 100percent) for better understanding of collected data. Overseas Bank and what are the drivers that drive consumers. He found that still the users face many problems right from the telecom operator to banks, the handset to software application support for using services.

Amola bhatt, S. B. (2016) in his article"Factors Affecting Customer's Adoption of Mobile Banking
Services. Journal of Internet Banking and Commerce" he says demographic, attitudinal, and behavioural characteristics of mobile bank users were examined. The infrastructural facility of updated user friendly technology and its availability was found to be the most important factor that motivated consumers' attitudes. This study identified two additional factors i.e. infrastructural facility and customer service relevant to mobile banking that were absent in previous researches.    Found that the 50.7 percent of the respondents are income group of 100000 to 300000, 25.3 percent of the respondents are income group of below 100000, 24 percent of the respondents are income group of above 300000. It is found that the majority of the respondents are income group of 100000 to 300000.

NULL HYPOTHESIS (H0)
There is no significant difference between Educational qualification and Prefer Mobile Banking

ALTERNATIVE HYPOTHESIS (H1)
There is a significant difference between Educational qualification and Prefer Mobile Banking.

INFERENCE
Since the 'p' value is less than 0.05, the null hypothesis is rejected. So, there is a significant difference between Educational qualification and Prefer Mobile Banking.

CONCLUSION
Mobile Banking has become one of the important factor that has been effectively used by the consumer, based this the updations of Banks has to be done to retain and satisfy the customers. Mobile Banking updates the knowledge of the behavioral intention to adopt mobile with the usage for transfer of amount, funds, credit, debit, etc. Besides that, the findings of this study that will provide the knowledge of behaviour towards the mobile banking. Banks has to create certain programs to the customers regarding the dynamic change in the mobile banking process, which will make the customer to be satisfied with the service of banks.