INDIAN MOBILE BANKING IN POST COVID-19: AN ANALYTICAL STUDY AND GRATIFICATION FROM THE ASPECT OF KANO MODEL

The purpose of the present research paper is to understand questions related M-banking. It time call take up Virtual Banking (VB) with Zero Contact (ZCB) as a preventive measure COVID-19. study also admits comparative analysis on gratification M-banking users considering factors/attributes Kano Model. researcher has undertaken Integrative Approach (IA) for both, literature reviewed and survey so far observed. Both primary data through well-structured questionnaires from 900 SBI, HDFC, Citi Bank (300 each) secondary published sources have been cantered cited syntactic gap. followed Stratified Random Sampling sample banks date establishment, volume value transactions, number employees, Convenient users, make representative. objectives were studied thoroughly hypotheses tested in SPSS. used Kolmogorov-Smirnov (D-Statistic) Shapiro-Wilk test (W-Statistic) normality, Cronbachs’ Alpha Data Reliability, Descriptive Statistics i.e. frequency per cent count describe Chi-square significant associations differences if any. drawn an epilogue purely basis collection analysis. conducted Pearson’s Product Movement Correlation, suggest correlation Y-intercept Model show association between transactions suggested model fit regression equation. This gives unique insight into KANO model.