The Empirical Study on the Risk Perception by Users in Personal Banking Sector

نویسنده

  • Sakshi Gupta
چکیده

Business process reengineering has made revolutionary changes in the personal banking sector. It is the Technological Innovations that improved the service quality, responsiveness and business efficiency. This study focuses on different user profiles (Earning/Non Earning), their perception of risk and confidence in technological innovations in personal banking sector. Required data were collected through survey (online & offline) of 150 customers. All the users were qualified (i.e. graduate and above) which includes students, employees, teachers, bank and corporate employees of various age groups (>=18). Different parameters were used for analyzing risk perception, confidence in technology and also identified most frequently used technology among ATM, internet banking and mobile banking. Applying Chi2 test using Minitab lead to the preliminary results which showed that  No difference in perception of risk in forging password , excess payment in credit card monthly bill statement and failing online transactions for earning/non earning users  Difference in perception of risk in sharing details in online Shopping, changing terms and conditions, mobile banking and paying utility bills for earning/non earning users

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تاریخ انتشار 2014