International Research journal of Management Sociology & Humanities
( ISSN 2277 - 9809 (online) ISSN 2348 - 9359 (Print) ) New DOI : 10.32804/IRJMSH
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IMPACT OF INFORMATION TECHNOLOGY ON BANKING
1 Author(s): BHARATKUMAR D. PRAJAPATI
Vol - 4, Issue- 3 , Page(s) : 858 - 862 (2013 ) DOI : https://doi.org/10.32804/IRJMSH
In past one and a half decade, banks in India have invested heavily the technology such as telebanking, mobile banking, net banking, automated teller machines (ATMs), credit cards, debit cards, smart cards, customer relationship management (CRM) software, electronic payment systems and data warehousing and data mining solutions, to bring improvements in; quality of customer services, scale and specialization in products, alternative sources of income particularly from fee-based services, geographical reach through communication networks and electronic delivery channels, risk management practices, housekeeping, internal control systems and regulatory compliance, cost efficiencies and scale economies.