A STUDY ON THE IMPACT OF E- BANKING ON CONSUMER BEHAVIOUR WITH REFERENCE TO SELECTED PUBLIC AND PRIVATE SECTORS BANKS IN MADHYA PRADESH


Ms. Neelopher, Dr. Vijay Kumar Jain
1. Research Scholar, Faculty of Management, Barkatullah University, Bhopal, 2. Director, Vidyasagar Institute of Management, Bhopal , Madhya Pradesh
Abstract
The rapid growth of digital technology has revolutionized the Indian banking sector, with e-banking emerging as a key driver of service efficiency and customer convenience. This study examines the impact of e-banking on consumer behaviour with reference to selected public and private sector banks in Madhya Pradesh. The research focuses on understanding the extent of adoption and usage of e-banking services, as well as analyzing their influence on consumer behaviour in terms of convenience, transaction frequency, satisfaction, and banking preferences. A quantitative research approach was adopted, and primary data were collected through a structured questionnaire from bank customers using e-banking services. Statistical tools such as correlation and regression analysis were employed to test the hypotheses. The findings reveal that factors such as security, ease of use, accessibility, and trust significantly influence consumer behaviour towards e-banking, while challenges related to technical issues and security concerns negatively affect behavioural intention. The study concludes that effective implementation of e-banking services enhances consumer satisfaction and positively shapes banking behaviour, offering valuable insights for banks to improve digital service delivery and customer engagement.
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Journal Name :
International Journal of Asian Economic Light (JAEL)

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Published on : 2026-02-22

Vol : 14
Issue : 2
Month : February
Year : 2026
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