CUSTOMER PERCEPTION AND SATISFACTION IN THE DIGITAL ERA: EVALUATING THE ROLE OF E-BANKING SERVICES


Dr. G. Shashidhar Rao, Garrepally Rohith
1. Retired Principal Govt. CKM Arts & Science College, Warangal, TS., 2. Senior Research fellow, Kakatiya University, Warangal, TS.
Abstract
Customer perception and happiness are critical to attaining sustainable growth and profitability in the fiercely competitive banking industry. Banks increasingly focus on building long-term customer relationships to enhance loyalty, reduce price sensitivity, and strengthen their market position. In this context, instead of completely replacing traditional branch-based services, electronic banking services have become an essential part of contemporary banking. The current study intends to investigate consumers' opinions of the e-banking services provided by banks and gauge their degree of satisfaction with technology-enabled banking self-services. The study is based on primary data that was gathered through a structured survey procedure from 100 respondents. Customer satisfaction across a range of e-banking service parameters was assessed using ranking algorithms. The findings highlight that customer expectations regarding e-banking services are significantly high due to rapid technological advancements and intense competition among banks with relatively similar service offerings. Customer satisfaction is therefore identified as a key determinant of continued usage, positive word-of-mouth, and customer retention. The study underscores the importance for banks to prioritize customer-centric digital strategies to enhance satisfaction and strengthen competitive advantage in the evolving Indian banking landscape.
Keywords: E-Banking Services, Customer Perception, Customer Satisfaction, Digital Banking and Banking Technology.
Journal Name :
EPRA International Journal of Environmental Economics, Commerce and Educational Management

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Published on : 2026-02-01

Vol : 13
Issue : 1
Month : January
Year : 2026
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