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CUSTOMERS PERCEPTION ON CASHLESS BANKING : (With relation to public sector bank) A case study with Reference to Mangalore City.


Mrs. Bhavya, Dr. C. K. Hebbar
Lecturer , University College
Abstract
There is a revolution taking place in the field of financial system, cashless transaction is become the advantage dealing with the payment without any problem. The amount of money in the economy at any instant is guided by the market forces of demand and supply and the central authority which is in charge takes the initiative to regulate the flow of cash in the economy. When the nation is taking step towards a cashless economy, it can boost economic growth Cash transaction had become popular mainly because of its advantages like easy to carry, no transaction fees, less hassle, immediate access etc. It also carried disadvantage like theft, expensive to print, not track able in nature. Going cashless eases, one’s life. It helps to curb corruption and the flow of black money the expenditure incurred on printing, transport can also be reduced. In nation like India cash less system should be widespread. We need to avoid the technological gap and proper education should be given. The government have already taken the initiative where we are moving towards cashless system which is the sign of development. The government can also track the culprit through which burglary and assault can be dropped. There can be social welfare. The government, however has to take measures to reduce the online scam and identify the thefts. Covid impact: In addition to this due to the pandemic we see that going cashless has advantage. With physical currency the chance of spreading germs can be more. Reducing the use of physical cash is the only means to reduce it. Fears are emerging that bank notes carry the coronavirus. WHO also provides timely information on the spread and the progress of the virus. As money changes hands frequently it can pick up all sorts of bacteria and virus. That is why it is a good idea to use contactless payments .The paper defines the use of cashless system.
Keywords: online scam, Covid, WHO, virus
Journal Name :
EPRA International Journal of Research & Development (IJRD)

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Published on : 2021-07-28

Vol : 6
Issue : 7
Month : July
Year : 2021
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