3.

DATA ANALYSIS
3.1 EXPLORATORY DATA
Gender

Gender

Female 44%

Male Male 56% Female

Fig 3.1

We will find various factors which will affects the customer decisions of going to a branch among male and female .Our data is dominated by the male respondents. We have taken 100 respondents out of which 56 are males and 44 are females i.e. more than 50% males.

Gender Male Female Total

Values 56 44 100

Percentage 56 44 100

Table 3.1

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Age

50 and above 2%

Age(In Years)

less than 20 0%

30-50 21% less than 20 20-30 30-50 50 and above 20-30 77%

Fig 3.2

The various age categories which we have taken for this data is defined in the chart above. Most of our respondents are from age 20-3 year category and the least number of respondents are less than 20. Overall we have almost all category of respondents in our research.

Age Less than 20 20-30 30-50 50 and above Total

Values 0 77 21 2 100

Percentage 0 77 21 2 100

Table 3.2

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Occupation
Self Employe 0% Homemaker 1% Retired 1%

Occupation

Student Student 45% Salaried Employee Homemaker Self Employe Retired

Salaried Employee 53%

Fig 3.3

The Occupation of a person effects a lot in case of decision making of a person when taking a decision of whether to adopt personal banking or online banking decision. Most of the people were salaried employees .There are also students who account for almost 45% and the homemaker, self employed and retired persons contributing very less.
Occupation Student Salaried Employee Homemaker Self Employed Retired Total Values 40 48 1 0 1 100 Percentage 40 48 1 0 1 100

Table 3.3.

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3.2 CHI - SQUARE DISTRIBUTION

In probability theory and statistics, the chi-square Distribution , with k degrees of freedom is the distribution of a sum of the squares of k independent standard normal random variables. It is one of the most widely used probability distributions in inferential statistics, e.g., in hypothesis or in construction of confidence intervals. When there is a need to contrast it with the non central chi-squared distribution, this distribution is sometimes called the central chi-squared distribution. The chi-squared distribution is used in the common chi-squared tests for goodness of fit of an observed distribution to a theoretical one, the independence of two criteria of classification of qualitative data, and in confidence interval estimation for a population standard deviation of a normal distribution from a sample standard deviation. Many other statistical tests also use this distribution, like Friedman's analysis of variance by ranks.

3.2.1 CHI-SQUARE TEST

A chi-squared test, also referred to as chi-square test or test, is any statistical hypothesis test in which the sampling distribution of the test statistic is a chisquared distribution when the null hypothesis is true, or any in which this is asymptotically true, meaning that the sampling distribution (if the null hypothesis is true) can be made to approximate a chi-squared distribution as closely as desired by making the sample size large enough. H1a.Gender of the person affects the frequency of opting Online Banking for comfort .
Recode_comfort_Ob * Gender Cross tabulation Count Gender 1 1.00 Recode_comfort_Ob 2.00 3.00 Total 2 35 19 56 2 0 16 28 44 2 51 47 100 Total

Chi-Square Tests Value df Asymp. Sig. (2sided) Pearson Chi-Square Likelihood Ratio N of Valid Cases 9.499
a

2 2

.009 .006

10.315 100

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a. 2 cells (33.3%) have expected count less than 5. The minimum expected count is .88.

The significant value is .009 at 2 degree of freedom with confidence of 33.33%, is less than .05, hence the hypothesis is accepted. Thus this signifies there is a relationship between Gender and Comfort of Online Banking. This implies Gender of the person affects the frequency of opting for comfort online banking.

H1b.Gender of the person affects the Frequency of opting Online Banking for efficiency.

Recode_efficiency_OB * Gender Crosstabulation Count Gender 1 1.00 Recode_efficiency_OB 2.00 3.00 Total 3 35 18 56 2 2 24 18 44 5 59 36 100 Total

Chi-Square Tests Value df Asymp. Sig. (2sided) Pearson Chi-Square Likelihood Ratio N of Valid Cases .823 .821 100
a

2 2

.663 .663

a. 2 cells (33.3%) have expected count less than 5. The minimum expected count is 2.20.

The significant value is .663 at 2 degree of freedom with confidence of 33.3%, is greater than .05, hence the hypothesis is rejected. Thus this signifies there is no relationship between Gender & efficiency of online banking. This implies that Gender of the person does not affect the Frequency of opting online banking for efficiency.
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H1c.Gender of the person affects the Frequency of opting Online banking for security.

Recode_Security_OB * Gender Crosstabulation Count Gender 1 1.00 Recode_Security_OB 2.00 3.00 Total 3 35 18 56 2 2 24 18 44 5 59 36 100 Total

Chi-Square Tests Value df Asymp. Sig. (2sided) Pearson Chi-Square Likelihood Ratio N of Valid Cases .823 .821 100
a

2 2

.663 .663

a. 2 cells (33.3%) have expected count less than 5. The minimum expected count is 2.20.

The significant value is .663 at 2 degree of freedom with confidence of 33.3%, is greater than .05, hence the hypothesis is rejected. Thus this signifies there is no relationship between Gender & security of online banking. This implies that Gender of the person does not affect the Frequency of opting online banking for security.

H1d.Gender of the person affects the Frequency of opting Personal Banking for accessibility.
Recode_Accessibility_PB * Gender Crosstabulation Count Gender 1 1.00 Recode_Accessibility_PB 2.00 3.00 Total 1 41 14 56 2 6 15 23 44 7 56 37 100 Total

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Chi-Square Tests Value df Asymp. Sig. (2sided) Pearson Chi-Square Likelihood Ratio N of Valid Cases 16.632 17.278 100
a

2 2

.000 .000

a. 2 cells (33.3%) have expected count less than 5. The minimum expected count is 3.08.

The significant value is .000 at 2 degree of freedom with confidence of 33.3%, is less than .05, hence the hypothesis is accepted. Thus this signifies there is relationship between Gender & accessibility of personal banking. This implies that Gender of the person affects the Frequency of opting Personal Banking for accessibility.

H1e.Gender of the person affects the Frequency of opting Personal Banking for efficiency.

Recode_Efficiency_PB * Gender Crosstabulation Count Gender 1 1.00 Recode_Efficiency_PB 2.00 3.00 Total 2 42 12 56 2 1 20 23 44 3 62 35 100 Total

Chi-Square Tests Value df Asymp. Sig. (2sided) Pearson Chi-Square Likelihood Ratio N of Valid Cases 10.305 10.392 100
a

2 2

.006 .006

a. 2 cells (33.3%) have expected count less than 5. The minimum expected count is 1.32.

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The significant value is .006 at 2 degree of freedom with confidence of 33.3%, is less than .05, hence the hypothesis is accepted. Thus this signifies there is relationship between Gender & efficiency of personal banking. This implies that Gender of the person affects the Frequency of opting Personal Banking for efficiency.

H1f.Gender of the person affects the Frequency of opting Personal Banking for comfort.

Recode_Comfort_PB * Gender Crosstabulation Count Gender 1 1.00 Recode_Comfort_PB 2.00 3.00 Total 3 46 7 56 2 0 22 22 44 3 68 29 100 Total

Chi-Square Tests Value df Asymp. Sig. (2sided) Pearson Chi-Square Likelihood Ratio N of Valid Cases 18.049 19.519 100
a

2 2

.000 .000

a. 2 cells (33.3%) have expected count less than 5. The minimum expected count is 1.32.

The significant value is .000 at 2 degree of freedom with confidence of 33.3%, is less than .05, hence the hypothesis is accepted. Thus this signifies there is relationship between Gender & comfort of personal banking. This implies that Gender of the person affects the Frequency of opting Personal Banking for comfort.

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H2a.Age of the person affects the frequency of opting Online banking for comfort.

Recode_comfort_Ob * Age Crosstabulation Count Age 2 1.00 Recode_comfort_Ob 2.00 3.00 Total 1 38 38 77 3 1 13 7 21 4 0 0 2 2 2 51 47 100 Total

Chi-Square Tests Value df Asymp. Sig. (2sided) Pearson Chi-Square Likelihood Ratio N of Valid Cases 4.701 5.330 100
a

4 4

.319 .255

a. 5 cells (55.6%) have expected count less than 5. The minimum expected count is .04.

The significant value is .319 at 4 degree of freedom with confidence of 55.6%, is greater than .05, hence the hypothesis is rejected. Thus this signifies there is no relationship between Age and Comfort of Online Banking. This implies Age of the person does not affect the frequency of opting for comfort online banking.

H2b.Age of the person affects the Frequency of opting Online Banking for efficiency.

Recode_efficiency_OB * Age Crosstabulation Count Age 2 1.00 Recode_efficiency_OB 2.00 3.00 Total 3 43 31 77 3 2 16 3 21 4 0 0 2 2 5 59 36 100 Total

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Chi-Square Tests Value df Asymp. Sig. (2sided) Pearson Chi-Square Likelihood Ratio N of Valid Cases 8.923
a

4 4

.063 .040

10.010 100

a. 5 cells (55.6%) have expected count less than 5. The minimum expected count is .10.

The significant value is .063 at 4 degree of freedom with confidence of 55.6%, is greater than .05, hence the hypothesis is rejected. Thus this signifies there is no relationship between Age & efficiency of online banking. This implies that age of the person does not affect the Frequency of opting online banking for efficiency.

H2c. Age of the person affects the Frequency of opting Online Banking for security.

Recode_Security_OB * Age Crosstabulation Count Age 2 1.00 Recode_Security_OB 2.00 3.00 Total 3 43 31 77 3 2 16 3 21 4 0 0 2 2 5 59 36 100 Total

Chi-Square Tests Value df Asymp. Sig. (2sided) Pearson Chi-Square Likelihood Ratio N of Valid Cases 8.923
a

4 4

.063 .040

10.010 100

a. 5 cells (55.6%) have expected count less than 5. The minimum expected count is .10.

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The significant value is .063 at 4 degree of freedom with confidence of 55.6%, is greater than .05, hence the hypothesis is rejected. Thus this signifies there is no relationship between Age & security of online banking. This implies that age of the person does not affect the Frequency of opting online banking for security.

H2d. Age of the person affects the Frequency of opting Personal Banking for accessibility.

Recode_Accessibility_PB * Age Crosstabulation Count Age 2 1.00 Recode_Accessibility_PB 2.00 3.00 Total 6 46 25 77 3 1 9 11 21 4 0 1 1 2 7 56 37 100 Total

Chi-Square Tests Value df Asymp. Sig. (2sided) Pearson Chi-Square Likelihood Ratio N of Valid Cases 3.074 3.139 100
a

4 4

.546 .535

a. 4 cells (44.4%) have expected count less than 5. The minimum expected count is .14.

The significant value is .546 at 4 degree of freedom with confidence of 44.4%, is greater than .05, hence the hypothesis is rejected. Thus this signifies there is no relationship between Age & accessibility of online banking. This implies that age of the person does not affect the Frequency of opting online banking for accessibility.

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H2e. Age of the person affects the Frequency of opting Personal Banking for efficiency.

Recode_Efficiency_PB * Age Crosstabulation Count Age 2 1.00 Recode_Efficiency_PB 2.00 3.00 Total 2 54 21 77 3 1 7 13 21 4 0 1 1 2 3 62 35 100 Total

Chi-Square Tests Value df Asymp. Sig. (2sided) Pearson Chi-Square Likelihood Ratio N of Valid Cases 9.755 9.599 100
a

4 4

.045 .048

a. 5 cells (55.6%) have expected count less than 5. The minimum expected count is .06.

The significant value is .045 at 4 degree of freedom with confidence of 55.6%, is less than .05, hence the hypothesis is accepted. Thus this signifies there is relationship between Age & efficiency of personal banking. This implies that age of the person affects the Frequency of opting Personal Banking for efficiency.

H2f. Age of the person affects the Frequency of opting Personal Banking for comfort.

Recode_Comfort_PB * Age Crosstabulation Count Age 2 1.00 Recode_Comfort_PB 2.00 3.00 Total 3 56 18 77 3 0 10 11 21 4 0 2 0 2 3 68 29 100 Total

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Chi-Square Tests Value df Asymp. Sig. (2sided) Pearson Chi-Square Likelihood Ratio N of Valid Cases 8.111 8.760 100
a

4 4

.088 .067

a. 5 cells (55.6%) have expected count less than 5. The minimum expected count is .06.

The significant value is .088 at 4 degree of freedom with confidence of 55.6%, is greater than .05, hence the hypothesis is rejected. Thus this signifies there is no relationship between Age & comfort of personal banking. This implies that age of the person does not affects the Frequency of opting Personal Banking for comfort.

H3a.Occupation of the person affects the frequency of opting Online banking for comfort.

Recode_comfort_Ob * Occupation Crosstabulation Count Occupation 1 1.00 Recode_comfort_Ob 2.00 3.00 Total 0 10 30 40 2 2 40 16 58 3 0 1 0 1 5 0 0 1 1 2 51 47 100 Total

Chi-Square Tests Value df Asymp. Sig. (2sided) Pearson Chi-Square Likelihood Ratio N of Valid Cases 23.793 25.909 100
a

6 6

.001 .000

a. 8 cells (66.7%) have expected count less than 5. The minimum expected count is .02.

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The significant value is .001 at 6 degree of freedom with confidence of 66.7%, is less than .05, hence the hypothesis is accepted. Thus this signifies there is relationship between Occupation and Comfort of Online Banking. This implies occupation of the person affects the frequency of opting for comfort online banking.

H3b. Occupation of the person affects the Frequency of opting Online banking for efficiency.

Recode_efficiency_OB * Occupation Crosstabulation Count Occupation 1 1.00 Recode_efficiency_OB 2.00 3.00 Total 0 14 26 40 2 4 45 9 58 3 1 0 0 1 5 0 0 1 1 5 59 36 100 Total

Chi-Square Tests Value df Asymp. Sig. (2sided) Pearson Chi-Square Likelihood Ratio N of Valid Cases 46.600 36.210 100
a

6 6

.000 .000

a. 8 cells (66.7%) have expected count less than 5. The minimum expected count is .05.

The significant value is .000 at 6 degree of freedom with confidence of 66.7%, is less than .05, hence the hypothesis is accepted. Thus this signifies there is relationship between occupation & efficiency of online banking. This implies that occupation of the person does not affect the Frequency of opting online banking for efficiency.

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H3c. Occupation of the person affects the Frequency of opting Online banking for security.

Recode_Security_OB * Occupation Crosstabulation Count Occupation 1 1.00 Recode_Security_OB 2.00 3.00 Total 0 14 26 40 2 4 45 9 58 3 1 0 0 1 5 0 0 1 1 5 59 36 100 Total

Chi-Square Tests Value df Asymp. Sig. (2sided) Pearson Chi-Square Likelihood Ratio N of Valid Cases 46.600 36.210 100
a

6 6

.000 .000

a. 8 cells (66.7%) have expected count less than 5. The minimum expected count is .05.

The significant value is .000 at 6 degree of freedom with confidence of 66.7%, is less than .05, hence the hypothesis is accepted. Thus this signifies there is relationship between occupation & security of online banking. This implies that occupation of the person affects the Frequency of opting online banking for security.

H3d. Occupation of the person affects the Frequency of opting Personal Banking for accessibility.

Recode_Accessibility_PB * Occupation Crosstabulation Count Occupation 1 1.00 Recode_Accessibility_PB 2.00 3.00 Total 3 21 16 40 2 4 33 21 58 3 0 1 0 1 5 0 1 0 1 7 56 37 100 Total

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Chi-Square Tests Value df Asymp. Sig. (2sided) Pearson Chi-Square Likelihood Ratio N of Valid Cases 1.790 2.536 100
a

6 6

.938 .864

a. 8 cells (66.7%) have expected count less than 5. The minimum expected count is .07.

The significant value is .938 at 6 degree of freedom with confidence of 66.7%, is greater than .05, hence the hypothesis is rejected. Thus this signifies there is no relationship between occupation & accessibility of online banking. This implies that occupation of the person does not affect the Frequency of opting online banking for accessibility.

H3e. Occupation of the person affects the Frequency of opting Personal Banking for efficiency.

Recode_Efficiency_PB * Occupation Crosstabulation Count Occupation 1 1.00 Recode_Efficiency_PB 2.00 3.00 Total 1 21 18 40 2 2 39 17 58 3 0 1 0 1 5 0 1 0 1 3 62 35 100 Total

Chi-Square Tests Value df Asymp. Sig. (2sided) Pearson Chi-Square Likelihood Ratio N of Valid Cases 3.817 4.465 100
a

6 6

.701 .614

a. 8 cells (66.7%) have expected count less than 5. The minimum expected count is .03.

The significant value is .701 at 6 degree of freedom with confidence of 66.7%, is greater than .05, hence the hypothesis is rejected. Thus this signifies there is no relationship between

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occupation & efficiency of personal banking. This implies that occupation of the person does not affect the Frequency of opting Personal Banking for efficiency.

H3f. Occupation of the person affects the Frequency of opting Personal Banking for comfort.

Recode_Comfort_PB * Occupation Crosstabulation Count Occupation 1 1.00 Recode_Comfort_PB 2.00 3.00 Total 1 24 15 40 2 2 42 14 58 3 0 1 0 1 5 0 1 0 1 3 68 29 100 Total

Chi-Square Tests Value df Asymp. Sig. (2sided) Pearson Chi-Square Likelihood Ratio N of Valid Cases 3.025 3.583 100
a

6 6

.806 .733

a. 8 cells (66.7%) have expected count less than 5. The minimum expected count is .03.

The significant value is .806 at 6 degree of freedom with confidence of 66.7%, is greater than .05, hence the hypothesis is rejected. Thus this signifies there is no relationship between occupation & comfort of personal banking. This implies that occupation of the person does not affect the Frequency of opting Personal Banking for comfort.

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4. Conclusion
From the above discussion of the data shows the relationship between the demographic variables and the various factors of Online Banking and Personal Banking. The overall mean of the data shows that the respondents are more interested in Online banking (Mean =2.325) as compared to personal banking (Mean= 2.235) on the various factors such as Comfort, Efficiency, Security and Accessibility of both the facilities provided by the bank. As our assumption declares that if online banking is preferred then the number of footfalls will decrease in a bank so this comes out to be true as online banking is preferred over personal banking as shown by the figures evaluated.

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