“A STUDY ON IMPACT OF

DEMONETIZATION ON MOBILE BANKING

WITH SPECIAL REFERENCE TO
EDAPPATTA PANCHAYATH”

PROJECT REPORT

Submitted to the University of Calicut

In partial fulfillment of the requirement for
The award of the degree of
BACHELOR OF COMMERCE

Submitted by
ROSHNI P
[Reg.No : HKAOBCM012]

Under the guidance of

SOWMYA. M.T
(Assistant Professor)

Department of Commerce & Management Studies

KSHM Arts & Science College
Edathanattukara
2016 – 2017
 Phone: 04924 203202

DEPARTMENT OF COMMERCE &

MANAGEMENT STUDIES
KSHM ARTS & SCIENCE COLLEGE, EDATHANATTUKARA

Principal H.O.D
ABDULLA KUTTY AJITH KUMAR.M

Date: . . . . . . . . . . .
.

CERTIFICATE
This is to certify that this project entitled “A STUDY ON IMPACT OF
DEMONETIZATION ON MOBILE BANKING WITH SPECIAL
REFERENCE TO EDAPPATTA PANCHAYATH” is submitted to
UNIVERSITY OF CALICUT in partial fulfillment of the requirements for the
award of the degree of BACHELOR OF COMMERCE is a record of original work
done by ROSHNI P (Reg.No.HKAOBCM012) during the year 2016-2017 in the
department of commerce & management at KSHM ARTS & SCIENCE
COLLEGE.

Place : Edathanattukara M. Ajith Kumar

Date : / / 2017 Professor
Head of the Department
 Phone: 04924 203202

DEPARTMENT OF COMMERCE &

MANAGEMENT STUDIES
KSHM ARTS & SCIENCE COLLEGE, EDATHANATTUKARA

Principal H.O.D
ABDULLA KUTTY AJITH KUMAR.M

Date: . . . . . . . . . . .
.

CERTIFICATE
This is to certify that this project entitled “A STUDY ON IMPACT OF
DEMONETIZATION ON MOBILE BANKING WITH SPECIAL
REFERENCE TO EDAPPATTA PANCHAYATH” is submitted to
UNIVERSITY OF CALICUT in partial fulfillment of the requirements for the
award of the degree of BACHELOR OF COMMERCE is a record of original work
done by ROSHNI P (Reg.No.HKAOBCM012) during the year 2016-2017 in the
department of commerce & management at KSHM ARTS & SCIENCE
COLLEGE.

Place : Edathanattukara SOWMYA MT

Date : / / 2017 Assistant Professor
 DECLARATION

I, ROSHNI P do hereby declare that this project report entitled “A

STUDY ON IMPACT OF DEMONETIZATION ON MOBILE BANKING
WITH SPECIAL REFERENCE TO EDAPPATTA PANCHAYATH.” is a
record of original work carried out by me under the supervision and guidance of
Asst. Prof. SOWMYA. MT, in partial fulfillment of the requirement for the
award of Bachelor of Commerce Degree, University of Calicut.

I also declare that this project report has not been submitted
previously by me fully or partially for the award of any degree or recognition.

ROSHNI P
 ACKNOWLEDGEMENT

First and foremost, I thank GOD, the Almighty support and mercy drop of
blessings upon me to complete my project within the stipulated time in a
successful way.

I would like to express my heartfelt gratitude and thanks to Mr. Prof.

ABDULLA KUTTY, Principal, KSHM Arts and Science college,
Vattamannapuram, for granding me the permission to carry out my project.

I am extremely thankful to Mr. AJITH.V M, Head of the department of

commerce, KSHM Arts and Science college, Vattamannapuram, for the
constant support guidance and encouragement granted throughout the project.

Word fail to express my sincere gratitude to Mrs. SOWMYA MT,

Department of commerce and management studies, my faculty guide , who have
been a constant source of valuable advice, inspiration and encouragement for
the preparation of this Report.

I Place on record my sincere thanks to my parents and family members

for their constant encouragement, motivation, help and moral support
throughout my academic pursuits.

Finally, I must extend thanks to all my friends, teachers and well wishes
for the encouragement, sustained help and prayer which I got from them.

ROSHNI P

Reg.No : HKAOBCM012
 CONTENTS

CHAPTER TITLE PAGE NO

1 INTRODUCTION 1 – 09

2 REVIEW OF LITERATURE 10 - 32

DATA ANALYSIS AND

3&4 33 – 57
INTERPRETATION

FINDINGS, SUGGESTIONS
5 58 – 60
AND CONCLUSION

BIBLIOGRAPHY

APPENDIX
 LIST OF TABLES

TABLE TITLE PAGE

NO. NO.

1 AWARENESS LEVEL CLASSIFICATION ABOUT 33

DEMONETISATION

WHETHER THE RESPONDENT AGREE WITH

2 34
DEMONETIZATION

PROBLEMS FACED BY RESPONDENT DUE TO

3 35
DEMONETIZATION

4 36
SPENDING DIFFICULTY OF RS.2000 NOTES

5 AWARENESS LEVEL CLASSIFICATION ABOUT 37

MOBILE BANKING

6 DETAILS OF RESPONDENTS HAVING MOBILE 38

BANKING SYSTEM

7 WHEN RESPONDENTS STARTED MOBILE BANKING

SYSTEM
39

8 THE SOURCE OF INFORMATION ABOUT MOBILE 40

BANKING

9 41
REASONS FOR AVOIDING MOBILE BANKING

10 42
FREQUENT USE OF MOBILE BANKING

11 TYPE OF SERVICE THE RESPONDENT PREFER 43

THROUGH MOBILE BANKING

12 TYPE OF CARD THE RESPONDENT PREFER FOR 44

MOBILE BANKING
 PROBLEMS FACED RESPONDENTS RELATED TO
13 45
MOBILE BANKING

14 REASON FOR CHOOSING MOBILE BANKING 46

15 FACTORS CONSIDERING WHILE DOING MOBILE 47

BANKING

16 PREFERENCE OF MOBILE BANKING AFTER 48

DEMONETIZATION

17 WHETHER THE RESPONDENT RECOMMEND MOBILE 49

BANKING TO OTHERS

WHETHER THE RESPONDENT SATISFIED WITH THE

18 50
OFFERS, DISCOUNT ETC...PROVIDED MOBILE
BANKING

19 OPINION OF RESPONDENT ABOUT SERVICE 51

PROVIDED BY MOBILE BANKING

20 WHETHER THE RESPONDENT COMFORTABLE WITH 52

MOBILE BANKING AFTER DEMONETIZATION

21 53
MOBILE BANKING IS A PART OF SOCIAL LIFE

22 RESPONDENT CONTINUE THE USE OF MOBILE 54

BANKING

23 SUGGESTION OF RESPONDENTS TO IMPROVE 55

MOBILE BANKING

THE OVERALL OPINION OF RESPONDENT TOWARDS

24 56
MOBILE BANKING AFTER IMPLEMENTATION OF
DEMONETIZATION POLICY

THE RESPONDENTS FELT ANY DIFFERENCE

25 BETWEEN MOBILE BANKING SERVICE AFTER AND 57
BEFORE IMPLEMENTATION OF DEMONETIZATION
 LIST OF DIAGRAMS

TABLE TITLE PAGE

NO. NO.

1 AWARENESS LEVEL CLASSIFICATION ABOUT 33

DEMONETISATION

WHETHER THE RESPONDENT AGREE WITH

2 34
DEMONETIZATION

PROBLEMS FACED BY RESPONDENT DUE TO

3 35
DEMONETIZATION

4 36
SPENDING DIFFICULTY OF RS.2000 NOTES

5 AWARENESS LEVEL CLASSIFICATION ABOUT 37

MOBILE BANKING

6 DETAILS OF RESPONDENTS HAVING MOBILE 38

BANKING SYSTEM

7 WHEN RESPONDENTS STARTED MOBILE BANKING

SYSTEM
39

8 THE SOURCE OF INFORMATION ABOUT MOBILE 40

BANKING

9 41
REASONS FOR AVOIDING MOBILE BANKING

10 42
FREQUENT USE OF MOBILE BANKING

11 TYPE OF SERVICE THE RESPONDENT PREFER 43

THROUGH MOBILE BANKING

12 TYPE OF CARD THE RESPONDENT PREFER FOR 44

MOBILE BANKING
 PROBLEMS FACED RESPONDENTS RELATED TO
13 45
MOBILE BANKING

14 REASON FOR CHOOSING MOBILE BANKING 46

15 FACTORS CONSIDERING WHILE DOING MOBILE 47

BANKING

16 PREFERENCE OF MOBILE BANKING AFTER 48

DEMONETIZATION

17 WHETHER THE RESPONDENT RECOMMEND MOBILE 49

BANKING TO OTHERS

WHETHER THE RESPONDENT SATISFIED WITH THE

18 50
OFFERS, DISCOUNT ETC...PROVIDED MOBILE
BANKING

19 OPINION OF RESPONDENT ABOUT SERVICE 51

PROVIDED BY MOBILE BANKING

20 WHETHER THE RESPONDENT COMFORTABLE WITH 52

MOBILE BANKING AFTER DEMONETIZATION

21 53
MOBILE BANKING IS A PART OF SOCIAL LIFE

22 RESPONDENT CONTINUE THE USE OF MOBILE 54

BANKING

23 SUGGESTION OF RESPONDENTS TO IMPROVE 55

MOBILE BANKING

THE OVERALL OPINION OF RESPONDENT TOWARDS

24 56
MOBILE BANKING AFTER IMPLEMENTATION OF
DEMONETIZATION POLICY

THE RESPONDENTS FELT ANY DIFFERENCE

25 BETWEEN MOBILE BANKING SERVICE AFTER AND 57
BEFORE IMPLEMENTATION OF DEMONETIZATION
 CHAPTER - 1
INTRODUCTION
 CHAPTER- 2
REWIEW OF LITERATURE
 CHAPTER – 3 & 4
DATA ANALYSIS AND
INTERPRETATION
 CHAPTER – 5
FINDINGS
SUGGESTIONS
AND
CONCLUSION
BIBLIOGRAPHY
 BIBLIOGRAPHY

BOOKS

Banking and insurance: Dr. K Venugopalan,

Dr. Abdul Assis Koroth

WEBSITES

 WWW.GOOGLE.COM
 WWW.WIKIPEDIA.COM
 WWW.YAHOO.COM

NEWS PAPERS

 THE TIMES OF INDIA

 THE HINDU
APPENDIX
 QUESTIONNAIRE

Sir/Madam

I am a 6th semester B.com student of K.S.H.M Arts & Science College and
I would like to conduct a study on the „impact‟ of demonetization on mobile
banking with special reference to Edappatta panchayath. I would be obliged to
you if you could fill up this questionnaire which is required for collecting data
for my B.com dissertation. I assure you that I will keep the information
confidential and use only for academic purpose.

Thanking you

ROSHNI. P

NAME :

Gender :

Educational qualification :

Occupation :
 1. Are you aware about demonetization policy?

Yes Little

No
2. If you agree with demonetization?

Yes Partially

No

3. Are you felt any problem because of demonetization?

Yes No

If your answer yes specify the problem

……………………………………….

……………………………………….

4. If you can able to spend 2000 notes for your necessary needs?

Yes No

5. Are you aware about mobile banking?

Yes No

6. Do you have mobile banking system?

Yes No

7. When you started mobile banking system

After demonetization Before demonetization

8. From where do you get information about mobile banking?

Friends Advertisement

Family Others

9. If you never had mobile banking, please specify the reason?

Lack of awareness Lack of computer literacy

Lack of accessibility of internet Others

10. How frequently you use mobile banking?

Daily Once in every month

Others

11. What type of service you prefer from mobile banking?

Electricity bill payment Fund transfer

Shopping Others

12. Which card you prefer from mobile banking?

Debit card Credit card

Smart card All of these

13. Have you felt any problem while doing mobile banking?

Delay Frauds

Lack of awareness
14. What is the main reason for choosing mobile banking?

Convenience Save time

Less cost All of these

15. What are the factors considered by you while doing mobile banking?

Web site design Security & privacy

Payment method Response time/transitions quality

16. Will you prefer mobile banking services after the impact of demonetization?

Yes May be

No

17. Would you recommend others to use mobile banking?

Definitely May be

Never

18. Are you satisfied with the offers, discount etc……. provided by mobile
banking due to demonetization?

Yes Never

No

19. How would you rate the service provided by mobile banking apps?

Good Average

Poor Excellent
20. Mobile banking services is more comfortable after implementation of
demonetization policy express your opinion?

Comfortable Not at all

21. Do you agree with mobile banking is a part of social life after
demonetization policy?

Strongly agree Agree

Disagree Strongly disagree

22. Would you like to continue mobile banking? Certainly

Yes No

Never May be

23. What is your suggestion to improve the mobile banking still the problem of
demonetization?

Improve quality of service Increase advertisement

Others Nil

24. What is your overall opinion about mobile banking service after
implementation of demonetization?

Excellent Good

Poor Average

25. Do you feel any difference between mobile banking service after and before
implementation of demonetization policy?

Yes No