Format of cover page and 1st page

STES’s
Sinhgad college of Commerce
Kondhwa (Bk.), Pune – 48

A Project

On

“Mobile Banking (Apex & Axis Bank)”

Submitted to

“SNEHAL GAUR”

Department of BBA

By

Mr. /Ms. “HARSH PRAMOD MIRAJKAR”

of S.Y.B.B.A. Roll No: F8

Under the guidance of

Department of Business Administration (BBA)

2020-2021
 IInd
page

STES’S
SINHGAD COLLEGE OF COMMERCE
CERTIFICATE
This is to certify that Mr. / Ms. “HARSH PRAMOD MIRAJKAR
(F8)” of S.Y. B.B.A (Sem.III) has worked and completed the project in
the subject of “Subject Name” under our guidance and direction in all
respects. His/her project is a bonafide work completed in partial
fulfillment of B.B.A degree of Savitribai Phule Pune University. His/
Her work is found to be satisfactory.

Dr.Snehal Gaur Dr.Makarand Waza

Project Guide HOD Principal
 STUDENT DECLARATION

I,(HARSH PRAMOD MIRAJKAR), hereby declare that the present Project report
for the subject “Retail Management” of S.Y.B.B.A(Sem.III) is uniquely prepared
by me.

Name of the student: Harsh Pramod Mirajkar

Roll No: F8

Date and Signature:20/5/2021

INDEX

1. INTRODUCTION

A MOBILE BANKING CONCEPTUAL MODEL:-

MOBILE BANKING SERVICES:-

CHALLENGES FOR A MOBILE BANKING SOLUTION:-

SECURITY:-

SCALABILITY AND RELIABILITY:-

APPLICATION DISTRIBUTON:-

PERSONALITION:-

1. MOBILE BANKING IN WORLD

BRIF GLOBAL SCENERIO OF THE CURRENT STATE OF MOBILE BANKING:-

2. ADVANTAGE AND DISADVANTAGES OF MOBILE BANKING

ADVANTAGES

DISADVANTAGES

3. OBJECTIVE

4. METHODOLOGY

5. NALYSIDATA AS & INTERPRETATION

1. Gender of respondents:-

2. Age of respondents

3. Marital Status of respondents

4. Educational Qualification of respondents

5. Income of respondent
6. Occupation of respondent

7. Bank of respondent

8. Barriers of respondent

9. Perceived Utility of respondent

6. SUMMARY OF FINDING

Demographic profile:-

Barriers:-

Perceived Utility:-

Suggestion:-

Conclusion:-
 TOPIC
MOBILE BANKING
 The Indian banks is preparing to leapfrog its customers directly from branches to
mobiles as part of its strategy to reach out to the unbanked and decongest branches.

The bank has over 1.15 crore mobile banking users, which is larger than the mobile
banking customer base of large banks in the West. Only a couple of Chinese banks have more mobile
banking customers. The number is expected to rise dramatically as the ratio of mobile banking
customers rises from 4.5% at present to 12% in two years and possibly 60% after three years as the bank
completes its channel integration.

"Message-based banking, where you don't even need smartphones, has just been
launched (in India). I do believe that once this is understood by people, there will be an explosion of
activity in the mobile space. This is what the future holds," said SBI Chairman Arundhati Bhattacharya.
She said mobile banking will also play a large part in the role of the yet-to-be-launched payment banks
with which SBI plans to have tie-ups. The aggressive promotion of alternative channels is part of the
bank's strategy to decongest branches, which are expected to come under even more pressure as the
bank opens over 1.5 crore new accounts under the Prime Minister's Jan Dhan Yojana .

At present, customers can access the bank through "State Bank Anywhere" - the
bank's Smartphone app which is integrated with Internet banking. The service which is expected to be
used by the masses is "State Bank Freedom", which can be accessed by all kinds of phones. "We see a
business opportunity in payment banks as they can dovetail into the main bank by acting as a customer
touch point for us. As to promoting a payment bank ourselves, we will see what the opportunities and
regulations are like. If you are a promoter, there is a restriction on how much you can use it," said
Bhattacharya.

"A lot of it is also for small value remittances. We are offering regular remitters a
'green remit card', which enables him to swipe his card in a cash deposit machine, deposit the cash and
send money instantly," said Bhattacharya.

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