Have you waited long for a transaction to

Column1 Q13) complete? Column2

S.No. Particulars No.of Responses Percentage
1 Often 6 12.5
2 Rarely 42 87.5
48

Time Taken For Transaction

100
80
60
40
20
0
No.of Responses Percentage

1 Often 2 Rarely

Q13. Have you waited long for a transaction to complete?

-People with responses related to often long waiting for transaction to complete are less than
people whose responses are rarely long waiting for transaction to complete with 12.5% and
87.5% respectively which shows a well equipped transaction system used by banks with a slight
improvement required.

Column1 Q14) Are the facilities responsive? Column2

S.No. Particulars No.of Responses Percentage
1 Often 42 87.5
2 Rarely 6 12.5
48

Chart Title
100
80
60
40
20
0
No.of Responses Percentage

1 Often 2 Rarely

Q14.Are the facilities responsive?

-According to the survey 87.5% the facilities are responsive and12.5% are not.The 12.5% times
where the facilities are not responsive should be checked and improved so that the customers
donot face any trouble while transacting.The 87.5% responsiveness of the facilities is a symbol
of technology advancement.

Column1 015) What would put you off using e-banking services? Column2
 S.No. Particulars No.of Responses Percentage
Lack of face to face
1 advice 16 33.33333333
2 Security concerns 8 16.66666667
3 Reluctance to change 18 37.5
4 Lack of Internet access 6 12.5
48

Chart Title
40
30
20
10
0

No.of Responses Percentage

Q15.What would put you off using e-banking services?

-Factors putting off the customers usage are Lack of face to face advice is 33.33% major issue
now because a lot of use of e-banking.
Security concerns is 16.67% customers are afraid of getting hacked.
Reluctance to change is 37.5% a large group of customers are happy using the traditional
method of banking.
Lack of Internet access is 12.5% customers living in remote locations face problem of accessing
to internet.

Column1 Q16) The contribution of e-banking Column2

S.No. Particulars No.of Responses Percentage
1 Very High 30 62.5
2 High 12 25
3 Average 4 8.333333333
4 Low 2 4.166666667
48

Chart Title
70
60
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40
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No.of Responses Percentage

Q16.The contribution of e-banking
62.5% customers feel that e-banking has very highly contributed as made transactions easier
and faster.
25% customers think it has highly contributed.
8.333% customers feel that it has averagely contributed.
4.1667%customers feel that it had low contribution.These are those who want to follow the
traditional method of banking.

Do you think e-banking can replace method of

Column1 Q17) banking? Column2
S.No. Particulars No.of Responses Percentage
1 Yes 45 93.75
2 No 3 6.25
48

E-Babking Replacement
100
80
60
40
20
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No.of Responses Percentage

1 Yes 2 No

Q17.Do you think e-banking can replace method of banking?

93.75% customers think that yes e-banking will replace banking method as it is more
easier,convenient and secure.
6.25% say no as they like to follow the traditional banking method and are afraid to transact
over internet.

Column1 Q18) Are e-banking facilities secured? Column2

S.No. Particulars No.of Responses Percentage
1 Agree 36 75
2 Strongly Agreed 8 16.66666667
3 Disagree 1 2.083333333
4 Strongly Disagree 3 6.25
48
 Chart Title
80
70
60
50
40
30
20
10
0

No.of Responses Percentage

Q18.Are e-banking facilities secured?

75%agree,16.67%strongly agree,2.083%disagree and 6.25%strongly disagree ,the rate of
agreeableness to the fact that e-banking facilities are secured is must more than that who
disagree.This shows the reliableness of customers towards the security of the e-banking
facilities.

How often do you change your e-banking

Column1
Q19) password? Column2
S.No. Particulars No.of Responses Percentage
1 Often 3 6.25
2 Rarely 45 93.75
48

Chart Title
100
80
60
40
20
0
No.of Responses Percentage

1 Often 2 Rarely

Q19.How often do you change your e-banking password?

6.25%of the customers often change their password showing there consciousness towards the
security of their account.
93.75%of the customers rarely change their password showing there faith in the security
provided in e-banking.
 Column1 Q20) What kind of security do you think is more reliable? Column2
S.No. Particulars No.of Responses Percentage
Password
1 Authentication 19 39.58333333
2 OTP 21 43.75
3 SSL 4 8.333333333
4 Security Token 4 8.333333333
48

Chart Title
50
45
40
35
30
25
20
15
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5
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No.of Responses Percentage

Q20.What kind of security do you think is more reliable?

39.5833% think password authentication more reliable
43.75% think OTP to be more reliable
8.33%think SSL to be more reliable
8.33% think security token to be more reliable
This results shows that customer finds security which is easy to operate and find more reliable
for security.

Chart Title
100
80
60
40
20
0
No.of Responses Percentage

1 Yes 2 No

Q21.Has your account ever been hacked?

6.25% say yes which is a very less number showing the security being used are very difficult to
hack into & 93.75% say no this shows that the security used by e-banking are trustworthy.
 Do you think there should be any security
Column1 Q22) advancement? Column2
S.No. Particulars No.of Responses Percentage
1 Yes 14 29.16666667
2 No 20 41.66666667
3 Maybe 14 29.16666667
48

Chart Title
45
40
35
30
25
20
15
10
5
0

No.of Responses Percentage

Q22.Do you think there should be any security advancement?

29.1667%said yes,41.667%said no and 29.1667% said maybe as they are not sure.The level of
security is so high nowadays that 41.667% customers think it not necessary for security
advancement.

Column1 Q23) If yes, then what kind of security advancement? Column2

S.No. Particulars No.of Responses Percentage
1 Face Unlock 10 20.83333333
2 Fingerprint 15 31.25
3 Pin Lock 12 25
4 Two-Step Verification 11 22.91666667
48

Chart Title
35
30
25
20
15
10
5
0

No.of Responses Percentage

Q23.If yes, then what kind of security advancement?
31.25% voted for face lock as they find it very secured and better from face unlock,pin unlock
and two step verification which were voted at 20.83%,25% and 22.91667 respectively.These
latter security facilities are outdated and not secure enough.

How would you characterize the decision to carry

out a banking transaction through internet
Column1 Q24) banking? Column2
S.No. Particulars No.of Responses Percentage
1 High Potential for Gain 17 35.41666667
2 High Potential for Loss 31 64.58333333
48

Chart Title
70
60
50
40
30
20
10
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No.of Responses Percentage

1 High Potential for Gain 2 High Potential for Loss

Q24.How would you characterize the decision to carry out a banking transaction through
internet banking?
High Potential for Gain is 35.41667% if the profits earned by it annually.
High Potential for Loss is 64.5 833% if it is bearing loss for a period and has a tendency to loose
more in future.

Column1 Q25) Leaving the operation unfinished Column2

S.No. Particulars No.of Responses Percentage
1 Often 18 37.5
2 Rarely 30 62.5
48
 Chart Title
70
60
50
40
30
20
10
0
No.of Responses Percentage

1 Often 2 Rarely

Q25.Leaving the operation unfinished

Rarely does leaves operations unfinished with vote of 62.5%
And often does it leaves operations unfinished with vote of 37.5% .This shows that rarely does
e-banking leaves any operations unfinished but the 37.5% that is left should be brought into
check.