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A COMPREHENSIVE STUDY ON MOBILE BANKING SERVICES IN NILGIRIS DISTRICT

Authors:
M. Praveen at KayPeeYes College of Arts and Science
M. Praveen
  • KayPeeYes College of Arts and Science
Ms S Esther Grace
Ms S Esther Grace
Ms S Esther Grace
  • This person is not on ResearchGate, or hasn't claimed this research yet.
Mrs P Dency Mary
Mrs P Dency Mary
Mrs P Dency Mary
  • This person is not on ResearchGate, or hasn't claimed this research yet.
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This study examines the adoption and challenges of mobile banking services in the Nilgiris district, focusing on user satisfaction, usability, and common issues encountered. The research highlights the transition of banking activities from traditional in-person interactions to digital platforms, emphasizing their convenience and efficiency. Using a structured questionnaire, primary data was collected from 40 respondents. Key findings indicate that ease of use, instant transfer features, and time-saving benefits significantly contribute to high user satisfaction. However, major challenges include internet issues, security concerns, and difficulty navigating mobile banking applications. The study underscores the importance of improving infrastructure, enhancing user interfaces, and addressing cost-related barriers to increase the acceptance of mobile banking services. These insights aim to guide policymakers and banking institutions in refining their services to meet user expectations effectively.
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e-ISSN: 2582-5208
International Research Journal of Modernization in Engineering Technology and Science
( Peer-Reviewed, Open Access, Fully Refereed International Journal )
Volume:06/Issue:11/November-2024 Impact Factor- 8.187 www.irjmets.com
www.irjmets.com @International Research Journal of Modernization in Engineering, Technology and Science

A COMPREHENSIVE STUDY ON MOBILE BANKING SERVICES IN
NILGIRIS DISTRICT
M. Praveen*1, Ms. S. Esther Grace*2, Mrs. P. Dency Mary*3



 
ABSTRACT

 
   -        
             
-
           
           
    -         
               

Keywords:
I. INTRODUCTION
1.1 Mobile Banking:
                 
           



   
                  

-
                  

1.2 History of Mobile Banking:



    

    
 

 


                 
      

e-ISSN: 2582-5208
International Research Journal of Modernization in Engineering Technology and Science
( Peer-Reviewed, Open Access, Fully Refereed International Journal )
Volume:06/Issue:11/November-2024 Impact Factor- 8.187 www.irjmets.com
www.irjmets.com @International Research Journal of Modernization in Engineering, Technology and Science

II. LITERATURE REVIEW
               
      
          
             
     
                
       


            
       -       

      
-   
                
-
-
  

        
 

                

-            
               
 


                
      
  

III. METHODOLOGY AND DATA
3.1 Statement of the Problem
             
                
        
                

  
   

3.2 Objectives of the Study:
Enhance awareness of mobile banking services among the residents of the Nilgiris district to encourage its
adoption, addressing the lack of digital literacy and familiarity with mobile banking benefits ( Aa , 2023).
To make a hassle-free experience while using mobile banking.
To involve a standard set by the government to regulate the banking sector.
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
To understand who uses mobile banking services among which age groups.
To understand the reason for choosing the mobile banking services over normal banking.
3.3 Scope of the Study
This study explores mobile banking services and their impact on daily financial transactions. It examines how
individuals have transitioned from traditional banking methods, involving physical visits to banks, to
conducting banking activities conveniently through their mobile phones. The study aims to understand the
extent of this shift and its implications for users.
3.4 Limitations of the Study
The study is subject to certain limitations. The primary data was collected through a questionnaire, which may
be influenced by the respondents' perceptions and understanding. Additionally, the sample size for the study
was restricted to 40 participants, which may limit the generalizability of the findings. Furthermore, the scope of
the study is confined to the Nilgiris district, which may not fully represent the broader trends in mobile banking
services.
3.5 Source of Data:
                  

3.6 Tools Used for The Analysis:
Simple percentage analysis, Rank analysis, Weighted average, Weighted Average ( Aa , 2023)
IV. RESULT & DISCUSSION
Table.1 







-





-




-


























































































e-ISSN: 2582-5208
International Research Journal of Modernization in Engineering Technology and Science
( Peer-Reviewed, Open Access, Fully Refereed International Journal )
Volume:06/Issue:11/November-2024 Impact Factor- 8.187 www.irjmets.com
www.irjmets.com @International Research Journal of Modernization in Engineering, Technology and Science
























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
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
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
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

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 
                 
                    


---

             

            
             
                
               

󰰰󰰰
󰰰󰰰󰰰󰰰󰰰
-
             
  -             
               
     

         
            

      
 -   





    
-

e-ISSN: 2582-5208
International Research Journal of Modernization in Engineering Technology and Science
( Peer-Reviewed, Open Access, Fully Refereed International Journal )
Volume:06/Issue:11/November-2024 Impact Factor- 8.187 www.irjmets.com
www.irjmets.com @International Research Journal of Modernization in Engineering, Technology and Science

Level of Satisfaction on Mobile Banking Services
Table.2 ----
USES
HS
S
N
DS
SUM
MEAN
RANK







































                
             


              





          



     

    
                  

4.5
4.4
3.7
4.35
4.25
E AS Y TO U SE I NS TAN T
TR AN SFE R R EWA RD S AN D
CA SH BA CK S U SEF UL F OR
SM AL L
TR AN SAC TI ON S
TIM E SAV ER
e-ISSN: 2582-5208
International Research Journal of Modernization in Engineering Technology and Science
( Peer-Reviewed, Open Access, Fully Refereed International Journal )
Volume:06/Issue:11/November-2024 Impact Factor- 8.187 www.irjmets.com
www.irjmets.com @International Research Journal of Modernization in Engineering, Technology and Science

Table. 3 
Problems
Ranks
Respondents
Weight
score
Weight
amount
Total Weight
amount
Rank

































































               
                 
            


           

  

                 
         -    
      -       
e-ISSN: 2582-5208
International Research Journal of Modernization in Engineering Technology and Science
( Peer-Reviewed, Open Access, Fully Refereed International Journal )
Volume:06/Issue:11/November-2024 Impact Factor- 8.187 www.irjmets.com
www.irjmets.com @International Research Journal of Modernization in Engineering, Technology and Science

  

                
              


              
-
V. SUGGESTION
    
             
                
             


-            
             
        
           
             

VI. CONCLUSION

   
             

 

                
              
      
               

             

      

VII. REFERENCE
[1]   
-


 
-

  -   
          
-
e-ISSN: 2582-5208
International Research Journal of Modernization in Engineering Technology and Science
( Peer-Reviewed, Open Access, Fully Refereed International Journal )
Volume:06/Issue:11/November-2024 Impact Factor- 8.187 www.irjmets.com
www.irjmets.com @International Research Journal of Modernization in Engineering, Technology and Science

             -       
        
-
                

                 
-
                   
-

        
-
            -    
-
-
               

               
-
 

              
-

-
--

                  
-

 
-
-
 

-
                  
-
  
-

                 
            
            
-
 
-

e-ISSN: 2582-5208
International Research Journal of Modernization in Engineering Technology and Science
( Peer-Reviewed, Open Access, Fully Refereed International Journal )
Volume:06/Issue:11/November-2024 Impact Factor- 8.187 www.irjmets.com
www.irjmets.com @International Research Journal of Modernization in Engineering, Technology and Science

 

 
-


           
-

 
 -

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