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Paradigm Shift in E-Banking: Some Evidence from Indian Banks

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  • R K Uppal

Abstract

The present paper examines the productivity and profitability in pre and post e-banking periods and highlights the emerging issues and new strategies to enhance the performance of bank groups in today’s liberalized, globalized and IT era. The paper concludes that though there is a paradigm shift in the performance of all bank groups in the post e-banking period, new private sector banks and foreign banks have an edge over Public Sector Banks (PSBs). The fully IT-oriented banks have become both a threat and a motivation for the PSBs. The paper stresses on customer-centricism, proficiency in managing assets, technology, skilled staff, transparency, human resource management policies, customer relationship management, and merger and acquisition policies as vital factors to enhance the performance of banks to face the emerging global competition.

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  • R K Uppal, 2010. "Paradigm Shift in E-Banking: Some Evidence from Indian Banks," The IUP Journal of Bank Management, IUP Publications, vol. 0(1 & 2), pages 42-59, February .
    • Handle: RePEc:icf:icfjbm:v:9:y:2010:i:1&2:p:42-59
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