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Mobile Banking: A Study on Progress and Customer Perception in India for Financial Inclusion

In: Driving the Economy through Innovation and Entrepreneurship

Author

Listed:
  • S. Sudalai Muthu

    (Pondicherry University)

  • T. Kadalarasane

    (Pondicherry University)

Abstract

The aim of this chapter is to study the progress of M-Banking in India and to assess the customers’ perception towards usage segment of M-Banking by the customers. The result of this chapter reveals that mobile banking is enjoying a rapid growth in India. Mobile banking services are growing both in terms of volume and value of transaction. The results also reveal that usage pattern of M-Banking services among the customers is increasing. Mostly young and educated customers are very much interested to apply and avail mobile banking services. ‘Convenience’, ’24 × 7 flexible services’, ‘speed’ and ‘quick financial decision’ are the factors responsible for motivating customers to use mobile banking system. Government and other regulators may take some steps to introduce user-friendly software, good network, suitable regulation and security system that would help to bring 100 % financial inclusion in India.

Suggested Citation

  • S. Sudalai Muthu & T. Kadalarasane, 2013. "Mobile Banking: A Study on Progress and Customer Perception in India for Financial Inclusion," Springer Books, in: Chiranjit Mukhopadhyay & K B Akhilesh & R. Srinivasan & Anjula Gurtoo & Parthasarathy Ramachandran & (ed.), Driving the Economy through Innovation and Entrepreneurship, edition 127, pages 757-774, Springer.
    • Handle: RePEc:spr:sprchp:978-81-322-0746-7_62
    DOI: 10.1007/978-81-322-0746-7_62
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