International Journal of Science, Engineering and TechnologyAuthors: Dr.Pradnya P Surwade, Dr. Mahesh M Badve
Abstract: The banking industry is undergoing a rapid digital transformation, with e-banking emerging as a crucial service channel for both public and private sector banks. In India, the increased penetration of the internet, smartphones, and digital payment infrastructure has created a fertile ground for the growth of e-banking. However, the actual adoption rate of these services depends on multiple factors, including technological readiness, trust in security measures, and customer behavioural attitudes. In the context of the Jalgaon district, which has a diverse mix of urban and semi-urban populations, there exists a variation in technology awareness, banking habits, and security perceptions. While some customers actively embrace online banking for its convenience and speed, others remain hesitant due to concerns about cyber fraud, lack of digital literacy, or preference for traditional branch-based services. This study critically examines the technological, security, and behavioural factors that influence the adoption of e-banking among customers of selected banks in the Jalgaon district. It aims to provide insights into how these factors impact customer decisions, satisfaction levels, and long-term engagement with digital banking platforms. Additionally, the research seeks to compare adoption patterns across public and private sector banks, highlighting differences in customer expectations, service delivery, and trust levels.
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