期刊名称：International Journal of Computer Science & Technology
印刷版ISSN：2229-4333
电子版ISSN：0976-8491
出版年度：2016
卷号：7
期号：1
页码：43-48
语种：English
出版社：Ayushmaan Technologies
摘要：In the era of deregulation, privatisation and globalisation, the Indian public banks are now looking at the technology route to stay ahead in the competition. So far the private banks have been the winners but now the public sector banks are rapidly catching up with the technology adoption. India is formulating regulatory and technological standards to make banking a secure and pleasant experience. But Indian public banks have a long way to go. In India, very few banks have been successful in developing effective strategies for fully exploiting the opportunities offered by the electronic channels. For public banks to define what niche markets to serve and decide what products/services to offer, there is a need for a clear and e-business strategy. The findings clearly indicate that public banks are plagued by infrastructure problems, poor PC penetration, poor telecommunication network policies and slow paced regulatory initiatives. However, the banks are optimistic that these would be taken care of and in the near future large numbers would start using Internet for banking purposes.
