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Asian Journal of Management
Year : 2016, Volume : 7, Issue : 1
First page : ( 17) Last page : ( 22)
Print ISSN : 0976-495X. Online ISSN : 2321-5763.
Article DOI : 10.5958/2321-5763.2016.00003.2

A Study on Customer Perception Towards Usage of Debit Cards in Chhattisgarh

Dr. Smt. Pandey B. B1,*, Mrs. Nirala Chandrawati2,**

1Assistant Professor, Guru Ghasidas Vishwavidyalaya, Bilaspur (C.G.)

2Research Scholar, Guru Ghasidas Vishwavidyalaya, Bilaspur (C.G.)

*Corresponding Author E-mail: its.drbbpandey@gmail.com


Online published on 18 April, 2016.



Increase use of debit cards transforms India as a cashless economy. Instead of (paper note and coins) currency now people uses various kinds of plastic card to purchase goods and services. Now customers do not have access cash through ATM or credit cards. Electronic fund transfer at point of scale(Debit card) network facility provided by merchants for customers to direct pay from Debit card to merchant for goods.


The objective of the study to find of perception of customer regarding usage of various services of Debit cards, benefit of using Debit card, Usage of Debit card in different segments, problem customer faces while using Debit card.

Research Methodology

For this study Simple random sampling technique is using and prepared structured questionnaire for primary data collection, sample size for this study is 90.


The purpose of study is to find perception of debit card customer in Chhattisgarh.


Customer uses debit card to withdrawn cash from ATM machine and for card payment at point of sale. Major benefit of using Debit card is: It is safe, Convenient and easy to use. Major problem Debit card holder were faces was limited withdrawn amount, long queue outside ATM machine. Usage of debit card is more in retail store and flight ticket booking.



Debit card, Electronic fund transfer, Credit card and ATM.


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