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Asian Journal of Management
Year : 2018, Volume : 9, Issue : 1
First page : ( 217) Last page : ( 222)
Print ISSN : 0976-495X. Online ISSN : 2321-5763.
Article DOI : 10.5958/2321-5763.2018.00033.1

Mobile Banking: Pain or Gain


Research Scholar, Department of Commerce, D.A.V. PG College, (CSJMU), Kanpur

*Corresponding Author E-mail: rudrasush143@gmail.com

Online published on 2 June, 2018.


Mobile Banking was a service provided by Banks which came into existence in early of 1997, when bank sent customers SMSalert regarding their account. (Tomi T. Ahonen and Jeo Barrett, in their book “Service for UMTS: Creating Killer Applications in 3G) Mobile banking is also a service provided by banks or other financial institutions to allow its customers to use Smartphones and other cellular devices to perform online banking tasks. The services offered by bank in Mobile Banking include administering your bank account, make online transactions, view and customize your account etc. After launch of Mobile banking in India, mobile banking transactions have seen some growth. But this growth showed a great hike, after application of Demonetization in the month of November 2016 by Government of India. Various factors that affected Indian Banking Sector for adoption of Mobile Banking were due to the wide results in service quality, managerial decisions, operational performance, profitability and productivity of the banks. Indian customers still prefer traditional ways of banking due to Illiteracy, lack of knowledge of mobile banking, limited knowledge and various other reasons. In order to overcome this drawback of mobile banking and run it effectively, proper care may be taken care of and adequate steps to be taken to improve the quality services of mobile banking.



Mobile banking, Telecom, E-Banking, Internet Banking, Tele Banking.


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