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ZENITH International Journal of Multidisciplinary Research
Year : 2012, Volume : 2, Issue : 5
First page : ( 232) Last page : ( 243)
Print ISSN : 0000-0000. Online ISSN : 2231-5780.

IT enabled banking services in the globalised ERA

Dr. Selvi V. Darling

Assistant Professor of Commerce, Rani Anna Government College for Women, Tirunelveli – 627008, Tamil Nadu, India


In India the Banking scenario has undergone tremendous changes and they are facing tough competition in the post liberalization environment. The Banking today is something innovative which could not be imagined before two decades. In the competitive regime the Information Technology is the backbone of the banking activities. Information is at the heart of today‘s business, and the all-pervasive impact of Information Technology in harnessing, collating and processing huge volumes of information is definitive. It is important to note that presently almost 98 per cent of the branches of public sector banks are fully computerized, and within which almost 90 per cent of the branches are on core banking platform. In this context, the author tries to bring out the growth of IT enabled services of Indian banking industry by taking computerization of banks, reach of ATMs area wise, bank wise and location wise and the usage of Debit and Credit Cards. The author applied the statistical tools like Trend analysis, percentage analysis, correlation analysis, coefficient of determination and exponential growth rates beside the use of charts and tables. The conclusion derived from the paper is that there is a tremendous growth of technological applications in the banking sector except in the usage of credit cards.



ATMs, Banking, Computerization, Credit Cards, Debit Cards, Technology, Trend.


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