E-banking in india: Exploring the evidences from selected regional rural banks

Abstract

To examine the current state of operations of E-Banking in Regional Rural Banks(RRBs) and to highlight the need for effective adoption of e-banking in RRBs as it could lead to transformation in rural credit the present study was undertaken. For this purpose, the study selected 5 RRBs out of the top 10 whose data was available in the public domain. The study adopted a content analysis method for analysing the statistics of e-banking indicators for 2010-11 to 2018-19 time period. The study also aimed to identify gaps on account of technological aspects in the rural credit. The data were complied from the annual reports of the RRBs. The results from the content analysis revealed that RRBs were having a poor framework and lack discipline in periodic and regular updating of the e-banking statistics. The study emphasised from the policy option that e-banking must be used as an indicator of banks performance.