Title: A Study on the Perception of the Employees of Public Sector Banks on the Role of Technology for Furthering Financial Inclusion
Authors: Komal B. Sidhnani1, Dr. Gurmeetsingh Sikh2
About The Authors
1Assistant Professor, Faculty of Management, GLS University, GLS Campus, Opp. Law Garden, Ellis Bridge, Ahmedabad - 6, Gujarat, India.
2Associate Professor, Faculty of Management, GLS University, GLS Campus, Opp. Law Garden, Ellis Bridge, Ahmedabad - 6, Gujarat, India.
Over the period of time many policies have been developed and many schemes have been launched in order to boost financial inclusion. Most significant developments have been done in terms of banking technologies. In this research paper, the supply side perspective of bankers with regards to the role of technology in furthering financial inclusion is studied. It has been observed in the literature that many studies have been conducted so far which focused on demand side aspects of financial inclusion. However, there exists a significant gap with regards to the study of supply side perception. Here, in this research the perception of employees of State Bank of India (SBI) and Bank of Baroda (BOB) is known about the use of ATM, Debit/Credit Card, Internet Banking, Tele banking, Mobile application and SMS Banking for financial inclusion. The data is collected with the help of structured questionnaire and is analysed using one sample t-test. The result of the study shows that majority of the bankers have affirmed that banking technology helps them in meeting the financial inclusion goals in relatively easier and smooth manner. They have also affirmed that customers are fairly aware about the banking technologies.