A STUDY ON DIGITAL TRANSACTIONS IMPACT ON FINANCIAL PERFORMANCE OF BANKING SECTOR WITH REFERENCE TO SBI AND ICICI

Vijayalakshmi B () and Jayalakshmi M
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Vijayalakshmi B: Departmement of Business Management Sri Padmavati Mahila Visvavidyalayam (Women’s University) Tirupati-517502, India
Jayalakshmi M: Dept of Business Management, Sri Padmavati Mahila Visvavidyalayam (Women’s University), Tirupati-517502, India

Journal of Internet Banking and Commerce, 2019, vol. 24, issue 03, 01-13

Abstract: Digital adaptation started off as an option but has evolved into a necessity in every bank’s agenda around the globe as end-clients such as consumers, businesses, and governments are quickly adopting trends cascading from the technology sector in their IT capabilities, business operations, and business models. The present study focused on the Banking Digital transactions and its impact on the financial performance of public and private banking sector with reference to SBI and ICICI. The digital transactions such as ATM, NEFT, RTGS and Mobile transactions etc. are all remarkable landmarks in the digital revolution in the banking sector. Therefore, the study compares the Operational Profitability by the means of different parameters among two banking sector for the period 2016-17 and 2017-2018. In this study, we explore in-depth the digital phenomenon developing in the transaction banking landscape by identifying technology trends and changes as well as the impact of this digital transactions on the financial performance of the banking sector.

Keywords: ATM Transactions; Banking Technology Index; Digital Transactions; Mobile Transactions; NEFT; RTGS (search for similar items in EconPapers)
JEL-codes: A11 (search for similar items in EconPapers)
Date: 2019
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