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Internet banking refers the systems that enable the customers to access their accounts and general information on bank products and service through the use of a bank's website, without the intervention or inconvenience of sending letter, faxes original signatures. Internet banking as an "internet portal, through which customers can use different kinds of banking service ranging from bill payment to making investment". Thus internet banking is the use of internet by bank customers for transacting their banking transactions. In other words, it is the use of internet by banks to deliver banking transaction. In other words, it is the use of internet by banks to deliver banking services to customers irrespective of their geographical location. a traditional branch is estimated more than on the internet. The main advantage of internet banking for banks is that the cost per transaction is even lower than those of an ATM . This is primarily because internet banking as a delivery channel does not require physical infrastructure, thus saving on prohibitive real estate costs. Thus, banks are trying to get customers to switch over to this mode of banking ('Indian', 2002) Significance of the of Internet banking1. The customer gets quick services in low cost by using internet banking and the banker can provide financial services with quick and low cost through internet banking.2. The time is saving both the banker and customers through using internet banking.3. The customer gets safety for their money in internet banking the banker can get, the more customers, it helps to increase the new branches it also lead to increase the profit.4. The bank can increase the deposit and lending loan to the public through internet banking.5. The banker providing the services to the customer through the internet banking it is helping to reduce the paperwork, it helps to maintain good environment in the world.6. For those that have access to the internet and a computer all you need to do is proceed to your bank's website and login in. From there you have access to all of your accounts that you have at that bank. Transfer funds between your accounts with ease. You can also use online banking to see how much money you have in your accounts and where the money you have spent has gone. Review of literatureTommi Laukkanen, S uvi Sinkkonen, Pekka Laukkanen(2009) The author investigate how customers experiencing different kinds of resistance to Internet banking perceive the information and guidance offered by the service provider. A postal survey was conducted and 251 effective responses from Internet banking non-users were received. The results show that those customers reporting both functional and psychological resistance to Internet banking are more dissatisfied with the information and guidance offered by the service provider compared to those with only psychological resistance or no resistance to the innovation. Communication strategies to reduce and overcome different kinds of resistance to Internet banking are proposed. M ario M artínez

This study explores the consumer emotional attachment to the brand. A brand that can build up an emotional attachment with consumers plays a significant role in building up an emotional attachment and bonding in the market domain. The research paper used the CHAID, the decision tree method appears in the literature review with different names as automatic interaction detection, classification and regression tree, artificial neural network and genetic algorithm to evaluate the brand experience and attachment level, which create an emotional link with consumers, which are categorized in two groups i.e. Mediocre and Obsession. In this paper the selected observations for demographic and socio-psychological characteristics of respondents in creating the classification model for the identification of consumers’ emotional attachment towards the Patanjali brand for different categories of products were examined and evaluated. Our finding suggests the mechanism CHAID decision tree method, was used to verify the emotional attachment level of respondents. The dependency analysis between the selected personal, characterizes emotional values and consumer emotional attachment (based on obsession and mediocre) conducted on a sample of 126 respondents of Patanjali product consumers. In this decision tree method, the duration of the experience was the variable that strongly interacted with the consumer emotional attachment variable. The research paper attempts to reveal the concept of emotional value proposition ie. Emotion based brand positioning can establish the consumer – brand linkages at the emotional level. The parameter- duration and long experience with the consumption of products, makes consumers satisfied towards a product, moreover that product develops sentiment and emotional values in the consumer’s mind. This research work helps the manufacturers to develop the various sentiment value associated with consumers refer to the product, which could ultimately build up a strong emotional positioning in the minds of consumers moreover it will boost up the sales volume of the product.

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