Perception of urban and rural working women towards e-banking

Abstract

The research study on "Perception of urban and rural working women towards e-banking services" was executed during the year of 2019-20. A total of 180 samples from two talukas were selected through purposive random sampling method and sub sample of 90 urban and 90 rural working women were selected. The self-structured schedule was used to collect required information. The statistical techniques like, frequency, percentage, correlation and t-test were used to analyse demographic variables, its relationship with perception of urban and rural working women about e-banking and to see the difference. The findings of the study revealed that majority the urban and rural respondents belonged to young age group and were graduates. Urban and Rural respondents belonged to upper middle class. Majority of the urban respondents perceived e-banking as very useful, convenient, efficient to do banking activity, easy to learn and easy to use. They perceived ebanking as trust worthy and self efficient to use. In rural area less number of the respondents perceived e-banking as very useful, convenient and efficient to do banking activity. Significant difference was observed between rural and urban working women's perception towards ebanking services with t-value 3.658. The mean score of urban area was higher (62.10±8.482) compared to rural area (57.35±8.914). As rural respondents had less exposure, less knowledge, awareness towards new e-banking services and not adopted any of the e-banking facility except ATM as compared to urban women. So the rural respondents had negative perception towards e-banking services. Urban respondents had more positive perception towards e-banking services compared to rural respondents.