Ratail Banking

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lmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \tql \tx3330 \itap0
\fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs21 \kerning2 \dbch \af3 \h
ich \af0 \loch \f0 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \
adjustright \lin0 \rin0 \tql \tx810 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0
\loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp10
33 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin
0 \rin0 \tql \tx810 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs
plain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \tql \tx
810 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \db
ch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \ql \li0 \
ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \tql \tx810 \itap0 \fs21
\kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \a
f0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sl360 \slmu
lt1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \tql \tx5970 \itap0 \f
s21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich
\af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \sl360 \slmult1 \widctlpar \asp
alpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \
af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0
}{\fs40 \kerning2 \dbch \af3 \hich \af0 \loch \f0
}{\fs40 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li
0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning
2 \dbch \af3 \hich \af0 \loch \af0 {\fs28 \kerning2 \dbch \af8 \hich \af0 \loch
\f0 \lang9 \langnp9 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar
\adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0
{\fs28 \kerning2 \dbch \af8 \hich \af0 \loch \f0 \lang9 \langnp9 \par }\pard \p
lain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \f
\af0 \loch \f0 \lang9 \langnp9 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \
nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af
0 \loch \af0 {\fs28 \kerning2 \dbch \af8 \hich \af0 \loch \f0 \lang9 \langnp9 \p
ar }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \ri
n0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs28 \kerning2 \dbc
h \af8 \hich \af0 \loch \f0 \lang9 \langnp9 \par }\pard \plain \qj \li0 \ri0 \sa
200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \a
f3 \hich \af0 \loch \af0 {\fs28 \kerning2 \dbch \af8 \hich \af0 \loch \f0 \lang9
\langnp9 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustrig
ht \lin0 \rin0 \tql \tx2566 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \
af0 {\fs28 \kerning2 \dbch \af8 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par
}\pard \plain \qj \li0 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjust
right \lin0 \rin0 \tql \tx5970 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loc
h \af0 {\b1 \fs52 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp103
3
}{\b1 \fs52 \kerning2 \dbch \af3 \hich \af0 \loch \f0 Student\uc1 \
u8217 ?s declaration
}{\b1 \fs52 \kerning2 \dbch \af3 \hich \af0 \loch
\f0 \par }\pard \plain \qj \li0 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspn
um \adjustright \lin0 \rin0 \tql \tx5970 \itap0 \fs21 \kerning2 \dbch \af3 \hich
\af0 \loch \af0 {\fs21 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \p
lain \qj \li0 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \li
n0 \rin0 \tql \tx5970 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\
fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 This is to certify that I}{\fs24
\kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 ,}{\fs24 \kernin
g2 \dbch \af3 \hich \af0 \loch \f0 }{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0
\loch \f0 \lang1033 \langnp1033 Manpreet}{\b1 \fs24 \kerning2 \dbch \af3 \hich \
af0 \loch \f0 Kaur}{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang10
33 \langnp1033 ,}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 student of }{
\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 MBA 4}{\b1 \fs24 \kerning2 \
dbch \af3 \hich \af0 \loch \f0 \super1 th}{\b1 \fs24 \kerning2 \dbch \af3 \hich
\af0 \loch \f0 Sem}{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang10
33 \langnp1033 ester}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 has prepa
red a report on the topic }{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0
\lang1033 \langnp1033 Retail Banking in India.}{\fs24 \kerning2 \dbch \af3 \hich
\af0 \loch \f0 The matter concerned in the report is thoroughly taken by the w
ays mentioned in the Bibliography at the end. The work been performed is origina
l and authenticated.\uc1 \u160 ?}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f
0 \line }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \uc1 \u160 ?
}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain
\qj \li0 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \
rin0 \tql \tx5970 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24
\kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \sl3
60 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \
\loch \f0 Dat}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langn
p1033 e}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \uc1 \u8230 ?\uc1 \u823
0 ?..
}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
Manpreet Kaur}{\fs24 \kerning
2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \
li0 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \
tql \tx5970 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kern
ing2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 }{\fs24 \kerning2 \d
bch \af3 \hich \af0 \loch \f0
}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
MBA }{\fs21 \kerning2 \dbch \af3 \hich \af0 \loch \f0 4}{\fs21 \kerning2 \db
ch \af3 \hich \af0 \loch \f0 \super1 th}{\fs21 \kerning2 \dbch \af3 \hich \af0 \
loch \f0 }{\fs21 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp103
3 }{\fs21 \kerning2 \dbch \af3 \hich \af0 \loch \f0 Sem}{\fs21 \kerning2 \dbch
\af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \sl360 \slmult1 \widc
tlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \tql \tx5970 \itap0 \fs21 \kern
ing2 \dbch \af3 \hich \af0 \loch \af0 {\fs21 \kerning2 \dbch \af3 \hich \af0 \lo
}{\fs21 \kerning2 \dbch \af3 \
hich \af0 \loch \f0 \tab }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang
1033 \langnp1033
Roll no. 1173160
}{\fs2
4 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
}{\
\sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \tql \tx59
70 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbc
}{\fs24 \kerning2 \dbch
\af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
\af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \sl360 \slmult1 \wid
ctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \
af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0
}{\fs40 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \pl
ain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \tql \tx25
66 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b1 \fs52 \kerning2
\dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
}{\b1 \fs52 \kerning2
\dbch \af3 \hich \af0 \loch \f0 }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch
\f0 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \li
fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0
}{\fs24 \kern
ing2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \ql \li0 \ri0 \sa200 \li
sa0 \nowidctlpar \adjustright \lin0 \rin0 \tql \tx2566 \itap0 \fs21 \kerning2 \d
bch \af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0
\par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \
\kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \ql \li0 \ri0 \sa2
00 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \tql \tx2566 \itap0 \fs21 \kerni
ng2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loc
h \f0 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \
lin0 \rin0 \tql \tx2566 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0
{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \ql \li0 \ri
0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \tql \tx2566 \itap0 \fs21
0 \loch \f0 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustr
ight \lin0 \rin0 \tql \tx2566 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch
\af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \ql \l
i0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \tql \tx2566 \itap0
ch \af0 \loch \f0 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \a
djustright \lin0 \rin0 \tql \tx2566 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0
\loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain
\ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \tql \tx2566 \
itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \a
f3 \hich \af0 \loch \f0 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \nowidctl
par \adjustright \lin0 \rin0 \tql \tx2566 \itap0 \fs21 \kerning2 \dbch \af3 \hic
h \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \
2566 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \d
bch \af3 \hich \af0 \loch \f0 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \no
widctlpar \adjustright \lin0 \rin0 \tql \tx810 \itap0 \fs21 \kerning2 \dbch \af3
\hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang103
3 \langnp1033 }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \lan
gnp1033 \par }\pard \plain \qj \li0 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \a
spnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loc
h \af0 {\b1 \fs52 \kerning2 \dbch \af3 \hich \af0 \loch \f0 }{\b1 \fs52 \kernin
g2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
}{\b1 \fs52 \ke
rning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain
\qj \li0 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \r
}{\b1 \fs52 \k
erning2 \dbch \af3 \hich \af0 \loch \f0 Acknowledgement}{\b1 \fs52 \kerning2 \d
bch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \sl360 \slmult1 \
widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \tql \tx1140 \itap0 \fs21 \
\loch \f0 }{\fs32 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \tab }{\fs32 \kern
ing2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \sl360 \sl
mult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \tql \tx1140 \itap0
ch \af0 \loch \f0 We would like to thank God for showering his choices}{\fs24 \k
erning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 t}{\fs24 \kerning2
\dbch \af3 \hich \af0 \loch \f0 blessing on me,without which, I would have nev
er been what I am today. I would like to thank my parents for everything they ha
ve done for me . I express my heartfelt gratitude to all the teachers especiall
y . }{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 M}{\b1 \fs24 \kerning2
\dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 rs}{\b1 \fs24 \kerning2 \
dbch \af3 \hich \af0 \loch \f0 . }{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \lo
ch \f0 \lang1033 \langnp1033 Navpreet }{\b1 \fs24 \kerning2 \dbch \af3 \hich \af
0 \loch \f0 Kaur}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 who has given
me proper direction & helped me.}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \
f0 \par }\pard \plain \qj \li0 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum
\adjustright \lin0 \rin0 \tql \tx1140 \itap0 \fs21 \kerning2 \dbch \af3 \hich \
af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 I also thank the
staff members of Management}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \l
ang1033 \langnp1033 }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 Departmen
t for their encouragement & co-operation.I express my heartfelt thank to members
of library Department.}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\
pard \plain \qj \li0 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustri
ght \lin0 \rin0 \tql \tx1140 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch
\af0 {\fs21 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li
0 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \tq
l \tx1140 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs21 \kernin
g2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \sl360 \slmu
lt1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \tql \tx1140 \itap0 \f
\af0 \loch \f0 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adj
ustright \lin0 \rin0 \tql \tx810 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \l
och \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
\kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \pla
in \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \tql \tx810
\itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbch
\af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \ql \li0 \ri0
\sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \tql \tx810 \itap0 \fs21 \k
erning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0
\loch \f0 \lang1033 \langnp1033 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \
nowidctlpar \adjustright \lin0 \rin0 \tql \tx810 \itap0 \fs21 \kerning2 \dbch \a
033 \langnp1033 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adj
in \qj \li0 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0
\rin0 \tql \tx1350 \tql \tx1380 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \l
och \af0 {\b1 \fs40 \kerning2 \dbch \af3 \hich \af0 \loch \f0 }{\b1 \fs40 \kern
ing2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
}{\b1 \fs52 \k
erning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
}{\b1 \fs52 \
kerning2 \dbch \af3 \hich \af0 \loch \f0 Guide Certificat}{\b1 \fs52 \kerning2
\dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 e}{\b1 \fs52 \kerning2 \db
ch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \sl360 \slmult1 \w
idctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch
\af3 \hich \af0 \loch \af0 {\fs21 \kerning2 \dbch \af3 \hich \af0 \loch \f0
}{\fs21 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \l
i0 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \i
tap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \af
3 \hich \af0 \loch \f0 This is to certify that the term paper entitle }{\b1 \fs2
4 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \uc1 \u8220 ?}{\b1 \fs24 \kerning2 \
dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 Retail Banking in India}{\b
1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \uc1 \u8221 ?}{\fs24 \kerning2
\dbch \af3 \hich \af0 \loch \f0 submit}{\fs24 \kerning2 \dbch \af3 \hich \af0
\loch \f0 \lang1033 \langnp1033 }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \
f0 by}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 }{
\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 Manpre
et}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 }{\b1 \fs24 \kerning2 \dbch
\af3 \hich \af0 \loch \f0 Kaur}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0
of }{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 MBA 4}{\b1 \fs24 \k
erning2 \dbch \af3 \hich \af0 \loch \f0 \super1 th}{\b1 \fs24 \kerning2 \dbch \a
f3 \hich \af0 \loch \f0 Sem}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 t
o }{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 M}{\b1 \fs24 \kerning2 \
dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 rs}{\b1 \fs24 \kerning2 \db
ch \af3 \hich \af0 \loch \f0 .}{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch
\f0 \lang1033 \langnp1033 Navpreet}{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \
loch \f0 Kaur }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 , is carried ou
t by her under my guidance & supervision.To the best of my knowledge & informati
on , no record is reproduced earlier or elsewhere.
}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \p
lain \qj \li0 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \li
n0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerning
2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0
\nowidctlpar \adjustright \lin0 \rin0 \tql \tx2566 \itap0 \fs21 \kerning2 \dbch
\af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0
}{\fs24 \kerning2 \
dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \n
owidctlpar \adjustright \lin0 \rin0 \tql \tx2566 \itap0 \fs21 \kerning2 \dbch \a
033 \langnp1033
( Project Guide)}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \l
angnp1033 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustrig
}\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0
ning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \ql \li0 \ri0 \sa200 \l
isa0 \nowidctlpar \adjustright \lin0 \rin0 \tql \tx2566 \itap0 \fs21 \kerning2 \
\lang1033 \langnp1033 Date}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \uc
1 \u8230 ?\uc1 \u8230 ?.
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tlpar \adjustright \lin0 \rin0 \tql \tx2566 \itap0 \fs21 \kerning2 \dbch \af3 \h
ich \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard
\plain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \tql \
tx2566 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerning2
\dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \
nowidctlpar \adjustright \lin0 \rin0 \tql \tx2566 \itap0 \fs21 \kerning2 \dbch \
af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par
ning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \ql \li0 \ri0 \sa200 \l
\par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0
\rin0 \tql \tx2566 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs2
4 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \ql \li0 \ri0 \sa
200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \tql \tx2566 \itap0 \fs21 \kern
ch \f0 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright
\lin0 \rin0 \tql \tx810 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0
{\b1 \fs40 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
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h \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \ql \li0 \r
i0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \tql \tx810 \itap0 \fs21
0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0
\af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lan
g1033 \langnp1033 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \a
3 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0
4 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \p
lain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \tql \tx8
3 \par }\pard \plain \qj \li0 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum
\adjustright \lin0 \rin0 \tql \tx1140 \itap0 \fs21 \kerning2 \dbch \af3 \hich \a
f0 \loch \af0 {\b1 \fs52 \kerning2 \dbch \af3 \hich \af0 \loch \f0
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b1 \fs52 \kerning2 \dbch \af3 \hich \af0 \loch \f0 }{\b1 \fs52 \kerning2 \dbch
\af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 INDEX}{\b1 \fs52 \kerning2 \dbch
\af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \widctlpar \aspalpha
\aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \
loch \af0 {\fs21 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \q
j \li360 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin360
1 \kerning2 \dbch \af3 \hich \af0 \loch \f0 }{\fs21 \kerning2 \dbch \af3 \hich
\af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \widctlpar \aspalpha \aspnum \ad
justright \lin0 \rin0 \phpg \pvpara \posx1839 \posy104 \intbl1 \itap1 \fs21 \ker
ning2 \dbch \af3 \hich \af0 \loch \af0 \trowd \trql \trgaph0 \trrh334 \trleft-10
8 \trbrdrt \brdrs \brdrw10 \trbrdrb \brdrs \brdrw10 \trbrdrl \brdrs \brdrw10 \tr
brdrr \brdrs \brdrw10 \trbrdrh \brdrs \brdrw10 \trbrdrv \brdrs \brdrw10 \tdfrmtx
tLeft180 \tdfrmtxtRight180 \tpvpara \tphpg \tposx1839 \tposy104 \tabsnoovrlp1 \t
rftsWidth1 \trftsWidthB3 \trftsWidthA3 \trpaddl108 \trpaddr108 \trpaddfl3 \trpad
dft3 \trpaddfb3 \trpaddfr3 \clvertalt \clbrdrl \brdrs \brdrw10 \clbrdrr \brdrs \
brdrw10 \clbrdrt \brdrs \brdrw10 \clbrdrb \brdrs \brdrw10 \cltxlrtb \cellx567 \c
lvertalt \clbrdrl \brdrs \brdrw10 \clbrdrr \brdrs \brdrw10 \clbrdrt \brdrs \brdr
w10 \clbrdrb \brdrs \brdrw10 \cltxlrtb \cellx5466 \clvertalt \clbrdrl \brdrs \br
drw10 \clbrdrr \brdrs \brdrw10 \clbrdrt \brdrs \brdrw10 \clbrdrb \brdrs \brdrw10
\cltxlrtb \cellx8847 \trowd \trql \trgaph0 \trleft0 \tdfrmtxtLeft180 \tdfrmtxtR
ight180 \trftsWidth1 \trftsWidthB3 \trftsWidthA3 \trpaddfl3 \trpaddft3 \trpaddfb
3 \trpaddfr3 {\b1 \fs28 \kerning2 \dbch \af3 \hich \af0 \loch \f0 S No.}{\b1 \fs
28 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \cell }\pard \plain \qj \li0 \ri0 \
widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \phpg \pvpara \posx1839 \po
sy104 \intbl1 \itap1 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 \trowd \tr
ql \trgaph0 \trleft0 \tdfrmtxtLeft180 \tdfrmtxtRight180 \trftsWidth1 \trftsWidth
B3 \trftsWidthA3 \trpaddfl3 \trpaddft3 \trpaddfb3 \trpaddfr3 {\b1 \fs28 \kerning
2 \dbch \af3 \hich \af0 \loch \f0 Particulars}{\b1 \fs28 \kerning2 \dbch \af3 \h
ich \af0 \loch \f0 \cell }\pard \plain \qj \li0 \ri0 \widctlpar \aspalpha \aspnu
m \adjustright \lin0 \rin0 \phpg \pvpara \posx1839 \posy104 \intbl1 \itap1 \fs21
\kerning2 \dbch \af3 \hich \af0 \loch \af0 \trowd \trql \trgaph0 \trleft0 \tdfr
mtxtLeft180 \tdfrmtxtRight180 \trftsWidth1 \trftsWidthB3 \trftsWidthA3 \trpaddfl
3 \trpaddft3 \trpaddfb3 \trpaddfr3 {\b1 \fs28 \kerning2 \dbch \af3 \hich \af0 \l
och \f0 Page No.}{\b1 \fs28 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\par
d \plain \qj \li0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \ph
pg \pvpara \posx1839 \posy104 \intbl1 \itap1 \fs21 \kerning2 \dbch \af3 \hich \a
f0 \loch \af0 \trowd \trql \trgaph0 \trleft0 \tdfrmtxtLeft180 \tdfrmtxtRight180
\trftsWidth1 \trftsWidthB3 \trftsWidthA3 \trpaddfl3 \trpaddft3 \trpaddfb3 \trpad
dfr3 {\b1 \fs28 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \cell }\pard \plain \q
j \li0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \intbl1 \itap1
\fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 \trowd \trql \trgaph0 \trrh334
\trleft-108 \trbrdrt \brdrs \brdrw10 \trbrdrb \brdrs \brdrw10 \trbrdrl \brdrs \
brdrw10 \trbrdrr \brdrs \brdrw10 \trbrdrh \brdrs \brdrw10 \trbrdrv \brdrs \brdrw
10 \tdfrmtxtLeft180 \tdfrmtxtRight180 \tpvpara \tphpg \tposx1839 \tposy104 \tabs
noovrlp1 \trftsWidth1 \trftsWidthB3 \trftsWidthA3 \trpaddl108 \trpaddr108 \trpad
dfl3 \trpaddft3 \trpaddfb3 \trpaddfr3 \clvertalt \clbrdrl \brdrs \brdrw10 \clbrd
rr \brdrs \brdrw10 \clbrdrt \brdrs \brdrw10 \clbrdrb \brdrs \brdrw10 \cltxlrtb \
cellx567 \clvertalt \clbrdrl \brdrs \brdrw10 \clbrdrr \brdrs \brdrw10 \clbrdrt \
brdrs \brdrw10 \clbrdrb \brdrs \brdrw10 \cltxlrtb \cellx5466 \clvertalt \clbrdrl
\brdrs \brdrw10 \clbrdrr \brdrs \brdrw10 \clbrdrt \brdrs \brdrw10 \clbrdrb \brd
rs \brdrw10 \cltxlrtb \cellx8847 \row \pard \plain \qj \li0 \ri0 \widctlpar \asp
alpha \aspnum \adjustright \lin0 \rin0 \phpg \pvpara \posx1839 \posy104 \intbl1
\itap1 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 \trowd \trql \trgaph0 \t
rleft0 \tdfrmtxtLeft180 \tdfrmtxtRight180 \trftsWidth1 \trftsWidthB3 \trftsWidth
A3 \trpaddfl3 \trpaddft3 \trpaddfb3 \trpaddfr3 {\b1 \fs28 \kerning2 \dbch \af3 \
hich \af0 \loch \f0 \cell }\pard \plain \qj \li0 \ri0 \widctlpar \aspalpha \aspn
um \adjustright \lin0 \rin0 \phpg \pvpara \posx1839 \posy104 \intbl1 \itap1 \fs2
1 \kerning2 \dbch \af3 \hich \af0 \loch \af0 \trowd \trql \trgaph0 \trleft0 \tdf
rmtxtLeft180 \tdfrmtxtRight180 \trftsWidth1 \trftsWidthB3 \trftsWidthA3 \trpaddf
l3 \trpaddft3 \trpaddfb3 \trpaddfr3 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch
\f0 \lang1033 \langnp1033 Pre}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0
f}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 ace}{\f
s28 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \cell }\pard
\plain \qj \li0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \php
g \pvpara \posx1839 \posy104 \intbl1 \itap1 \fs21 \kerning2 \dbch \af3 \hich \af
0 \loch \af0 \trowd \trql \trgaph0 \trleft0 \tdfrmtxtLeft180 \tdfrmtxtRight180 \
trftsWidth1 \trftsWidthB3 \trftsWidthA3 \trpaddfl3 \trpaddft3 \trpaddfb3 \trpadd
fr3 {\b1 \fs28 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 ii}{\
b1 \fs28 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \cell }
\pard \plain \qj \li0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0
\intbl1 \itap1 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 \trowd \trql \t
rgaph0 \trrh334 \trleft-108 \trbrdrt \brdrs \brdrw10 \trbrdrb \brdrs \brdrw10 \t
rbrdrl \brdrs \brdrw10 \trbrdrr \brdrs \brdrw10 \trbrdrh \brdrs \brdrw10 \trbrdr
v \brdrs \brdrw10 \tdfrmtxtLeft180 \tdfrmtxtRight180 \tpvpara \tphpg \tposx1839
\tposy104 \tabsnoovrlp1 \trftsWidth1 \trftsWidthB3 \trftsWidthA3 \trpaddl108 \tr
paddr108 \trpaddfl3 \trpaddft3 \trpaddfb3 \trpaddfr3 \clvertalt \clbrdrl \brdrs
\brdrw10 \clbrdrr \brdrs \brdrw10 \clbrdrt \brdrs \brdrw10 \clbrdrb \brdrs \brdr
w10 \cltxlrtb \cellx567 \clvertalt \clbrdrl \brdrs \brdrw10 \clbrdrr \brdrs \brd
rw10 \clbrdrt \brdrs \brdrw10 \clbrdrb \brdrs \brdrw10 \cltxlrtb \cellx5466 \clv
ertalt \clbrdrl \brdrs \brdrw10 \clbrdrr \brdrs \brdrw10 \clbrdrt \brdrs \brdrw1
0 \clbrdrb \brdrs \brdrw10 \cltxlrtb \cellx8847 \row \pard \plain \qj \li0 \ri0
\widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \phpg \pvpara \posx1839 \p
osy104 \intbl1 \itap1 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 \trowd \t
rql \trgaph0 \trleft0 \tdfrmtxtLeft180 \tdfrmtxtRight180 \trftsWidth1 \trftsWidt
hB3 \trftsWidthA3 \trpaddfl3 \trpaddft3 \trpaddfb3 \trpaddfr3 {\b1 \fs28 \kernin
}{\b1 \fs28 \kerning
2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \cell }\pard \plain \qj
\li0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \phpg \pvpara \p
osx1839 \posy104 \intbl1 \itap1 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0
\trowd \trql \trgaph0 \trleft0 \tdfrmtxtLeft180 \tdfrmtxtRight180 \trftsWidth1
\trftsWidthB3 \trftsWidthA3 \trpaddfl3 \trpaddft3 \trpaddfb3 \trpaddfr3 {\fs24 \
kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 Student's Declara
tion}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \cel
l }\pard \plain \qj \li0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin0 \r
in0 \phpg \pvpara \posx1839 \posy104 \intbl1 \itap1 \fs21 \kerning2 \dbch \af3 \
hich \af0 \loch \af0 \trowd \trql \trgaph0 \trleft0 \tdfrmtxtLeft180 \tdfrmtxtRi
ght180 \trftsWidth1 \trftsWidthB3 \trftsWidthA3 \trpaddfl3 \trpaddft3 \trpaddfb3
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33
iii}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp103
3 \cell }\pard \plain \qj \li0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \l
in0 \rin0 \intbl1 \itap1 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 \trowd
\trql \trgaph0 \trrh334 \trleft-108 \trbrdrt \brdrs \brdrw10 \trbrdrb \brdrs \b
rdrw10 \trbrdrl \brdrs \brdrw10 \trbrdrr \brdrs \brdrw10 \trbrdrh \brdrs \brdrw1
0 \trbrdrv \brdrs \brdrw10 \tdfrmtxtLeft180 \tdfrmtxtRight180 \tpvpara \tphpg \t
posx1839 \tposy104 \tabsnoovrlp1 \trftsWidth1 \trftsWidthB3 \trftsWidthA3 \trpad
dl108 \trpaddr108 \trpaddfl3 \trpaddft3 \trpaddfb3 \trpaddfr3 \clvertalt \clbrdr
l \brdrs \brdrw10 \clbrdrr \brdrs \brdrw10 \clbrdrt \brdrs \brdrw10 \clbrdrb \br
drs \brdrw10 \cltxlrtb \cellx567 \clvertalt \clbrdrl \brdrs \brdrw10 \clbrdrr \b
rdrs \brdrw10 \clbrdrt \brdrs \brdrw10 \clbrdrb \brdrs \brdrw10 \cltxlrtb \cellx
5466 \clvertalt \clbrdrl \brdrs \brdrw10 \clbrdrr \brdrs \brdrw10 \clbrdrt \brdr
s \brdrw10 \clbrdrb \brdrs \brdrw10 \cltxlrtb \cellx8847 \row \pard \plain \qj \
li0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \phpg \pvpara \po
sx1839 \posy104 \intbl1 \itap1 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0
\trowd \trql \trgaph0 \trleft0 \tdfrmtxtLeft180 \tdfrmtxtRight180 \trftsWidth1 \
trftsWidthB3 \trftsWidthA3 \trpaddfl3 \trpaddft3 \trpaddfb3 \trpaddfr3 {\b1 \fs2

8 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \cell }\pard \plain \qj \li0 \ri0 \w
idctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \phpg \pvpara \posx1839 \pos
y104 \intbl1 \itap1 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 \trowd \trq
l \trgaph0 \trleft0 \tdfrmtxtLeft180 \tdfrmtxtRight180 \trftsWidth1 \trftsWidthB
3 \trftsWidthA3 \trpaddfl3 \trpaddft3 \trpaddfb3 \trpaddfr3 {\fs24 \kerning2 \db
ch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 Acknowledgement}{\fs24 \kerni
ng2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \cell }\pard \plain \q
j \li0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \phpg \pvpara
\posx1839 \posy104 \intbl1 \itap1 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \a
f0 \trowd \trql \trgaph0 \trleft0 \tdfrmtxtLeft180 \tdfrmtxtRight180 \trftsWidth
1 \trftsWidthB3 \trftsWidthA3 \trpaddfl3 \trpaddft3 \trpaddfb3 \trpaddfr3 {\b1 \
fs28 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
}{\fs24
\kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 iv}{\b1 \fs28 \
kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \cell }\pard \pla
in \qj \li0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \intbl1 \
itap1 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 \trowd \trql \trgaph0 \tr
rh334 \trleft-108 \trbrdrt \brdrs \brdrw10 \trbrdrb \brdrs \brdrw10 \trbrdrl \br
drs \brdrw10 \trbrdrr \brdrs \brdrw10 \trbrdrh \brdrs \brdrw10 \trbrdrv \brdrs \
brdrw10 \tdfrmtxtLeft180 \tdfrmtxtRight180 \tpvpara \tphpg \tposx1839 \tposy104
\tabsnoovrlp1 \trftsWidth1 \trftsWidthB3 \trftsWidthA3 \trpaddl108 \trpaddr108 \
trpaddfl3 \trpaddft3 \trpaddfb3 \trpaddfr3 \clvertalt \clbrdrl \brdrs \brdrw10 \
clbrdrr \brdrs \brdrw10 \clbrdrt \brdrs \brdrw10 \clbrdrb \brdrs \brdrw10 \cltxl
rtb \cellx567 \clvertalt \clbrdrl \brdrs \brdrw10 \clbrdrr \brdrs \brdrw10 \clbr
drt \brdrs \brdrw10 \clbrdrb \brdrs \brdrw10 \cltxlrtb \cellx5466 \clvertalt \cl
brdrl \brdrs \brdrw10 \clbrdrr \brdrs \brdrw10 \clbrdrt \brdrs \brdrw10 \clbrdrb
\brdrs \brdrw10 \cltxlrtb \cellx8847 \row \pard \plain \qj \li0 \ri0 \widctlpar
\aspalpha \aspnum \adjustright \lin0 \rin0 \phpg \pvpara \posx1839 \posy104 \in
tbl1 \itap1 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 \trowd \trql \trgap
h0 \trleft0 \tdfrmtxtLeft180 \tdfrmtxtRight180 \trftsWidth1 \trftsWidthB3 \trfts
WidthA3 \trpaddfl3 \trpaddft3 \trpaddfb3 \trpaddfr3 {\b1 \fs28 \kerning2 \dbch \
af3 \hich \af0 \loch \f0 \cell }\pard \plain \qj \li0 \ri0 \widctlpar \aspalpha
\aspnum \adjustright \lin0 \rin0 \phpg \pvpara \posx1839 \posy104 \intbl1 \itap1
\fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 \trowd \trql \trgaph0 \trleft0
\tdfrmtxtLeft180 \tdfrmtxtRight180 \trftsWidth1 \trftsWidthB3 \trftsWidthA3 \tr
paddfl3 \trpaddft3 \trpaddfb3 \trpaddfr3 {\fs24 \kerning2 \dbch \af3 \hich \af0
\loch \f0 \lang1033 \langnp1033 Guide Certificate}{\fs24 \kerning2 \dbch \af3 \h
ich \af0 \loch \f0 \lang1033 \langnp1033 \cell }\pard \plain \qj \li0 \ri0 \widc
tlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \phpg \pvpara \posx1839 \posy10
4 \intbl1 \itap1 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 \trowd \trql \
trgaph0 \trleft0 \tdfrmtxtLeft180 \tdfrmtxtRight180 \trftsWidth1 \trftsWidthB3 \
trftsWidthA3 \trpaddfl3 \trpaddft3 \trpaddfb3 \trpaddfr3 {\b1 \fs28 \kerning2 \d
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360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin360 \rin0 \itap0 \fs2
1 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \
af0 \loch \f0 vital role in all sectors of an economy. Information technology is
termed as the turning point in the }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loc
h \f0 \par }\pard \plain \qd \li360 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \a
spnum \adjustright \lin360 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \l
och \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 history of global bank
ing sector and their services. Retail banking is the major part of banking secto
r, which is growing very rapidly at global level. In India retail banking has th
e swift growth. Retail }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\
pard \plain \qd \li360 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjust
right \lin360 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs
24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 banking is the banking service that
is mainly focused on customer. For retail banking the first and }{\fs24 \kernin
g2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qd \li360 \ri0 \sl360 \sl
mult1 \widctlpar \aspalpha \aspnum \adjustright \lin360 \rin0 \itap0 \fs21 \kern
ch \f0 foremost thing is its consumer market. It is also the mass-market of coll
ection of commercial banks }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \pa
r }\pard \plain \qd \li360 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \ad
justright \lin360 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0
{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 and community banks. Moreover r
etail banking is the accumulation of market banking where an }{\fs24 \kerning2 \
dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qd \li360 \ri0 \sl360 \slmult
1 \widctlpar \aspalpha \aspnum \adjustright \lin360 \rin0 \itap0 \fs21 \kerning2
\dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \
f0 individual customers use the local branches of larger commercial banks. Retai
l banking refers to }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\par
d \plain \qd \li360 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustrig
ht \lin360 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24
\kerning2 \dbch \af3 \hich \af0 \loch \f0 providing various banking services to
individuals and small organizations and enterprises in which }{\fs24 \kerning2 \
f0 the financial institutions are dealing with large number of low value transac
tions. Beside this retail }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par
}\pard \plain \qd \li360 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adj
ustright \lin360 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {
\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 banking is also the difference b
etween wholesale banking where customers are large in number }{\fs24 \kerning2 \
f0 frequently multinational companies, government and government enterprises and
the financial }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \pl
ain \qd \li360 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \l
in360 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kern
ing2 \dbch \af3 \hich \af0 \loch \f0 institution deal in small number of transac
tions but with higher cost and value. The phenomena of }{\fs24 \kerning2 \dbch \
af3 \hich \af0 \loch \f0 \par }\pard \plain \qd \li360 \ri0 \sl360 \slmult1 \wid
ctlpar \aspalpha \aspnum \adjustright \lin360 \rin0 \itap0 \fs21 \kerning2 \dbch
\af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 ret
ail banking is not new to banks but it is now viewed as an important, vital and
attractive market }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard
\plain \qd \li360 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright
\lin360 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \k
erning2 \dbch \af3 \hich \af0 \loch \f0 segment that provide various opportuniti
es for growth and profits to the industry as well as }{\fs24 \kerning2 \dbch \af
3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li360 \ri0 \sl360 \slmult1 \widct
lpar \aspalpha \aspnum \adjustright \lin360 \rin0 \itap0 \fs21 \kerning2 \dbch \
af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 devel
opment for an economy. In retail banking all the needs of an individual customer
are taken c}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1
033 are of in proper incorporated and integraated manner}{\fs24 \kerning2 \dbch
\af3 \hich \af0 \loch \f0 . }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \p
ar }\pard \plain \qj \li360 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \a
djustright \lin360 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0
{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0
Now a day\uc1 \u8217 ?
s retail banking sector is characterized by three basic distinctive features:}{\

fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \s18 \qj \fi0
\li360 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin360 \r
in0 \itap0 \ls1 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerning
2 \dbch \af3 \hich \af0 \loch \f0 Multiple products (Deposits, Credit cards, Ins
urance, Investments and Securities)}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch
\f0 \par }\pard \plain \s18 \qj \fi0 \li360 \ri0 \sl360 \slmult1 \widctlpar \as
palpha \aspnum \adjustright \lin360 \rin0 \itap0 \ls1 \fs21 \kerning2 \dbch \af3
\hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 Multiple
channels of distribution (call centre, branch and internet)}{\fs24 \kerning2 \d
bch \af3 \hich \af0 \loch \f0 \par }\pard \plain \s18 \qj \fi0 \li360 \ri0 \sl36
0 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin360 \rin0 \itap0 \ls1 \
h \af0 \loch \f0 Multiple customer groups ( consumers, small business and corpor
ate)}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \s18 \q
d \li360 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin360
\rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \
dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \s18 \qj \li360 \ri0 \sl360 \s
lmult1 \widctlpar \aspalpha \aspnum \adjustright \lin360 \rin0 \itap0 \fs21 \ker
ning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \l
och \f0 This means a retail banking term is relatively wide ranging term in natu
re. It provides various services as well as chooses various medium or methods of
distribution to various types of consumers. The services which are provided by
the retail banking like fixed account, saving account, mortgages, various types
of loans (personal, housing, auto and educational), credit cards, depository ser
vices are the assets of the bank. These services help a bank to reduce its cost
because there is no paperwork in bank. A consumer can easily withdraw the money
from ATM (Automated Teller Machine) and can easily transfer money from one accou
nt to any other account while sitting at home. A retail bank uses various channe
ls of distribution like retail bank has opened its various branches at various p
laces. More often it allows a consumer to do the internet banking for the conven
ience of users and bank itself also. }{\fs24 \kerning2 \dbch \af3 \hich \af0 \l
och \f0 \par }\pard \plain \s18 \qj \li360 \ri0 \sl360 \slmult1 \widctlpar \aspa
lpha \aspnum \adjustright \lin360 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich
\af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af14 \loch \f14 \chcbpat16
}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 These servic
es can be provided fastly and efficiently with the help of information technolog
y. Information technology in banking sector is considered as the basis for chan
ging the environment. Because due to huge level of competition on the globalizat
ion level, for continuing the industry and for being the competitive in the worl
d, retail banking need the flexibility in the system which helps the retail bank
ing to respond swiftly with new projects for meeting the market needs which are
changed fastly. So information technology has changed the total scenario for ret
ail banking in India. This information technology gives the necessary competitiv
e advantage to }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \pl
ain \s18 \qj \li360 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustrig
\kerning2 \dbch \af3 \hich \af0 \loch \f0 the retail banking sector in India. In
the present time, banks are investing more and more on Information Technologies
.}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \s18 \qj \
li360 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin360 \ri
}{\fs24 \kerning2 \dbch \af3 \hich \a
f0 \loch \f0 \lang1033 \langnp1033
}{\fs24 \kerning2 \dbch \af3 \hich \af0
\loch \f0
There are various reasons which make the retail banking more conven
ient and efficient with the help of information technology. For competing the co
mpetition at global level information technology provide a basis to retail banki
ng for increasing their profits and for providing the convenient, easily accessi
ble services to consumers, for reducing the cost of operations. There is one mor
e particular reason that why there is the need of introduction to information te
chnology in retail banking sector i.e. now consumer is also much literate and he
wants }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \s18
\qj \li360 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin3
60 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerning
2 \dbch \af3 \hich \af0 \loch \f0 something new and that type of facility which
can save his time. That means the expectations of }{\fs24 \kerning2 \dbch \af3 \
hich \af0 \loch \f0 \par }\pard \plain \s18 \qj \li360 \ri0 \sl360 \slmult1 \wid
ctlpar \aspalpha \aspnum \adjustright \lin360 \rin0 \itap0 \fs21 \kerning2 \dbch
\af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 con
sumer are rising day by day and retail banking sector is trying to accomplish th
e expectations }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \pl
\kerning2 \dbch \af3 \hich \af0 \loch \f0 with the new innovations in sector. So
Information technology is the bases with the help of which all }{\fs24 \kerning
2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \s18 \qj \li360 \ri0 \sl360
\slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin360 \rin0 \itap0 \fs21 \
\loch \f0 these services and the demands of consumer can be easily carry out. }
{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \s18 \qd \li
360 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin360 \rin0
\af3 \hich \af0 \loch \f0
For the retail banking industry ther
e are various new innovations done in the Information Technology sector. Informa
tion technology provides various services to the individual customer as well as
to an enterprise or to retail banking sector. In the retail sector various servi
ces like e-banking, e-commerce, ATM (Automated teller machines) machines, green
banking, e-governance, checking accounts, money market accounts, credit card, de
bit card, mutual fund, current accounts, transactional loans, e-payment. These a
ll services make the retail banking as the customer oriented banking. Due to the
se services the retail banking services is also known as Personal Banking Servic
es. So information technology makes the retail banking as easier and fast. These
all services make the retail banking as easier and quicker. Information technol
ogy brings great change in the banking system of India. Due to these changes ret
ail banking retail banking is now quite easier and faster sector in India. The i
nformation technology helps the retail banking sector to reduce cost and improve
their operations for generating more profits. Information technology also enabl
ed the banks for improving their services, minimize risk exposures, management o
f customer relationships (CRM), streamline operations and expand their activitie
s. Internet is main part of }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \p
ar }\pard \plain \s18 \qd \li360 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspn
um \adjustright \lin360 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch
\af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 technology which enables
the retail banking to create and generate more and more interest and trust }{\fs
24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \s18 \qd \li360
\ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin360 \rin0 \it
\hich \af0 \loch \f0 with customers. The banking sector is actually an old-tim
e bene\uc1 \u64257 ?ciary of the offerings of IT. According to Grainger \uc1 \u8
220 ?Smith and Oppenheim\uc1 \u8221 ?, IT has played a central role in the devel
opment of }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \
s18 \qj \li360 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \l
in360 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kern
ing2 \dbch \af3 \hich \af0 \loch \f0 the banking industry, for the following rea
sons:}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \s18 \
qj \fi-420 \li420 \ri0 \sl360 \slmult1 \widctlpar \adjustright \lin420 \rin0 \tq
l \tx420 \tql \tx2700 \itap0 \ls2 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \a
f0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 Banks are not, contrary to t
he popular image, primarily in the money business. They are in the information b
usiness. Their primary activities are the capture, distribution, analysis, and p
rocessing of \uc1 \u64257 ?nancial information.}{\fs24 \kerning2 \dbch \af3 \hic

h \af0 \loch \f0 \par }\pard \plain \s18 \qj \fi-420 \li420 \ri0 \sl360 \slmult1
\widctlpar \adjustright \lin420 \rin0 \tql \tx420 \tql \tx2700 \itap0 \ls2 \fs2
af0 \loch \f0 IT is the second largest \uc1 \u64257 ?xed cost incurred by banks
after personnel.}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \p
lain \s18 \qj \fi-420 \li420 \ri0 \sl360 \slmult1 \widctlpar \adjustright \lin42
0 \rin0 \tql \tx420 \tql \tx2700 \itap0 \ls2 \fs21 \kerning2 \dbch \af3 \hich \a
f0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 IT has enabled ba
nks to widen the range of services offered to their customers and transform thei
r operating systems.}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\par
d \plain \s18 \qj \fi-420 \li420 \ri0 \sl360 \slmult1 \widctlpar \adjustright \l
in420 \rin0 \tql \tx420 \tql \tx2700 \itap0 \ls2 \fs21 \kerning2 \dbch \af3 \hic
h \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 IT has enable
d banks to increase the volume of their services, operate at a higher level of e
fficiency and realize economies of scale.}{\fs24 \kerning2 \dbch \af3 \hich \af0
\loch \f0 \par }\pard \plain \qd \li360 \ri0 \sl360 \slmult1 \widctlpar \adjust
right \lin360 \rin0 \tql \tx2700 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \l
och \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qd
\li360 \ri0 \sl360 \slmult1 \widctlpar \adjustright \lin360 \rin0 \tql \tx2700
\itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \
af3 \hich \af0 \loch \f0 So it is clear from above that in the retail banking se
ctor the information technology has changed the total scenario in India. It prov
ide various services with the help of information technology to the }{\fs24 \ker
ning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qd \li360 \ri0 \sl360
\slmult1 \widctlpar \adjustright \lin360 \rin0 \tql \tx2700 \itap0 \fs21 \kernin
g2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch
\f0 consumer but there are various issues related to it like security, the lack
of information to retail }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par
}\pard \plain \qj \li360 \ri0 \sl360 \slmult1 \widctlpar \adjustright \lin360 \
\kerning2 \dbch \af3 \hich \af0 \loch \f0 consumers, growing incidents of fraud
s and cyber crimes and higher level of nonperforming assets in case of personal
loans. }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj
\li360 \ri0 \sl360 \slmult1 \widctlpar \adjustright \lin360 \rin0 \tql \tx2700 \
f3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li360 \ri0 \sl360 \slmult1 \widc
tlpar \adjustright \lin360 \rin0 \tql \tx2700 \itap0 \fs21 \kerning2 \dbch \af3
\hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pa
rd \plain \qj \li360 \ri0 \sl360 \slmult1 \widctlpar \adjustright \lin360 \rin0
ning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \
qj \li720 \ri0 \sl360 \slmult1 \widctlpar \adjustright \lin720 \rin0 \itap0 \fs2
af0 \loch \f0 \par }\pard \plain \s18 \qc \li720 \ri0 \sl360 \slmult1 \widctlpar
\aspalpha \aspnum \adjustright \lin720 \rin0 \itap0 \fs21 \kerning2 \dbch \af3
\hich \af0 \loch \af0 {\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par
}\pard \plain \s18 \qj \li0 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \a
djustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {
\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }
\pard \plain \s18 \qj \li0 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \ad
b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
}{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033
\langnp1033 \par }\pard \plain \s18 \qj \li0 \ri0 \sl360 \slmult1 \widctlpar \a
spalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich
\langnp1033
af0 \loch \f0 REVIEW OF LITERATURE}{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \l
och \f0 \par }\pard \plain \s18 \qc \li720 \ri0 \sl360 \slmult1 \widctlpar \aspa
lpha \aspnum \adjustright \lin720 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich
\af0 \loch \af0 {\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard
\plain \s18 \qj \li360 \ri0 \sl360 \slmult1 \widctlpar \adjustright \lin360 \ri
n0 \itap0 \ls0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerning2
\dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \s18 \qj \fi-360 \li720 \ri0
\sl360 \slmult1 \widctlpar \adjustright \lin720 \rin0 \itap0 \ls3 \fs21 \kernin
loch \f0 Prasad}{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \
langnp1033 Baba}{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 et.al (19
97)}{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
i}{\i1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 n }
{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \uc1 \u8220 ?}{\i1 \fs24 \kerni
ng2 \dbch \af3 \hich \af0 \loch \f0 Examining the contribution of information te
chnology toward productivity and profitability in U.S retail banking\uc1 \u8221
? }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 reveal
ed that }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 the effect of IT inves
tment on both productivity and profitability in the retail banking sector. Using
data collected through a major study of retail banking institutions in the Unit
ed States. This paper concluded that additional investment in IT capital may hav
e no real benefits and may be more of a strategic necessity to stay even with th
e competition. However, the results indicate that there are substantially high r
eturns to increase in investment in IT labor, and that retail banks need to shif
t their emphasis in IT investment from capital to labor.}{\fs24 \kerning2 \dbch
\af3 \hich \af0 \loch \f0 \par }\pard \plain \s18 \qj \li720 \ri0 \sl360 \slmult
1 \widctlpar \adjustright \lin720 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich
\af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \pl
ain \s18 \qj \fi-360 \li720 \ri0 \sl360 \slmult1 \widctlpar \adjustright \lin720
\rin0 \itap0 \ls3 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b1 \fs24 \
kerning2 \dbch \af3 \hich \af0 \loch \f0 X. Frei}{\b1 \fs24 \kerning2 \dbch \af
3 \hich \af0 \loch \f0 \lang1033 \langnp1033 Frances }{\b1 \fs24 \kerning2 \dbc
h \af3 \hich \af0 \loch \f0 et.al (1998)}{\fs24 \kerning2 \dbch \af3 \hich \af0
\loch \f0 }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp10
33 i}{\i1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
n }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \uc1 \u8220 ?}{\i1 \fs24 \ke
rning2 \dbch \af3 \hich \af0 \loch \f0 Innovation in retail banking\uc1 \u8221 ?
}{\i1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 rev
ealed that }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 effort on innovatio
n and efficiency in retail banking, and discusses both the means by which innova
tion occurs along with the factors that make one institution better than another
in innovation. Implications of these results to the study of the broader servic
e sector will be drawn as well. Traditional innovation literature had suggested
that organizations innovate by getting new and/or improved products to market. H
owever, in a service, the product is the }{\i1 \fs24 \kerning2 \dbch \af3 \hich
\af0 \loch \f0 process.}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 Thus,
innovation in banking lies more in process and organizational changes than in ne
w product development in a traditional sense. This paper reviews a multi-year re
search effort on innovation and efficiency in retail banking, and discusses both
the means by which innovation occurs along with the factors that make one insti
tution better than another in innovation. Implications of these results to the s
tudy of the broader service sector will be drawn as well.}{\fs24 \kerning2 \dbch
loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \s
18 \qj \fi-360 \li720 \ri0 \sl360 \slmult1 \widctlpar \adjustright \lin720 \rin0
\itap0 \ls3 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b1 \fs24 \kernin
g2 \dbch \af3 \hich \af0 \loch \f0 Dr. Chaoprasert}{\b1 \fs24 \kerning2 \dbch \a
f3 \hich \af0 \loch \f0 \lang1033 \langnp1033 }{\b1 \fs24 \kerning2 \dbch \af3
\hich \af0 \loch \f0 Chaisomphol}{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loc
h \f0 \lang1033 \langnp1033 }{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \
f0 et.al (2004)}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 }{\i1 \fs24 \k
erning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 In this study they
revealed that }{\i1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \uc1 \u8220
?Service quality improvement in Thai retail banking and its management implicat
ions\uc1 \u8221 ? }{\i1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang103
3 \langnp1033 T}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 he authors exam
ined commitment to and emphasis within service quality. Despite the rapid growth
in electronic banking it was found that in Thailand the emphasis has been on im
proving personal counter services. At the ret}{\fs24 \kerning2 \dbch \af3 \hich
\af0 \loch \f0 \lang1033 \langnp1033 ail }{\fs24 \kerning2 \dbch \af3 \hich \af0
\loch \f0 service quality is a key factor in consumer satisfaction with his or
her bank. }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \
s18 \qj \li360 \ri0 \sl360 \slmult1 \widctlpar \adjustright \lin360 \rin0 \itap0
\ls0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \a
f3 \hich \af0 \loch \f0 \lang1033 \langnp1033
}{\fs24 \kerning2 \dbch \af3 \h
ich \af0 \loch \f0 A model for investigating service in a retail banking environ
ment is set out in the article.}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0
\par }\pard \plain \s18 \qj \li360 \ri0 \sl360 \slmult1 \widctlpar \adjustright
\lin360 \rin0 \itap0 \ls0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs
24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \s18 \qj \fi-360
\li720 \ri0 \sl360 \slmult1 \widctlpar \adjustright \lin720 \rin0 \itap0 \ls4 \
fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b1 \fs24 \kerning2 \dbch \af3
\hich \af0 \loch \f0 Kabiraj}{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \
Sajal et.al (2004)}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \l
angnp1033 }{\i1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \lang
np1033 In this study they revealed that }{\i1 \fs24 \kerning2 \dbch \af3 \hich \
af0 \loch \f0 \uc1 \u8220 ?Customer relationship management practices in retail
banking: an Indian experience\uc1 \u8221 ? }{\fs24 \kerning2 \dbch \af3 \hich \a
f0 \loch \f0 In this study the authors has done exploratory survey of 200 retail
bank customers conducted across 6 Indian cities, CRM end user survey consisting
of 10 public sector banks, 10 private sectors banks and 30 industries across 15
industrial sectors conducted across India, and the study 10 Application Service
Providers (ASPs) and 10 vendors. By considering the value-adding activities of
banks, the research paper provides a strategic framework for evaluating profitab
le opportunities and assessing competition from other banks, money market funds,
or even phone and computer software companies. The paper also examined how new
methods of delivering financial services may affect the role of the retail banks
in regard to money, the payments system, and banking supervision through the us
e and implementation of strategic CRM business models. The research study aims a
t enabling managers to assess CRM activities and processes in retail banks. It a
lso contributes to the customer relationship management literature by shedding l
ight on an issue that has not been adequately examined by marketing scholars.}{\
fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \s18 \qj \li72
0 \ri0 \sl360 \slmult1 \widctlpar \adjustright \lin720 \rin0 \itap0 \fs21 \kerni
h \f0 \par }\pard \plain \s18 \qj \fi-360 \li720 \ri0 \sl360 \slmult1 \widctlpar
\adjustright \lin720 \rin0 \itap0 \ls4 \fs21 \kerning2 \dbch \af3 \hich \af0 \l
och \af0 {\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 Consoli Davide}{\
b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 }{\b1
\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 (2005)}{\b1 \fs24 \kerning2 \dbc
h \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 }{\i1 \fs24 \kerning2 \dbch \
af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 In this study they revealed that}
{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 }{\i1 \fs24 \kerning2 \dbch \a
f3 \hich \af0 \loch \f0 \uc1 \u8220 ?Technological cooperation and product subst
itution in U.S retail banking: the case of customer services\uc1 \u8221 ? }{\fs2
4 \kerning2 \dbch \af3 \hich \af0 \loch \f0 In this paper the author has focused
on the emergence of a network structure in the UK retail banking system and on
the process of product substitution that emerged on the demand side. The pervasi
ve implementation of information technologies in retail banking has paved the wa
y to signi\uc1 \u64257 ?cant transformations including organizational changes as
well as a wider product range. The central theme that is discussed in this pape
r is the degree to which the unfolding of a technological trajectory has provide
d incentives to mutual adaptations in the supply and demand of retail services.
}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \s18 \qj \l
i720 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin720 \rin0 \itap0 \fs21 \
\loch \f0 \par }\pard \plain \s18 \qj \fi-360 \li720 \ri0 \sl360 \slmult1 \widc
tlpar \adjustright \lin720 \rin0 \itap0 \ls4 \fs21 \kerning2 \dbch \af3 \hich \a
f0 \loch \af0 {\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 Srivatsa H.S
.}{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 }{
\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 et.al (2007)}{\fs24 \kerning
2 \dbch \af3 \hich \af0 \loch \f0 }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch
\f0 \lang1033 \langnp1033 }{\i1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f
0 \lang1033 \langnp1033 In this study they revealed that}{\i1 \fs24 \kerning2 \d
bch \af3 \hich \af0 \loch \f0 \uc1 \u8220 ?Banking channel perceptions- An India
n youth perspective\uc1 \u8221 ?}{\i1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loc
h \f0 \lang1033 \langnp1033 }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 T
his paper has analyzed that people clearly want convenience and security in thei
r choice of banking channels. Because retail banking has undergone rapid changes
with the introduction of new technology based channels and it\uc1 \u8217 ?s int
eresting to note how people have adapted to different ways of deriving their ban
king needs. This study uses psychographics to study the banking channel adaptati
on and the trends in the retail banking scenario in Karnataka, India. It has bee
n found that people clearly want convenience and security in their choice of ban
king channels. }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \pl
ht \lin720 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b1 \f
s24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \s18 \qj \fi-36
0 \li720 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin720
\rin0 \itap0 \ls4 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b1 \fs24 \k
erning2 \dbch \af3 \hich \af0 \loch \f0 Mokhills}{\b1 \fs24 \kerning2 \dbch \af3
\hich \af0 \loch \f0 \lang1033 \langnp1033 }{\b1 \fs24 \kerning2 \dbch \af3 \h
ich \af0 \loch \f0 Safeik et.al (2008)}{\i1 \fs24 \kerning2 \dbch \af3 \hich \af
0 \loch \f0 }{\i1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \la
ngnp1033 In this study they revealed that }{\i1 \fs24 \kerning2 \dbch \af3 \hic
h \af0 \loch \f0 \uc1 \u8220 ?Commercial bank selection: The case of undergradua
te students in Malaysia\uc1 \u8221 ? }{\fs24 \kerning2 \dbch \af3 \hich \af0 \lo
ch \f0 In their study they have analyzed that what are the various factors consi
dered important by undergraduates in Malaysia in selecting a retail bank and to
examine whether undergraduates constitute a homogeneous group in relation to the
way they select a bank. Results of the factor analysis for the total sample ind
icate that the bank selection decision is based primarily on nine selection crit
eria. \uc1 \u8216 ?Secure feelings\uc1 \u8217 ? was the most important factor in
influencing the students in selecting a bank. \uc1 \u8216 ?ATM service\uc1 \u82
17 ? was the second prioritized factor followed by \uc1 \u8216 ?financial benefi
ts\uc1 \u8217 ?. The next three criteria, ranked fourth, fifth and sixth, respec
tively, were \uc1 \u8216 ?service provision\uc1 \u8217 ?, \uc1 \u8216 ?proximity
\uc1 \u8217 ? and \uc1 \u8216 ?branch location\uc1 \u8217 ? that can be grouped
as moderate factors. By contrast, the students considered \uc1 \u8216 ?non-peopl
e influential\uc1 \u8217 ?, \uc1 \u8216 ?attractiveness\uc1 \u8217 ? and \uc1 \u
8216 ?people influences\uc1 \u8217 ? which were ranked seventh, eighth and ninth
, respectively, did not play significant roles in influencing their decision in
selecting the bank. It is interesting to note that the responses did not constit
ute a homogenous group since gender, stream of study; ethnicity and number of sa
ving accounts held produced different prioritized factors in bank selection.}{\f
s24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \s18 \qj \li720
\ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin720 \rin0 \i
\af3 \hich \af0 \loch \f0 \par }\pard \plain \s18 \qj \fi-360 \li720 \ri0 \sl36
0 \slmult1 \widctlpar \adjustright \lin720 \rin0 \itap0 \ls4 \fs21 \kerning2 \db
f0 Das}{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp103
3 }{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 Kallol et.al. (2009)}{\
i1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 }{\i1 \fs24 \kerning2 \dbch
\af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 In this study they revealed that
}{\i1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \uc1 \u8220 ?Customer rel
ationship management (CRM) best practices and customer loyalty: A study of India
n retail banking sector\uc1 \u8221 ? }{\i1 \fs24 \kerning2 \dbch \af3 \hich \af0
\loch \f0 \lang1033 \langnp1033 T}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch
\f0 he researchers has tried to explore the association between deployments of c
ustomer relationship management (CRM) best practices and loyalty of profitable c
ustomers in Indian retail banking sector. The findings of this study revealed th
at there is no perfect bank, as yet, across the three bank types, which has depl
oyed all the 29 CRM best practices to the fullest extent. The results of literal
and theoretical replication done by using pattern matching technique indicates
no strong association between deployment of CRM best practices in scheduled comm
ercial banks and loyalty levels of both high and medium relationship value retai
l customers. The study had }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \la
ng1033 \langnp1033 }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 developed
a list of 29 CRM best practices, which may be helpful to the organizations towar
}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 ds }{\fs
24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 achieving comprehensive CRM deploym
ent. The results also imply that going for CRM deployment may not be a profitabl
e strategy for retail banks, particularly in the Indian context.}{\fs24 \kerning
2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \s18 \qj \li720 \ri0 \sl360
\slmult1 \widctlpar \adjustright \lin720 \rin0 \itap0 \fs21 \kerning2 \dbch \af
3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\
pard \plain \s18 \qj \fi-360 \li720 \ri0 \sl360 \slmult1 \widctlpar \adjustright
\lin720 \rin0 \itap0 \ls4 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b1
\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 Philpott Kevin}{\b1 \fs24 \kern
ing2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 }{\b1 \fs24 \kerning
2 \dbch \af3 \hich \af0 \loch \f0 et.al (2009)}{\b1 \fs24 \kerning2 \dbch \af3 \
hich \af0 \loch \f0 \lang1033 \langnp1033 }{\i1 \fs24 \kerning2 \dbch \af3 \hic
h \af0 \loch \f0 \lang1033 \langnp1033 In this study they revealed that}{\i1 \fs
24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \uc1 \u8220 ?Channel innovation in
the retail banking sector: Best practice initiatives, customer-orientation and
emerging strategic foci\uc1 \u8221 ? }{\fs24 \kerning2 \dbch \af3 \hich \af0 \lo
ch \f0 This study presented a selection of key findings from a wider exploratory
investigation into the nature of multi-channel innovation in the retail banking
sector. Drawing on interviews conducted with industry experts, the following th
ree investigations makes four core contributions. First, the study highlights a
wide range of best practice channel innovations for further consideration by ban
k management. Second, the study provides evidence that banks are looking outside
the banking industry for best practice inspiration. Third, the study hypothesis
es that best practice channel innovations tend to be customer-oriented in nature
. Finally, the study hypothesises that best practice multi-channel strategy is m
oving away from the current, unfocused \uc1 \u8216 ?all-things-to-all-people\uc1
\u8217 ? approach. }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\par
d \plain \qj \li0 \ri0 \sl360 \slmult1 \widctlpar \adjustright \lin0 \rin0 \itap
0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \
hich \af2 \loch \f2 \par }\pard \plain \s18 \qj \fi-360 \li720 \ri0 \sl360 \slmu
lt1 \widctlpar \adjustright \lin720 \rin0 \itap0 \ls4 \fs21 \kerning2 \dbch \af3
\hich \af0 \loch \af0 {\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 Yesh
min}{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
}{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 Farjana}{\b1 \fs24 \kernin
g2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 }{\b1 \fs24 \kerning2
\dbch \af3 \hich \af0 \loch \f0 et.al (2010)}{\b1 \i1 \fs24 \kerning2 \dbch \af3
\hich \af0 \loch \f0 }{\i1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \la
ng1033 \langnp1033 In this study they revealed that }{\i1 \fs24 \kerning2 \dbch
\af3 \hich \af0 \loch \f0 \uc1 \u8220 ?Enhancement of retail banking operation o
f commercial banks in Bangladesh\uc1 \u8221 ? }{\fs24 \kerning2 \dbch \af3 \hich

\af0 \loch \f0 In their study they have revealed that during the period of 2006
-2008 the sample banks have offered different types of retail products (deposits
increased by 88.18%, loan products increased by 48.50%, and cards service by 21
.15%) by increasing number of branches by 19.28%. In this study the authors have
selected 28 listed banks which covered 59.57% of listed financial institutions
in stock exchange. People are always concerned about the improvement of their st
andard of living. The authors have segmented the article into four parts Firstly
an overview of Retail banking secondly review of previous studies done in this
area, thirdly a comparative analysis of data and its findings and finally conclu
sive remarks and policy implications.}{\fs24 \kerning2 \dbch \af3 \hich \af0 \lo
ch \f0 \par }\pard \plain \qj \li0 \ri0 \sl360 \slmult1 \widctlpar \adjustright
\lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kern
ing2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \s18 \qj \fi-360 \li720
\ri0 \sl360 \slmult1 \widctlpar \adjustright \lin720 \rin0 \itap0 \ls4 \fs21 \ke
rning2 \dbch \af3 \hich \af0 \loch \af0 {\b1 \fs24 \kerning2 \dbch \af3 \hich \a
f0 \loch \f0 Titko}{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang10
33 \langnp1033 }{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 Jelena et.
al (2010)}{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp
1033 }{\i1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp103
3 In this study they revealed that}{\i1 \fs24 \kerning2 \dbch \af3 \hich \af0 \l
och \f0 \uc1 \u8220 ?Customer satisfaction and loyalty in Latvian retail bankin
g\uc1 \u8221 ?}{\i1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \l
angnp1033 }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 This study of autho
rs revealed the important factors of bank attractiveness for retail customers, d
etermining the factors affecting customers\uc1 \u8217 ? decision about suspendin
g the relationships with the bank and completing our developed performance measu
rement system for a bank branch with some additional metrics. The authors have u
sed their developed questionnaire that was aimed to evaluate level of satisfacti
on and loyalty of bank clients, as well as to predict their future actions towar
ds to the bank.}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \pl
ain \s18 \qj \fi-360 \li720 \ri0 \sl360 \slmult1 \widctlpar \adjustright \lin720
\rin0 \itap0 \ls4 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b1 \fs24 \
kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 M}{\b1 \fs24 \ker
ning2 \dbch \af3 \hich \af0 \loch \f0 ishra}{\b1 \fs24 \kerning2 \dbch \af3 \hic
h \af0 \loch \f0 \lang1033 \langnp1033 }{\b1 \fs24 \kerning2 \dbch \af3 \hich \
af0 \loch \f0 Aparna}{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1
033 \langnp1033 }{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 et.al (20
11)}{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
}{\i1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 In t
his study they revealed that}{\i1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f
0 \uc1 \u8220 ?A customer centric approach towards retail banking services: A g
limpse\uc1 \u8221 ?}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 }{\fs24 \k
erning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 T}{\fs24 \kerning2
\dbch \af3 \hich \af0 \loch \f0 he authors tried to understand and analyze the
consumer perception on retail banking services offered by namely five Private se
ctor bank situated in Delhi and also study the major factors influencing their c
hoice of banks and its products. Because in retail banking \uc1 \u8220 ?We don\u
c1 \u8217 ?t want satisfied customers\uc1 \u8230 ?we want delighted customers.\u
c1 \u8221 ? It is the new marketing mantra today. The Retail Banking environment
today is changing fast. The changing customer demographics demands to create a
differentiated application based on scalable technology, improved service and ba
nking convenience. Higher penetration of technology and increase in global liter
acy levels has set up the expectations of the customer higher than never before.
}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \
ri0 \sl360 \slmult1 \widctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \
\par }\pard \plain \s18 \qj \fi-360 \li720 \ri0 \sl360 \slmult1 \widctlpar \adj
ustright \lin720 \rin0 \itap0 \ls4 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \
af0 {\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 Ivanauskiene Neringa}{\
b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 }{\b1
\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 et.al (2012)}{\i1 \fs24 \kerning
2 \dbch \af3 \hich \af0 \loch \f0 }{\i1 \fs24 \kerning2 \dbch \af3 \hich \af0 \
loch \f0 \lang1033 \langnp1033 In this study they revealed that }{\i1 \fs24 \ker
ning2 \dbch \af3 \hich \af0 \loch \f0 \uc1 \u8220 ?Customer perceptions of value
: Case of retail banking\uc1 \u8221 ? }{\fs24 \kerning2 \dbch \af3 \hich \af0 \l
och \f0 In}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp103
3 }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 their study the researchers
had involved the survey conducted with 200 retail customers of}{\fs24 \kerning2
\dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 }{\fs24 \kerning2 \dbch
\af3 \hich \af0 \loch \f0 commercial banks in Lithuania. Their main aim of the r
esearch paper is to assess the factors of customer perceived value in the retail
banking sector during the period of economic recession. This research specifica
lly examines the perception of value in the transitional economy. The study resu
lts revealed that in the period of economic recession the dimensions of emotiona
l (affective) value (i.e., the reliability and security of bank, good psychologi
cal climate when contacting with bank personnel) and functional value (i.e., the
quality of service provision, the competence of contact personnel) are rated hi
gher by customers. Meanwhile, the factors of social value (i.e., the establishe
d long-term relationship, personal beliefs, social integration, the opinion and
}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 }{\fs2
4 \kerning2 \dbch \af3 \hich \af0 \loch \f0 recommendations of relatives, acquai
ntances and or friends) are rated lower.}{\fs24 \kerning2 \dbch \af3 \hich \af0
\loch \f0 \par }\pard \plain \qj \li0 \ri0 \sl360 \slmult1 \widctlpar \adjustrig
ht \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \k
erning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \s18 \qj \fi-360 \li7
20 \ri0 \sl360 \slmult1 \widctlpar \adjustright \lin720 \rin0 \itap0 \ls4 \fs21
\kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b1 \fs24 \kerning2 \dbch \af3 \hich
\af0 \loch \f0 Addo Augustine}{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch
\f0 \lang1033 \langnp1033 }{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f
0 et.al (2012)}{\i1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 }{\i1 \fs24
\kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 In this study t
hey revealed that}{\i1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \uc1 \u82
20 ?Customer satisfaction of retail banking service: A study of selected private
banks in Gana\uc1 \u8221 ? }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 Th
is study has showed that there are some factors that affect the customer satisfa
ction these are responsiveness, assurance, empathy, tangibles and reliability. T
he findings also indicates that customers recognize highest satisfaction in the
responsiveness area and lowest in the tangibles area. Thus management should dir
ect resources to the areas that satisfy customer most. Though results of this st
udy showed that the most important dimensions were responsiveness and assurance,
other quality dimensions might come to the fore later, hence continual determin
ation of important customer requirements is necessary. This study also finds tha
t the higher the level of customer satisfaction, the higher the levels of custom
er loyalty. Because in retail banking, quality of service plays a vital role in
the context of sustained business survival and growth.}{\fs24 \kerning2 \dbch \a
f3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \sl360 \slmult1 \widctl
par \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch
\af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \ql \li
0 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \it
\hich \af0 \loch \f0 \lang1033 \langnp1033
The analysis of review clearly
shows that their are some noticeable gaps that need to be bridged.
This study throws some light on theses gaps and hence it has gained importance.
}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\
pard \plain \s18 \ql \li720 \ri0 \sl360 \slmult1 \widctlpar \adjustright \lin720
\rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerning2
\dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \
f3 \hich \af0 \loch \af0 {\b1 \fs40 \kerning2 \dbch \af3 \hich \af0 \loch \f0
}{\b1 \fs40 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
}{\b1 \fs40 \kerning2 \dbch \af3 \hich \af0 \loch \f0
}{\b1 \fs4
0 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \ql \li0 \ri0 \sa
ng2 \dbch \af3 \hich \af0 \loch \af0 {\b1 \fs40 \kerning2 \dbch \af3 \hich \af0
\loch \f0 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustrig
ht \lin0 \rin0 \tql \tx810 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \a
f0 {\b1 \fs40 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \ql \
\fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b1 \fs40 \kerning2 \dbch \af3
\hich \af0 \loch \f0 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpa
r \adjustright \lin0 \rin0 \tql \tx810 \itap0 \fs21 \kerning2 \dbch \af3 \hich \
af0 \loch \af0 {\b1 \fs40 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard
\plain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \tql \t
x810 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b1 \fs40 \kerning
2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0
\lang1033 \langnp1033 \tab }{\b1 \fs40 \kerning2 \dbch \af3 \hich \af0 \loch \f
h \af0 \loch \af0 {\b1 \fs40 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033
\langnp1033 \par }\pard \plain \qj \fi-360 \li540 \ri0 \sa200 \lisa0 \sl360 \sl
mult1 \nowidctlpar \adjustright \lin540 \rin0 \itap0 \fs21 \kerning2 \dbch \af3
\hich \af0 \loch \af0 {\b1 \fs32 \kerning2 \dbch \af0 \hich \af0 \loch \f0 \lang
1033 \langnp1033
\loch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0
\sl360 \slmult1 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \db
f0 \lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \sl360 \
slmult1 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3
1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \sl360 \slmult1
f0 \loch \af0 {\b1 \fs32 \kerning2 \dbch \af0 \hich \af0 \loch \f0 \lang1033 \la
ngnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \sl360 \slmult1 \nowidct
lpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch
\af0 {\b1 \fs32 \kerning2 \dbch \af0 \hich \af0 \loch \f0 \lang1033 \langnp1033
\par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \sl360 \slmult1 \nowidctlpar \ad
b1 \fs32 \kerning2 \dbch \af0 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\
pard \plain \qj \fi-360 \li540 \ri0 \sa200 \lisa0 \sl360 \slmult1 \nowidctlpar \
adjustright \lin540 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af
0 {\b1 \fs32 \kerning2 \dbch \af0 \hich \af0 \loch \f0 \lang1033 \langnp1033
3 \langnp1033 }{\b1 \fs52 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \ul1 \ulc0
Chapter 2}{\b1 \fs52 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \ul1 \ulc0 \par
}\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \sl276 \slmult1 \nowidctlpar \adjustri
ght \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b1 \fs
}
{\b1 \fs52 \kerning2 \dbch \af3 \hich \af0 \loch \f0
}{\b1 \fs52 \kerning2 \d
bch \af3 \hich \af0 \loch \f0 \ul1 \ulc0 Objectives}{\b1 \fs52 \kerning2 \dbch \
af3 \hich \af0 \loch \f0 }{\b1 \fs52 \kerning2 \dbch \af0 \hich \af0 \loch \f0
\lang1033 \langnp1033 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlp
ar \adjustright \lin0 \rin0 \tql \tx6525 \itap0 \fs21 \kerning2 \dbch \af3 \hich
\langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \sl276 \slmult1 \nowi
dctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \l
och \af0 {\b1 \fs24 \kerning2 \dbch \af0 \hich \af0 \loch \f0 \lang1033 \langnp1
033
\langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \sl276 \slmult1 \now
idctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \
loch \af0 {\b1 \fs24 \kerning2 \dbch \af0 \hich \af0 \loch \f0 \lang1033 \langnp
1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \sl276 \slmult1 \nowidctlpar
r }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \sl276 \slmult1 \nowidctlpar \adjust
\plain \qj \li0 \ri0 \sa200 \lisa0 \sl276 \slmult1 \nowidctlpar \adjustright \l
}{\b
1 \fs40 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\p
ard \plain \qj \li0 \ri0 \sa200 \lisa0 \sl276 \slmult1 \nowidctlpar \adjustright
in \qj \li0 \ri0 \sa200 \lisa0 \sl276 \slmult1 \nowidctlpar \adjustright \lin0 \
rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b1 \fs40 \kerning
2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
}{\b1 \fs
plain \qj \li0 \ri0 \sa200 \lisa0 \sl276 \slmult1 \nowidctlpar \adjustright \lin
0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b1 \fs40 \kern
ing2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \q
j \li0 \ri0 \sa200 \lisa0 \sl276 \slmult1 \nowidctlpar \adjustright \lin0 \rin0
ch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
}{\b1 \fs32 \k
erning2 \dbch \af0 \hich \af0 \loch \f0 \lang1033 \langnp1033 Objectives of the
study}{\b1 \fs32 \kerning2 \dbch \af0 \hich \af0 \loch \f0 \lang1033 \langnp103
3 \par }\pard \plain \qj \li270 \ri0 \sl360 \slmult1 \nowidctlpar \adjustright \
lin270 \rin0 \tql \tx2310 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af
r }\pard \plain \qj \li270 \ri0 \sl360 \slmult1 \nowidctlpar \adjustright \lin27
0 \rin0 \tql \tx2310 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b
1 \fs24 \kerning2 \dbch \af0 \hich \af0 \loch \f0 \lang1033 \langnp1033 \uc1 \u8
220 ?}{\fs24 \kerning2 \dbch \af0 \hich \af0 \loch \f0 \lang1033 \langnp1033 You
have to grow, from the inside out, none can teach you,}{\fs24 \kerning2 \dbch \
af0 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \li270 \ri
0 \sl360 \slmult1 \nowidctlpar \adjustright \lin270 \rin0 \itap0 \fs21 \kerning2
f0 \lang1033 \langnp1033 None can make you spiritual; there is no other teacher,
but your own soul.\uc1 \u8221 ?}{\fs24 \kerning2 \dbch \af0 \hich \af0 \loch \f
0 \lang1033 \langnp1033 \par }\pard \plain \qr \fi-360 \li270 \ri0 \sl360 \slmul
t1 \nowidctlpar \adjustright \lin270 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hi
ch \af0 \loch \af0 {\fs24 \kerning2 \dbch \af0 \hich \af0 \loch \f0 \lang1033 \l
angnp1033 Swami Vivekananda}{\fs24 \kerning2 \dbch \af0 \hich \af0 \loch \f0 \la
ng1033 \langnp1033 \par }\pard \plain \qc \li0 \ri0 \sa200 \lisa0 \sl276 \slmult
1 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich
langnp1033 \par }\pard \plain \qj \fi-360 \li540 \ri0 \sa200 \lisa0 \sl360 \slmu
lt1 \nowidctlpar \adjustright \lin540 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \h
ich \af0 \loch \af0 {\b1 \fs24 \kerning2 \dbch \af0 \hich \af0 \loch \f0 \lang10
33 \langnp1033 1. T}{\fs24 \kerning2 \dbch \af0 \hich \af0 \loch \f0 \lang1033 \
langnp1033 o study the retail banking sector in India.}{\fs24 \kerning2 \dbch \a
f0 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \fi-360 \li
540 \ri0 \sa200 \lisa0 \sl360 \slmult1 \nowidctlpar \adjustright \lin540 \rin0 \
itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b1 \fs24 \kerning2 \dbc
h \af0 \hich \af0 \loch \f0 \lang1033 \langnp1033 2}{\fs24 \kerning2 \dbch \af0
\hich \af0 \loch \f0 \lang1033 \langnp1033 . To conduct a study on the innovatio
ns in retail banking sector of India.}{\fs24 \kerning2 \dbch \af0 \hich \af0 \lo
ch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \fi-360 \li540 \ri0 \sa200 \
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\loch \f0 \lang1033 \langnp1033 3. }{\fs24 \kerning2 \dbch \af0 \hich \af0 \loc
h \f0 \lang1033 \langnp1033 To study the status of technology that has impact on
the mind set of employee/consumers. }{\fs24 \kerning2 \dbch \af0 \hich \af0 \lo
ch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \fi-360 \li540 \ri0 \sa200 \
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\loch \f0 \lang1033 \langnp1033 4. }{\fs24 \kerning2 \dbch \af0 \hich \af0 \loc
h \f0 \lang1033 \langnp1033 To study governing guidelines for the services of ba
nking sector in India.}{\fs24 \kerning2 \dbch \af0 \hich \af0 \loch \f0 \lang103
3 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \sl276 \slmult1 \no
widctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0
3 \par }\pard \plain \qj \li0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \li
n0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b1 \fs40 \ker
ning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
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}{\b1 \fs2
lain \qj \li0 \ri0 \sa200 \lisa0 \sl276 \slmult1 \nowidctlpar \adjustright \lin0
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ng2 \dbch \af0 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj
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angnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \sl276 \slmult1 \nowidc
tlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loc
3 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \sl276 \slmult1 \nowidctlpar \a
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ht \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b1 \fs2
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0 \lisa0 \sl276 \slmult1 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \ker
0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0
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\loch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \
sl276 \slmult1 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbc
0 \lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \sl276 \s
lmult1 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \
hich \af0 \loch \af0 {\b1 \fs24 \kerning2 \dbch \af0 \hich \af0 \loch \f0 \lang1
033 \langnp1033
}{\b1 \fs24 \kerning2 \dbch \af0 \hich \af
}{\b1 \fs32 \kerning2 \dbch \af0 \hich \af0 \loch \f0
lang1033 \langnp1033 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar
af0 {\b1 \fs24 \kerning2 \dbch \af0 \hich \af0 \loch \f0 \lang1033 \langnp1033
}{\b1 \fs52 \kerning2 \dbch \af3 \hich \af0 \loch \f
0 \lang1033 \langnp1033 }{\b1 \fs52 \kerning2 \dbch \af3 \hich \af0 \loch \f0
}{\b1 \fs52 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \ul1 \ulc0 Chapter }{\b1 \
fs52 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \ul1 \ulc0
3}{\b1 \fs52 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \ul1 \ulc0 \par }\pard \p
lain \qj \li0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0
\hich \af0 \loch \f0 }{\b1 \fs52 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \l
ang1033 \langnp1033 }{\b1 \fs52 \kerning2 \dbch \af3 \hich \af0 \loch \f0
}{\b1 \fs52 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \ul1 \ulc0 Research Met
hodology}{\b1 \fs52 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain
\ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \tql \tx6525
1 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b1 \fs40 \kerning2 \dbch \af3 \hi
ch \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \ql \li0 \ri0 \sa200
ch \f0 \lang1033 \langnp1033 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \now
idctlpar \adjustright \lin0 \rin0 \tql \tx6525 \itap0 \fs21 \kerning2 \dbch \af3
\loch \af0 {\b1 \fs40 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \lang
np1033 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright
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}\pard \plain \qj \li0 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjus
tright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b1
\fs48 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\par
d \plain \qj \li0 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright
\kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \sl36
0 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \k
erning2 \dbch \af3 \hich \af0 \loch \af0 {\b1 \fs48 \kerning2 \dbch \af3 \hich \
af0 \loch \f0 \lang1033 \langnp1033
}{\b1 \fs48 \kerning2 \dbch \af3
\hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sl3
}{\b1 \fs40 \kerning2 \dbch \af3 \h
ich \af0 \loch \f0 \lang1033 \langnp1033 }{\b1 \fs40 \kerning2 \dbch \af3 \hich
\af0 \loch \f0 RESEARCH}{\b1 \fs40 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \l
ang1033 \langnp1033 METHODOLOGY}{\b1 \fs28 \kerning2 \dbch \af3 \hich \af0 \lo
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0000000000000e00000014000000000000001000000014000000}}}{\fs21 \kerning2 \dbch \a
f3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \widctlpar \aspalpha \a
3 }{\b1 \fs28 \kerning2 \dbch \af3 \hich \af0 \loch \f0 INTERPRETATION}{\fs21 \
kerning2 \dbch \af3 \hich \af0 \loch \f0 :}{\fs24 \kerning2 \dbch \af3 \hich \a
f0 \loch \f0 It is clear from the above analysis that mostly middle age people }
{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 (35-40) u
sed banking services}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 (35}{\fs2
4 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 %).}{\fs24 \ke
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dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \widctlpar \aspa
f0 \loch \af0 {\b1 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \
3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \widctlpar \aspalpha \as
\af0 {\b1 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \q
\af0 \loch \f0 Occupation}{\b1 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \
par }\pard \plain \qj \li0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin0
lpha \aspnum \adjustright \lin0 \rin0 \intbl1 \itap1 \fs21 \kerning2 \dbch \af3
\hich \af0 \loch \af0 \trowd \trql \trgaph0 \trrh255 \trleft0 \trftsWidth1 \trft
sWidthB3 \trftsWidthA3 \trpaddl108 \trpaddr108 \trpaddfl3 \trpaddft3 \trpaddfb3
\trpaddfr3 \clvertalb \clbrdrl \brdrnone \clbrdrr \brdrnone \clbrdrt \brdrnone \
clbrdrb \brdrnone \cltxlrtb \cellx1395 \clvertalb \clbrdrl \brdrnone \clbrdrr \b
rtb \cellx4792 {\fs20 \kerning2 \dbch \af3 \hich \af7 \loch \f7 Particulars}{\fs
h \f7 no.of respondents}{\fs20 \kerning2 \dbch \af3 \hich \af7 \loch \f7 \cell }
\intbl1 \itap1 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs20 \kerning
2 \dbch \af3 \hich \af7 \loch \f7 % of respondents}{\fs20 \kerning2 \dbch \af3 \
\loch \af0 \trowd \trql \trgaph0 \trrh255 \trleft0 \trftsWidth1 \trftsWidthB3 \
trftsWidthA3 \trpaddl108 \trpaddr108 \trpaddfl3 \trpaddft3 \trpaddfb3 \trpaddfr3
\clvertalb \clbrdrl \brdrnone \clbrdrr \brdrnone \clbrdrt \brdrnone \clbrdrb \b
rdrnone \cltxlrtb \cellx1395 \clvertalb \clbrdrl \brdrnone \clbrdrr \brdrnone \c
lbrdrt \brdrnone \clbrdrb \brdrnone \cltxlrtb \cellx2712 \clvertalb \clbrdrl \br
4792 \row \pard \plain \qj \li0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \
lin0 \rin0 \intbl1 \itap1 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs2
0 \kerning2 \dbch \af3 \hich \af7 \loch \f7 student}{\fs20 \kerning2 \dbch \af3
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0 \loch \af0 {\fs20 \kerning2 \dbch \af3 \hich \af7 \loch \f7 \lang1033 \langnp1
033
10}{\fs20 \kerning2 \dbch \af3 \hich \af7 \loch \f7 \lang1033 \langn
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fs20 \kerning2 \dbch \af3 \hich \af7 \loch \f7 \lang1033 \langnp1033 10}{\fs20 \
kerning2 \dbch \af3 \hich \af7 \loch \f7 %}{\fs20 \kerning2 \dbch \af3 \hich \af
7 \loch \f7 \cell }\pard \plain \qj \li0 \ri0 \widctlpar \aspalpha \aspnum \adju
af0 {\fs20 \kerning2 \dbch \af3 \hich \af7 \loch \f7 \cell }\pard \plain \qj \li
0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \intbl1 \itap1 \fs2
1 \kerning2 \dbch \af3 \hich \af0 \loch \af0 \trowd \trql \trgaph0 \trrh135 \trl
eft0 \trftsWidth1 \trftsWidthB3 \trftsWidthA3 \trpaddl108 \trpaddr108 \trpaddfl3
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cellx2712 \clvertalb \clbrdrl \brdrnone \clbrdrr \brdrnone \clbrdrt \brdrnone \c
lbrdrb \brdrnone \cltxlrtb \cellx4556 \clvertalb \clbrdrl \brdrnone \clbrdrr \br
drnone \clbrdrt \brdrnone \clbrdrb \brdrnone \cltxlrtb \cellx4792 \row \pard \pl
ain \qj \li0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \intbl1
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0 \kerning2 \dbch \af3 \hich \af7 \loch \f7 \lang1033 \langnp1033 40}{\fs20 \ker
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\qr \li0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \intbl1 \ita
\hich \af7 \loch \f7 \lang1033 \langnp1033 40}{\fs20 \kerning2 \dbch \af3 \hich
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plain \qj \li0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \intbl
1 \itap1 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs20 \kerning2 \dbch
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a \aspnum \adjustright \lin0 \rin0 \intbl1 \itap1 \fs21 \kerning2 \dbch \af3 \hi
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rdrb \brdrnone \cltxlrtb \cellx1395 \clvertalb \clbrdrl \brdrnone \clbrdrr \brdr
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drl \brdrnone \clbrdrr \brdrnone \clbrdrt \brdrnone \clbrdrb \brdrnone \cltxlrtb
\cellx4556 \clvertalb \clbrdrl \brdrnone \clbrdrr \brdrnone \clbrdrt \brdrnone

\clbrdrb \brdrnone \cltxlrtb \cellx4792 \row \pard \plain \qj \li0 \ri0 \widctlp
ar \aspalpha \aspnum \adjustright \lin0 \rin0 \intbl1 \itap1 \fs21 \kerning2 \db
ch \af3 \hich \af0 \loch \af0 {\fs20 \kerning2 \dbch \af3 \hich \af7 \loch \f7 b
usinessman}{\fs20 \kerning2 \dbch \af3 \hich \af7 \loch \f7 \cell }\pard \plain
\af7 \loch \f7 \lang1033 \langnp1033 \cell }\pard \plain \qr \li0 \ri0 \widctlpa
h \af3 \hich \af0 \loch \af0 {\fs20 \kerning2 \dbch \af3 \hich \af7 \loch \f7 \l
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a200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \tql \tx6525 \itap0 \fs21 \ker
och \f0 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright
0 {\b1 \fs28 \kerning2 \dbch \af3 \hich \af0 \loch \f0 INTERPRETATION}{\fs21 \ke
rning2 \dbch \af3 \hich \af0 \loch \f0 :}{\fs24 \kerning2 \dbch \af3 \hich \af0
\loch \f0 It is clear from the above analysis that }{\fs24 \kerning2 \dbch \af3
\hich \af0 \loch \f0 \lang1033 \langnp1033 65% of the respondents agrees that r
etail banking fulfill the needs of the customers in proper and integrated manner
.}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }
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ich \af0 \loch \af0 {\fs21 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \
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type of bank account do you have ?}{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \l
och \f0 \lang1033 \langnp1033 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \no
widctlpar \adjustright \lin0 \rin0 \tql \tx6525 \itap0 \fs21 \kerning2 \dbch \af
033 Fixed account ()}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033
\af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 Cur
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ccount ()}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
4 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 Any other ()}{
d \plain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \tql
\tx6525 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerning2
ch \f0 \par }\pard \plain \qj \li0 \ri0 \widctlpar \aspalpha \aspnum \adjustrigh
t \lin0 \rin0 \intbl1 \itap1 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 \t
rowd \trql \trgaph0 \trrh266 \trleft0 \trftsWidth1 \trftsWidthB3 \trftsWidthA3 \
trpaddl108 \trpaddr108 \trpaddfl3 \trpaddft3 \trpaddfb3 \trpaddfr3 \clvertalb \c
r \brdrnone \clbrdrt \brdrnone \clbrdrb \brdrnone \cltxlrtb \cellx6312 {\fs20 \k
erning2 \dbch \af3 \hich \af7 \loch \f7 Particulars}{\fs20 \kerning2 \dbch \af3
\hich \af7 \loch \f7 \cell }\pard \plain \qj \li0 \ri0 \widctlpar \aspalpha \asp
0 \loch \af0 {\fs20 \kerning2 \dbch \af3 \hich \af7 \loch \f7 no.of respondents}
\loch \f7 % of respondents}{\fs20 \kerning2 \dbch \af3 \hich \af7 \loch \f7 \cel
in0 \intbl1 \itap1 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 \trowd \trql
\trgaph0 \trrh266 \trleft0 \trftsWidth1 \trftsWidthB3 \trftsWidthA3 \trpaddl108
\trpaddr108 \trpaddfl3 \trpaddft3 \trpaddfb3 \trpaddfr3 \clvertalb \clbrdrl \br
2889 \clvertalb \clbrdrl \brdrnone \clbrdrr \brdrnone \clbrdrt \brdrnone \clbrdr
b \brdrnone \cltxlrtb \cellx4216 \clvertalb \clbrdrl \brdrnone \clbrdrr \brdrnon
e \clbrdrt \brdrnone \clbrdrb \brdrnone \cltxlrtb \cellx6312 \row \pard \plain \
hich \af7 \loch \f7 \lang1033 \langnp1033 Fixed account}{\fs20 \kerning2 \dbch \
af3 \hich \af7 \loch \f7 \lang1033 \langnp1033 \cell }\pard \plain \qr \li0 \ri0
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aspnum \adjustright \lin0 \rin0 \intbl1 \itap1 \fs21 \kerning2 \dbch \af3 \hich
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312 \row \pard \plain \qj \li0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \l
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pard \plain \qr \li0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0
\loch \f7 2}{\fs20 \kerning2 \dbch \af3 \hich \af7 \loch \f7 \lang1033 \langnp10
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\af0 \loch \af0 {\fs20 \kerning2 \dbch \af3 \hich \af7 \loch \f7 \cell }\pard \
1 \itap1 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 \trowd \trql \trgaph0
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e \cltxlrtb \cellx4216 \clvertalb \clbrdrl \brdrnone \clbrdrr \brdrnone \clbrdrt
\brdrnone \clbrdrb \brdrnone \cltxlrtb \cellx6074 \clvertalb \clbrdrl \brdrnone
\clbrdrr \brdrnone \clbrdrt \brdrnone \clbrdrb \brdrnone \cltxlrtb \cellx6312 \
row \pard \plain \qj \li0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin0 \
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ning2 \dbch \af3 \hich \af0 \loch \f0 It is clear from the above analysis that }
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\loch \f0 \lang1033 \langnp1033 Q11. Which plastic money service is used by you
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\hich \af0 \loch \f0 :It is clear from the above analysis that }{\fs24 \kerning
2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 53% of the respondents a
grees that IT helps the retail banking to generate more interest with customers.
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3 \hich \af0 \loch \af0 {\b1 \fs28 \kerning2 \dbch \af3 \hich \af0 \loch \f0 INT
ERPRETATION}{\fs21 \kerning2 \dbch \af3 \hich \af0 \loch \f0 :}{\fs24 \kerning2
\dbch \af3 \hich \af0 \loch \f0 It is clear from the above analysis that }{\fs2
4 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 55% of the res
pondents does not want change in the govt. guidelines.}{\fs24 \kerning2 \dbch \a
ustright \lin0 \rin0 \tql \tx6525 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \
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{\fs21 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pa
\tx6525 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs21 \kerning
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loch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sl360 \slmult1
\widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \tql \tx5520 \itap0 \fs21
}{\b1 \fs48 \kerning2 \dbch \
\sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \tql \tx55
l \tx5520 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b1 \fs48 \ke
}{\b1
\fs48 \kerning2 \dbch \af3 \hich \af0 \loch \f0 }{\b1 \fs72 \kerning2 \dbch \a
f3 \hich \af0 \loch \f0 \ul1 \ulc0 Findings}{\b1 \fs72 \kerning2 \dbch \af3 \hic
h \af0 \loch \f0 \ul1 \ulc0 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \nowi
\langnp1033 \par }\pard \plain \ql \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjust
h \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \p
n0 \tql \tx6525 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \
\af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \ql \li0 \ri0 \sa200 \l
\lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \widctlpar \aspalpha \as
\af0 {\b1 \fs48 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \q
\af0 \loch \f0 Findings :-}{\fs48 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par
h \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \widctlpar \aspalph
3
}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 }{\fs21 \kerning2 \dbch
\af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \fi-360 \li720 \ri0 \widctlpar
\aspalpha \aspnum \adjustright \lin720 \rin0 \tql \tx720 \itap0 \ls5 \fs21 \kern
ch \f0 }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
The study reveals}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 that mostly
men }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 i.e.
60% }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 visit }{\fs24 \kerning2 \d
bch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 banks.}{\fs24 \kerning2 \dbc
h \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \fi-360 \li720 \ri0 \widctlpa
r \aspalpha \aspnum \adjustright \lin720 \rin0 \tql \tx720 \itap0 \ls6 \fs21 \ke
loch \f0 \lang1033 \langnp1033 }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f
0 It }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 was
founded}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 that mostly middle ag
e}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 (35-40
)}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 people has works with }{\fs2
4 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 banks}{\fs24 \
kerning2 \dbch \af3 \hich \af0 \loch \f0 (35}{\fs24 \kerning2 \dbch \af3 \hich
\af0 \loch \f0 \lang1033 \langnp1033 %}{\fs24 \kerning2 \dbch \af3 \hich \af0 \l
och \f0 ).}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \
qj \fi-360 \li720 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin720 \rin0 \
tql \tx720 \itap0 \ls6 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \
kerning2 \dbch \af3 \hich \af0 \loch \f0 It has been stated in figures that mos
tly salaried persons visit }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \la
ng1033 \langnp1033 banks }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 (}{\f
s24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 40}{\fs24 \k
erning2 \dbch \af3 \hich \af0 \loch \f0 %).}{\fs24 \kerning2 \dbch \af3 \hich \a
f0 \loch \f0 \par }\pard \plain \qj \fi-360 \li720 \ri0 \widctlpar \aspalpha \as
pnum \adjustright \lin720 \rin0 \tql \tx720 \itap0 \ls6 \fs21 \kerning2 \dbch \a
033 \langnp1033 The study shows that 70% of the respondents are satisfied with
the services of banks.}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\p
ard \plain \qj \fi-360 \li720 \ri0 \widctlpar \aspalpha \aspnum \adjustright \li
n720 \rin0 \tql \tx720 \itap0 \ls6 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \
af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 It w
as founded that m}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 ostly respond
ents }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 agr
ees that banks provides services to individuals as well as small organisations a
nd enterprises (58%).}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pa
rd \plain \qj \fi-360 \li720 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin
720 \rin0 \tql \tx720 \itap0 \ls6 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \a
f0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 }{\fs
24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 It }{\fs24 \kerning2 \dbch \af3 \hi
ch \af0 \loch \f0 \lang1033 \langnp1033 has beeen stated in figures}{\fs24 \kern
ing2 \dbch \af3 \hich \af0 \loch \f0 that }{\fs24 \kerning2 \dbch \af3 \hich \a
f0 \loch \f0 \lang1033 \langnp1033 retail banking fulfill the needs of the custo
mers in a proper manner (65%).}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0
\par }\pard \plain \qj \fi-360 \li720 \ri0 \widctlpar \aspalpha \aspnum \adjustr
ight \lin720 \rin0 \tql \tx720 \tql \tx8145 \itap0 \ls6 \fs21 \kerning2 \dbch \a
033 \langnp1033 The study shows that mostly respondents have fixed accounts in
banks (40%).}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain
\qj \fi-360 \li720 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin720 \rin0
\tql \tx720 \itap0 \ls6 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24
\kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 The study reve
als that m}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 ost of the responden
ts }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 agree
s that ratail banking provides innovative services to their customers }{\fs24 \k
erning2 \dbch \af3 \hich \af0 \loch \f0 (67%).}{\fs24 \kerning2 \dbch \af3 \hich
\af0 \loch \f0 \par }\pard \plain \qj \fi-360 \li720 \ri0 \widctlpar \aspalpha
\aspnum \adjustright \lin720 \rin0 \tql \tx720 \itap0 \ls6 \fs21 \kerning2 \dbch
ng1033 \langnp1033 It was founded}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch
\f0 from the research that most of the respondents }{\fs24 \kerning2 \dbch \af3
\hich \af0 \loch \f0 \lang1033 \langnp1033 enjoying the ATM service }{\fs24 \ke
rning2 \dbch \af3 \hich \af0 \loch \f0 (3}{\fs24 \kerning2 \dbch \af3 \hich \af0
\f0 %}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 ).}
{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \fi-360
\li720 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin720 \rin0 \tql \tx720
\itap0 \ls6 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \d
bch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 Thae study shows }{\fs24 \k
erning2 \dbch \af3 \hich \af0 \loch \f0 that }{\fs24 \kerning2 \dbch \af3 \hich
\af0 \loch \f0 \lang1033 \langnp1033 78%}{\fs24 \kerning2 \dbch \af3 \hich \af0
\loch \f0 of the respondents }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0
\lang1033 \langnp1033 agrees that information technology has changed total scena
rio of retail banking.}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\p
ard \plain \qj \fi-360 \li720 \ri0 \widctlpar \aspalpha \aspnum \adjustright \li
n720 \rin0 \tql \tx720 \itap0 \ls6 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \
af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 The
study reveals that 40% of the respondents are strongly affected by the innovativ
e services of retail banking.}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \
par }\pard \plain \qj \li360 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin
360 \rin0 \itap0 \ls0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \k
erning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li360 \ri0 \widc
tlpar \aspalpha \aspnum \adjustright \lin360 \rin0 \itap0 \ls0 \fs21 \kerning2 \
\par }\pard \plain \qj \li0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin
0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerning2
\dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \widctlpar \as
h \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \widctlpar \aspalpha \aspnum \
adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0
{\fs48 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri
\af0 \loch \af0 {\i1 \fs48 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard
\hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \widctlpar \aspalpha \aspn
af0 {\fs48 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0
\ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \tql
\tx5520 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b1 \fs48 \ker
ning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
}{\b1 \f
s48 \kerning2 \dbch \af3 \hich \af0 \loch \f0 }{\b1 \fs72 \kerning2 \dbch \af3
\hich \af0 \loch \f0 \ul1 \ulc0 Suggestions}{\b1 \fs48 \kerning2 \dbch \af3 \hic
\dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \qc \li
0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning
\f0 \lang1033 \langnp1033 \par }\pard \plain \qc \li0 \ri0 \sa200 \lisa0 \nowidc
ar }\pard \plain \qc \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \ri
h \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \qc \li0 \r
i0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \d
\lang1033 \langnp1033 \par }\pard \plain \qc \li0 \ri0 \sa200 \lisa0 \nowidctlpa
r \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \a
\pard \plain \qc \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \
f3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \qc \li0 \ri0 \
sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch
g1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \a
ap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b1 \fs48 \kerning2 \dbch
och \af0 {\b1 \fs48 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain
ch \af0 \loch \f0 \lang1033 \langnp1033 }{\b1 \fs48 \kerning2 \dbch \af3 \hich
\af0 \loch \f0 Suggestions :-}{\b1 \fs48 \kerning2 \dbch \af3 \hich \af0 \loch \
f0 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin
\dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \f
i-360 \li720 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin720 \rin0 \tql \
tx720 \itap0 \ls6 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerni
ng2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 Banks should provide
full satisfaction to their customers.}{\fs24 \kerning2 \dbch \af3 \hich \af0 \lo
ch \f0 \par }\pard \plain \qj \fi-360 \li720 \ri0 \widctlpar \aspalpha \aspnum \
adjustright \lin720 \rin0 \tql \tx720 \itap0 \ls6 \fs21 \kerning2 \dbch \af3 \hi
angnp1033 Retail banking should provide information to customers about various
banking schemes.}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \p
lain \qj \fi-360 \li720 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin720 \
rin0 \tql \tx720 \itap0 \ls6 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\
fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 Retail ban
king should fulfill the needs of the customers in a proper manner.}{\fs24 \kerni
ng2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \fi-360 \li720 \ri0 \
widctlpar \aspalpha \aspnum \adjustright \lin720 \rin0 \tql \tx720 \itap0 \ls6 \
h \af0 \loch \f0 \lang1033 \langnp1033 Banks should give information to their c
ustomers about various innovative services.}{\fs24 \kerning2 \dbch \af3 \hich \a
f0 \loch \f0 \par }\pard \plain \qj \fi-360 \li720 \ri0 \widctlpar \aspalpha \as
pnum \adjustright \lin720 \rin0 \tql \tx720 \itap0 \ls6 \fs21 \kerning2 \dbch \a
033 \langnp1033 Banks should provide information to customers about various gov
t. guidelines for the banking sector. }{\fs24 \kerning2 \dbch \af3 \hich \af0 \l
och \f0 \par }\pard \plain \qj \fi-360 \li720 \ri0 \widctlpar \aspalpha \aspnum
\adjustright \lin720 \rin0 \tql \tx720 \itap0 \ls6 \fs21 \kerning2 \dbch \af3 \h
langnp1033 Banks should organise awareness camps through which people can get m
ore information about various banking services. }{\fs24 \kerning2 \dbch \af3 \hi
ch \af0 \loch \f0 \par }\pard \plain \qj \fi-360 \li720 \ri0 \widctlpar \aspalph
a \aspnum \adjustright \lin720 \rin0 \tql \tx720 \itap0 \ls6 \fs21 \kerning2 \db
lang1033 \langnp1033 The environment of the banks should be such that customers
may not have to face any problem.}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch
\lin360 \rin0 \itap0 \ls0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs
24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \s
a200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \
1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \ad
ich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200
\lisa0 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3
\langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjust
ain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs
\af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \li
sa0 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hic
ngnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustrigh
1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \l
\li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kern
ch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \now
\par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0
dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \li0
\ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2
f0 \lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidct
r }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin
0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \db
lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar
pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \i
3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \s
\qj \li0 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \r
s48 \kerning2 \dbch \af3 \hich \af0 \loch \f0 }{\b1 \fs48 \kerning2 \dbch \af3
}{\b1 \fs72 \kerning2 \d
bch \af3 \hich \af0 \loch \f0 \ul1 \ulc0 Limitations}{\b1 \fs48 \kerning2 \dbch
\af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidc
ar }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \ri
i0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \tql \t
}{\b1 \fs48
\kerning2 \dbch \af3 \hich \af0 \loch \f0 }{\b1 \fs48 \kerning2 \dbch \af3 \hi
ch \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \a
d \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \itap
0 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3
3 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjus
lain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \f
\af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \l
isa0 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hi
angnp1033 \par }\pard \plain \qj \li0 \ri0 \sl360 \slmult1 \widctlpar \aspalpha
\aspnum \adjustright \lin0 \rin0 \tql \tx5520 \itap0 \fs21 \kerning2 \dbch \af3
}\pard \plain \qj \li0 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjust
3
}{\b1 \fs48 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard
\plain \qj \li0 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright
{\b1 \fs48 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li
l \tx5520 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b1 \fs48 \ke
rning2 \dbch \af3 \hich \af0 \loch \f0 Limitations:-}{\b1 \fs48 \kerning2 \dbch
\af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li360 \ri0 \sl360 \slmult1 \wi
dctlpar \aspalpha \aspnum \adjustright \lin360 \rin0 \tql \tx5520 \itap0 \ls0 \f
\af0 \loch \f0 \par }\pard \plain \qj \fi-360 \li720 \ri0 \sl360 \slmult1 \widc
tlpar \aspalpha \aspnum \adjustright \lin720 \rin0 \tql \tx720 \tql \tx5520 \ita
p0 \ls7 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbch
\af3 \hich \af0 \loch \f0 Due to busy schedule}{\fs24 \kerning2 \dbch \af3 \hich
\af0 \loch \f0 \lang1033 \langnp1033 }{\fs24 \kerning2 \dbch \af3 \hich \af0 \
loch \f0 of the respondents,there was delay in collection of data.}{\fs24 \kerni
ng2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \fi-360 \li720 \ri0 \
sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin720 \rin0 \tql \tx7
20 \tql \tx5520 \itap0 \ls7 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\f
s24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 Time and mon
ey constraints were another area of focus }{\fs24 \kerning2 \dbch \af3 \hich \af
0 \loch \f0 .}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plai
n \qj \fi-360 \li720 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustri
ght \lin720 \rin0 \tql \tx720 \tql \tx5520 \itap0 \ls7 \fs21 \kerning2 \dbch \af
3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 Researc
h was limited to}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \lan
gnp1033 particular area }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 only
and cannot }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp10
33 be generalized}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 to whole of
India.}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \
fi-360 \li720 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \li
n720 \rin0 \tql \tx720 \tql \tx5520 \itap0 \ls7 \fs21 \kerning2 \dbch \af3 \hich
\af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 Sometimes peop
le do not give appropriate information and fill the questionnaire just for the s
ake of fun.}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain
\qj \fi-360 \li720 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustrigh
t \lin720 \rin0 \tql \tx720 \tql \tx5520 \itap0 \ls7 \fs21 \kerning2 \dbch \af3
\langnp1033 Some people cannot use various innovative banking services due to u
nawareness.}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain
f0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjust
\par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0
f0 \lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidct
0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \db
pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \i
loch \af0 {\fs40 \kerning2 \dbch \af3 \hich \af0 \loch \f0
}{\fs40 \kerning2
}{\fs48 \kern
ing2 \dbch \af3 \hich \af0 \loch \f0 }{\b1 \fs72 \kerning2 \dbch \af3 \hich \af
0 \loch \f0 \ul1 \ulc0 Conclusion}{\b1 \fs72 \kerning2 \dbch \af3 \hich \af0 \lo
ch \f0 \ul1 \ulc0 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \a
\b1 \fs48 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0
h \f0 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \
erning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \sa200
\lisa0 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \
hich \af0 \loch \af0 {\b1 \fs48 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }
\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \
h \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowi
och \af0 {\b1 \fs48 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain
\qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21
\af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adj
ustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b
1 \fs48 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \r
2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \widctlpar \a
\af0 \loch \af0 {\b1 \fs48 \kerning2 \dbch \af3 \hich \af0 \loch \f0 Conclusion
}{\fs48 \kerning2 \dbch \af3 \hich \af0 \loch \f0 :-}{\fs48 \kerning2 \dbch \af
3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \widctlpar \aspalpha \as
ch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 No doubt the main emphasis o
retail banking is consumer oiented that means they provide the various services
directly to consumers, but the consumers want new services as the time change. T
oday retail banking provides various facilities to their customers }{\fs24 \kern
ing2 \dbch \af3 \hich \af0 \loch \f0 . But customers still want some changes as
they are not fully satisfied with the rendering of services. This may be because
of non cooperating st}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang103
3 \langnp1033 aff}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 , waiting sys
tems, less technology etc.}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lan
g1033 \langnp1033 }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 And }{\fs24
\kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 some people wan
t change in govt. guidelines regarding banking sector. Some people are not aware
regarding various innovative services provided by the banks.}{\fs24 \kerning2 \
dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \n
owidctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0
np1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright
n \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21
h \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \
lisa0 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \h
33 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adju
rd \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \ita
\lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlp
ar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \
par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \r
i0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kernin
loch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \n
h \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \
lisa0 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \h
33 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adju
np1033 }{\b1 \fs48 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1
erning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
}{\b1 \fs
48 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \ulc0 }{\b1
\fs72 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \ulc0 }{
\b1 \fs72 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \ul1 \ulc0 Bibliography}{\b1
\fs32 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \ulc0 \par }\pard \plain \qj \l
loch \f0 \lang1033 \langnp1033 \ulc0 \par }\pard \plain \qj \li0 \ri0 \sa200 \li
ch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sl360 \slmult1 \w
\par }\pard \plain \qj \li0 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \
{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
}{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang
1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sl360 \slmult1 \widctlpar \as
langnp1033
af0 \loch \f0 BIBLIOGRAPHY}{\b1 \fs28 \kerning2 \dbch \af3 \hich \af0 \loch \f0
{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li
90 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin90 \rin0 \
h \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li90 \ri0 \sl360 \slmult1 \w
idctlpar \aspalpha \aspnum \adjustright \lin90 \rin0 \itap0 \fs21 \kerning2 \dbc
0 Book refer}{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \lan
gnp1033 r}{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 ed }{\b1 \fs24 \k
erning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \s18 \qj \li360 \ri0
\sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin360 \rin0 \itap0 \
ls0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b1 \fs24 \kerning2 \dbch
\af3 \hich \af0 \loch \f0 \par }\pard \plain \s18 \qj \fi-360 \li720 \ri0 \sl360
\slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin720 \rin0 \itap0 \ls8 \f
\af0 \loch \f0 Kothari C.R, \uc1 \u8220 ?Research Methodology: Research and Tec
hniques\uc1 \u8221 ?, New Age International (P) Ltd. Publisher, pp 320-325}{\b1
\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li90 \ri
0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin90 \rin0 \itap0
\hich \af0 \loch \f0 \par }\pard \plain \qj \li90 \ri0 \sl360 \slmult1 \widctlp
\hich \af0 \loch \af0 {\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 Onli
ne referred Journals}{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }
\pard \plain \s18 \qj \li360 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \
adjustright \lin360 \rin0 \itap0 \ls0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loc
h \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \s18
\qj \fi-360 \li720 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustrigh
t \lin720 \rin0 \itap0 \ls9 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\f
s24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 Baba Prasad et.al (1997) \uc1 \u82
20 ?Examining the contribution of information technology toward productivity and
profitability in U.S retail banking\uc1 \u8221 ?}{\fs24 \kerning2 \dbch \af3 \h
ich \af0 \loch \f0 \par }\pard \plain \s18 \qj \li720 \ri0 \sl360 \slmult1 \widc
tlpar \aspalpha \aspnum \adjustright \lin720 \rin0 \itap0 \fs21 \kerning2 \dbch
\af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par
}\pard \plain \s18 \qj \fi-360 \li720 \ri0 \sl360 \slmult1 \widctlpar \aspalpha
\aspnum \adjustright \lin720 \rin0 \itap0 \ls9 \fs21 \kerning2 \dbch \af3 \hich
\af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 Frances X. fre
i et.al(1998) \uc1 \u8220 ?Innovation in retail banking\uc1 \u8221 ?, }{\i1 \fs2
4 \kerning2 \dbch \af3 \hich \af0 \loch \f0 financial institutions centre}{\fs24
\kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \s18 \qj \li720 \r
i0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin720 \rin0 \itap
hich \af0 \loch \f0 \par }\pard \plain \s18 \qj \fi-360 \li720 \ri0 \sl360 \slmu
lt1 \widctlpar \aspalpha \aspnum \adjustright \lin720 \rin0 \itap0 \ls9 \fs21 \k
\loch \f0 Dr. chaisomphol chaoprasert et.al (2004) \uc1 \u8220 ?Service quality
improvement in Thai retail banking and its management implications\uc1 \u8221 ?,
}{\i1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 ABAC journal, }{\fs24 \ke
rning2 \dbch \af3 \hich \af0 \loch \f0 Vol 24, No 1, pp 47-66}{\fs24 \kerning2 \
dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \s18 \qj \li720 \ri0 \sl360 \s
lmult1 \widctlpar \aspalpha \aspnum \adjustright \lin720 \rin0 \itap0 \fs21 \ker
och \f0 \par }\pard \plain \s18 \qj \fi-360 \li720 \ri0 \sl360 \slmult1 \widctlp
ar \aspalpha \aspnum \adjustright \lin720 \rin0 \itap0 \ls9 \fs21 \kerning2 \dbc
h \af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 Sa
jal kabiraj et.al (2004) \uc1 \u8220 ?Customer relationship management practices
in retail banking: an Indian experience\uc1 \u8221 ?, }{\i1 \fs24 \kerning2 \db
ch \af3 \hich \af0 \loch \f0 international journal of effective management, }{\f
s24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 Vol 1, No. 1 }{\fs24 \kerning2 \db
ch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \sl360 \slmult1 \w
{\b1 \fs24 \kerning2 \dbch \af0 \hich \af0 \loch \f0 Website links}{\b1 \fs24 \k
erning2 \dbch \af0 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \sl360
\slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \ker
0 \loch \f0 \par }\pard \plain \s18 \qj \fi-360 \li450 \ri0 \sl360 \slmult1 \wid
ctlpar \aspalpha \aspnum \adjustright \lin450 \rin0 \itap0 \ls9 \fs21 \kerning2
\dbch \af3 \hich \af0 \loch \af0 {\field \fldedit {\*\fldinst {\fs21 \kerning2 \
dbch \af3 \hich \af0 \loch \af0 }{\fs21 \kerning2 \dbch \af3 \hich \af0 \loch \f
0 HYPERLINK "http://fic.wharton.upenn.edu/fic/papers/97/9709.pdf" }}{\*\fldrslt
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\af0 \loch \f0 \cf0 \ulnone0 http://fic.wharton.upenn.edu/fic/papers/97/9709.pd
f}}}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \af0 \cf0 \ulnone0 }{\fs24 \ker
ning2 \dbch \af3 \hich \af0 \loch \f0 accessed on 25-01-2013}{\fs24 \kerning2 \
dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \s18 \qj \fi-360 \li450 \ri0 \
sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin450 \rin0 \itap0 \l
s9 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\field \fldedit {\*\fldinst
{\fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 }{\fs21 \kerning2 \dbch \af3
\hich \af0 \loch \f0 HYPERLINK "http://fic.wharton.upenn.edu/fic/papers/97/9748.
pdf" }}{\*\fldrslt {\fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 }{\cs15 \fs
24 \dbch \af3 \hich \af0 \loch \f0 \cf0 \ulnone0 http://fic.wharton.upenn.edu/fi
c/papers/97/9748.pdf}}}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \af0 \cf0 \u

lnone0 }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 accessed on 23-01-2013
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i-360 \li450 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin
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erning2 \dbch \af3 \hich \af0 \loch \f0 HYPERLINK "http://www.journal.au.edu/aba
c_journal/2004/jan04/abacvol24no1_artical02.pdf" }}{\*\fldrslt {\fs21 \kerning2
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cal02.pdf}}}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \af0 \cf0 \ulnone0 }{\f
s24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 accessed on 23-01-2013}{\fs24 \ke
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0 \ri0 \sl360 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin450 \rin0 \
itap0 \ls9 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\field \fldedit {\*
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ch \af3 \hich \af0 \loch \f0 HYPERLINK "http://www.eurojournals.com/irjfe_36_06.
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bch \af3 \hich \af0 \loch \af0 \cf0 \ulnone0 }{\fs24 \kerning2 \dbch \af3 \hich
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1033 \langnp1033
}{\b1 \fs72 \kerning2 \dbch \af3 \hich \af0 \loch
\f0 \ul1 \ulc0 Annexure}{\b1 \fs72 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \u
l1 \ulc0 \par }\pard \plain \qc \li0 \ri0 \widctlpar \aspalpha \aspnum \adjustri
48 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qc \li0 \ri0 \w
\par }\pard \plain \qc \li0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin
0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b1 \fs48 \kern
ing2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qc \li0 \ri0 \widctlpar
ich \af0 \loch \af0 {\b1 \fs48 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\
pard \plain \qc \li0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0
ch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qc \li0 \ri0 \widctlpar \aspalp
\loch \af0 {\b1 \fs48 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \pl
ain \qc \li0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \
\hich \af0 \loch \f0 \par }\pard \plain \qc \li0 \ri0 \widctlpar \aspalpha \aspn
af0 {\b1 \fs48 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qc
f0 \loch \f0 \par }\pard \plain \qc \li0 \ri0 \widctlpar \aspalpha \aspnum \adju
\fs48 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qc \li0 \ri
dbch \af3 \hich \af0 \loch \af0 {\b1 \fs48 \kerning2 \dbch \af3 \hich \af0 \loch
kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \widct
ng1033 \langnp1033
h \af0 \loch \f0 QUESTIONNAIRE}{\b1 \fs32 \kerning2 \dbch \af3 \hich \af0 \loch
\f0 \par }\pard \plain \qj \li0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \
ng2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \widctlpar
\aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hi
ch \af0 \loch \af0 {\fs21 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard
\plain \qj \li0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap
hich \af0 \loch \f0 \lang1033 \langnp1033 Dear Respondent,}{\fs24 \kerning2 \dbc
0 \lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \widctlpar \aspalpha \a
h \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 I }{\fs24 \kernin
g2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 Manpreet}{\fs24 \kernin
g2 \dbch \af3 \hich \af0 \loch \f0 Kaur ,student of MBA 4}{\fs24 \kerning2 \dbc
h \af3 \hich \af0 \loch \f0 \super1 th}{\fs24 \kerning2 \dbch \af3 \hich \af0 \l
och \f0 Sem of CTIMIT ,Jalandhar want to ask you some questions }{\fs24 \kernin
g2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 on the topic "}{\b1 \fs
24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 Retail Bankin
g in India" }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1
033 for the purpose of which we need to get this questionnaire filled. Your co-o
peration will be highly appreciated. }{\fs24 \kerning2 \dbch \af3 \hich \af0 \lo
\hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pa
3 \hich \af0 \loch \f0 GENDER }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0
\lang1033 \langnp1033 :
Male_______
Female_______}{\fs24 \kerning2
AGE GROUP}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp103
3 :
}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 20-25 }{\fs24 \kerning2
\dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 _______
}{\fs24 \ke
rning2 \dbch \af3 \hich \af0 \loch \f0 25-30 }{\fs24 \kerning2 \dbch \af3 \hich
\af0 \loch \f0 \lang1033 \langnp1033 _______}{\fs24 \kerning2 \dbch \af3 \hich \
af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \widctlpar \aspalpha \aspnum \adj
ustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\f
}{\fs24 \ker
ning2 \dbch \af3 \hich \af0 \loch \f0 30-35 }{\fs24 \kerning2 \dbch \af3 \hich \
af0 \loch \f0 \lang1033 \langnp1033 _______
}{\fs24 \kerning2 \dbch \af3 \
hich \af0 \loch \f0 35-40 }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lan
g1033 \langnp1033 ________
}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f
0 Above 40}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp103
3 ________}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \
0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \widctlpar \aspalpha \aspnum \adjus
4 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \wi
dctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch
\af3 \hich \af0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par
h \af3 \hich \af0 \loch \f0 OCCUPATION}{\fs24 \kerning2 \dbch \af3 \hich \af0 \l
och \f0 \lang1033 \langnp1033 : }{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch
\f0 Student}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp10
33 _______
}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 Salaried}{
\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 _______}{\
\hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \wid
1033 \langnp1033
}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \
f0 Businessman}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langn
p1033 _______
}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 Housewife}{\
fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 _______}{\f
bch \af3 \hich \af0 \loch \f0 \par }\pard \plain \qj \li0 \ri0 \widctlpar \aspal
0 \loch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain
\qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21
0 \loch \f0 \lang1033 \langnp1033 Q1. Are you satisfied with the services of ba
nks ?}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \pa
Yes________
No___
_____}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \pa
0 \loch \f0 \lang1033 \langnp1033 Q2. Do you feel that banks provides services
to individuals as well as small organisations and enterprises ?}{\fs24 \kerning2
Yes________
No________}{\fs24 \kerning2
\langnp1033 Q3. Do you feel that retail banking fulfill the needs of the custom
ers in proper and integrated manner ?}{\fs24 \kerning2 \dbch \af3 \hich \af0 \lo
Yes________
No________}{\fs24 \kerning2 \dbch \af3 \hich \af0 \lo
\tx6525 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b1 \fs24 \kern
\hich \af0 \loch \f0 \lang1033 \langnp1033 Q4. Which type of bank account do yo
u have ?}{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1
fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
Fixed a
ccount_______
Current account_______}{\fs24 \kerning2 \dbch \af3 \hich \
af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \ql \li0 \ri0 \sa200 \lis
a0 \nowidctlpar \adjustright \lin0 \rin0 \tql \tx6525 \itap0 \fs21 \kerning2 \db
lang1033 \langnp1033
Saving account_______
Any other_______}{\fs24 \k
\loch \f0 \lang1033 \langnp1033 Q5. Do you agree that retail banking provides in
novative services to their customers ?}{\fs24 \kerning2 \dbch \af3 \hich \af0 \l
33 \langnp1033
Yes________
No________}{\fs24 \kerning2 \dbch \af3 \
\langnp1033 Q6. According to you which innovative service is better ?}{\fs24 \ke
h \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
}{\fs24 \kerning2 \dbch \af
3 \hich \af0 \loch \f0 \lang1033 \langnp1033 E - Banking_______
E - Comm
erce_______}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp10
0 \rin0 \tql \tx6525 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b
1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
}{\fs
24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 ATM_______
E - Payment_______
All_______}{\fs24 \kerning2 \dbch \af3 \hi
ch \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 Q
7. Are you satisfied with the services of retail banking ?}{\fs24 \kerning2 \dbc
h \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \fi480 \cufi200 \li0 \ri0 \wi
dctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch
g1033 \langnp1033 Yes _______
No_______
Can't say_______}{\fs24 \ke
\qj \fi480 \cufi200 \li0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin0 \r
ch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \fi480
\cufi200 \li0 \ri0 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0
ich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \widct
33 \langnp1033 Q8. Do you feel that information technology has changed the total
scenario of retail banking in india ?}{\fs24 \kerning2 \dbch \af3 \hich \af0 \l
gnp1033
}{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \lan
gnp1033 \par }\pard \plain \qj \fi480 \cufi200 \li0 \ri0 \widctlpar \aspalpha \a
h \af0 {\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 Ye
s_______
No_______}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \la
ng1033 \langnp1033 \par }\pard \plain \qj \fi480 \cufi200 \li0 \ri0 \widctlpar \
aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hic
ing2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 Q9. To what extent yo
u are affected by the innovative services of retail banking.}{\fs24 \kerning2 \d
bch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \ql \li0
\ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \tql \tx6525 \itap0 \fs
Strongly affected _______
Not aff
ected _______}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp
1033 \par }\pard \plain \ql \fi480 \cufi200 \li0 \ri0 \sa200 \lisa0 \nowidctlpar
p1033 Can't say_______}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang103
3 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \widctlpar \aspalpha \aspnum \adj
ustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\f
s21 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }\pard \plain \ql \li0 \ri0 \
loch \f0 \lang1033 \langnp1033 Q10. Do you feel that retail banking provides pla
stic money services to their customers ?}{\fs24 \kerning2 \dbch \af3 \hich \af0
1033 \langnp1033
Yes_______
No_______}{\fs24 \kerning2 \dbch \af3
{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par
rning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 Q11. Which plastic
money service is used by you ?}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0
np1033
ATM_______
Debit card_______}{\fs24 \kerning2 \dbch \af3 \
Credit card_______
Any other_________}{\fs2
af0 \loch \f0 \lang1033 \langnp1033 Q12. Do you feel that IT helps the retail ba
nking to generate more interest with customers ?}{\fs24 \kerning2 \dbch \af3 \hi
}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch
\f0 \lang1033 \langnp1033 Yes_______
No_______}{\fs24 \kerning2 \dbch
ng1033 \langnp1033 Q13. Do you want any change in the guidelines of the govt. in
banking sector ?}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \la
f0 {\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033
}{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 Yes__
_____
No_______}{\b1 \fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0
hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \widc
tlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \a
f3 \hich \af0 \loch \af0 {\fs21 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \par }
\af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0
tx6525 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch \af0 {\b1 \fs24 \kerni
ng2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \ql
\li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \tql \tx6525 \ita
h \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowi
\par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \
0 \lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctl
par \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbch \af3 \hich \af0 \loch
}\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0
\af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0
\sa200 \lisa0 \nowidctlpar \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \dbc
ang1033 \langnp1033 \par }\pard \plain \qj \li0 \ri0 \sa200 \lisa0 \nowidctlpar
{\fs24 \kerning2 \dbch \af3 \hich \af0 \loch \f0 \lang1033 \langnp1033 \par }}}
}}}}}}}}}}}}}}}}}}}

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Ratail Banking

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s retail banking sector is characterized by three basic distinctive features:}{\

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