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Comparison of cost for manual and digitisation operation of retail loans in bank in context to geographical study

Author: 
Dr. Veda D. Malagatti
Subject Area: 
Social Sciences and Humanities
Abstract: 

Banking system occupies an important place in nation’s economy and it plays a pivotal role in the economic development of a country. Digitalization is the integration of digital technologies into everyday life and the digital revolution in banking has only just begun. Today we are in phase one, where most traditional banks offer their customers high-quality web and mobile sites or apps. An alternate approach is one where digital becomes not merely an additional feature but a fully integrated mobile experience in which customers use their smart phones or tablets to do everything from opening a new account and making payments to resolving credit-card billing disputes, all without ever setting foot in a physical branch. Banking- related documentation work has been the bane of everyone’s life. Even post digitalization documentation remained a big hiccup. The wait for a bank representative to verify the documents unnecessarily delayed the loan process. It almost killed the dream of owning a home for many. Then, came the paperless transaction phenomenon which made banking easier, adding new star to the whole process. Although, currently only a handful of banks accept documents online, the trend is quickly gaining pace and popularity. Once in full force, the service will greatly help speed up the service, will greatly help speed up the loan-disbursal process and reduce the cost. Digitalization minimizes the errors, quantum of handling large amounts of cash will be reduced, Opening and maintaining bank accounts would never been this easier, Repetitive tasks will be eliminated by automation, Rural and urban gap will be eliminated, With the increasing cashless transactions fake currency threat will be reduced, Productivity will be increased etc. The main objective of this study is to estimate the average cost for manual and digitalization operations incurred in the Bank for processing of Retail Loans. The cost of Transaction, Process, Employee, Fixed and Variable for manual and digitalization has being provided by the bankers. This study was about SBI bank situated in Urban, Semi-Urban, Rural and SBM, to analyse whether the cost incurred is the same in different demographic. The data required for an empirical comparison by using the specific format of questionnaire for study of manual and digitalization operation on cost has been collected from two sources: primary sources and secondary sources. It is proved by hypothesis testing that both operation is requisite for efficient operating cost and digitization alone would not be fruitful as it may turn costlier for operating bank services.

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