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Information technology in the banking sector opportunities and strategies

Author: 
Dr. Malleswari Devi, A. and Mrs. A. Devaki
Subject Area: 
Social Sciences and Humanities
Abstract: 

Electronic banking is generally an extension of traditional banking, using the internet as an electric delivery channel for banking products and services. The banking today is redefined and re-engineered with the use of IT and it is sure that the future of banking will offer more sophisticated services to customers with the continuous product and process innovations. Thus there is a paradigm shift from seller’s market to buyer’s market. So banks also change their approach from “Conventional Banking to Convenience Banking” and “Mass banking to Class Banking”. The study examines various relevant issues relating to role of IT in banking and recommends to ensure privacy and confidentiality of data. Implemening IT and other Cyber laws properly. This will ensure the developmental role of IT in the banking industry. The technology needs to be integrated in an organization, with the change management issues linked to people resisting new concepts and ideas. It also needs to support a clearly defined and well communicated business strategy.

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