A descriptive Study on the Security Aspects of Various Alternate Channels of the Banks

Dr. N. Panchanatham, R Vijesh, Vijay Anand, Dr. B. Rajasekaran


Banking Industry is facing a challenge due to change in service delivery, adding more alternative channels for distributing their services with better service standards. Alternate delivery channels and new channel integration with the Core Banking System (CBS) has increased to a greater extent due to two reasons, one is the peer pressure and the second is regulatory requirement. All these alternative channels were connected with the CBS by way of an interface as a channel. The reason why none of these alternate services were not within the CBS is obvious that each and every distribution channel is using various communication media which are out of the CBS provider’s control and are exposed to security threat. Hence the impact here is the security!!! This study was conducted within Tamil Nadu among top two private and public sector banks’ users to measure the level of consumer self-confidence for using alternative channels for banking services and how these consumers’ self confidence helps to identify the perceived risk associated with the alternative channels they prefer to transact. How do consumers think about the organisation through the judgement and feelings associated with these alternative channels? Consumer behaviour is measured through E-Loyalty (electronic loyalty). E-Loyalty measures the consumer behaviour towards the alternative channel banking services provided by the banks. Based on that how clients are repeatedly using these services, their level of trust with respect to the alternative channel banking services is analysed.

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ISSN : 2251-1563