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1、InformationTechnologyinBankingServices–Trends,IssuesandChallengesIntroductionIndianbankingtodayiswitnessingdrasticchanges.TheliberalizationofthefinancialsectorandbankingsectorreformshaveexposedtheIndianbankstoaneweconomicenvironmentthatischaracterizedbyincreasedcompetitionandne
2、wregulatoryrequirements.Asaresult,thereisatransformationineverysphereofactivitiesofthebanksinIndia,especiallyinGovernance,natureofbusiness,styleoffunctioninganddeliverymechanisms.Thenewgenerationbanksbroughtthenecessarycompetitionintotheindustryandspearheadedchangestowardshighe
3、rutilizationoftechnology,improvedcustomerserviceandinnovativeproducts.Inspiteoftheirstrongandlargernetwork,publicsectorbanksprovedtobesurprisinglyquickandflexibletomeettheemergingneedsofcustomers.Changeistheorderoftheday.NatureofChangeintheBankingIndustryThechangesinthepolitica
4、l,economical,social,culturalandenvironmentalperspectivecanbeseeninbusinessenvironmenttoo.Aboveall,thebusinessscenarioishighlyinfluencedbythechangesintheneedsandaspirationsofthepeople.Thehumanfactorssuchas,themindsetofthepeople,ethicsandvalues,socialsystem,lifestyle,workculturee
5、tc.aregreatlyinducethedifferentsectionsofthepeopleforchangingtheirday-to-dayrequirements.Buttoday,thedegreeofsuchchangesissofastandmorefrequentlyexperiencedbythem.Therefore,theconsumerstatusischangedfrom;isolatedtoconnected,unawaretowell-informed,passivetoactive.Consumersnowsee
6、ktoexercisetheirinfluenceineverywalkofthebusinesssystem,interactwithfirmsandco-createvalue.Astheoutreachisenlargedintheindustrywiththeincreasednumberofbanksandwidernetwork,thecustomerdemandsconvenience,comfort,speed,cost-effectiveandqualityservicesinthebankingoperations.Inthere
7、centyearstheIndianbankingindustrysawahostofnewfacescallednewgenerationbanksenteringwiththeirinnovativestrategies.Allthesebankersaregenerallysliminstructurebutheavilyusingthetechnologyandmulti-channelfacilitiestoreachouttoalargesectionofthecustomers.InformationTechnologyandBanki
8、ngServices–TheTrendInthiscontext,InformationTechnology
