Canara Bank credit Cards

7/28/2019 Canara Bank credit Cards

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1

“E-banking as a technological change in

Canara bank”

Summer Training Report

IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE

AWARD OF THE DEGREE OF

MASTER OF BUSINESS ADMINISTRATION

Submitted by:

Amit Manish Khalkho

Admission no. 2011MB0010

Under the Guidance of

MR. P.R.DEV(Senior Manager, Mrktg. dept., Canara Bank, CO, RANCHI)

Department of Management Studies

Indian School of Mines, Dhanbad-826004



2

ACKNOWLEDGEMENT

My first experience of project has been successfully, thanks to the support of friends &

colleagues with gratitude. I wish to acknowledge all of them. However, I wish to make

special mention of the following.

First of all I am thankful to my project guide Mr. C.TIROO Dhurwa, Ranchi Branch manager

under whose guideline I was able to complete my project. I am wholeheartedly thankful to

him for giving me his value able time & attention for providing me a systematic way for

completing my project in time.

I must make special mention of Dr. NILADRI DAS, my project in charge for his co-operation &

assistance in solving a technical problem. I would like thank to my H.O.D. Dr. J. K.

PATTANAYAK for proving me assistance in solving various problem encountered during

course of my project.

Amit Manish Khalkho

2011MB0010

Department of Management Studies

Indian School of Mines

Dhanbad.



3

CONTENT

Chapter 1:- INTR ODUCTION ……………………………………………. 4

Chapter 2:- ABOUT ORGANIZATION ……………………………………. 6

2.1 Intr oductions …………………………………………………...7

2.2 E- Products………… ………………………………………….10

2.3 Inter net Banking ……………………………………………….11

2.4 ATM …………………………………………………………...13

2.5 Payment Card ……………………………….……………........15

2.6 Mobile Banking……………………………………………….16

2.7 Phone Banking………………………………………………..17

Chapter 3:- BACKGR OUND OF THE PROJECT …………………………18

3.1 Objective ……………………………………………………..19

3.2 Research Methodology ……………………………………….19

3.3 Source of Data ………………………………………………..19

3.4 Sam ple Design ……………………………………………….19

Chapter 4:- CASE- ANALYSIS ……………………………………………20

4.1 Literature Review and Previous Findings ……………..…….21

Chapter 5:- RESEARCH FINDINGS ……………………………………....43

5.1 Conclusion ……………………………………………………38

5.2 Limitations of Research ……………………………………...39

Other Works in Canara bank …………………………….….40

Bibliography………………………………………………………..41

Questionnaire…………………………………………………..42



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Chapter 1:-

INTRODUCTION



5

INTRODUCTION

Online banking (or Internet banking or E-banking) allows customers of a financial

institution to conduct financial transactions on a secure website operated by the institution,

which can be retail or virtual bank, credit union or building society. It may include of anytransactions related to online usage

To access a financial institution's online banking facility, a customer having personal Internet

access must register with the institution for the service, and set up some password (under

various names) for customer verification. The password for online banking is normally not

the same as for telephone banking. Financial institutions now routinely allocate customer

numbers (also under various names), whether or not customers intend to access their

online banking facility. Customer numbers are normally not the same as account numbers,

because a number of accounts can be linked to the one customer number. The customerwill link to the customer number any of those accounts which the customer controls, which

may be cheque, savings, loan, credit card and other accounts.

To access online banking, the customer would go to the financial institution's website, and

enter the online banking facility using the customer number and password. Some financial

institutions have set up additional security steps for access, but there is no consistency to

the approach adopted.



6

Chapter 2:-

ABOUT ORGANIZATION



7

2.1 Introduction

Founded as Canara Bank Hindu Permanent Fund' in 1906, by late Sri. Ammembal

Subba Rao Pai, a philanthropist, this small seed blossomed into a limited company as

'Canara Bank Ltd.' in 1910 and became Canara Bank in 1969 after nationalization.

Sri Ammembal Subba Rao Pai

“A good bank is not only the financial heart of the community, but also one with an

obligation

of helping in every possible manner to improve the economic conditions of the

common people” - A. Subba Rao Pai

Founding Principles:

To remove Superstition and ignorance.

To spread education among all to sub-serve the first principle.

To inculcate the habit of thrift and savings. To transform the financial institution not only as the financial

heart of the community but the social heart as well.

To assist the needy.

To work with sense of service and dedication.

To develop a concern for fellow human being and sensitivity to

the surroundings with a view to make changes/remove

hardships and sufferings.

Sound founding principles, enlightened leadership, unique work culture andremarkable adaptability to changing banking environment have enabled Canara

Bank to be a frontline banking institution of global standards.

Significant Milestones

Year Events

1st July 1906 Canara Hindu Permanent Fund Ltd. formally registered with a

capital of 2000 shares of Rs.50/- each, with 4 employees.

1910 Canara Hindu Permanent Fund renamed as Canara Bank Limited



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1969 14 major banks in the country, including Canara Bank, nationalized

on July 19

1976 1000th branch inaugurated

1983 Overseas branch at London inaugurated Cancard (the Bank’s credit

card)Launched

1984 Merger with the Laksmi Commercial Bank Limited

1985 Commissioning of Indo Hong Kong International Finance Limited

1987 Canbank Mutual Fund & Canfin Homes launched

1989 Canbank Venture Capital Fund started

1989-90 Canbank Factors Limited, the factoring subsidiary launched

1992-93 Became the first Bank to articulate and adopt the directive principles

of “Good

Banking”.

1995-96 Became the first Bank to be conferred with ISO 9002 certification for

one of its

branches in Bangalore

2001-02 Opened a 'Mahila Banking Branch', first of its kind at Bangalore, for

catering

exclusively to the financial requirements of women clientele.

2002-03 Maiden IPO of the Bank

2003-04 Launched Internet & Mobile Banking Services

2004-05 100% Branch computerization

2005-06 Entered 100th Year in Banking Service. It Launched Core Banking

Solution in select

branches.

Number One Position in Aggregate Business among Nationalized

Banks

2006-07 Retained Number One Position in Aggregate Business among

Nationalized

Banks.



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Signed MoUs for Commissioning Two JVs in Insurance and Asset

Management with

international majors viz., HSBC (Asia Pacific) Holding and Robeco

Groep N.V

respectively

2007-08 Launching of New Brand Identity

Incorporation of Insurance and Asset Management JVs

Launching of 'Online Trading' portal

Launching of a ‘Call Centre’

Switchover to Basel II New Capital Adequacy Framework

2008-09 The Bank crossed the coveted Rs. 3 lakh crore in aggregate business

The Bank’s 3rd f oreign branch at Shanghai commissioned

2009-10 The Bank’s aggregate business crossed Rs.4 lakh crore mark.

Net profit of the Bank crossed Rs.3000 crore.

The Bank’s branch network crossed the 3000 mark.

As at March 2011, the total business of the Bank stood at Rs.5,00,000 crore.



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2.2 E- Products

Electronic banking, also known electronic fund transfer (EFT), uses computer and electronic

technology as a substitute for checks and other paper transactions. EFTs are initiated

through devices like cards or codes that let you, or those you authorize, access youraccount. Many financial institutions use ATM or debit cards and Personal Identification

Numbers (PINs) for this purpose. Some use other forms of debit cards and personal

Identification Numbers (PINs) for this purpose. Some use other forms of debit cards such as

those that require, at the most, your signature or a scan. The federal Electronic Fund

Transfer Act (EFT Act) covers some electronic consumer transactions. Following are the

electronic medium or products by which services are generally provided by the banks as a

part of e-banking services.

1) Internet Banking

2) ATM (Automatic Teller Machine)

3 Payment Cards (Debits/Credit Card)

4) Mobile Banking

5) Phone Banking

All the above mediums provide services, which can be, also known as “any time anywhere

banking”. This facilitates the customer of the bank to operate their account from any cornerof the world, without visiting local or any subsidiary branch of their banks. Efforts are made

by the bank not only to provide the facility to the customer, but also to reduce the

operational cost of the bank by providing e-banking services. So with this, banks have to

employ less staff and still would be able to deliver service to the customer, round the

corner.



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2.3 Internet Banking

Net banking is a web-based service that enables the banks authorized customers to access

their account information. It allows the customers to log on to the banks website with the

help of bank’s issued identification and personal identification number (PIN). The bankingsystem verifies the user and provides access to the requested services, the range

of products and service offered by each bank on the internet differs widely in there

content. Most banks offer net banking as a value-added service. Net banking has also led to

the emergent of new banks, which operate only through the internet and do not

exists physically, Such banks are called “virtual” banks or “Internet Only” banks. A couple of

years ago, there was a belief even among bankers that customers opening new accounts

wanted the online banking facility, just to ‘feel good’ and very few of them actually used

that services. Today, bankers believe that the trend from ‘nice to have’ is changing to ‘need

to have’ .after all it depends on how busy a person is. Services provided through InternetBanking:-1) Account information,2)E-cheques (Online Fund Transfer),3) Bill Payment Service,

4) Requests And Intimations, 5) Demat Account share trading.

1. Account information

Provides summary of all bank accounts Allow transaction tracking which enables retrieval of

transaction details based on cheque number, transaction amount, and date.Provide account

statement and transaction reports used on user-defined criteria. Customers can even

download and print the statement of accounts.

2 .E-Cheques ( Online Fund Transfer)

Customer can transfer funds: Transfer funds between accounts, even if they are in different

branches’ cities Customer can also transfer funds to any person having an account with the

same bank anytime, anywhere, using third party funds transfer option.

3. Bill Payment Service

Banks Bill Payment is the easiest way to manage bills. A/c holder can pay their regular

monthly bills i.e. telephone, electricity, mobile phone, insurance etc. at anytime, anywherefor free. Saves time and effort. Make bill payments at customer’s convenience form their

home or office. Lets a/c holders check their hill amount before it is debited form their

account. No debits to account without their knowledge. No more missed deadlines, no more

loss of interest – a/c holder can schedule their bills in advance, avoid missing the bill

deadlines as well as earn extra interest on their money. Track payment history – all

payments to a biller are stored automatically for future reference. No queuing up at

collection centers or writing cheque any more! Just a few clicks and customers account will

be debited for the exact amount they ask.



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4. Requests And Intimations

Can electronically submit a request for: Cheque -book Stop payment instructions Opening a

fixed deposit Opening a recurring deposit Intimate for the loss of ATM card Register online

for phone and mobile banking Cheque status Online application for debit card Issue a DD or

a Banker’s cheque form account at special rates. Just select the account to be debited form

and give details of the amount, location and beneficiary. The demand draft will be couriered

to a/c holder at their mailing address. Customers can get their applications for issuance of

Letters of Credit and Bank Guarantees processed online Book your Railways Ticket Online

5. Demat Account and Share Trading Demat Account

Demat is commonly used abbreviation of ‘Dematerialisation’, which is a process whereby

securities like share, debentures are converted from the ‘material’ (paper documents)unto

electronic data and stored in the computer of an electronic Depository. A depository is a

security ‘banks,’ where dematerialized physical securities are held in custody, and form

where they can be traded. This facilitates faster, risk-free and low cost settlement.

6. Share Trading

In share trading a customer can buy and sell securities online without stepping into

a broker’s office. Once the share are dematerialized then the trading can be done from

home or office. As demat a/c are directly linked to the customer’s bank a/c, so there is noneed to write cheque for the payments or to fill up the slips to deposit the cheque. Amount

for the purchase and sale of securities is automatically debited or credited to their bank a/c.

it also brings the same convenience while investing in Mutual funds also Hassle free and

Paperless.



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2.4 ATMs

Automated Teller Machines or 24-hour Tellers are electronic terminals that let you

bank almost anytime. To withdraw cash, make deposits, or transfer funds between

accounts, you generally insert an ATM card and enter your PIN. Some financial institutionand ATM owners charge a fee, particularly to consumers who don’t have accounts with the

more on transactions at remote locations. Generally, ATMs must tell you they charge a fee

and its amount on or at the terminal screen before you complete the transaction. Check the

rules of our institution and ATMs you use to find out when or whether a fee is charged .It

won’t be just if I start explaining what an ATM is. ATMs and cash dispensers are by far the

largest investment ever made in electronic self-service by financial institutions. Over US$ 40

billion has been invested in simply buying these machines and many times that in running

them. There are now over 1.1 million machines operating in over 140countries worldwide.

The banks are losing the cashier’s checks, check cashing and even cash dispensing to the c-stores and grocery stores. They are asleep at the switch and watching more transactions

walk away to convenience stores and supermarkets that provide 24 hour access and

integrated transactions. ATMs do provide a larger set of functions, such as check cashing,

ticket sales or money orders. We already know that cash dispensing as a dedicated function

is a sustainable applications, the question is whether that application can be incorporated

successfully into a more complex consumer product that offers multiple applications. It is

worth noting that, due to market saturation, overall ATM usage is increasing while

transaction volume on a per-ATM basis is now in decline.

1.Cash withdrawal

Withdraw up to Rs.25,000/- per day from your account. Fast cash options provides the

facility of withdrawing prefixed amounts. Ultra Fast Cash options allows you to withdraw

Rs.5000/- in one shot.

2.Balance Enquiry

Know your ledger balance and available balance

3.Mini Statement

Get a printout of your last 8 transactions and your current balance.

4.Deposit Cash / Cheques

Available at all full function ATMs. Customers can deposit both cash and cheques. / Cash

deposited in ATMs will be credited to the account on the same day (provided cash is

deposited before the clearing) and cheques are sent for clearing on the next working day.



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5.Funds Transfer

Transfer funds from one account to another linked account in the same branch.

6.PIN Changes

Change the Personal Identification Number (PIN) of ATM or Debit card.

7.Payments

The latest feature of our ATMs, this functionality can be used for payment of bills, making

donations to temples / trusts, buying internet packs, airtime recharges for prepaid mobile

phones and much more.

ATM Advantages

24-hour access to cash

Fast cash

Balance inquiry

Mini-statement request

Cheque book request

Funds transfer

PIN change

Bill Pay

Anytime cash deposits



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2.5 Payment Card

A payment card is a card that can be used by a cardholder and accepted by a merchant to

make a payment for a purchase or in payment of some other obligation.

There several types of payment cards in the marketplace which have several features in

common. Payment cards are embossed plastic cards the size of which comply with a

standard and have an embossed bank card number conforming with the numbering

standard.

Types of payment cards

1.Credit card

A credit card is part of a system of payments named after the small plastic card issued to users of the

system. It is a card entitling its holder to buy goods and services based on the holder's promise to

pay for these goods and services.The issuer of the card grants a line of credit to the consumer or the

user from which the user can borrow money for payment to a merchant or as a cash advance to the

user.

2.Debit Card

A debit card is a plastic card that provides an alternative payment method to cash when making

purchases. Functionally, it can be called an electronic cheque, as the funds are withdrawn directly

from either the bank account, or from the remaining balance on the card. In some cases, the cards

are designed exclusively for use on the Internet, and so there is no physical card.

The use of debit cards has become widespread in many countries and has overtaken the cheque,

and in some instances cash transactions by volume. Like credit cards, debit cards are used widely for

telephone and Internet purchases, and unlike credit cards the funds are transferred from the

bearer's bank account instead of having the bearer to pay back on a later date.

Debit cards can also allow for instant withdrawal of cash, acting as the ATM card, and as a cheque

guarantee card. Merchants can also offer "cashback"/"cashout" facilities to customers, where a

customer can withdraw cash along with their purchase.

3.Fleet card

A fleet card is used as a payment card most commonly for gasoline, diesel and other fuels at gas

stations. Fleet cards can also be used to pay for vehicle maintenance and expenses at the discretion

of the fleet owner or manager. The use of a fleet card also eliminates the need for cash carrying, thus

increasing the level of security felt by fleet drivers. The elimination of cash also makes it easier to

prevent fraudulent transactions from occurring at a fleet owner or manager’s expense.

Fleet cards are unique due to the convenient and comprehensive reporting that accompanies their

use. Fleet cards enable fleet owners/managers to receive real time reports and set purchase controls

with their cards helping them to stay informed of all business related expenses.



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2.6 Mobile Banking

Mobile banking (also known as M-Banking) is a term used for performing balance checks,

account transactions, payments, credit applications and other banking transactions through

a mobile device such as a mobile phone or Personal Digital Assistant (PDA). The earliestmobile banking services were offered over SMS, a service known as SMS banking. With the

introduction of the first primitive smart phones with WAP support enabling the use of

the mobile web in 1999, the first European banks started to offer mobile banking on this

platform to their customers.

Mobile banking has until recently (2010) most often been performed via SMS or the Mobile

Web. Apple's initial success with I-Phone and the rapid growth of phones based

on Google's Android (operating system) have led to increasing use of special client

programs, called apps, downloaded to the mobile device.

Mobile banking services

1. Account information,

2. Payments, deposits, withdrawals, and transfers.



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2.7 Phone Banking

Now your bank account is now just a phone call away. Through Phone Banking you can:

Check your account balance.

Check the last 5 transactions in your account.

Enquire on the cheque status.

Have a mini statement faxed across to you.

Request for a cheque book / Account statement.

Enquire on your Fixed deposits / TDS.

Open a fixed deposit

Request for Demand Draft / Managers Cheques.

Transfer funds amongst your linked accounts

Do a stop cheque payments.

Report loss of your ATM /Debit Card.

Product information.



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Chapter 3:-

BACKGROUND OF

THE PROJECT



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3.1Objective

Penetration of the use of E-banking i.e. ( Internet Banking, Mobile Banking, Paymentcards, ATM, Phone Banking among canara bank customers related to demographic

factors.

3.2Research methodology

In the research part firstly I have used survey method by self filling up questionnaire by the

answers given by the customer when they visit bank and secondly used observatory method

about how many of the customer use different techno product when they came to bank to

activate there techno product.

Then thirdly I have used column chart to show the variables for research done on 50

customers.

3.3 Source of Data:

Primary data source: Questionnaire.

Secondary data source: Bank’s web site, internet, previous research papers.

3.4 Sample Design:

Sample size: 50.



20

CHAPTER 4:-

CASE- ANALYSIS



21

4.1 Literature Review and Previous Findings

As survey conducted on 50 canara bank’s customer to find the penetration of most

commonly used technological product of canara bank ranked from 1-100 scale and shown

the difference in the column chart .The survey was based on demographic basis core

focused on-1.Occupation,2.Income,3.Education,4.Age,5.Gender.

1. Internet Banking

Occupation

The Occupation chart represent that internet banking is mostly used by senior executives

group of customers and decline in its uses by other groups who are less professionals.

Income

0

10

20

30

40

50

Occupation

Occupation

0

10

20

30

40

50

60

7 lakh< 6-6.99

lakh

5-5.99

lakh

4-4.99

lakh

1-2.99 1 lakh>

Income

Income



22

The income chart represent that internet banking is mostly used by high income group of

customers and decline in its uses by least earning groups .

Education

The education chart represent that most educated customer mostly used internet banking

and decline in its uses by less educated groups .

Age

The age chart represent that mostly the middle age group uses internet banking and decline

in its uses by senior citizen groups .

0

10

20

30

40

50

60

Post

Graduate

Graduate Under

graduate

SSC/HSC others

Education

Education

0

10

20

30

40

50

60

61+ 46-60 36-45 26-35 18-25

Age

Age



23

Gender

The gender chart represent that mostly the male dominant group uses the internet banking

and decline in its uses by female groups .

0

10

20

30

40

50

60

70

80

Male Female

Gender

Gender



24

2. Mobile Banking

Occupation

The Occupation chart represent that mobile banking is mostly used by senior executives

and businessman group of customers and decline in its uses by other groups who are less

professionals.

Income

The income chart represent that mobile banking is mostly used by high income group of

customers and decline in its uses by least earning groups .

0

510

15

20

25

30

35

40

Occupation

Occupation

0

5

10

15

2025

30

35

40

45

50

7 lakh< 6-6.99

lakh

5-5.99

lakh

4-4.99

lakh

1-2.99 1 lakh>

Income

Income



25

Education

The education chart represent that most educated customer mostly used mobile banking

and decline in its uses by less educated groups.

Age

The age chart represent that mostly the middle age group uses mobile banking and decline

in its uses by senior citizen groups.

0

10

20

30

40

50

Post

Graduate

Graduate Under

graduate

SSC/HSC others

Education

Education

0

10

20

30

40

50

61+ 46-60 36-45 26-35 18-25

Age

Age



26

Gender

The gender chart represent that mostly the male dominant group uses the mobile banking

and decline in its uses by female groups.

0

10

20

30

40

50

60

70

Male Female

Gender

Gender



27

3. Payment card (Debit/Credit card)

Occupation

The Occupation chart represent that payment card is mostly used by self employed and

business group of customers and decline in its uses by other groups .

Income

The income chart represent that payment cards are mostly used by middle income group of

customers and less decline in its uses by other earning group .

0

5

10

15

20

25

30

Occupation

Occupation

0

5

10

15

20

25

30

7 lakh< 6-6.99

lakh

5-5.99

lakh

4-4.99

lakh

1-2.99 1 lakh>

Income

Income



28

Education

The education chart represents that highly educated customer mostly used payment cards

and decline in its uses by less educated groups.

Age

The age chart represent that mostly the middle age group uses payment card and decline in

its uses by senior citizen groups.

0

5

10

15

20

25

30

35

40

Post

Graduate

Graduate Under

graduate

SSC/HSC others

Education

Education

0

5

10

15

20

25

30

35

40

61+ 46-60 36-45 26-35 18-25

Age

Age



29

Gender

The gender chart represent that there is equal distribution in the use of ATM by both male

and female.

0

10

20

30

40

50

Male Female

Gender

Gender



30

4. Atm

Occupation

The Occupation chart represent that ATM is mostly used by self employed and business

group of customers and decline in its uses by other groups.

Income

The income chart represent that ATM are mostly used by average income group of

customers and decline in its uses by high earning groups.

0

5

10

15

20

25

30

Occupation

Occupation

0

5

10

15

20

25

30

7 lakh< 6-6.99

lakh

5-5.99

lakh

4-4.99

lakh

1-2.99 1 lakh>

Income

Income



31

Education

The education chart represent that high educated customer mostly used ATM and decline in

its uses by less educated groups.

Age

The age chart represent that mostly the middle age group uses ATM and decline in its uses

by senior citizen groups.

0

5

10

15

20

25

30

Post

Graduate

Graduate Under

graduate

SSC/HSC others

Education

Education

0

5

10

15

20

25

30

61+ 46-60 36-45 26-35 18-25

Age

Age



32

Gender

The gender chart represent that there is slight difference in distribution in the use of ATM

by both male and female.

0

10

20

30

40

50

60

Male Female

Gender

Gender



33

5. Phone Banking

Occupation

The Occupation chart represent that phone banking is mostly used by self employed and

business group and senior executive of customers and decline in its uses by other groups.

Income

The income chart represent that phone banking are mostly used by high income group of

customers and decline in its uses by less earning groups.

0

5

10

15

20

25

30

Occupation

Occupation

0

5

10

15

20

25

30

7 lakh< 6-6.99

lakh

5-5.99

lakh

4-4.99

lakh

1-2.99 1 lakh>

Income

Income



34

Education

The education chart represent that high educated customer mostly used phone banking and

decline in its uses by less educated groups .

Age

The age chart represent that mostly the middle age group uses phone banking and decline

in its uses by senior citizen groups .

0

5

10

15

20

25

30

35

40

Post

Graduate

Graduate Under

graduate

SSC/HSC others

Education

Education

0

5

10

15

20

25

30

35

40

61+ 46-60 36-45 26-35 18-25

Age

Age



35

Gender

The gender chart represent that there is high in the use of phone banking by male than

female .

0

10

20

30

40

50

60

70

Male Female

Gender

Gender



36

CHAPTER 5:-

RESEARCH AND

FINDINGS



37

From the following case analysis the research and finding were that:-

1.The customer mostly use internet banking, payment card, ATM, and lower by the use of

mobile banking which is near to these above ones and least used is the phone banking.(see

above chart).

2. The techno products are used by the senior executives, high income, highly educated and

mostly by the middle aged people and it does not have the accurate proposition of the

gender that uses these products.

3. The reason that the customer uses these products are:-

Time Saving

User friendly

Confidentiality

Hassle free in processing

Security

Cheaper

4.The customer who have saving accounts also have debit cards as well as it shows a rise in

the payment bar.

5.The chart also shows that there is less acquaintance of the phone banking may be by the

unaware of its popularity.

0

5

10

15

20

25

Comparision Of E-Product

Comparision Of E-Product



38

5.1 Conclusion

This Dhurwa, Ranchi branch mostly have 80% of customer having salary accounts of HEC,

KENDRIYE VIDIYALAY staff. The awareness is still low for these techno products as the staffs

of the banks are not updated with the latest technological changes of the system. If theinfluence of techno product will increase it will reduce the bank’s operation cost.



39

5.2 Limitations of Research

The limitations of this research are :-

1. The data accuracy might may not be exact because of the people may be not concern

about the question that were asked.

2. The banks environment does not permitted to put disturbance to the bank’s customer

for time taken for answering the question as they were in bank for their own banking

purpose.



40

Other Works in Canara Bank

More than 30 internet and SMS banking facilities was activated by me to the

existing customers.

I issued almost more than 40 ATM cum debit card to the existing customers. I opened more than 60 savings account and joint account in Dhurwa branch.



41

Bibliography

Books & journals:

Marketing Management by R.C.Aggrawal.

Websites:

1. http://www.canarabank.com/English/Home.aspx ,

2. http://en.wikipedia.org/wiki/Internet_banking,

3. http://www.google.co.in/

4. http://freeonlinesurveys.com/

5. http://www.internetworldstats.com/emarketing.htm

http://www.canarabank.com/English/Home.aspx


http://en.wikipedia.org/wiki/Internet_banking


http://www.google.co.in/


http://freeonlinesurveys.com/


http://www.internetworldstats.com/emarketing.htm









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Questionnaire (Plz. Tick where ever applicable)

To Study the penetration of techno product in Canara Bank

Name: ……………………………………………………………………………..

Age : 18-25 25-35 35 – 45 45and above

Gender: Male Female

Occupation: Service Business Student Others ……………………………

Education: Matriculate Graduation Post Graduation Other………………….

Income pm: Less than 15000 20000 – 25000 25000 – 35000 Above 35000

Address:..............................................................................................................................

E-mail I’d: …………………………………………………………………………………………..

Contact no.……………………………………………………………………………………………….

1. Which account do you have in Canara Bank?

1. SB 2.CA 3. JOINT 4.RD 5.FIXED

2. Do you know about these techno products?

1. Yes 2.No 3.Can’t say

3. If Yes, through what sources you have come to know about the

product?

1.Staff 2.Friend 3.Brochure/AD 4.Other,………………….



4. Which type of Service you prefers the most?

1.Internet Banking 2. ATM 3. Payment Cards 4. Mobile Banking

5. Phone Banking

5.Which of following others banks do you have account?

1. ICICI Bank 2. SBI Bank 3.HDFC BANK 4.Axis Bank5. Other Pls. specify __________________

Canara Bank credit Cards

Documents

Transcript of Canara Bank credit Cards