Banking With Technology: A New Vision-2020


Author:            Dr. R. K. Uppal

ISBN   :          978-81-933172-1-1

Price:             Rs. 1695/-

Year               2017

Size:              9.5″x8.25(Crown)



Dr. R.K. Uppal, a man of letters, did his M.A. in Economics from Punjabi University, Patiala in 1986. Thereafter, he obtained M. Phil. degree from MDU, Rohtak in 1987, Ph. D. degree from Punjabi University, Patiala and D.Litt degree from International University California, USA in 2009,  Specializing in banking and finance, Dr. Uppal has 56 books in his credit and has published 300 research papers on the subject in reputed national and international journals. He also presented 72 research papers in national and international conferences among these 8 papers have been accepted in international conferences in Hawai, Indonesia, Finland, Costa-Rica, Australia, London, Pakistan and UK. Presently, he is head of the Dept. of Economics, DAV College, Malout (Punjab) and Principal Investigator of a UGC-Financed Major Research Project on Indian Banking. He is actively engaged in some nationally significant research projects. 62 students have completed their M.Phil and 5 students are doing Ph.D under his guidance. He has organized 16 UGC sponsored national conferences in his institution. He has chaired 14 technical sessions in national and international conferences. He has successfully completed seven major research projects of UGC, ICSSR and HRD Ministry, New Delhi. He is actively working in advisory board of editors in national and international journals. Many organizations at national level  honoured Dr. Uppal with jewel of India award, best educationist award, bhartiya shiromani purskar, arch of excellence in education award, pride of India award etc.


The recent trends show that most ‘Brick and Mortar’ banks are shifting from a ‘Product – Centric’ model to a ‘Customer – Centric’ model as they develop their new ebanking capabilities. Indian banks offer to their customer many ebanking products and services like atm, internet banking, mobile banking, tele- banking, electronic clearing cards, smart cards, door step banking, electronic fund transfer, sms banking etc. Internet banking that has revolutionized the banking industry worldwide has turned out to be the nuclear issue of various studies all over the world. Banking today is a flourishing industry, focused on technological innovation. Internet banking has emerged as the biggest focus area in the “Digital Transformation” agenda of banks. The three broad facilities that ebanking offers are convenience – complete your banking at your convenience in the comfort of your home, no more there are no queues’ at an online bank , 24×7 services, banks online services is provided 24 hours a day. The present book on the banks of an empirical research of ebanking customers, their perception and expectations about e-services provides an ample opportunity for new technology in banks and predicts future of ebanks and at the same times clearly indicates the new vision for the banks. The book highlights various e-services products and ebook customers’ perceptions and expectations. With an empirical research the researcher has tried to find out the gap between the expectations and perceptions of e-bank customers. At the end book suggests many strategies to enhance the customer’s base in the e-age. The book also visualizes new vision of banks in 2020. This book may be useful for the banking industry, planners, policy makers, academicians, researchers and those who are interested in banking studies. It will also be very useful for all those who want to understand recent Indian banking technological developments in.


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