Computerized Methodology to Analysis Customer’s Satisfaction Towards Digital Banking Services with Special Reference to Salem District in Tamilnadu

The Banking System Plays a Vital Role in the Modern Banking Sector. In every state, progress depends mainly on the banking system. It is a similar payment system that allows bank clients or alternate money establishments to attempt to make a variety of monetary transactions during the entire period on the website of the commercial banks. The officials, scholars and banks have attracted interest. And Card transfer has assumed importance in the rear of modernization of the world, the effects from market forces and regulatory innovations. There have been created to make electronic payments accessible and incorporated. This is recent developments that have contributed immensely to economic growth of the banking sector. The information technology and e-commerce product is e-Banking. This research sheds light on the effects that affect clients' engagement with e-banking services.


Introduction
In contrast to bank branches, online banking would automatically link to or be part of the overall central bank run by a bank, which was the traditional manner in which consumers were able to access financial services. In the internet banking process, financial institutions specify the kinds of financial transactions that a customer may make, but these usually include the collection of cash accounts, the list of pending activity, the transfer of electronic bills and the transfer of money from one customer to others. Most of the bank are connecting internet nowadays. The expense of these "virtual banks" is lower than that of their counterparts in brick and mortar. The Deposit Insurance Corporation (FDIC) in the United States helps to ensure many online banks and can provide consumer funds with the same degree of security as traditional banks. Specific innovations in banking sector have taken place. Technology has influenced the way consumers communicate with lenders, among the various advances. Computerized platforms and services such as ATMs, cards, online banking and mobile banking are offered alongside conventional banking networks. In the operation of networks between advanced and developing worlds, there's many discrepancies are existing.
personal bank account to be monitored and used, such as monitoring account balance, shifting funds from one account to the next. In This connection, this article attempts to top Customer satisfaction towards & Banking services rendered by various banks.

Scope of the study
A research aims to explain degree to which clients use modern banking services. The study further expands and helps to establish a growing link through modern services with customers. Today, for 24 hours, the client needs banking services. Due to pervasive internet technology, the entire banking system has been modified in the modern era. Electronic payment systems today focus on all facets of the economy, including such finance, commerce, manufacture, import, procurement and selling of all goods and services. Future research can be achieved by reviewing the combined effects of private sector and public service banks' e-banking facilities. The analysis carried out towards the customers' use of these facilities.

Objectives of the study
➢ To understand the variables that affecting the Digital Banking Services, ➢ To analyses degree of satisfaction of consumers towards Digital Services and ➢ To identify the impact of Digital Banking Services in the Banking Industry.

Research Methodology
Research was an educational practice, inherently, word should use in a scientific context. Research is also an innovative addition to the existing supply of results transmitted because of its creation. With the assistance of research, observation, contrast and experiment, it is the pursuit of reality. The technique of study may be to systematically solve the downside of the progress. It can be interpreted as an adventure science, but research was conducted professionally. Ii is normally adopted by the researcher question together with the reasoning underlying each other.

Size of the sample
A sample size of hundred participants was chosen for the analysis it through application of convenience sampling techniques.

Sampling design
The technique of choosing a sample as well as what is commonly referred to as the test type should be decided by the Researcher. Sometimes chance samples or samples with non-probability can be samples. We used nonprobability comparisons in this survey.

Sampling techniques
In this analysis, the convenient technique of sampling is used. If the convenience of access is assisted by the population area unit selected for inclusion within the survey, convenient sampling may be regarded.
The primary data were collected through the questionnaire. The questionnaire was systematically structured to answer appropriate and specific questions covering all area research. In various investment and monetary evaluations, it is the main technique used widely.

(ii) Secondary data
The history of the present analysis has been gathered from books, journals, websites and others.
Tools used for analysis ▪ Data collection systems were used for the analysis and processing of the findings. ▪ Percentage analysis methods ▪ Analysis of variance (ANOVA) -One way

Hypothesis
The theory regardless of key analytical tool; its primary task is to encourage new research and findings. Null Hypothesis and Alternative Hypothesis are two kinds of hypotheses. In the study was found null hypotheses as there is no meaningful relationship between banking services and customer satisfaction.

Limitations of the study
▪ Under a certain limit, each review is carried out and this research is not an exception. Constraints for study as follows, ▪ The sample size of the large population was taken from only 100 respondents. ▪ The results refer only to the Salem District respondents. In Tamil Nadu, it is not applicable to any other location.
Kavitha and Fatima Razia (2016) analyzed the resources that facilitate customers to choose e-banking services in a paper, "Factor Analysis of Both the consumer Preferences In E-Banking Services For Particular Regard to Coimbatore City," She identified twenty parameters but decided that those quantities can be condensed into six server variables called Encryption and Credibility, Belief in e-services, Browser design. The table shows both men and women are equivalent. 31per cent are 26-35 years of age and less than 25 years of age out of 100 respondents. The UG Degree related to educational qualifications has been completed by 50 per cent and 29 percent completed the PG Degree. In private companies, 41 percent of those surveyed work. 56 are married. It is clear that 40 percent complainant's annual income is Rs. 100,000-300,000, followed by less than 100000000 (38per cent). In urban areas, 47 per cent of those polled live.

Classification of Category of the Bank Category of the bank Frequency percent
Public

Interpretation:
From the table, it is noted that 27% of customers face transaction risk, 24% of respondents face interest rate risk on credit risk, 20% of people face price risks. It is assumed that 29 percent of respondents are faced with password risk use the E-Banking services.

HYPOTHESIS (H0)
There is no substantial difference between age and e-banking service satisfaction among the customers. The above said ANOVA table indicates that for e-banking products such as accounting details and account balance, e-payments, bank to account transfer report query, card delivery clarity, amount of sales, convenient location, better than allocation and easy to be using adoption, the likelihood output is higher than 0.05 among age and service quality. Thus, the Null hypothesis is agreed and it is assumed that these factors do not vary significantly inside the age range of the respondent.

HYPOTHESIS (H0):
There is no significant difference between category and satisfaction of E-Banking

Interpretation:
Above that the ANOVA resulted in a probability level 0.05 level between bank classes and customer experience with e-banking products such as account balance of financial reports, account transfer of e-payments, announcement, request, amount of sales promptly, ideally placed, better then allocation. The hypothesis is thus accepted and it is inferred that these parameters between the categories of banks that the participants have significant relationship with e-banking services.

Suggestion
Many of the people do not know about the use of Digital Banking services offered by various banks. Banks should take the more steps to boost the understanding of, and the benefits that use, the various e-banking facilities available. A training of e-banking must be giving to clients to encourage digital transactions. Banks should focus of security issues relating to sensitive passwords which are at risk of intrusion in the cyber space. It is crucial to decrease the costs involved with using Internet banking in order to maximize the amount of Internet banking users. Finally, it is suggested that the banks should provide proper Awareness about the Digital Banking services to new customer and existing customer.

Conclusion
The value of client loyalty in online banking, on the one hand, seems to be the result of greater market trends. Electronic banking technique is beneficial both for customers and for banking and other organizations. Electronic banking quality, protection, honesty, Digital Banking could be used to improve productivity in a rightful way.