A Study on Awareness and Opinion of Graduate Students Towards Online Banking

Abstract

This study was conducted on “awareness and opinion of graduate students towards online banking” at Sardar Vallabhbhai Patel University of Agriculture & Technology, Meerut, Uttar Pradesh. The data was collected from 105 respondents for the investigation. The results reveal, that majority (80.00 %) of the students belongs to male group and (55.20%) of the respondents belongs to age group of 21-24 years. The majority of the respondents (33.30%) were studying in B.V.Sc Ist year, 95.20% of the students staying in university hostel. The majority (49.50%) of the students parents were engaged in agriculture, 42.90% of the students reading time was evening 9 pm to 12 am and (76.20%) of respondents sleeping time was 12 am to 7 am. Majority (49.52%) of the students doing discussion with other students during lunch time. 79.00% students were having ATM card. It was observed that (71.40%) of the respondents obtaining information through internet. Majority of respondents family income was less than of Rs. 50,000/-, 63.89 % of the students were gaining awareness from friends regarding online banking. Majority (30.47%) of the respondents were using service of banking for checking account balance, (50.47%) of respondents were using Paytm. Majority (47.61%) of the respondents make online transactions through ATM machine, 44.76% respondents were using online banking from last one year. Majority (29.50%) of the respondents changing password after one year. Respondents (53.33%) were always using license antivirus, 43.80% always delete files from computer after using. Majority (72.40%) of the respondents never logging into the account at cyber cafe. Majority of the students opinion related to online banking provides high security. Its mean percentage score is (165.27). There were illiterate and unskilled major problems in using online banking.