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•  In case of large deposit 72% shown their loyalty towards public sector banks where as 28% towards private sector.
•  76% were having knowledge about e-banking services, but 34% were satisfied with e-security, 14% refused and 52% were unable to cast their view.
•  On the question about the maximum satisfaction from the services provided by the banks out of it overall 62% are satisfied with private banks then 22% with public, 12% by both and 4% couldn’t comment about it.
•  92% strongly agreed about immense need of CRM in public sector banks where as 2% refused  & 6% were unable to talk about.
•  In question about unemployment created due to computerisation 54% agreed, 28% refused & 18% were unable to give answer.
•  M- banking quickly checks balance, get transmission list, stop cheque or even pay the bills on the standing instructions. Number of visits can be reduced only up to deposit and withdrawal of the funds.
•  SMS (short message service) is nowadays better solution in comparison to M-banking and can work anywhere in the world. Its services can also be used for stop payment, transfers, balance enquiry,  debt clearance (installment payment etc.)

•  Popularity of e-banking is merely 1% in India, comprises to 10% in Korea,but city Indore literacy was around 60% of the respondent, but among illiterates e-governance was limited. 

•  Almost all the banks survey have websites possesses valuable information to their customers. MNC’s & Major Indian public sector banks like Canara bank, UBI provides e-banking facilities.

•  Real e-banking & m-banking business is done by HDFC Bank Ltd,providing list of services and also provides online help about e-banking services so they were more eager to literate customers regarding it. ICICI is having highest level of networks found the same result at national level figures. It was followed by IDBI, Centurion Bank. Between Nationalized banks State Bank of India takes the lead having highest number of ATM’s followed by State Bank of Indore. They still lacks behind interconnectivity.

•  ICICI is providing online banking for children who  can set up small savings, but in my survey didn’t find anyone using this facility. 

5.2 Some Hard Facts about Indian Banks :
 
  Throughout the country, the Internet Banking is still in the development phase.
  In general, these Internet sites offer only the most basic services. 55% are so called 'entry level' sites, offering little  more than company information and basic marketing materials. Only 8%  offer 'advanced transactions' such as online funds transfer, transactions & cash management services.
Foreign & Private banks are much advanced in terms of the number of sites & their level of development. 
  Account security is still the key issue with the increase in hacking.
   Increase in service time even when the system is running.
  Absolute chaos when the system is down temporarily when no service
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