Document Type : Research Article



Digital banking services in India plays an important role since 5 years as the customers are looking
beyond the traditional way of banking. Digital banking Services like Electronic Fund
Transfer(NEFT,RTGS,IMPS), UPI, ATM, Cash deposit machine, Mobile Banking Application,
Debit Card, Credit Card are growing exponentially since 2017 due to the several initiative by
government like incentives for customers and merchants, Demonetization, financial inclusion and
for customer and traders own interest and lastly due to Covid-19. Study conducted in the Bangalore
region by using purposive sampling technique. The sample for the study was collected using
structured questionnaire with the help of Google form and sample size was 101.
Study found that SBI is strong as compared to ICICI with respect to factors such as Efficiency,
System availability, Fulfillment, responsiveness, website design. But whereas ICICI is showing
positive significance in the case of Privacy and Website design is concerned.