Research Proposal on Banking Essay

cosmos Over thirty-five years have passed since academics began speculating on the impact that culture technology (IT) would have on organizational structure. The debate is still on-going, and both(prenominal)(prenominal) questioners and managers continue to explore the relationship between IT and organizational structure. As organizations need to process more randomness under these uncertain specializes, IT is one possible authority for organizations to gain their information processing capability.We atomic number 18 conducting a research in HBL bank that, how bank increase the amount of account holders using network banking among its Current calculate holders. IT has a dramatic effect on both peoples personal and professional lives. IT is also changing the nature of organizations by providing opportunities to make thorough changes in the way they do business. The technology is changing rapidly, with computing speeds and the numbers of transistor equivalents availabl e in a given area of a microprocessor chip both doubling in very unforesightful time.Organizations are acquiring more and more technology systems to assist in everything from manufacturing to the management of information to the preparation and improvement of customer service. Harnessing and coordinating this computing power is the challenge. New tools and innovative perspectives with which to examine, interpret, and comprehend these rapidly evolving environments are always needed and sought. Background / Literature View IT is transforming the way that business is conducted.Computers prepare invoices, issue checks, go for track of the movement of stock, and store personnel and payroll records. Word processing and personal computers are changing the patterns of short letter work, and the spread of information technology is affecting the efficiency and competitiveness of business, the structure of the work force, and the boilers suit growth of economic output. Many people believe that the primary driving force behind this information revolution is progress in microelectronic technology, particularly in the development of integrated circuits or chips.Thus, the intellectual that computing power that used to fill a room and cost $1 million nowadaysadays stands on a desk and costs $500 or that pocket calculators that used to cost $1000 now cost $10 is that society happens to have benefited from a series of spectacularly successful inventions in the topic of electronics. But fewer people understand why the introduction of information technology occurred when it did or took the fashion that it did, why information processing came before word processing or why computers transformed the office environment before they transformed the factory environment.Because this technology oriented view of the causes of the information revolution offers secondary guidance to the direction that technological developments have taken thus far, it offers little insight into t he direction that they leave alone take in the future. electronic banking is one of the first things that come to mind when one thinks about the future of banking. It is generally assumed that electronic banking is new and that it provide replace or supplement many channel of delivery of retail banking serve. The term electronic banking as used here refers to any banking activity accessed by electronic means.It includes Online Banking, Automated Teller Machines (ATMs), Automated Call Centers, Digital Cash, meshwork Banking, Screen Telephones, E-Utility Bills and so on. These conduct of delivery can be used for presenting and paying bills, buying and selling securities, transferring funds, and providing other monetary products and services. electronic banking can be used for retail banking and business-to-business (B2B) transactions, as healthy as for facilitating large-amount transfers. Equally important, electronic banking is a worldwide phenomenon.As the term is used here , it involves transactions. Web sites that are transactional are considered electronic banking. Electronic banking and the net income in general are forcing a shift in the way banks and other businesses organize and the way they think of themselves. A shift is taking place from vertical integration to virtual integration. Banks and other financial intermediaries must realize that they are in the financial information industry. The Internet makes it possible to bring both customers and suppliers together to share critical business information.E-banking helps banks relay and show to their clients how good their services are, how many services we are providing and that the services they offer are of better standards. Through E-banking the company can show the clients that they are better than competitors and can give them satisfaction guaranteed. Statement of the problem The internet and the different things it can do to uplift business procedures, products and services is a current n ecessity for business. One of internets products is Electronic banking. Electronic banking is a faster way for clients to transact with the banks personnel.Clients can still transact with banks while on the comfort and safety of their homes and Offices. The main purpose of this proposed research is to determine, how we will increase Internet Banking Users among their present Account holders. Theoretical Framework Increase Internet Banking Users Quality Products (websites) A Bank Manager observed that, if he provides the better Quality Products (Websites) and Low Bank Charges on Internet-Banking to his Account holders. This will increase the number of customer of Internet Banking.But it will not affect on those Account holders with less qualification and do not use internet. Qualification of account holder and use of internet Low Bank Charges on Internet Banking search Objectives This Research intends to find out, If Bank updates its website and gives quality products, easy use and as well as reduce its transaction charges on Internet banking will increase the number of users using Internet Banking among its Account holders. However, according to the literature review, the qualification of account holder is plays an important part in this relationship.Our documental is if we increase quality products and reduce its transaction charges on Internet banking will increase the Internet Banking users. Research Question * If we increase quality products and reduce its transaction charges on Internet banking will increase the Internet Banking users or not? * Qualification of customer and use of internet is effect on internet banking users or not? Research Design/Methodology Type of research This research will use the descriptive type of research.Descriptive method of research is to gather information about the present existing condition and solving the problem. The descriptive approach is quick and more practical financially. Moreover, this method will allow for a f lexible approach, thus, when important new issues and questions arise during the duration of the study, a further investigation may be allowed. The study opted to use this kind of research considering the goal of the study to obtain first hand info so as to formulate rational and sound conclusions and recommendations for the study. Research StrategyFor this research data will be gathered through collating published studies from different books, articles from different related journals and studies, and other literary puppets. afterwards make a content analysis of the collected documentary and verbal material. The study will thus summarize all the necessary information. The study will then make a conclusion establish on the said information and provide insightful recommendations on how to solve the said problem. Sample and have Technique The respondents of the research came from the different branches of bank mentioned from Karachi.Due to time constraint and also, for the conveni ence of the research worker, only coulomb (100) respondents were considered for the study. The convenience sampling technique was imposed in the study to pick up the hundred respondents, in general because the availability of the respondents from the different branches was considered. This part of the study is important because the most important data needed to match the objectives and aims of this study will only be supplied by the respondents from the Branches of HBL bank Karachi. Primary and secondary data assemblageThe primary source of data will come from a cartoon using questionnaire and interviews that will be conducted by the researcher. The primary data frequently gives the detailed definitions of terms and statistical units used in the survey. These are usually broken down into finer classifications. The secondary source of data will come from research through the internet books, journals, related studies and other sources of information. Acquiring secondary data are more cheerful to use because they are already condensed and organized.Moreover, analysis and interpretation are done more easily. Validation of the instrument For validation purposes, the researcher pre-tested a sample of the set survey questionnaires. This was done by conducting an initial survey to at least five respondents from the different banks from Karachi. After the respondents answered, the researchers then asked them to cite the parts of the questionnaire that needs improvement. The researcher even asked for suggestions and corrections from the respondents to ensure that the survey-questionnaire is effective.Automatically, these five respondents were not included as respondents for the study. information analysis Data gathered will be analyzed through frequency distributions. These will give way to reviewing the data categories and the number of referrals in each category. The data acquired will be analyzed according to the different categories and importance. The infor mation that will be gathered and analyzed will be important to achieve the objectives desired by the study.