Paper Details

Name: Prince Singla, Satpal Mehara
Country: India

Year: 2026
Volume: Volume No: 13, Issue: 1, Year: 2026
Page Number: 276-281
DOI: https://doi.org/10.5281/zenodo.20589674

The Indian banking sector has undergone a remarkable digital transformation driven by rapid technological advancements and increasing internet penetration. E-banking services—including internet banking, mobile banking, ATM services, Unified Payments Interface (UPI), and electronic fund transfer systems—have become essential components of modern banking operations. This study presents a comparative analysis of e-banking services offered by public and private sector banks in Haryana State. The primary objectives are to evaluate the overall performance of e-banking services in both sectors and to assess customer satisfaction levels. Primary data were collected through structured questionnaires administered to customers of selected banks across Haryana. Secondary data were sourced from Reserve Bank of India (RBI) annual reports, peer-reviewed banking journals, and official bank websites. The findings indicate that private sector banks outperform their public sector counterparts in terms of technological innovation, service speed, and user interface design. Conversely, public sector banks continue to command stronger customer trust and offer wider geographic accessibility. The study further identifies key challenges—including
cybersecurity threats, inadequate digital literacy among rural users, and recurring technical issues—that impede seamless e-banking adoption.