Influence of E-delivery Channels on Productivity of Commercial Banks in India

Abstract

Technological progress in the banking industry is important because of the key roles of banks in providing financing, deposits and payment 
services to other sectors of the economy. So, This paper brings out the impact of use of e-delivery channels on the employee productivity and 
branch productivity of commercial banks in India. The commercial banks are divided into five broad groups- Foreign banks, Nationalized 
banks, New Private banks, Old Private banks, SBI and its Associates. For the purpose of this study six productivity ratios have been taken for a 
five year duration ranging from 2007-08 to 2011-12. Regression analysis has been made to bring out the impact of e-delivery channels on 
productivity performance. SPSS (version 19) is applied for statistical data analysis. The findings indicated that the productivity has positive 
relationship with the use of ATMs and Credit cards.