| dc.description.abstract | As a foundation to a discussion on ADC technology, it is important to clearly distinguish
between the channel and the technology. For this report, we define the channel as the
customer’s access point to a FSP – who or what the customer interacts with in order to access
the financial service or bank account 1. For instance, customers can access financial services
at a bank branch, which is a traditional channel. With the advancement of technology, the
term Alternative Delivery Channels denotes a broader range of options through which a
customer can now access financial services without visiting a branch. These include ATMs,
Internet Banking, Agency Banking, Extension/Field Services2, Mobile Banking, and more
recently Electronic or Mobile Wallets. These channels enable customers, FSP staff and agents
to access banking services through technology solutions which are built either on Web,
mobile or bespoke platforms. These channels extend the services of a branch through systems
which are connected to the Core Banking System (CBS) of the FSP.
E-Banking provides various alternative delivery channels for using banking services like
ATMs, credit cards, debit cards, internet banking, mobile banking, Agent banking, electronic
fund transfer (EFT), electronic clearing system etc. ATM is the most acknowledged than any
other e-channels. The ATM, Mobile Banking, Agent banking industry has seen explosive
growth in recent times. The present study has made an attempt to find out the financial
inclusion of the peoples of Bangladesh through e-banking facilities. The demographic
relations among various issues are also highlighted in this study. After banking hour
transaction and advertisements influence customers most to adopt ATM service. But most of
the customers have negative agreements regarding the factors, difficult to remember PIN of
ATM card, it is more expensive than traditional banking, difficult for root level people,
network problem and difficult to use card. Findings also support that the root level people
enjoying facilities of Mobile banking and Agent Banking (Biometric account) to transfer their
money and encouraged those making savings for future, which is a milestone towards
financial inclusion of the peoples of Bangladesh. | en_US |
