Overview

1.1 Introduction: With a jump in the Indian economy from a manufacturing sector to a promising service sector, Banking as a whole has also undergone a change. A larger option for the consumer is getting translated into a larger demand for financial products and customization of services is fast becoming the norm than a competitive advantage. At the same time, the banking sector as a whole is seeing structural changes in regulatory frameworks and stringent norms means the faster one adapts to these changing dynamics, the faster is one expected to gain an advantage in the market. The banking scenario has changed rapidly since the 1990s. The decade of the 90s has witnessed a sea change in the way banking is done in India. Technology has made a tremendous impact on banking. 'Anywhere banking' and 'Anytime banking' have become a reality.

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