Case Study of Online Banking in India: User Behaviors and Design Guidelines

Abstract : This paper documents online banking trends, behaviors and expectations of Indian consumers and banks. It is based on excerpts of a large industry case study of users from 4 leading banks. While banks view online banking essentially as a technology solution, it is a relatively new area for Indian consumers and not yet self-supporting. Being a savings based culture still, Indian consumers are cautious about their financial assets. They are also relatively recent entrants to internet based services. Design of these systems must therefore be based on an understanding of these users' outlook and priorities through task centric, security assured and service oriented solutions minus the technological challenges. Design lessons suggest viewing online banking not just as a convenience alone anymore but beyond it, to provide service, simplicity and security. This will create satisfied online banking customers and therefore profitability for the bank.
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Dinesh Katre; Rikke Orngreen; Pradeep Yammiyavar; Torkil Clemmensen. Second IFIP WG 13.6 Conference on Human Work Interaction Design: Usability in Social, Cultural and Organizational Contexts (HWID), Oct 2009, Pune, India. Springer, IFIP Advances in Information and Communication Technology, AICT-316, pp.180-188, 2010, Human Work Interaction Design: Usability in Social, Cultural and Organizational Contexts. 〈10.1007/978-3-642-11762-6_15〉
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Jhumkee Iyengar, Manisha Belvalkar. Case Study of Online Banking in India: User Behaviors and Design Guidelines. Dinesh Katre; Rikke Orngreen; Pradeep Yammiyavar; Torkil Clemmensen. Second IFIP WG 13.6 Conference on Human Work Interaction Design: Usability in Social, Cultural and Organizational Contexts (HWID), Oct 2009, Pune, India. Springer, IFIP Advances in Information and Communication Technology, AICT-316, pp.180-188, 2010, Human Work Interaction Design: Usability in Social, Cultural and Organizational Contexts. 〈10.1007/978-3-642-11762-6_15〉. 〈hal-01056243〉

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