Published on: May 2026
REPORT ON CUSTOMER PERCEPTION OF DIGITAL BANKING SERVICES FROM THE CHENNAI, INDIAN OVERSEAS BANK (IOB)
Jeevanandhan R
Dr. A. Narmadha
Article Status
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Abstract
The five-point rating system for each of the variables analyzed provided a small amount of variance of the ratings ranging from 3.36 (lowest) to 3.54 (highest). Although it certainly appears that there is adequate variance among the values found in this data, it should also be emphasized that instead of the lowest value having a bad customer rating, the value of 3.36 does not have a high rating in terms of customer's rating the ease of use. In addition, the category that had the lowest rating based on comments made by the customers in this study regarding the organization's request for information about the personal financial information of the customer had the lowest rating when compared to ratings of all other measures of the organizations included in this study. Consequently, a comparison of the results across criteria in this study has provided evidence that there is a significant difference in the order of ranking of criteria included in this study; thus, the author of this article will be able to help IOB in determining the best course of action based on how the organization intends on utilizing these variables.
Keywords: Digital Banking, Customer Perception, Indian Overseas Bank, Public Sector Banks, Ease of Use, Trust, Data Privacy, Service Quality, TAM
How to Cite this Paper
R, J. (2026). Report on Customer perception of Digital Banking Services from the Chennai, Indian Overseas Bank (IOB). International Journal of Creative and Open Research in Engineering and Management, <i>02</i>(05). https://doi.org/10.55041/ijcope.v2i5.389
R, Jeevanandhan. "Report on Customer perception of Digital Banking Services from the Chennai, Indian Overseas Bank (IOB)." International Journal of Creative and Open Research in Engineering and Management, vol. 02, no. 05, 2026, pp. . doi:https://doi.org/10.55041/ijcope.v2i5.389.
R, Jeevanandhan. "Report on Customer perception of Digital Banking Services from the Chennai, Indian Overseas Bank (IOB)." International Journal of Creative and Open Research in Engineering and Management 02, no. 05 (2026). https://doi.org/https://doi.org/10.55041/ijcope.v2i5.389.
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References
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- •Peer Review Type: Double-Blind Peer Review
- •Published on: May 12 2026
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