E-Banking Practice in Bangladesh: Comparative Study on Male and Female Users

摘要

E-banking implies provision of banking products and services through electronic delivery channels. Factors that affect e-banking practice and its security are different from traditional banking services because of their uncertain nature of the online environment. Every step in the online banking activities is secured by one or more security mechanisms. Most of the Bangladeshi customers both male and female are not conscious about e-banking security. They have lack of technical knowledge to handle their e-bank account. Many of them have no computer in their residence. Female users are more conscious than male. Bangladeshi banks are operating their e-banking functions by non-technical hand. The main objective of present study is to find out the perception, attitude and practice of male and female users of e-banking in Bangladesh. The investigation was concentrated on male and female users of e-banking in various divisions, districts, towns and rural areas in Bangladesh. The sample consisted of 22 female and 98 male bankers and bank customers, were selected purposively from various territory. Out of 120 respondents, 48 bankers and 72 bank customers gave their opinion on many issues of e-banking. Data was collected using questionnaire administrated by the researcher. Data were processed through micro computer using Statistical Package for Social Science (SPSS). For analyzing data suitable statistical tools such as chi-squire test and Pearson product correlation were used.