A STUDY ON E-BANKING SERVICES WITH REFERENCE TO AXIS BANK

This study investigates the evolution and financial impact of e-banking services at AXIS Bank across various modes. Utilizing bank-provided data on credit cards, ATM networks, UPI transactions, digital channel engagement, deposits, borrowings, advances, and profitability metrics, the research identifies significant growth trends in both digital and traditional banking operations. The analysis reveals a robust expansion in mobile and internet banking usage, underpinned by strategic feature enhancements and network augmentation, which contributed to substantial increases in deposits, advances, and net profit over the study period. Despite these achievements, the study uncovers limitations related to data granularity, lack of qualitative customer insights, and singular institutional focus. Accordingly, it offers targeted recommendations for enhancing analytics capabilities, customer feedback integration, and fintech partnerships. Practical implications underscore the necessity for finance managers to balance digital innovation with prudent risk management, while future research directions advocate for mixed-methods approaches and multi-bank comparative analyses to deepen understanding of digital banking dynamics.