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Customer perception towards payment bank: a case study of Cuttack city

A new model of banks conceptualized by the Reserve Bank of India (RBI) is popularly known as Payment Bank. As these banks cannot issue loans and credit cards, but both current and savings accounts can be operated by such banks. Money is the life blood of every economy. | Customer perception towards payment bank a case study of Cuttack city International Journal of Management IJM Volume 10 Issue 4 July-August 2019 pp.1 8 Article ID IJM_10_04_001 Available online at http www.iaeme.com ijm issues.asp JType IJM amp VType 10 amp IType 4 Journal Impact Factor 2019 9.6780 Calculated by GISI www.jifactor.com ISSN Print 0976-6502 and ISSN Online 0976-6510 IAEME Publication CUSTOMER PERCEPTION TOWARDS PAYMENT BANK A CASE STUDY OF CUTTACK CITY Dr. Kishore Kumar Das Associate Professor amp Head Department of Business Administration Ravenshaw University Cuttack India Rupsa Mahapatra Rupsa Mahapatra Research Scholar in Management Ravenshaw University Cuttack India Corresponding Author ABSTRACT A new model of banks conceptualized by the Reserve Bank of India RBI is popularly known as Payment Bank. As these banks cannot issue loans and credit cards but both current and savings accounts can be operated by such banks. Money is the life blood of every economy. Now-a-days cash transactions are much simpler due to the popularization of internet smart phones and other digital technologies. Therefore most of the transactions were cashless and if these practices will continue as it is then in future physical form of currencies will no longer be a king. Privacy security and convenience are the factors which influence the users while using the facility of payment banks. The last decade has seen tremendous growth in use of internet and mobile phone in India. Increasing use of internet mobile penetration and government initiative such as Digital India are acting as catalyst which leads to exponential growth in use of digital payment. But still many people are there who were not ready to accept this system of banking as they have a thinking of being cheated. The current paper will help to identify the customer perception towards payment bank. Key word banks internet digital technologies mobile cashless transactions. Cite this Article Dr. Kishore Kumar Das .