Nowadays banks are working hard to attract customers and retain their market share by providing them with various innovative services through e-banking. The banks are combining new electronic delivery channels almost everyday to their existing services. Bank services are now just at the distance of one click from the mouse. Though e-banking is getting popular and spreading very fast, in India most people do not know it and people who know about it are reluctant to use it due to misconceptions like password hacking, privacy, security etc. The present study investigates the level of awareness among the customers on the use of e-banking and their expectations from e-banking. From the findings of the study, it was inferred that the customers are satisfied with the quality of e-banking services. But they face technical as well as administrative and procedural problems. Further to promote e-banking services, it is of importance that the banks must ensure quality in customer service. 'Quality in work' and 'satisfaction of the customers' are the two key words, which must be given sternest attention to promote a product.

In the era of information technology, e-banking has become one of the most revolutionized components of today's economic growth. With the proliferation of internet and computer usage, e-banking has become ideal for banks to meet customer's expectations. The famous quote by Bill Gates that Banking is vital to a healthy economy, but banks themselves are not (Serwer, 1995; Jeevan, 2000; and Verma, 2001) highlighting the crucial nature of the electronic forces that are affecting banks more than any other financial service provider group. Nowadays banks are working hard to attract customers and retain their market share by providing them with various innovative services through e-banking. In the world-banking map, e-banking is gaining prominence globally day by day due to its apparent advantages to customers, business entities as well as the banking industry as a whole.

Electronic banking or e-banking, a web-based service, enables customers to access their accounts. It allows the customers to log on to the bank's website with the help of the bank issued identification number. The banking system verifies the user and provides access to the required services. The range of services provided by the e-banking are: internet banking, Electronic Transfer Fund (ETF), Electronic Clearing Services (ECS), tele-banking, mobile banking, Electronic Data Interchange (EDI), Automated Teller Machine (ATM) and so on. The banks are combining new electronic delivery channels almost everyday to their existing services. Bank services are now just at the distance of one click from the mouse. Though e-banking is getting popular and spreading very fast, in India most people do not know it and people who know about it are reluctant to use it due to misconceptions like password hacking, privacy, security, etc. Recent evidence suggests that an internet-based consumer banking strategy may be effective, with reports of more profitable, loyal and committed consumers compared with traditional banking customers (ABA, 2004; and Fox, 2005). The present study investigates the level of awareness among the customers on the use of e-banking and their expectations from e-banking. The paper is set out in four sections. First section deals with the earlier studies on consumer's perception on e-banking services. Second section gives the objectives and methodology employed and limitations of the study. Third section deals with the results, findings of the survey based as an empirical analysis. Fourth section gives the concluding remarks and suggestions.

Management Research Journal, E-Banking, Innovative Services, Information Technology, Banking Industry, Electronic Transfer Fund, Electronic Clearing Services, Internet Banking, Mobile Banking, Electronic Data Interchange, Automated Teller Machine, E-Banking Services, Online Banking.