They have been created with a read to serve primarily the agricultural areas of India with basic banking and monetary services

850 Source: Primary data The above table shows that 41.3 per cent of the farmers agree that the restricted access is important factor of Accessibility whereas 23.8 per cent of the farmers strongly agree with the above factor. To study the relationship between the type of organization and Accessibility factor of “Restricted access” is significance on customers. Chi-square analysis is done.
Hypothesis The significance attached by the customers to the factor, the relationships is independent of the type of the organization. It is found that the chi-square test value 24.352 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = 0.00 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Restricted access” while strong relationships, and is dependent on the type of the organization. 6.10.4. Social networks The respondents are asked to express their opinion about the Social networks. The details are furnished in the following table. Table: 6.10.4.
Social networks Type of Organization Strongly Disagree (1) Disagree (2) Neutral (3) Agree (4) Strongly Agree (5) Total Count % Count % Count % Count % Count % Telangana Grameena Bank 22 2.6 64 7.5 101 11.9 378 44.5 282 33.2 850 Total 22 2.6 64 7.5 101 11.9 378 44.5 282 33.2 850 Source: Primary data The above table shows that 44.5 per cent of the farmers agree that the Social networks are important factor of Accessibility whereas 33.2 per cent of the farmers strongly agree with the above factor.
To study the relationship between the type of organization and Accessibility factor of “Social networks” are significance on customers. Chi-square analysis is done. Hypothesis The significance attached by the customers to the factor, the relationships is independent of the type of the organization. It is found that the chi-square test value 9.653 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = 0.047 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Social networks” while strong relationships, and is dependent on the type of the organization. 6.10.5. Communication The respondents are asked to express their opinion about the Communication. The details are furnished in the following table. Table6.10.5.
Communication Type of Organization Strongly Disagree (1) Disagree (2) Neutral (3) Agree (4) Strongly Agree (5) Total Count % Count % Count % Count % Count % Telangana Grameena Bank 20 2.3 114 13.4 70 8.2 369 43.1 277 32.6 850 Total 20 2.3 114 13.4 70 8.2 369 43.1 277 32.6 850 Source: Primary data The above table shows that 43.1 per cent of the farmers agree that the Communication is important factor of Accessibility whereas 32.6 per cent of the farmers strongly agree with the above factor.
To study the relationship between the type of organization and Accessibility factor of “Communication” is significance on customers. Chi-square analysis is done. Hypothesis The significance attached by the customers to the factor, the relationships is independent of the type of the organization. It is found that the chi-square test value 55.357 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = 0.00 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Communication” while strong relationships, and is dependent on the type of the organization. 6.10.6. Utility bill payments The respondents are asked to express their opinion about the Utility bill payments. The details are furnished in the following table. Table: 6.10.6.
Utility bill payments Type of Organization Strongly Disagree (1) Disagree (2) Neutral (3) Agree (4) Strongly Agree (5) Total Count % Count % Count % Count % Count % Telangana Grameena Bank 25 2.9 197 23.2 46 5.4 363 42.7 219 25.8 850 Total 25 2.9 197 23.2 46 5.4 363 42.7 219 25.8 850 Source: Primary data The above table shows that 42.7
per cent of the farmers agree that the Utility bill payments is important factor of online banking services whereas 25.8 per cent of the farmers strongly agree with the above factor. To study the relationship between the type of organization and the significance factor of “Utility bill payments” on farmers. And the chi-square analysis is done.
Hypothesis The significance attached by the customers to the factor of Updated technology and the relationship is independent of the type of the organization. It is found that the chi-square test value 83.701 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .000 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Utility bill payments” while strong relationships, and is dependent on the type of the organization. 6.10.7. Compensate The respondents are asked to express their opinion about the Compensate. The details are furnished in the following table. Table: 6.10.7.
Compensate Type of Organization Strongly Disagree (1) Disagree (2) Neutral (3) Agree (4) Strongly Agree (5) Total Count % Count % Count % Count % Count % Telangana Grameena Bank 25 2.9 293 34.5 37 4.4 294 34.6 201 23.6 850 Total 25 2.9 293 34.5 37 4.4 294 34.6 201 23.6 850 Source: Primary data The above table shows that 34.6 per cent of the farmers agree that the Compensate is important factor of online banking services whereas 23.6
per cent of the farmers strongly agree with the above factor. To study the relationship between the type of the organization and the significance factor of “Compensate” on customers. And the chi-square analysis is done. Hypothesis The significance attached by the customers to the factor of Compensate and the relationship is independent of the type of the organization.
It is found that the chi-square test value 11.568 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .021 is less than 0.05). Hence, it is inferred that the significance attached by the customers to the factor, “Compensate” while strong relationships, and is dependent on the type of the organization. 6.11. Security Features The following statements are related to experience of Security Features about the particular bank.
The extent to which believes by the respondent, the feature described in the statement. This reflects to respondent perceptions about the bank service. 6.11.1 Confidentiality The respondents are asked to express their opinion about the Confidentiality. The details are furnished in the following table. Table: 6.11.1 Confidentiality Type of Organization Strongly Disagree (1) Disagree (2) Neutral (3) Agree (4) Strongly Agree (5) Total Count % Count % Count % Count % Count % Telangana Grameena Bank 20 2.4 68 8.0 100 11.8 389 45.8 273 32.1 850 Total 20 2.4 68 8.0 100 11.8 389 45.8 273 32.1 850 Source: Primary data The above table shows that 45.8
per cent of the farmers agree that the Confidentiality is important factor of Security Features whereas 32.1 per cent of the farmers strongly agree with the above factor. To study the relationship between the type of organization and the significance factor of “Confidentiality” on customers. And the chi-square analysis is done.
Hypothesis The significance attached by the customers to the factor of Compensate and the relationship is independent of the type of the organization. It is found that the chi-square test value 5.816 is less than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .213 is greater than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Confidentiality” while strong relationships, and is independent on the type of the organization. 6.11.2. Security arrangements The respondents are asked to express their opinion about the Security arrangements. The details are furnished in the following table. Table: 6.11.2.
Security arrangements Type of Organization Strongly Disagree (1) Disagree (2) Neutral (3) Agree (4) Strongly Agree (5) Total Count % Count % Count % Count % Count % Telangana Grameena Bank 21 2.4 126 8.0 53 11.8 407 45.8 243 32.1 850 Total 21 1.8 126 17.7 53 5.5 407 51.2 243 23.8 850 Source: Primary data The above table shows that 45.8
per cent of the farmers agree that the Security arrangements are important factor of Security Features whereas 32.1 per cent of the farmers strongly agree with the above factor. To study the relationship between the type of organization and the significance factor of “Security arrangements” on customers. And the chi-square analysis is done.
Hypothesis The significance attached by the customers to the factor of Security arrangements and the relationship is independent of the type of the organization. It is found that the chi-square test value 26.722 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .000 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Security arrangements” while strong relationships, and is dependent on the type of the organization. 6.12 Association between the type of organization and Customer Satisfaction To study the association between the type of organization and significance attached to above mentioned security features, by the respondents and chi-square analysis is carried out, and it is presented as follows.
The following statements are related to experience of Factors of Customer Satisfaction about the particular bank. The extent to which believes by the respondent, the feature described in the statement. This reflects to respondent perceptions about the bank service. 5.9.1. Supportive behavior The respondents are asked to express their opinion about the Supportive behavior. The details are furnished in the following table. Table: 6.12.1.
Supportive behavior Type of Organization Strongly Disagree (1) Disagree (2) Neutral (3) Agree (4) Strongly Agree (5) Total Count % Count % Count % Count % Count % Telangana Grameena Bank 35 4.1 126 14.8 67 7.9 411 48.4 211 24.8 850 Total 35 4.1 126 14.8 67 7.9 411 48.4 211 24.8 850 Source: Primary data The above table shows that 48.4
per cent of the farmers agree that the supportive behavior is important factor of Security Features whereas 24.8 per cent of the farmers strongly agree with the above factor. To study the relationship between the type of organization and the significance factor of “Security arrangements” on customers. And the chi-square analysis is done.
Hypothesis The significance attached by the customers to the factor of Supportive behavior and the relationship is independent of the type of the organization. It is found that the chi-square test value 5.487 is less than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .241 is greater than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Supportive behavior” while strong relationships, and is independent on the type of the organization 6.12.2. Attentiveness The respondents are asked to express their opinion about the Attentiveness. The details are furnished in the following table. Table: 6.12.2.
Attentiveness Type of Organization Strongly Disagree (1) Disagree (2) Neutral (3) Agree (4) Strongly Agree (5) Total Count % Count % Count % Count % Count % Telangana Grameena Bank 31 3.6 148 17.4 63 7.4 377 44.4 231 27.2 850 Total 31 3.6 148 17.4 63 7.4 377 44.4 231 27.2 850 Source: Primary data The above table shows that 44.4 per cent of the farmers agree that the Supportive behavior is important factor of Customer Satisfaction whereas 27.2
per cent of the farmers strongly agree with the above factor. To study the relationship between the type of organization and the significance factor of “Supportive behavior” on customers. And the chi-square analysis is done. Hypothesis The significance attached by the customers to the factor of Supportive behavior and the relationship is independent of the type of the organization.
It is found that the chi-square test value 1.975 is less than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .740 is greater than 0.05). Hence, it is inferred that the significance attached by the customers to the factor, “Supportive behavior” while strong relationships, and is independent on the type of the organization. 6.13 Commitment The respondents are asked to express their opinion about the Commitment. The details are furnished in the following table.
Table: 6.13.1 Commitment Type of Organization Strongly Disagree (1) Disagree (2) Neutral (3) Agree (4) Strongly Agree (5) Total Count % Count % Count % Count % Count % Telangana Grameena Bank 31 3.6 148 17.4 63 7.4 377 44.4 231 27.2 850 Total 31 3.6 148 17.4 63 7.4 377 44.4 231 27.2 850 Source: Primary data The above table shows that 44.4
per cent of the farmers agree that the Commitment is important factor of Customer Satisfaction whereas 27.2 per cent of the farmers strongly agree with the above factor. To study the relationship between the type of organization and the significance factor of “Commitment” on customers. And the chi-square analysis is done.
Hypothesis The significance attached by the customers to the factor of Commitment and the relationship is independent of the type of the organization. It is found that the chi-square test value 59.899 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .000 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Commitment” while strong relationships, and is dependent on the type of the organization. 6.13.2. Technical expectations The respondents are asked to express their opinion about the Technical expectations. The details are furnished in the following table. Table: 6.13.2
Technical expectations Type of Organization Strongly Disagree (1) Disagree (2) Neutral (3) Agree (4) Strongly Agree (5) Total Count % Count % Count % Count % Count % Telangana Grameena Bank 28 3.3 194 22.8 52 6.1 386 45.4 190 22.4 850 Total 28 3.3 194 22.8 52 6.1 386 45.4 190 22.4 850 Source: Primary data The above table shows that 45.4
per cent of the farmers agree that the Technical expectations are important factor of Customer Satisfaction whereas 22.4 per cent of the farmers strongly agree with the above factor. To study the relationship between the type of organization and the significance factor of “Technical expectations” on customers. And the chi-square analysis is done.
Hypothesis The significance attached by the customers to the factor of Technical expectations and the relationship is independent of the type of the organization. It is found that the chi-square test value 39.203 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .000 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Technical expectations” while strong relationships, and is dependent on the type of the organization. 6.13.3. Communication services The respondents are asked to express their opinion about the Communication services. The details are furnished in the following table Table: 6.13.3
Communication services Type of Organization Strongly Disagree (1) Disagree (2) Neutral (3) Agree (4) Strongly Agree (5) Total Count % Count % Count % Count % Count % Telangana Grameena Bank 29 3.4 219 25.8 38 4.5 384 45.2 180 21.2 850 Total 29 3.4 219 25.8 38 4.5 384 45.2 180 21.2 850 Source: Primary data The above table shows that 45.2
per cent of the farmers agree that the Communication services are important factor of Customer Satisfaction whereas 25.8 per cent of the farmers disagree with the above factor. To study the relationship between the type of organization and the significance factor of “Communication services” on customers. And the chi-square analysis is done.
Hypothesis The significance attached by the customers to the factor of Communication services and the relationship is independent of the type of the organization. It is found that the chi-square test value 63.421 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .000 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Communication services” while strong relationships, and is dependent on the type of the organization. 6.13.4. Movement of time The respondents are asked to express their opinion about the Movement of time. The details are furnished in the following table. Table: 6.13.4
Movement of time Type of Organization Strongly Disagree (1) Disagree (2) Neutral (3) Agree (4) Strongly Agree (5) Total Count % Count % Count % Count % Count % Telangana Grameena Bank 27 3.4 178 25.8 39 4.5 381 45.2 225 21.2 850 Total 27 2.8 178 26.3 39 4.8 381 45.2 225 20.8 850 Source: Primary data The above table shows that 45.2 per cent of the public farmers agree that the Movement of time is important factor of Customer Satisfaction whereas 25.8
per cent of the farmers disagree with the above factor. To study the relationship between the type of organization and the significance factor of “Movement of time” on customers. And the chi-square analysis is done. Hypothesis The significance attached by the customers to the factor of Movement of time and the relationship is independent of the type of the organization.
It is found that the chi-square test value .805 is less than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .938 is greater than 0.05). Hence, it is inferred that the significance attached by the customers to the factor, “Movement of time” while strong relationships, and is independent on the type of the organization. 6.13.5 Security services The respondents are asked to express their opinion about the Security services.
The details are furnished in the following table. Table: 6.13.5 Security services Type of Organization Strongly Disagree (1) Disagree (2) Neutral (3) Agree (4) Strongly Agree (5) Total Count % Count % Count % Count % Count % Telangana Grameena Bank 32 3.8 129 15.2 39 4.6 398 46.8 252 29.6 850 Total 32 3.8 129 15.2 39 4.6 398 46.8 252 29.6
850 Source: Primary data The above table shows that 46.8 per cent of the farmers agree that the Security services are important factor of Customer Satisfaction whereas 29.6 per cent of the farmers strongly agree with the above factor.
To study the relationship between the type of organization and the significance factor of “Security services” on customers. And the chi-square analysis is done. Hypothesis The significance attached by the customers to the factor of Security services and the relationship is independent of the type of the organization. It is found that the chi-square test value 9.376 is less than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .052 is greater than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Security services” while strong relationships, and is independent on the type of the organization. 6.14. Association between the type of organization and Customer Loyalty To study the association between the type of organization and significance attached to above mentioned security features, by the respondents and chi-square analysis is carried out, and it is presented as follows.
The following statements are related to experience of customer loyalty about the particular bank. The extent to which believes by the respondent, the feature described in the statement. This reflects to respondent perceptions about the bank service. 6.14.1. Greater value The respondents are asked to express their opinion about the Greater value. The details are furnished in the following table. Table: 6.14.1.
Greater value Type of Organization Strongly Disagree (1) Disagree (2) Neutral (3) Agree (4) Strongly Agree (5) Total Count % Count % Count % Count % Count % Telangana Grameena Bank 37 3.8 130 15.2 80 4.6 400 46.8 203 29.6 850 Total 37 4.5 130 18.3 80 10.0 400 50.0 203 17.2 850 Source: Primary data The above table shows that 46.8 per cent of the farmers agree that the Greater value is important factor of Customer Loyalty whereas 29.6 per cent of the farmers strongly agree with the above factor.
To study the relationship between the type of organization and the significance factor of “Greater value” on customers. And the chi-square analysis is done. Hypothesis The significance attached by the customers to the factor of Greater value and the relationship is independent of the type of the organization. It is found that the chi-square test value 28.794 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .000 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Greater value” while strong relationships, and is dependent on the type of the organization. 6.14.2 .Sincerity and trust The respondents are asked to express their opinion about the Sincerity and trust. The details are furnished in the following table. Table: 6.14.2.
Sincerity and trust Type of Organization Strongly Disagree (1) Disagree (2) Neutral (3) Agree (4) Strongly Agree (5) Total Count % Count % Count % Count % Count % Telangana Grameena Bank 26 3.1 185 21.8 69 8.1 371 43.6 199 23.4 850 Total 26 3.1 185 21.8 69 8.1 371 43.6 199 23.4 850 Source: Primary data The above table shows that 43.6
per cent of the farmers agree that the Sincerity and trust is important factor of Customer Loyalty where as 21.8 per cent of the farmers disagree with the above factor. To study the relationship between the type of organization and the significance factor of “Sincerity and trust” on customers. And the chi-square analysis is done.
Hypothesis The significance attached by the customers to the factor of Sincerity and trust and the relationship is independent of the type of the organization. It is found that the chi-square test value 63.935 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .000 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Sincerity and trust” while strong relationships, and is dependent on the type of the organization. 6.14.3. Quality The respondents are asked to express their opinion about the Quality. The details are furnished in the following table. Table: 6.14.3.
Quality Type of Organization Strongly Disagree (1) Disagree (2) Neutral (3) Agree (4) Strongly Agree (5) Total Count % Count % Count % Count % Count % Telangana Grameena Bank 26 3.1 164 19.3 145 17.1 319 37.5 196 23.1 850 Total 26 3.1 164 19.3 145 17.1 319 37.5 196 23.1 850 Source: Primary data The above table shows that 37.5 per cent of the farmers agree that the Quality is important factor of Customer Loyalty whereas 23.1
per cent of the farmers strongly agree with the above factor. To study the relationship between the type of organization and the significance factor of “Quality” on customers. And the chi-square analysis is done. Hypothesis The significance attached by the customers to the factor of Quality and the relationship is independent of the type of the organization.
It is found that the chi-square test value 110.990 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .000 is less than 0.05). Hence, it is inferred that the significance attached by the customers to the factor, “Quality” while strong relationships, and is dependent on the type of the organization.
6.14.4. Positive attitude The respondents are asked to express their opinion about the Positive attitude. The details are furnished in the following table. Table: 6.14.4. Positive attitude Type of Organization Strongly Disagree (1) Disagree (2) Neutral (3) Agree (4) Strongly Agree (5) Total Count % Count % Count % Count % Count % Telangana Grameena Bank 32 3.7 161 18.9 96 11.3 352 41.4 209 24.6 850 Total 32 3.7 161 18.9 96 11.3 352 41.4 209 24.6