Customized Banking Services: Pride or Hide

Author(s)	Mr. Sandeep Vilas Jogul, Sernmadevi M
Country	India
Abstract	This study explores the role of customized banking services in enhancing customer experience in India, focusing on awareness, adoption patterns, perceived benefits, and challenges. Nonetheless, issues including data security, legal worries, and obstacles to accessibility continue to exist. The study looks at the connections between banking personalization, service utilization, and demographic characteristics using ANOVA, and correlation. The results show that adoption is highly influenced by education and affluence, with higher engagement being driven by perceived advantages like automation and convenience. High costs and difficult procedures continue to be major deterrents. In order to increase adoption rates, the report emphasizes the necessity of focused financial literacy initiatives, and streamlined banking procedures. Future studies might concentrate on developing technology, long-term adoption patterns, AI-driven customisation and behavioural aspects that affect banking preferences.
Keywords	Customized Banking Services, Banking Services,
Field	Sociology > Banking / Finance
Published In	Volume 7, Issue 2, March-April 2025
Published On	2025-03-17
DOI	https://doi.org/10.36948/ijfmr.2025.v07i02.39275
Short DOI	https://doi.org/g882h4

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