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This book “Indian Banking System: Conundrums and Opportunities” gives an idea of revolution in the banking business. Being deviated from the old and archaic system of banking, a new trend have been developed by introducing information technology. In the scenario of banking system, IT has brought about revolutionary changes in its working and it has accelerated the pace of globalisation. Different technological innovations have changed the working systems of banks in each and every field. Now, the banking system has easily adapting itself to the technological advancements.

Keeping in view of the pros and cons of an electronically equipped banking system, this book is being presented to gang the conundrums and opportunities of sixteen papers contributed by different scholars. Some authors have cast their opinion in favour of change in the system to meet the challenges and some have highlighted towards the problem of inefficient working in comparison to private banks. In this connection, readers of this book have to decide as to what will be a better solution of the challenges faced by Banks? This is really a conundrum. This is why, this book is being presented for close examination in a logical way.

This book will be useful to the researchers as well as to the students. It is also useful to the bankers. It will acquaint the readers, particularly with the development of information technology in the banking system.

Contents: 1. Challenges of e-banking in India. 2. Determinants and impact of banking technologies in Jammu region of India. 3. Mudra bank: how the Mudra bank helps SMEs to grow? 4. Cyclical behaviour of Indian bank capital buffers. 5. Customer satisfaction towards mobile banking. 6. Factors influencing the usage of digital wallets. 7. Dynamics of emerging issues and challenges of Indian banking sector. 8. Major challenges and opportunities for the Indian banking system. 9. Institutional credit for short-term loan issued in India. 10. Rationale for privatisation of banks in India. 11. Private banks dominate public banks in providing high quality customer’s satisfaction. 12. Digitalization of Indian banking system and challenges ahead. 13. Issues and challenges of e-banking. 14. Challenges of banking system: bank loan, cyber threats and bank frauds. 15. Post-reform challenges and opportunities for Indian banking sector.