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Banks now a day's plan to lay greater stress on consumer banking in the coming years, with a to achieve higher market penetration and profitability. Technology has paved way for expanding the horizon of consumer banking and has smartened up the said business of banking. In the pre-liberalization days, banking was considered as a chore you would like to finish off as quickly as possible. Today, the scenario is totally different. Banks driven by the ever-growing competition have improvised ondoi:10.31142/ijtsrd11669 fatcat:ss3y66xdr5gffl5fpkfivlf3rm