Journal of Advances in Developmental Research

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2026

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Awareness, Performance, and Attitudinal Effects in Doorstep Banking: A Regression Analysis

Author(s) Dr. Manisha Arvind Kotgire, Mr. Samadhan Bansi Shejwal
Country India
Abstract Doorstep Banking Services (DSB) have emerged as an important institutional mechanism to improve accessibility, financial inclusion, and service delivery efficiency in public sector banks. Despite their growing implementation, limited empirical evidence exists on how eligibility awareness and customer attitude influence perceived performance and satisfaction with these services. The present study examined the predictive relationships between eligibility awareness, service performance, customer attitude, and satisfaction using a quantitative, cross-sectional research design. Primary data were collected from 412 respondents associated with public sector banks using structured questionnaires, and composite variables were analyzed using descriptive statistics and linear regression analysis. The results revealed that eligibility awareness significantly predicts perceived service performance, explaining 20.2% of the variance, indicating that greater clarity regarding eligibility criteria and service procedures improves performance perception. Similarly, customer attitude significantly predicts satisfaction, explaining 11.5% of the variance, demonstrating that positive perceptions, trust, and acceptance enhance satisfaction with Doorstep Banking Services. Both null hypotheses were rejected, confirming the importance of informational and perceptual determinants of service outcomes. These findings highlight that improving awareness and strengthening positive customer attitudes can enhance service effectiveness without requiring major structural changes. The study contributes to service quality and financial inclusion literature by identifying awareness and attitude as key determinants of service performance and satisfaction. The findings provide important policy and practical implications for public sector banks to strengthen awareness initiatives, improve communication strategies, and enhance customer experience to maximize the effectiveness of Doorstep Banking Services.
Keywords Doorstep Banking, Eligibility Awareness, Service Performance, Customer Attitude, Customer Satisfaction, Regression Analysis.
Published In Volume 17, Issue 1, January-June 2026
Published On 2026-02-28
Cite This Awareness, Performance, and Attitudinal Effects in Doorstep Banking: A Regression Analysis - Dr. Manisha Arvind Kotgire, Mr. Samadhan Bansi Shejwal - IJAIDR Volume 17, Issue 1, January-June 2026.
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