It has been reported that Indian banking lags in the use of Technology. Research has been done on electronic commerce issues, computer operation, Internet operation, telephone, and electronic banking, but no exploration has been done on the relinquishment and prolixity of modern banking technology grounded upon public and private sector banks. Banks in India have invested huge quantities of money in offering fiscal services online. Still, customers - specifically rural customers were slow in adopting-banking services. Electronic banking (e-banking) reduces sale costs of banking for both the customers and for the banks. Rural customers need not to visit banks for banking deals when in some remote rural areas bank branches were far down. They could apply for loans, deposit or withdraw money, and do numerous other banking services online. But, the fact was, due to lack of mindfulness, security and trust issues, lack of structure, rural people were reticent in adopting these Modern Banking Techniques (MBT). One of the reasons for the study is to help the banks in adding productivity while furnishing quality services to different customers. Before studies had confined to the only relinquishment of MBT/E-banking services. But there was a need to understand what were the factors driving the operation of being MBT. This would help bankers make their MBT products more effective and popular among the customers. The perceived impact on the rural economy by MBT could be measured by understanding whether MBT could be made the fiscal deals smoother and thereby upraised the standard of living of the repliers. Similar type of study wasn't conducted earlier for rural area.

KEYWORDS: Adoption, Poverty, Rural, Mobilization, Deposit, Withdrawal, Infrastructure, Perceived.