Research Proposal and Ethics Review

This assignment requires students to develop a research proposal outlining their proposed project, including details about data collection, storage, security, and ethical considerations. Students must address potential risks, demonstrate awareness of informed consent procedures, and adhere to relevant data protection regulations. The assignment emphasizes the importance of ethical conduct in research.

BUSINESS
RESEARCH
PROJECT
Table of Contents

TITLE: ............................................................................................................................................1
INTRODUCTION ..........................................................................................................................1
P1 Research proposal which clearly define question and hypothesis with literature review. ...1
P2) Research methods and approaches to primary and secondary research. .............................8
TASK 2 .........................................................................................................................................10
P3) Conduct primary and secondary research by using appropriate methods and techniques. 10
P4) Apply appropriate analytical tools, analyse research finding and data..............................14
TASK 3..........................................................................................................................................24
P5) Communicate research outcomes in an appropriate manner for the intended audience. ...24
TASK 4..........................................................................................................................................26
P6) Reflection on the effectiveness of research methods and techniques.................................26
P7) Determine alternative research methodologies for the project...........................................26
REFERENCES .............................................................................................................................28
APPENDIX ...................................................................................................................................30
ANNEXURE....................................................................................................................................1

TITLE:
To analyze the impact of internet banking on emerging growth in banking sector. A
case study on Barclays Bank in United Kingdom.
INTRODUCTION
Internet banking can be considered as the most powerful force in today's world and small
as well as large business enterprises are concern on implementing internet banking at work place
in respect to developing their productivity and profitability at market place (Agwu, 2018).
internet banking plays crucial role in each sector , from auto-mobile industry to educational
institute, banking to civil aviation, telecom to textile etc. with the enhancement in population,
demand and needs of people are also increased and organisations are concern on providing high
quality goods and services in respect to satisfying the needs and wants of people at market place.
Barclay's is a large bank in UK which deals in financial services and widely concern on
implementing internet banking as to attaining high growth and success as internet banking are
effective in emerging the growth within banking sector. As a leading banking firm Barclay's
Bank is concern on providing variety of innovative services as to gaining attention of people
which create value in developing the growth of firm at market area.
P1 Research proposal which clearly define question and hypothesis with literature review.
Banking can be consist as the most developing sector which helps in contributing a huge
amount of profit in growth and development of economy. In the modern scenario people are
aware about the market or the quality and feature of products. In respect to establishing a higher
position within market organisations needs to adopt new technologies and practices as digital
equipments are helpful in developing the growth and success of firm. Banking and financial
institutes always remained biggest stakeholders in technology. The effective implementation of
technologies modified the traditional concept of banking from merely accepting advancing and
deposit loans and cash. Barclays Plc is a chosen company for this particular research project. It is
a public limited company and deals in financial and banking services. The major focused area of
firm is to providing variety of satisfactory products and services to their clients and customers in
respect to sustain them for long time.
Internet banking plays effective role in growth and development of firm as it provides
various benefits to their customers and clients. Internet banking is an essential element of digital
1

technology as in this modern era organisations are widely concern on providing online products
and services to their significant buyers as to fulfilling their needs and wants. Online banking
provide various effective services to their customers by internet such as cash deposit, cash
withdrawal etc.
Research Aim
Research aim is considered to be a general statement which is concerning on the overall
goals, purpose and intention of the work. This refers as a predetermined statement which helps in
carry out the whole research work and activities in systematic manner. The important aim of this
particular research is “To analyse the impact of internet banking on emerging growth in banking
sector”. A case study on Barclays Bank in United Kingdom.
Research Objectives
This also an another essential part of research project which helps in clarifying the
research issue in appropriate manner. This can be evaluated as the results sought through the
investigator at the end of the research project. This section of research is interconnect with
research aim. Some essential objectives are described as under:
 To identify the benefits of effective implementation of internet banking within Barclays
Bank
 To determine the various impact of internet banking on working environment within
Barclays Bank.
 To ascertain the measures which are adopted by Barclays Bank in respect to developing
their performance and productivity. To evaluate the monitory benefits derived by Barclays Bank through proper utilisation of
internet banking.
Research Questions
This section of research helps in defining the research objectives in a problem statements
which are needs to be analysing in the section of literature review (ShanmP1 Research proposal
which clearly define question and hypothesis with literature review.ugam and et. al., 2015). This
part of research provide a clear direction to the researcher to carry out the section of literature
review in appropriate manner through analysing the view points of writers and authors. Some
appropriate research question for this particular research project are associated as below:
2

 What are the benefits of effective implementation of internet banking within Barclays
Bank?
 What are the impact of internet banking on working environment within Barclays Bank?
 What are the measures adopted by Barclays Bank in respect to developing their
performance and productivity? How to evaluate the monitory benefits derived by Barclays Bank through proper
utilisation of internet banking? P1 Research proposal which clearly define question and
hypothesis with literature review.
Time Scale
3

LITERATURE REVIEW
The benefits of effective implementation of internet banking within Barclays Bank.
As per the views expressed by Watkins, 2011, In recent Era, there has been a change in
the ways business is being conducted by the organizations all over the world. Especially service
sector has seen radical changes in its working. Some of the major reasons of such radical change
have been, the changing needs and demands of customers and The requirement of the company
to save cost as well as to generate higher revenue over period of time. There are various benefits
of effective implementation of internet banking within Barclays bank, these includes : Effective Communication: If there will be proper digitised environment within the
organization, it would mean that the way communication flows through the process
becomes much more easier and hence it will contribute to overall productivity as well as
profitability of the organizations. With right kind of technological implementation, the
companies will be able to reduce its cost of operations. A proper recruiting, retaining and
leveraging employees would need a robust communication system in place. There is a
evolvement of various tools which can be used by organizations to communicate in an
effective manner within the organizations, these includes Skype, Web Ex etc. Storage and Retention of Valuable information: With the help of right kind of internet
banking that will be implemented within the organization would mean that there will be
necessary storage that will be available for an organization to store its important and
crucial data. Barclays is a Big bank in Europe and is having Brand Image all over the
world. The transactions in a banking system is usually larger then transactions in other
organization and this would mean that It would require higher space for storage of its
data, Hence use of digital technology can well be a effective tool for company to manage
its business well. Proper storage facilities would mean that the company can share, store,
backup various files for the purpose of using it later on (Epstein and Buhovac, 2014).
 Cost effectiveness and Waste Elimination: With right kind of implementation of internet
banking at the work place will generate various benefits to the organization and such
benefit will translate into Monetary benefits for the organization. It helps the company in
reducing the cost of Operation as well as managerial process and hence it would lead to
less cost and thus higher profitability for the organization. With the help of right kind of
4

digital technology tools The company can maintain the quality of its products and can
even work on enhancing it to certain extent.
It is therefore can be said that digitisation in general can bring various benefits to the
organization and its elements in various ways and Barclays should consider to continuously
make improvement in implementing digital technology within the bank. This will increase the
overall profitability as well as productivity of the organization. Internet banking is a very crucial
instrument that banks are offering to their customers now a days and if the same will be offered
by Barclays bank also then this will not let their customers to switch to other banks because of
lack of internet banking facility.
The various impact of internet banking on working environment within Barclays Bank.
As per the opinion of Martin and Townroe, 2013, Barclays is a big bank and is growing
rapidly, The companies workforce is also increasing day by day because of the operations of the
company, which is spreading all over the world. It is not possible to manually take care of such
employees and their working environment, Effective implementation of technology within the
bank would ensure that the overall working environment within the company is efficient and
effective and it will lead to a prosperous working environment within the company. If the
environment will be digitised, there will be an ease of working within the company and
employees would not hesitate to work in the company and can have a sense of belonging for the
company. The digitised environment will ease some of the process of the organizations like the
attendance of employees through digitised tool like punching machine etc. through this the
company will be able to make sure that people are not finding it The research into consideration
is based on analyse the impact of internet banking on developing organisational performance and
productivity. internet banking can be described as the key element of business organisation
which plays a vast role in growth and development of firm through implementing the right tool
in appropriate manner. The major reason for conducting the research project is to enhancing the
core skills and knowledge of learner in the area of implementing internet banking at work place
(Yartey and Birzescu, 2015). This area of study helps in providing a clear direction to the
researcher to implement various more effective research in future. The present area of study also
helps in analysing various elements of internet banking that create benefits to firm or its
productivity. difficult to work for the bank and things can be carried out in an easy way.
5

A bank has to continuously deal with customers on a daily basis, if there will be proper
digitisation tools then giving services to customers would become much more easier as well as
faster. This would cut down the cost of company to serve customers and will also enhance the
reputation of the company in the eyes of people. Right kind of services provided with efficient
mechanism will fill the company's employees with confidence and will also satisfy the customers
whom they are providing these services. There are various measures that needs to be taken by the
Barclays bank for proper and effective implementation of Digitalised environment within the
company (McWilliams, 2015). A company can not sustain in today's world if it will take its
employees as well as customers for granted, thus a complete review from time to time of the
needs as well as demands of both employees and Customers are necessary. Unlike in the Past, It
is not necessary that work shall be done only by way of employees manually, only then people
will able to feel the culture of organization and will have a good image of company in their
mind. Nowadays there has been a change on how customers are treated, in most of the branches
the usual banking work is done by machines like cheque clearing and pass book printing etc.
This has reduced the stress of management and employees and also resulted in higher profits and
productivity for the organization.
The measures which are adopted by Barclays Bank in respect to developing their performance
and productivity.
According to the view point of Bátiz-Lazo, 2017, For the purpose of improving and
developing the overall performance and productivity of the organization, Barclays bank has been
taking various measures for the purpose of implementing them to get the best possible benefits
for the company in both Monetary terms and Non- Monetary terms. Barclays is a well known
and big Bank of UK and is growing well over the past decades. The company spend a very
decent amount on advertising and various other activities which directly or indirectly promotes
the company and its workings. Some of the measure include the sponsorship in the UEFA league
of Football of Europe. The company sponsor various teams and the name of the company can be
seen on various jersey that are being wore by the football players of the league. Some of the
specific measures adopted by the bank for developing its performance and productivity can be
laid down as follows : Advertising and Promotion: The company has been advertising and promoting its
business well from past few years, to gain customers attention and confidence over the
6

bank. They have been doing well in implementing various marketing strategies to raise
the deposits of the bank and to gain its CASA ratio. Digitalised environment: The company is committed to implement various Digital tools
as well as technologies that will make sure that the business of the company will generate
higher return and will work efficiently for the organization. The digitalised environment
will also make sure that the process of serving customers has become faster and easier. Training and development of employees: The Bank has been consistently focusing on
improvement of skills as well as talent of individuals within the organization and for this
purpose, The bank has been conducting time to training and development programme for
its employees. This will not only reduce cost of operations for the company in the longer
but will also ensure that productivity of the company sees a rise. Reduction in Cost: Barclays Bank has been effectively using various tactics to reduce the
overall cost for the company, in order to achieve overall efficiency and productivity in
the organization. If the company will implement right kind of digital tools and technology
within the company, it will reduce the overall cost of operations and hence will contribute
in enhancing productivity of the organization. The reduction in cost is seen because of
various reasons like Operations are handled by machines and not humans, The cost of
operating a machine is usually lower than Humans.
The monitory benefits derived by Barclays Bank through proper utilisation of internet
banking.
As per the opinion of Clarke, 2011, Barclays bank has been able to get various benefits of
the digital environment that it has established in its bank. These benefits are usually long term in
nature and does not realises in the short term. There has been cases where companies and
organizations are doing well even without a digitised environment, but such companies are not
able to get a competitive edge over its peers. Barclays has been able to get these benefits in
Monetary terms for the company. These Benefits includes : Higher Deposits from Public: The bank has been able to get the faith and confidence of
its customers because of the extensive marketing campaign launched by it along with
along with right kind of digital tools that are being implemented within the bank for
proper service delivery to its customers. It has made it easier for the company to gain
7

deposits because people consider this bank as more advanced and well reputed than its
peers. Lower Interest on Deposits: Because Barclays is providing high quality services to its
customers, it has been able to give interest on deposits of public on its own terms and
despite that have been able to accumulate public deposits at a much faster pace than other
banks. Higher Profits: If there will be right kind of technologies which are being implemented
within the organization than it will reduce cost, increase productivity and create a healthy
environment within the organization and this will ensure higher overall profits for the
company in the longer term. Higher rate of interest on Disbursements: Barclays can enjoy the benefits of having a
competitive edge over other banks in terms of providing services. It can charge a bit more
higher rate of interest from its customers on various disbursements made by the company.
This is a clear monetary benefit for the company and this has lead to an improvement in
profit margin of the company.
 Low Employee Turnover Cost: The turnover cost of the company due to employees
leftover can be reduced to a large extent by proper and effective implementation of
digitalised tools within the environment of the organization.
Hence, it is quite clear that a banking business can gain various Monetary advantage of
implementing digitalised tools within the company. The benefits are widespread and have a
positive impact on the proper functioning of the business. It is thus advisable for almost every
company of today's generation to implement effective strategies for growth and development of
organization through proper implementation of digitalised environment. Internet banking also
helped company in gaining customers in an effective way, people are more keen to open an
account with those banks which are having right kind of internet banking facilities, for this
purpose company has decided to invest heavily in internet banking facilities.
P2) Research methods and approaches to primary and secondary research.
Research Design
Research is a critical process and hence which type of research has to be selected depends
upon the researcher. Broadly Research can be classified into two Sections. These are Qualitative
Research and Quantitative Research. The qualitative research would be based on the quality of
8

data gathered and hence gives a broader view to the researcher (Berry, Deddis and McGreal,
2013). The method that has been selected for the purpose of this report is Qualitative Method.
The method that has been selected for the purpose of this particular report is Qualitative Method
as the result provided by this method is certain and are in the for of thesis and assumptions which
can be read as well as understand by even a layman.
Research Nature
It is a Framework, which lays down the pattern for making a research project in an
effective as well as efficient manner. Its role is to specify the time, objectives, data collection,
various costs etc. There are different forms of research design, but broadly it is divided into three
parts, these are Exploratory research design, Descriptive research design and casual research
design. It is basically describing a solution for the problem. In the present research project
exploratory research design has to be taken into proper action as It helps in giving a significant
direction for a proper analysis of organizational performance. This method is more effective and
appropriate in conducting online survey. The major reason for selecting exploratory design is
that it is helpful in conducting questionnaire with the help of open ended question which create
value in analysing the opinion of people about a specific topic.
Research Approach
It is a very crucial tool which has been used from ages in the research. Its role is basically
to provide support for the performance of activities of research in the most efficient way possible
so that better results can be obtained from the same. The research approach is basically divided
into two categories these are inductive approach as well as deductive approach. For the purpose
of preparation of this particular report Inductive approach is selected as it is based on the
qualitative research. It is concerned with various facts and figures which are being collected by
the researcher. Inductive research approach has to be taken into proper action as through this
researcher apply to develop theory and identify themes that are based on the specified questions
of the qualitative research.
Ethical Consideration
It can be regarded as one of the most important part of the research project. Basically it is
concerned with the researcher and his role towards the research. It basically puts a moral
responsibility on the researcher to perform the research in the most ethical way possible. A The
research into consideration is based on analyse the impact of internet banking on developing
9

organisational performance and productivity. internet banking can be described as the key
element of business organisation which plays a vast role in growth and development of firm
through implementing the right tool in appropriate manner. The major reason for conducting the
research project is to enhancing the core skills and knowledge of learner in the area of
implementing internet banking at work place (Yartey and Birzescu, 2015). This area of study
helps in providing a clear direction to the researcher to implement various more effective
research in future. The present area of study also helps in analysing various elements of internet
banking that create benefits to firm or its productivity. researcher faces many issues as well as
problems while conducting the research but it is his responsibility that he addresses such issues
in an effective manner (Bwalya, Mnjama and Sebina, 2014). These issues includes, conduction
of research in an appropriative time, proper availability of the resources, and the funds that has
been allocated to the researcher has been used for the purpose of research only and not misused
by the researcher in any way. While obtaining data for the research, a researcher come across
various information of peoples, which is quite personal in nature and it is important that such
information is not given to any outside sources as it involves privacy of peoples who have given
their data to researcher by having faith on them. It puts a moral as well as ethical responsibility
on the researcher to perform his research in the most efficient way possible.
TASK 2
P3) Conduct primary and secondary research by using appropriate methods and techniques
The research into consideration is based on analyse the impact of internet banking on
developing organisational performance and productivity. internet banking can be described as the
key element of business organisation which plays a vast role in growth and development of firm
through implementing the right tool in appropriate manner. The major reason for conducting the
research project is to enhancing the core skills and knowledge of learner in the area of
implementing internet banking at work place (Yartey and Birzescu, 2015). This area of study
helps in providing a clear direction to the researcher to implement various more effective
research in future. The present area of study also helps in analysing various elements of internet
banking that create benefits to firm or its productivity. No research can be conducted if there is
no proper Data which is there to analyse. It is the responsibility of the researcher to gather data
from various sources available so that he can initiate the research. The data collection is consist
10

of two types, these are Primary Data collection and Secondary Data collection. Primary data
collection would involve collecting data directly from people by asking questions through
surveys or questionnaires etc. The literature review part of the report is made through the use of
Secondary data. Data collection is considered to be the most essential part of research as it helps
in conducting the research in right direction through gathering relevant information from
different sources. In this particular research work both the methods of data collection are used by
the researcher, as primary research is effective in conducting survey in which questionnaire is
prepared which is filled by the respondents who are having significant knowledge in regards to
the selected area of study. On the other side secondary research encompasses on different
sources like books, journals, newspapers, magazines and the previous research work. Secondary
source is effective in conducting the section of literature review in appropriate manner through
analysing the opinion of various authors and writers.
Data Sampling
For the purpose of getting opinions and views of of people, it is quite crucial for the
researcher to take a sample from a population whose opinions needs to be taken. Basically, under
this a sample is taken of a population and questions are asked from those samples and the
answers obtained is termed as the opinion of the whole Population (MISHRA and DAS, 2015).
There are Two types of sampling approach these are Probabilistic sampling as well as non
Probabilistic Sampling. For the purpose of this report, Non-Probabilistic or purposive technique
has been taken. The sample that has been taken for the purpose of this report is 15 Respondents.
Q1) Does internet banking are effective in attaining growth for firm? Frequency Agree 13 Disagree 2
Q2) Does banking sector is appropriate for developing the economic
condition of a country?
Frequency
 Yes 11 No 4
Q3) In which sector internet banking plays effective role in achieving Frequency
11

higher growth? Educational 4 Finance and Banking 4 Telecommunication 3 Civil Aviation 2 Textile 2
Q4) Why Digitalised Environment is necessary for Barclays Bank ? Frequency Higher Growth 5 Increased Profitability 7 Greater Productivity 3
Q5) Which elements of the company is most benefited from Digitalised
environment within Barclays bank?
Frequency
 Employees 4 Customers 6 Suppliers 5
This is the most essential part of research project which helps in
analysing the data and information in appropriate manner through
statistical and logical techniques. In this section data has to be analysed
through preparing themes which are based on the questions of
questionnaire. This section is effective in analysing the efficiency of data
and information. Q6) Is it costly for Organization to implement Digitisation
within the over all operations of firm?
Frequency
 Yes 12 No 3
Q7) What are the impact of internet banking on working environment of
Banking Sector?
Frequency
12

 Efficient utilisation of Resources 4 Cost effectiveness 6 Better service This is the most essential part of research project
which helps in analysing the data and information in appropriate
manner through statistical and logical techniques. In this section
data has to be analysed through preparing themes which are based
on the questions of questionnaire. This section is effective in
analysing the efficiency of data and information. delivery
5
Q8) What are various measures adopted by Barclays for improving
productivity of the firm?
Frequency
 Training and development of employees 6 Implementation of internet banking 2 Cost effective strategy 4 Promotion and Advertisement 3
This is the most essential part of research project which helps in
analysing the data and information in appropriate manner through
statistical and logical techniques. In this section data has to be analysed
through preparing themes which are based on the questions of
questionnaire. This section is effective in analysing the efficiency of data
and information. Q9) Which digital tools are frequently used by banking
sector?
Frequency
 Management Information System 8 Executive Information System 3 Decision Support System 4
Q10) Which kind of services are provided by Barclays Bank to their
customers?
Frequency
 Retail Banking 4
13

 Commercial Banking 5 Investment Banking 3 Wealth Management 3
Q11) Provide recommendation to Barclays for enhancing the profitability
and performance at market place.
14

P4) Apply appropriate analytical tools, analyse research finding and data.
This is the most essential part of research project which helps in analysing the data and
information in appropriate manner through statistical and logical techniques. In this section data
has to be analysed through preparing themes which are based on the questions of questionnaire.
This section is effective in analysing the efficiency of data and information.
Theme 1: internet banking are effective in attaining growth for firm.
Q1) Does internet banking are effective in attaining growth for firm? Frequency Agree 13 Disagree 2
Interpretation:
As per the above mentioned report it has been concluded that in this modern era internet
banking are effective in attaining high growth and success at market place. internet banking are
beneficial for enhancing organisational productivity through implementing appropriate tools at
work place. 13 out of 15 people are agree with this statement, according to their opinion large
number of people are in favour with this statement this internet banking are effective in
achieving growth and success. 2 respondents are not agree with the same as they think that
digital tools are effective for growth.
15
Agree Disagree
0
2
4
6
8
10
12
14 13
2
Column B

Theme 2: Banking sector is appropriate for developing the economic condition of a country.
Q2) Does banking sector is appropriate for developing the economic
condition of a country?
Frequency
 Yes 11 No 4
Interpretation:
As per the above mentioned graph it has been analysed that in the modern era banking
can be considered as the most developing sector which create various benefits to the economic
growth of country. Banking sector is concern on providing various services to their significant
clients in respect to sustaining people with the long run of business activities. Barclays Bank is a
most famous multinational banking sector which offers variety of services at world wide and
contributes a huge amount in the growth and development of countries economy. 11 out of 15
people are agree with this statement that Banking sector is appropriate for developing the
economic condition of a country and remaining people are not satisfied with the same.
16
Yes No
0
2
4
6
8
10
12 11
4
Column B

Theme 3: internet banking plays effective role in various department as to achieving higher
growth.
Q3) In which sector internet banking plays effective role in achieving
higher growth?
Frequency
 Educational 4 Finance and Banking 4 Telecommunication 3 Civil Aviation 2 Textile 2
Interpretation:
As per the above given chart it has been determined that internet banking plays effective
role in growth and development of business organisation. In the modern era people are very
much depend on digital equipments as people are spending a huge amount of time on electronic
gadgets because these helps in creating humans life more and easy and comfortable. internet
banking are widely applied in different sectors. 4 people select the option of education as per
their opinion internet banking are effective in education department. 4 people go with finance
and banking, 3 people select telecommunication services, remaining people go with civil aviation
and textile. Majority of people select the option of finance and banking as per their opinion
proper implementation of internet banking are effective for the growth of banking sector.
17
Educational
Finance and Banking
Telecommunication
Civil Aviation
Textile
0
0.5
1
1.5
2
2.5
3
3.5
4
4 4
3
2 2
Column B

Theme 4: Digitalised Environment is necessary for Barclays Bank.
Q4) Why Digitalised Environment is necessary for Barclays Bank ? Frequency Higher Growth 5 Increased Profitability 7 Greater Productivity 3
Interpretation:
As per the above discussion it has been determined that it is necessary for each small as
well as large business enterprises to implement internet banking at work place. In the world full
of digitalisation the major purpose of each business enterprises is to attaining high growth and
success through satisfying the needs and wants of people at market place. In the modern world
people are very much aware about the products and its features so it is essential for firm to adopt
most appropriate tools and technologies in respect to fulfilling the basic desires of customers.
Digitalised environment is effective for Barclays Bank in attaining high growth, increased
profitability and greater productivity. 5 people select the option of high growth, 7 people go with
increased profitability and remaining people go with greater productivity.
18
Higher Growth Increased Profitability Greater Productivity
0
1
2
3
4
5
6
7
5
7
3 Column B

Theme 5: Different elements of the company is most benefited from Digitalised environment
within Barclays bank.
Q5) Which elements of the company is most benefited from Digitalised
environment within Barclays bank?
Frequency
 Employees 4 Customers 6 Suppliers 5
Interpretation:
As per the above given report it has been concluded that as a large business enterprises
Barclays Bank is concern on maintaining their effective image at market place through providing
various beneficial services to their customers. The proper implementation of internet banking are
beneficial for various component of firm such as employees, customers and suppliers. These all
elements plays vast role in growth and development of firm. The major focused area of firm is to
gaining attention of large number of customers through offering them variety of products and
services that are helpful in satisfying the needs and wants of people. Majority of people select the
option of employees as internet banking are effective for organisational employees in respect to
enhancing the working efficiency which create value in high sales of firm. 5 out of 15 people
select customers and remaining people go with suppliers.
19
Employees Customers Suppliers
0
1
2
3
4
5
6
4
6
5
Column B

Theme 6: The implementation of digitalisation is costly for an organisation.
Q6) Is it costly for Organization to implement Digitisation within the over
all operations of firm?
Frequency
 Yes 12 No 3
Interpretation:
As per the above given report it has been concluded that the implementation of internet
banking are costly for firm as digital tools are cost consuming in nature and it is required for firm
to implement them into proper action in respect to attaining higher competitive edge at market
place. 12 out of 15 respondents are agree with this statement and remaining people are not
satisfied with the same. In the modern market competition is so high at market place and it is
essential for firm to adopt most unique and innovative strategy and technology in respect to
providing competition to their significant rivals. Proper implementation of tools and technologies
helps in creating high profitability for firm through producing more innovative products at
market place.
20
Yes No
0
2
4
6
8
10
12
12
3
Column B

Theme 7: The impact of internet banking on working environment of Banking Sector.
Q7) What are the impact of internet banking on working environment of
Banking Sector?
Frequency
 Efficient utilisation of Resources 4 Cost effectiveness 6 Better service delivery 5
Interpretation:
According to the above given graph it has been analysed that there is huge impact of
internet banking on working environment of Banking Sector. 4 out of 15 respondents select the
option of efficient utilisation of resources as digital tools and technologies are effective in proper
implementation of organisation resources as to attaining growth and profitability, 6 people go
with the option of cost effectiveness the establishment of internet banking are one time
investment for firm and helps in creating more value goods and services for firm which enhance
productivity and performance of firm and remaining people select the option of better service
delivery as internet banking helps in increasing the time duration of production function which
create proper delivery of goods at the right place.
21
Efficient utilisation of Resources
Cost effectiveness
Better service delivery
0
1
2
3
4
5
6
4
6
5
Column B

Theme 8: Various measures adopted by Barclays for improving productivity of the firm.
Q8) What are various measures adopted by Barclays for improving
productivity of the firm?
Frequency
 Training and development of employees 6 Implementation of internet banking 2 Cost effective strategy 4 Promotion and Advertisement 3
Interpretation:
As per the description of the above given graph it has been concluded that as a large
multinational financial sector Barclays adopt various measures in respect to improving the
productivity of firm. Production can be considered as the most essential and effective department
of firm which create value in enhancing sales and revenue of firm at market place. 6 out of 15
respondents select the option of training and development as it is the most effective measure
which is significantly applied by banking organisation in respect to developing the working
efficiency of employees at work place. 2 people go with the option of implementation of internet
banking at work place as proper implementation of technologies are helpful in reaching at final
22
0
2
4
6
6
2
4 3
Column B

result and outcome. 4 respondents select cost effective strategy and remaining people go with
promotion and advertisement.
23

Theme 9: Different digital tools are frequently used by banking sector.
Q9) Which digital tools are frequently used by banking sector? Frequency Management Information System 8 Executive Information System 3 Decision Support System 4
Interpretation:
According to the description of above given chart it has been analysed that there are
various tools available that are frequently applied by banking sector in respect to developing
their performance and productivity. 8 people select the option of management information
system as it is effective in managing the proper flow of information within work place, 3 people
go with the option of executive information system as it helps in assisting the management about
carry out the whole organisational activities into well planned manner. Remaining people go
with decision support system which helps in creating appropriate decision for organisational
growth.
24
Management Information System
Executive Information System
Decision Support System
0
1
2
3
4
5
6
7
8
8
3
4
Column B

25

Theme 10: Barclays Bank provide different kind of products and services to their potential
clients.
Q10) Which kind of services are provided by Barclays Bank to their
customers?
Frequency
 Retail Banking 4 Commercial Banking 5 Investment Banking 3 Wealth Management 3
Interpretation:
As per the above given report it has been analysed that Barclays Bank provide different
kind of products and services to their potential clients such as retail banking, commercial
banking, investment banking and wealth management. As a large banking sector in United
Kingdom Barclays Bank is concern on providing varlet of services to their significant clients in
respect to fulfilling their basic desires and needs.
26
Retail Banking
Commercial Banking
Investment Banking
Wealth Management
0
0.5
1
1.5
2
2.5
3
3.5
4
4.5
5
4
5
3 3
Column B

27

TASK 3
P5) Communicate research outcomes in an appropriate manner for the intended audience.
From the analysis of the above given report it has been determined that majorly people
are in favour that the internet banking is effective for the growth and development of Barclay's
bank, as in this modern and digital world people are very much based non internet and its
resources, so the emergence of intern in banking sector is beneficial for both organisation and
customers. People are also in favour that Digitalisation is a very important source of innovation
for companies. Proper and effective use of the innovation tool is very necessary for a company
and its success. Banking sector all around the world has been able to see a significant
transformation in its business and various banks around the world has incorporated these
technological changes within their company to make sure that they are able to serve their
customers well and is not lagging behind from their competitors. The Barclay's bank have to
realise the crucial importance of digitalisation within the operations as well as processes of the
company. Management should develop the right kind of techniques for effective and efficient
implementation of the Human resource practices within the organization.
The benefits of effective implementation of internet banking within Barclays Bank.
From the above analysis, it has been identified that internet banking makes positive
impact on the performance and sustainability of Barclays as it provides them an opportunities to
serve their financial services to maximum number of people. Educational Finance and Banking,
Telecommunication, Civil Aviation, Textile sector are such factors which get influenced by
internet banking in positive manner. Effective implementation of internet banking within
Barclays Bank such as Effective Communication between targeted customers, Storage and
Retention of Valuable information, Cost effectiveness and Waste Elimination etc. There are
several measures which are adopted by Barclays Bank in respect to developing their performance
and productivity such as Advertising and Promotion, Digitalised environment, Training and
development of employees, Reduction in Cost etc. thus bring overall positive impact on the
sustainability and profitability of Barclays. Therefore the decision of implementation of internet
banking by the management of Barclays will bring profitable result to company.
The various impact of internet banking on working environment within Barclays Bank.
28

In the modern market scenario banking can be considered as the most effective and
developing sector which plays vast role in growth and development of countries economy.
Today's banks are very much customers focused and concern on providing variety of services
and benefits in respect to satisfying their needs and wants (Famiyeh and Twum-Barima, 2011).
The banking sector is concern on providing maximum services in respect to facilitate their clients
and capture a wide area of market. Barclays is a British multinational investment bank and
financial services company which is headquartered is in London. The company mainly conducts
its business operations in over 40 countries and the company is having more than 1,20,000
employees all over the world. Apart form the banking and financial sector the company has its
four core business such as corporate banking, personal banking, investment management and
wealth management. Mostly banking sectors are applying various software such as DSS
(Decision support system) and EIS (Executive information system) as to implementing strategies
at work place. The banking sector is just not focusing on accumulating data and information but
attaining benefits form it and apply them in the process of decision making.
The measures which are adopted by Barclays Bank in respect to developing their performance
and productivity.
From the description of the above given analysis it has been evaluated that. In the world
full of digitalisation organisations are widely concern on using digital tools and technologies in
respect to making their operations more easy and reliable. As a well reputed banking sector
Barclay's Bank is concern on enhancing their performance and productivity through applying
various tools of internet banking in respect to implementing the operations of the firm in
effective manner. Bank has applied various measures like advertising and promotion, digitalised
environment, training and development session for employees, reduction in cost etc. these all
measures are effective in developing the operations of Barclay's Bank by managing the resources
in effective manner. The bank or its management is concern on using advance technologies in
respect to keeping all relevant data and information safe, so that log term services can be easily
provided to the customers and clients. The company is also concern on providing effective
training session to their new as well as old employees in order to improvising their skills and
ability to work with advance technologies. This create value in improvising the productivity and
performance of the firm.
29

The monitory benefits derived by Barclays Bank through proper utilisation of internet
banking.
Digital technologies have positively affected the atmosphere of Barclays bank.
Companies which are dealing without digitized technology are facing several problems in
competing with rivals. In monetary terms Barclays is enjoying certain benefits . Benefits like
high deposits from public is one of the them. Customers are giving their faith and confidence to
the bank because of efficient delivery of services. Along with it another positive aspect Barclays
is providing is lower interest on deposits. Implementation of effective technology within an
organisation will increase the productivity level. High level of productivity will results in higher
profits and increased market shares. If we will talk about factors like disbursements, Barclays
can charge its clients a bit higher interest rates. This has increased the profit margin
considerably. Due to advanced technology, the company dependence on the employees have also
decrease. Barclays bank now has reduce its dependence towards manual labour and shift towards
a better alternative option with increased benefits which is implementation of digital tools and
technologies.
TASK 4
P6) Reflection on the effectiveness of research methods and techniques.
The research into consideration is based on the impact of internet banking on emerging
growth in banking sector. The major motive of a researcher is to provide a brief discussion on the
issue of research so that proper outcome can be provided. The present investigation is based on
qualitative research as it is effective in providing appropriate theoretical framework in which
proper discussion is provided. In this descriptive research design has been applied by the
researcher as it is more effective in providing descriptive analysis on qualitative research work.
Interpositive philosophy has been applied by the researcher as it is effective in providing proper
justification with analysing the opinion of various authors and writers and inductive research
approach has been used in evaluating the aspects of qualitative research in effective manner. In
an investigation work data collection is considered to be the major source which plays vast role
in carry out the research in right direction. In this particular work both primary and secondary
sources are applied as to gathering valid and reliable outcome. Primary tool is impressive in
directing study for examining the perception and opinion of respondents who are having
30

significant knowledge in regards to the selected area of study. Similarly secondary source is
impressive for the purpose of implementing review of literature taken into consideration belief
and conceptualization of various authors and composer. It is necessary and recommendable to
use the most appropriate research methods to come at the common and useful conclusion and
findings. In this, questionnaire is said to be the major source for gathering effective and reliable
data for the purpose of completing the research activity on time in an accurate manner.
Questionnaire is the most effective tool for collecting wide range of data within a limited period
of time and a wide area of discussion helps in providing proper justification in regards to
addressing the issue of research in effective manner. Here is to mention that, from the above
research report, the main focus is on the learnings regarding the usage of different methods and
techniques of the data collection and accumulation. The learning outcome here also is
investigator needs to analyse the data according to the requirement of the objectives and purpose
of the projects.
P7) Determine alternative research methodologies for the project
The current research on internet banking can help me a lot in getting a fair view about the
banking sector and impact of various ancillary services provided by these banks on their
revenues and profit abilities. If these research are conducted in a proper manner and will cover
all the aspects that are being talked upon then it will help me to gain a proper knowledge that
will help me to grow my career in the particular field of banking. There are various ways through
which I can gather information regarding the sector, but a research report is a detail discussion
regarding topic and will provide me necessary assistance to grow. It will also create
opportunities for me going forward, which I can convert into career achievements in an effective
as well as efficient manner. My personal knowledge has increased substantially regarding the
sector after going through this research in an effective way.
I have used questionnaire as a method of data collection which help me in getting reliable
and accurate information and perception of respondents about the influences of internet banking
on the overall performance of Barclay. After from the questionnaire, observation technique is
also used here via internet and websites. Observation is also an important methodologies of the
research to know about the current availability of the information for the purpose of the research.
Using this method makes easy for management to make decisions whether to adopt internet
banking methods or not with an objective of bringing maximum possible outcome to company. I
31

have different options as well to collect relevant and accurate data other than questionnaire such
as interviews in which I personally asked respondents about their views related to the content of
research. Their expressions and body language help me a lot to identify their perception about
the effectiveness of internet banking on overall performance of Barclays. Interview is also an
effective tool which provides relevant data and information through conducting a personal
observation session with respondents.
32

REFERENCES
Books and Journals
Agwu, E., 2018. ICT Diffusion, Adoption and Strategic Importance in Nigerian Smes.
Bátiz-Lazo, B., 2017. Between Novelty and Fashion: Risk Management and the Adoption of
Computers in Retail Banking. In Decision Taking, Confidence and Risk Management in
Banks from Early Modernity to the 20th Century (pp. 189-207). Palgrave Macmillan,
Cham.
Berry, J. N., Deddis, N. G. and McGreal, W. S. eds., 2013. Urban regeneration: property
investment and development. Taylor & Francis.
Bones, C. and Hammersley, J., 2015. Leading Digital Strategy: Driving Business Growth
Through Effective E-commerce. Kogan Page Publishers.
Bowdin, G., and et. al., 2012. Events management. Routledge.
Bwalya, K. J., Mnjama, N. M. and Sebina, P.M.I.M. Eds., 2014. Concepts and Advances in
Information Knowledge Management: Studies from developing and emerging
economies. Chandos Publishing.
Clarke, J., 2011. Revitalizing entrepreneurship: how visual symbols are used in entrepreneurial
performances. Journal of Management Studies. 48(6). pp.1365-1391.
Epstein, M. J. and Buhovac, A. R., 2014.Making sustainability work: Best practices in managing
and measuring corporate social, environmental, and economic impacts. Berrett-Koehler
Publishers.
Famiyeh, S. and Twum-Barima, C., 2011. Impacts of information technology implementation on
banks’ operations in Ghana. International Journal of Services and Standards. 7(3-4),
pp.249-263.
Goffin, K. and Mitchell, R., 2016. Innovation Management: Effective Strategy and
Implementation. Palgrave Macmillan.
Levy, D. and Peterson, G., 2013. The effect of sustainability on commercial occupiers' building
choice. Journal of Property Investment & Finance. 31(3). pp.267-284.
Martin, R. and Townroe, P., 2013. Regional Development in the 1990s: the British Isles in
transition. Routledge.
McWilliams, D., 2015. The flat white economy: How the digital economy is transforming
London and other cities of the future. Gerald Duckworth & Co.
33

MISHRA, S. K. and DAS, K. K., 2015. PRODUCTIVITY ANALYSIS FOR STATE BANK OF
INDIA: A FRAMEWORK FOR EVALUATING e-BUSINESS MODELS. CLEAR
International Journal of Research in Commerce & Management. 6(10).
Morabito, V., 2012. Business Technology Organization: Managing Digital Information
Technology for Value Creation-The SIGMA Approach. Springer Science & Business
Media.
Shanmugam, M., Wang, Y. Y., Bugshan, H. and Hajli, N., 2015. Understanding customer
perceptions of internet banking: the case of the UK.Journal of Enterprise Information
Management. 28(5). pp.622-636.
Slade, E.L., and et. al., 2015. Modeling consumers’ adoption intentions of remote mobile
payments in the United Kingdom: extending UTAUT with innovativeness, risk, and
trust. Psychology & Marketing. 32(8). pp.860-873.
Watkins, P., 2011. Shadow banking: accounting for Canada's productivity gap. International
Journal of Productivity and Performance Management. 60(8). pp.857-864.
Yartey, F.N.A. and Birzescu, A. N., 2015. Surveillance of the poor in a socio-financial enclosure:
a critical analysis of Zidisha. Org. Development in Practice. 25(8). pp.1131-1145.
Liaw, K. T., 2011. The business of investment banking: A comprehensive overview. John Wiley
& Sons.
Gianiodis, P. T., Ettlie, J. E. and Urbina, J.J., 2014. Open service innovation in the global
banking industry: Inside-out versus outside-in strategies. Academy of Management
Perspectives. 28(1). pp.76-91.
34

APPENDIX
Questionnaire
Name:
Age:
Gender:
Email:
Address:
Phone Number:
Q1) Does internet banking are effective in attaining growth for firm?
Agree
Disagree
Q2) Does banking sector is appropriate for developing the economic condition of a country?
Yes
No
Q3) In which sector internet banking plays effective role in achieving higher growth?
Educational
Finance and Banking
Telecommunication
Civil Aviation
Textile
Q4) Why Digitalised Environment is necessary for Barclays Bank ?
Higher Growth
Increased Profitability
Greater Productivity
Q5) Which elements of the company is most benefited from Digitalised environment within
Barclays bank?
Employees
Customers
Suppliers
35

Q6) Is it costly for Organization to implement Digitisation within the over all operations of
firm?
Yes
No
Q7) What are the impact of internet banking on working environment of Banking Sector?
Efficient utilisation of Resources
Cost effectiveness
Better service delivery
Q8) What are various measures adopted by Barclays for improving productivity of the firm?
Training and development of employees
Implementation of internet banking
Cost effective strategy
Promotion and Advertisement
Q9) Which digital tools are frequently used by banking sector?
Management Information System
Executive Information System
Decision Support System
Q10) Which kind of services are provided by Barclays Bank to their customers?
Retail Banking
Commercial Banking
Investment Banking
Wealth Management
Q11) Provide recommendation to Barclays for enhancing the profitability and performance at
market place.
36

ANNEXURE
Research Proposal Form
Student Name: ______________________ Student ID:
______________________
Centre Name: _____________________
Tutor: ________________ Date:
___________________
Unit: ____________________
Proposed Title: ______________________________________________
Section One: Title, objective, responsibilities
Title or working title of the research project (in the form of a question, objective or
hypothesis)
To analyse the impact of internet banking on developing organisational performance and
productivity. A case study on Barclays Bank in United Kingdom.
Research objectives (e.g what is the question you want to answer? What do you want
to learn how to do? What do you want to find out?):
 To identify the benefits of effective implementation of internet banking within Barclays
Bank.
 To determine the various impact of internet banking on working environment within
Barclays Bank.
 To ascertain the measures which are adopted by Barclays Bank in respect to developing
their performance and productivity.
 To evaluate the monitory benefits derived by Barclays Bank through proper utilisation of
internet banking.
Section Two: Reasons for choosing this research project
Reasons for choosing the project (e.g links to other subjects you are studying,
personal interest, future plans, knowledge/skills you want to improve, why the topic
is important):

Reason behind selecting this project is to analyse the various impacts of Digital technology on
Barclays Bank.
Section Three: Literature sources searched
Use of key literature sources to support your research question, objective or
hypothesis:
Levy, D. and Peterson, G., 2013. The effect of sustainability on commercial occupiers' building
choice. Journal of Property Investment & Finance. 31(3). pp.267-284.
Martin, R. and Townroe, P., 2013. Regional Development in the 1990s: the British Isles in
transition. Routledge.
McWilliams, D., 2015. The flat white economy: How the digital economy is transforming London
and other cities of the future. Gerald Duckworth & Co.
MISHRA, S. K. and DAS, K. K., 2015. PRODUCTIVITY ANALYSIS FOR STATE BANK OF
INDIA: A FRAMEWORK FOR EVALUATING e-BUSINESS MODELS. CLEAR
International Journal of Research in Commerce & Management. 6(10).
Morabito, V., 2012. Business Technology Organization: Managing Digital Information Technology
for Value Creation-The SIGMA Approach. Springer Science & Business Media.
Shanmugam, M., Wang, Y. Y., Bugshan, H. and Hajli, N., 2015. Understanding customer
perceptions of internet banking: the case of the UK.Journal of Enterprise Information
Management. 28(5). pp.622-636.
Slade, E.L., and et. al., 2015. Modeling consumers’ adoption intentions of remote mobile payments
in the United Kingdom: extending UTAUT with innovativeness, risk, and trust.
Psychology & Marketing. 32(8). pp.860-873.
Watkins, P., 2011. Shadow banking: accounting for Canada's productivity gap. International
Journal of Productivity and Performance Management. 60(8). pp.857-864.
Yartey, F.N.A. and Birzescu, A. N., 2015. Surveillance of the poor in a socio-financial enclosure: a
critical analysis of Zidisha. Org. Development in Practice. 25(8). pp.1131-1145.
Section Four: Activities and timescales
Activities to be carried out during the research project (e.g
research, development and analysis of ideas, writing, data
collection, numerical analysis, tutor meetings, production of final
outcome, evaluation, writing the report):
Data collection
Data analysis
How long this will
take:
3 to 6 days
4 days