2. E-BANKING CHANEELS
PRESENTED BY
GROUP 7
Fatima Zahoor
Ammara Farooq
Iqra Ameen
Muhammad Gufran
Zain-ul-Abideen
Samad A. Pirzada

3.  WHAT
IS STATISTICS?
 WHY WE NEED IT?
 TYPES OF STATISTICS
1. DESCRIPTIVE STATISTICS
2. INFERANTIAL STATISTICS
 DATA
 SCALES OF MEASUREMENT
 QUALITATIVE AND QUANTITATIVE DATA

4. Data
Qualitative Data
Tabular
Methods
•Frequency
Distribution
•Rel. Freq. Dist.
•% Freq. Dist.
•Crosstabulation
Graphical
Methods
•Bar Graph
•Pie Chart
Quantitative Data
Tabular
Methods
Graphical
Methods
•Frequency
Distribution
•Rel. Freq. Dist.
•Cum. Freq. Dist.
•Cum. Rel. Freq.
Distribution
•Crosstabulation
•Dot Plot
•Histogram
•Ogive
•Scatter
Diagram

5. Describing Data Numerically
Center and Location
Mean
Variation
Range
Weighted Mean
Median
Mode
Percentiles
Quartiles
Variance
Standard Deviation
Coefficient of
Variation

6. Exploratory Data
 Five number summary
 Smallest value
 Q1, Q2(Median), Q3
 Largest Value
 Relative Location
 Z-score
 Outliers
 Measure of Association
 Co-variance
 Correlation co-efficient
 Relationship from strong to weak


7. Concepts of Descriptive Statistics in project:
 50 observations & data is collected by filling questioners
from different peoples.
 GENDER
 AGE
 CGPA
 CLASS
 CCL-1=I am comfortable with E-banking.
 CCL-2=E-banking Provides easy way to make
transactions
 CCL-3=I am very much satisfied with E-Banking channels
like ATM Credit Cards, Online transaction etc.
 CCL-4=I feel E-banking is easy to use.
 CCL-5=I think E-banking is user friendly.
 CCL-6=E-Banking Help in my Daily transactions.

8. GENDER
This is first part of questionnaire. It is to check whether the respondent is male or female.
Following data is collected on Gender.
Frequencies
Gender
Relative Frequency
Frequency Percent
Valid Percent
Male
26
52.0
52.0
Female
24
48.0
48.0
Total
50
100.0
100.0
Cumulative Percent
.52
.48
1
52.0
100.0

10.  Mean
is 1.48.
 Geometric mean 1.3947
 Harmonic mean 1.3158
 Median is 1.00
 Mode is 1
 Std. deviation is 0.50467
 Variance 0.255
 Range 1
 Inter quartile range 1
 Percentile 25, 50 & 75 are 1,1 and 2
 Coefficient of variance 34%

11. We see no outlier exist because no value is lesser than -3 and no value is greater than +3.
Z1=
Z9 =
Z25=
Z33=
Z41=
Z49=
2.33
Z17=
-0.66
0.34
-0.66
-0.66
0.34
-0.66
Z2=
Z10=
Z18=
Z26=
Z34=
Z42=
Z50=
0.34
-1.66
-0.66
2.33
0.34
0.34
0.34
Z3=
Z11 =
Z19=
Z27=
Z35=
Z43=
0.34
0.34
0.34
0.34
0.34
-1.66
Z4=
Z12=
Z20=
Z28=
Z36=
Z44=
-0.66
-0.66
0.34
0.34
0.34
-0.66
Z5=
Z13=
Z21=
Z29=
Z37=
Z45=
0.34
0.34
0.34
2.33
-1.66
0.34
Z6=
Z14=
Z22=
Z30=
Z38=
Z46=
0.34
-0.66
0.34
-1.66
Z7=
Z15=
Z23=
Z31=
Z39=
Z47=
0.34
-0.66
-1.66
-0.66
-0.66
0.34
Z8=
Z16=
Z24=
Z32=
Z40=
Z48=
1.34
0.34
-1.66
-0.66
-0.66
0.34

12. Age
This is the 2ndpart of questionnaire. It is to check whether the respondent lie in age 15-17, 18-20, 21-23, 24-26 and above 26.
Following data is collected on Age.
Frequency Distribution table of Age
Age
Relative Frequency
Frequency
Valid
Percent
Valid Percent
15-17
6
12.0
12.0
18-20
14
28.0
28.0
21-23
25
50.0
50.0
24-26
1
2.0
2.0
More than 26
4
8.0
8.0
Total
50
100.0
100.0
Cumulative Percent
.12
.28
.50
.02
.08
1
12.0
40.0
90.0
92.0
100.0

13.  Mean
is 2.6600
 Geometric mean 2.4593
 Harmonic mean 2.2338
 Median is 3.0000
 Mode is 3.00
 Std. deviation is 1.00224
 Variance 1.004
 Range 4
 Inter quartile range 1
 Percentile 25, 50 & 75 are 3,3 and 4
 Coefficient of variance 37.67%

15. CGPA
This is the 3rd part of questionnaire. It is to check whether the respondent lie in CGPA 1.5-2, 2-2.5, 2.5-3, 3-3.5 and 3.5-4.
Following data is collected on CGPA.
Frequency Distribution table of Age
CGPA
Relative Frequency
Frequency
Valid
Percent
Valid Percent
1.5-2
5
10.0
10.0
2-2.5
8
16.0
16.0
2.5-3
15
30.0
30.0
3-3.5
15
30.0
30.0
3.5-4
7
14.0
14.0
Total
50
100.0
100.0
Cumulative Percent
.10
.16
.30
.30
.14
1
10.0
26.0
56.0
86.0
100.0

16.  Mean
is 5.2220
 Geometric mean 4.91
 Harmonic mean 5.0757
 Median is 5.00
 Mode is 5
 Std. deviation is 1.183
 Variance 1.4
 Range 4
 Inter quartile range 2
 Percentile 25, 50 & 75 are 4 , 5 & 6
 Coefficient of variance 23%

18. We see no outlier exist because no value is lesser than -3 and no value is greater than +3.
Z1=
Z9 =
Z25=
Z33=
Z41=
Z49=
2.33
Z17=
-0.66
0.34
-0.66
-0.66
0.34
-0.66
Z2=
Z10=
Z18=
Z26=
Z34=
Z42=
Z50=
0.34
-1.66
-0.66
2.33
0.34
0.34
0.34
Z3=
Z11 =
Z19=
Z27=
Z35=
Z43=
0.34
0.34
0.34
0.34
0.34
-1.66
Z4=
Z12=
Z20=
Z28=
Z36=
Z44=
-0.66
-0.66
0.34
0.34
0.34
-0.66
Z5=
Z13=
Z21=
Z29=
Z37=
Z45=
0.34
0.34
0.34
2.33
-1.66
0.34
Z6=
Z14=
Z22=
Z30=
Z38=
Z46=
0.34
-0.66
0.34
-1.66
Z7=
Z15=
Z23=
Z31=
Z39=
Z47=
0.34
-0.66
-1.66
-0.66
-0.66
0.34
Z8=
Z16=
Z24=
Z32=
Z40=
Z48=
1.34
0.34
-1.66
-0.66
-0.66
0.34

19. CLASS
This is 4rth part of questionnaire. It is to check in which class respondent is lie whether in class BBA,MBA,MS,MDM and other.
Following data is collected on Gender.
Frequency Distribution table of CLASS
This table shows the distribution of CLASSES information with respect to frequency.
otal respondents are 50 in which 19 for BBA, 16 for MBA, 6 for MS, 5 for MDM and 4 for others.
Now we draw graphs using above data
Relative Frequency
Frequency
Valid
Percent
Valid Percent
BBA
19
38.0
38.0
MBA
16
32.0
32.0
MS
6
12.0
12.0
MDM
5
10.0
10.0
OTHER
4
8.0
8.0
Total
50
100.0
100.0
Cumulative Percent
.38
.32
.12
.10
.08
1
38.0
70.0
82.0
92.0
100.0

20.  Mean
is 2.18
 Geometric mean 1.6103
 Harmonic mean 1.8608
 Median is 2.00
 Mode is 1.00
 Std. deviation is 1.27279
 Variance 1.620
 Range 4
 Inter quartile range 2
 Percentile 25, 50 & 75 are 1 , 2 & 3
 Coefficient of variance 58.38%

22. CCL1
Frequency Distribution
Frequency distribution table shows that out of 50 respondents, 1 are strongly disagree with this,
6 are disagree, 10 are neutral, 22 are agree and 11 are strongly agree with this. Percent
frequency shows that 2% are strongly disagree, 12% are disagree, 20% are neutral, 44% are
agree and 22% are strongly agree.
Relative Frequency
Frequency
Valid
Percent
Valid Percent
Cumulative Percent
.02
STRONGLY
DISAGREE
1
2.0
2.0
DISAGREE
6
12.0
12.0
NEUTRAL
10
20.0
20.0
AGREE
22
44.0
44.0
2.0
.12
.20
.44
14.0
34.0
78.0
.22
STRONGLY
AGREE
11
22.0
22.0
Total
50
100.0
100.0
100.0
1

23.  Mean
is 3.7200
 Geometric mean 3.55
 Harmonic mean 3.3259
 Median is 4.0
 Mode is 4
 Std. deviation is 1.0109
 Variance 1.022
 Range 4
 Inter quartile range 1
 Percentile 25, 50 & 75 are 3, 4 & 4
 Coefficient of variance 27.18%

25. We see no outlier exist because no value is lesser than -3 and no value is greater than +3.
Z1=
Z9 =
Z25=
Z33=
Z41=
Z49=
2.33
Z17=
-0.66
0.34
-0.66
-0.66
0.34
-0.66
Z2=
Z10=
Z18=
Z26=
Z34=
Z42=
Z50=
0.34
-1.66
-0.66
2.33
0.34
0.34
0.34
Z3=
Z11 =
Z19=
Z27=
Z35=
Z43=
0.34
0.34
0.34
0.34
0.34
-1.66
Z4=
Z12=
Z20=
Z28=
Z36=
Z44=
-0.66
-0.66
0.34
0.34
0.34
-0.66
Z5=
Z13=
Z21=
Z29=
Z37=
Z45=
0.34
0.34
0.34
2.33
-1.66
0.34
Z6=
Z14=
Z22=
Z30=
Z38=
Z46=
0.34
-0.66
0.34
-1.66
Z7=
Z15=
Z23=
Z31=
Z39=
Z47=
0.34
-0.66
-1.66
-0.66
-0.66
0.34
Z8=
Z16=
Z24=
Z32=
Z40=
Z48=
1.34
0.34
-1.66
-0.66
-0.66
0.34

26. CCL2
Frequency Distribution of CCL2
Relative Frequency
Frequency
Valid
Percent
Valid Percent
1
2.0
2.0
DISAGREE
4
8.0
8.0
.08
10.0
NEUTRAL
10
20.0
20.0
.20
30.0
AGREE
16
32.0
32.0
.32
62.0
19
38.0
38.0
50
100.0
100.0
.02
STRONGLY DISAGREE
2.0
.38
STRONGLY AGREE
Total
Cumulative Percent
100.0
1
Frequency distribution table shows that out of 50 respondents, 1 are strongly disagree with this, 4 are disagree, 10 are neutral,
16 are agree and 19 are strongly agree with this. Percent frequency shows that 2% are strongly disagree, 8% are disagree
20% are neutral, 32% are agree and 38% are strongly agree.

27.  Mean
is 3.96
 Geometric mean 3.5377
 Harmonic mean 3.7825
 Median is 4.00
 Mode is 5
 Std. deviation is 1.049
 Variance 1.100
 Range 4
 Inter quartile range 2
 Percentile 25, 50 & 75 are 3, 4 % 5
 Coefficient of variance 26.489

29. CCL 3
Frequency Distribution
Frequency distribution table shows that out of 50 respondents, 1 are strongly disagree with this, 6 are disagree, 10 are neutral
, 17 are agree and 16 are strongly agree with this. Percent frequency shows that 2% are strongly disagree, 12% are disagree,
20% are neutral, 34% are agree and 32% are strongly agree.
Frequency Distribution of CCL 3
Relative Frequency
Frequency
Valid
Percent
Valid Percent
Cumulative Percent
.02
STRONGLY
1
2.0
2.0
DISAGREE
6
12.0
12.0
.12
14.0
NEUTRAL
10
20.0
20.0
.20
34.0
AGREE
17
34.0
34.0
.34
68.0
16
32.0
32.0
50
100.0
100.0
DISAGREE
2.0
.32
STRONGLY
AGREE
Total
100.0
1

30.  Mean
is 3.82
 Geometric mean 3.6301
 Harmonic mean 3.3822
 Median is 4
 Mode is 4
 Std. deviation is 1.08214
 Variance 1.171
 Range 4
 Inter quartile range 2
 Percentile 25, 50 & 75 are 3, 4 & 5
 Coefficient of variance 28.32%

32. CCL4
Frequency Distribution
Frequency distribution table shows that out of 50 respondents, 1 are strongly disagree with this, 4 are
disagree, 14 are neutral, 18 are agree and 13 are strongly agree with this. Percent frequency shows that
2% are strongly disagree, 8% are disagree, 28% are neutral, 36% are agree and 26% are strongly agree.
Relative Frequency
Frequency
Percent
STRONGLY DISAGREE
1
2.0
2.0
DISAGREE
4
8.0
8.0
NEUTRAL
14
28.0
28.0
AGREE
18
36.0
36.0
STRONGLY AGREE
13
26.0
26.0
Total
50
100.0
100.0
Cumulative
Percent
Valid Percent
.02
.08
.28
.36
.26
1
2.0
10.0
38.0
74.0
100.0

33. We see no outlier exist because no value is lesser than -3 and no value is greater than +3.
Z1=
Z9 =
Z25=
Z33=
Z41=
Z49=
2.33
Z17=
-0.66
0.34
-0.66
-0.66
0.34
-0.66
Z2=
Z10=
Z18=
Z26=
Z34=
Z42=
Z50=
0.34
-1.66
-0.66
2.33
0.34
0.34
0.34
Z3=
Z11 =
Z19=
Z27=
Z35=
Z43=
0.34
0.34
0.34
0.34
0.34
-1.66
Z4=
Z12=
Z20=
Z28=
Z36=
Z44=
-0.66
-0.66
0.34
0.34
0.34
-0.66
Z5=
Z13=
Z21=
Z29=
Z37=
Z45=
0.34
0.34
0.34
2.33
-1.66
0.34
Z6=
Z14=
Z22=
Z30=
Z38=
Z46=
0.34
-0.66
0.34
-1.66
Z7=
Z15=
Z23=
Z31=
Z39=
Z47=
0.34
-0.66
-1.66
-0.66
-0.66
0.34
Z8=
Z16=
Z24=
Z32=
Z40=
Z48=
1.34
0.34
-1.66
-0.66
-0.66
0.34

34.  Mean
is 3.5987
 Geometric mean 3.3860
 Harmonic mean 3.5987
 Median is 4.0000
 Mode is 4.00
 Std. deviation is 1.00122
 Variance 1.002
 Range 4
 Inter quartile range 2
 Percentile 25, 50 & 75 are 3 , 4 & 5
 Coefficient of variance 26.63%

36. CCL5
Frequency Distribution
Frequency distribution table shows that out of 50 respondents, 6 are disagree, 10 are neutral, 19 are agree
and 15 are strongly agree with this. Percent frequency shows 12% are disagree, 20% are neutral, 38% are
agree and 30% are strongly agree.
Relative Frequency
Cumulative
Percent
Frequency
Percent
Valid Percent
DISAGREE
6
12.0
12.0
.12
12.0
NEUTRAL
10
20.0
20.0
.20
32.0
AGREE
19
38.0
38.0
.38
70.0
STRONGLY AGREE
15
30.0
30.0
.30
100.0
50
100.0
100.0
1
Total

37.  Mean
is 3.86
 Geometric mean 3.7155
 Harmonic mean 3.5503
 Median is 4
 Mode is 4
 Std. deviation is .98995
 Variance .980
 Range 3
 Inter quartile range 2
 Percentile 25, 50 & 75 are 3 , 4 & 5
 Coefficient of variance 25.646%

39. CCL6
Frequency Distribution
Frequency distribution table shows that out of 50 respondents, 1 are strongly disagree with this, 5 are disagree, 9
are neutral, 16 are agree and 19 are strongly agree with this. Percent frequency shows that 2% are strongly disagree,
10% are disagree, 18% are neutral, 32% are agree and 38% are strongly agree.
Relative Frequency
Frequency
Percent
Valid Percent
STRONGLY DISAGREE
1
2.0
2.0
DISAGREE
5
10.0
10.0
NEUTRAL
9
18.0
18.0
AGREE
16
32.0
32.0
STRONGLY AGREE
19
38.0
38.0
Total
50
100.0
100.0
Cumulative
Percent
.02
.10
.18
.32
.38
1
2.0
12.0
30.0
62.0
100.0

40.  Mean
is 3.9400
 Geometric mean 3.7519
 Harmonic mean 3.4965
 Median is 4
 Mode is 5
 Std. deviation is 1.07684
 Variance 1.160
 Range 4
 Inter quartile range 2
 Percentile 25, 50 & 75 are 3 , 4 & 5
 Coefficient of variance 27.33%

42. We see no outlier exist because no value is lesser than -3 and no value is greater than +3.
Z1=
Z9 =
Z25=
Z33=
Z41=
Z49=
2.33
Z17=
-0.66
0.34
-0.66
-0.66
0.34
-0.66
Z2=
Z10=
Z18=
Z26=
Z34=
Z42=
Z50=
0.34
-1.66
-0.66
2.33
0.34
0.34
0.34
Z3=
Z11 =
Z19=
Z27=
Z35=
Z43=
0.34
0.34
0.34
0.34
0.34
-1.66
Z4=
Z12=
Z20=
Z28=
Z36=
Z44=
-0.66
-0.66
0.34
0.34
0.34
-0.66
Z5=
Z13=
Z21=
Z29=
Z37=
Z45=
0.34
0.34
0.34
2.33
-1.66
0.34
Z6=
Z14=
Z22=
Z30=
Z38=
Z46=
0.34
-0.66
0.34
-1.66
Z7=
Z15=
Z23=
Z31=
Z39=
Z47=
0.34
-0.66
-1.66
-0.66
-0.66
0.34
Z8=
Z16=
Z24=
Z32=
Z40=
Z48=
1.34
0.34
-1.66
-0.66
-0.66
0.34

43.  We
did this experiment and as a result we
see that most of the respondents lies in the
area of agree and strongly agree as shown by
all the diagrams.
 So
we can conclude that most of the
respondents are agree with the services of Ebanking and they like it and feel it
comfortable to use.