In the Sri Lankan context the banking sector has a major role of regulating the financial needs of the society. Almost all of the retail financial needs of the general public are fulfilled by the banks in Sri Lanka. Nowadays the implementation of sophisticated technology in the banking sector drives the financial activities to the green banking concept providing more convenience to the customers with a busy lifestyle. Internet banking is one of these facilities provided by the bankers in the 1980sâ€™. But it is not yet well established in the Sri Lankan society. The main objective of the research was to identify the impact of internet banking in state banks on customer satisfaction by considering technology based factors, transaction based factors and demographic factors related to internet banking. 1500 residents in Peradeniya, Gannoruwa, Mulgampola and Heerassagala in the Kandy district who were belonging to the personal banking customer category with internet banking experience were selected as the sample by using convenient sampling method. The primary data collection was done by a questionnaire administration among a sample and face interviews were done as a method of primary data collection while the secondary data collection was done by referring the banking publications and web sites. Data analysis was done using both descriptive and quantitative methods. The Spearman's Correlation Coefficient was used to evaluate the impact of technology based factors on customer satisfaction. The study found that there is an impact of demographic factors to the internet banking on customer satisfaction while both transactions based factors and technology based factors has a positive correlation with the customer satisfaction on internet banking facility. On the other hand it was proved that there is an impact of internet banking facility on overall customer satisfaction too.
Lying in the middle of the ocean, St. Martinâ€™s Island smiles with all its beauty and diversity of habitat. Obsessed by its strategic importance the United States expressed its strongest desire to possess the St. Martinâ€™s Island as part of United States and in return they promised to give everything in return to a war-torn country after liberation. But best Bengali soul of the universe, the father of the nation, the father of tourism, whose love and sacrifice for the nation has no match in the world, Bangabandhu Sheikh Mujibur Rahman knew the potential of St. Martinâ€™s Island and replied negatively. Every coral island in the world is a matter of tourist attraction. The crystal-clear water, blue sea, and tranquil environment, has transform the island as the best tourist destination nationally. It is rapidly gaining international popularity as a wonder of the mother nature where coral are home of thousands of different species of plants, fishes and other types of animals that is wonderfully packed with biodiversity of coral reef ecosystem. The added attraction of rocky island, it is created by the rocky coral, built by rocky coral foundation and protected by the rocky coral.Coral reef covers about 0.1% of the surface of sea-bed and there are about 99 fullfledged coral islands in the world. Scientists estimate that over one million plants and animal species are involved in the process of coral reef building, and they host-receive more than 25% of all species of marine life and St. Martinâ€™s Island is proudly one of those fully developed coral reef location. The coral reef is built bybillions of small organisms called polyp, but they live as part of cohesive group called colonies and their growth is restricted to three distinct forms: Massive, Branching, and Plate-like. The distinctive diagnostic characteristics of coral reef comes from coral reef biome, jointly formed by Rocky Coral Polyp and Crustose Coralline algae. Sea turtles nourishes, protects and creates environment of healthy growth of coral reef. Hawksbill turtle colonize coral them by consuming toxic sponges, while Leatherback turtle a major jellyfish predator protects corals and While Green turtle helps in breeding of new coral reefs through grazing sea beds. Female sea turtle comes to sandy beaches for nesting and laying eggs and remains there until hatchling comes out and protect them until they go back to the ocean. Unhatched turtle eggs provide high-quality nutrient in sea shore and help grow beach vegetation. The sea turtle comes to the St. Martinâ€™s Island from all the way from Sundarbans for nesting. The live coral and sea turtle protect, mangrove habitat and seagrass beds provide haven, and breeding house for all fish resources,microorganisms and many other marine lives. The St. Martins Island is conveniently lying along the highway of bird migration and is a famous transit place for migratory birds coming from all around the world to escape biting cold from the wests and polar regions, it is a great get-together and mingling location with global birds during winter. If the bird sanctuary is upgraded with modern facilities it can be a famous place for global bird watchingvenue in the world.