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2nd
International conference on
Business management, Commerce and
technology in the new normal
EDITOR:
Dr.Sankar Ganesh
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2nd
International conference on Business management, Commerce and technology in
the new normal
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About the Director
Dr. Thomas George K, had his Engineering Degree in Electronics and
Communication and did MBA in Systems, further he pursued M.Sc. in Applied
Psychology, M. Phil in Psychology, M.Phil in Management and obtained his
Doctorate on the thesis ‘Enhancing Competencies of Engineering and Management
Students’ from Bharathiar University.
In 1994, he started his professional career as an entrepreneur of a startup
computer firm called Prompt Computers which mainly dealt with the sales and
services of computers and accessories in Palakkad. Prompt Computers has developed
India’s largest touch screen network for Indian Railways. Later in 2002 he opted out
a career as a soft skill trainer focusing mainly among the youth and students. Then as
the time passed by, he became an 'International Trainer' of JCI wherein he has visited
35 countries for training.
He is the Chief Mentor of ‘Turning Point’ – a 6-day life skill training
programme which is widely recommended by many management specialists. He has
already conducted more than 290 batches of ‘Turning Point’. And the last
programme also included one of the ‘Longest Business Lessons’ in the world, for
which he holds the title of ‘Guinness World Record’.
LEAD College of Management a stand-alone Business School was born out
of the efforts of Dr. Thomas and has a coveted position among the peers within a
very short span of time.The National Institute of Personnel Management bestowed
Dr. Thomas with a prestigious 'Best Institution Builder' award for his devotion and
expertise in developing young managers. He currently is the Director of LEAD
College of Management.
He is currently the Chairman of NIPM (National Institute of Personnel
Management) Palakkad Chapter, Executive member at ASMIK (Association of Self-
Financing Management Institutions in Kerala, Secretary at AMICU (Association of
Management Institutions under Calicut University) and Treasurer at VISWAS
(Victims, Sensitization, Welfare and Assistance).

FEATHERS ON HIS CAP
 Bestowed with the prestigious GUINNESS WORLD RECORD after
delivering the 'LONGEST BUSINESS LESSON' for a duration of 72 hours
from November 3rd to November 5th, 2018.
 ‘SMART Person of Palakkad’ by the honorable Chief Minister of Kerala in
the year 2015.
 National Foundation of Entrepreneurship Development (NFED) has
awarded ‘DISTINGUISHED EDUPRENEUR AWARD 2015’
 ‘OUTSTANDING EDUPRENEUR 2016’ awarded by Palakkad
Management Association.
 ‘Vocational Excellence Award, 2016’ instituted by Rotary Club of
Palakkad Fort.
 ‘Eminent Educationist’ in the Indo American Education Summit 2016 held
at Chennai by The Indus Foundation which was awarded on 21st September
2016.
 ‘The Master of Management’ by Stimulus Research Services International
and World of Business Magazine at World Business Conclave 2016, Hong
Kong.

CONTENTS
1. A Study On Concepts In Organizational Behaviour 1
2. A Study On The Impact Of Covid-19 Situation Of Digital
Marketing In Tamil Nadu
7
3. A Study On The Growth Of E-Commerce Of During Covid-
19 Situation In India
17
4. Green Business Opportunities For Service Industry Scenario 27
5. Visual Merchandising And It’s Role In Retailing 33
6. Customer Awareness On Digital Transformation In Banking
Operations: An Analytical Study With Special Reference To
Thirumittacode Panchayath
40
7. Environmental Issues With Farmers: Suicides In Indian
Agricultural Crisis
52
8. Future Of Food Tourism 59
9. Financial And Marketing Strategies On The Different Stages
Of Plc And Its Marketing Implications On The Fmcg Products
66
10. Level Of Awareness Of The Cottage Industries About
Technical Marketing Strategies
86
11. Customer Relationship Management A Recent Trend In
Marketing
95
12. Marketing Strategies That Can Be Adopted By Firms For
Globalization- A Report Based On The Study On Bhel
99
13. ”Paths To Greenness” - Present Trends In Green
Marketing In India
104
14. Global Branding 117
15. Pst (Personalized –Service And Technology) In Banking
Sector
125
16. Integration Of Business Process In Logistics And Supply
Chain Management
134
17. A Study On Food Inflation In India 144

18. A Study On Influence Of Social Media On Consumer
Purchase Decision Making Process
153
19. Study On Online Product Reviews And
Its Impact On Buying Behaviour
167
20. Impact Of Viral Marketing In New Normal With Special
Reference To Coimbatore City
175
21. Green Marketing Practices In India: A Literature Review 181
22. A Study On Investment Decision Among Bachelors In
Palakkad District
188
23. A Study On Customer Satisfaction Towards Online Food
Delivering Companies
197
24. Adoption Of Digital Payment And E Wallet System In India 207
25. A Study On Information Adoption Behaviour Over Online
Retail Shoppers
218
26. An Empirical Study On Impact Of Tribal Education On
Community Development In Tamilnadu
227
27. An Investigation On Training & Development Determine
Staff Retention Strategies In Organization: A Case Of
Turkana County Government, Kenya.
232
28. Analysis Of Amusement Park Industry And Equity Research
On Wonderla Holidays Limited
244
29. Assessment Of Body Posture Variables
In Adolescence
249
30. Artificial Intelligence (AI) In Marketing (Customer Service):
Ease Of Use, Usefulness, Trust, Problem-Solving Ability,
And The Intention To Use / Prefer Artificial Intelligence:
Partial Least Squares (PLS) Modelling Analysis
259
31. Analysis Of Switching Intentions Of Green
Entrepreneurship While COVID-19 With Reference To
Chennai City
275
32. Hydroponics: Agriculture 2.0 282
33. Unceasing Campaigns For The Monopoly Over The Waves
Of Indian Ocean
289

34. A Study On Contribution Of Entrepreneuship Towards
Corporate Social Responsibility(Csr)
299
35. Green Business Opportunities For Service Industry Scenario 309
36. A Study On The Performance Matrix Of M/S. Starcare
Hospitals Kozhikode -A Case Study
315
37. Measurement Of Job Satisfaction: Government And Non
Government Women
Nursing Employees With Reference To Chennai
326
38. A Study On Performance Appraisal System In Hll Lifecare
Ltd, Trivandram
346
39. Retrospection Of Literature Reviews On Adversity Quotient
From 2012 To 2021
356
40. Logistics And Supply Chain Management 374

2nd
International Conference on Business management, commerce
and technology in the new normal 1
A STUDY ON CONCEPTS IN ORGANIZATIONAL BEHAVIOUR
ROHINI.M
SOWMIYA.S
I MBA, Kalasalingam Business School (KBS),
Kalasalingam Academy of Research and Education (Deemed to be University),
Krishnankoil-626126, Tamil Nadu, India
Abstract
Organizational Behaviour
(OB) is a discipline of social science
that seeks explanations for human
behavior in organizations. OB draws
on core disciplines such as
psychology, sociology, anthropology,
economics, communication, and law
to create and investigate multilevel
explanations of why people engage in
particular behaviours, and which
behavior sunder which circumstances
lead to better outcomes in
organizations. Created using an
applied or pragmatic lens and tested
with a wide range of both
quantitative and qualitative
methodologies, most OB theories and
research have direct implications for
managers and for other organizational
participants. OB is based on data
collected during simulation training
across a variety of organizations such
as hospitals, airlines, nuclear power
plants, and other high reliability
organizations "The goals of OB
[organizational behavior] are to
explain, predict, and influence
behavior. Managers need to be able to
explain why employees engage in
some behaviors rather than others,
predict how employees will respond to
various actions and decisions, and
influence how employees behave."
The study of organizational behavior
gives insight on how employees
behave and perform in the
workplace. It helps us develop an
understanding of the aspects that can
motivate employees, increase their
performance, and help organizations
establish a strong and trusting
relationship with their employees. I
learned organizational behaviour is
used to accomplish goals and help
employees achieve optimal
performance. More importantly,
learning about organizational behavior
will help you to understand your
own behaviors, attitudes, ethical
views, and performance, as well as
those of the people with whom you'll
be working. it focuses on
understanding, changing and
improving individual group.

2nd
INTRODUCTION
Origin of Organizational
Behavior can trace its roots back to
Max Weber and earlier organizational
studies. The Industrial Revolution is
the period from approximately in 1760
new technologies resulted in the
adoption of new manufacturing
techniques, including increased
mechanization. Organizational
Behavior(OB)can be defined as the
understanding, prediction and
management of human behavior both
individually or in a group that occur
within an organization. Internal and
external perspectives are the two
theories of how organizational
behavior can be viewed from an
organization’s point of view. In this
tutorial, we will be learning in detail
about both the theories.
The period before 1890 is
known as the Pre-Scientific
Management era. In the period
after1890, Management Theories
started gaining importance. Scientific
Management was developed during
this period. Scientific Management is
also a theory of management, which
focuses on improving economic
efficiency, especially labor
productivity. The period between 1920
and 1930 characterizes the growth of
literature on human relations (Warner,
1994). This inter-war period paved
way for work groups emerging as an
important component of human
relations. In 1920’s, Hawthorne Effect
studied the socio-psychological impact
of human behavior in organizations.
This study focused on relationship
between productivity and variables
such as lighting in the workplace,
clean workstation, allowing employees
to build and work in teams, and having
regular breaks.(Mayoetal.,1939).The
growing importance of people factor
as the core of human relations became
a concern for many active
organizations in that interwar period
(Follet 1941;Child 1969). During the
Word War I, considerable efforts were
made to boost up worker’s motivation
due to war crisis. Similar practices
were observed after 1918 in the peace
time after World War II.
Organizational behavior started to
establish post World War II,
specifically after 1945,as an academic
discipline.
Identification of relevant literature
The first step in the review was
identifying the relevant literature on
organizational behavior. A total of 81
research papers spread across the
time-period of 1990-2019 were
considered for the study. The growing
significance of understanding
Organizational Behavior as a

2nd
discipline and Systematic Literature
Review as a review technique is the
primary reason behind selection of the
period of 1990-2019 for the study.
Scholarly databases such as
EBSCO, Emerald, Springer, Elsevier,
Wiley, Pro Quest,J Stor and Taylor
and Francis were search educing the
key phrase ‘literature review’
‘systematic literature review’ and
‘organizational behavior’. A total of
93 papers were identified for the
study.
Inclusion and Exclusion Criteria
Keyword: Using the database of ISI
Web of Knowledge and the keyword
“Organizational Behaviour”26,418
papers were identified.
Discipline: Using the inclusion criteria
of “Management” as a discipline, the
number of papers was reduced to10,
535.
Language: Selection of “English” as a
language reduced thenumberto10, 454
Review Papers: Using “Review
Papers” as the inclusion criteria, the
number reduced down to 774 papers
Research Areas: Using “Management
Science”, “Psychology”, “Behavior
Science”, “Social Science”,
“Education Research”, “Operation and
Management Science”,
“Communication”, “Sociology” as the
inclusion category for allied research
areas, 416 research papers were
retrieved. Out of which 81 relevant
research papers concerning
performing Systematic Literature
Review on emerging trends in
Organizational Behavior were studied.
Inference: The country wise
segregation shows that there has been
manifold increase in the literature
availability concerning Organizational
Behavior after 1990 (see Table1). And
hence the period of 1990- 2019 has
been chosen for the study. The table
also shows the growth and prominence
of Organizational Behavior as a
discipline in developed countries like
USA & UK. Hawthorne Studies which
was a major development in the
discipline was carried out in Western
Electric, USA. Due to the majority of
developments in the discipline being
associated with USA, availability of
literary studies is maximum for USA
here. In the Indian context, the
availability of prominent literature is
scarce, and is mainly observed after
the period of 2011. Hence there is a
death of research literature in
Organizational Behavior in Indian
Context.
Organizational Behavior by
definition is concerned with the study
of what people do in an organization

2nd
(social system), and how that behavior
affects the performance of the
organization at Individual, Group &
Organization Level(Robbins and
Judge,1993).Hence we have classified
the papers and sub-areas on the basis
of three unit of analysis: Individual,
Group and Organization.
Objectives of Organizational
Behavior
Studying organizational
behavior can help assess how the
employees process these changes and
inculcate the min to their work
patterns. In addition, there is as
certain objectives that organizational
behavior fulfils or needs to be fulfilled
in the workplace.
Improving Employee Behavior
With the help of organizational
behavior, it is easy to understand
employees' behavior and access their
work place situation. It also helps in
analyzing how employees' positive
and negative behavior while working
can impact the work flow. And
through all these necessary steps can
be taken to handle any situation that
may arise. For example, with the help
of organizational behavior, we can
look into the fact as to why the
deadlines by a particular employee are
not being met.
For example, with the help of
organizational behavior, we can look
into the fact as to why the deadlines by
a particular employee are not being
met.
Enhances Leadership Skills
For one to become an effective
leader, it is necessary to understand
organizational behaviour. When one is
in a higher position, it is important to
look into the factors that affect
employees' or subordinates' behavior
in the workplace. Once their sons are
understood, effective steps can be take
an immediate level. Leadership skills
ensure to handle the employees work
effectively and efficiently.
Increases the Motivation of
Employees
When they look through the
employees' perspective, they will
always find it motivating that their
problems are being understood and
reasons for their behavior, in a certain
way, are taken into consideration.
Like, when effective feedback is
taken, the employees feel valued and
satisfied. It motivates them to work in
a better way which will in turn
increase productivity.
Assists in Organizational Change
When working in an

2nd
organization, the employees have to
go through several changes like
technological changes, customer tastes
etc. And any difficulty that arises can
be solved without having any major
effect on the working by looking into
it prior.
Creating a Desirable Workplace
Culture
By taking steps to understand
organizational behaviour, desirable
work place culture is created. The
employees feel satisfied and
important. It helps understand what
style of leadership must be used,
hiring strategies, compensation, etc.
Implications of Organizational
Behavior
There are diverse implications
of organizational behavior in the era of
globalization as the competition is
intensified; moreover, it can be
analyzed that competitive advantage
is achieved by the organizations that
are enriched with effective
leadership.
Organizational behavior helps
us to develop an understanding of the
attitude and performance of employees
and the organization as a whole. There
are a variety of factors that can
influence organizational behavior,
including the company culture,
policies, and structure. These aspects
can have an impact on employee's
productivity and their commitment to
the organization.
Organizational Culture
Organizational culture consists
of values and motives that contribute
to the environment within an
organization. It influences the way
people work and interact with each
other. Employees become more
responsible when they feel respected
and become an integral part of the
team. Based on a study of 20,000
employees conducted by HBR and
Christine Porath, results show that
employees are more engaged with
work when they are treated with
respect.
They will feel more committed
to their work and align their goals with
the company.
Incentive System
Employees tend to feel more
motivated when there is a solid reward
system. Once this effective system is
established, it is necessary to reward
employees who perform well. They
should be consistently applied within
the company. study from the Human
Resource Journal proposes that there
are three types of contingent pay:
performance-related pay, profit-related

2nd
pay and share ownership. Through
interviews conducted in1, 293 private-
sector work places across the United
Kingdom, only performance-related
pay was associated positively with job
satisfaction, commitment, and loyalty
among employees. Organizational
behavior proposes that incentives are
motivational factors that are crucial
for employees to perform well.
Decision Making
Organizational behavior
changes the way people make
decisions. Businesses that are able to
encourage risks in decision making
within the company culture can
enhance innovation and creativity.
Effective communication allows
managers and employees to
understand the business context and
provides the opportunity for
employees to get involved.
CONCLUSION
Organizational Behavior is the
application of knowledge about how
peoples, individuals, and groups act
and react in an organization, in
order to reach and accomplish the
highest quality of performances, and
dominant results. One way for an
organization to become more
innovative is to capitalize on its own
employee’s to innovate. Every
organization needs a structure in
order to operate systematically. The
organizational structures can be used
by any organization if the structure fits
into the nature and the maturity of the
organization. In most cases,
organizations evolve through
structures when they progress through
and enhance their processes and
manpower.

2nd
A STUDY ON THE IMPACT OF COVID-19 SITUATION OF DIGITAL
MARKETING IN TAMIL NADU
N. Hariharan Ddtp., Doa, Ibm
Bcom Cs, Final Year, Paravathy’s Arts And Science College, Wisdom City,
Dindigul.
Tamilnadu, India. Email: hariharan23900@gmail.Com
S.P. Vigneshraja
Bcom Cs, Final Year, Paravathy’s Arts And Science College, Wisdom City,
Dindigul.
Tamil Nadu, India. Email: vigenshpandiyan@gmail.com
ABSTRACT
Advanced promoting is the
road of computerized verbal trade this
is utilized by the advertisers to prompt
the merchandise and the contributions
towards the market. The quality
explanation of the advanced
promoting a lot is associated with
clients and allows in the clients to
blend with the item through unique
attribute of computerized media. This
publication customers on the
significance of computerized selling
for the two customers and business
visionaries. We examine the stop final
product of virtual publicizing a lot on
the foundation of organization's pay.
Then, at that point 206 respondents
assessment are collected to get the
spotless picture around the current
examinations.
The worldwide pandemic of
Corona virus even as affecting various
areas, sizably affected advanced
promoting a lot and publicizing and
showcasing also, in worldwide, close
by, and network recognition. Be that
as it may, this effect for the greatest
component has end up a sublime one,
in area of what has wind up being seen
in several different fields which
incorporates a monetary framework,
human valuable helpful asset, and a lot
of others., while the infection made a
lot of vulnerabilities among clients
and advertisers the same, with
perceive to wellness, social presence,
financial equilibrium, work, and
masses of others., the
indistinguishable in addition added
about conduct moves along with by
walking distantly, investing a
determination of energy inside, taking
on to home-preparing, becoming more
acquainted with new plans from the
web, increased consideration on
wellbeing and cleanliness, averting
swarmed areas, duplicated web-based

2nd
media commitment, the change inside
the course of on line content material,
etc., and those enormously affected
publicizing a lot and promoting and
showcasing endeavors.
INTRODUCTION
Digital advertising is regularly
known as 'online advertising and
marketing and marketing', 'internet
advertising 'or' net advertising'. The
time period digital marketing has
grown in popularity over the years,
especially in positive nations. In the
USA. Online marketing is still
popular, in Italy is referred as internet
marketing but inside the United
Kingdom and international, digital
advertising and marketing has turn out
to be the most not unusual time period,
especially after the year 2013.
Digital advertising is an umbrella term
for the advertising and marketing of
products or services the usage of
digital generation, especially at the
net, but also along with cellular
phones, display advertising and
marketing, and some other virtual
medium. The way wherein digital
advertising has advanced due to the
fact the 1990 and 2000s has changed
the manner manufacturers and
organizations utilize era and virtual
advertising and marketing for his or
her advertising and advertising.
Virtual advertising campaigns have
become greater commonplace in
addition to inexperienced, as digital
systems are an increasing number of
included into advertising plans and
everyday life, and as people use
virtual gadgets in choice to going to
bodily stores.
LITERATURE REVIEW
Assessment of literature is a
written assessment of fundamental
writings and extraordinary assets on a
particular concern rely upon. This
affords a crucial evaluation of
miscellaneous research, researches,
books, scholarly articles, blogs, and all
other property associated with social
media advertising techniques.
1. Laato et al. (2020) supplied a
précis of the literature on the
effect of pandemics on human
conduct and discovered that
researchers have given little
hobby to an endemic's impact on
customer behavior. Instead,
research has typically centered
on pandemic impacts on
behavior for preventive health.
The covid-19 pandemic permits
benefiting treasured patron
conduct insights inside the path
of a situation of patron
uncertainty approximately the
manner to react. Because of this,

2nd
modern-day-day have a take a
look at sheds mild on how
consumers' social media
behaviors have shifted because
the pandemic emerged.
2. Brendan James Kegan and
Jennifer Rowley (2017) make a
contribution to knowledge
concerning social media
advertising and advertising
method thru growing a level
version of sum assessment and
uncovering the traumatic
situations on this system. The
studies paper has developed a
social media advertising and
advertising evaluation
framework. This framework has
the following six ranges: putting
assessment objectives,
identifying key universal
performance symptoms figuring
out metrics, facts collection and
assessment, record technology,
and manipulate choice making.
3. Priyanka p.v and Padma
Srinivasan (2015) in her studies
have a look at recognized
various factors that determine
the purchase of a product the
usage of social media from a
consumer's point of view. A
model from the store's attitude
has been superior that explains
how social media may be used
for growing purchaser loyalty.
The observation concludes that
non-prevent customer service
services will result in
improvement of patron retention.
New packages and social
structures will flourish and
permit even extra personalization
and actual-time, place-primarily
based engagements in media.
4. Ates bayazit hasta (2013) in their
research paper "a examine on the
of outcomes of social media on
more youthful clients' shopping
for behaviors" determines the
outcomes of social media
networks on purchasing
behaviors of young customers.
The determined effects suggest
that social media gadget right
away results in the shopping for
behaviors of the customer,
depending upon their age group
and educational fame.
Statement of The Problem
These days the internet for all
in the digital international is important
for growing utilization internet
presents the development of social
media for all people within the world.
The technological improvement of
converting the manner customers
marketing for goods and offerings
quickly in day to day in present-day

2nd
technological development within the
international. It's far beneficial for
time financial savings, smooth
accessibility, convenience,
extraordinary price variety,
availability of merchandise. At the
same time of clients easily pay to
product amount uncomfortable to
present the financial institution
account quantity, private information,
credit score card numbers, and delay
on delivery, transits protection issues,
lack of interactivity, loss of substantial
discount in social media advertising.
And another important point of all
applications run in only online. Some
customers like offline applications it is
main reason network issues.
OBJECTIVES
➢ This paper is to identify the
value of digital marketing.
➢ Towards analyze the
management of covid -19
situation on digital marketing
and impacts.
➢ The Covid-19 to analyze the
destiny role of digital marketing
post in covid -19.
➢ The research assessment of
digital marketing.
RESEARCH METHODOLOGY
The research technique directs
the general pattern of forming method
for accumulating legitimate and
reliable facts in investigation. The
study technique includes the outline of
pattern length, study design,
development, sampling techniques,
and outline of the equipment. The
facts series of number one and
secondary information for reading
digital marketing.
METHODOLOGY
Primary Data
The research is through
opinion is complete questionnaires in
Google forms.
Secondary Data
Secondary resources are the
info are presented already. In this
study, secondary information was
collected from the posted articles,
previous facts, submitted thesis,
magazines, and internet, and so forth.
Sample Size
The sample size is
206defendant’s estimation from the
customers who currently purchasing
products in digital marketing.
1. Profile of the online buyers
S.NO Gender Respondents Percentage
1 Male 133 65%
2 Female 68 33%

2nd
3 Others 5 2%
4 Total 206 100%
Table – 2 Age
S.no Age Responde
nts
Percenta
ge
1 Belo
w 18
29 14%
2 19 to
30
years
48 23%
3 31to
45
years
67 33%
4 46 to
55
years
44 21%
5 Abov
e 56
18 9%
6 Total 206 100%
Table- 3 Profession
S.no Profession Respondents Percentage
1 House
wife
22 11%
2 Employee 92 45%
3 Business 57 28%
4 Students 18 9%
5 Any other 17 8%
6 Total 206 100%
65%
33%
2%
0%
50%
100%
Male Female Others
1. Gender
11%
45%
28%
9% 8%
0%
10%
20%
30%
40%
50%
3. Profession

2nd
Table – 4 Monthly Income
2. Awareness of online shoppers
S.no Particulars Respondents Percentage
1 Having on
knowledge
about
online
shopping
191 97%
2 Not having
on
knowledge
about
online
shopping
15 3%
3 Total 206 100%
3.Availability of Online Information
about Product
S.
No
Particul
ars
Responde
nts
Percent
age
1 Excelle 107 52%
22%
48%
24%
6%
0%
10%
20%
30%
40%
50%
60%
4. Monthly Income
97%
3%
2.Awareness
Having on
knowledge
about online
shopping
Not having on
knowledge
about online
shopping
S.n
o
Inco
me
Responde
nts
Percent
age
1 Below
10000
45 22%
2 10001
-
20000
99 48%
3 20001
-
40000
50 24%
4 Abov
e
40000
12 6%
5 Total 206 100%

2nd
nt
2 Good 59 29%
3 Average 38 18%
4 Poor 2 1%
5 Total 206 100%
4. Reasons for Choosing Online
Shopping
S.
no
Particu
lars
Respond
ents
Percent
age
1 Wide
variety
of
product
s
55 27%
2 Easy
buying
procedu
res
77 37%
3 Lower 44 21%
prices
4 Various
modes
of
paymen
ts
29 14%
5 Others 1 0%
6 Total 206 100%
5. Frequency of Online Purchasing
S.n
o
Particul
ars
Responde
nts
Percent
age
1 Purchase
once
annually
24 12%
2 2 - 5
purchase
s
annually
88 43%
3 6-10
purchase
s
annually
58 28%
4 11
purchase
36 17%
52%
29%
18%
1%
0%
10%
20%
30%
40%
50%
60%
Excellent Good Average Poor
3.About the product
27%
37%
21%
14%
0%
0%
10%
20%
30%
40%
4. Reason for choosing

2nd
s and
above
annually
5 Total 206 100%
6. Offline mode of online shopping
applications
S.N
o
Offline
app
Respond
ents
Percent
age
1 yes 121 59%
2 No 77 37%
3 No
comme
nds
8 4%
4 Total 206 100
FINDINGS
Digital marketing have a grander
upcoming in the current market.
Consumers are fulfilled concluded
buying digital marketing.
✓ People discovery it safe type of
online purchase. Ratio of male
customers is very high in online
shopping that is 65% in digital
marketing.
✓ Awareness around online
shopping is 206 between the
respondents used percentage
analysis.
✓ Income of respondents mainly
falls in the range of Rs. 10,001 to
Rs. 20,000 that is 48%.
✓ Employees of different
companies are purchasing more
than others through online
shopping that is 45% in the
digital marketing.
✓ Best numbers of respondents that
is 38% feels that online shopping
12%
43%
28%
17%
0%
5%
10%
15%
20%
25%
30%
35%
40%
45%
50%
5. Frequency purchasing 59
37
4
6. Offline apps
yes No No commends

2nd
have simple buying procedures;
others feel that they can have a
broad variety of products,
products with lower price, a
variety mode of payments etc.
✓ Online information about
Product & Services is
outstanding 54% of respondents
feel that availability in the
digital.
✓ Then 43% of the respondents
purchase the products 2 to 5
times annually it is very
important for digital marketing.
✓ Most of the customers liked
offline mode of applications the
highest response is yes 57%.
SUGGESTIONS
➢ Provide a straightforward and
great office to the buyer prior and
later buy.
➢ Producing mindfulness among
individuals around computerized
showcasing.
➢ Collect then, at that point execute
the criticism gave through the
shopper in the correct manner.
➢ Develop specialized progression
in overhaul of computerized
advertising.
➢ Complete report need to convey
around the item to the online
customers
➢ Most of the online shopping
applications customers liked
offline mode shopping.
CONCLUSION
Virtual advertising has shot out
to be significant a part of technique of
many companies. On the present day
time, nonetheless for tiny business
administrator to hand have an
especially inexpensive and in a
position method by using digital
advertising to marketplace their
products or services inside the society.
It has no restrictions. Enterprise can
make use of any techniques including
tablets, smart telephones, TV, laptops,
media, social media, email and lot
other to guide enterprise and its
services and products. Virtual
advertising may also whole something
greater if it research purchaser
requests as a peak priority.
Inside the current situation,
virtual is in the coronary heart of all
businesses, and digital advertising
inside the palms of brands and
marketers to put in force advertising
strategies in an infectious period. No
matter the fantastic impact of the
advertising enterprise, the virtual
advertising branch noticed the most
important incentive. Has covid-19
virtual marketing rapid tune and has
brought about further enhancing

2nd
virtual advertising and marketing
measures.
REFERENCES
1) Chaffey d, e-business & e-
commerce management-
strategy, implementation and
practice Pearson education,
Paris, 2011, 72-79
2) Chaffey d & smith p, e-
marketing excellence: planning
and optimizing your digital
marketing, rout ledge. Fourth
edition, 2008, 580-593
3) Wag mare GST, e-commerce, a
business review and future
prospects in Indian business.
Internet, marketing in India.
Indian streams research journal,
2(5), 2012, 14.
4) Gangeshwer do, e-commerce or
internet marketing: a business
review from Indian context”,
international journal of - and e-
service, science and technology,
6(6), 2013, 187-192.
5) Vishal mishap, article- impact of
consumer empowerment on
online trust: an examination
across genders, Elsevier
international journal, 12(3),
2012, 198-205.
6) 2) April Hanlon, "digital
marketing: strategic planning
and integration", sage launch,
(2019).
7) Three) Dave said, br. Smith,
"digital advertising and
marketing top-notch: online
advertising making plans,
improvement, and coordination",
Rutledge, fifth edition (2017).
8) diginomic.Com/what-
futuredigital-advertising and
marketing-and-impact-covid-
19discover-martech-digital-
occasion-overview
9) https://advertising.Toolbox.Com/
artics virtual-advertising-
definition-type-strategies-
examples
10) https://www.Marketingprofs.Co
m/chirp/20 20/43008 / covid-19-
impact on business and virtual-
advertising and marketing-
initiatives
11) https://blogs.Perficient.Com/202
0/04/08/th e-effect-digital-
advertising and marketing in the
course of covid-19 /

2nd
A STUDY ON THE GROWTH OF E-COMMERCE OF DURING COVID-19
SITUATION IN INDIA
Dr. M. KARUPPANASAMY
Assistant Professor, Department Of Commerce , Parvathy’s Artrs And Science
College,
Wisdom City, Dindigul, Tamilnadu, India. Email : Drkscommerce@Gmail.Com
N. HARIHARAN DDTP.DOA.IBM.
Bcom Cs, Second Year, Parvathy’s Artrs And Science College, Wisdom City,
Dindigul, Tamilnadu, India. Email : Hariharan23900@Gmail.Com
ABSTRACT
The global unfold of the covid-
19 pandemic has agitated how human
beings purchase commodities and
different services and the way they
may be worried in e- commerce. That
is absolutely primarily based on the
current situation and modern records.
The patterned lockdown rules across
India and the developing
unwillingness amongst consumers to
head outside and store for essential
items have given a much broader view
of the kingdom closer to e-commerce.
Purchasers have a change from shops,
supermarkets, and buying department
shops to on line portals and different
purchasing apps for the purchase of
Product, starting from basic
commodities to reputed brands in
India.
Keywords- commerce, covid-19,
online shopping, buying, contactless
shores, marketing, online payments.
INTRODUCTION
Humans respond to crises in
one-of-a-kind approaches. When faced
with an uncertain, risky state of
activities over which we have no
manipulated, we tend to attempt
approximately we can to experience
like we have some manage. Those
psychological factors are the same
reasons “retail therapy” is a response
to many different varieties of non-
public crises; but, at some point of a
pandemic, there are introduced layers.
“Panic shopping for can be understood
as playing to our three fundamental
mental needs.” These desires are
autonomy (or the need to experience
on top of things of your movements),
relatedness (the want to experience
that we are doing approximately to
advantage our families), and
competence (the need to feel like
clever customers making the suitable

2nd
choice).
Understanding Fear Shopping For
and Corona virus
As information of covid-19
spread and because it changed into
officially declared a pandemic by
using the field fitness world health
organization, people answered by
using stocking up. They offered out
scientific materials like hand sanitizer
and masks and household basics like
bathroom paper and bread. Soon, each
brick-and-mortar and online shops
were suffering to preserve up with call
for, and price gouging aimed at
materials have become rampant. Hig
various e- commerce web sites at
some stage in the pandemic.
EXAMPLES OF E- COMMERCE
✓ Amazon
✓ Flipkart
✓ eBay
✓ Fiverr
✓ Upwork
✓ Olx
✓ Quikr
Estimated Number Of Monthly
Visitors in E- Commerce
S.no Retail
website
Millions
1 Amazon 322.54
2 Flipkart 242.62
3 Alibaba 175.95
4 Snap deal 56.41
5 Myntra 48.03
6 Indiamart 47.23
7 Book My
Show
43.25
8 Nykaa 20.84
9 First Cry 16.94
10 1mg 14.62
Objectives Of The Research
➢ To observe how corona virus has
affected the Customers online
shopping.
➢ To study whether or not online
purchasing is fantastic even after
the pandemic.
➢ To understand factors those
impact the maximum to
Purchase online.
➢ To become aware of whether
continuity of online buying
prevails even after the outbreak.
RESEARCH METHOD
Primary Data
The research is conducted to
obtain statistics on”A research on the
development of e-commerce during
covid-19 situation in india”. A sample
size of a 233 changed into gathered
the use of the increase sampling
method. The sample includes each
literate and illiterate as their reaction

2nd
determines the reliability of the
survey. Google forms platform
became used for gathering records.
The responses from the respondents
were accumulated and analyzed the
usage of the easy percentage approach.
Secondary Data
The secondary Data are
collected via data, articles, survey
reports, journals, studies statistics, and
website site information.
E- COMMERCE STATUS IN 2021
✓ 18% of customers have tried
curbside pickup for the primary
time over the covid-19 era
✓ 36% of customers have skilled
massive shipping delays because
of covid-19
✓ E-Commerce income are
forecasted to have speeded
through 32.4% in 2020
✓ Quality buy noticed the most
important yoye e- commerce
sales development in 2020
(105.5%), observed by means of
goal (103.5%) and Kroger
(79.2%)
Online Marketplace Elements Need
To Come Together
Best collection and produce
Brands will want to tailor their
collection to fit online desires (e.g.,
bigger packs, bundles, ease of
shipping, and so forth.). For instance,
some main FMCGs have redesigned
packaging and decreased the quantity
of plastic and water to make it lighter
and more cost-green to deliver those
products.
E-commerce-ready supply chain
Brand want to make certain
that their deliver chains are relatively
agile, to manage sharp demands (e.g.
Diwali season) that are characteristic
of online companies and build the
associated call for forecasting and
inventory planning skills as properly.
Digital Marketing
Brands want to decide their
most helpful break up of spending
throughout digital channels and digital
properties. Depending at the goal, they
have to optimize spending among
diverse digital properties including
banner commercials, seek listings,
social media, etc. The biggest benefit
of virtual advertising and marketing is
the capability to hyper-customized
content— Brand can get a better ROI
by means of being nimble about the
client cohorts and have been of their
buy adventure, to goal.
Adjusting advanced online
conversion

2nd
Optimizing the trifecta of
product display page (PDP),
pricing/promotions and visibility, can
appreciably enhance conversion
charges online.
Digital implementation quality
The capability to create and
always refresh content, test and
examine, refine at scale, song and
tweak online pricing/promotions in
actual-time, hastily respond to
customer critiques, and so on. Is what
differentiates fundamental champions
from the relaxation?
E-trade enablers
The returned stop additionally
needs to be strong and agile for
prevailing online. Assisting structures,
information, and reporting
infrastructure, automated actual-time
decision-making enablement are all
essential to a success online business.
E- Commerce An The New Normal
E-commerce is the manner
model that shall the firm and
individuals purchase matters over the
internet in which it operates in all four
of the following major market
segments that is a commercial
enterprise to commercial enterprise
customer to customer business to
customer, consumer to commercial
enterprise. Due to this pandemic e-
commerce has performed a main
position in the economy. Every e-
commerce involves concentrated on
the audience, product area of interest,
and staining a crucial location in
connecting customers online.
Data Analysis and Interpretation
Source; Field survey
Table -1 Gender Respondents
S.n
o
Gender Respondents Percent
age
1 Male 91 41%
2 Female 122 55%
3 Other 10 4%
4 Total 223 100
The table -1 is gender total resonance
is 223 male 41%, female is 55% and
other gender is 4%. Finally female is
increased in development of
e- commerce in covid-19 situation.
Table 2 Age Respondents
S.n Age Responden Percenta
41%
55%
4%
0% 20% 40% 60%
Male
Female
Other
1. Gender

2nd
o ts ge
1 Belo
w 18
22 10%
2 19-
30
76 34%
3 31-
40
54 24%
4 41-
50
48 22%
5 51
abov
e
23 10%
6 total 223 100%
The table 2 it is age responses below
18 to above 50 ages, then 19-30 is
34% and 31-40 is 24% it increase in
37 percentages. It is use full to
development of E- Commerce.
Table 3 Qualification Respondents
S.n
o
Qualifica
tion
Respond
ents
Percent
age
1 School 13 6%
2 Diploma 31 14%
3 PG 58 26%
4 UG 64 29%
5 PHD 31 14%
6 Professio
nal
26 12%
7 Total 223 100%
The table 3 is qualification total
responses is223 different
qualifications school, college.
Diploma students and PHD staffs.
Then UG is 29% responses is 64 this
is high level in development of e-
commerce useful to UG and PG
students.
Table 4Occupation Respondents
S.
no
Occupat
ion
Responde
nts
Percent
age
1 Govt.
employe
e
66 30%
10%
34%
24%
22%
10%
0% 10% 20% 30% 40%
Below 18
19-30
31-40
41-50
51 above
2. Age
6%
14%
26%
29%
14%
12%
0% 10% 20% 30% 40%
school
diploma
pg
ug
phd
professional
3. Qualification

2nd
2 Private
Employe
e
72 32%
3 Self-
Employe
e
45 20%
4 Business
Man
24 11%
5 Agricult
ure
16 7%
6 Total 223 100%
Then table 4 is occupation in Govt
employee 30%, private employee
32%, business persons and agriculture
responses total in 223, very low level
is business man and agriculture.
Table 5 Monthly income
Respondents
S.no Inco
me
Responde
nts
Percenta
ge
1 Abov 25 11%
e
12000
2 13000
-
23000
45 20%
3 24000
-
34000
53 24%
4 35000
-
45000
66 30%
5 Up to
50000
34 15%
6 Total 223 100%
The table 5 is monthly income
respondents in above 12000 and up-to
50000 it is low level of monthly
income, 350009-40000 it is 30 % and
24000 -34000 24%. The monthly
income is maximum level.
Table 6 Marital status
30%
32%
20%
11%
7%
0% 10% 20% 30% 40%
Govt. employee
private employeee
self employe
business man
agriculture
4. Occupation
11%
20%
24%
30%
15%
0% 10% 20% 30% 40%
above 12000
13000-23000
24000-34000
35000-45000
upto 50000
5. Monthly income

2nd
Respondents
S.n
o
Marit
al
status
Responde
nts
Percenta
ge
1 Marrie
d
120 54%
2 Single 103 46%
3 Total 223 100%
Then table 6 is marital status single
46% is decreased and married
respondents is 54% it is highly useful
to development of E0 commerce and
useful to Indian economy.
The chart 7 is corona - virus outbreak
affected customers in online shopping
it is increased online shopping 41%,
use online shopping method is 36%
out of total response is 223.
The chart 8 is type of product did you
buy online since the start of the
outbreak is buying type of product
food is 39 % and second increase
percentage is 30%. Then household
item, electronic product, gifts and
luxury goods it is all maximum level
of percentage.
54%
46%
40% 45% 50% 55%
married
single
6. Marital status
41%
7%
5%
36%
10%
0 0.1 0.2 0.3 0.4 0.5
increased online…
stoped online shopping
no effect
7. How has corona - virus
outbreak affected
customer's in online
shopping ?
39%
6%
5%
9%
11%
30%
0% 10% 20% 30% 40% 50%
Food
gifts
luxory items
electronics
household items
clothings
8. Which type of product
did you buy online since
the start of the out break ?

2nd
The chart 9 is point of the outbreak,
how did you purchase online it highly
increased shopping mobile
applications 57%, another options
website on pc, website on tablet,
website on lap top, website on mobile
19%. It is online purchase in covid 19
situation.
The chart 10 is after the end of the
outbreak, do you expect your online
spending on items in increase greatly
it is 60%. Increase greatly 24%,
Decrease slightly 6% and Decrease
greatly 10%. Then best is 60%
increase generally.
The table 11 is kind of purchase do
you prefer inn they expect future
online shopping is 22%, Offline
shopping is 10% and both online and
offline shopping is highly increased 69
% out of 100.
12. Which element influences the most
to purchase online is the respondents
Offer is 31%, price is 28%,and brand
is 19%. Liked one of offer of online
shopping it is best way for increasing
19%
13%
9%
3%
57%
0% 20% 40% 60%
website on mobile
website on pc
website on laptop
website on tablet
apps on mobile
9 . At the point of the out
break , how did you
purchase online ?
60%
24%
10%
6%
0% 20% 40% 60% 80%
Increase greatly
increase sllghtly
decrease greatly
decreass sllghtly
10. After the end of the
out break , do you expect
your online spending on
items ?
22%
10%
69%
0% 20% 40% 60% 80%
online shopping
offline shopping
both
11. What kind of purchase
do you prefer inn the
expect future ?
19%
28%
31%
13%
8%
0% 10% 20% 30% 40%
brand
offer
fast delivery
12. Which element
influnces the most to
purchase online ?

2nd
purchasers.
Table 13 is while shopping for product
in an online store, will you click and
advertisement showing as similar
product at lower price from a
completing store is maybe is 65%.
Table 14 is feel online shopping in
advantages even after the pandemic
the 223 total respondents. Maybe is
75%, yes is 20% and no is 5%. Only
advantage of development of
e- commerce.
SUGGESTIONS
✓ Most of the respondents feel that
some loss of production has
brought about shipping delays on
particular products because of
factory shutdowns. I cautioned
that to reap greater effectiveness
and efficiency, firms should try
and integrate each pastime of the
bodily cost chain with the implicit
one.
✓ This studies states that
corporations can track consumer's
data and come to be privy to their
preferences and therefore, make
focused efforts in meeting their
demand earlier than their
competitors. However this form
of fashion is making customers
sense hazardous approximately
their privacy norms.
✓ 66% of the customers feel on-line
buying is high-quality even after
the pandemic. So, e-commerce
stores can get remarks from the
customers and this could decorate
the exceptional of consumer
relationships inside the
approaching destiny.
65%
8%
6%
15%
5%
0% 20% 40% 60% 80%
may be
definietly
definietly not
probably
probably not
13. While shopping for
product in an online store ,
will you click and
advertisment showing as…
75%
20%
5%
0% 20% 40% 60% 80%
maybe
yes
no
14. Do you feel online
shopping in advantages
even after the pandemic ?

2nd
✓ Respondents emphasized that due
to the payment modifications, the
e-commerce firms have found out
that their customers had been
more at ease making more orders
which has in go back elevated the
organization’s income and client
needs.
CONCLUSION
On this study, our number one
interest is to know how corona virus
spread has affected e-commerce
globally. Cognizance approximately
this topic can countersign better
statistics in humans and deliberation to
how e-commerce business, and
economies of nations tormented by a
corona virus. And how e-commerce
presents opportunity methods for
humans to fulfill their needs. The way
it impacted e-trade might be
encouraging other researchers to
observe extra deeply on this region
inclusive of e-trade traits, the way it
modified by using corona, and destiny
tendencies revolving round it. To
finish, the respondent stated they have
made new routines for the reason that
pandemic outbreak, by means of being
more informative to their customer
and sending extra links to replace
approximately the delivery delays to
their customers more than earlier than.
In preferred, the respondent said that
covid-19 had impacted the firm
negatively in addition to arbitrarily.
REFERENCES
1) Hashanah, m. W., house, a.,
shisha, f. A., Anwar, m., Hamid,
a. B. A., & tat, h. H. (2020). The
impact of coronavirus (covid-19)
on e-commercial enterprise in
Malaysia. Asian journal of
multidisciplinary studies, three
(1), 85-90. This preprint studies
paper has not been peer reviewed.
Digital reproduction to be had at:
https://ssrn.com/summary=38283
98
2) Keen, p. And Ronald w. (2013).
Value architectures for digital
business: beyond the business
model. Miss quarterly, 37(2),
pp.643-647.
3) Https://www.bigcommerce.com
4) covid-19-
ecommerce/#understanding-
panic-buying-an d-coronavirus
5) Https://www.ey.com/en_in/covid-
19/ecommerce-during-covid-19-
preparing-for-now-next-a nd-
beyond
6) Who coronavirus disease (covid-
19) dashboard. From
https://covid19.who.int/?gclid=cj
0kcqjwln32brccarisadz-

2nd
GREEN BUSINESS OPPORTUNITIES FOR SERVICE INDUSTRY
SCENARIO
Dr.Md.S.Rahaman
Senior Faculty The PG Department of Business Administration, P.B. Siddhartha
College of Arts & Science, Vijayawada,Andhra Pradesh, Email:
mdsrahaman2008@gmail.com Mobile: 9866965767
Dr.J.Durgaprasad
Senior faculty, Department of Business Administration, P.B. Siddhartha College of
Arts and Science, Vijayawada.Mobile:9848515628. Email: prasadjavaji@gmail.com
Abstract
While many are capital
intensive, green industries are just
getting started and have huge growth
rates. It takes a lot of capital to
manufacture eco-friendly products and
technology, but smaller players can get
into the business through becoming
installers or servicers for personal or
business. As more and more
consumers express concern about
environmental toxins, opportunities
increase for entrepreneurs interested in
providing greener and safer
alternatives. Environmentally friendly
services are popping up all over the
country driven by an increased interest
in avoiding toxic chemicals, many of
them available as franchises. Eco
entrepreneurs are having eco-friendly
business opportunities and numerous
innovative ideas to start up.
Ecopreneurs have the strong ability to
protect their innovations from any
form of acquisition by large
corporations and multinational
institutions that hardly pay any form of
recognition to the originators of these
innovative ideas.
Key words: Green Industries,
Ecopreneur, eco-friendly products,
Innovative ideas.
Introduction
Because of the emerging
attention and popularity of
environmental strategies within
companies over the last couple of
decades, a growing amount of research
is done on this topic. The main focus
of these researches is on large
companies, because they are
considered the main polluters.
However, smaller entrepreneurial
companies are of great interest
regarding this topic. Entrepreneurship
is about opportunity seeking and
innovation, while environmental
strategies are considered one of the
opportunities of this century and

2nd
innovation is often considered to be
the pre-requisite for sustainable
development. The expectation is that
the commercial ecopreneur would be
more successful in economic terms,
because he or she chooses for greening
its business because there seems to be
a market opportunity there and because
he or she has a better ability to
generate capital and understanding of
the importance of strategic planning.
Currently, companies are
becoming increasingly aware of their
impact on the environment, mainly due
to increased regulations, research and
media attention. Moreover, they also
became aware of the effect global
warming. The increased awareness of
people’s impact on nature also caused
consumers to increasingly value
environmental progress in companies
as well as eco-friendly products, and
they are often willing to put a price on
that. The consumers are willing to pay
more for eco-friendly products, which
presents a substantial market niche
Companies voluntarily adapt
environmentalism because they can
benefit from this, through:
• Operational improvement, which
reduces costs of inputs, waste and
energy;
• Anticipating and influencing
climate change regulations;
• Accessing new sources of capital,
because most governments
introduced or are currently
introducing financial
incentives to reduce greenhouse
gasses;
• Improving risk management.
Greenhouse gas reductions can
reduce the risk of natural
• disasters caused by greenhouse
gas emissions, as well as risks
related to unexpected expenses
with regulations, fines, taxes on
products and processes that
produce greenhouse gasses;
• Improving corporate reputation;
• Identifying new market
opportunities. By reducing the
company’s regulatory burdens
• Enhancing Human Resource
Management. Employees tend to
prefer green companies as their
employer, which should increase
the attractiveness and lower the
recruitment costs of green
businesses. Thereby,
environmentalism within a
company can have a positive
effect on a company’s morale,
which could positively influence
employee retention rates.
Ecopreneurship
Ecopreneurship is a, a
combination of ’ecological’ and

2nd
’entrepreneurship’. Ecopreneurship
will be focused on start-up companies
as well as on market opportunities and
innovations. ”Ecopreneurship is about
the recognition of environmental
opportunities and innovation; a
combination of competitive advantage,
commitment, and doing the right thing
for the environment. Ecopreneur are
individuals within startup companies
who identify environmental
opportunities, resulting in operational
efficiencies, new technologies and
products, and collecting the resources
needed to exploit these opportunities.”
It must be recognized that ecopreneurs
can have different motivations to start
up a green business. Some will do it
out of their own believes, while others
are more focused on market niches and
opportunities
Reason Of Ecopreneur Initiative
• To promote young entrepreneurs
creative initiatives
• To increase employment
opportunity and support suitable
lob creation
• To open new market for eco-
friendly business and
environment friendly technology
• To add value for green economy
• To create international
collaboration for eco mission
• To promote leadership ability for
young people
• To add value determine priority
economy sector
• To improve SME creation and
their role in economy
• To create ecopreneur climate and
culture
• To have an opportunity to
develop business idea
• To expose talent and creative
mind
• To bring new opportunity for eco
• To raise entrepreneurial skills
and opportunity to incubation
• To create new possibilities for
international collaboration
• To improve rival abilities
• To getting start up business and
fundamental experience
• To increase intellectual self-
evaluation
Opportunities for Service Industry
Ecopreneurship
Every day is an opportunity to
make better decisions, especially those
that result in greener and smarter
choices for your health and the
environment. Ecopreneurs lead green
technology innovation and utilization
in the workplace because they are
aware of the positive impacts on the
environment. Many of the trends in
green workspaces are not just

2nd
beneficial for the environment, but
save money and improve employee
health. Ecopreneurs are not only
interested in building companies and
collecting profit, they also work to
secure a more sustainable future and
greener economy
Ecotourism and Sustainable Travel
Business
The trends for traveling and
tourism is leaning toward more
experiential and diverse experiences,
and less toward group tours and mass
travel experiences, so starting an
ecotourism business is one way to help
people get the travel experiences they
desire, while making a living and
making a difference. The concept of
this green business idea is similar to
travel agents in the traditional sense.
In an ecotourism business, however,
you can guide travelers to an eco-
friendly trip and introduce them to
eco-tourism destinations that they may
not otherwise be aware of. Sustainable
travel and ecotourism might include
some alternative forms of
transportation that have lower carbon
footprints, more Eco tours, travel to
sustainable agriculture destinations,
human-powered trips such as bike
touring or backpacking, boat housing
back waters National Parks and other
wilderness preserve destinations, and
visits to places like Costa Rica, New
Zealand, Kerala (India) and Iceland
that traditionally rank very well in
national sustainability indexes. We
have the opportunity to appeal to a
growing spirit of sustainable learning
too by sending eager learners on
adventures on the farm as agri-tourists.
Eco-Friendly House Cleaning
Service
Interest in green and eco-
friendly cleaning options, whether
from chemical sensitivities or allergies
or just wanting to live a more
sustainable life, has more people
looking for eco-friendly house
cleaning services. A green house
cleaning service cleans homes using
healthy, environmentally friendly
cleaning products, usually on a weekly
or bi-weekly basis. It is not glorious,
glamorous, or high tech, but provides
one of the great opportunities for
aspiring entrepreneurs with a solid
service ethic to really “clean up” in a
business with low startup costs and
high potential returns. One of the
major benefits to this kind of business
is that conventional cleaning solutions
can produce noxious fumes, especially
when combined with fumes from other
chemical-based cleansers. This leads
to chronic health conditions for
workers in conventional cleaning

2nd
services and potentially for the
occupants of the home. Thus, it is
healthier for ecopreneurs and
employees, and a major selling point
for business.
Organic Day Spa
An organic day spa provides
personalized service for health and
relaxation. These might include
massages (Thai, deep tissue, Swedish,
etc.), facials, manicures, pedicures,
waxing, and saunas. Organic day spas
do these services without the
traditional use of chemicals, and the
most holistic of spas not only use
organic oils, creams and other personal
products, but also supply organic tea in
the waiting room, soy candles with
non-lead wicks, and other touches of
healthy, sustainable luxury. Those who
want to join a fast-growing segment of
the hospitality industry, while also
supporting the organic beauty
products movement, and then a day
spa that specializes in using products
with only natural and organic
ingredients could be the potential
business.
Event Planning
When events or parties are
held, it results in a lot of waste that
could take a long time to decompose
wherever they are dumped. There is
also the issue of high consumption of
water during parties. We can start an
event planning business that would be
focused on helping people hold parties
in an environment-friendly way.
.Ecopreneurs also concentrate on
resource management, waste
management, client relationship
management, cultural and traditional
aspects etc.; to grab the opportunities
in service business.
Clean Technology – Current Status
and Opportunities in India
India accounted for 4 percent
of global investment in clean energy,
and sixth among the world’s 20
leading economies in attracting funds
to build clean energy infrastructure.
India today stands among the top four
countries in the world in terms of
renewable energy capacity and it offers
some attractive incentives in this area.
Wind: Companies can take advantage
of India’s wind energy market, which
is one of the world’s largest as India
imports wind turbines, windmill
blades, wind battery chargers, wind
energy converters etc.
Hydro: The hydropower generation
potential for India is 300,000 MW out
of which only 145,000 MW can be
exploited due to limited resources and
difficult geographical terrain.
Waste to Energy: The GOI has

2nd
developed a National Master Plan for
Development of Waste to Energy in
India. The GOI estimates that the
potential to generate power from
municipal solid waste will more than
double by 2020, while the potential
from industrial waste is likely to
increase by more than 50%. In a
country with high population density
and limited landfill capacity, waste to
energy power generation is a major
priority.
Solar: India has embarked upon a $19
billion plan to produce 20GW of solar
power by 2022.
Conclusion
Indeed, “going green” is the
big news on the media these days. In
fact, it’s one of the hottest trends now
with lots of new opportunities and this
trend still has a lot of growth potential
because people are just becoming
aware of the need to be eco-conscious
and friendly. The whole eco-friendly
buzz was borne out of the need to
protect our planet from pollution and
global warming. While technological
advancement has been good to us and
made life easier, it also has its negative
effects just like everything else in the
world. Technology has brought about
some damages to our environment that
we have to make conscious efforts to
eliminate. The awareness of the need
to preserve the ecosystem is rapidly on
the increase; and consumers are
switching over energy saving and cost
saving products, for greater
convenience and health benefits.
References
1. Holger, Ecopreneurship and
competitive strategies. Managing
the Business
2. Kainrath, Ecopreneurship in
theory and practice: A proposed
emerging
3. Schaper, M. Introduction: the
essence of Ecopreneurship.
Greener Management
International.

2nd
VISUAL MERCHANDISING AND IT’S ROLE IN RETAILING
S.ARAVIND KRISHNAN, SREESHMA SREEDHAR ,First year MBA,
Vivekananda Institute of Management Studies
saiaravind1349@gmail.com, 6282346872,
sreeshmashree5@gmail.com, 9544061944,
ABSTRACT:
Visual merchandising is a
means used to attract customers, keep
them in-store to make planned and
impulse sales .The main purpose of
the study was to understand how
visual merchandising influences
customer attention. Visual
merchandising helps the customer
visually to find out the most attractive
brand. Visual merchandising helps the
customer to have a very good
experience while shopping. The study
mainly focuses on four important
factors of visual merchandising i.e.,
store layout, window display, colour
and lightning and store interior and
how its influence the attraction of
customer. This research study was
approach by mixed methods. The
value of the research study lies in its
contribution to the development of
strategic visual merchandising
elements that can be used in the retail
strategies of apparel retails.
Incorporating visual merchandising
proficiency and thus have greater
impact on store design and layout, as
well as when designing and planning
new stores.
The main purpose of this paper
is to define what visual merchandising
elements make the highest impact on
consumer buying behavior.
Keywords: Visual merchandising,
Factors, Retailing, Strategy.
Introduction
marketing practice that uses floor
plans, color, lighting, displays,
technology, and other elements to
attract customer attention. Its ultimate
purpose is to use the retail space to
generate more sales by making a store
stand out and attracting shoppers.
Visual merchandising is the
next big idea for retail.VM helps in
maintaining the overall image of a
retail store in the customers mind.
Visual merchandising plays an
important role to bring shoppers inside
the store and make them purchase
clothes. It is the art of presentation
whereby visual merchandiser
conceptualizes designs and
implements window and inshore
displays for retail stores. Earlier
retailers used advertising as the only

2nd
media to attract customers to the store.
Today each retailer creates a
distinctive image based on its retail
strategy. The retailers are trying to
pull more and more consumers
towards them by providing consumers
the advantage of good price, quality,
availability of the product, a good
product mix, [i.e. which covers all
segments e.g. kids, ladies, men’s,
home furnishing, bed and bath,
cosmetics, perfumes, and other
accessories, etc.], a wide spectrum of
brands [e.g. casual, formal and ethnic,
domestic, international, etc.] along
with good service.
Objectives of visual merchandising
Increase sales
One of the primary goals of
visual merchandising is to increase
sales. The main idea behind visual
merchandising is to make sales. It will
validate our creativity and efforts.
Increase in sales measures the
effectiveness of your visual
merchandising displays. It is not
enough to make it look attractive. It
needs to be engaging and innovating
enough to impact customers purchase
decision. It should be powerful enough
to drive more sales that will contribute
to the success of your business. Visual
merchandising is an investment, so
performance is based on its return.
Express brand identity. Visual
merchandising helps you to stand out
from your competitors, attract
Create a recall value
It is not enough you do all VM
techniques that you can find in rule
book. You need to know how to break
them to create a long lasting impact
and recall value. VM make a customer
an emotional impact when he or she
enters into the store. By seeing the
display or layout the customer buy the
product even though it is not required
at the moment
• Give your product a story
Story shapes how we think, it
affects our decision. Hence, your
product should be displayed with
stories to have an emotional impact on
your customers that will affect their
purchase decisions.
• Attract customers with
innovative and creative display
The primary object of VM is to
attract customers. You want to
welcome them inside the stores with
innovative and creative VM displays,
then define their purchasing decisions
with how engaging and captivating
you’re in store visuals.
Why visual merchandising is
important:
Investing in virtual
merchandising helps customers have a
better shopping experience, serves as a

2nd
powerful marketing tool for your
company and enhances customer
loyalty. But it is also comes with down
sides.
Advantage of VM
• VM can increase the amount of
customers who notice and enter
your retail business.
Merchandising should start
outside where customers first see
your premises. If they like what
they see and enjoy the experience
you create inside this should
motivate them to return to your
store.
• Effective VM can have clear
and positive effect on retail
sales. Clear prizing, well stocked
shelves, simple displays and
prominent sales sings can help
drive profits while improving the
shopping experience for your
customers.
• A creative approach to
merchandising can help you to
get more out your space without
the need for expansions or
renovations. The layout should
flow easily and displays you want
to highlight. Your customers will
begin to associate your clear and
attractive merchandising with a
positive shopping experience.
This should encourage them to
return.
• If the products that are difficult to
sell, clever visual merchandising
could visual merchandising could
help you to market them without
having to reduce their price.
Similarly, you can place low-
priced items in less prominent
sports to encourage the sale of
high margin items.
• The breakup of the population
urban and rural wise – further
bifurcation of the male and
female population.
• This research is essential to
conclude which market to target.
There is definitely a market in the
urban sector but the rural sector is
a fast-growing market. The
retailer will complete his
expansion plan by establishing
stores in phases, phase I is ‘A’
cities, phase II is ‘B’ cities, phase
III is ‘C’ cities, and so on.
• The breakup of the population
varies on the age and gender-
wise- i.e. of kids, youth, middle
age, old population further
bifurcation male and female
population-wise.
• This research is essential to
conclude what is the ratio of the
population and how many and

2nd
types of brands to establish to
cover the target consumer.
• The level of literacy-bifurcation
state wise. The literacy rate is
equated to employment.
• This research is essential to know
the total spending power of a
particular area so that the
products offered are instead of the
spending power.
• The level of literacy gender-wise
bifurcation of the male and
female population.
the ratio of the spending power so
that the retailer can conclude how
many brands to establish gender-
wise. The household income –
bifurcation city wise, state wise.
the spending income per home,
how much is spent by each family
on essential and luxury products.
For example: After analyzing this
data [of the target consumer] the
retailer may conclude how many
brands per segment he wants to
launch. The retailer may conclude to
establish 22 brands as given below:
The Kids Population: To establish 3
brands, as the population of this
segment is not high and the general
mentality is to buy fewer clothes for
children as they are ever-growing.
The Women Population: To establish
9 brands, increased economic
independence of women and the
increase in literacy rate has led to
increasing in their spending power.
Women also like more to have a large
spectrum to choose from.
Men population: To establish 4
brands to cover the population.
Youth Population: To establish 6
brands of youth brands as the youth
population have the spending power
and are willing to experiment with
fashion. It large segment that will have
economic potential.
These brands are further classified into
casual, formal, ethnic, fusion, etc. The
retailer will set up his store in an area
accessible to his target customer. The
visual merchandiser understands as
per the brand allocation that the
retailers preferred category is first is
women’s, second youth, third men’s,
and fourth kids. The visual
merchandiser will highlight segments,
allocate space, plan and
execute merchandise display, and
allocate this budget according to this
preference.
Promotional Strategy:
The retailer strategy is also
promotional driven. The visual
merchandiser plans and executes all
these promotional programs. The loyal
customers represent 20% of the

2nd
retailer’s base and contribute 50% of
its total sales;this becomes a big
segment for a retailer to continuously
tap to generate sales. The promotional
strategy is planned and executed by
identifying the valued customer by a
collection of data from various
avenues and understanding their
requirements in terms of product style,
price, and quality, etc. To increase the
consumer base and retain them,
customer service and loyalty
programs, advertising, in-store sales
programs, and discounts are carried.
Festive programmers and contribution
to the social cause are also carried out.
Components of Visual
Merchandising:
It is through visual
merchandising that an image is created
as per the retailer’s strategy and the
same image is replicated in all the
stores by the visual merchandiser by
using elements of layouts, ambiance,
and atmosphere in such a way that the
entire shopping experience is an
enjoyable for the consumer and sales
are executed. In short, the role of
visual merchandising is placing the
goods in the store in such a way that it
is made accessible, attractive to the
customer for procuring sale.
The store is the workplace of a
visual merchandiser. A store is a place
that reflects the strategy and image of
the retailer. It is a culmination of all
his efforts. It is here that the
consumers see the products and
decides to buy. From the customer
feedback received from the store,
products are designed, purchased,
produced, and distributed. The sales
team in the store act in the interest of
the customer and accordance with the
environmental and corporate social
responsibility norms and objectives
lay down by the retail company. The
store complies with all the laws of the
city/country it is located in.
Stores Design:
The visual merchandiser’s
function is to plan the store design
according to the image of the retailer.
The objective of a good store design is
to provide space for the consumer to
move, the fixture should be flexible
[movable] and cost should be
controlled. The store design and image
of ‘BARISTA’ are created to match
their targeted consumer [15-60 yrs]
whereas ‘COFFEE CAFÉ DAY’ store
design and image match their target
customer youth [14-29yrs].
The exterior of store design and
Interior of Store design:
The exterior elements of the
store design draw the customer to the
store. The exterior element is the

2nd
combination of the location, parking,
and ease of access, frontage, and
display space, health, and safety
provisions. The interior element of the
store design is a function of the
fixtures flooring, ceiling, lighting, and
signage used to create a look. The
layout is meant to aid the movement
and the flow of customers.
Store Layout:
The retailer and visual
merchandiser conclude which layout
best suits their purpose of effective
utilization of space and achieve
maximum productivity and exposing
the customer to all the products in the
store. Three layouts are available to
choose from that are typically used in-
store design. They are known as
1. The Grid Layout,
2. The Loop (Racetrack) Layout.
3. The Herringbone Layout
What is the purpose of visual
merchandising?
marketing practice that uses floor
plans, colour, lighting, displays,
technology, and other elements to
attract customer attention. Its ultimate
purpose is to use the retail space to
generate more sales by making a store
stand out and attracting shoppers.
Brand Loyalty
Improving the customer
experience in retail stress with the use
of visual stores with the use of visual
components can lead to greater sales
and more customer satisfaction.
Suppose you are promoting a beauty
product. Enticing the younger
generation to purchase your products,
through the placement of banners and
beautiful product displays, will help
generate awareness and brand
recognition. Contrary to this if you
own a cosmetic brand and your target
customers are of a mature age, then
tailoring visual merchandise in a
manner that appeals to them becomes
extremely vital. Using specific
strategies your customer will better
understand your brand. Brand loyalty
will lead to repeat purchases and loyal
customer base.
Conclusion
Visual merchandising is an
important feature in today’s retail
design sector. A store which doesn’t
display its merchandise well and
doesn’t speak well about it show that,
it doesn’t have a good visual
merchandising in the store. These days
the sale of merchandise is only based
on how much the store keepers
visualize the products and gather the
attention of the customers. Visual
merchandising is hence a very
important aspect in the current era for

2nd
the best display and sale of products in
a best way to achieve maximum profit.
The store even loses attention from the
passer buys and it won’t be able to
grab clients and hence, may end up in
loss too. Hence, Visual merchandising
is a very important factor in the
business of a retail shop and even in
the design of store too.
REFERENCES:
• Bell, J. &Ternus, K. 2006. Silent
selling. 3rd ed. New York:
Fairchild Publications.
• Bhalla, S. &Anuraag, S. 2010.
Visual merchandising. New
Delhi: McGraw Hill.
• Braun, V. & Clarke, V. 2006.
Using thematic analysis in
psychology. Qualitative Research
in Psychology, 3: 77-101.
• Cant, M. C., Brink, A. &Brijball,
S. 2006. Consumer behaviour.
Cape Town: Juta.
• Cant, M. C., Van Heerden, C. H.
&Ngambi, H. C. 2010. Marketing
management: A South African
Perspective. Cape Town: Juta.
• Kardes, F. R., Cline, T. W.
&Cronley, M. L. 2011. Consumer
behaviour: Science and practice.
China: South-Western.
• Levi, E. & Weitz, S. 2009.
Retailing management. 7th ed.
New York: McGraw Hill.
• Mathew, R. 2008. Apparel
Merchandising. New Delhi: Book
Enclave.
• Statistics South Africa. 2010.
Mbalo Brief – Educational article
on retail trade. [Online] Available
from: Statistics South Africa:
http://www.statssa.gov.za/newslet
ters/Mbalo_brief_December_201
0.pdf [Accessed: 2011-02-25].
Retail trade sales. Statistical
release P6242.1. December.
Pretoria: Statistics South Africa.
Retail trade industry – November
2012. Statistical release P6242.1.
November. Pretoria: Statistics
South Africa.
• Tesch, R. 1990. Qualitative
research analysis tapes and
software tools. New York:
Wordsworth.
• Tustin, D. H., Ligthelm, A.,
Martins, J. H. & Van Wyk, H De
J. 2005. Marketing research in
practice. South Africa: ABC
Press.
• Zikmund, G. &Babin, B. J. 2010.
Exploring marketing research.
10th ed. China: South Western.

2nd
CUSTOMER AWARENESS ON DIGITAL TRANSFORMATION IN
BANKING OPERATIONS: AN ANALYTICAL STUDY WITH SPECIAL
REFERENCE TO THIRUMITTACODE PANCHAYATH
Ms. Athira P S
Assistant professor,Department of commerce,St. Aloysius College,
Elthuruth,Thrissur, Kerala– 680611, Email: apsathira1996@gmail.com ,
Mob: 8138082651
Ms. Reshmy N S
Assistant professor, Department of commerce,St. Aloysius College, Elthuruth
Thrissur, Kerala– 680611 , Email: reshmyns7@gmail.com, Mob: 8075678278
Abstract:
In recent years, Digitalization
has grasped almost whole of the
world. The Indian banking sector, at
present is witnessing an IT revolution
and is heading towards digitalization.
However, current phase of IT
revolution is more intense and
impactful, which probably has the
potential to change not only the
banking landscape, but the overall
structure and direction of the
economy. The modernization of
banking sector, after the introduction
of IT and internet has benefitted both
the customers as well as banks. The
banking now is not just limited to
transactions in the branches, but it has
made its way into hand held devices
like smart phones and tablets. The
Overall objective of the present study
is to understand the Recent Digital
Transformations in Banking
Operations and the Awareness and
preferences of customers regarding the
same.
Key words: Digitalization, Banking
Operations, Customer Awareness
Introduction:
Financial sector is one of the
main pillars of economic growth of a
country and Banks are considered the
most important part of it. The
economic growth and development of
any country is influenced by the
development of its banking sector. In
the present scenario, everywhere there
is the need of technology. Banks in
India have witnessed a radical change
from conventional banking to digital
banking. However, it is essential to
understand the customer awareness
regarding the Digital Transformations
of banking operations. It deals with
whether the customer is aware of or
not aware of the products or services,
their characteristics, substitutes etc.

2nd
Awareness regarding products/
services makes the customer capable
to get most from what he buys, get
more choices, more understanding and
safety. Digital banking includes
Mobile banking, Internet banking,
Automatic teller machine etc. If the
customers use Digital banking
services, it is easy to transfer the fund.
It ensures accessibility (24 hours),
user-friendliness, safe and secure. And
Advertisement plays a major role in
making people aware of Digital
banking like Ad in the newspaper, Ad
in television, Notice etc. Digital
banking is considered as a powerful
tool for promoting business. Hence,
this study is an attempt to study the
customer awareness of Digital
Banking services.
Review of Literature:
Sadique K M and Sankar M
S (2009) conducted a study aiming at
evaluating the service quality of
internet banking (e-banking) services
in India from customer's perspective.
A structured questionnaire containing
44 quality items is administered to
various target groups. Seven quality
dimensions, viz. reliability,
accessibility, user-friendliness,
privacy/security, efficiency,
responsiveness and fulfilment were
also identified based on principal
component factor analysis. The results
of the study showed that customers
were satisfied with quality of service
on dimensions such as reliability,
accessibility, privacy/security,
responsiveness and fulfilment, but
least satisfied with the 'user-
friendliness' dimension.
Trivedi and Remedios (2014)
this research explained the Impact of
Internet banking on customer retention
plainly demonstrate that internet
banking holds customers. On the off
chance that the bank intends to expand
the customer base of internet banking
they should concentrate more on
service quality, responsiveness,
protection and security, affirmation
and dependability elements of internet
banking. All the more ever the bank
ought to be more mindful to make
their internet banking service greater
quality full for their customers.
Rahul Golden S. (2017)
explained that banks always try to
adopt latest technologies to enhance
customer experience. He further
explained that due to the adoption of
this digitalization, the banking sectors
in India face some remarkable changes
as well as hurdles.
Santiago Carbo - Valverde
(2017) attempted to discuss the impact
of digitalization on banking activities
and challenges that imposes for

2nd
financial stability. They also found
that, digitalization is an opportunity to
reduce marginal costs and increase
productivity in financial services.
Shettar Rajeswari. M (2018)
focuses that, digital banking is having
enormous potential to change the
landscape of financial inclusion. They
also found that, with the features as
low cost, easy use digital banking can
accelerate the integration of unbanked
economy to the mainstream.
K. Suma valley and K. Hema
Divya (2018) focused on their analysis
of the adoption level of the digital
payment systems by customers and
also found the deployment of
technology for digital payments have
improved the performance of banking
sector and able to achieve the motive
cash less country.
Objectives of the Study:
• To study the customer satisfaction
on recent digital banking services
provided by various banks
• To understand the level of
Customer awareness about the
Digital services of banks.
• To know whether there is an there
is association between customer
satisfaction in digital
transformations and increment in
the customers of cashless
payments
Research methodology
The study is based on both
primary and secondary data. The
analytical research design is used to
find out the association between
customer satisfaction and Digital
Transformations of Banking services.
The target population is taken as all
the residents of Thirumittacode
Panchayat - Palakkad District, Kerala.
Convenience sampling method is used
to select 100 customers of various
banks as the respondents. The data
was collected by conducting a survey
using questionnaire that was designed
to collect information regarding the
customer awareness about the digital
banking facilities provided by various
banks especially PNB,Federal bank
,cooperative bank and canara bank and
the Comments of 25 customers from
each bank through open ended
questions were also recorded for
understanding the opinions and
expectations of consumers. Thus, the
questionnaire is both subjective as
well as objective in nature. For data
analysis, chi-square test, descriptive
statistics and pie-charts have been
used.
An Overview of Digitalization in
banking sector
We are familiar with the term
'E-Banking, which is also known as

2nd
Online Banking or Virtual Banking or
Internet Banking. It is a system which
enables banking transactions like
transfer of funds, payment of loans
and EMIs, deposits and withdrawals of
cash virtually with the help of internet
and without having the need to visit
the bank branches. Under e-banking, a
customer can number of get the
benefit of services like Internet
banking, SMS banking, ATMs,
Mobile banking, e-cheques and
debit/credit cards.
Digital banking is another term
which is often used as synonymous to
e-banking. Both the terms are used
interchangeably. But strictly speaking,
digital banking means no or very
minimal use of paper currency.
However, the paper currency is still
very much in use. At present ATMs
are vital part of the banking system,
which facilitate customers in
withdrawal of cash as and when there
is need. A digital economy is one
where cash transactions are very less.
Benefits of Digital Banking
Advancing to a more
technologically sophisticated way of
doing things, it goes without saying
that the benefits long outweigh the
costs. Similarly, digital banking as a
technological by-product aims to make
life easier for the customers of a bank.
Digital banking has the following
benefits:
• Digital banking enables
consumers to perform banking
functions from the comfort of
their homes, be it an elderly
person who is tired of waiting in
lines or a working-class
professional who is caught up
with work, or a regular person
who does not want to visit the
bank’s branch to run a single
errand. It also offers convenience.
• Elaborating on the convenience
offered, digital banking lets a user
carry out banking work around
the clock, with 24*7 availability
of access to banking functions.
• One of the biggest drawbacks of
traditional banking was the overly
placed importance on paper.
Banking has become paperless
with the development of digital
banking as a service. A user can
log into their account at any point
in time to monitor records.
• Digital banking allows a user to
set up automatic payments for
regular utility bills such as
electricity, gas, phone, and credit
cards. The customer no longer has
to make a conscious effort of
remembering the due dates. The
customer can opt for alerts on

2nd
upcoming payments and
outstanding dues.
• Online shopping has become a
cakewalk with payment channels
becoming well-integrated with the
online shopping portals. Internet
banking has significantly
contributed to online payments.
• Digital banking extending
services to remote areas is
seemingly a step toward holistic
development. With smartphones
at affordable prices and internet
access in remote areas, the rural
population can make the most out
of digital banking services.
• Digital banking-enabled fund
transfers reduce the risk of
counterfeit currency.
• With the help of digital banking, a
user can report and block
misplaced credit cards at the click
of a button. This benefit greatly
strengthens the privacy and
security available to a bank’s
customer.
• By promoting a cashless society,
digital banking restricts the
circulation of black money as the
Government can keep a track of
fund movements. In the long run,
digital banking is expected to
lower the minting demands of a
currency.
Digital Product services
Digital
banking
services
Utility
1. Obtain
bank
statements
View and download
Bank Statements
for any specified
period
2. Transfer of
funds
With alternatives
such as NEFT,
RTGS, and IMPS
available, the need
to issue cheques
and DDs has been
eradicated.
3. Mobile
banking
Mobile banking is
Digital banking
through an
application
optimized for
smartphones and
tablets.
4. Cash
withdrawals
ATMs facilitate
cash withdrawals at
any point in time.
Moreover, ATMs
are widely present
in every locality.
5. Bill
Payments
Auto-debit feature
for bill payments

2nd
lets user setup
monthly debits in
favour of regular
utility Payment.
6. Finance Invest, raise loans,
open fixed deposit
accounts - all
through Digital
banking. De-mat
accounts can be
linked to bank
accounts to provide
a seamless flow of
funds so we can
invest promptly.
7. Manage
cheques
Intervene in the
cheque clearing
process using
Digital banking to
stop the cheque if
the need arises.
8. Monitor
transaction
records
Banks send
transactions alerts
to the linked mobile
number or email
addresses.
Transactions are
updated almost as
soon as executed.
Digital banking
also lets us monitor
account balances or
outstanding at the
click of a button.
Types of Digital banking payments:
• Banking cards: Cards are not
only used to withdraw cash but
also enable other forms of digital
payment. Cards can be used for
online transactions and on Point
of Sale (PoS) machines. Prepaid
cards can also be issued by the
banks; such cards are not linked
to the bank account but function
through the money loaded onto
them.
• Unstructured Supplementary
Service Data (USSD): By dialing
the number *99#, mobile
transactions can be carried out
without an application and
internet connection. The number
holds nationwide applicability
and promotes greater financial
inclusion on the ground level. The
service lets the caller surf through
an interactive voice menu and
chooses the desired option on the
mobile screen. The only catch is
the mobile number of the caller
should be the one linked to the
particular bank account.
• Aadhaar Enabled Payment
System (AEPS): AEPS lets the
client initiate banking instructions
following the successful

2nd
verification of the Aadhaar
number.
• Unified Payments Interface
(UPI): UPI is the most trending
form of digital banking presently.
UPI makes use of a virtual
payment address (VPA) so the
user can transfer funds without
entering bank account details or
IFSC code. Another striking
feature of UPI is that the
applications let you consolidate
all your bank accounts in one
place. Funds can be transferred
and received around the clock
with no time restrictions. UPI-
based apps in India are BHIM,
PhonePe, and Google Pay. BHIM
application, in addition to the
transfer of funds to other virtual
addresses and bank accounts, also
lets the user transfer funds to
another Aadhaar number. More
importantly, UPI-based payments
are free of cost.
• Mobile Wallets: Mobile wallets
have eliminated the need to
remember four-digit card pins or
enter CVV details or carry loose
cash. Mobile wallets store bank
account and card credentials to
easily add funds to the wallet and
make payments to other
merchants with similar
applications. Popular mobile
wallets are Paytm, Freecharge,
Mobiwik, etc. Mobile wallets,
however, generally have a limit
on how much can be deposited in
the wallet. A small fee may also
be charged on depositing the
funds from the mobile wallet back
into the bank account.
• PoS terminals: Typically, PoS
machines are portable devices
that read a card to authorize and
complete the payment.
Supermarkets and gas stations opt
for this method of payment.
However, with digital banking
thriving, PoS terminals have
evolved into more than physical
PoS devices. Virtual and Mobile
PoS terminals have surfaced,
which makes use of the mobile
phone’s NFC feature and web-
based applications to initiate
payment.
Internet and Mobile Banking:
Commonly known as e-banking,
internet banking refers to obtaining
certain banking services over the
internet, such as fund transfers, and
opening and closing accounts. Internet
banking is a subset of digital banking
because internet banking is only
limited to core functions. Similarly,
mobile banking is availing banking
services through mobile-based

2nd
applications.
Analysis on the customer
satisfaction on recent digital
banking payments provided by
various banks
Various
banks
Satisfaction
level of
customers
regarding
digital
payments
Percentage
PNB 25 25
Federal
bank
48 48
Co-
operative
bank
9 9
Canara
bank
18 18
Total 100 100
Interpretation
As the above graph reveals that about
48% of customers of federal bank
have satisfied with the digital
transformation in that bank. And only
9% of customers have only satisfied
with the digital transformation in that
bank.
0
10
20
30
40
50
Percentage

2nd
Weighted average mean
Features SA
(5)
A
(4)
N
(3)
DA
(2)
SDA
(1)
Weighted Total Average mean
ATM 50 60 90 18 4 222 2.22
Tele
banking
75 48 30 16 10 179 1.79
Digital
alerts
80 48 24 8 1 161 1.61
Mobile
banking
80 60 18 16 2 176 1.76
E-
banking
73 80 23 35 6 217 2.17
Fund
Transfers
80 12 45 32 14 183 1.83
Plastic
money
64 34 30 45 12 185 1.85
Internet
banking
75 26 54 36 9 200 2
24-hour
services
95 34 87 43 8 267 2.67
Electroni
c bill
payments
67 56 40 26 7 196 1.96

2nd
Interpretation
The above graph shows that
the most important digital services
preferred by the customers are ATM
and 24 hour services. And the least
important digital services are digital
alerts and mobile banking.
Chi-square test: Independence of
two attributes
• H0: There is association between
customer satisfaction in digital
transformations and increment in
the customers of cashless
payments.
• H1: There is no association
between consumer satisfaction in
digital transformations and
increment in the customers of
cashless payments.
Whether or not
customer
satisfied in
digital
transformations
Whether or not
increased the
customers in
cashless payments
Yes No Total
Yes 50 23 73
No 21 6 27
Total 71 29 100
X^2 = (ad-bc) * 2N/ (a+b) (c+d) (a+c)
(b+d)
= (300-483)2*100/
(50+23) (21+6) (50+21)
(23+6)
= 0.82
Level of significance = 5%
Degree of freedom = (r-1) (c-
1) =1
Table value=3.84
Interpretation
Calculated value is less than
the table value. So, we accept the null
hypothesis. That means the customer
satisfaction in digital transformation of
banking operations have made an
increment in the customers of cashless
payments.
Suggestions
Average mean
ATM
Telebanking
Digital alerts
Mobile banking
E-banking

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