International Journal of Business and Management Invention (IJBMI) is an international journal intended for professionals and researchers in all fields of Business and Management. IJBMI publishes research articles and reviews within the whole field Business and Management, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online.
A STUDY ON PERCEPTION OF INTERNET BANKING USERS SERVICE QUALITY - A STRUCTURA...IAEME Publication
The purpose of the study is to identify the perceptions of Internet banking (IB) users in Tamil Nadu using technology acceptance model (TAM) by incorporating service quality as external variable. The study found that both the TAM variables – perceived ease of use (PEOU) and perceived usefulness (PU). A total of 380 questionnaires were distributed for internet banking customers and 336 were returned (resulting 88.42 percentage of response rate). The results confirm that the all six dimensions (Website attribute, Reliability, Responsiveness, Fulfillment, Efficiency and Privacy) are distinct constructs. The results also indicate that internet banking service quality consisting of six dimensions has appropriate reliability and each dimension has a significant relationship with internet banking service quality. The efficiency of banking website is the important aspect of internet banking service quality. The finding found that the relationship between internet banking service quality, perceived ease of use and perceived usefulness are significant. This study proposes a model to understand the effect of internet banking service quality on perceived ease of use and perceived usefulness in developing country. The constructs truly reflect the dynamism of customers’ banking relationship and a better understanding the attitude on internet banking will help the bankers in implementing more effective marketing strategies.
This study aims to determine the effect of brand equity and service quality on the interests and
decisions of workers to become BPJS-Employment participants, and to assess the impact of interest on workers'
decisions. The population in this study is the Jakarta Cilandak BPJS Consumers, both B2B, and individual. It is
totaling 9,359 customers
International Journal of Business and Management Invention (IJBMI) is an international journal intended for professionals and researchers in all fields of Business and Management. IJBMI publishes research articles and reviews within the whole field Business and Management, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online.
A STUDY ON PERCEPTION OF INTERNET BANKING USERS SERVICE QUALITY - A STRUCTURA...IAEME Publication
The purpose of the study is to identify the perceptions of Internet banking (IB) users in Tamil Nadu using technology acceptance model (TAM) by incorporating service quality as external variable. The study found that both the TAM variables – perceived ease of use (PEOU) and perceived usefulness (PU). A total of 380 questionnaires were distributed for internet banking customers and 336 were returned (resulting 88.42 percentage of response rate). The results confirm that the all six dimensions (Website attribute, Reliability, Responsiveness, Fulfillment, Efficiency and Privacy) are distinct constructs. The results also indicate that internet banking service quality consisting of six dimensions has appropriate reliability and each dimension has a significant relationship with internet banking service quality. The efficiency of banking website is the important aspect of internet banking service quality. The finding found that the relationship between internet banking service quality, perceived ease of use and perceived usefulness are significant. This study proposes a model to understand the effect of internet banking service quality on perceived ease of use and perceived usefulness in developing country. The constructs truly reflect the dynamism of customers’ banking relationship and a better understanding the attitude on internet banking will help the bankers in implementing more effective marketing strategies.
This study aims to determine the effect of brand equity and service quality on the interests and
decisions of workers to become BPJS-Employment participants, and to assess the impact of interest on workers'
decisions. The population in this study is the Jakarta Cilandak BPJS Consumers, both B2B, and individual. It is
totaling 9,359 customers
International Journal of Business and Management Invention (IJBMI) is an international journal intended for professionals and researchers in all fields of Business and Management. IJBMI publishes research articles and reviews within the whole field Business and Management, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online.
The aim of this study is to analyze the quality of Internet banking services consisting of
Efficiency, System Availability, Fulfillment, Privacy, Responsiveness, Compensation and Contact with positive
and significant effects partially and simultaneously towards the Customer Satisfaction at Bank in Bandung. The
research method used is associative descriptive method with data collection techniques through questionnaires.
The results showed that the quality of Internet banking services consisting of Efficiency, System Availability,
Fulfillment, Privacy, Responsiveness, Compensation and Contact had a positive and significant effect on
customer satisfaction at Bank in Bandung
A comparative study of service quality evaluation of selected life insurance 172paperpublications3
Abstract: Due to implementation of government policies on globalization and liberalization, the customer have become more critical about the service quality of the product. In the present era, consumers have become more aware about the alternatives available in the market related to the services and service providers. Due to increase in customer awareness, customer expectations are rising and the providers should aware about the expectations of the customer. This study compares customers’ perceptions of service quality of both public and private sector insurance service providers in Rohilkhand Region. The service quality of both public and private sector insurance has been measured through SERVQUAL scale.
Data was collected from 350 respondents (125 of LIC and 75 of each selected private player) of Rohilkhand Region of both public and private sector insurance providers. In this study five parameters of SERVQUAL such as tangibility, reliability, responsiveness, assurance and empathy have been identified that describe criteria used by customers to assess service quality. This study is confined to four major life insurance companies in India.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
ANALYSIS OF FACTORS GOVERNING THE MARKET PRICE OF SHARES FOR SELECTED COMPANI...IAEME Publication
The infrastructure sector has become the biggest focus area for the Government of India. India plans to spend US$ 1.4 trillion on infrastructure during 2019-23 to have a sustainable development of the country. The Government has suggested investment of Rs. 5,000,000 crore (US$ 750 billion) for railways infrastructure between 2018-2030. This paper focuses on the factors governing the market price of the shares in Infrastructure Sector of Companies such as ABB, Abode, Adani, BEML, BHEL. This study has examined the relationship between dependent variables Market Price Per Share (MPS) and independent variables Dividend Per Share (DPS), Earning per Share (EPS), Net Profit Margin (NPM), Return on Equity (ROE) and Return on Assets (ROA). To fulfill this objective the researchers have collected secondary data related to market price and the financial variables of fore said companies. The collected data was analyzed with E-Views and Excel. The research results found that all the financial variables are not having relationship with market price and it has influence in certain aspects.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
A Study on Customer Perception towards Business Innovation Practices in Tiruc...PARAMASIVANCHELLIAH
A STUDY ON CUSTOMER PERCEPTION TOWARDS BUSINESS INNOVATION
PRACTICES IN TIRUCHIRAPPALLI DISTRICT
Dr.C. PARAMASIVAN, Ph.D.
Assistant Professor of Commerce
&
G. RAVICHANDIRAN
Ph.D. Full Time Research Scholar
PG & Research Department of Commerce
Thanthai Periyar Government Arts and Science College (Autonomous)
(Affiliated to Bharathidasan University, Tiruchirappalli)
Tiruchirappalli - 620023.
A Study on Customer Perception towards Business Innovation Practices in Tiruc...PARAMASIVANCHELLIAH
A STUDY ON CUSTOMER PERCEPTION TOWARDS BUSINESS INNOVATION
PRACTICES IN TIRUCHIRAPPALLI DISTRICT
Dr.C. PARAMASIVAN, Ph.D.
Assistant Professor of Commerce
&
G. RAVICHANDIRAN
Ph.D. Full Time Research Scholar
PG & Research Department of Commerce
Thanthai Periyar Government Arts and Science College (Autonomous)
(Affiliated to Bharathidasan University, Tiruchirappalli)
Tiruchirappalli - 620023.
The aim of this study is to analyze the quality of Internet banking services consisting of
Efficiency, System Availability, Fulfillment, Privacy, Responsiveness, Compensation and Contact with positive
and significant effects partially and simultaneously towards the Customer Satisfaction at Bank in Bandung. The
research method used is associative descriptive method with data collection techniques through questionnaires.
The results showed that the quality of Internet banking services consisting of Efficiency, System Availability,
Fulfillment, Privacy, Responsiveness, Compensation and Contact had a positive and significant effect on
customer satisfaction at Bank in Bandung
A comparative study of service quality evaluation of selected life insurance 172paperpublications3
Abstract: Due to implementation of government policies on globalization and liberalization, the customer have become more critical about the service quality of the product. In the present era, consumers have become more aware about the alternatives available in the market related to the services and service providers. Due to increase in customer awareness, customer expectations are rising and the providers should aware about the expectations of the customer. This study compares customers’ perceptions of service quality of both public and private sector insurance service providers in Rohilkhand Region. The service quality of both public and private sector insurance has been measured through SERVQUAL scale.
Data was collected from 350 respondents (125 of LIC and 75 of each selected private player) of Rohilkhand Region of both public and private sector insurance providers. In this study five parameters of SERVQUAL such as tangibility, reliability, responsiveness, assurance and empathy have been identified that describe criteria used by customers to assess service quality. This study is confined to four major life insurance companies in India.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
ANALYSIS OF FACTORS GOVERNING THE MARKET PRICE OF SHARES FOR SELECTED COMPANI...IAEME Publication
The infrastructure sector has become the biggest focus area for the Government of India. India plans to spend US$ 1.4 trillion on infrastructure during 2019-23 to have a sustainable development of the country. The Government has suggested investment of Rs. 5,000,000 crore (US$ 750 billion) for railways infrastructure between 2018-2030. This paper focuses on the factors governing the market price of the shares in Infrastructure Sector of Companies such as ABB, Abode, Adani, BEML, BHEL. This study has examined the relationship between dependent variables Market Price Per Share (MPS) and independent variables Dividend Per Share (DPS), Earning per Share (EPS), Net Profit Margin (NPM), Return on Equity (ROE) and Return on Assets (ROA). To fulfill this objective the researchers have collected secondary data related to market price and the financial variables of fore said companies. The collected data was analyzed with E-Views and Excel. The research results found that all the financial variables are not having relationship with market price and it has influence in certain aspects.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
A Study on Customer Perception towards Business Innovation Practices in Tiruc...PARAMASIVANCHELLIAH
A STUDY ON CUSTOMER PERCEPTION TOWARDS BUSINESS INNOVATION
PRACTICES IN TIRUCHIRAPPALLI DISTRICT
Dr.C. PARAMASIVAN, Ph.D.
Assistant Professor of Commerce
&
G. RAVICHANDIRAN
Ph.D. Full Time Research Scholar
PG & Research Department of Commerce
Thanthai Periyar Government Arts and Science College (Autonomous)
(Affiliated to Bharathidasan University, Tiruchirappalli)
Tiruchirappalli - 620023.
A Study on Customer Perception towards Business Innovation Practices in Tiruc...PARAMASIVANCHELLIAH
A STUDY ON CUSTOMER PERCEPTION TOWARDS BUSINESS INNOVATION
PRACTICES IN TIRUCHIRAPPALLI DISTRICT
Dr.C. PARAMASIVAN, Ph.D.
Assistant Professor of Commerce
&
G. RAVICHANDIRAN
Ph.D. Full Time Research Scholar
PG & Research Department of Commerce
Thanthai Periyar Government Arts and Science College (Autonomous)
(Affiliated to Bharathidasan University, Tiruchirappalli)
Tiruchirappalli - 620023.
Customer Perception towards Service Quality in Indian Telecommunication Industryinventionjournals
Customers are the hearts of any industry. Telecommunication being a service oriented industry always puts priority to find ways of making customers happy and satisfied. Sensing this importance, this study was conducted to determine what makes customers perception towards service quality of Telecommunication Industry. Researchers confined the study within sathyamanagalam, in tamil nadu. A structured questionnaire developed based on previous works was distributed among 100 customers who were selected conveniently for the study. A customer perception model was developed including variables taken from the extensive review of previous literature. Those variables are responsiveness, reliability, assurance, tangibility, empathy, perceived network quality. Model was tested using SPSS, statistical software package, and found personal and market factor, perceived quality, perceived value and company image statistically significant
International Journal of Computational Engineering Research(IJCER)ijceronline
International Journal of Computational Engineering Research(IJCER) is an intentional online Journal in English monthly publishing journal. This Journal publish original research work that contributes significantly to further the scientific knowledge in engineering and Technology
The Impact of Using the Information Technology on the Quality of Health Servi...inventionjournals
International Journal of Business and Management Invention (IJBMI) is an international journal intended for professionals and researchers in all fields of Business and Management. IJBMI publishes research articles and reviews within the whole field Business and Management, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online.
A STUDY ON TECHNOLOGY DRIVEN INNOVATION PRACTICES IN BANKING SECTOR IN TIRUC...PARAMASIVANCHELLIAH
A STUDY ON TECHNOLOGY DRIVEN INNOVATION PRACTICES IN BANKING
SECTOR IN TIRUCHIRAPPALLI DISTRICT
Dr.C. PARAMASIVAN, Ph.D
Assistant Professor of Commerce, ThanthaiPeriyar Government Arts and Science College
(Autonomous)(Affiliated to Bharathidasan University ,Tiruchirappalli )Tiruchirappalli - 620023.
G. RAVICHANDIRAN
Ph.D. Full Time Research Scholar, PG & Research Department of Commerce ThanthaiPeriyar Government
Arts and Science College (Autonomous)(Affiliated to Bharathidasan University , Tiruchirappalli
)Tiruchirappalli - 620023.
A STUDY ON TECHNOLOGY DRIVEN INNOVATION PRACTICES IN BANKING SECTOR IN TIRUC...PARAMASIVANCHELLIAH
A STUDY ON TECHNOLOGY DRIVEN INNOVATION PRACTICES IN BANKING
SECTOR IN TIRUCHIRAPPALLI DISTRICT
Dr.C. PARAMASIVAN, Ph.D
Assistant Professor of Commerce, ThanthaiPeriyar Government Arts and Science College
(Autonomous)(Affiliated to Bharathidasan University ,Tiruchirappalli )Tiruchirappalli - 620023.
G. RAVICHANDIRAN
Ph.D. Full Time Research Scholar, PG & Research Department of Commerce ThanthaiPeriyar Government
Arts and Science College (Autonomous)(Affiliated to Bharathidasan University , Tiruchirappalli
)Tiruchirappalli - 620023
Service sector is flourishing in India and contributing a lion’s share to the economic growth. India’s
services sector includes a wide variety of activities such as trade, hotel and restaurants, transport, storage and
communication, financing, insurance, real estate, business services, community, social and personal services,
and services associated with construction.
Effects of Service Quality, Trust, and Price on The Satisfaction And Loyalty ...inventionjournals
This research aim to be examine and analyze the effect of quality service, trust and price to customer satisfaction in PT. Telkomsel branch of Makassar, and too examine and analyze the effect of quality service, trust and price on customer loyalty in PT. Telkomsel at Makassar. To apply that goal then used data collection technique through documentation and questionnaires, with taking population that costumer of Telkomsel that holds cards simPATI, As, and HALO, this use one year and domiciled in Makassar city which amounts 47.173 people and taking a sampling with propotional random sampling which amounts 180 people and used data analyze technique Structural Equation Modeling (SEM) with used the help of software Amos release 22. The result of research showed that the quality of service give positive and significant impact on customer satisfaction and loyalty. Trust also give positive and significant impact on customer satisfaction and loyalty while price give negative impact on customer satisfaction and loyalty which by increasing. The price by telkomsel through increased credit rates will affect customer’s satisfaction and loyalty. From the result of this research support the old result of this research and supporting theory where overall research variable with indicators that form question in questionnaire all have an impact on customer satisfaction and loyalty although the variables must be through satisfaction to reach customer loyalty and these variables into a unity
customer brand preferance mobile phone.pdf hariharan23900 hariharan 23900
ABOUT THE AUTHOR
Mr. N. Hariharan BCOM CS ., DDTP., DOA., IBM, Currently pursing MBA Firs year at AR SCHOOL OF BUSINESS , Dindigul, Tamil nadu, India, DDTP – Diploma in desk top publishing in computer Software College, vadipatty, Madurai (13 July 2014) year of completed.DOA – Diploma in office automation in success software academy, vadipatty, Madurai (14 July 2016) year of completed. E- Tally - in success software academy, vadipatty, Madurai (12.06.2017) year of completed. IBM- International Business Management European University. Professional diploma programme 23.04.2021
Sakthi Arts and Science College for Women, Ottanchatram, Dindigul. ONE DAY NATIONAL LEVEL SEMIAR ON “STRATEGICAL SKETCHING OF POST PANDEMIC TRANSFORMATION IN INDAN TREND AND COMMERCE” In won paper presentation FIRST PRIZE and Best paper Award at 23.03.2021.
M.G.R Educational and Research Institute, Maduravoyal, Chennai. ONE DAY NATIONAL LEVEL ONLINE SYMPOSIM “MATHEMA 21” in Paper presentation winning 3rd Place At 05.05.2021.
He has published 58 papers published in international journal. Attended 52 webinars, paper presentation in 18 college national and international conference. Then 7 awars World record holder in AMIRTHAM 2021. Main area of specialization Commerce and Management. Finally total certificate is 205 it’s including quiz, webinar, pledge, workshops.
#hariharan23900
#hedunapublication
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Correlate of Service Quality Dimensions and Customer Loyalty in the Nigerian ...IOSRJBM
This study investigated the relationship between service quality dimensions and customer loyalty in the Nigerian Telecom market with particular interest in identifying if customer satisfaction plays a mediating role. Hypotheses were formulated vis-a-vis theoretical background and conceptual models. A survey data generated from 183 experienced telecom customers were used as the research database. The study utilized SERVPERF measuring scale for adaptability and Correlation techniques in analyzing the data. Basically, it was discovered that the empathy dimension of service quality has a strong and positive relationship with customer loyalty and customer satisfaction. The implication is that people crave contacts and are highly likely to be loyal to that service provider that gives them individualized attention in a service that is characterize by low contact between service provider and customers
Personal Brand Statement:
As an Army veteran dedicated to lifelong learning, I bring a disciplined, strategic mindset to my pursuits. I am constantly expanding my knowledge to innovate and lead effectively. My journey is driven by a commitment to excellence, and to make a meaningful impact in the world.
Affordable Stationery Printing Services in Jaipur | Navpack n PrintNavpack & Print
Looking for professional printing services in Jaipur? Navpack n Print offers high-quality and affordable stationery printing for all your business needs. Stand out with custom stationery designs and fast turnaround times. Contact us today for a quote!
Improving profitability for small businessBen Wann
In this comprehensive presentation, we will explore strategies and practical tips for enhancing profitability in small businesses. Tailored to meet the unique challenges faced by small enterprises, this session covers various aspects that directly impact the bottom line. Attendees will learn how to optimize operational efficiency, manage expenses, and increase revenue through innovative marketing and customer engagement techniques.
Digital Transformation and IT Strategy Toolkit and TemplatesAurelien Domont, MBA
This Digital Transformation and IT Strategy Toolkit was created by ex-McKinsey, Deloitte and BCG Management Consultants, after more than 5,000 hours of work. It is considered the world's best & most comprehensive Digital Transformation and IT Strategy Toolkit. It includes all the Frameworks, Best Practices & Templates required to successfully undertake the Digital Transformation of your organization and define a robust IT Strategy.
Editable Toolkit to help you reuse our content: 700 Powerpoint slides | 35 Excel sheets | 84 minutes of Video training
This PowerPoint presentation is only a small preview of our Toolkits. For more details, visit www.domontconsulting.com
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Cracking the Workplace Discipline Code Main.pptxWorkforce Group
Cultivating and maintaining discipline within teams is a critical differentiator for successful organisations.
Forward-thinking leaders and business managers understand the impact that discipline has on organisational success. A disciplined workforce operates with clarity, focus, and a shared understanding of expectations, ultimately driving better results, optimising productivity, and facilitating seamless collaboration.
Although discipline is not a one-size-fits-all approach, it can help create a work environment that encourages personal growth and accountability rather than solely relying on punitive measures.
In this deck, you will learn the significance of workplace discipline for organisational success. You’ll also learn
• Four (4) workplace discipline methods you should consider
• The best and most practical approach to implementing workplace discipline.
• Three (3) key tips to maintain a disciplined workplace.
Kseniya Leshchenko: Shared development support service model as the way to ma...Lviv Startup Club
Kseniya Leshchenko: Shared development support service model as the way to make small projects with small budgets profitable for the company (UA)
Kyiv PMDay 2024 Summer
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"𝑩𝑬𝑮𝑼𝑵 𝑾𝑰𝑻𝑯 𝑻𝑱 𝑰𝑺 𝑯𝑨𝑳𝑭 𝑫𝑶𝑵𝑬"
𝐓𝐉 𝐂𝐨𝐦𝐬 (𝐓𝐉 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬) is a professional event agency that includes experts in the event-organizing market in Vietnam, Korea, and ASEAN countries. We provide unlimited types of events from Music concerts, Fan meetings, and Culture festivals to Corporate events, Internal company events, Golf tournaments, MICE events, and Exhibitions.
𝐓𝐉 𝐂𝐨𝐦𝐬 provides unlimited package services including such as Event organizing, Event planning, Event production, Manpower, PR marketing, Design 2D/3D, VIP protocols, Interpreter agency, etc.
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⭐ 𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐝 𝐩𝐫𝐨𝐣𝐞𝐜𝐭𝐬:
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➢ WOW K-Music Festival 2023
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"𝐄𝐯𝐞𝐫𝐲 𝐞𝐯𝐞𝐧𝐭 𝐢𝐬 𝐚 𝐬𝐭𝐨𝐫𝐲, 𝐚 𝐬𝐩𝐞𝐜𝐢𝐚𝐥 𝐣𝐨𝐮𝐫𝐧𝐞𝐲. 𝐖𝐞 𝐚𝐥𝐰𝐚𝐲𝐬 𝐛𝐞𝐥𝐢𝐞𝐯𝐞 𝐭𝐡𝐚𝐭 𝐬𝐡𝐨𝐫𝐭𝐥𝐲 𝐲𝐨𝐮 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐚 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐨𝐮𝐫 𝐬𝐭𝐨𝐫𝐢𝐞𝐬."
Premium MEAN Stack Development Solutions for Modern BusinessesSynapseIndia
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Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
3.0 Project 2_ Developing My Brand Identity Kit.pptxtanyjahb
A personal brand exploration presentation summarizes an individual's unique qualities and goals, covering strengths, values, passions, and target audience. It helps individuals understand what makes them stand out, their desired image, and how they aim to achieve it.
Memorandum Of Association Constitution of Company.pptseri bangash
www.seribangash.com
A Memorandum of Association (MOA) is a legal document that outlines the fundamental principles and objectives upon which a company operates. It serves as the company's charter or constitution and defines the scope of its activities. Here's a detailed note on the MOA:
Contents of Memorandum of Association:
Name Clause: This clause states the name of the company, which should end with words like "Limited" or "Ltd." for a public limited company and "Private Limited" or "Pvt. Ltd." for a private limited company.
https://seribangash.com/article-of-association-is-legal-doc-of-company/
Registered Office Clause: It specifies the location where the company's registered office is situated. This office is where all official communications and notices are sent.
Objective Clause: This clause delineates the main objectives for which the company is formed. It's important to define these objectives clearly, as the company cannot undertake activities beyond those mentioned in this clause.
www.seribangash.com
Liability Clause: It outlines the extent of liability of the company's members. In the case of companies limited by shares, the liability of members is limited to the amount unpaid on their shares. For companies limited by guarantee, members' liability is limited to the amount they undertake to contribute if the company is wound up.
https://seribangash.com/promotors-is-person-conceived-formation-company/
Capital Clause: This clause specifies the authorized capital of the company, i.e., the maximum amount of share capital the company is authorized to issue. It also mentions the division of this capital into shares and their respective nominal value.
Association Clause: It simply states that the subscribers wish to form a company and agree to become members of it, in accordance with the terms of the MOA.
Importance of Memorandum of Association:
Legal Requirement: The MOA is a legal requirement for the formation of a company. It must be filed with the Registrar of Companies during the incorporation process.
Constitutional Document: It serves as the company's constitutional document, defining its scope, powers, and limitations.
Protection of Members: It protects the interests of the company's members by clearly defining the objectives and limiting their liability.
External Communication: It provides clarity to external parties, such as investors, creditors, and regulatory authorities, regarding the company's objectives and powers.
https://seribangash.com/difference-public-and-private-company-law/
Binding Authority: The company and its members are bound by the provisions of the MOA. Any action taken beyond its scope may be considered ultra vires (beyond the powers) of the company and therefore void.
Amendment of MOA:
While the MOA lays down the company's fundamental principles, it is not entirely immutable. It can be amended, but only under specific circumstances and in compliance with legal procedures. Amendments typically require shareholder
Putting the SPARK into Virtual Training.pptxCynthia Clay
This 60-minute webinar, sponsored by Adobe, was delivered for the Training Mag Network. It explored the five elements of SPARK: Storytelling, Purpose, Action, Relationships, and Kudos. Knowing how to tell a well-structured story is key to building long-term memory. Stating a clear purpose that doesn't take away from the discovery learning process is critical. Ensuring that people move from theory to practical application is imperative. Creating strong social learning is the key to commitment and engagement. Validating and affirming participants' comments is the way to create a positive learning environment.
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E0352037042
1. International Journal of Business and Management Invention
ISSN (Online): 2319 – 8028, ISSN (Print): 2319 – 801X
www.ijbmi.org Volume 3 Issue 5ǁ May. 2014 ǁ PP.37-42
www.ijbmi.org 37 | Page
Relationships among Information Technology, Performance of
the Employees and Satisfaction of the Customers in Life
Insurance Corporation of India
Dr. Partha Sarathi Choudhuri
Department of Business Administration
The University of Burdwan, West Bengal, India
ABSTRACT : Satisfaction of the customers depends on a number of factors and based on these factors
customers generally try to estimate their satisfaction with their service providers. Information technology has
now emerged as an important element of the business strategy of the companies especially to the employees of
the organization through which they are now trying to provide better quality of services to the customers in
order to satisfy them in the competitive market. Like any other service sector, in life insurance sector also the
employees of the insurance companies are dedicatedly trying to improve their performance through maximum
utilization of the information technology in most efficient and effective way in their office operation especially at
the time of delivery of different types of services to the customers. In the present context, researcher in this
paper tried to understand the significant relationships among the information technology, performance of the
employees and satisfaction of the customers in life insurance sector with special reference to the Life Insurance
Corporation of India (LICI) in Burdwan district, West Bengal. In this study, accepted 221 usable responses
were considered as the sample size and statistical package SPSS 16 was used to perform the analyses.
KEYWORDS : Customer Satisfaction, Employees, Information Technology, Insurance, Performance.
I. INTRODUCTION
In 21st
century information technology (IT) has become the backbone of every industry, especially for
the service industries, all over the world. Due to the effect of the several factors of the globalization, the socio-
economic culture of the service providers have already been changed and become very much dependent on the
information technology where service industries are now trying to get competitive advantage over their
competitors through the use of information technology and information technology enabled services.
Satisfaction of the customers comes only when their needs and wants are fulfilled. Considering the various
needs and requirements of customers, organizations are concerned in providing quality of services to their
customers in order to meet the expectations of the customers. Customer satisfaction has now become the most
important objective of the firm through which they will be able to retain their own customers as well as will be
able to attract the new customers in the global competitive market. After liberalization, while establishing its
role in the economic development process of the country, Indian insurance market has undergone a dramatic
change and also influenced the financial sector as a whole. There are now many private and foreign life
insurance companies performing their operations in Indian insurance market and offering different type of
products and services to the customers. After the entrance of these insurance companies, customers’ expectation
of quality of services from their insurers has already been changed. In the present competitive insurance market,
insurance companies are trying to change their focus from product orientation to customer orientation and
involved in IT investment in their business in order to facilitate their employees in their works through which
they may be able to provide better quality of services to their customers in order to fulfill their various
requirements. The largest as well as one and only public sector life insurance company of India namely Life
Insurance Corporation of India (LICI) is no exception to this. The technology savvy employees of the Life
Insurance Corporation of India are nowadays fervently using this new and convenient technology in their works
in most efficient and effective way. In the present context, the current study has been conducted on the life
insurance customers of all the 17 branches of the Life Insurance Corporation of India located in the district of
Burdwan, West Bengal, to observe the significant relationships among the information technology, performance
of the employees and satisfaction of the customers in life insurance sector.
II. REVIEW OF LITERATURE
Information Technology (IT) is described as any technology that helps to produce, manipulate process,
store, communicate, and/or disseminate information (William and Sawyar, 2005). Shang and Seddon (2002)
noted that information technology is playing an important role in attaining organizational benefits, mainly
2. Relationships Among Information Technology…
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because of its ability to transform resources into core capabilities, and at times, facilitate and accelerate a change
in organizational culture. Bauer (2003) affirmed that within an organization, individual business units started
creating their information technology units because the cost of computing technology decreased and the trained
information technology personnel became readily available. The use of technology presents operational
efficiency with additional functionality as well as the convenience (Arend, 1992). According to Markus (2004),
information technology has a significant impact in sustaining organizational operations and sparkling dramatic
changes in the transformation of an institution that may be described as technochange, named for technology-
driven organizational change, which has a potential importance to the people, processes as well as
organizational performance that assure major strategic benefits and process improvements from the cross-
functional integration and process streamlining. Information technology enabled convenient services (ITECS)
has emerged as one of the important dimensions of the structure of service quality in life insurance sector
(Choudhuri, 2012). In life insurance industry, the organizational performance in the office operation of systems
technology leaders was linked to the level of information technology investment intensity (Harris and Katz,
1991). Jen-Her and Yu-Min (2006); Leslie and Richard (2006) asserted that managers of the insurance
companies are able to process work quickly as well as response to their customers has been faster and prompt
using the latest information technology system. Satisfaction is the outcome of customers’ affective commitment
about a service (Johnson et al., 2008), i.e., according to Meuter et al. (2000), during the service delivery,
recovery and personalization of service, the noteworthy relationship of customer-employee makes customers’
satisfaction. Customer satisfaction can be affected and predicted by the five dimensions of the Parasuraman et
al.’ (1988) SERVQUAL instrument (Landrum et al., 2007) where the maximum items of service quality are
straight way related with the human interaction between customer service representative and customers (Bitner
et al., 1990). Khatibi et al. (2002) indicated that customer satisfaction very much depends on the performance of
the employee when they provide service to the customer.
III. METHODOLOGY
For the purpose of the study, researcher first of all formulated the following null and alternative
hypotheses:
H10 : Performance of the employees in life insurance is independent of information technology.
H1a : Performance of the employees in life insurance is dependent of information technology.
H20 : Customer satisfaction in life insurance is independent of performance of the employees.
H2a : Customer satisfaction in life insurance is dependent of performance of the employees.
To collect the data, initial questionnaire was developed as a survey instrument where along with the other items,
the importance of having information technology in LICI, performance of the LICI employees and the
satisfaction of the LICI customers were included in the initial questionnaire. The pilot study was conducted
randomly selecting 30 customers for this study. After explaining objectives and purpose of the study, researcher
tried to get valuable feedback from these customers. Based on this pilot study, the preliminary analysis
established the internal consistency of the items within questionnaire and gave the confirmation of validity and
reliability of final survey instrument. The questionnaire used for the study included both open-ended and close-
ended and consisted seven point Likert scale ranging from 1-strongly disagree to 7-strongly agree. After
successfully completion of the pilot study, considering different demographic profile of the respondents and
using random sampling technique, selecting all the 17 LICI branches located in Burdwan district, total 350
questionnaires were distributed among the customers where 289 customers were agreed to give response and
finally obtained 221 usable responses which were considered as the sample size for this study. Here, statistical
package SPSS 16 was used to perform the analyses.
IV. RESULTS AND DISCUSSIONS
Based on the demographic data of the LICI customers which was collected through cross-sectional
survey for the purpose of the study, the central tendency of the various demographic profiles of the customers
was measured. The summarized demographic profile of the customers of the study is now given in Table 1:
Table 1: Demographic profile of the customers
Demographic
Variable
Demographic Characteristics Frequency Mean Median Mode
Std.
Deviation
Gender
Male 192 ( 86.9 )
1.1312 1.0000 1.00 0.33841
Female 29 ( 13.1 )
Age
≤ 30 years 51 ( 23.1 )
2.6154 2.0000 2.00 1.2690531 - 40 years 66 ( 29.9 )
41 - 50 years 38 ( 17.2 )
3. Relationships Among Information Technology…
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51 - 60 years 49 ( 22.2 )
≥ 60 years 17 ( 7.7 )
Income
≤ Rs.14999.00 30 ( 13.6 )
2.3529 2.0000 2.00 0.82150
Rs.15000.00 -Rs.24999.00 102 ( 46.2 )
Rs.25000.00 -Rs.44999.00 70 ( 31.7 )
≥ Rs.45000.00 19 ( 8.6 )
Occupation
Salaried 174 ( 78.7 )
1.4661 1.0000 1.00 1.00226
Business 15 ( 6.8 )
Professional 11 ( 5.0 )
Retired 18 ( 8.1 )
Housewife 3 ( 1.4 )
Educational
Qualifications
High school 14 ( 6.3 )
3.1991 4.0000 4.00 1.08970
Graduate 56 ( 25.3 )
Post-graduate 38 ( 17.2 )
Professional 98 ( 44.3 )
Any other 15 ( 6.8 )
Locality of Living
Center of the town 144 ( 65.2 )
1.5611 1.0000 1.00 0.82138Outskirts of the town 30 ( 13.6 )
Rural areas adjoining town 47 ( 21.3 )
Modern Aids
Mobile Phone 64 ( 29.0 )
1.4208 2.0000 2.00 0.90921
Combination of mobile & internet 157 ( 71.0 )
* Percentage (%) in parenthesis
To understand the strength of the relationship of performance of the employees and information
technology, the simple regression analysis was performed in order to predict the dependent variable from the
independent variable (predictor) where performance of the employees was considered as the dependent variable
and information technology was considered as the independent variable for this study. The results of first simple
regression analysis are given below in the following tables:
Table 2: Result of Regression Analysis 1
Variables Entered/Removedb
Model Variables Entered Variables Removed Method
1 INFORMATION TECHNOLOGYª . Enter
a. All requested variables entered.
b. Dependent Variable: PERFORMANCE
Table 3: Model Summaryb
(IT vs. PERF)
Model R R Square Adjusted R Square Std. Error of the Estimate
1 .437ª .211 .203 .65137
a. Predictors: (Constant), INFORMATION TECHNOLOGY
b. Dependent Variable: PERFORMANCE
Table 4: Result of ANOVA (IT vs. PERF)
ANOVAb
Model Sum of Squares df Mean Square F Sig.
1
Regression 3.478 1 3.478 7.136 .003ª
Residual 206.517 219 .943
Total 209.995 220
a. Predictors: (Constant), INFORMATION TECHNOLOGY
b. Dependent Variable: PERFORMANCE
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Table 5: Regression Coefficients (IT vs. PERF)
Coefficientsª
Model
Unstandardized
Coefficients
Standardized
Coefficients t Sig.
B Std. Error Beta
1
(Constant) 2.261 .413 12.284 .000
INFORMATION TECHNOLOGY .735 .126 .247 5.316 .003
a. Dependent Variable: PERFORMANCE
# Legends used: IT- Information Technology and PERF- Performance
The result of simple regression analysis indicates that dependent variable performance of the
employees has a strong relationship with the independent variable information technology. In ANOVA result of
Table 4, the value of F = 7.136, p≤0.001 established the significance of the relationship between performance of
the employees and the information technology. The result of regression coefficients in Table 5 shows that
standardized coefficient β and corresponding t-value of the information technology are β = 0.247, t = 5.316,
p<0.001 which also proved that there exists positive and strong relationship between dependent variable
performance of the employees and the independent variable information technology in the current study. So, in
this study the first null hypothesis is rejected and alternative hypothesis “Performance of the employees in life
insurance is dependent of information technology” is accepted.
To test the strength of the relationship between customer satisfaction and performance of the employees as well
as to predict the dependent variable from the independent variable (predictor), the following second simple
regression analysis was performed where mean score of the customer satisfaction of all the life insurance
customers of the study was considered as dependent variable and performance of the employees was considered
as the independent variable:
Table 6: Result of Regression Analysis 2
Variables Entered/Removedb
Model Variables Entered Variables Removed Method
1 PERFORMANCEª . Enter
a. All requested variables entered.
b. Dependent Variable: CUSTOMER SATISFACTION
Table 7: Model Summaryb
(PERF vs. CS)
Model R R Square Adjusted R Square Std. Error of the Estimate
1 .681ª .327 .313 1.03142
a. Predictors: (Constant), PERFORMANCE
b. Dependent Variable: CUSTOMER SATISFACTION
Table 8: Result of ANOVA (PERF vs. CS)
ANOVAb
Model Sum of Squares df Mean Square F Sig.
1
Regression 19.273 1 19.273 28.584 .005ª
Residual 266.304 219 1.216
Total 285.577 220
a. Predictors: (Constant), PERFORMANCE
b. Dependent Variable: CUSTOMER SATISFACTION
Table 9: Regression Coefficients (PERF vs. CS)
Coefficientsª
Model
Unstandardized Coefficients
Standardized
Coefficients t Sig.
B Std. Error Beta
1
(Constant) 1.776 .531 11.451 .000
PERFORMANCE .829 .104 .361 4.130 .005
a. Dependent Variable: CUSTOMER SATISFACTION
# Legends used: PERF- Performance and CS- Customer Satisfaction
5. Relationships Among Information Technology…
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From the result of the above simple regression analysis it can be stated that the dependent variable
customer satisfaction is strongly related with the independent variable performance of the employees and the
prediction of dependent variable (customer satisfaction) has successfully been done by the independent variable
(performance of the employees). In Table 7, the value of R Square = 0.327 indicates significance of the study. In
Table 8, the result of ANOVA, the value of F = 28.584, p≤0.001 established the significance of the relationship
between the customer satisfaction and performance of the employees. In Table 9, the result of regression
coefficients illustrates that the standardized coefficient β and corresponding t-value of performance of the
employees are β = 0.361, t = 4.130, p<0.001 which again explained that there exists positive and strong
relationship between the customer satisfaction (dependent variable) and performance of the employees
(independent variables). So, the second null hypothesis is rejected and alternative hypothesis “Customer
satisfaction in life insurance is dependent of performance of the employees” is accepted here.
From the above discussion, in the present context of the study, the model named Information Technology-
Performance-Satisfaction (IT-P-S) Model has been developed for the life insurance sector which is now
presented below:
Model 1: Information Technology-Performance-Satisfaction (IT-P-S) Model
V. CONCLUSIONS
To investigate the significant relationships among the information technology, performance of the
employees and satisfaction of the customers in life insurance sector with special reference to the Life Insurance
Corporation of India (LICI), the researcher initially formulated appropriate null and alternative hypotheses as
well as performed the regression analyses. The acceptance of first and second alternative hypotheses not only
described the perfect positive linear relationship of dependent and independent variables of the study but also
established the dependency of performance of the employees on the information technology as well as the
dependency of customer satisfaction on the performance of the employees in life insurance sector. Based on
these fruitful results, researcher has developed Information Technology-Performance-Satisfaction (IT-P-S)
Model for the life insurance sector which might play an important role in the decision support system of the top
level management of the life insurance organization, especially to the Life Insurance Corporation of India. IT-P-
S model illustrates the significant impact of the information technology on the performance of the employees
which also has a strong positive impact on the customer satisfaction in life insurance sector. Thus, it may be
concluded that as information technology is the key instrument to the employees of the organization to improve
their performance in order to satisfy the life insurance customers so the proper implementation and use of
information technology is very much desirable in the life insurance organization in the present competitive
market.
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