This document provides a summary of a student paper titled "NEW AGE FINANCIAL PRODUCTS & THEIR ROLE IN TRANSFORMING MODERN BANKING". The paper examines how new banking products like debit cards, credit cards, POS machines, ATMs, e-banking and SMS banking have transformed modern banking. It includes a literature review on past studies and sections analyzing each financial product and how they have impacted customer behaviors and transactions. The conclusion finds that these new products have significantly changed how customers make purchases and access their accounts.
The document is a project report submitted by Rajesh Kumar to the National Institute of Technology on retail banking with reference to Allahabad Bank. It includes an executive summary, introduction, company and industry profiles, data collection methodology, findings, suggestions and conclusions. The report analyzes various aspects of Allahabad Bank's retail banking operations including its products and services, workflow, McKinsey's 7S framework, research methodology and customer feedback.
CUSTOMER SATISFACTION ON E-BANKING SERVICE BY SETHUsaravana vel.k
The document provides an introduction to customer satisfaction and e-banking services. It discusses how customer satisfaction is measured and defined. It then discusses online banking/e-banking, the various dimensions of e-banking including customer to bank services, and the benefits of internet banking for both banks and customers. The document outlines the objectives and importance of studying customer satisfaction of e-banking services provided by SBI in Tirupur, India. It discusses the research methodology and limitations of the study.
Bank of Baroda (BoB) is one of the largest public sector banks in India with over 5000 branches globally. It was founded in 1908 in Baroda, Gujarat by the Maharaja of Baroda. Over the years, BoB has expanded both within India and internationally. In 1969, it was nationalized along with 13 other major banks. Today, BoB offers a wide range of banking products and services to corporate and retail customers. It has received several awards recognizing its leadership and customer service. BoB has a strong presence both within India and globally across over 20 countries.
This document is a project report submitted by Pooja Gupta for her MBA program. The report studies customer perception towards credit cards issued by private and public banks in India. It begins with an introduction that provides background on the history and development of credit cards in India. It discusses how credit cards have become popular in recent years as banks offer various cards. The report will examine trends in the credit card industry, compare different types of cards, and evaluate customer satisfaction levels and perceptions. It aims to provide insight into the credit card market in India and identify factors that influence customer choices.
This document is a dissertation submitted to the University of Jammu on new age financial products and their role in transforming modern banking. It provides background on Jammu and Kashmir Bank, which was established in 1938 as the first state-owned bank in India. The dissertation discusses how products like ATMs, credit cards, debit cards, e-banking and SMS banking have transformed modern banking by making financial transactions more convenient. However, it notes that awareness and adoption of these new products is still lacking among some segments of society.
This document is a project report on banking done as a summer internship project. It provides an overview of the banking structure in India, the Indian banking industry, and upcoming foreign banks entering India. It then discusses HDFC Bank, providing details on its founding, profile including branch and ATM growth, technology used, products and customers, business strategy, and recent developments.
PROJECT-Impact of Internet banking services on customer loyaltyNabarun Paul
1. The document discusses the impact of effective internet banking services on customer loyalty. It begins by providing background on the banking industry, describing the various activities banks perform and channels through which they provide services to customers, including ATMs, mail, mobile and online banking.
2. It then discusses commercial business models for banks, which typically generate revenue through interest on loans, transaction fees, and financial advising. Various types of banks are also outlined such as retail, business, private, and investment banks.
3. Online banking is said to provide customers with a convenient way to conduct banking from home and check accounts anytime. It has changed transactional business and affects many industries.
The document is a project report submitted by Rajesh Kumar to the National Institute of Technology on retail banking with reference to Allahabad Bank. It includes an executive summary, introduction, company and industry profiles, data collection methodology, findings, suggestions and conclusions. The report analyzes various aspects of Allahabad Bank's retail banking operations including its products and services, workflow, McKinsey's 7S framework, research methodology and customer feedback.
CUSTOMER SATISFACTION ON E-BANKING SERVICE BY SETHUsaravana vel.k
The document provides an introduction to customer satisfaction and e-banking services. It discusses how customer satisfaction is measured and defined. It then discusses online banking/e-banking, the various dimensions of e-banking including customer to bank services, and the benefits of internet banking for both banks and customers. The document outlines the objectives and importance of studying customer satisfaction of e-banking services provided by SBI in Tirupur, India. It discusses the research methodology and limitations of the study.
Bank of Baroda (BoB) is one of the largest public sector banks in India with over 5000 branches globally. It was founded in 1908 in Baroda, Gujarat by the Maharaja of Baroda. Over the years, BoB has expanded both within India and internationally. In 1969, it was nationalized along with 13 other major banks. Today, BoB offers a wide range of banking products and services to corporate and retail customers. It has received several awards recognizing its leadership and customer service. BoB has a strong presence both within India and globally across over 20 countries.
This document is a project report submitted by Pooja Gupta for her MBA program. The report studies customer perception towards credit cards issued by private and public banks in India. It begins with an introduction that provides background on the history and development of credit cards in India. It discusses how credit cards have become popular in recent years as banks offer various cards. The report will examine trends in the credit card industry, compare different types of cards, and evaluate customer satisfaction levels and perceptions. It aims to provide insight into the credit card market in India and identify factors that influence customer choices.
This document is a dissertation submitted to the University of Jammu on new age financial products and their role in transforming modern banking. It provides background on Jammu and Kashmir Bank, which was established in 1938 as the first state-owned bank in India. The dissertation discusses how products like ATMs, credit cards, debit cards, e-banking and SMS banking have transformed modern banking by making financial transactions more convenient. However, it notes that awareness and adoption of these new products is still lacking among some segments of society.
This document is a project report on banking done as a summer internship project. It provides an overview of the banking structure in India, the Indian banking industry, and upcoming foreign banks entering India. It then discusses HDFC Bank, providing details on its founding, profile including branch and ATM growth, technology used, products and customers, business strategy, and recent developments.
PROJECT-Impact of Internet banking services on customer loyaltyNabarun Paul
1. The document discusses the impact of effective internet banking services on customer loyalty. It begins by providing background on the banking industry, describing the various activities banks perform and channels through which they provide services to customers, including ATMs, mail, mobile and online banking.
2. It then discusses commercial business models for banks, which typically generate revenue through interest on loans, transaction fees, and financial advising. Various types of banks are also outlined such as retail, business, private, and investment banks.
3. Online banking is said to provide customers with a convenient way to conduct banking from home and check accounts anytime. It has changed transactional business and affects many industries.
Today, the banking industry in our country is stronger and capable of withstanding the pressures of competition. It withstood Global Financial Crisis (2008). In the era of Globalization Banking Sector in India is rapidly changing since 1990s due to technological innovation, financial liberalization with entry of new private and foreign banks, and regulatory changes in the corporate sector. Indian banking industry is gradually moving towards adopting the best practices in accounting, internationally accepted prudential norms, with higher disclosures and transparency, corporate governance and risk management, interest rates have been deregulated, while the rigour of directed lending is being progressively reduced. In our country, currently we are having a fairly well developed banking system with different classes of banks – public sector banks, foreign banks, private sector banks – both old and new generation, regional rural banks and co-operative banks with the Reserve Bank of India as the leader of the system. In the banking field, there has been an unprecedented growth and diversification of banking industry and our banks are now utilizing the latest technologies like internet and mobile devices to carry out transactions and communicate with the masses.
SUMMER PROJECT ON CUSTOMER SATISFACTION AND PERFORMANCE OF JAMMU AND KASHMIR...Aamir Qureshi
The document is a summer project report submitted by Amir Bashir Qureshi to Lloyd Institute of Management and Technology in partial fulfillment of an MBA degree. The project examines customer satisfaction and performance of J&K Bank Ltd. in Uri, Baramulla, India through surveys of customers. It acknowledges assistance from various parties and declares the work as the student's original work. It includes objectives of the study, an executive summary, and outlines various sections of the report such as the introduction, literature review, research methodology, data analysis, findings, and recommendations.
Analysis of customer satisfaction in banking sector of jammu & kashmir bankShami Zama
This document provides information about a summer training report submitted by a student to fulfill the requirements of a Bachelor of Business Administration degree. It includes sections on certification, acknowledgements, an executive summary, table of contents, and the beginning of chapter 1 which provides a profile of Jammu & Kashmir Bank, the organization studied. The profile describes the bank's history, establishment, growth, operations, and services including technology applications and delivery channels like ATMs, internet banking, and SMS banking.
I HAVE DONE A PROJECT ON ONLINE BANKING IN INDIA WITH RBI GUIDLINES AND IMPLEMENTATION OF ONLINE BANKING IN INDIA WITH BOTH PRIMARY AND SECONDARY DATA ANALYSIS.
retail banking an over view of hdfc bankumesh yadav
This document is a project report on retail banking at HDFC Bank. It includes an executive summary that provides an overview of retail banking in India and why banks are shifting focus to retail banking. It also discusses characteristics of retail banking like multiple products, channels and customer groups. The document contains chapters on rationale for the study, objectives, HDFC Bank profile, theoretical perspective, research methodology, data analysis, findings, limitations and expected contributions. It includes certificates, indexes and references. The key information is that this appears to be a student project report analyzing retail banking services at HDFC Bank in India.
This document provides information about a seminar project submitted by Danish ROLL NO.-2018MGA1016 to Prof. Amanjot Singh and Prof. Arun at Guru Nanak Dev University, Amritsar. The project is about Bank of Baroda, one of the largest banks in India. It was founded in 1908 in Baroda, Gujarat by Maharaja Sayajirao Gaekwad III. Over the years, it has expanded domestically and internationally to become a major public sector bank with over 5,000 branches globally. The document includes sections on the bank's history, profile, products/services, initiatives, financial reports and suggestions.
This document provides a project report submitted by Akshay Surana to Calcutta Business School in partial fulfillment of the requirements for a Post Graduate Diploma in Management. The report analyzes digital banking and the challenges faced by HDFC Bank and other Indian banks in adopting digital technologies. It includes an introduction to traditional and digital banking, an overview of HDFC Bank, an analysis of digital banking services and competitors, and conclusions/recommendations based on customer research. The objectives are to understand digital banking concepts and analyze HDFC Bank's progress in adopting technologies compared to other Indian banks.
This document provides an overview of the Jammu & Kashmir Bank in 3 paragraphs. It discusses how the bank was established in 1938 to address a lack of banking in the state of Jammu & Kashmir. The bank aimed to help people in the state overcome economic backwardness by providing banking services. It opened its first branches in Srinagar and Jammu. Over time, the bank grew its operations both within and outside of Jammu & Kashmir. The document also notes that the state government owns half of the bank's capital and appointed it as the banker for state government business.
A MS PowerPoint presentation that contains an idea about what Indian banking structure looks like and what role ICICI has played in the development of market infrastructure. It also contains Grievance Redressal system and controversies in which ICICI bank's name was highlighted
Presentation on summer internship project of bank priyanka sarraf
A SUMMER INTERNSHIP ON “A Comparative study of Himalayan Bank Ltd. and Everest Bank Ltd., with special reference to customer feedback on product and services offered by Himalayan Bank Limited”
The document is a project report submitted by Raghu Roy for a B.Com Honours degree. It studies online banking in India and includes chapters on the conceptual framework, presentation and analysis of data/findings, and conclusions/recommendations. The report acknowledges those who helped and supported the project, and includes annexures with questions, declarations, and certificates.
The money market refers to the institutions and arrangements that facilitate short-term borrowing and lending. It involves the trading of debt instruments with high liquidity and original maturities of one year or less, such as treasury bills, commercial paper, bankers' acceptances and certificates of deposit. The money market provides short-term funding for businesses, banks and other institutions and allows entities with temporary cash surpluses to invest their money in near-money assets.
1) ICICI Bank was originally promoted in 1994 and was originally a wholly-owned subsidiary of ICICI Limited, an Indian financial institution. Over time, ICICI's ownership was reduced through public offerings and acquisitions.
2) The document discusses ICICI Bank's mission, vision and CSR initiatives which focus on education, healthcare, skill development, financial inclusion and rural development.
3) It provides details on ICICI Bank's investment products and services like equities, bonds, mutual funds, real estate, precious metals, and life insurance; and average historical returns for each.
This document discusses digital banking. It was first incorporated in the United States and is governed by federal regulations. Digital banking allows customers to view accounts, make transfers, pay bills, and access other services through a bank's website or mobile app. Customers can access their accounts 24/7 from anywhere. While digital banking offers convenience, there are also security risks and customers may miss in-person relationships with their banks.
This presentation summarizes a summer training project on customer satisfaction with Bank of Baroda's ATM and debit card services. The objectives were to analyze current ATM facilities, factors affecting ATM choice, and the impact on customer satisfaction. Primary and secondary data were collected. Customer satisfaction was measured based on fees, problems encountered, and post-purchase behavior. Several problems were observed including lost cards being used fraudulently before being reported, transactions not dispensing money, and cards getting stuck in ATMs. Suggestions included assigning staff to address problems more swiftly. In conclusion, while ATMs and online banking provide advantages of convenience, security risks still exist and need to be addressed.
Bank of Baroda is the third largest public sector bank in India. It was founded in 1908 and is headquartered in Baroda. As of fiscal year 2009, it had over 3,000 branches including 70 overseas, with total assets of Rs. 2.27 trillion and net profits of Rs. 2.22 trillion. The bank focuses on increasing retail credit, maintaining high asset quality ratios, and growing its total business while protecting asset quality. Going forward, it aims to achieve 20-22% total business growth by focusing on low-cost deposits and adding 2.5-3 million new customers annually.
PROJECT REPORT - ONLINE BANKING - SEN 2Pradumnya Sen
This document is a project report submitted for a Bachelor's degree in Accounting and Finance. It studies online banking in India. The report contains an introduction that discusses the background and drivers of online banking in India, including security concerns. It identifies problems with customer awareness and outlines objectives to examine internet banking services and customer acceptance levels. The report will analyze types of banking customers and tools to interpret findings on the impact of internet banking on banking operations and customer satisfaction in India.
Mobile banking allows users to perform banking transactions through mobile devices like phones and PDAs. It began with SMS banking and expanded to include WAP banking and STK banking as technology advanced. Mobile banking provides benefits to banks like lower costs and increased customer satisfaction, benefits to businesses like lower costs, and benefits to customers like convenience. However, security, fraud, and lack of infrastructure in some areas are challenges. Reserve Bank of India established a group to address technology, business, and regulatory issues regarding mobile banking. Major banks in India offer mobile banking services through SMS, apps, and other mobile platforms.
100 marks topics for banking and insurance projectsbanking-insurance
Complete topics for 100 marks project for banking and insurance
http://www.managementparadise.com/forums/banking-insurance-final-100-marks-projects/16283-topics-100-marks-project-banking-insurance.html
Project financing involves using project debt and equity to finance long-term infrastructure and industrial projects. It uses a complex structure with multiple equity investors and banks providing loans secured by the project's assets and cash flows. A special purpose entity is typically created to shield other sponsor assets from project failure. Project finance is commonly used in industries like mining, transportation, telecommunications and utilities. The presentation then discusses the history and operations of J&K Bank, including its products, mission, vision and financial performance over time.
The Indian luxury landscape is evolving in ways that are redefining consumers and requiring luxury players to change their operations in 2016. Key trends include the rise of digital and social media marketing, pre-owned luxury goods gaining popularity, renting luxury items, making luxury more accessible to mainstream customers, collaborations between Indian and global brands, customization and "Indianization" of products, boosting domestic manufacturing, and regulatory changes impacting the industry. Brands will need an omnichannel presence to engage customers across all platforms personally.
Today, the banking industry in our country is stronger and capable of withstanding the pressures of competition. It withstood Global Financial Crisis (2008). In the era of Globalization Banking Sector in India is rapidly changing since 1990s due to technological innovation, financial liberalization with entry of new private and foreign banks, and regulatory changes in the corporate sector. Indian banking industry is gradually moving towards adopting the best practices in accounting, internationally accepted prudential norms, with higher disclosures and transparency, corporate governance and risk management, interest rates have been deregulated, while the rigour of directed lending is being progressively reduced. In our country, currently we are having a fairly well developed banking system with different classes of banks – public sector banks, foreign banks, private sector banks – both old and new generation, regional rural banks and co-operative banks with the Reserve Bank of India as the leader of the system. In the banking field, there has been an unprecedented growth and diversification of banking industry and our banks are now utilizing the latest technologies like internet and mobile devices to carry out transactions and communicate with the masses.
SUMMER PROJECT ON CUSTOMER SATISFACTION AND PERFORMANCE OF JAMMU AND KASHMIR...Aamir Qureshi
The document is a summer project report submitted by Amir Bashir Qureshi to Lloyd Institute of Management and Technology in partial fulfillment of an MBA degree. The project examines customer satisfaction and performance of J&K Bank Ltd. in Uri, Baramulla, India through surveys of customers. It acknowledges assistance from various parties and declares the work as the student's original work. It includes objectives of the study, an executive summary, and outlines various sections of the report such as the introduction, literature review, research methodology, data analysis, findings, and recommendations.
Analysis of customer satisfaction in banking sector of jammu & kashmir bankShami Zama
This document provides information about a summer training report submitted by a student to fulfill the requirements of a Bachelor of Business Administration degree. It includes sections on certification, acknowledgements, an executive summary, table of contents, and the beginning of chapter 1 which provides a profile of Jammu & Kashmir Bank, the organization studied. The profile describes the bank's history, establishment, growth, operations, and services including technology applications and delivery channels like ATMs, internet banking, and SMS banking.
I HAVE DONE A PROJECT ON ONLINE BANKING IN INDIA WITH RBI GUIDLINES AND IMPLEMENTATION OF ONLINE BANKING IN INDIA WITH BOTH PRIMARY AND SECONDARY DATA ANALYSIS.
retail banking an over view of hdfc bankumesh yadav
This document is a project report on retail banking at HDFC Bank. It includes an executive summary that provides an overview of retail banking in India and why banks are shifting focus to retail banking. It also discusses characteristics of retail banking like multiple products, channels and customer groups. The document contains chapters on rationale for the study, objectives, HDFC Bank profile, theoretical perspective, research methodology, data analysis, findings, limitations and expected contributions. It includes certificates, indexes and references. The key information is that this appears to be a student project report analyzing retail banking services at HDFC Bank in India.
This document provides information about a seminar project submitted by Danish ROLL NO.-2018MGA1016 to Prof. Amanjot Singh and Prof. Arun at Guru Nanak Dev University, Amritsar. The project is about Bank of Baroda, one of the largest banks in India. It was founded in 1908 in Baroda, Gujarat by Maharaja Sayajirao Gaekwad III. Over the years, it has expanded domestically and internationally to become a major public sector bank with over 5,000 branches globally. The document includes sections on the bank's history, profile, products/services, initiatives, financial reports and suggestions.
This document provides a project report submitted by Akshay Surana to Calcutta Business School in partial fulfillment of the requirements for a Post Graduate Diploma in Management. The report analyzes digital banking and the challenges faced by HDFC Bank and other Indian banks in adopting digital technologies. It includes an introduction to traditional and digital banking, an overview of HDFC Bank, an analysis of digital banking services and competitors, and conclusions/recommendations based on customer research. The objectives are to understand digital banking concepts and analyze HDFC Bank's progress in adopting technologies compared to other Indian banks.
This document provides an overview of the Jammu & Kashmir Bank in 3 paragraphs. It discusses how the bank was established in 1938 to address a lack of banking in the state of Jammu & Kashmir. The bank aimed to help people in the state overcome economic backwardness by providing banking services. It opened its first branches in Srinagar and Jammu. Over time, the bank grew its operations both within and outside of Jammu & Kashmir. The document also notes that the state government owns half of the bank's capital and appointed it as the banker for state government business.
A MS PowerPoint presentation that contains an idea about what Indian banking structure looks like and what role ICICI has played in the development of market infrastructure. It also contains Grievance Redressal system and controversies in which ICICI bank's name was highlighted
Presentation on summer internship project of bank priyanka sarraf
A SUMMER INTERNSHIP ON “A Comparative study of Himalayan Bank Ltd. and Everest Bank Ltd., with special reference to customer feedback on product and services offered by Himalayan Bank Limited”
The document is a project report submitted by Raghu Roy for a B.Com Honours degree. It studies online banking in India and includes chapters on the conceptual framework, presentation and analysis of data/findings, and conclusions/recommendations. The report acknowledges those who helped and supported the project, and includes annexures with questions, declarations, and certificates.
The money market refers to the institutions and arrangements that facilitate short-term borrowing and lending. It involves the trading of debt instruments with high liquidity and original maturities of one year or less, such as treasury bills, commercial paper, bankers' acceptances and certificates of deposit. The money market provides short-term funding for businesses, banks and other institutions and allows entities with temporary cash surpluses to invest their money in near-money assets.
1) ICICI Bank was originally promoted in 1994 and was originally a wholly-owned subsidiary of ICICI Limited, an Indian financial institution. Over time, ICICI's ownership was reduced through public offerings and acquisitions.
2) The document discusses ICICI Bank's mission, vision and CSR initiatives which focus on education, healthcare, skill development, financial inclusion and rural development.
3) It provides details on ICICI Bank's investment products and services like equities, bonds, mutual funds, real estate, precious metals, and life insurance; and average historical returns for each.
This document discusses digital banking. It was first incorporated in the United States and is governed by federal regulations. Digital banking allows customers to view accounts, make transfers, pay bills, and access other services through a bank's website or mobile app. Customers can access their accounts 24/7 from anywhere. While digital banking offers convenience, there are also security risks and customers may miss in-person relationships with their banks.
This presentation summarizes a summer training project on customer satisfaction with Bank of Baroda's ATM and debit card services. The objectives were to analyze current ATM facilities, factors affecting ATM choice, and the impact on customer satisfaction. Primary and secondary data were collected. Customer satisfaction was measured based on fees, problems encountered, and post-purchase behavior. Several problems were observed including lost cards being used fraudulently before being reported, transactions not dispensing money, and cards getting stuck in ATMs. Suggestions included assigning staff to address problems more swiftly. In conclusion, while ATMs and online banking provide advantages of convenience, security risks still exist and need to be addressed.
Bank of Baroda is the third largest public sector bank in India. It was founded in 1908 and is headquartered in Baroda. As of fiscal year 2009, it had over 3,000 branches including 70 overseas, with total assets of Rs. 2.27 trillion and net profits of Rs. 2.22 trillion. The bank focuses on increasing retail credit, maintaining high asset quality ratios, and growing its total business while protecting asset quality. Going forward, it aims to achieve 20-22% total business growth by focusing on low-cost deposits and adding 2.5-3 million new customers annually.
PROJECT REPORT - ONLINE BANKING - SEN 2Pradumnya Sen
This document is a project report submitted for a Bachelor's degree in Accounting and Finance. It studies online banking in India. The report contains an introduction that discusses the background and drivers of online banking in India, including security concerns. It identifies problems with customer awareness and outlines objectives to examine internet banking services and customer acceptance levels. The report will analyze types of banking customers and tools to interpret findings on the impact of internet banking on banking operations and customer satisfaction in India.
Mobile banking allows users to perform banking transactions through mobile devices like phones and PDAs. It began with SMS banking and expanded to include WAP banking and STK banking as technology advanced. Mobile banking provides benefits to banks like lower costs and increased customer satisfaction, benefits to businesses like lower costs, and benefits to customers like convenience. However, security, fraud, and lack of infrastructure in some areas are challenges. Reserve Bank of India established a group to address technology, business, and regulatory issues regarding mobile banking. Major banks in India offer mobile banking services through SMS, apps, and other mobile platforms.
100 marks topics for banking and insurance projectsbanking-insurance
Complete topics for 100 marks project for banking and insurance
http://www.managementparadise.com/forums/banking-insurance-final-100-marks-projects/16283-topics-100-marks-project-banking-insurance.html
Project financing involves using project debt and equity to finance long-term infrastructure and industrial projects. It uses a complex structure with multiple equity investors and banks providing loans secured by the project's assets and cash flows. A special purpose entity is typically created to shield other sponsor assets from project failure. Project finance is commonly used in industries like mining, transportation, telecommunications and utilities. The presentation then discusses the history and operations of J&K Bank, including its products, mission, vision and financial performance over time.
The Indian luxury landscape is evolving in ways that are redefining consumers and requiring luxury players to change their operations in 2016. Key trends include the rise of digital and social media marketing, pre-owned luxury goods gaining popularity, renting luxury items, making luxury more accessible to mainstream customers, collaborations between Indian and global brands, customization and "Indianization" of products, boosting domestic manufacturing, and regulatory changes impacting the industry. Brands will need an omnichannel presence to engage customers across all platforms personally.
The document discusses the EBIT-EPS approach for determining appropriate capital structure. The EBIT-EPS approach involves selecting a capital structure that maximizes earnings per share (EPS) over the expected range of earnings before interest and taxes (EBIT). Managers use this approach to balance debt and equity financing by analyzing how different capital structures affect EPS at given EBIT levels. However, the approach does not consider risk premiums associated with higher debt levels and may not always be the best tool for capital structure decisions.
The document discusses the Jammu and Kashmir Bank and non-performing assets (NPAs). It provides background on the founding and ownership of J&K Bank. It also examines NPAs, their classification, effects on banks and the economy, and strategies to control NPAs. The research aims to analyze J&K Bank's NPA management policies and customer perceptions. Most customers feel loan processes and NPA reduction techniques are satisfactory, though further improvement is needed. J&K Bank remains the preferred bank in the state.
The document discusses KC Residency, a hotel located in Jammu, India. It provides details about the hotel's front office operations, including check-in/check-out processes, room types, rates, and software used. It also summarizes the housekeeping department responsibilities and hierarchy. The hotel aims to provide a comfortable stay for guests while experiencing the local culture and hospitality of Jammu.
The document discusses innovations in finance. It notes that innovation can be continuous or disruptive and refers to using new ideas or methods, whereas invention refers to creating the ideas or methods. It explores why banks and financial institutions often fail to innovate, citing barriers like unproven business cases, regulatory hurdles, and fast followers. The document then highlights examples of financial innovations and disruptions, including new banking products, services, and technologies. It emphasizes that truly innovative requires commitment from top leadership.
The document provides an introduction and overview of the State Bank of Bikaner and Jaipur (SBBJ). It outlines the bank's vision to be a customer-centric and professionally managed organization, and its mission to provide one-stop banking solutions through innovative technology and quality customer service. The document then describes the various products and services offered by SBBJ, including personal banking, NRI banking, government business, corporate banking, international banking, agriculture products, and more. It provides details on the bank's deposit schemes, loan offerings, and other services available to customers.
Advertising project with Ben & Jerry's brand.
As an academic project the team developed a 360 marketing strategy to boost the sales and brand of the company.
UCD15 Talk - Katherine Benjamin - "Can't someone else do it? When are we empo...UCD UK Ltd
Digital health services are meant to empower users to manage their own health, and lead to better informed, more engaged patients. To this end, user centred design has incredible potential to support people towards healthier lives, and alleviate pressure on health systems. However, to what extent has the rhetoric of empowerment in the context of technology been diluted to the point that when we speak of "empowering users", what we really mean is "let's get the service user to do our job for us" .
While it is easy to become disillusioned with erosion of the empowerment agenda's activist roots, user centred design, by its very nature, allows for a fundamental change in power dynamics between service users and service providers. This presentation will apply a social psychological lens to academic theory, industry best practice, and real-world stories outlining the intersection between empowerment and digital design.
The textile industry is Bangladesh's largest export sector, accounting for over 75% of total exports. However, the industry faces many challenges that threaten its competitiveness. These include outdated machinery and lack of research/development; high production costs due to energy shortages, inflation, and interest rates; and safety issues damaging international confidence after disasters like Rana Plaza. To address these challenges, recommendations include improving infrastructure like energy access; expanding technical skills and access to capital; diversifying export markets; and strengthening workplace safety standards.
The document outlines a marketing campaign called "Be The Trend Setter" for the brand Comptoir de Cotonniers. The campaign has three phases: 1) Digital photo shoots in selected stores to engage customers, 2) Featuring customer photos in the online catalog and fashion show, 3) Choosing top models from phase 2 to participate in a fashion show. The goals are to reengage customers, improve online engagement and sales, and attract new millennial customers. Key aspects of the campaign include digital photo studios in stores, an online component, metrics to track success, and communication through various online and offline channels.
- The number of billionaires is expected to double to 2,200 by 2020, which will have trickle down effects on smaller markets.
- 55% of rich homeowners prefer owning multiple lifestyle-focused homes for activities like skiing, golf, and beach-going, and 58% already own multiple homes.
- While bigger homes were once preferred, 60% now choose upgrades over square footage, and 94% would give up 1,000 square feet for amenities like better neighborhoods, character homes, land, and access to entertainment.
- In addition to tech features, the rich also value non-tech amenities like outdoor living spaces, fire pits, and separate guest houses.
This document describes 10 cleaning products (TASKI R1-R6, R8-R9, R50) designed by Sunil Kumar for commercial cleaning applications. It provides details on the product description, benefits, use instructions, and technical specifications for each cleaner. The products are designed to clean surfaces like toilets, glass, furniture, air, and floors in a safe and effective manner.
The document discusses how brands are shifting from brand positioning to brand purpose. It provides examples of brands like Patagonia, Coca-Cola, and Nike that have articulated a social or environmental purpose beyond just selling products. The document argues that by connecting with consumers' values through a clearly defined purpose, brands can build stronger relationships and drive growth.
The document outlines a brand strategy for The Gentleman's Journal magazine. It identifies problems with the current positioning, which tries to appeal to both aspirational and inspirational readers but ends up pleasing neither. The strategy recommends focusing on either the aspirational 24-30 year olds or the inspirational 30-45 year olds. It also suggests better defining the target audience and developing a coherent brand identity, image, personality and equity to improve the magazine's competitive positioning.
Here are the types of clothing fabric that you commonly see on a daily basis and some interesting information about each one that you may appreciate if you are a clothing fabric enthusiast.
The document provides information about a book series on luxury published by Palgrave Macmillan. It discusses the aim of the series, which is to offer an integrated perspective on luxury management by exploring topics like sustainability, counterfeiting, consumption trends, and international luxury markets from multiple disciplinary perspectives grounded in business. The series aims to fill a significant gap in understanding the unique management challenges of the luxury industry. It also provides contact information for the series editors and a link for more information about the series.
- The Kotak Mahindra group established the Kotak Mahindra Finance Limited in 1985 in India, which was the group's flagship non-banking financial company.
- In 2003, Kotak Mahindra Finance Ltd was granted a banking license by the Reserve Bank of India, becoming the first company in Indian banking history to convert from a non-banking financial company to a bank.
- Kotak Mahindra Bank Ltd is now the flagship banking company of the Kotak Mahindra Group, with a presence in commercial vehicles, retail finance, corporate banking, treasury and housing finance.
The document describes several manual cleaning equipment items for floors, glass, and restrooms including:
1. Dry mop sets of different sizes for dusting floors.
2. A microfiber dry mop set that reduces injuries from bending and reaching.
3. A scissor mop for large area cleaning.
4. Wet mop sets for scrubbing floors.
5. Buckets, wringers, and trolleys for wet mopping systems.
This PPT includes the explanation on various types of Electronic payment systems used its working and the recent trends in E-commerce and Electronic payments with special reference to India, It also speaks of various security issues related with e commerce and the use of e-payment systems.
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3. ABSTRACT
• The present research was conducted to assess “New age
financial products & their role in transforming modern
banking”. The objective was to study that the new age banking
products have played a major role in changing the
buying/transactional behaviours in the recent times . A sample
size of 60 respondents was taken from Jammu of J&K bank
customers. The tools used for data collection were Self
structured questionnaire to measure the responses. These new
age banking products were studied to review how they
transformed modern Banking: ATM, Credit Cards, Debit
Cards, E-Banking and SMS Banking.
4. REVIEW OF LITERATURE
Ramalingam P. (2008) studies the usage pattern of credit card
holders of SBI, ICICI and ABN banks of Kanchipuram town
in Tamil Nadu. The study concludes that higher income group
and married persons utilizes the cards to the maximum mainly
for impulse purchases due to convenience and Citibank cards
are more popular because of dominance in advertising. The
study also reveals that Master and VISA cards are the leading
card brands in India and suggests the banks to improve overall
functioning to provide satisfied credit card services.
5. REVIEW OF LITERATURE
• Dixit.N. et al; (2010) in her study investigates on how the
customers perceive the value of Internet banking over the
traditional way of banking. Primary data was collected
from 250 respondents, through a structured questionnaire.
Statistical analysis, descriptive statistics and correlation
were used to know the perceived service quality of
Internet banking (IB) and level of satisfaction between
customers in India. The finding depicts many factors such
as perceived value, perceived service quality; customer
satisfaction and their loyalty have significant impact on a
customer acceptance of Internet banking.
6. REVIEW OF LITERATURE
• Gan et al; (2007) conducted a research to examine consumers'
choices between electronic banking and non-electronic
banking in New Zealand. Internet banking is no longer a
competitive advantage but a competitive necessity for banks.
The findings in the paper show that the output from the logistic
regression indicates that the service quality, perceived risk
factors, user input factors, employment, and education were
the dominant variables that influence consumers' choice of
electronic banking and non-electronic banking channels.
7. DEBIT CARDS
• A Debit Card (also known as a Bank card or check card) is
a plastic payment card that provides the cardholder electronic
access to their Bank account(s) at a financial institution. Some
cards may bear a stored value with which a payment is made,
while most relay a message to the cardholder's Bank to
withdraw funds from a payer's designated Bank account
Types:
• Instant Debit Card
• Personalized Debit Card
8. Issuance fees of EMV instant Debit Card – RS 100/-
Issuance fees of EMV personalized Debit Card – RS 200/-
Annual fee EMV instant & personalised Debit Card RS 35/-
per quarter
• EMV: The chip is embedded on the card and contains all
information in an encrypted format. It also comes with a
personal identification number (pin). This technology has to
comply with standards developed by Europay, Mastercard And
VISA (EMV).
9. GLOBAL ACCESS CARDS - DEBIT
CARDS
Features:
• Pin based – Maestro/Cirrus Debit Card
• Accepted at all domestic as well as International Mastercard,
Maestro, Cirrus enabled ATM’s & Point of Sale locations.
• Accepted at NPCI (NFS) ATM’s
• No transaction fee at J&K Bank ATM”s
• Provides online access to savings or current account
• No transaction fee on purchase
10. CREDIT CARDS
• A Credit Card is part of a system of payments named after the
small plastic card issued to users of the system. It is a card
entitling its holder to buy goods and services based on the
holder's promise to pay for these goods and services. The
issuer of the card grants a line of credit to the consumer (or the
user) from which the user can borrow money for payment to a
merchant or as a cash advance to the user.
11. SMART CARD:
Banks are adding chips to their current magnetic stripe cards to
enhance security and offer new service, called smart cards.
Smart cards allow thousands of times of information storable
on magnetic stripe cards. In addition, these cards are highly
secure, more reliable and perform multiple functions. They
hold a large amount of personal information, from medical and
health history to personal Banking and personal preferences.
12. FEATURES
• Pin based -maestro / cirrus Debit Card
• Provides online access to savings or current account.
• Accepted at all domestic as well as International
Mastercard™, Maestro™, Cirrus™ enabled ATM's and point
of sale locations.
• Accepted at National Financial Switch (NFS) ATM's.
• No transaction fee at J&K Bank ATM's
• No transaction fee on purchases
13. Particulars Charges
Issuance fee Chip based card : RS .200/- plus taxes
Annual fee RS. 300/- plus taxes
Renewal fee Chip based card : RS .300 /- plus taxes
Add – on card Chip based card : RS .300 /- plus taxes
Service charges/ intrest rate
( purchase/ cash)
2.25 per month
Payment fee RS 100/- plus taxes
14. Types of cards : Blue empowerment card, Silver empowerment
card , Gold empowerment card
Eligibility : Annual income
For salaried -above RS 80,000.00
For self employed -above RS. 1,50,000.00
Credit limits:
Blue empowerment card- upto RS.25,000.00
Silver empowerment card-upto RS.50,000.00
Gold empowerment card-upto RS.1,00,000.00
Rate of interest - 2.25% per month
15. DEBIT & CREDIT CARDS CAN BE
FUNCTIONED IN THREE WAYS:
• ATM card/withdrawal of money
• Online - now a days the people can buy the commodities
online through payments by Debit Card & Credit Card
• By sales at POS
16. POS MACHINE
• A point of sale/service (POS) machine is used to conduct retail
transactions. It can provide many services, including Credit
Card processing, check reading and cash transactions,
depending on the model. These devices can be found virtually
anywhere, from grocery stores to gas stations. The technology
used in POS machines results in a speedy and secure
transaction.
17.
18. 1
1)Types of point of sale terminals
.
Sno. Type of
terminal
One time
installati
on
charges
Monthly charges / rentals Instru
ment
charges
1
Fixed
POS
RS.500
RS.350
Nil
Free of monthly rentals if
average monthly sales is
minimum RS.25000/=in a
half year.*
2 GPRS
POS
RS.1500 RS.650/= ** Nil
Following two POS terminals are available for installation at
merchant locations
19. 2) CHARGES / MONTHLY RENTALS
Sno. Type of
terminal
One time
installati
on
charges
Monthly charges / rentals Instrum
ent
charges
1
Fixed
POS
RS.500
RS.350
Nil
Free of monthly rentals if
average monthly sales is
minimum RS.25000/=in a
half year.*
2 GPRS
POS
RS.1500 RS.650/= ** Nil
The installation charges and monthly rentals shall be applicable as below:
20. 3) MERCHANT SERVICE FEE (MSF)
Type of card J&K Bank cards Other Bank cards
Debit Card
(domestic)
Up to RS.2000 0.75% 0.75%
Above RS.2000 1.00% 1.00%
Debit Card
(international)
All transactions N.a. 1.5%
Credit Card All transactions 1.3% 1.5%
Transaction charges recoverable from merchants on the transaction
carried through POS are as under:
21. FEATURES
• POS machines offer the ability to automate many tasks that
have historically required human oversight. These machines
can scan Credit Cards, authorize the charge, and even accept a
digital signature. POS machines can even synchronize with the
local area network of the business, and automatically update
balances and inventory with each completed transaction.
22. ATM MACHINES
• ATM is designed to perform the most important
function of Bank. It is operated by plastic card with its
special features. The plastic card is replacing cheque,
personal attendance of the customer, Banking hours
restrictions and paper based verification. There are
Debit Cards. ATMs used as spring board for electronic
fund transfer. ATM itself can provide information about
customers account and also receive instructions from
customers - ATM cardholders.
23. • An ATM is an electronic fund transfer terminal
capable of handling cash deposits, transfer
between accounts, balance enquiries, cash
withdrawals and pay bills.
• It may be on-line or 0ff-line.
• Any customer Possessing ATM card issued by
the shared payment network system can go to
any ATM linked to shared payment networks
and perform his transactions.
24. E-BANKING
• Internet Banking (or E-Banking) means any user with a
personal computer and a browser can get connected to his
Bank -s website to perform any of the virtual Banking
functions. In internet Banking system the Bank has a
centralized database that is web-enabled. All the services that
the Bank has permitted on the internet are displayed in menu.
Any service can be selected and further interaction is dictated
by the nature of service.
25. E-BANKING
Banking products in India into 3 types based on the levels of
access granted. They are:
• Information Only System
• Electronic Information Transfer System
• Fully Electronic Transactional System
26. SERVICES PROVIDED BY E-
BANKING:
• Bill payment
• Fund transfer
• Credit Card bills
• Railway pass
• Investing online
• Recharging prepaid phones
• Shopping
27. SMS BANKING
• SMS Banking is a service that allows customers to access their
account information via Mobile phone. SMS Banking services
are operated using both push and pull messages.
• Customers who maintain an account, with J&K Bank having
internet Banking facility enabled for the account.
28. FEATURES
• Account balance inquiry
• Transaction inquiry
• Cheque status inquiry
• Password change
• Suspending self
29. SURVEY METHODOLOGY
The survey is conducted in the Jammu region of the state. The targeted
population is the customers of the J&K Bank.
The collection of the necessary information to fulfil this report was through
primary data and secondary data which is as follows:
Primary data: the primary data has been collected with the aid of self
structured questionnaire. The self structured questionnaire was presented to
the customers and the prospects with the aim to check the factors that lead
to their preference of the services of the J&K Bank and try to explore some
areas in which they found the services inadequate
Secondary data: this data was collected from various sources such as annual
reports, magazines and from companies records i.e. Analysis of org reports,
etc
A sample size of 60 respondents was taken from jammu of J&K bank
customers &.Self structured questionnaire has been used to measure the
responses.
46. COMPETITORS OF JAMMU &
KASHMIR BANK :
Some of the main competitors of Jammu &
Kashmir Bank in Jammu.
• SBI BANK
• PUNJAB NATIONAL BANK
• ICICI BANK
• HDFC BANK
• AXIS BANK
• UNION BANK OF INDIA
47. CONCLUSION
• The new age financial products like Debit Card, Credit Card,
POS, SMS Banking & E- Banking have changed the scenario
in past time .
• People have developed a habit of using more plastic money
for their day to day transaction/ home affairs. Small needful
daliy activities like recharging dish tv or paying
electricity/Mobile bills is done through plastic money.
• Also while shopping they use their cards & make best use of
opportunities available in the market.
• Now, they prefer to withdraw their money through ATM by
Debit Cards which in turn reduces the footfall of customers in
Banks with the purpose of withdrawl of small amounts from
their own accounts.
48. CONCLUSION
• The customers get instant accounts update through SMS
Banking
• It has been observed that people prefer doing online
transaction through Debit Cards; they don’t want to rely on
undue credit from Bank.
• Now they have transformed themselves with the modern
Banking tools by dealing with their accounts through E-
Banking, however for inter Bank transfer they prefer to
personally deposit but they should inculcate a habit through E-
Banking and make their transaction easy.
• For shopping, leisure, and basic needs people have
transformed themselves from cash to cards.
49. CONCLUSION
• They are also satisfied by the services provided by Bank.
• Flow of plastic money has increased from the past in
Jammu as such but there is still a good market available
for these products which can be done through marketing
intelligence ( marketing intelligence system).
• So, it has been analysed through our study that the new
age banking products have played a major role in
changing the buying/transactional behaviours in the
recent times and thus have changed modern Banking
scenario.
50. LIMITATIONS OF THE STUDY
• Some of the persons were not so responsive.
• Possibility of error in data collection because many of investors may
have not given actual answers of my questionnaire.
• Sample size is limited to 60 visitors of Jammu & Kashmir Bank.
• The research is confined to a certain part of Jammu
• To maintain the secrecy full information is not given by the company.
• As I was involved in the sales team time was the constraint to complete
the study.
• The accuracy of the result is limited to the reliability of methods of
investigation and analysis of data.
51. RECOMMENDATIONS
• The Jammu and Kashmir Bank should appoint Direct Selling
Agents (DSA’S), which has almost become a necessity in
modernized Banking culture to attract new businesses.
• J&K Bank should devise some aggressive marketing strategies
to expand its market
• The financial services like Credit Cards should be advertise in
the various branches of the Bank and the customers should be
made aware of the services via SMS and E-mail
• The process cycle should take less time to response in
providing financial services to the customers so as to increase
the customer satisfaction
52. RECOMMENDATIONS
• The J&K Bank generally pay less heed in providing loans to
the salaried people in the private sector, whereas their
competitors like the ICICI Bank are. This is an avenue, which
J&K Bank should walk.
• The loyal merchants should be given some more discounts so
that they would not switch to other vendors it can be like that
at the merchant’s location a small card should be kept
depicting about the attractive schemes of the Bank and benefits
of using Credit Cards.
• The billing system of the Credit Cards should be made easy
for the customers. It may be like that the payment should be
debited from the customer’s account automatically with the
customer consent.
53. REFERENCES
• Amin, H.,“Internet Banking Adoption among Young Intellectuals,”Journal
of Internet Banking and Commerce, vol. 12, no.3.2007.
• Chan, S. C. & Lu, M. T. 2004.Understanding Internet banking adoption and
use behavior: a Hong Kong perspective, Journal of Global Information
Management, 12(3), 21-43.
• Dixit.N., Saroj.K.D “Customer Perception On Internet Banking And Their
Impact On Customer Satisfaction & Loyalty: A Study In Indian
Context.Journal Of Computing, Volume 2, Issue 7, July 2010.
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