This document summarizes an article from the International Journal of Management that examines the usage and impediments of technology-enabled services in the Indian banking sector. It provides background on the evolution of information technology in banking in India since the 1970s. It then describes the objectives and methodology of the study, which involved surveying 462 customers in Chennai on their awareness and satisfaction with various technology services offered by banks. The results found that most respondents using these services were aged 21-30, had an undergraduate education, worked in the private sector, and earned less than 3 lakhs annually. Awareness and satisfaction with services varied by education levels. The document concludes by outlining some of the key problems customers face in using technology
A Study on Factors of E Banking Challenges in Indiaijtsrd
The customer uses the banking services through online banking, mobile phone banking and automated teller machine these were are called as 'E Banking. This study aimed to describe the customer view about the banking services through E banking. Customer service is also a part of the banking, this paper will tell about the customer satisfaction level about the e banking will explain through the pilot study. Dr. S. Saravanan | M. Dharani "A Study on Factors of E-Banking Challenges in India" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-4 , June 2020, URL: https://www.ijtsrd.com/papers/ijtsrd31147.pdf Paper Url :https://www.ijtsrd.com/management/accounting-and-finance/31147/a-study-on-factors-of-ebanking-challenges-in-india/dr-s-saravanan
This document summarizes an article from the International Journal of Management (IJM) that discusses trends in electronic banking (e-banking) in India. The article provides an abstract of the paper and discusses the transformation of the Indian banking sector through the adoption of technology. It reviews literature on future trends and analyzes key trends like globalization, digitalization, and changing demographics that will impact banking services. The trends are discussed in terms of their potential effects on e-banking.
A Study on Role of Technology in Banking Sectorijtsrd
The purpose of this study is to examine the relationship between new technology implementation in banking sector and customers How they are aware about the technologies and how they are using it Data for this study was collected from the customers of various Banking Sectors under the Reserve Bank of India A simple percentage analysis and pie chart will be done According to questioners 30 samples are collected and interpretations are given Findings suggest that most of the customers of bank using ATM facility So the banks need to give awareness about the E-banking services Lastly, the paper is of few papers that focus on technology development in banking industry Aswin Raj. T | Mr. Bala Nageshwara Rao "A Study on Role of Technology in Banking Sector" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-2 | Issue-6 , October 2018, URL: http://www.ijtsrd.com/papers/ijtsrd18357.pdf
The document discusses e-payment systems in rural India and associated issues and challenges. It notes that while e-payment has developed rapidly in cities, adoption in rural areas still lags behind due to several factors. These include low literacy rates, a lack of technological skills, slow internet speeds, low financial literacy, a lack of trust in cashless transactions, and lack of awareness about e-payment methods. Addressing these challenges through improved education and awareness efforts will be important to expanding digital payments across India.
Impacts of Information Technology on Banking Industry A Case Study of Akure B...ijtsrd
As information technology is the modern trend on banking today, its very imperative for banks to access its impact operational performance so as to justify if the capital invested on it is Justifiable or not, analyze their problem and profit possible solutions. The objective of this research is to examine how the adoption of information technology affects the operations of commercial banks and the impact of information technology on banks and customer relationship. The main research instruments used are questionnaire from staffs and customers of the bank,156 questionnaire were distributed and 150 questionnaire were administered. The simple frequency percentage was adopted as the statistical measure and hypothesis testing was analyzed using chi square statistical tool, at 0.05 level of significance to show whether they should be upheld or rejected. The results of this research affirmed that there is significant relationship between management disposition and the utilization of information technology by banks in Nigeria. In conclusion, the study reward that information technology has tremendously improved growth and performance of the Nigeria commercial banks. Information technology has lead to increase customer satisfaction, improved operational efficiency, reduced transaction time, and gives the bank a competitive edge. The study recommends that every bank in Nigeria should not only invest heavily on IT especially the point of sales POS , but should distribute same to business outlets where business owners and customers will have access to smooth and hassle free transactions. It is therefore necessary for the government to emphasize the need for more policies that will boost the efficiency in utilization of IT equipment by reducing the cost of acquiring them so as to reduce cost and boost the growth of the economy. Consequently, it is hereby suggested that further studies be carried out on the impact of Information Technology on development finance institutions. Olaitan S. K | Arijeniwa O. C "Impacts of Information Technology on Banking Industry (A Case Study of Akure Bank Area)" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd45242.pdf Paper URL: https://www.ijtsrd.com/management/management-development/45242/impacts-of-information-technology-on-banking-industry-a-case-study-of-akure-bank-area/olaitan-s-k
Effect of Electronic Banking on Financial Performance of Deposit Taking Micro...iosrjce
IOSR Journal of Business and Management (IOSR-JBM) is a double blind peer reviewed International Journal that provides rapid publication (within a month) of articles in all areas of business and managemant and its applications. The journal welcomes publications of high quality papers on theoretical developments and practical applications inbusiness and management. Original research papers, state-of-the-art reviews, and high quality technical notes are invited for publications
This document summarizes an article from the International Journal of Management that analyzes paper-free payment systems in India from 2003-2004 to 2012-2013. It finds that electronic payments have grown significantly in both volume and value compared to paper-based payments like cheques during this period. Electronic payments saw huge growth rates in some years, like 342% from 2007-2008. While paper-based payments declined slightly at times, electronic modes like NEFT, debit cards, credit cards, and ECS consistently increased by double-digit percentages annually. The growth of electronic payments bodes well for the economy and corporate sector in moving towards a less-cash society in India.
A Study on Factors of E Banking Challenges in Indiaijtsrd
The customer uses the banking services through online banking, mobile phone banking and automated teller machine these were are called as 'E Banking. This study aimed to describe the customer view about the banking services through E banking. Customer service is also a part of the banking, this paper will tell about the customer satisfaction level about the e banking will explain through the pilot study. Dr. S. Saravanan | M. Dharani "A Study on Factors of E-Banking Challenges in India" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-4 , June 2020, URL: https://www.ijtsrd.com/papers/ijtsrd31147.pdf Paper Url :https://www.ijtsrd.com/management/accounting-and-finance/31147/a-study-on-factors-of-ebanking-challenges-in-india/dr-s-saravanan
This document summarizes an article from the International Journal of Management (IJM) that discusses trends in electronic banking (e-banking) in India. The article provides an abstract of the paper and discusses the transformation of the Indian banking sector through the adoption of technology. It reviews literature on future trends and analyzes key trends like globalization, digitalization, and changing demographics that will impact banking services. The trends are discussed in terms of their potential effects on e-banking.
A Study on Role of Technology in Banking Sectorijtsrd
The purpose of this study is to examine the relationship between new technology implementation in banking sector and customers How they are aware about the technologies and how they are using it Data for this study was collected from the customers of various Banking Sectors under the Reserve Bank of India A simple percentage analysis and pie chart will be done According to questioners 30 samples are collected and interpretations are given Findings suggest that most of the customers of bank using ATM facility So the banks need to give awareness about the E-banking services Lastly, the paper is of few papers that focus on technology development in banking industry Aswin Raj. T | Mr. Bala Nageshwara Rao "A Study on Role of Technology in Banking Sector" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-2 | Issue-6 , October 2018, URL: http://www.ijtsrd.com/papers/ijtsrd18357.pdf
The document discusses e-payment systems in rural India and associated issues and challenges. It notes that while e-payment has developed rapidly in cities, adoption in rural areas still lags behind due to several factors. These include low literacy rates, a lack of technological skills, slow internet speeds, low financial literacy, a lack of trust in cashless transactions, and lack of awareness about e-payment methods. Addressing these challenges through improved education and awareness efforts will be important to expanding digital payments across India.
Impacts of Information Technology on Banking Industry A Case Study of Akure B...ijtsrd
As information technology is the modern trend on banking today, its very imperative for banks to access its impact operational performance so as to justify if the capital invested on it is Justifiable or not, analyze their problem and profit possible solutions. The objective of this research is to examine how the adoption of information technology affects the operations of commercial banks and the impact of information technology on banks and customer relationship. The main research instruments used are questionnaire from staffs and customers of the bank,156 questionnaire were distributed and 150 questionnaire were administered. The simple frequency percentage was adopted as the statistical measure and hypothesis testing was analyzed using chi square statistical tool, at 0.05 level of significance to show whether they should be upheld or rejected. The results of this research affirmed that there is significant relationship between management disposition and the utilization of information technology by banks in Nigeria. In conclusion, the study reward that information technology has tremendously improved growth and performance of the Nigeria commercial banks. Information technology has lead to increase customer satisfaction, improved operational efficiency, reduced transaction time, and gives the bank a competitive edge. The study recommends that every bank in Nigeria should not only invest heavily on IT especially the point of sales POS , but should distribute same to business outlets where business owners and customers will have access to smooth and hassle free transactions. It is therefore necessary for the government to emphasize the need for more policies that will boost the efficiency in utilization of IT equipment by reducing the cost of acquiring them so as to reduce cost and boost the growth of the economy. Consequently, it is hereby suggested that further studies be carried out on the impact of Information Technology on development finance institutions. Olaitan S. K | Arijeniwa O. C "Impacts of Information Technology on Banking Industry (A Case Study of Akure Bank Area)" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd45242.pdf Paper URL: https://www.ijtsrd.com/management/management-development/45242/impacts-of-information-technology-on-banking-industry-a-case-study-of-akure-bank-area/olaitan-s-k
Effect of Electronic Banking on Financial Performance of Deposit Taking Micro...iosrjce
IOSR Journal of Business and Management (IOSR-JBM) is a double blind peer reviewed International Journal that provides rapid publication (within a month) of articles in all areas of business and managemant and its applications. The journal welcomes publications of high quality papers on theoretical developments and practical applications inbusiness and management. Original research papers, state-of-the-art reviews, and high quality technical notes are invited for publications
This document summarizes an article from the International Journal of Management that analyzes paper-free payment systems in India from 2003-2004 to 2012-2013. It finds that electronic payments have grown significantly in both volume and value compared to paper-based payments like cheques during this period. Electronic payments saw huge growth rates in some years, like 342% from 2007-2008. While paper-based payments declined slightly at times, electronic modes like NEFT, debit cards, credit cards, and ECS consistently increased by double-digit percentages annually. The growth of electronic payments bodes well for the economy and corporate sector in moving towards a less-cash society in India.
Impact of Information Technology on Performance of Banks in NigeriaAJHSSR Journal
Over the last two decades, the Nigerian banking sector has witnessed some upsurge in the use
of technology for service delivery. However, concerns have been expressed as to whether cost and other
challenges of adopting information technology can be justified by performance. Accordingly, this study sought
to examine the relationship between different e-banking channels and the profitability of organisations in
Nigeria. Four e-banking channels,(automatic teller machines, point of sales, internet banking transactions and
electronic mobile banking) were identified and regressed against return on equity (ROE) of Deposit Money
Banks operating in Nigeria between 2006 and 2016. A panel data regression model was formulated and tested
using the generalized method of moment approach. The result revealed that the overall impact of electronic
banking on profitability of Deposit Money Banks operating in Nigeria was significant and positive. The study
recommends that critical stakeholders and beneficiaries of electronic banking – the government, regulatory
authorities and the banks should collaborate to put in place an enabling operating environment and an effective
regulatory framework to bring about optimal deployment of these services to customers
Digital Technologies in Customs and Prospects for Creating an Electronic Envi...ijtsrd
the article deals with the automation of customs control and clearance processes, the creation of convenience for entrepreneurs, the provision of public services in electronic form, digitization of interaction with customs services and departments in order to implement modern measures for the development of customs administration, improving the efficiency of customs. Suyunov Abdunor Miltikboyevich | Nasirova Sevinch Ilkhomjon Kyzy "Digital Technologies in Customs and Prospects for Creating an Electronic Environment" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-6 , October 2021, URL: https://www.ijtsrd.com/papers/ijtsrd47739.pdf Paper URL : https://www.ijtsrd.com/humanities-and-the-arts/environmental-science/47739/digital-technologies-in-customs-and-prospects-for-creating-an-electronic-environment/suyunov-abdunor-miltikboyevich
IOSR Journal of Business and Management (IOSR-JBM) is an open access international journal that provides rapid publication (within a month) of articles in all areas of business and managemant and its applications. The journal welcomes publications of high quality papers on theoretical developments and practical applications inbusiness and management. Original research papers, state-of-the-art reviews, and high quality technical notes are invited for publications.
Unified National Electoral System (UNES)IRJET Journal
1) The document proposes a Unified National Electoral System (UNES) that uses Aadhaar cards instead of voter ID cards for Indian elections.
2) It outlines some issues with the current system, including a long enrollment process, possibility of duplicate/fake entries, and difficulties authenticating voters.
3) The proposed system would use Aadhaar numbers and biometric authentication at polling stations instead of voter ID cards. This could reduce issues and increase efficiency, transparency, and voter turnout.
1. The document discusses the impact of information and communication technologies (ICTs) on the strategic management of financial institutions.
2. It finds that ICTs have contributed significantly to improving operations and management across various departments in banks like marketing, customer service, and human resources.
3. Benefits of ICT implementation for banks included better online and offline customer support, increased sales volumes, and reduced queues in bank halls.
This document provides an overview of a research study on e-commerce adoption in Indonesia. It discusses factors that influence e-commerce adoption in developing countries like political conditions, economic factors, technology infrastructure and more. It then provides details on e-commerce adoption levels and benefits. The study aims to assess e-commerce adoption in Indonesia by examining the adoption level, benefits, challenges and problems organizations face. Preliminary findings indicate positive growth of e-commerce in Indonesia.
Business & Industrial Analysis on IT and Telecom Sector By Subham(intern at I...Subham Sahu
The document provides an industry analysis of the Indian IT and telecom sectors, outlining key trends such as growth in cloud computing, enterprise applications, and software testing in the IT industry. It also discusses the rapid growth of the Indian telecommunications market in recent years, as well as the billion dollar value added services industry. The analysis examines opportunities and challenges facing startups in various subsectors of the IT and telecom industries.
Adoption of technological innovations on organizational performance, case ...Alexander Decker
This document discusses factors that influence the adoption of internet banking (IB) technologies by commercial banks in Kenya. It finds that larger banks were earlier adopters of IB, with 96% of banks with over $24 billion in assets having websites in 2006, compared to 51% of smaller banks. The study surveyed financial managers at Kenyan banks to identify factors driving and hindering IB adoption. It found that increasing bank assets, imitating early adopters, and specializing in consumer lending drove adoption, while competition, average bank age hindered it. The study recommends banks increase assets, learn from early adopters, specialize in consumer lending, and form alliances to enhance IB adoption.
There has been tremendous growth in mobile banking penetration in many countries in the developed and
developing economies and most interestingly in a number of developing countries such as Nigeria. Yet there are numbers of opportunities and threats in the mobile banking systems. However the major threat of mobile banking is its non-adoption by the banking customers. This research focuses on the perceived barriers to mobile banking adoption in Nigeria as a developing economy. The study adopted an exploratory qualitative method and this was conducted among banking customers spread across three regions of North, West and East of Nigeria. The basis of participants’ selection was being active customers of the Nigerian banks. Findings indicate that there is intention to adopt the mobile banking services; unfortunately, the
intentions cannot be translated into action due mainly to lack of trust on issues such as the delivery
channels/technology, communication infrastructures, government policies, etc. Findings further revealed
that majority of respondents do not use internet and mobile banking services, due to several identified
barriers. There is however a preference for the traditional banking approaches as opposed to the mobile
banking services. The study recommends that banks and other financial institutions embark on massive
awareness campaign.
In the present situation, India is the finest destination for IT and IT enabled services through technopreneurs
in the world. The IT and IT enabled corporation in India was recognized by all over the universe for their
effective business related activities. The Indian IT industry has got a great success and also contributes a
lot in development of the economy. Electronics Corporation of Tamil Nadu Limited has been established
in the year 1977 and it has successfully completed its forty years of service towards the growth of the
nation’s economy as well as to give employment opportunities directly and indirectly to the society. ELCOT
is the IT hub for the technopreneurs in Tamil Nadu and allows its members to explore their talents all
over the world to satisfy the demands. This article describes the growth and expansion, current projects
with the major achievements of ELCOT in the current decade.
The Importance of Information Technology Implementation in Facing Industrial ...ijtsrd
Technology has taken a big role in all aspects of human life. From the way we work, to the way we spend time to having fun, technology has changed everything including the way humans to run banking activities. The existence of a bank has a large function around human life. Previously, banks were only known to those who wanted to save some of their money, now the functions and activities of bank operations are increasingly diverse. The bank is now accommodating the various needs of the community for financial services. Starting from transferring funds in real time between accounts, payment and receipt of salaries, payments for goods and services, to make financial investments can be done through this institution. Indonesian banks are demanded to develop in line with Industry 4.0, where everything has been done using IT. Banks must also improve their quality through the advancement of existing fintech. The thing that is really considered by consumers is the speed and ease in conducting transactions wherever the customer is. Ninuk Muljani | Lena Ellitan | Jurusan Manajemen "The Importance of Information Technology Implementation in Facing Industrial Revolution 4.0: Case Study of Banking Industry" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-1 , December 2019, URL: https://www.ijtsrd.com/papers/ijtsrd29557.pdfPaper URL: https://www.ijtsrd.com/management/innovation-and-product-dev/29557/the-importance-of-information-technology-implementation-in-facing-industrial-revolution-40-case-study-of-banking-industry/ninuk-muljani
Two items of perceived ease of use, four items of perceived benefits and two items of perceived barriers critically affect adoption of ATMs in Ghanaian banking according to a survey. A confirmatory factor analysis validated a research model showing the relationships between these factors and ATM adoption. The findings provide a basis for customer-driven ATM strategies and confirm prior understanding of technology adoption factors in electronic banking, though the study had limitations.
Conceptualizing a Model for Online Shopping Intension: A Literature ReviewIJLT EMAS
- Internet marketing and online shopping have opened
the gates not only for big, small and medium enterprises (SMEs),
it has created immense opportunities for startups of India, to
market their products (both goods and services) globally. But
though there is significant development of the internet
technologies, internet facilities and services, still the online sale is
not significant compared to the sale through retail. Hence, this
study is undertaken to find the factors that will improve online
sales. The literature available in the internet is reviewed to
understand and find the influencing factors for online shopping.
The findings are that there are two major categories of
influencing factors, namely motivating and restricting factors,
which affects the customers’ intension to use online shopping for
purchase. Based on these findings a model has been
conceptualized. In the proposed model, the construct variables
are motivating factors and restricting factors and the dependent
variable is intension to buy online.
Consumer acceptance of online banking an extension of the technology accepta...OUM SAOKOSAL
This document provides an introduction to a study investigating online banking acceptance through the lens of the technology acceptance model (TAM). It begins with background on the growth of online banking in Europe and Finland compared to the US. The authors then define online banking as services allowing transactions through bank websites. The goal of the study is to better understand factors influencing online banking acceptance based on TAM and prior e-banking research. The document outlines the literature review, methodology, results/analysis structure to follow in the paper.
Integration of TTF, UTAUT, and ITM for mobile Banking AdoptionIJAEMSJORNAL
The introduction of mobile banking facility has enabled customers to carry out banking transactionswith the use of smartphones and other handheld devices from anywhere. It has become a luxurious and exclusive method of online payments. The recent growth of telecommunication sector and a tremendous increase in mobile usage has opened new doors for sparking future of banking sector industry. The following research is aimed to find out the mobile banking adoption attitudes with the integration of TTF, UTAUT,and ITM models.
Empirical study of the use of automated teller machine (atm) among bank custo...Alexander Decker
This study examined bank customers' use of automated teller machines (ATMs) in Ibadan, Nigeria. The researchers surveyed 182 bank customers and interviewed 12 more in-depth to understand the benefits and challenges of ATM use. Most respondents were younger adults who had been using ATMs for over two years primarily to withdraw cash. Respondents reported that ATMs offered convenience, quick funds transfer, and time savings. However, some also mentioned challenges like fear of robbery, technical issues, invalid transactions, and network failures. Overall, most respondents felt the benefits of ATMs outweighed the costs, with more female, younger, educated, and student customers agreeing. The study concluded that addressing ATM challenges could help more customers
The appearance of data innovation to each part of human life and business has been obvious to
the point that it doesn't should be complemented more. Data innovation has been of extraordinary
substance in managing an account framework. This examination expects to explore the impact of
data innovation in the saving money arrangement of Bank. The information are acquired both
through the clients and the workers. The information were then broke down utilizing the correct
rate and the 5-point Liker scale to decide the effect of Information innovation in the saving money
framework undertakings. The discoveries at that point demonstrated that Information innovation
adds to the saving money framework in three diverse routes as tails: IT spares the season of the
clients and the representatives obviously, IT chops down the costs and IT encourages the system
exchanges.
THE EFFECT OF SERVICE INFLUENCE FACTORS ON PERCEIVED USEFULNESS AND USE SATIS...IAEME Publication
The document describes a study that examines factors that influence the perceived usefulness and satisfaction of digital healthcare services. The study defines three key factors: personal influence factors like health concern and self-efficacy, information quality factors like information reliability, and social impact factors like social support. A survey was conducted of 364 digital healthcare service users in Korea to analyze the effects of these factors. The results showed that personal influence and social impact factors positively influenced perceived usefulness, while information quality did not. Personal influence and information quality factors positively influenced satisfaction, while social impact did not. The findings suggest that personal experience and information quality most significantly impact perceptions and satisfaction with digital healthcare services.
Barriers to Electronic Commerce Adoption in Small and Medium Enterprises in I...Shakir Ali
Globally internet has changed the way in which businesses were performed traditionally. Developed countries have benefited from implementing e-commerce. But, in case of emerging economies like India the adoption of ecommerce has been very slow due to challenges posed by a number of barriers. In India, though the large corporations have adopted e-commerce and successfully explored the business opportunities, the small and medium enterprises are yet to benefit from adopting e-commerce. This paper reflects on the barriers that the small and medium enterprises face in India in process of adoption of ecommerce. It analyses both the external and internal factors that affect the adoption of e-commerce.
The Chicago office of the Local Initiatives Support Corporation (LISC) retained Camiros to prepare strategic “quality-of-life plans” to guide programming for three CDCs operating in separate Chicago neighborhoods. The three CDCs and their neighborhoods are: 1) The Resurrection Project in the Pilsen neighborhood; 2) the Woodlawn Investment and Preservation Corporation in the Woodlawn Neighborhood; and 3) the Southeast Chicago Development Corporation in the South Chicago Neighborhood. Each CDC had achieved some success in promoting residential development within their respective neighborhoods. However, each was fulfilling only a portion of their mission. Lacking in the CDC’s activities were initiatives that would improve the overall quality-of-life within the neighborhood, which was needed in order to foster broad-based and sustainable neighborhood improvement. Camiros prepared a strategic action plan for each CDC that presented a specific program of projects to be undertaken. A step by step work plan was prepared to guide each CDC through the multi-year program. Camiros’ work emphasized practical, real-world project programming with the understanding that LISC intends to fund each CDC with $3-4 million to carry out the program.
Impact of Information Technology on Performance of Banks in NigeriaAJHSSR Journal
Over the last two decades, the Nigerian banking sector has witnessed some upsurge in the use
of technology for service delivery. However, concerns have been expressed as to whether cost and other
challenges of adopting information technology can be justified by performance. Accordingly, this study sought
to examine the relationship between different e-banking channels and the profitability of organisations in
Nigeria. Four e-banking channels,(automatic teller machines, point of sales, internet banking transactions and
electronic mobile banking) were identified and regressed against return on equity (ROE) of Deposit Money
Banks operating in Nigeria between 2006 and 2016. A panel data regression model was formulated and tested
using the generalized method of moment approach. The result revealed that the overall impact of electronic
banking on profitability of Deposit Money Banks operating in Nigeria was significant and positive. The study
recommends that critical stakeholders and beneficiaries of electronic banking – the government, regulatory
authorities and the banks should collaborate to put in place an enabling operating environment and an effective
regulatory framework to bring about optimal deployment of these services to customers
Digital Technologies in Customs and Prospects for Creating an Electronic Envi...ijtsrd
the article deals with the automation of customs control and clearance processes, the creation of convenience for entrepreneurs, the provision of public services in electronic form, digitization of interaction with customs services and departments in order to implement modern measures for the development of customs administration, improving the efficiency of customs. Suyunov Abdunor Miltikboyevich | Nasirova Sevinch Ilkhomjon Kyzy "Digital Technologies in Customs and Prospects for Creating an Electronic Environment" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-6 , October 2021, URL: https://www.ijtsrd.com/papers/ijtsrd47739.pdf Paper URL : https://www.ijtsrd.com/humanities-and-the-arts/environmental-science/47739/digital-technologies-in-customs-and-prospects-for-creating-an-electronic-environment/suyunov-abdunor-miltikboyevich
IOSR Journal of Business and Management (IOSR-JBM) is an open access international journal that provides rapid publication (within a month) of articles in all areas of business and managemant and its applications. The journal welcomes publications of high quality papers on theoretical developments and practical applications inbusiness and management. Original research papers, state-of-the-art reviews, and high quality technical notes are invited for publications.
Unified National Electoral System (UNES)IRJET Journal
1) The document proposes a Unified National Electoral System (UNES) that uses Aadhaar cards instead of voter ID cards for Indian elections.
2) It outlines some issues with the current system, including a long enrollment process, possibility of duplicate/fake entries, and difficulties authenticating voters.
3) The proposed system would use Aadhaar numbers and biometric authentication at polling stations instead of voter ID cards. This could reduce issues and increase efficiency, transparency, and voter turnout.
1. The document discusses the impact of information and communication technologies (ICTs) on the strategic management of financial institutions.
2. It finds that ICTs have contributed significantly to improving operations and management across various departments in banks like marketing, customer service, and human resources.
3. Benefits of ICT implementation for banks included better online and offline customer support, increased sales volumes, and reduced queues in bank halls.
This document provides an overview of a research study on e-commerce adoption in Indonesia. It discusses factors that influence e-commerce adoption in developing countries like political conditions, economic factors, technology infrastructure and more. It then provides details on e-commerce adoption levels and benefits. The study aims to assess e-commerce adoption in Indonesia by examining the adoption level, benefits, challenges and problems organizations face. Preliminary findings indicate positive growth of e-commerce in Indonesia.
Business & Industrial Analysis on IT and Telecom Sector By Subham(intern at I...Subham Sahu
The document provides an industry analysis of the Indian IT and telecom sectors, outlining key trends such as growth in cloud computing, enterprise applications, and software testing in the IT industry. It also discusses the rapid growth of the Indian telecommunications market in recent years, as well as the billion dollar value added services industry. The analysis examines opportunities and challenges facing startups in various subsectors of the IT and telecom industries.
Adoption of technological innovations on organizational performance, case ...Alexander Decker
This document discusses factors that influence the adoption of internet banking (IB) technologies by commercial banks in Kenya. It finds that larger banks were earlier adopters of IB, with 96% of banks with over $24 billion in assets having websites in 2006, compared to 51% of smaller banks. The study surveyed financial managers at Kenyan banks to identify factors driving and hindering IB adoption. It found that increasing bank assets, imitating early adopters, and specializing in consumer lending drove adoption, while competition, average bank age hindered it. The study recommends banks increase assets, learn from early adopters, specialize in consumer lending, and form alliances to enhance IB adoption.
There has been tremendous growth in mobile banking penetration in many countries in the developed and
developing economies and most interestingly in a number of developing countries such as Nigeria. Yet there are numbers of opportunities and threats in the mobile banking systems. However the major threat of mobile banking is its non-adoption by the banking customers. This research focuses on the perceived barriers to mobile banking adoption in Nigeria as a developing economy. The study adopted an exploratory qualitative method and this was conducted among banking customers spread across three regions of North, West and East of Nigeria. The basis of participants’ selection was being active customers of the Nigerian banks. Findings indicate that there is intention to adopt the mobile banking services; unfortunately, the
intentions cannot be translated into action due mainly to lack of trust on issues such as the delivery
channels/technology, communication infrastructures, government policies, etc. Findings further revealed
that majority of respondents do not use internet and mobile banking services, due to several identified
barriers. There is however a preference for the traditional banking approaches as opposed to the mobile
banking services. The study recommends that banks and other financial institutions embark on massive
awareness campaign.
In the present situation, India is the finest destination for IT and IT enabled services through technopreneurs
in the world. The IT and IT enabled corporation in India was recognized by all over the universe for their
effective business related activities. The Indian IT industry has got a great success and also contributes a
lot in development of the economy. Electronics Corporation of Tamil Nadu Limited has been established
in the year 1977 and it has successfully completed its forty years of service towards the growth of the
nation’s economy as well as to give employment opportunities directly and indirectly to the society. ELCOT
is the IT hub for the technopreneurs in Tamil Nadu and allows its members to explore their talents all
over the world to satisfy the demands. This article describes the growth and expansion, current projects
with the major achievements of ELCOT in the current decade.
The Importance of Information Technology Implementation in Facing Industrial ...ijtsrd
Technology has taken a big role in all aspects of human life. From the way we work, to the way we spend time to having fun, technology has changed everything including the way humans to run banking activities. The existence of a bank has a large function around human life. Previously, banks were only known to those who wanted to save some of their money, now the functions and activities of bank operations are increasingly diverse. The bank is now accommodating the various needs of the community for financial services. Starting from transferring funds in real time between accounts, payment and receipt of salaries, payments for goods and services, to make financial investments can be done through this institution. Indonesian banks are demanded to develop in line with Industry 4.0, where everything has been done using IT. Banks must also improve their quality through the advancement of existing fintech. The thing that is really considered by consumers is the speed and ease in conducting transactions wherever the customer is. Ninuk Muljani | Lena Ellitan | Jurusan Manajemen "The Importance of Information Technology Implementation in Facing Industrial Revolution 4.0: Case Study of Banking Industry" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-1 , December 2019, URL: https://www.ijtsrd.com/papers/ijtsrd29557.pdfPaper URL: https://www.ijtsrd.com/management/innovation-and-product-dev/29557/the-importance-of-information-technology-implementation-in-facing-industrial-revolution-40-case-study-of-banking-industry/ninuk-muljani
Two items of perceived ease of use, four items of perceived benefits and two items of perceived barriers critically affect adoption of ATMs in Ghanaian banking according to a survey. A confirmatory factor analysis validated a research model showing the relationships between these factors and ATM adoption. The findings provide a basis for customer-driven ATM strategies and confirm prior understanding of technology adoption factors in electronic banking, though the study had limitations.
Conceptualizing a Model for Online Shopping Intension: A Literature ReviewIJLT EMAS
- Internet marketing and online shopping have opened
the gates not only for big, small and medium enterprises (SMEs),
it has created immense opportunities for startups of India, to
market their products (both goods and services) globally. But
though there is significant development of the internet
technologies, internet facilities and services, still the online sale is
not significant compared to the sale through retail. Hence, this
study is undertaken to find the factors that will improve online
sales. The literature available in the internet is reviewed to
understand and find the influencing factors for online shopping.
The findings are that there are two major categories of
influencing factors, namely motivating and restricting factors,
which affects the customers’ intension to use online shopping for
purchase. Based on these findings a model has been
conceptualized. In the proposed model, the construct variables
are motivating factors and restricting factors and the dependent
variable is intension to buy online.
Consumer acceptance of online banking an extension of the technology accepta...OUM SAOKOSAL
This document provides an introduction to a study investigating online banking acceptance through the lens of the technology acceptance model (TAM). It begins with background on the growth of online banking in Europe and Finland compared to the US. The authors then define online banking as services allowing transactions through bank websites. The goal of the study is to better understand factors influencing online banking acceptance based on TAM and prior e-banking research. The document outlines the literature review, methodology, results/analysis structure to follow in the paper.
Integration of TTF, UTAUT, and ITM for mobile Banking AdoptionIJAEMSJORNAL
The introduction of mobile banking facility has enabled customers to carry out banking transactionswith the use of smartphones and other handheld devices from anywhere. It has become a luxurious and exclusive method of online payments. The recent growth of telecommunication sector and a tremendous increase in mobile usage has opened new doors for sparking future of banking sector industry. The following research is aimed to find out the mobile banking adoption attitudes with the integration of TTF, UTAUT,and ITM models.
Empirical study of the use of automated teller machine (atm) among bank custo...Alexander Decker
This study examined bank customers' use of automated teller machines (ATMs) in Ibadan, Nigeria. The researchers surveyed 182 bank customers and interviewed 12 more in-depth to understand the benefits and challenges of ATM use. Most respondents were younger adults who had been using ATMs for over two years primarily to withdraw cash. Respondents reported that ATMs offered convenience, quick funds transfer, and time savings. However, some also mentioned challenges like fear of robbery, technical issues, invalid transactions, and network failures. Overall, most respondents felt the benefits of ATMs outweighed the costs, with more female, younger, educated, and student customers agreeing. The study concluded that addressing ATM challenges could help more customers
The appearance of data innovation to each part of human life and business has been obvious to
the point that it doesn't should be complemented more. Data innovation has been of extraordinary
substance in managing an account framework. This examination expects to explore the impact of
data innovation in the saving money arrangement of Bank. The information are acquired both
through the clients and the workers. The information were then broke down utilizing the correct
rate and the 5-point Liker scale to decide the effect of Information innovation in the saving money
framework undertakings. The discoveries at that point demonstrated that Information innovation
adds to the saving money framework in three diverse routes as tails: IT spares the season of the
clients and the representatives obviously, IT chops down the costs and IT encourages the system
exchanges.
THE EFFECT OF SERVICE INFLUENCE FACTORS ON PERCEIVED USEFULNESS AND USE SATIS...IAEME Publication
The document describes a study that examines factors that influence the perceived usefulness and satisfaction of digital healthcare services. The study defines three key factors: personal influence factors like health concern and self-efficacy, information quality factors like information reliability, and social impact factors like social support. A survey was conducted of 364 digital healthcare service users in Korea to analyze the effects of these factors. The results showed that personal influence and social impact factors positively influenced perceived usefulness, while information quality did not. Personal influence and information quality factors positively influenced satisfaction, while social impact did not. The findings suggest that personal experience and information quality most significantly impact perceptions and satisfaction with digital healthcare services.
Barriers to Electronic Commerce Adoption in Small and Medium Enterprises in I...Shakir Ali
Globally internet has changed the way in which businesses were performed traditionally. Developed countries have benefited from implementing e-commerce. But, in case of emerging economies like India the adoption of ecommerce has been very slow due to challenges posed by a number of barriers. In India, though the large corporations have adopted e-commerce and successfully explored the business opportunities, the small and medium enterprises are yet to benefit from adopting e-commerce. This paper reflects on the barriers that the small and medium enterprises face in India in process of adoption of ecommerce. It analyses both the external and internal factors that affect the adoption of e-commerce.
The Chicago office of the Local Initiatives Support Corporation (LISC) retained Camiros to prepare strategic “quality-of-life plans” to guide programming for three CDCs operating in separate Chicago neighborhoods. The three CDCs and their neighborhoods are: 1) The Resurrection Project in the Pilsen neighborhood; 2) the Woodlawn Investment and Preservation Corporation in the Woodlawn Neighborhood; and 3) the Southeast Chicago Development Corporation in the South Chicago Neighborhood. Each CDC had achieved some success in promoting residential development within their respective neighborhoods. However, each was fulfilling only a portion of their mission. Lacking in the CDC’s activities were initiatives that would improve the overall quality-of-life within the neighborhood, which was needed in order to foster broad-based and sustainable neighborhood improvement. Camiros prepared a strategic action plan for each CDC that presented a specific program of projects to be undertaken. A step by step work plan was prepared to guide each CDC through the multi-year program. Camiros’ work emphasized practical, real-world project programming with the understanding that LISC intends to fund each CDC with $3-4 million to carry out the program.
A empresa anunciou um novo produto que combina hardware e software para fornecer uma solução completa para clientes. O produto oferece recursos avançados de inteligência artificial e aprendizado de máquina para ajudar os usuários a automatizar tarefas complexas. Analistas acreditam que o produto pode ser um sucesso comercial se for fácil de usar e entregar resultados precisos conforme prometido.
Este documento define la Web 2.0 y sus herramientas principales. La Web 2.0 permite a los usuarios participar y contribuir al contenido en línea en lugar de ser solo consumidores pasivos de información. Incluye herramientas como blogs, redes sociales y marcadores sociales que facilitan la interacción y el intercambio de conocimiento entre los usuarios. También describe algunas herramientas populares de la Web 2.0 como Blogger, Google, SlideShare, redes sociales y YouTube.
PDHPE contributes to the development of both individual students and the school community through a focus on interaction, movement, communication, and problem solving. It teaches both physical and theoretical skills that support personal development and health education, providing students with life skills they can apply outside the classroom.
Este documento describe las oportunidades y riesgos de los datos abiertos vinculados y de los datos de gobierno abiertos vinculados. Explica los principios y tecnologías subyacentes a los datos vinculados, incluidos los identificadores globales URI, el modelo de datos RDF y las conexiones tipadas. También analiza el marco legal español para la reutilización de la información del sector público y las iniciativas de datos abiertos a nivel mundial y en España.
The Chief of Staff of the Army announced that the Army will reduce its number of brigade combat teams from 45 to 33 by the end of fiscal year 2017 due to force restructuring under the Budget Control Act of 2011. Ten brigade combat teams based in the continental United States will be inactivated, with one BCT being eliminated from each of the following installations: Fort Bliss, Texas; Fort Bragg, N.C.; Fort Campbell, Ky; Fort Carson, Colo.; Fort Drum, N.Y.; Fort Hood, Texas; Fort Knox, Ky.; Fort Riley, Kan.; Fort Stewart, Ga., and Joint Base Lewis-McChord, Wash. The Army's active duty end strength will also be reduced by 14
The document summarizes information about the city of Panevėžys, Lithuania. It states that Panevėžys is the fifth largest city in Lithuania, with a population of 100,000 people. It is a regional economic center, with exports making up 56% of industrial company sales. Major investors in Panevėžys are from Denmark, Germany, Poland, Norway, Estonia, and Finland. Projects underway or completed in Panevėžys include the Panevėžys Free Economic Zone, Universal Sports Arena, Science and Technology Park, and Technology Demonstration Centre. The vision is for Panevėžys to become more
The document summarizes Magnesita's 4Q14 and full year 2014 earnings call. It discusses declines in revenue and profit year-over-year for both the steel and industrial segments. Gross margins decreased for refractory solutions. Minerals sales also declined while services increased. SG&A expenses rose and net income turned to a loss. Working capital increased as a percentage of sales while CAPEX declined. Leverage remained stable. The presentation provides an overview of Magnesita's strategic vision and global organization.
A STUDY OF IMPACT OF INFORMATION TECHNOLOGY IN INDIAN BNAKING INDUSTRYMonica Franklin
This document summarizes a study on the impact of information technology in the Indian banking industry. It discusses how banks have heavily invested in technologies like ATMs, mobile banking, internet banking, credit/debit cards, and customer relationship management software to improve customer service and processing speeds. These investments were meant to boost bank performance, but the impacts depend on how effectively each bank deploys, uses, and leverages the technologies. The study examines the role of IT in the industry and assesses various aspects of the IT services provided by Indian banks. It analyzes how IT has transformed the Indian banking sector since the 1990s reforms that encouraged competition and international standards.
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
This document summarizes an article from the International Journal of Management (IJM) about factors influencing the adoption of e-banking in India. The article discusses how e-banking has changed the banking industry and provided customers with more convenient access. It then reviews past literature on factors like trust, demographics, service quality that affect e-banking usage. The research aims to understand factors influencing customers' choice of e-banking, critical success factors for users, and obstacles preventing non-users from adopting e-banking. A mixed methods approach including questionnaires was used to understand users and non-users.
This document discusses technological developments in the Indian banking sector and analyzes the impact of electronic banking (e-banking) on banks' financial performance. It outlines key events in India's e-banking development like the introduction of debit/credit cards, electronic funds transfer, real-time gross settlement systems. The document also examines different studies that have analyzed the relationship between e-banking investments and banks' profitability and productivity, with mixed findings. Committee reports from the Reserve Bank of India on computerization and e-banking in the 1980s-1990s are also summarized.
This document summarizes an article from the International Journal of Management (IJM) that discusses trends in electronic banking (e-banking) in India. The article provides an abstract of the paper and discusses the transformation of the Indian banking sector through the adoption of technology. It reviews literature on future trends and analyzes key trends like globalization, digitalization, and changing demographics that will impact banking services. The trends are discussed in terms of their potential effects on e-banking.
Information and Communication Technology has altered the banking system all over the world. In India, the banking sector has been witnessing path breaking technological advancement. Paper transactions, like cheques and drafts are displaced by internet transfers through RTGS, clearing houses are replaced by MICR. Customers no more belong to a particular bank or branch. Thus impact that in the technological changes in banking sector is analyzed in this paper. This paper deals in the analysis of technological revolution in Indian banking sector.
EXTENSION OF TECHNOLOGY ACCEPTANCE MODEL (TAM): A STUDY ON INDIAN INTERNET BA...IAEME Publication
Internet banking plays significant role in the development of banking business in our country. An application of electronic service brings predominant changes in the way of doing banking transactions. In simpler terms, internet banking refers to banking through bank’s website with the help of internet connection. Internet banking provides lot of benefits to the customers as well as the banks. Internet banking provides different kinds of services to the customers in the form checking balances, account statement, pay utility bills etc
Indian growing new financial establishments, notably banks, square measure one among the most important investors within the domains of knowledge systems, and there square measure quite clear signs that these trends to spread within the future. The arrival and enlargement of globalization and also the development of Advanced technologies knowledge pushed the banks to adopt advanced technology to launch new services. Banks have applied remote enabled service victimization the net to achieve competitive advantage, increase potency, scale back prices and provide a range of latest services. On-line systems create banking transactions straightforward and convenient, notably for disabled people that could need special services. the most purpose of this current study is to look at the most keys to live the advantage perception of victimization net banking technology, as this advanced technology is taken into account together of the principal motivations underlying the inclinations of people to adopt such a convenient technology in India. The model developed associated developed during this analysis study is an extension to the Technology Acceptance Model (TAM). The model was tested with a survey sample of four hundred folks chosen arbitrarily. The findings of the study indicate that everyone mentioned factors within the projected model (CNV, SE, QI, AW, PEU, PU) have important impact at intervals prompting the employment of net banking systems. The information analysis relies on the applied mathematics Package for scientific discipline (SPSS).
E-BANKING IMPLEMENTATION AND TECHNOLOGY ACCEPTANCE IN THE RAFIDAIN AND RASHEE...Hosam alden
n the third millennium, e-banking system has been adopted globally in the banking industry. On the other hand, Iraq as a nation with less developed IT adoption has not integrated this system in its banking services, instead of its current acknowledgement on the advantages of ebanking technology in competition among banking service providers. In
contrast, Iraqi banks still keep on adopting traditional banking system to
deliver the majority of their services which in this case are paper-based
work system. This is greatly resulted from the hesitation of bank
employees to adopt new banking technologies. This study aims to
identify the impact of hypothesis between e-banking system and Iraqi
banks employee perspective. This study was conducted by taking sample
of employee from two biggest public banks in Iraq which are ALRAFIDAIN and AL-RASHEED. A survey through questionnaires on the
website was used as the instrument to collect the data were analyzed
using PLS software. Technology Acceptance model(TAM) as a basic
foundation with independent variables Perceived Usefulness, Perceived
Ease of Use, Perceived IT Beliefs and Task–Technology Fit, Attitude as
Intervening and Intention to Use as dependent variable. The result of
hypothesis analysis reveals that there is a significant impact among all
variables to attitude, but Perceived Ease of Use, it does not apply variable
from those analysis it is depicted that Perceived Ease of Use does not impact to the perception of the implementation of e-banking system in Iraqi banks.
This document is a synopsis submitted by Santosh Malaiah Ralabandi to RTM Nagpur University in partial fulfillment of an MBA degree. It examines the impact of technology on financial services. Technology plays a major role in modern industries and financial institutions must invest in information technology to remain competitive. The financial industry relies heavily on advanced technologies to process high volumes of transactions that could not be handled manually. The synopsis will focus on how technology influences competition and service delivery in the financial sector.
Personal innovativeness and facilitating conditions in shaping the outlooks ...IJECEIAES
The study investigated the determinants of m-banking adoption among generation Y (Gen-Y) in Malaysia. The study underpinned the technology acceptance model as the main guideline or a blueprint for analyzing the research model. The study applied a survey research design and investigated structural equation modeling (SEM) under the partial least-square SEM (PLS-SEM) technique using SmartPLS 2.0. A total 358 m-banking users in Malaysia were exerted as respondents who were randomly selected and then investigated. The results of the analysis conducted with PLS-SEM reveal the existence of usage convenience, facilitating conditions, and personal innovation in information technology that has been remarkably influenced by the outlooks that have adopted m-banking in the country of Malaysia. In addition, the usage convenience that has been felt and facilitated by the conditions found can affect the appraised practicality of m-banking remarkably. Finally, the usage convenience of m-banking that is felt among Gen-Y in Malaysia is influenced by the remarkable activation of personal conditions and innovations exerted in information technology.
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.
An analysis of mobile banking acceptance by pakistani customersAlexander Decker
This document analyzes factors affecting the acceptance of mobile banking by customers in Pakistan. It discusses a study conducted on 200 account holders at MCB Bank in Pakistan to analyze how variables like speed, self-efficacy, mobility access, advertising, and quality of service influence users' perceptions and intentions to use mobile banking. The study uses the Technology Acceptance Model (TAM) as its theoretical framework. The results found that these context-specific variables as well as perceived usefulness and perceived ease of use significantly impacted users' intentions to adopt mobile banking according to the TAM model. The document also provides background on the growth of mobile technology and banking in Pakistan to contextualize the study.
The Impact of Customers Perception on Cost of Internet Banking on Its Usage i...paperpublications3
Abstract: Internet banking allows banks to provide information and offer services to their customers conveniently using the internet technology. However, studies have shown that customers have perceptions that impact on the uptake and continuous usage of the platform. The purpose of this study is to understand the effect of customer perceptions on usage of internet banking in commercial banks in Kenya. This study used descriptive research design while a stratified random sampling technique was used to select subjects to represent the target population which was made up of 1,837,312 customers of commercial banks within Nairobi County. An estimated 384 respondents were targeted to participate in the study. 272 questionnaires representing a 71% response rate were received and analysed. Based on the findings of the research it was concluded that customers have perception that have an effect on usage of internet banking, Customer still feel that internet access fees and internet banking transaction charges are high. Costly internet access and unreasonable pricing of internet banking transactions, hinders usage of the internet and by extension technological solutions offered by commercial banks such as internet banking. Commercial banks can relook into the issue of subsidizing the monthly internet banking maintenance fee so as to attract more users and continued usage.
An evaluation of the efficacy of information technology on the performance of...Alexander Decker
This document summarizes a study that evaluated the efficacy of information technology (IT) on the performance of selected banks in Ogbomoso, Nigeria. The study reviewed literature on how IT has been applied to banking services and management. It presented results from a survey of 103 customers from 3 banks that found IT reduced time wasting and increased productivity and customer satisfaction. Statistical analysis revealed customers' perceptions of IT's impact on service delivery did not significantly differ between banks. The study concluded IT has increased banks' processing speed and ability to serve more customers, and recommended Nigerian banks continue investing in IT to further enhance customer service and profitability.
Telkomsel launched its mobile money service T-Cash in Indonesia to increase financial inclusion given low bank account ownership. However, mobile money usage remains low due to several issues including lack of awareness, restrictive regulations, and a less attractive industry. This study analyzes the business environment of T-Cash and develops marketing strategies to increase usage of T-Cash Tap, Telkomsel's new mobile payment product using NFC technology. Qualitative research methods are used, including interviews with industry players and experts to understand the mobile money landscape in Indonesia and identify opportunities for growth.
Application of Savings and Loan Cooperative ServicesYogeshIJTSRD
Information technology knowledge has become a necessity. Most of a persons daily activities involve the assistance of information technology, both teaching and learning activities, working in institutions and entrepreneurship. In addition, knowledge of information technology is a persons main asset to be able to compete in the digital era. A cooperative is an institution that runs on the principle of kinship. So that in carrying out its activities prioritizing the welfare of its members and aiming to increase the economic growth of the community. The goal to be achieved in this community service activity is to produce an android based system of savings and loan cooperative service that is able to facilitate the delivery of information from management to members in real time and can provide solutions for speed, accuracy and accuracy. The method used in this research and development research uses the waterfall model, which is a process or steps to develop a new product or improve an existing product. The system analysis was carried out with the initial stages of the research method, the communication stage was carried out by the interview and observation process. The observation process is carried out by making direct observations to get an overview and the interview process is carried out by conducting questions and answers to match the data and information. After designing the next step is build an android system based of savings and loan cooperative service. Dimas Indra Laksmana | Maranatha Wijayaningtyas | Kiswandono "Application of Savings and Loan Cooperative Services" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-3 , April 2021, URL: https://www.ijtsrd.com/papers/ijtsrd40065.pdf Paper URL: https://www.ijtsrd.com/management/mis-and-retail-management/40065/application-of-savings-and-loan-cooperative-services/dimas-indra-laksmana
Impact of It on Banking- Information Systems for Managers ProjectGautam Shah
1. Information technology has revolutionized banking by shifting services online through ATMs, debit/credit cards, internet banking, and other digital services. This has transformed banking and increased efficiency.
2. Early adopters of new technologies like ICICI Bank saw benefits in customer satisfaction and efficiency compared to public sector banks. Now, banking is changing both technologically and in terms of users' expectations.
3. The study analyzes the impact of e-banking on bank performance and current/future changes in the industry through metrics like employee and branch productivity, which nearly doubled with digital transformation. IT investments have delivered sustainable profit growth for major banks over 15 years.
Similar to Ussage and impediments of technology enabled services in banking sector (20)
Submission Deadline: 30th September 2022
Acceptance Notification: Within Three Days’ time period
Online Publication: Within 24 Hrs. time Period
Expected Date of Dispatch of Printed Journal: 5th October 2022
MODELING AND ANALYSIS OF SURFACE ROUGHNESS AND WHITE LATER THICKNESS IN WIRE-...IAEME Publication
White layer thickness (WLT) formed and surface roughness in wire electric discharge turning (WEDT) of tungsten carbide composite has been made to model through response surface methodology (RSM). A Taguchi’s standard Design of experiments involving five input variables with three levels has been employed to establish a mathematical model between input parameters and responses. Percentage of cobalt content, spindle speed, Pulse on-time, wire feed and pulse off-time were changed during the experimental tests based on the Taguchi’s orthogonal array L27 (3^13). Analysis of variance (ANOVA) revealed that the mathematical models obtained can adequately describe performance within the parameters of the factors considered. There was a good agreement between the experimental and predicted values in this study.
A STUDY ON THE REASONS FOR TRANSGENDER TO BECOME ENTREPRENEURSIAEME Publication
The study explores the reasons for a transgender to become entrepreneurs. In this study transgender entrepreneur was taken as independent variable and reasons to become as dependent variable. Data were collected through a structured questionnaire containing a five point Likert Scale. The study examined the data of 30 transgender entrepreneurs in Salem Municipal Corporation of Tamil Nadu State, India. Simple Random sampling technique was used. Garrett Ranking Technique (Percentile Position, Mean Scores) was used as the analysis for the present study to identify the top 13 stimulus factors for establishment of trans entrepreneurial venture. Economic advancement of a nation is governed upon the upshot of a resolute entrepreneurial doings. The conception of entrepreneurship has stretched and materialized to the socially deflated uncharted sections of transgender community. Presently transgenders have smashed their stereotypes and are making recent headlines of achievements in various fields of our Indian society. The trans-community is gradually being observed in a new light and has been trying to achieve prospective growth in entrepreneurship. The findings of the research revealed that the optimistic changes are taking place to change affirmative societal outlook of the transgender for entrepreneurial ventureship. It also laid emphasis on other transgenders to renovate their traditional living. The paper also highlights that legislators, supervisory body should endorse an impartial canons and reforms in Tamil Nadu Transgender Welfare Board Association.
BROAD UNEXPOSED SKILLS OF TRANSGENDER ENTREPRENEURSIAEME Publication
Since ages gender difference is always a debatable theme whether caused by nature, evolution or environment. The birth of a transgender is dreadful not only for the child but also for their parents. The pain of living in the wrong physique and treated as second class victimized citizen is outrageous and fully harboured with vicious baseless negative scruples. For so long, social exclusion had perpetuated inequality and deprivation experiencing ingrained malign stigma and besieged victims of crime or violence across their life spans. They are pushed into the murky way of life with a source of eternal disgust, bereft sexual potency and perennial fear. Although they are highly visible but very little is known about them. The common public needs to comprehend the ravaged arrogance on these insensitive souls and assist in integrating them into the mainstream by offering equal opportunity, treat with humanity and respect their dignity. Entrepreneurship in the current age is endorsing the gender fairness movement. Unstable careers and economic inadequacy had inclined one of the gender variant people called Transgender to become entrepreneurs. These tiny budding entrepreneurs resulted in economic transition by means of employment, free from the clutches of stereotype jobs, raised standard of living and handful of financial empowerment. Besides all these inhibitions, they were able to witness a platform for skill set development that ignited them to enter into entrepreneurial domain. This paper epitomizes skill sets involved in trans-entrepreneurs of Thoothukudi Municipal Corporation of Tamil Nadu State and is a groundbreaking determination to sightsee various skills incorporated and the impact on entrepreneurship.
DETERMINANTS AFFECTING THE USER'S INTENTION TO USE MOBILE BANKING APPLICATIONSIAEME Publication
The banking and financial services industries are experiencing increased technology penetration. Among them, the banking industry has made technological advancements to better serve the general populace. The economy focused on transforming the banking sector's system into a cashless, paperless, and faceless one. The researcher wants to evaluate the user's intention for utilising a mobile banking application. The study also examines the variables affecting the user's behaviour intention when selecting specific applications for financial transactions. The researcher employed a well-structured questionnaire and a descriptive study methodology to gather the respondents' primary data utilising the snowball sampling technique. The study includes variables like performance expectations, effort expectations, social impact, enabling circumstances, and perceived risk. Each of the aforementioned variables has a major impact on how users utilise mobile banking applications. The outcome will assist the service provider in comprehending the user's history with mobile banking applications.
ANALYSE THE USER PREDILECTION ON GPAY AND PHONEPE FOR DIGITAL TRANSACTIONSIAEME Publication
Technology upgradation in banking sector took the economy to view that payment mode towards online transactions using mobile applications. This system enabled connectivity between banks, Merchant and user in a convenient mode. there are various applications used for online transactions such as Google pay, Paytm, freecharge, mobikiwi, oxygen, phonepe and so on and it also includes mobile banking applications. The study aimed at evaluating the predilection of the user in adopting digital transaction. The study is descriptive in nature. The researcher used random sample techniques to collect the data. The findings reveal that mobile applications differ with the quality of service rendered by Gpay and Phonepe. The researcher suggest the Phonepe application should focus on implementing the application should be user friendly interface and Gpay on motivating the users to feel the importance of request for money and modes of payments in the application.
VOICE BASED ATM FOR VISUALLY IMPAIRED USING ARDUINOIAEME Publication
The prototype of a voice-based ATM for visually impaired using Arduino is to help people who are blind. This uses RFID cards which contain users fingerprint encrypted on it and interacts with the users through voice commands. ATM operates when sensor detects the presence of one person in the cabin. After scanning the RFID card, it will ask to select the mode like –normal or blind. User can select the respective mode through voice input, if blind mode is selected the balance check or cash withdraw can be done through voice input. Normal mode procedure is same as the existing ATM.
IMPACT OF EMOTIONAL INTELLIGENCE ON HUMAN RESOURCE MANAGEMENT PRACTICES AMONG...IAEME Publication
There is increasing acceptability of emotional intelligence as a major factor in personality assessment and effective human resource management. Emotional intelligence as the ability to build capacity, empathize, co-operate, motivate and develop others cannot be divorced from both effective performance and human resource management systems. The human person is crucial in defining organizational leadership and fortunes in terms of challenges and opportunities and walking across both multinational and bilateral relationships. The growing complexity of the business world requires a great deal of self-confidence, integrity, communication, conflict and diversity management to keep the global enterprise within the paths of productivity and sustainability. Using the exploratory research design and 255 participants the result of this original study indicates strong positive correlation between emotional intelligence and effective human resource management. The paper offers suggestions on further studies between emotional intelligence and human capital development and recommends for conflict management as an integral part of effective human resource management.
VISUALISING AGING PARENTS & THEIR CLOSE CARERS LIFE JOURNEY IN AGING ECONOMYIAEME Publication
Our life journey, in general, is closely defined by the way we understand the meaning of why we coexist and deal with its challenges. As we develop the "inspiration economy", we could say that nearly all of the challenges we have faced are opportunities that help us to discover the rest of our journey. In this note paper, we explore how being faced with the opportunity of being a close carer for an aging parent with dementia brought intangible discoveries that changed our insight of the meaning of the rest of our life journey.
A STUDY ON THE IMPACT OF ORGANIZATIONAL CULTURE ON THE EFFECTIVENESS OF PERFO...IAEME Publication
The main objective of this study is to analyze the impact of aspects of Organizational Culture on the Effectiveness of the Performance Management System (PMS) in the Health Care Organization at Thanjavur. Organizational Culture and PMS play a crucial role in present-day organizations in achieving their objectives. PMS needs employees’ cooperation to achieve its intended objectives. Employees' cooperation depends upon the organization’s culture. The present study uses exploratory research to examine the relationship between the Organization's culture and the Effectiveness of the Performance Management System. The study uses a Structured Questionnaire to collect the primary data. For this study, Thirty-six non-clinical employees were selected from twelve randomly selected Health Care organizations at Thanjavur. Thirty-two fully completed questionnaires were received.
Living in 21st century in itself reminds all of us the necessity of police and its administration. As more and more we are entering into the modern society and culture, the more we require the services of the so called ‘Khaki Worthy’ men i.e., the police personnel. Whether we talk of Indian police or the other nation’s police, they all have the same recognition as they have in India. But as already mentioned, their services and requirements are different after the like 26th November, 2008 incidents, where they without saving their own lives has sacrificed themselves without any hitch and without caring about their respective family members and wards. In other words, they are like our heroes and mentors who can guide us from the darkness of fear, militancy, corruption and other dark sides of life and so on. Now the question arises, if Gandhi would have been alive today, what would have been his reaction/opinion to the police and its functioning? Would he have some thing different in his mind now what he had been in his mind before the partition or would he be going to start some Satyagraha in the form of some improvement in the functioning of the police administration? Really these questions or rather night mares can come to any one’s mind, when there is too much confusion is prevailing in our minds, when there is too much corruption in the society and when the polices working is also in the questioning because of one or the other case throughout the India. It is matter of great concern that we have to thing over our administration and our practical approach because the police personals are also like us, they are part and parcel of our society and among one of us, so why we all are pin pointing towards them.
A STUDY ON TALENT MANAGEMENT AND ITS IMPACT ON EMPLOYEE RETENTION IN SELECTED...IAEME Publication
The goal of this study was to see how talent management affected employee retention in the selected IT organizations in Chennai. The fundamental issue was the difficulty to attract, hire, and retain talented personnel who perform well and the gap between supply and demand of talent acquisition and retaining them within the firms. The study's main goals were to determine the impact of talent management on employee retention in IT companies in Chennai, investigate talent management strategies that IT companies could use to improve talent acquisition, performance management, career planning and formulate retention strategies that the IT firms could use. The respondents were given a structured close-ended questionnaire with the 5 Point Likert Scale as part of the study's quantitative research design. The target population consisted of 289 IT professionals. The questionnaires were distributed and collected by the researcher directly. The Statistical Package for Social Sciences (SPSS) was used to collect and analyse the questionnaire responses. Hypotheses that were formulated for the various areas of the study were tested using a variety of statistical tests. The key findings of the study suggested that talent management had an impact on employee retention. The studies also found that there is a clear link between the implementation of talent management and retention measures. Management should provide enough training and development for employees, clarify job responsibilities, provide adequate remuneration packages, and recognise employees for exceptional performance.
ATTRITION IN THE IT INDUSTRY DURING COVID-19 PANDEMIC: LINKING EMOTIONAL INTE...IAEME Publication
Globally, Millions of dollars were spent by the organizations for employing skilled Information Technology (IT) professionals. It is costly to replace unskilled employees with IT professionals possessing technical skills and competencies that aid in interconnecting the business processes. The organization’s employment tactics were forced to alter by globalization along with technological innovations as they consistently diminish to remain lean, outsource to concentrate on core competencies along with restructuring/reallocate personnel to gather efficiency. As other jobs, organizations or professions have become reasonably more appropriate in a shifting employment landscape, the above alterations trigger both involuntary as well as voluntary turnover. The employee view on jobs is also afflicted by the COVID-19 pandemic along with the employee-driven labour market. So, having effective strategies is necessary to tackle the withdrawal rate of employees. By associating Emotional Intelligence (EI) along with Talent Management (TM) in the IT industry, the rise in attrition rate was analyzed in this study. Only 303 respondents were collected out of 350 participants to whom questionnaires were distributed. From the employees of IT organizations located in Bangalore (India), the data were congregated. A simple random sampling methodology was employed to congregate data as of the respondents. Generating the hypothesis along with testing is eventuated. The effect of EI and TM along with regression analysis between TM and EI was analyzed. The outcomes indicated that employee and Organizational Performance (OP) were elevated by effective EI along with TM.
INFLUENCE OF TALENT MANAGEMENT PRACTICES ON ORGANIZATIONAL PERFORMANCE A STUD...IAEME Publication
By implementing talent management strategy, organizations would have the option to retain their skilled professionals while additionally working on their overall performance. It is the course of appropriately utilizing the ideal individuals, setting them up for future top positions, exploring and dealing with their performance, and holding them back from leaving the organization. It is employee performance that determines the success of every organization. The firm quickly obtains an upper hand over its rivals in the event that its employees having particular skills that cannot be duplicated by the competitors. Thus, firms are centred on creating successful talent management practices and processes to deal with the unique human resources. Firms are additionally endeavouring to keep their top/key staff since on the off chance that they leave; the whole store of information leaves the firm's hands. The study's objective was to determine the impact of talent management on organizational performance among the selected IT organizations in Chennai. The study recommends that talent management limitedly affects performance. On the off chance that this talent is appropriately management and implemented properly, organizations might benefit as much as possible from their maintained assets to support development and productivity, both monetarily and non-monetarily.
A STUDY OF VARIOUS TYPES OF LOANS OF SELECTED PUBLIC AND PRIVATE SECTOR BANKS...IAEME Publication
Banking regulations act of India, 1949 defines banking as “acceptance of deposits for the purpose of lending or investment from the public, repayment on demand or otherwise and withdrawable through cheques, drafts order or otherwise”, the major participants of the Indian financial system are commercial banks, the financial institution encompassing term lending institutions. Investments institutions, specialized financial institution and the state level development banks, non banking financial companies (NBFC) and other market intermediaries such has the stock brokers and money lenders are among the oldest of the certain variants of NBFC and the oldest market participants. The asset quality of banks is one of the most important indicators of their financial health. The Indian banking sector has been facing severe problems of increasing Non- Performing Assets (NPAs). The NPAs growth directly and indirectly affects the quality of assets and profitability of banks. It also shows the efficiency of banks credit risk management and the recovery effectiveness. NPA do not generate any income, whereas, the bank is required to make provisions for such as assets that why is a double edge weapon. This paper outlines the concept of quality of bank loans of different types like Housing, Agriculture and MSME loans in state Haryana of selected public and private sector banks. This study is highlighting problems associated with the role of commercial bank in financing Small and Medium Scale Enterprises (SME). The overall objective of the research was to assess the effect of the financing provisions existing for the setting up and operations of MSMEs in the country and to generate recommendations for more robust financing mechanisms for successful operation of the MSMEs, in turn understanding the impact of MSME loans on financial institutions due to NPA. There are many research conducted on the topic of Non- Performing Assets (NPA) Management, concerning particular bank, comparative study of public and private banks etc. In this paper the researcher is considering the aggregate data of selected public sector and private sector banks and attempts to compare the NPA of Housing, Agriculture and MSME loans in state Haryana of public and private sector banks. The tools used in the study are average and Anova test and variance. The findings reveal that NPA is common problem for both public and private sector banks and is associated with all types of loans either that is housing loans, agriculture loans and loans to SMES. NPAs of both public and private sector banks show the increasing trend. In 2010-11 GNPA of public and private sector were at same level it was 2% but after 2010-11 it increased in many fold and at present there is GNPA in some more than 15%. It shows the dark area of Indian banking sector.
EXPERIMENTAL STUDY OF MECHANICAL AND TRIBOLOGICAL RELATION OF NYLON/BaSO4 POL...IAEME Publication
An experiment conducted in this study found that BaSO4 changed Nylon 6's mechanical properties. By changing the weight ratios, BaSO4 was used to make Nylon 6. This Researcher looked into how hard Nylon-6/BaSO4 composites are and how well they wear. Experiments were done based on Taguchi design L9. Nylon-6/BaSO4 composites can be tested for their hardness number using a Rockwell hardness testing apparatus. On Nylon/BaSO4, the wear behavior was measured by a wear monitor, pinon-disc friction by varying reinforcement, sliding speed, and sliding distance, and the microstructure of the crack surfaces was observed by SEM. This study provides significant contributions to ultimate strength by increasing BaSO4 content up to 16% in the composites, and sliding speed contributes 72.45% to the wear rate
ROLE OF SOCIAL ENTREPRENEURSHIP IN RURAL DEVELOPMENT OF INDIA - PROBLEMS AND ...IAEME Publication
The majority of the population in India lives in villages. The village is the back bone of the country. Village or rural industries play an important role in the national economy, particularly in the rural development. Developing the rural economy is one of the key indicators towards a country’s success. Whether it be the need to look after the welfare of the farmers or invest in rural infrastructure, Governments have to ensure that rural development isn’t compromised. The economic development of our country largely depends on the progress of rural areas and the standard of living of rural masses. Village or rural industries play an important role in the national economy, particularly in the rural development. Rural entrepreneurship is based on stimulating local entrepreneurial talent and the subsequent growth of indigenous enterprises. It recognizes opportunity in the rural areas and accelerates a unique blend of resources either inside or outside of agriculture. Rural entrepreneurship brings an economic value to the rural sector by creating new methods of production, new markets, new products and generate employment opportunities thereby ensuring continuous rural development. Social Entrepreneurship has the direct and primary objective of serving the society along with the earning profits. So, social entrepreneurship is different from the economic entrepreneurship as its basic objective is not to earn profits but for providing innovative solutions to meet the society needs which are not taken care by majority of the entrepreneurs as they are in the business for profit making as a sole objective. So, the Social Entrepreneurs have the huge growth potential particularly in the developing countries like India where we have huge societal disparities in terms of the financial positions of the population. Still 22 percent of the Indian population is below the poverty line and also there is disparity among the rural & urban population in terms of families living under BPL. 25.7 percent of the rural population & 13.7 percent of the urban population is under BPL which clearly shows the disparity of the poor people in the rural and urban areas. The need to develop social entrepreneurship in agriculture is dictated by a large number of social problems. Such problems include low living standards, unemployment, and social tension. The reasons that led to the emergence of the practice of social entrepreneurship are the above factors. The research problem lays upon disclosing the importance of role of social entrepreneurship in rural development of India. The paper the tendencies of social entrepreneurship in India, to present successful examples of such business for providing recommendations how to improve situation in rural areas in terms of social entrepreneurship development. Indian government has made some steps towards development of social enterprises, social entrepreneurship, and social in- novation, but a lot remains to be improved.
OPTIMAL RECONFIGURATION OF POWER DISTRIBUTION RADIAL NETWORK USING HYBRID MET...IAEME Publication
Distribution system is a critical link between the electric power distributor and the consumers. Most of the distribution networks commonly used by the electric utility is the radial distribution network. However in this type of network, it has technical issues such as enormous power losses which affect the quality of the supply. Nowadays, the introduction of Distributed Generation (DG) units in the system help improve and support the voltage profile of the network as well as the performance of the system components through power loss mitigation. In this study network reconfiguration was done using two meta-heuristic algorithms Particle Swarm Optimization and Gravitational Search Algorithm (PSO-GSA) to enhance power quality and voltage profile in the system when simultaneously applied with the DG units. Backward/Forward Sweep Method was used in the load flow analysis and simulated using the MATLAB program. Five cases were considered in the Reconfiguration based on the contribution of DG units. The proposed method was tested using IEEE 33 bus system. Based on the results, there was a voltage profile improvement in the system from 0.9038 p.u. to 0.9594 p.u.. The integration of DG in the network also reduced power losses from 210.98 kW to 69.3963 kW. Simulated results are drawn to show the performance of each case.
APPLICATION OF FRUGAL APPROACH FOR PRODUCTIVITY IMPROVEMENT - A CASE STUDY OF...IAEME Publication
Manufacturing industries have witnessed an outburst in productivity. For productivity improvement manufacturing industries are taking various initiatives by using lean tools and techniques. However, in different manufacturing industries, frugal approach is applied in product design and services as a tool for improvement. Frugal approach contributed to prove less is more and seems indirectly contributing to improve productivity. Hence, there is need to understand status of frugal approach application in manufacturing industries. All manufacturing industries are trying hard and putting continuous efforts for competitive existence. For productivity improvements, manufacturing industries are coming up with different effective and efficient solutions in manufacturing processes and operations. To overcome current challenges, manufacturing industries have started using frugal approach in product design and services. For this study, methodology adopted with both primary and secondary sources of data. For primary source interview and observation technique is used and for secondary source review has done based on available literatures in website, printed magazines, manual etc. An attempt has made for understanding application of frugal approach with the study of manufacturing industry project. Manufacturing industry selected for this project study is Mahindra and Mahindra Ltd. This paper will help researcher to find the connections between the two concepts productivity improvement and frugal approach. This paper will help to understand significance of frugal approach for productivity improvement in manufacturing industry. This will also help to understand current scenario of frugal approach in manufacturing industry. In manufacturing industries various process are involved to deliver the final product. In the process of converting input in to output through manufacturing process productivity plays very critical role. Hence this study will help to evolve status of frugal approach in productivity improvement programme. The notion of frugal can be viewed as an approach towards productivity improvement in manufacturing industries.
A MULTIPLE – CHANNEL QUEUING MODELS ON FUZZY ENVIRONMENTIAEME Publication
In this paper, we investigated a queuing model of fuzzy environment-based a multiple channel queuing model (M/M/C) ( /FCFS) and study its performance under realistic conditions. It applies a nonagonal fuzzy number to analyse the relevant performance of a multiple channel queuing model (M/M/C) ( /FCFS). Based on the sub interval average ranking method for nonagonal fuzzy number, we convert fuzzy number to crisp one. Numerical results reveal that the efficiency of this method. Intuitively, the fuzzy environment adapts well to a multiple channel queuing models (M/M/C) ( /FCFS) are very well.
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
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.
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
Economic Risk Factor Update: June 2024 [SlideShare]Commonwealth
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
2. Elemental Economics - Mineral demand.pdfNeal Brewster
After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
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in the banking. Important initiatives with regard to the reform of the banking system were taken
in this phase. Entry of new banks resulted in a paradigm shift in the ways of banking in India. The
growing competition and growing expectations led to increased awareness amongst banks on the
role and importance of technology in banking. The arrival of foreign and private banks with their
superior state-of-the-art technology-based services pushed Indian Banks also to follow suit by
going in for the latest technologies so as to meet the threat of competition and retain their
customer base. Indian banking industry, today is in the midst of an IT revolution. Combinations
of regulatory and competitive reasons have led to increasing importance of total banking
automation in the Indian Banking Industry. Information Technology has basically been used
under two different avenues in Banking. One is Communication, Connectivity and other is
Business Process Reengineering. Information technology enables sophisticated product
development, better market infrastructure, implementation of reliable techniques for control of
risks and helps the financial intermediaries to reach geographically distant and diversified
markets.
3. GREAT MILESTONES
In India, banks as well as other financial entities entered the world of information
technology and with Indian Financial Net (INFINET). INFINET, a wide area satellite based
network (WAN) using VSAT (Very Small Aperture Terminals) technology, was jointly set up by
the Reserve Bank and Institute for Development and Research in Banking Technology (IDRBT)
in June 1999.The first set of applications that could benefit greatly from the use of technological
advances in the computer and communications area relate to the Payment systems which form the
lifeline of any banking activity. The process of reforms in payment and settlement systems has
gained momentum with the implementation of projects such as NDS (Negotiated Dealing
System), CFMS (Centralized Funds Management System) for better funds management by banks
and SFMS (Structured Financial Messaging Solution) for secure message transfer. This would
result in funds transfers and funds-related message transfer to be routed electronically across
banks using the medium of the INFINET. Negotiated dealing system (NDS), which has become
operational since February 2002 and RTGS (Real Time Gross Settlement system) which has
become operational from the end of 2003 are other major developments in the area. Internet has
emerged as an important medium for delivery of banking products & services. Detailed
guidelines of RBI for Internet Banking has prepared the necessary ground for growth of Internet
Banking in India. The Information Technology Act, 2000 has given legal recognition to creation,
transmission and retention of an electronic (or magnetic) data to be treated as valid proof in a
court of law, except in those areas, which continue to be governed by the provisions of the
Negotiable Instruments Act, 1881.
4. OBJECTIVES OF THE STUDY
1. To find out the level of awareness of the customers on technology services in the sample
area.
2. To find out the problems faced by the customers in availing the technology services in
banks.
3. To find out the reasons for not using the technology services offered by the banks.
4. To analyze the factors influencing the selection of technology services offered by banks.
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5. NEED FOR STUDY
For a long time, Indian banks faced very little competition and operated in a protected
economy. Now, well-computerized foreign banks are beginning to compete seriously with
the nationalized banks. Banks which use IT mainly focus on three areas viz. Meeting a
customer’s service expectations, cutting down the costs, managing dynamic competitive
environment. For this, the banks are venturing into new financial products and service
options that would help them grow without losing existing customers. And any new financial
product or service that a bank offers will be intrinsically related to technology. Automation is
the basic thing that banks need to have in place. It involves a combination of centralized
networks, operations, and a core banking application. Automation enables banks to offer
24x7x365 service using lesser manpower. But to be really competitive, banks need to think
beyond just basic automation. In this context this study has become very vital to find out the
service- satisfaction level of the customer. Therefore the researcher decided to study the
impact of Information Technology on the functioning and productivity of Commercial Banks
in Chennai City of Tamil Nadu.
6. RESEARCH METHODOLOGY
The present study has adopted both descriptive and analytical methodologies. The
descriptive methodology has been focused on review in the literary evidences that are
available through external and internal sources. As the study is based on the services and their
satisfaction thereon. Measurement of satisfactory level is with respect to various service
ingredients. Hence the analytical process has become inevitable, resulting in the adoption of
analytical methodology. A questionnaire has been designed in four segments consisting of
personal data, determinant of customer satisfaction, services provided by the bank. This
research has primarily been based on the primary data collected from the select respondent
customers of the selected commercial banks in Chennai. The oral interview has also been
conducted wherever necessary to add clarity to certain key issues.
7. SAMPLE SIZE
The sample size is determined by using the scientific method, by using the pilot study
standard deviation of the sample of 50 respondents, by allowing the standard error at 5%
level. The sample size was determined by using the following formula. Sample Size (N)=
(ZS/E)2
Where,
Z= Standard value corresponding to a confidence level of 95%=1.96
S= Sample SD from the pilot study of 50 samples= 0.548
E=Acceptable error= 5%= 0.05
The sample size should be = (N)= (ZS/E)2
= (1.96*0.548/0.05)2
= 461.46 or 462.
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Table showing reliability alpha of the data collection instrument
S.No Description No.of
items
Alpha
value
1 Profile of the sample respondents 10 0.8917
2 Technology services-Level of awareness 13 0.8899
3 Problems in availing technology services 10 0.8415
4 Reasons for not availing technology services 10 0.8822
5 Factors considered while adopting to technology services 10 0.8294
6 Suggestions to improve the technology services usage 15 0.8775
The overall reliability of the questionnaire is represented by the Corn Bach’s alphas is 0.8653
and found reliable to proceed with the data collection.
8. DATA ANALYSIS AND INTERPRETATION
In this section the analysis of the data is done by using the appropriate statistics
through SPSS version 15. The first part of the study deals with descriptive statistics and the
second part deals with inferential statistics. The major findings and the results of the analysis
is discussed in the light of existing literature and presented in a brief manner.
Descriptive statistics
Table 5.1: Distribution of sample on the basis of Experience
Age Group in years Frequency Percentage
Below 20 59 12.8
21-30 198 42.9
31-40 150 32.5
Above 40 55 11.9
Total 462 100.0
It is observed from the table 5.1 that the majority of the customers in the sample
survey using technological services offered by the banks are belongs to 21-30 years age, and
it is followed by 31-40 years age group. It indicates the role of age in adopting and availing
technological services offered by the banks. One predominant reason for such relation may be
lack of time and relocation of employees from one place to other and long working hours not
permitting them to go to bank physically. In addition, the work place may be equipped with
the online facilities and could have founds easy to complete the financial payments and other
transactions through online via technological services offered by banks. The easy and free
from logistics and waiting time may motivate the customers to use such options.
Table 5.2: Distribution of Sample on the basis of Educational Stream
Education Qualification Frequency Percentage
Upto SSLC 91 19.7
HSC 71 15.4
UG 126 27.3
PG 111 24.0
Professional 63 13.6
Total 462 100.0
Source: Primary data/Questionnaire.
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It is noted from the table 5.2, that the majority of the respondents in the sample using
technical services offered by banks are under graduates and it is followed by post graduates.
The simple reason could be the majority of them are technical back ground and working in IT
firms having technical savvy. The way deal with things in both personal and professional life
is through technology and online. Such out comes are common and expected. It is the
responsibility of the banks to propagate the need for going to electronic and technical services
through explaining the advantages of it. In addition, technical services service quality needs
to be improved to build the confidence and trust among the customers.
Table 5.3: Distribution of sample on the basis of occupation
Occupation Frequency Percentage
Private Employee 247 53.5
Government Employee 87 18.8
Business 59 12.8
Professional 69 14.9
Total 462 100.0
Source: Primary data/Questionnaire.
It is found from the table 5.3, that the majority of the customers using technical services
offered by banks are employees working in private organizations. It indicates that the private
organizations are equipped with technical savvy, which can be allowed to use the technology
services offered by banks. In addition, private employees won’t get time to visit banks
frequently during working time. It is also difficult for them to reach the banks located in
distance places due to logistic issues and traffic. In such conditions private employees are
used to go for technological services offered by banks.
Table 5.4: Distribution of sample on the basis of Annual income
Annual Income in Lakhs Frequency Percentage
Below 1 170 36.8
1-3 177 38.3
3-5 71 15.4
Above 5 44 9.5
Total 462 100.0
It is noted from the table 5.4, that the 38.3 percent of the sample respondents are belongs to
the less than Rs.3 lakhs per year. It indicates the usage of banking services in increasing in
the recent past by the middle income group. It indicates a positive sign in the organized sector
growth and development in the country. The reported incomes are more means the
transparency of the financial deals. In addition, this group is the potential income group for
technological services adoption in the years to come. The hidden threat is the cost of services
to avail technology services needs to be kept under control to attract the lower income groups
in to the orbit of technology services.
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Table 5.5: Showing the level of awareness of technology services among the different
qualification groups
Educational Qualification
Educational qualification
Upto
SSLC HSc UG PG Professional
Technology services Mean Mean Mean Mean Mean
Internet Banking 4.24 4.11 4.12 4.45 4.24
Electronic bill payment 3.85 4.01 3.86 4.28 4.14
Online brokerage 3.86 3.82 3.40 3.46 3.49
Online delivery of financial products 3.80 3.66 3.44 3.56 3.54
Downloading transaction inform 3.86 3.83 3.73 4.01 3.94
Loan Applications 3.85 3.79 3.60 3.65 3.54
Mobile banking 3.86 3.82 3.81 4.23 4.11
Tele Banking 3.82 3.68 3.64 3.89 3.94
Electronic Fund Transfer (ETF) 3.88 3.83 3.59 4.28 4.08
The Electronic Clearing System
(Credit)
3.89 3.72 3.52 3.71 3.98
The Electronic Clearing System (Debit) 3.90 3.66 3.39 3.75 3.92
National Electronic Fund Transfer
(NEFT)
3.74 3.49 3.35 3.53 3.68
Real Time Gross Settlement (RTGS) 3.60 3.35 3.13 3.40 3.21
It is noted from the table 5.5, that the level of awareness on the technology enabled services
are identified among the customers lower educational profile and higher educational profile
are moderate. Majority of the services are aware of the SSLC qualified customers and into
service sector, post graduate holders and professionals. It may be due to regular usage of
these services for business purposes.
Table 5.6: indicating the problems in availing technology services by the different
qualification groups
Problems in availing Technology
services
Upto
SSLC HSc UG PG Professional
Mean Mean Mean Mean Mean
Technology do not ensure privacy 4.62 4.10 3.78 3.47 3.68
Safety to the funds is at stake due to
trapping
4.08 4.01 3.72 3.48 3.48
Technology failures 4.26 3.85 3.83 3.86 3.98
Poor level of awareness on modus
operandi
4.14 3.79 3.69 3.42 3.59
Frequent change of technology 4.00 3.77 3.56 3.41 3.43
No uniformity in operations and
services
3.92 3.68 3.71 3.50 3.65
E-banks charge more hidden cost 3.91 3.85 3.70 3.50 3.71
More formalities in updating the
changes
3.97 3.85 3.64 3.38 3.68
Network related issues 4.00 3.85 3.75 3.83 3.97
Lack of availability in many places 3.81 3.80 3.67 3.61 3.73
7. International Journal of Management (IJM), ISSN 0976 – 6502(Print), ISSN 0976 –
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The only emerged group of customers facing lot of problems in availing technology enabled
services in banks is SSLC qualification holders. It is due to higher usage for business and
service of agency services for the clients.
Table 5.7: Factors considered/influencing the adoption and availing technology services
in banks
Influencing Factors in the selection of
Technology services SD D N A SA Mean SD
Level Awareness of Technology
services
N 6 7 43 195 211
4.29 .80
% 1.30 1.52 9.31 42.21 45.67
Availability of Technology
services
N 3 23 81 252 103
3.93 .81% .65 4.98 17.53 54.55 22.29
Handling customer Grievances N 5 27 95 191 144
3.96 .92
% 1.08 5.84 20.56 41.34 31.17
Improving Security Standards N 3 19 102 215 123
3.94 .84
% .65 4.11 22.08 46.54 26.62
Developing and deployment of
user friendly services
N 6 17 92 208 139
3.99 .87
% 1.30 3.68 19.91 45.02 30.09
Graphical Screens with user
interactive nodes
N 6 21 120 178 137
3.91 .92
% 1.30 4.55 25.97 38.53 29.65
Proper Connectivity / Maintenance N 5 27 88 204 138
3.96 .91
% 1.08 5.84 19.05 44.16 29.87
Easy operating systems and
procedures
N 6 32 109 194 121
3.85 .93
% 1.30 6.93 23.59 41.99 26.19
Strong security to the electronic
data of a customer
N 8 24 89 204 137
3.95 .92
% 1.73 5.19 19.26 44.16 29.65
Updating of the customer service
information
N 12 18 106 187 139
3.92 .96
% 2.60 3.90 22.94 40.48 30.09
The prime factors considered while availing the technology enabled services are Strong
security to the electronic data of a customer, Proper Connectivity / Maintenance, Developing
and deployment of user friendly services, Handling customer Grievances, and Level
Awareness of Technology services.
Null Hypothesis (Ho): There is no association between number of years holding a bank
account and the service quality level
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Table 5.9: cross table showing association between variables along with chi-square
result
No. of years holding Bank Account
Level of quality of
services Chi-
Square
Value
P-
ValueLow
Averag
e High
Below 5 Count 43 103 46
11.033 .087NS
% within No. of years holding Bank
Account
22.4% 53.6% 24.0%
% within Level of quality of services 33.1% 47.9% 39.3%
6-10 Count 47 72 44
% within No. of years holding Bank
Account
28.8% 44.2% 27.0%
% within Level of quality of services 36.2% 33.5% 37.6%
11-15 Count 26 25 20
% within No. of years holding Bank
Account
36.6% 35.2% 28.2%
% within Level of quality of services 20.0% 11.6% 17.1%
Above 15 Count 14 15 7
% within No. of years holding Bank
Account
38.9% 41.7% 19.4%
% within Level of quality of services 10.8% 7.0% 6.0%
Since the p value is greater than 0.05, the null hypothesis, There is no association between
number of years holding a bank account and the service quality level is accepted at 5% level
of significance. Hence, it is confirmed that, there is no association between number of years
holding a bank account and the service quality level among the customers in the sample.
Null Hypothesis (Ho): There is no association between locality of living and the level of
quality of services availing from banks.
Table 5.10: Table 5.11: cross table showing association between variables along with
chi-square result
Locality of living
Level of quality of
services Chi-
Square
Value
P-
Value
Low
Avera
ge High
Urban Count 86 162 96
8.351 .015*
% within Locality 25.0% 47.1% 27.9%
% within Level of quality
of services
66.2% 75.3% 82.1%
Semi
urban
Count 44 53 21
% within Locality 37.3% 44.9% 17.8%
% within Level of quality
of services
33.8% 24.7% 17.9%
9. International Journal of Management (IJM), ISSN 0976 – 6502(Print), ISSN 0976 –
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Since p value is less than 0.05, the null hypothesis, There is no association between locality
of living and the level of quality of services availing from banks is rejected at 5% level of
significance. Hence, it is inferred that, there is an association between locality of living and
the level of quality of services availing from banks at moderate level.
Null Hypothesis (Ho): There is no association between number of times visiting bank
physically and quality of services availing from banks.
Table 5.11: cross table showing association between variables along with chi-square
result
No. of times
visiting bank
per month Level of quality of services
Chi-
Square
Value
P-
Value
Low Average High
Below 3 times Count
49 114 61
29.622
0.000*
*
% within No. of times visiting
bank per month 21.9% 50.9% 27.2%
% within Level of quality of
services 37.7% 53.0% 52.1%
3-5 times Count
38 72 45
% within No. of times visiting
bank per month 24.5% 46.5% 29.0%
% within Level of quality of
services
29.2% 33.5% 38.5%
Above 5 times Count
43 29 11
% within No. of times visiting
bank per month 51.8% 34.9% 13.3%
% within Level of quality of
services
33.1% 13.5% 9.4%
Since p value is less than 0.001, the null hypothesis, There is no association between number
of times visiting bank physically and quality of services availing from banks is rejected at 1%
level of significance. Hence, it is inferred that, there is a highly significant association
between number of times visiting bank physically and quality of services availing from
banks.
Null Hypothesis (Ho): There is no association between purpose of visiting a bank and
quality of services availing from banks.
10. International Journal of Management (IJM), ISSN 0976 – 6502(Print), ISSN 0976 –
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Table 5.12: Table 5.11: cross table showing association between variables along with
chi-square result
Purpose of
visiting to
bank
Level of quality of services Chi-
Square
Value
P-Value
Low Average High
Deposit
money
Count
46 118 64
19.453 .013*
% within Purpose of
visiting to bank
20.2% 51.8% 28.1%
% within Level of
quality of services
35.4% 54.9% 54.7%
Withdraw
cash
Count
45 48 33
% within Purpose of
visiting to bank
35.7% 38.1% 26.2%
% within Level of
quality of services 34.6% 22.3% 28.2%
Getting
information
Count
15 26 11
% within Purpose of
visiting to bank
28.8% 50.0% 21.2%
% within Level of
quality of services 11.5% 12.1% 9.4%
Apply for
loan
Count
13 15 5
% within Purpose of
visiting to bank
39.4% 45.5% 15.2%
% within Level of
quality of services
10.0% 7.0% 4.3%
Access
public utility
services
Count
11 8 4
% within Purpose of
visiting to bank 47.8% 34.8% 17.4%
% within Level of
quality of services 8.5% 3.7% 3.4%
Since, p value is less than 0.05, the null hypothesis, There is no association between purpose
of visiting a bank and quality of services availing from banks is rejected at 5% level of
significance. Based on this it is inferred that, There is a significant association between
purpose of visiting a bank and quality of services availing from banks.
Null Hypothesis (Ho): There is no association between type of bank account maintained and
the quality of services availed from banks.
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Table 5.13: Table 5.11: cross table showing association between variables along with
chi-square result
Type of bank
account
maintained
Level of quality of services Chi-
Square
Value
P-
Value
Low Average High
Public Sector
Bank
Count
56 135 63
21.540 0.001**
% within Type of bank
account maintained
22.0% 53.1% 24.8%
% within Level of
quality of services 43.1% 62.8% 53.8%
Private Sector
Bank
Count
53 61 49
% within Type of bank
account maintained 32.5% 37.4% 30.1%
% within Level of
quality of services 40.8% 28.4% 41.9%
Foreign Bank Count
13 9 3
% within Type of bank
account maintained 52.0% 36.0% 12.0%
% within Level of
quality of services 10.0% 4.2% 2.6%
Co-operative
Bank
Count
8 10 2
% within Type of bank
account maintained
40.0% 50.0% 10.0%
% within Level of
quality of services 6.2% 4.7% 1.7%
Since, p value is less than 0.001, the null hypothesis, There is no association between type of
bank account maintained and the quality of services availed from banks is rejected at 1%
level of significance. Based on this, it is confirmed that, There is a highly significant
association between type of bank account maintained and the quality of services availed
from banks.
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Factor Analysis
Table 5.14: Rotated Component Matrix showing factors emerged along with score
loadings
Items loaded as technical services 1 2 3 Factors
Internet Banking .744 .096 .104
Utility
services
Electronic bill payment .722 .188 .230
Mobile banking .705 .148 .194
Downloading transaction information .622 .216 .365
Tele Banking .561 .205 .358
Electronic Fund Transfer (ETF) .559 .556 .017
The Electronic Clearing System (Debit) .241 .781 .178
Fund transfer
services
National Electronic Fund Transfer (NEFT) .182 .771 .109
Real Time Gross Settlement (RTGS) -.034 .758 .321
The Electronic Clearing System (Credit) .337 .714 .191
Online delivery of financial products .261 .150 .818
Agency
services
Online brokerage/trading .161 .223 .791
Loan Applications .382 .224 .606
Technology enabled services of banks are broadly grouped into three types, The first kind of
services are mentioned as utility services, the second set of services are called as fund transfer
services, and the final category of services are titled as agency services.
Factor Analysis-II
Table:5.15: Problems in availing technology services by the customers along with factor
loadings and emerged factors.
Items Component
Items shown as problems 1 2 Factors
Lack of availability in many places .728 .120
Operating
problems
Network related issues .712 .062
No uniformity in operations and services .687 .320
More formalities in updating the changes .637 .244
E-banks charge more hidden cost .616 .307
Technology do not ensure privacy .042 .831
Safety and
Security problems
Safety to the funds is at stake due to trapping .129 .739
Frequent change of technology .382 .618
Poor level of awareness on modus operandi .338 .596
Technology failures .442 .544
There are two factors emerged, grouping the level of awareness of technological services
offered by the banks. They are titled as operating problems and safety and security problems.
13. International Journal of Management (IJM), ISSN 0976 – 6502(Print), ISSN 0976 –
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10. SUMMARY AND CONCLUSION
The data analysis gives the various hidden facts with the empirical evidences. Some
of the findings of the study are: Majority of the customers in the sample survey using
technological services offered by the banks are belongs to 21-30 years age, and it is followed
by 31-40 years age group. It indicates the role of age in adopting and availing technological
services offered by the banks. One predominant reason for such relation may be lack of time
and relocation of employees from one place to other and long working hours not permitting
them to go to bank physically. The level of awareness on the technology enabled services is
identified among the customers lower educational profile and higher educational profile are
moderate. Majority of the services are aware of the SSLC qualified customers and into
service sector, post graduate holders and professionals. It may be due to regular usage of
these services for business purposes.
The prime factors considered while availing the technology enabled services are
Strong security to the electronic data of a customer, Proper Connectivity / Maintenance,
Developing and deployment of user friendly services, Handling customer Grievances, and
Level Awareness of Technology services. There is a highly significant association between
number of times visiting bank physically, purpose of visiting a bank, type of bank with which
account maintained and quality of services availing from banks. Technology enabled
services of banks are broadly grouped into three types, The first kind of services are
mentioned as utility services, the second set of services are called as fund transfer services,
and the final category of services are titled as agency services. There are two factors
emerged, grouping the level of awareness of technological services offered by the banks.
They are titled as operating problems and safety and security problems.
It is concluded that the technology enabled services are order of the day. The primary
impediments in adopting and availing them are level of awareness, availability and
accessibility, trust factor among the customers fore the data and for the money saved. It is the
responsibility of the banks to ensure the safe delivery of technology enabled services to the
bankers in the years to come. The provision of technology enabled services at affordable cost
is the strategy can succeed in the years to come. The mutually win-win situation can benefit a
lot to the banks and customer at large.
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