AbstractConsumers are increasingly using mobile devices, such as smart phones and tablets, for purchasing goods and services. The increase in the number of smartphone users, gives a golden opportunity for all businessmen to develop their business by developing an App. In order to grasp business opportunities, organizations are concentrating on developing mobile apps to acquire many customers and deliver highest quality engagement within a dynamic changing marketplace. The present study analysis of primary data was being carried out through online survey and was uploaded in a website, name qualtrics survey software. The findings of the study suggested that, it is not a wrong thought for small businessman to have a mobile app for their business. Let these small business units start build a stronger relationship with their customer through a medium called APPs.
AbstractThis paper presents a conceptual framework illustrating the interrelationship among emotional intelligence, social capital, and quality education. Quality education refers to an inclusive and empowering system that fosters the holistic development of students, arming them with life skills and preparing them for future challenges. A review of existing literature reveals that emotional intelligence is a critical component for nurturing well-rounded individuals. It functions as a key catalyst in building social capital-characterized by trust, empathy, and collaborative relationships within educational environments. Social capital, in turn, strengthens the outputs of the education system, thereby contributing to the delivery of quality education. Within the proposed framework, emphasis is placed on enhancing emotional intelligence among both students and teachers. The model delineates pathways through which emotional intelligence can be cultivated, subsequently leading to stronger social bonds and more effective educational and personal outcomes.
AbstractThis study aims to determine whether financially literate individuals are more efficient at detecting fraud. Our study explicitly investigates the role of financial literacy in protecting students from fraud, utilizing 279 survey responses. Our findings demonstrate that as students' financial literacy levels increase, their ability to detect fraud also increases rapidly. We have sequentially introduced other socio-demographic factors in our analysis to measure the stepwise effect of financial literacy on fraud detection. Our results indicate that other control factors, such as income and a higher level of education, show significance; however, financial literacy remains a strong and significant factor in fraud detection among all.
AbstractPurposeThis study explores the factors shaping retail brand equity (RBE) in fashion and footwear stores across tier-2 cities in Tamil Nadu and Kerala, where organised retail is expanding rapidly.MethodologyA survey of 810 consumers in eight cities-Madurai, Trichy, Salem, Tiruppur, Thrissur, Kozhikode, Kollam, and Palakkad-was conducted. Respondents listed three frequently visited stores, from which one was randomly selected. Eight determinants and RBE were measured on a five-point Likert scale, and relationships analysed using Confirmatory Factor Analysis (CFA) and Structural Equation Modelling (SEM).FindingsAssortment and ambiance are the strongest drivers of RBE, followed by sustain ability, price, service, and omnichannel experience. Communication has moderate influence, while location is not significant.Practical ImplicationsRetailers should prioritise culturally relevant assortments, engaging store environments, sustainable initiatives, and accessible omnichannel services, rather than relying solely on location.Originality/valueBy examining sustainability and omnichannel experience in tier-2 Indian markets, this study extends the RBE framework to a less explored context.
Online banking has transformed financial services by enabling users, particularly digitally savvy students, to conduct banking activities conveniently anytime and anywhere. This study investigates key factors influencing online banking acceptance among undergraduate and postgraduate students in India using an extended Technology Acceptance Model framework. The research focuses on four critical constructs: Perceived Usefulness, Perceived Ease of Use, Security and Privacy, and Quality of Internet Connection. Data were collected via a structured survey of 318 valid responses from university students and analyzed using exploratory factor analysis and regression techniques to assess the impact of these factors on online banking acceptance. Findings reveal that all four constructs significantly affect students’ acceptance of online banking, with security and privacy concerns emerging as pivotal. Quality of internet connectivity also plays a substantial role, underscoring the importance of reliable digital infrastructure. The study contributes to the literature by integrating technical, behavioral, and environmental variables, providing practical insights for financial institutions and policymakers to enhance digital banking adoption among younger demographics. The discussion highlights implications for designing secure, user-friendly, and accessible online banking platforms, emphasizing the need to continuously improve security measures and internet services to meet evolving user expectations.
The study examines the day-of-the-week effect in the Indian stock market to investigate the underlying return pattern on a specific day. For that purpose, the daily closing prices of the two indices, Nifty 50 and Sensex, of the National Stock Exchange (NSE) and the Bombay Stock Exchange (BSE) are sourced from the official websites of NSE and BSE. The return pattern is evaluated by employing a symmetric and asymmetric GARCH model i.e. GARCH (1,1) and EGARCH(1,1). The results show that Monday & Friday yield the significantly highest returns and Wednesday & Thursday yield the significantly lowest returns. The days with the highest and lowest return days differ across the symmetric and asymmetric GARCH model, indicating the sensitivity of return towards the news. Thus, the study provides valuable insight to investors and traders in order to formulate their purchasing and selling strategies. It also assists the market analysts and researchers in analysing the cause of the variations in the return and volatility on the different days of the week and helps them to formulate the guidelines, regulations, and policies to foster the efficient market.
The straddling of rural-urban divide continuous with a sharp distinction between rural and urban residents exists in their livelihood and can be mainly grouped as agriculture based in rural areas and manufacturing and service based in urban areas (Tacoli 1998), accordingly the people financial requirements also differs. Microcredit has emerged as a major innovation of credit and savings system for poor families in the rural financial market revolutions in developing countries (Pretty and Ward 2001), in particularly the concept has made first revolution in the Theory of credit and policy (Woller2002) in India. With appreciable outreach, savings mobilization, low rate of interest and high repayment rate, the importance of SHG banking is nebulous due to intricate participation formal and informal institutions- is addressed in this paper exploring the existing credit pattern and extent of credit substitution. Hyderabad the capital of Andhra Pradesh (AP) which is predominant in SHG bank linkage in India was selected for the study. The study reveal that rural SHGs members have taken more loans from SHG source than from other formal institution -namely banks to meet their all three types of production, consumption and emergency credit needs. In addition, it was found that both rural and urban member have considerably agreed that SHG has helped in reducing taking credit from banks, friends and relatives. The study ends with conclusion that group based microcredit has become a favorable alternate form of credit and also acts as a complementary source along with other forms of credit, substituting the financial needs over a varied range of purposes.
Employer branding has emerged as a vital tool in talent management, particularly in industries like Information Technology (IT), where demand for upskilling competencies is high. This study explores the relationship between employer branding and talent management in leading Indian IT firms. It focuses on understanding how key organizational factors such as work-life balance, career development, compensation and corporate social responsibility (CSR) impact employee commitment and retention.
Trust is a very important characteristic of any relationship be it a personal relationship or a professional relationship. Presence of trust in any professional setup is important as it brings faith and confidence in a relationship. It helps people to work in a safe and healthy environment. Therefore, it becomes essential to have such an environment in which members trust each other. This study is an attempt to access the importance of trust and whether it exists among the teaching members of an educational institution. A survey was conducted among the professional courses’ teaching staff of the Faculty of Medicine, Faculty of Engineering, and Faculty of Management Studies and Research, of Aligarh Muslim University, Aligarh."Affect based trust and cognition-based trust" were independent variables, whereas knowledge sharing and strong bonding between the academicians were dependent variables."Exploratory Factor Analysis, Confirmatory Factor Analysis, and Structural Equation modelling were used as tools of analysis."The results of the study show that there is a positive relationship between "affect-based trust and knowledge sharing intention", between "cognition-based trust and knowledge sharing intention", and between "knowledge sharing intention and strong bonding".
