Journal of Commerce and Accounting Research

Nishant V. Vachhani ¹, Sanjay Bhayani ²

Affiliations
1 Department of Management, AITS, Rajkot, Gujarat., IN
2 Department of Business Management, Saurashtra University, Rajkot, Gujarat., IN

Abstract

Customers are no more common for industries. They are available online as well as offline. Almost a decade back, customers used to purchase physically. Now-a-days, their level of awareness regarding the applicability of internet is enhanced. Now, they are habituated to surf an internet to satisfy their categorical needs. Customers are purposive and know the benefits of an internet. But question is, would they like to have the adequate trust on the various applications of an internet. Are they satisfied? Are they aware? Are they safe? There are so many questions arising in our mindset. Main motto is to know whether the various predictors like gender, age, income, qualification, work experience, residence, price, quality, time affect to the online customer purchasing. All customers have the differences in availing services of an internet. There are many ISP (Internet Service Providers) which offers wired as well as wireless internet connections to the customers. All customers have different views regarding the selection of a specific ISP. Online customer accesses internet for the services like email, news, stock market, games, songs, videos, movies etc. Based on their varied interests, they define their goal of purchasing. Sometimes, accessibility on an internet depends over the most likely-able internet facilitators like web browser, internet speed, Wi-Fi etc. Ultimately, B2C Model - businesses need to understand all these points to justify the desires of colorful customers.

Keywords

ISP (internet Service Provider), Wireless, Web Browser, WI-FI (wider Fidebility), B2C (business-to-customer)

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Sanjay Bhayani ¹, Butalal Ajmera ²

Affiliations
1 Professor and Head, Former Dean, Department of Business Management, M.B.A. Programme, Saurashtra University, Rajkot, Gujarat, IN
2 Associate Professor, Department of Commerce, M.K. Bhavnagar University, Gujarat, IN

Abstract

In this paper researcher has tried to study the dividend policy decision of selected cement companies in India. Secondary data have been used. Study period was of five year from 2014 -2015to 2018-2019. Researcher identified important variables like DPR, EPS, DPS, CR, QR and Firm size for dividend policy. Multiple correlation matrix and penal data analysis techniques have been used to study determinates of dividend policy. Hausman test has also been used to select between random effect model and fixed effect model. Hausman test suggested that random effect mode is appropriate. Result of correlation matrix suggested that DPR is insignificantly correlated with CR, QR and firm size. Result of Pooled Ordinary Least Square Model indicates that EPS, DPS, CR, QR and Firm size are insignificant to DPR. The result of Random effect model shows that EPS, DPS, CR, QR and Firm size have also been insignificant to DPR.

Keywords

Dividend Policy, Earning, Liquidity and Firm Size.

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N. Subrahmanyam ¹, Sanjay Bhayani ², P. Venkateswara Rao ³, Govinda Rajan ⁴

Affiliations
1 Professor of Finance, KL Business School, Koneru Lakshmaiah Education Foundation, Andhra Pradesh, IN
2 Professor, Head and Dean, Department of Business Management, Saurashtra University, Rajkot, Gujarat, IN
3 Professor and Head BBA, KL Business School, KL University, Guntur, Andhra Pradesh, IN
4 Associate Professor, KL Business School, KL University, Guntur, Andhra Pradesh, IN

Abstract

The banking industry has changed drastically over the years and nowadays, a majority of customers prefer to conduct basic financial transactions online, leading to the popularity of digital banking. Digital banking offers more convenience, for both the banks and its customers. While customers can save time and enjoy hassle-free convenient banking transactions that can be conducted on-the-go, banks save money on physical infrastructure and hiring costs by moving a part of their transactions online. Today, most banks with physical branches also offer online banking or Internet banking, which enables customers to access their account information online, and also make transfers or set up automatic payments. A digital bank takes the transition to the Internet a step forward, by eliminating the need for physical branches completely. A recent innovation in the Indian banking industry, the formation of Small Finance Banks (SFBs) and Payment Banks, has started to penetrate the rural areas, to satisfy people who did not have access to financial services earlier. The paper attempts to know how far the rural and urban population are influenced by digital banking, level of customer satisfaction in digital banking, and further progress in digital banking. The study was conducted in Gudivada, Krishna District, Andhra Pradesh, with a sample size of 300, both from urban (150) and rural (150) areas. Through a structured questionnaire data were collected by following a convenient quota sampling. It is statistically proved that people are satisfied with digital banking and expect a separate centre for grievance settlement, thereby improving customer satisfaction and leading to the attainment of a Digital India.

Keywords

Digital Payment, Networking, Internet Banking, Customer Satisfaction, Safety Measures

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