J. Sethuraman ¹, C. Vijayabanu ¹, C. Therasa ¹

Affiliations
1 School of Management, SASTRA University, Thanjavur - 613401, Tamil Nadu, IN

Abstract

Background/Objectives: The expansion of banking channels from branch to off-site formats have ushered in changes in the banking habits of customers across geographies. The expansion of the channels by banks were mainly intended as experience enhancement tools in addition to migrating the customers and reduce the operational costs through brick and mortar format. But whether the improvements in the channel paradigm have reached the urban, semi urban and rural banking customer is a big question and the study is intended to bring out the channel usage matrix of customers across banks and across geographies and the impact of these channels on the last mile customers having accounts across banks. Methods/Analysis: The study analyzed the awareness and usage pattern of ATM, Internet and Mobile Banking among 200 bank customers through a structured questionnaire. The collected data was analyzed using SPSS. The gap between the awareness and usage level was found out. In addition to that, correlation and regression analysis were also carried out. Findings: The results of the study confirmed that whether the channel offerings by banks are really reaching customers across rural, semi urban and urban bank customers and translate into usage more than the awareness. Applications/Improvements: The implications for banks will be two fold. It will help banks to know the awareness level of their digital channels among their customers. It will also enable them to undertake research on the usage level of their channels across customer segments and retune their strategies for maximum penetration as well as usage.

Keywords

Alternate Channels, ATM, Awareness, Bank Accounts, Bank Branches, Channels, Digital Strategies, Gap, Internet Banking, Mobile Banking, Usage.

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M. Anuradha ¹, J. Sethuraman ¹

Affiliations
1 School of Computing, SASTRA University, Thanjavur - 613401, Tamil Nadu, IN

Abstract

Background/Objectives: Search engines such as Google uses the indexed results to respond to the user’s query. It also uses ranking algorithm namely Pagerank algorithm to rank the web pages. Ranking mechanism works offline and the value is static. Pagerank algorithm uses uniform probability distribution and Power iteration to rank the web. Though the method is simple and efficient, applying it to large scale is not effective since the computational cost is expensive and the convergence occurs at slower rate. Methods: The proposed work Proximity Prestige algorithm uses degree prestige along with proximity prestige and the calculation method used is Incremental Iteration. In Degree Prestige, a web page has more prestige if it has many in links. Proximity Prestige is defined by the closeness of other web pages that links to that page. It uses non-uniform transition probability for computing the rank vector. Findings: This work enhances the rank of a web page. From this work it is proven that when a page is more close to its home page and if it receives more in links, its rank value increases. Applications: It can be used by the search engines to compute the rank of a web page in accordance with the proximity and the incremental iteration method could be applied in the area where computational cost is expensive.

Keywords

In Links, Matrix, PageRank, Prestige, Transition Probability.

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