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Subrahmanyam, N.
- Digital Aspects of Banking Progress and Way Forward with Special Reference to a Rural Areas in Andhra Pradesh
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Authors
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
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
Source
Journal of Commerce and Accounting Research, Vol 10, No 3 (2021), Pagination: 72-78Abstract
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
References
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- A Study of Financial Literacy Awareness among Working Employees, with Special Reference to the Telangana Region
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Authors
Affiliations
1 Research Scholar, Department of Business and Management, KL Business School, KL University (Deemed to be University), Green Fields, Vaddeswaram, Guntur, Andhra Pradesh, IN
2 Professor, Department of Business and Management, KL Business School, KL University (Deemed to be University), Green Fields, Vaddeswaram, Guntur, Andhra Pradesh, IN
3 Professor, Head Department of Business Administration, KL Business School, KL University (Deemed to be University), Green Fields, Vaddeswaram, Guntur, Andhra Pradesh, IN
1 Research Scholar, Department of Business and Management, KL Business School, KL University (Deemed to be University), Green Fields, Vaddeswaram, Guntur, Andhra Pradesh, IN
2 Professor, Department of Business and Management, KL Business School, KL University (Deemed to be University), Green Fields, Vaddeswaram, Guntur, Andhra Pradesh, IN
3 Professor, Head Department of Business Administration, KL Business School, KL University (Deemed to be University), Green Fields, Vaddeswaram, Guntur, Andhra Pradesh, IN
Source
Journal of Commerce and Accounting Research, Vol 11, No 1 (2022), Pagination: 16-22Abstract
Financial literacy is the blend of one’s knowledge, skills, and manners regarding financial matters. It helps one make well-versed decisions and improve personal welfare. Research have been conducted globally for measuring the scope of financial literacy. Financial literacy study has been conducted at different levels through the governments in different areas; in addition, researchers are conducting surveys on it. This paper concentrated on financial literacy among working employees and to observe how well-resourced they are to take financial decisions. A survey has been conducted through a questionnaire to compute the attentiveness of financial literacy of working employees in the Telangana region. The study portrays that gender, education, income, and age impact the altitude of financial literacy; further, the focal point of a relationship in investment choice of the respondents is based on some parameters. All investment avenues, except marriage and post office schemes, have an impact on financial literacy. This paper will help one adopt suitable strategies to hunt for the altitude of financial literacy among the working employees.Keywords
Financial Literacy, Investment Risk, Insurance, Working EmployeesReferences
- Atkinson, A., & Messy, F.-A. (2012). Measuring financial literacy: Results of the OECD / International network on financial education (INFE) pilot study. Working Paper No. 15. OECD Publishing.
- Chaoudhary, K., & Kamboj, S. (2017). A study of financial literacy and its determinants: Evidence from India. Asian Journal of Accounting Perspectives, 10(1), 52-72.
- Huston, S. J. (2010). Measuring financial literacy. The Journal of Consumer Affairs, 44, 296-316.
- Nga, J. K. H., Yong, L. H. L., & Sellappan, R. D. (2010). A study of financial awareness among youths. Young Consumers: Insight and Ideas for Responsible Marketers, 11(4), 277-290.
- OECD INFE. (2011). Measuring financial literacy: Core questionnaire in measuring financial literacy: Questionnaire and guidance notes for conducting an internationally comparable survey of financial literacy. Paris: OECD. OECD International Network on Financial Education (INFE). Retrieved from https://www.oecd.org/
- Sekar, M., & Gowri, M. (2015). A study on financial literacy and its determinants among Gen Y employees in Coimbatore city. Great Lakes Herald, 9(1), 35-45.
- Financial Problems and Prospects of MSMEs in the State of Telangana
Abstract Views :205 |
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Authors
Affiliations
1 Research Scholar, Department of Business and Management, KL Business School, KL University (Deemed to be University), Green Fields, Vaddeswaram, Guntur, Andhra Pradesh, IN
2 Professor, Department of Business and Management, KL Business School, KL University (Deemed to be University), Green Fields, Vaddeswaram, Guntur, Andhra Pradesh, IN
1 Research Scholar, Department of Business and Management, KL Business School, KL University (Deemed to be University), Green Fields, Vaddeswaram, Guntur, Andhra Pradesh, IN
2 Professor, Department of Business and Management, KL Business School, KL University (Deemed to be University), Green Fields, Vaddeswaram, Guntur, Andhra Pradesh, IN
Source
Journal of Commerce and Accounting Research, Vol 11, No 4 (2022), Pagination: 09-14Abstract
MSMEs have been playing an important role in the overall economic development of a country like India, where millions of people are underemployed or even unemployed. Despite an intricate policy framework, their progress is hampered by a few basic constraints, like finance accessibility, lack of technical knowledge and skilled manpower, and inadequate infrastructure in suburban and rural areas. This paper presents the research methodology for analysing the financial problems and prospects of MSMEs in the Indian state of Telangana. The research model uses primary and secondary data for the analysis. The questionnaire was prepared and distributed to the managers or owners of 500 MSMEs, and their responses were obtained. The results show that most of the MSMEs are facing the financial problem of shortage of working capital. The MSMEs have many prospects, like improved productivity through Skill India, unprecedented entrepreneurial opportunities with industrial area development, and so on.Keywords
Micro, Small, and Medium Enterprises (MSMEs), Financial Problems and Prospects, Telangana, Problems of MSMEs, Enterprises.References
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- Nema, D. K., & Suryavanshi, P. (2021). An empirical study on problems and prospects of micro, small and medium enterprises (MSMEs) in Madhya Pradesh. Innovation the Research Concept, 6(5), 27-34, 2021.
- Rahman, M. (2011). Small and medium enterprises development in Bangladesh problems and prospects. ASA University Review, 5(1), 145-160.
- Singh, A. (2021). MSMEs sector in India current status and prospect. International Journal of Innovative Research in Engineering and Management (IJIREM), 8(4), 42-45.
- Biswas, M., & Vernekar, A. (2019). An empirical study on problems and prospects of micro small and medium enterprises in Bengaluru, Karnataka. ABBS Management Business and Entrepreneurship Review, 10(1), 15-20, 2019.
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- Jaswal, S. S. (2014). Problems and prospects of micro, small and medium enterprises (MSME’s) in India. International Journal of Innovative Research and Studies, 13(5), 141-161.
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