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This is the first study of its kind to explore the relationship between studentsʼ year of education and their intention to start a business once they have completed their undergraduate studies. The article also examines studentsʼ cumulative grade point average and their intention to start a business once they have completed their undergraduate studies.These pioneering findings are based on an extensive title review (including their summaries) of hundreds of articles related to these factors listed in EBSCO.

In the last 10 years, the global financial services industry has significantly benefited from fintech. As the Indian entrepreneurial ecosystem continues to change, more fintech-use case-driven firms are created, and more investors are supporting these enterprises. India is acknowledged as a powerful fintech centre internationally.

The goal of the current research is to comprehend the revolutionary landscape of the Indian financial system.

Methodology: The research methodology entails a thorough review of several research papers and government reports better to understand fintech's role in the Indian financial system. This requires examining the trends, regulations and technical breakthroughs driving the fintech ecosystem to present a comprehensive picture of its influence.

The present chapter indicates that the fintech industry is flourishing in India. Over the following years, technological improvements will fuel the market's continuous expansion and change how financial products and services are produced, distributed and used.

Software fault prediction is an important concept that can be applied at an early stage of the software life cycle. Effective prediction of faults may improve the reliability and testability of software systems. As service-oriented architecture (SOA)-based systems become more and more complex, the interaction between participating services increases frequently. The component services may generate enormous reports and fault information. Although considerable research has stressed on developing fault-proneness prediction models in service-oriented systems (SOS) using machine learning (ML) techniques, there has been little work on assessing how effective the source code metrics are for fault prediction. The paper aims to discuss this issue.

In this paper, the authors have proposed a fault prediction framework to investigate fault prediction in SOS using metrics of web services. The effectiveness of the model has been explored by applying six ML techniques, namely, Naïve Bayes, Artificial Networks (ANN), Adaptive Boosting (AdaBoost), decision tree, Random Forests and Support Vector Machine (SVM), along with five feature selection techniques to extract the essential metrics. The authors have explored accuracy, precision, recall, f-measure and receiver operating characteristic curves of the area under curve values as performance measures.

The experimental results show that the proposed system can classify the fault-proneness of web services, whether the service is faulty or non-faulty, as a binary-valued output automatically and effectively.

One possible threat to internal validity in the study is the unknown effects of undiscovered faults. Specifically, the authors have injected possible faults into the classes using Java C3.0 tool and only fixed faults are injected into the classes. However, considering the Java C3.0 community of development, testing and use, the authors can generalize that the undiscovered faults should be few and have less impact on the results presented in this study, and that the results may be limited to the investigated complexity metrics and the used ML techniques.

In the literature, only few studies have been observed to directly concentrate on metrics-based fault-proneness prediction of SOS using ML techniques. However, most of the contributions are regarding the fault prediction of the general systems rather than SOS. A majority of them have considered reliability, changeability, maintainability using a logging/history-based approach and mathematical modeling rather than fault prediction in SOS using metrics. Thus, the authors have extended the above contributions further by applying supervised ML techniques over web services metrics and measured their capability by employing fault injection methods.

The purpose of this paper is to examine differences in property institutions in the USA and India and their effects on agricultural productivity.

This paper undertakes a case study of industrial organization of agriculture, comparing agricultural development in the USA and India, with a focus on changes in farm size over time.

In the USA, unlimited individual land ownership has enabled the gradual, long-term development of scale economies in agriculture through the application of capital and technology. In contrast, land reforms in India, especially land ceilings that limit farm size, have stunted productivity growth in agriculture by limiting achievement of scale economies and capital formation.

The finding that India’s consistently meager agricultural productivity stems largely from legal limitations on land ownership indicates that reforms that create a US-style open-ended land ownership structure would greatly increase farm productivity and total crop output in India.

This paper presents a side-by-side analysis of the USA and India and their radically different paths of agricultural development over time, and connects these divergent outcomes directly to the underlying institutional framework of property rights. Moreover, the paper analyzes the prospects for pro-market reform in light of public choice political economy, specifically applying Tullock’s insights regarding the “transitional gains trap.”

The case includes links to video clips on textile and apparel manufacture to familiarize students with the textile manufacturing process. The case also provides links to audio and video clips of the case protagonist discussing the strengths and weaknesses of the cluster at IK.

The case offers opportunities for the learner to analyze the situation from three cases as follows: industry, cluster (broadly location) and firm. Specific teaching objectives are as follows: How to identify and analyze the drivers of competitiveness of a cluster. Assess the strength of clusters using Porter’s Diamond framework. Map the linkages between players of a cluster as follows: across firms, industries and public organizations. Benchmark and compare clusters to identify opportunities for upgrading competitiveness.

The case describes the challenge facing Mr Nikunj Bagdia, the owner and chief executive of Ken Enterprises Private Limited (Ken), a textile manufacturing unit located in the town of Ichalkaranji (IK), in October of 2019. IK boasts the largest number of cutting-edge air-jet looms in India and Ken is IK’s largest exporter of woven textile fabrics. However, IK lags the textile and apparel manufacturing cluster of Tiruppur, in another region of the country. The case enables a microeconomic analysis of the business environment of industrial clusters and a cluster mapping exercise, which helps identify opportunities for enhancing IK’s textile cluster. As the case closes, Nikunj is trying to prioritize opportunities that could emerge from the analyzes.

Masters/MBA level courses on competitiveness, strategy for economic development and microeconomics of competitiveness.

CSS 11: Strategy.

Financial Services Marketing, Financial Inclusion, Emerging Market Studies.

The case is suitable for graduate management students in courses such as general management and marketing courses. It is also suitable for a specialised rural marketing course and marketing of financial services. In business schools outside India, the case can be used in a course on marketing strategies for emerging economies. The case is suitable for executive development programmes for the areas pertaining to rural banking, marketing of banking services and financial inclusion programmes.

The case analyses the financial inclusion initiative by Odisha Gramya Bank, a regional rural bank set up after amalgamation of three banks in the state of Orissa, India. The topic of financial inclusion has been the attraction from bankers, policymakers and academia in light of linkage between formal financial system and inclusive growth. To harness the fortunes at the bottom of pyramid, the case looks into the development of financial inclusion, business strategies and strategies for various customer segments.

To introduce students to analyse and compare various financial inclusion options. The case is useful to comprehend the various methods of financial inclusion. To analyse the evolution of regional rural banks and Odisha Gramya Bank after its amalgamation. To appreciate the issues faced by Odisha Gramya Bank. To understand various market segment and to evaluate its potential. To suggest appropriate strategies for each market segment. To appreciate how technology can be harnessed for business correspondents. To recommend the roadmap for financial inclusion to Mr Sidharthan, Chairman, Odisha Gramya Bank.

Teaching notes are available for educators only. Please contact your library to gain login details or email support@emeraldinsight.com to request teaching notes.

CSS 8: Marketing.

The purpose of this paper is to analyse the budget of the Indian family planning programme from a human rights perspective. Family planning services play an important role in the realisation of the reproductive rights of women. In India, the family planning programme is one of the largest in the world with thousands of patients, mostly women, accessing services every year. Although the Indian legal system guarantees the right to health, Indian women from marginalised sections of society still battle inadequate services and the absence of health care that respects their right to reproductive autonomy and choice. Therefore, the question is: in the presence of a strong legal framework, what are the factors that contribute to this phenomenon?

The authors have gathered data from the project implementation plans at the state level comparing year-wise expenditure for family planning against overall expenditure for reproductive, maternal and child health expenditure. The data are then compared to the number of women using sterilisation to suggest a relationship between both. Finally, the article relies on desk research to review scholarship on the Indian family planning programme and applicable human rights obligations.

The paper finds that social-economic rights such as the right to health are applicable to government spending and budgeting. It also finds current spending in the NHM is insufficient to guarantee women’s reproductive rights as the vast majority of resources are spend on sterilisation, thus limiting women’s ability to choose the number and spacing of children.

The data used in this research bears one limitation: the propensity of the government to change the guidelines as to how States should present their budgets in the project implementation plans. The authors have adjusted the data so that it remains comparable. However, the adjustment was not possible for all expenditure data, which is why the current study is limited to the family planning programme alone.

The paper argues that to be human rights compliant, health budgets of the NHM need to be geared towards the specific needs of women in terms of family planning. Finally, the article briefly outlines the role played by human rights and human rights litigation in impacting government budgets.

India’s family planning programme has been examined from a performance and medical standpoint, focussing on medical indicators such as total fertility rate, unmet needs for family planning, amongst others. Academic scholarship has investigated through statistical analysis patterns of contraceptive use and contraceptive mix. What is absent, however, is an assessment of the programme from a right-based perspective by looking at the human rights obligations of India and their normative implications for the Indian family programme.

Social health insurance framework of any country is the national identifier of the country’s policy for taking care of its population which cannot access or afford quality healthcare. The purpose of this paper is to highlight the strategic imperatives of digital technology for the inclusive social health models for the BoP customers.

A qualitative exploratory study using in-depth personal interviews with 53 Indian health insurance CXOs was conducted with a semi-structured questionnaire. Using MaxQDA software, the interview transcripts were analyzed by means of thematic content analysis technique and patterns identified based on the expert opinions.

A framework for the strategic imperatives of digital technology in social health insurance emerged from the study highlighting three key themes for technology implementation in the social health insurance sector – analytics for risk management, cost optimization for operations and enhancement of customer experience. The study results provide key insights about how insurers can enhance the coverage of BoP population by leveraging technology.

The framework would help health insurers and policymakers to select strategic choices related to technology that would enable creation of inclusive health insurance models for BoP customers.

The absence of specific studies highlighting the strategic digital imperatives in social health insurance creates a unique value proposition for this framework which can help health insurers in developing a convergence in their risk management and customer delight objectives and assist the government in the formulation of a sustainable social health insurance framework.