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Book part
Publication date: 24 August 2004

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Handbook of Transport Geography and Spatial Systems
Type: Book
ISBN: 978-1-615-83253-8

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Handbook of Transport Geography and Spatial Systems
Type: Book
ISBN: 978-1-615-83253-8

Book part
Publication date: 15 May 2023

Anshu Aradhna, Saurabh Kumar and Arvind Kumar Shukla

Purpose: Progression is an unpreventable reality of presence, and banking is no exclusion. Cash transformers and moneylenders from times gone past are great agents today. Cash…

Abstract

Purpose: Progression is an unpreventable reality of presence, and banking is no exclusion. Cash transformers and moneylenders from times gone past are great agents today. Cash held in trust became store taking, and money advancing became credit making; over an extended time, banks transformed into a need, and the occupation of banks, transformed into a critical piece of monetary reality. Banks’ turn of events and headway has been mind-boggling, with the latest frenzy being intuitive media banking. The chapter additionally framed the amazing open doors and dangers for banks because of the presentation of innovations and how banks are making the most of the open doors and endeavouring to cure the risks. The financial area in India is a lifesaver for the country. Indian banks could become the fifth most prominent on earth by 2020 and the third most prominent by 2025.

Methodology: This study has given auxiliary information. Furthermore, it’s gathered from the holding bank of India concerning utilisation by various banks. Which utilised graphic review including mean mode middle.

Finding: After the review, we find that sight, sound, and green banking have become fantastic assets for the baking area. During COVID-19, the utilisation of mixed media expanded in contrast to a year ago.

Significance: The review featured sight and sound and green banking sealed spine in COVID -19 and is utilised expanded after this pandemic.

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Contemporary Studies of Risks in Emerging Technology, Part B
Type: Book
ISBN: 978-1-80455-567-5

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The Emerald Handbook of Multi-Stakeholder Communication
Type: Book
ISBN: 978-1-80071-898-2

Book part
Publication date: 19 January 2005

Roger R. Stough and Rajendra Kulkarni

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Urban Dynamics and Growth: Advances in Urban Economics
Type: Book
ISBN: 978-0-44451-481-3

Book part
Publication date: 29 May 2023

Sagar Suresh Gupta and Jayant Mahajan

Introduction: Lending is an age-old concept, and Peer-to-Peer (P2P) lending is not new. The reduction in the issuing of loans by banks has made people switch from traditional to…

Abstract

Introduction: Lending is an age-old concept, and Peer-to-Peer (P2P) lending is not new. The reduction in the issuing of loans by banks has made people switch from traditional to online mode. The introduction of the online P2P lending industry is in its nascent stage of growth. As this industry is relatively new, understanding user experience, sentiments, and emotions would be helpful for the industry to innovate as per customer requirements.

Purpose: To explore the patterns in the sentiments expressed by users of ‘Cashkumar’ based on Google reviews.

Methodology: Sentiments have been analysed using user experience in risk, cost, ease of use, and loan processing time. Python application was used for sentiment analysis of Google reviews.

Findings: The sentiment analysis results showed that the average sentiment score was 0.7144, which indicates that the user sentiment towards ‘Cashkumar’ is positive. The reviews reflect that the users, especially borrowers were satisfied with the platform’s services and happy with loan processing time. The other factors – ease of use, cost, and risk – were not given much importance by users. Both lenders and borrowers faced a few issues, but the results of the lender’s sentiment analysis could not be generalised due to a smaller number of posted reviews.

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Smart Analytics, Artificial Intelligence and Sustainable Performance Management in a Global Digitalised Economy
Type: Book
ISBN: 978-1-83753-416-6

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Book part
Publication date: 10 November 2020

Neha Chhabra Roy and Viswanathan Thangaraj

This study gauges the profitability and performance of Indian commercial banks under the technology advancements. In this study, the authors identified three domains that give…

Abstract

This study gauges the profitability and performance of Indian commercial banks under the technology advancements. In this study, the authors identified three domains that give advantage to banks due to technology incorporation, that is, increased sales revenue, reduced operating expenses, and increased employee productivity. The authors assess the effect of these domains on banks’ profitability and performance. This study is conducted for the period between the years 2003 and 2018 across 34 public and private banks for empirical analysis. The authors examined the impact of investment in technology on the profitability using panel data analysis and evaluated the long-term effect of technology investment using the vector error correction model. This study found that there is a mixed effect of technology spend on the profitability and performance of Indian banks, where private sector banks are more aggressive in technology investment as compared to the public sector banks. This study recommends an optimal technology-related strategy to gain improved productivity for the banking business, that is, planned technology reserves, customer awareness campaigns about technology-enabled products, and robust employee–customer motivation policy.

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Financial Issues in Emerging Economies: Special Issue Including Selected Papers from II International Conference on Economics and Finance, 2019, Bengaluru, India
Type: Book
ISBN: 978-1-83867-960-6

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Book part
Publication date: 17 February 2023

N. D. N. B. Rathnayake

The rapid growth of digitalization is being used for the betterment of the banking and financial services sector and many other industries. Digital banking (DB) is transforming…

Abstract

The rapid growth of digitalization is being used for the betterment of the banking and financial services sector and many other industries. Digital banking (DB) is transforming traditional banking activities into a digital environment. The benefits and conveniences that DB bring to consumers and financial institutions (FIs) have led FIs to adopt various DB innovations. However, to determine whether the demand for DB is at a healthy level, it is necessary to evaluate how DB innovations are accepted among consumers. This chapter is a “viewpoint” of the author that reviews the background of DB in Sri Lanka (SL) and evaluates the success of its diffusion.

The status of the DB diffusion in SL is discussed under DB ecosystem, and DB customer adoption. The DB ecosystem is discussed through the topics of the country’s digital infrastructure (DI), technological know-how within the banks, technology adoption of the market vendors, and consumer’s digital literacy. Then, the consumer use of the DB services is evaluated using the transactions that happened through DB systems against paper-based payments. Statistics presented by Central Bank of Sri Lanka (CBSL) are used as secondary data for the study.

According to the findings of this report, consumer DB adaption is still in its infancy compared to the development of the country’s DB ecosystem. Considering the causes that drives consumer innovation decisions, this chapter highlights the need for industry practitioners to revisit their DB marketing strategies based on consumers’ culture and innovativeness. To that end, further studies are necessary on how individuals’ culture influences DB adoption.

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Transformation for Sustainable Business and Management Practices: Exploring the Spectrum of Industry 5.0
Type: Book
ISBN: 978-1-80262-278-2

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