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E-Delivery Channel-Based Banking Services: An Empirical Study
-- R K Uppal and Rosy Chawla
This study highlights customer perceptions regarding e-banking services.
A survey of 1,200 respondents was conducted in October 2008 in Ludhiana district, Punjab.
The respondents were equally divided among three bank groups namely, public sector, private sector
and foreign banks. The present study investigates the perceptions of the bank customers
regarding necessity of e-banking services, quality of e-banking services, bank frauds, future of
e-banking, preference of bank customers regarding banks, comparative study of banking services
in various bank groups, preferences regarding use of e-channels and problems faced by
e-bank customers. The major finding of this study is that customers of all bank groups are interested
in e-banking services, but at the same time are facing problems like, inadequate knowledge,
poor network, lack of infrastructure, unsuitable location, misuse of ATM cards and difficulty to open
an account. Keeping in mind these problems faced by bank customers, this paper frames some
strategies like customer education, seminars/meetings, proper network and infrastructure facilities,
online shopping facilities, proper working and installation of ATM machines, etc., to enhance
e-banking services.
© 2009 IUP. All Rights Reserved.
Teaching Concepts of Probability: A Case Study Methodology for B-Schools
-- Rajkumar Pillay D and Anurag Dugar
In management programs, quantitative methods are taught as a core course leading to a Master
of Business Administration (MBA) or an equivalent degree in various universities. This course covers
the probability theory and distributions. Teaching the concept of probability to management students
is a significant challenge as students come from different graduation streams and do not have
any uniform level of understanding of mathematical concepts and complexity of content. In this
paper, the authors have used the case study methodology to make students understand the
complexity of the probability theory and distribution.
© 2009 IUP. All Rights Reserved.
Use of Computer-Based Applications: A Study at Different Levels of Management
-- Khushdeep Dharni, Ravi Kiran and R K Sharma
This paper aims to explore Computer-Based Information Systems' (CBIS) use in manufacturing
firms at different levels of management. For this purpose, the data was collected from 26
manufacturing organizations in Punjab. The results indicate that there is a difference in use of CBIS among
managers at different levels of management as, middle-level managers are the heaviest users with an
average weekly use of 33 h. Lower and top-level mangers were using CBIS for 31 h and 26 h per
week, respectively. The results suggest that CBIS users in the manufacturing industry relied more on
word processors, spreadsheets and the Internet for carrying out their jobs as compared to using
database applications. CBIS is mainly used for automating the routine tasks and for supporting decision
making. There is a significant difference in satisfaction level of users across different levels.
© 2009 IUP. All Rights Reserved.
Analyzing Investors' Attitude Towards Mutual Funds as an Investment Option
-- B B S Parihar, Rajeev Sharma and Deepika Singh Parihar
Mutual funds are financial intermediaries concerned with mobilizing savings of those who have
surplus and the canalization of these savings in those avenues where there is a demand for funds.
These intermediaries employ their resources in such a manner as to provide combined benefits of low
risk, steady return, high liquidity and capital appreciation through diversification and expert
management. In recent times, the mutual fund industry has emerged as the most dynamic segment in the
Indian financial system. Reforms in the Indian economic system and the opening up of the economy
have been the reasons for the tremendous growth in the Indian capital market. This study analyzes
the impact of different demographic variables on the attitude of investors towards mutual funds.
Apart from this, it also focuses on the benefits delivered by mutual funds to investors. To this end,
200 respondents of Agra region, having different demographic profiles were surveyed. The study
reveals that the majority of investors have still not formed any attitude towards mutual fund
investments. The main reason behind this has been observed to be the lack of awareness of investors about
the concept and working of the mutual funds. Moreover, in India, mutual funds are back in fashion.
By the end of August 2006, the assets under management of mutual funds surpassed the figure of
Rs. 300,000 cr. It indicates that there is a lot of scope for the growth of mutual fund companies in
India, provided there are funds to satisfy everybody's needs and sharp improvements in service
standards and disclosure.
© 2009 IUP. All Rights Reserved.
Study on 360 Degree Performance Appraisal Systems in Reliance
Life Insurance, Udumalpet
-- C Vijaya Banu and P Umamaheswari
It is vital for any organization to focus on its key resource—human resource—to increase
productivity. The performance appraisal system not only evaluates the
employees' efficiency, but also expectations and satisfaction regarding the various aspects of their job. As per 360° performance
appraisal, questionnaires were used to obtain feedback from the
employees themselves, their superiors, peers and customers. The capabilities and execution with regard to business acumen, customer focus,
values and ethics, vision and purpose, bias for action, commitment, teamwork, innovation, developing
people performance and decision making were considered.
© 2009 IUP. All Rights Reserved.
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