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Examining Factors Affecting Customers Adoption towards E-banking services: An Empirical Investigation in Manipur 影响客户采用电子银行服务的因素:曼尼普尔邦的实证调查
Pub Date : 2022-02-28 DOI: 10.52184/isbrmj.v6i02.118
Ahanthem Malemnganbi Chanu Ahanthem
"Purpose- E-banking has become a new norm in the banking sector. The main aim of the study is to examine factors affecting E-banking services adoption in Manipur. The proposed model for the study is developed based on Technology Accepted Model. Design/ Methodology/ Approach - A positivism philosophy using a cross-sectional research design employing a standardized questionnaire to examine the factors affecting E-banking adoption in Manipur. The Convenience sampling method is used for the study. The study received a total of 164 questionnaires. Out of which 145 completed questionnaires were collected. IBM- SPSS was used to analyze the data collected through a questionnaire. Factor analysis along with regression is used to test the hypotheses. A Reliability test is conducted to test the scale, and Principal Component Analysis is used to extract variance. Findings- The statistical analysis reveals that out of 25 factors, six factors have been extracted in which the Eigenvalue is more significant than 1.0. Perceived ease of use, Attitude, and Trust are found to be positively substantial towards adoption. Perceived security, Perceived Usefulness, Intention to use failed to influence the adoption of E-banking services in Manipur. Research Implication- There can be variations in results depending on the sample size. The analytical results may limit the generalization as per the researcher's knowledge. So, in-depth studies in similar focus areas add more favorable factors that the present study failed to bring out. Originality/ Value- This study draws the attention of Customers towards the adoption of e-banking services. It examines the factors influencing the customers' adoption of E-banking in Manipur.
“目的-电子银行已成为银行业的新规范。本研究的主要目的是研究影响曼尼普尔邦电子银行服务采用的因素。本文提出的模型是基于技术可接受模型建立的。设计/方法/方法-采用横向研究设计的实证主义哲学,采用标准化问卷调查来检查影响曼尼普尔采用电子银行的因素。本研究采用方便抽样方法。该研究共收到164份问卷。共收集问卷145份。采用IBM- SPSS软件对通过问卷调查收集的数据进行分析。因子分析和回归分析用于检验假设。采用信度检验对量表进行检验,采用主成分分析提取方差。结果:统计分析结果显示,在25个因子中,提取出特征值大于1.0的因子有6个。可感知的易用性、态度和信任对采用有积极的影响。感知安全性,感知有用性,使用意图未能影响曼尼普尔邦电子银行服务的采用。研究含义-根据样本量的不同,结果可能会有所不同。根据研究人员的知识,分析结果可能会限制概括。因此,在类似重点领域的深入研究,增加了更多本研究未能揭示的有利因素。独创性/价值-这项研究吸引客户对采用电子银行服务的关注。它考察了影响曼尼普尔客户采用电子银行的因素。
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引用次数: 1
Causality Exploration of Paradigm shift in people preferences to OTT Platforms during pandemic: A Mixed Study 大流行期间人们对OTT平台偏好范式转变的因果关系探索:一项混合研究
Pub Date : 2022-02-28 DOI: 10.52184/isbrmj.v6i02.117
Monirul Islam
The COVID-19 pandemic continues to distress the Indian economy across verticals and sectors, including the entertainment industry. These sectors have been witnessing massive disruptions over the past few months across the consumer value chain. Due to the increase in complexities in living standards, individuals are exploring alternatives for entertainment. Less available time for family, more workload during weekends, less vacation is some of the factors people are staying away from vising cinema halls. We have also observed radical changes in consumers’ behavior, perception, preferences during and after the lockdown as they have continued to study and work from home The study focuses on the changing consumer preference to OTT over traditional mediums of media viewing such as cinemas and multiplexes. While a silent trend over the last 3 years, it has been accelerated due to the ongoing pandemic. OTT or Over the Top refers to mediums offering television and media consumption over the internet. While the shift is visible, this project aims to enlist the reasons for this change and the factors that drive it. In this context, the author is making an attempt to explore the root cause of the Paradigm shift of people's preferences to OTT Platforms versus Multiplexes during pandemics. Primary and Secondary data are the main sources of collection of data. The secondary data is collated and compiled from both published and unpublished resources.
2019冠状病毒病大流行继续困扰着印度经济的各个垂直行业和部门,包括娱乐业。过去几个月,这些行业在整个消费价值链上都经历了大规模的中断。由于生活水平的提高,人们正在寻找其他娱乐方式。陪伴家人的时间越来越少,周末的工作量越来越大,假期越来越少,这些都是人们不再去电影院的原因。我们还观察到,由于消费者继续在家学习和工作,在封锁期间和之后,消费者的行为、观念和偏好发生了根本性变化。研究重点是消费者对OTT的偏好,而不是电影院和多厅影院等传统媒体观看方式。虽然在过去三年中是一种无声的趋势,但由于目前的大流行,这一趋势已经加速。OTT或Over the Top指的是通过互联网提供电视和媒体消费的媒体。虽然这种转变是可见的,但这个项目的目的是找出这种变化的原因和驱动它的因素。在此背景下,作者试图探讨在大流行期间人们对OTT平台和多厅影院的偏好发生范式转变的根本原因。一手数据和二级数据是收集数据的主要来源。辅助数据是从已发表和未发表的资源中整理和编译的。
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引用次数: 0
Bringing Positive Changes in Society – A case study 为社会带来积极的改变-个案研究
Pub Date : 2022-02-28 DOI: 10.52184/isbrmj.v6i02.120
Dr Sheetal Mahendher
In March 2021, the entire focus of the country was on the pandemic and the rapidly declining human development index. The pandemic changed the professional, personal and social life of every individual. Due to the lockdown, there came a distance amongst individuals. Yet there were many NGO’s, working for the betterment and upliftment of the society. The case study discusses the contribution of one such non-profit organization, “Sharvari Foundation”, who worked in difficult and uncertain times for betterment in the society.
2021年3月,该国的全部重点是疫情和人类发展指数的迅速下降。疫情改变了每个人的职业、个人和社会生活。由于封锁,人与人之间产生了距离。然而,也有许多非政府组织在为社会的改善和提升而努力。案例研究讨论了一个这样的非营利组织,“Sharvari基金会”的贡献,他们在困难和不确定的时期为改善社会而工作。
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引用次数: 0
Ethical issues In Business Management 商业管理中的道德问题
Pub Date : 2022-02-28 DOI: 10.52184/isbrmj.v6i02.116
S. Jha
Ethical issues is a problem (issues) or a situation which requires a business organization or a person to select the choices that have to be examined as a ethical (right) or unethical (wrong) ways. The ethical issues needed full of ideas, reflection, understanding, logical thinking thoughts, and a great planning to be resolved in unfolded solutions. The utmost basic and necessary ethical issues in business management are confronting of integrity (honesty) and trust. The fundamental concept of honesty includes the understanding of managing and regulating and run the business affairs with righteousness, promises, and commitments to handle each stakeholders fairly and reasonably. The ethical issues in business management have often been synchronized and coincided. Also the kinds and measures have been replaced in the current global business scenario. Moreover, the digitalization and globalization of business management has changed the ethical issues and also stressed as an indication and confirmation by the broadening of the issues and grievances. In the changing global business scenario, now-a-days business management becomes more complicated, at the same time, a numerous of ethical issues have emerged concurrently. Hence, an extensive considerate of ethical issues and precognitive of alleviate alternatives is needed, so accordingly for these analyses, consequences have been attempted. Earlier, the perception of the ethical issues in business management had linked to the administrative rules and regulations in the business organizations. But currently ethical issues are inconsistent in nature, for instance, employee’s rights issues and professional ethics. Today’s business environment, the ethical issues like honesty, fairness, and justice are the important and main issues that are constituting a complicated dilemma and impasse to the business management. Some of the ethical issues in business management are diversity issues; decision-making issues; compliance and grievance issues; health and safety issues; social networking ethics; harassment and discrimination in the work place; social media rants; ethics in accounting practices; whistleblowing; non-disclosure and corporate espionage; toxic work place culture; technology and privacy practices; questionable use of company technology; unethical leadership; and conflicting goals, etc. The objective of this research paper is to study the various aspects of ethical issues in business management and provide a way of resolving them.
伦理问题是一个问题(议题)或一种情况,它要求一个商业组织或一个人选择必须作为道德(正确)或不道德(错误)的方式进行审查的选择。伦理问题需要充分的思考、反思、理解、逻辑思维和宏大的规划,才能在展开的解决方案中得到解决。诚信与信任是企业管理中最基本、最必要的伦理问题。诚信的基本概念包括对管理和规范的理解,以正义,承诺和承诺公平合理地处理每个利益相关者。企业管理中的伦理问题往往是同步的和重合的。此外,在当前的全球业务场景中,种类和措施已被取代。此外,企业管理的数字化和全球化改变了伦理问题,并强调了问题和不满的扩大,这是一种迹象和证实。在不断变化的全球商业环境中,当今的企业管理变得更加复杂,同时也出现了许多道德问题。因此,需要对伦理问题进行广泛的考虑,并预先认识缓解备选方案,因此,对于这些分析,已经尝试了后果。以前,对企业管理中的道德问题的认识与企业组织的行政规章制度有关。但目前的伦理问题本质上是不一致的,比如员工权利问题和职业道德问题。在当今的商业环境中,诚信、公平、正义等伦理问题是构成企业管理复杂困境和僵局的重要和主要问题。企业管理中的一些伦理问题是多样性问题;决策问题;合规和申诉问题;健康和安全问题;社交网络伦理;工作场所的骚扰和歧视;社交媒体上的咆哮;会计职业道德;检举;保密和商业间谍活动;有毒的工作场所文化;技术和隐私实践;对公司技术的可疑使用;不道德的领导力;以及相互冲突的目标等等。本研究论文的目的是研究企业管理中道德问题的各个方面,并提供解决这些问题的方法。
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引用次数: 0
Conversational AI: Indispensable way to attract and retain customers 对话式人工智能:吸引和留住客户的不可或缺的方式
Pub Date : 2022-02-28 DOI: 10.52184/isbrmj.v6i02.112
Nikitha N R
Conversational AI is a technology that allows artificial intelligence (AI) systems such as Chatbots to engage with people in a human like manner. It enables communication between humans and computers easy and natural by bridging the gap between human and computer language. Recent industry reports indicate that more than 80% of all businesses are considering integrating chatbots within the next five years. Many service providers are already using chatbots, but most applications have focused on cost saving and automation to partially replace human service encounters. However, little is known about the mechanisms and the process of value co-creation enabled by AI. While scholars agree that AI technology significantly changes human activities and human resources, currently we do not have an adequate understanding of how humans and AI technology interact in value co-creation. Thus, the study was conducted to understand the interface between AI and customers, and to analyze the various factors which play pivotal role in better customer satisfaction. Therefore to do this, we used exploratory factor analysis by taking in 11 variables which could possible made an impact on the customers. We devised a structured questionnaire from those 11 variables and responses were taken in 5 point scales. Out of the responses we were able to analyse underlying constructs and analyse the factors which contributes to this cause.
会话人工智能是一种允许人工智能(AI)系统(如聊天机器人)以类似人类的方式与人交流的技术。它通过弥合人与计算机语言之间的差距,使人与计算机之间的交流变得简单和自然。最近的行业报告显示,超过80%的企业正在考虑在未来五年内整合聊天机器人。许多服务提供商已经在使用聊天机器人,但大多数应用都侧重于节省成本和自动化,以部分取代人工服务。然而,人们对人工智能实现价值共同创造的机制和过程知之甚少。虽然学者们一致认为人工智能技术显著改变了人类活动和人力资源,但目前我们对人类和人工智能技术如何在价值共同创造中相互作用还没有足够的了解。因此,本研究旨在了解人工智能与客户之间的界面,并分析在提高客户满意度方面发挥关键作用的各种因素。因此,为了做到这一点,我们采用探索性因素分析,采取了11个变量,可能会对客户产生影响。我们根据这11个变量设计了一份结构化的问卷,并采用5分制进行回答。从这些反应中,我们能够分析潜在的结构,并分析导致这一原因的因素。
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引用次数: 0
Importance of Communication in Succession Planning – A Critical Analysis of an Australian City Council 沟通在继任计划中的重要性——对澳大利亚市议会的批判性分析
Pub Date : 2021-07-16 DOI: 10.52184/ISBRMJ.V6I01.104
Prashant Singh, Pushpa Kataria
Australia’s demographics are going through structural and cultural impediments, and massive changes are starting to occur in the following five years. The baby boomers’ generation is in the process of retiring. The major task which consumes most of the time was to extract knowledge from the baby boomers. Moreover, it involves identifying and evaluating knowledge from critical employees and will leave the establishment sooner. Succession planning mostly involves employees, which are about to depart the organization in the short term, and new skilled employees will engage in the function. Effective succession planning requires affirmative responses regarding the department’s organizational culture, functionality, goals and objectives, and relationship with the stakeholders and vision. To deliver high-quality succession planning, it is indispensable to deliver a robust Successor-Incumbent relationship, mutual reliance, open and sincere communication. Therefore, this paper emphasizes the strategic plan for succession planning and explains how critical it is to have clear, trustable, and authentic communication between the successor and the Incumbent.
澳大利亚的人口结构正在经历结构性和文化障碍,在接下来的五年里将开始发生巨大的变化。婴儿潮一代正在步入退休。耗费大部分时间的主要任务是从婴儿潮一代那里汲取知识。此外,它涉及识别和评估关键员工的知识,并将更快地离开公司。继任计划主要涉及员工,这些员工将在短期内离开组织,新的熟练员工将从事该职能。有效的继任计划需要对部门的组织文化、功能、目标和目的以及与利益相关者的关系和愿景做出积极回应。要实现高质量的继任规划,就必须建立牢固的继任者-在职者关系、相互信赖、开放和真诚的沟通。因此,本文强调了继任计划的战略规划,并解释了继任者与现任者之间清晰、可信、真实的沟通是多么重要。
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引用次数: 1
Construct Measurement and Validation of Organizational Citizenship Behavior in Educational Context: Demographic Differences 教育情境下组织公民行为的建构、测量与验证:人口统计学差异
Pub Date : 2021-07-16 DOI: 10.52184/ISBRMJ.V6I01.109
Deepika R Gupta
Though organizational citizenship behavior (OCB) is not enforceable by any organization, it is a voluntary behavior of employees which promotes the effective functioning of any organization. Organizational citizenship behavior is a multi-dimensional concept. Due to individual behavior and prevailing circumstances, OCB may vary from one organization to another organization or from one section to another section. In line with that, the present study explores the instrument for assessing organizational citizenship behavior in primary and high school teachers in Amritsar. The study has used a descriptive research design and a quantitative approach. The analysis of the data was made with the help of the exploratory and confirmatory factor analysis. The analysis of the data clearly revealed the understanding of different dimensions of organizational citizenship behavior in the context of school education.
虽然组织公民行为不是任何组织都能强制执行的,但它是一种促进组织有效运作的员工自愿行为。组织公民行为是一个多维度的概念。由于个人行为和当时的环境,组织公民行为可能在不同组织之间或不同部门之间有所不同。据此,本研究探讨了阿姆利则中小学教师组织公民行为的评估工具。本研究采用描述性研究设计和定量方法。采用探索性因子分析和验证性因子分析对数据进行分析。数据分析清晰地揭示了学校教育背景下对组织公民行为不同维度的理解。
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引用次数: 1
Recommender systems: Are users taking the recommendations seriously? 推荐系统:用户会认真对待推荐吗?
Pub Date : 2021-07-16 DOI: 10.52184/ISBRMJ.V6I01.108
D. R., Aishwarya Korishettar
In recent years, we have observed substantial choices provided to consumers due to the rise of e-commerce. The products and the product-related suggestions provided by the various recommender systems have been found to be noteworthy given the enormous data available and information overload. The customers are not worried about the complexity of these algorithms but want the automated process to recommend product-related items of their choices. The study is an attempt to understand whether customers make purchase decisions online using the suggestions recommended across various product lines. For the study, responses of the customers were collected using a structured questionnaire and results were analysed to examine if respondents of different demographic characteristics make purchase related decisions based on the suggestions by recommendation systems.
近年来,我们注意到,由于电子商务的兴起,消费者有了大量的选择。各种推荐系统提供的产品和与产品相关的建议值得注意,因为有大量的可用数据和信息过载。客户并不担心这些算法的复杂性,而是希望自动化过程能够推荐他们选择的与产品相关的商品。这项研究试图了解消费者是否会根据各种产品线的建议做出在线购买决定。在本研究中,使用结构化问卷收集客户的反馈,并分析结果,以检查不同人口统计特征的受访者是否根据推荐系统的建议做出购买相关决策。
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引用次数: 0
Validating the TAM model in Haryana state of India: During COVID-19 在印度哈里亚纳邦验证TAM模式:在COVID-19期间
Pub Date : 2021-07-16 DOI: 10.52184/ISBRMJ.V6I01.107
Komal Goyal, Ashutosh Nigam, Neha Goyal, Manisha Goyal
Purpose -Response to the sudden pandemic, COVID-19 drastic shift of work practices requires the implementation of an e-learning system, but their adoption requires a thorough understanding of the user acceptance process. Our key effort is to incorporate a framework, “internet experience” to determine the existing Technology Acceptance Model (TAM) applicability in describing students’ s e-learning decisions in Haryana state.Design/methodology- The researcher has administered a questionnaire based on TAM’s constructs and collected data from UG and PG students of Haryana state of India.Findings – The results revealed that perceived usefulness (PU) has a significant positive relationship with continuous usage intention (CUI) whilst, perceived ease of use (PEOU), computer self-efficacy (CSE) and internet experience (IE) have not. Attitude towards E-learning system (ATELS) has found no relevance in this model.Originality/value Majority research has been done using the TAM model in a developed nation. Empirical study has not been done in Haryana state so far.
为应对突如其来的COVID-19大流行,工作实践发生了巨大变化,需要实施电子学习系统,但采用电子学习系统需要彻底了解用户接受过程。我们的主要工作是纳入一个框架,“互联网体验”,以确定现有的技术接受模型(TAM)在描述哈里亚纳邦学生的电子学习决策中的适用性。设计/方法-研究人员根据TAM的结构进行了问卷调查,并从印度哈里亚纳邦的UG和PG学生中收集了数据。结果显示,感知有用性(PU)与持续使用意图(CUI)有显著正相关,而感知易用性(PEOU)、计算机自我效能感(CSE)和互联网体验(IE)则无显著正相关。对电子学习系统的态度(ATELS)在这个模型中没有发现相关性。原创性/价值多数研究已经在发达国家使用TAM模型完成。到目前为止,哈里亚纳邦还没有进行实证研究。
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引用次数: 0
Covid 19 Pandemic, Vaccination—Rural, Urban and Religious Perspectives Covid - 19大流行,疫苗接种-农村,城市和宗教观点
Pub Date : 2021-07-16 DOI: 10.52184/ISBRMJ.V6I01.106
Veena Shenoy, S. Mahendher, Shubham Hemani
The purpose of this paper is to understand the ideologies, intent, and reasoning which prompt the millennials to take or shun the vaccine. The study incubates Rural, Urban and Religious sentiments that affect the preferences of inoculation, modify our decision-making process toward mass immunizations, and contribute to vaccine waste in many areas. We hope to convey the fear of not getting the vaccine as well as the elements that encourage folks to immunize themselves for the greater good in this study. Rural approach to vaccine hesitancy is fuelled by rumors, myths—whilst driven by limited access to the outside world. Urban vaccine hesitancy is driven by the abundance of information—giving rise to conspiracy theorists. Religious reluctance to vaccination is driven by notional norms opposing cure by modern treatment.
本文的目的是了解促使千禧一代接种或不接种疫苗的意识形态、意图和原因。这项研究孕育了影响接种偏好的农村、城市和宗教情绪,改变了我们对大规模免疫接种的决策过程,并在许多地区造成了疫苗浪费。我们希望在这项研究中传达出人们对没有接种疫苗的恐惧,以及鼓励人们为了更大的利益而接种疫苗的因素。农村对疫苗犹豫的态度受到谣言和神话的推动,同时受到与外部世界接触有限的推动。城市对疫苗的犹豫是由大量的信息驱动的,从而产生了阴谋论者。宗教不愿接种疫苗是由反对用现代治疗方法治愈的观念规范所驱动的。
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引用次数: 0
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ISBR Management Journal
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