Asian Research Journal of Business Management

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Asian Research Journal of Business Management"

Transcription

1 Asian Research Journal of Business Management FACTORS INFLUENCING ONLINE TRADING ADOPTION: A STUDY ON INVESTORS ATTITUDE IN GREATER VISAKHAPATNAM CITY Dr. Krishna Mohan Vaddadi 1 & Merugu Pratima 2 * 1 Professor, DCMS, Andhra University, Visakhapatnam, Andhra Pradesh (India) 2 Assistant Professor, Srinivasa Institute of Management Studied (SIMS), Madhurawada, Visakhapatnam, Andhra Pradesh (India) Received: 19 October 2015; Revised: 3 November 2015; Accepted: 7 November 2015 Abstract: In a developing country like India, little is known and understood about the emergence of online trading even though this is now beginning to represent a major share in the stock market. Online/internet based share trading is a new service here, and so consumer acceptance and usage is still limited. The present research aims to provide a foundation of facts relating to behaviour of online investors by exploring the key determinants of investor s attitude and behaviour. A research framework was based on diffusion of innovation and decomposed theory of planned behaviour to identify factors that influence adoption process investors in online trading with reference to Visakhapatnam city. The research has the aim to develop a socio-demographic profile of online investors and examine its influence on online trading. Statistical techniques such as percentages and correlation have been used to uncover relationships among the variables. To study the dependency/independency of the factors, Chi-square test of independence of attributes was used to draw meaningful inferences. The key findings reveal factors like; age, gender, education and occupation influence investor s intention to adopt online trading. The findings also indicate that perceived usefulness, ease of use, compatibility, trust and reliability were influencing the investors attitude towards adoption process in online trading. Keywords: Stock Exchanges, Internet, Online Stock Trading, Attitude, Investor Behaviour, Investor Acceptance and Adoption. INTRODUCTION With the advancement in information and communication technology, the internet has become the driving force that influences the structure and strategies being employed by organizations around the world. The growing need for speed, convenience and transparency has made organizations to offer various online services such as online share trading in the stock markets. Online trading allows the investor to trade through an internet site where Banks and Demat Accounts are electronically integrated. Online trading improves the operations of stock market as transactions are carried out electronically and more efficiently, paving way for voluminous transactions per day. This new access by the trading public to low-cost transactions and cuttingedge real-time market information has opened up extraordinary new investment opportunities. 39

2 40 With the increase in online trading usage, the need to predict behavioural intentions of consumers has also increased. The study will provide clues and information on factors that influence and affect investor s intent to use online stock trading. REVIEW OF LITERATURE Sanjay GargJuly studied investor s preferences and satisfaction levels of on-line & off-line trading investors in Sriganganagar city. The findings of the study indicate that most of the investors perceive online trading to be unsafe and lacks transparency. [1] Kafeel Ahmed, examined the impact of online trading on the stock market. The study indicated that online trading has given customer benefits like real time access to account information, stock quotes, elaborated market research and interactive trading. [2] Murugan. V. G., studied the socio-economic profile of investors, their perceptions; and behaviour in respect to various investment avenues. The findings revealed that most of the investors generally have limited information about the developments in the securities market. [3] Puneet Bhushan & Yajulu Medury examined the ggender differences in investment behaviour among employeesthe. The study identified that women are more conservative and takes less risk and significant gender differences occur in investment preferences for health insurance, fixed deposits and market investments among employees. [4] V. Alagu Pandian, G. Thangadurai analysed the investors preference towards various investment avenues in Dehradun Districts. The study reported that most of the investors prefer bank deposits followed by gold investment. [5] Balaji C. examined investor s perceptions towards online trading. The study identified that Indian investors are more conservative, middle age, educated and have sufficient income base. [6] Rakesh H analysed the behaviour of individual investor in stock market, specifically their attitude and perception with respect to the stock market. The findings of the study indicated that annual income and annual saving are factors influencing investor s decision making. [7] RESEARCH GAP The success of Internet based securities trading depends on investors acceptance and adoption process. Though online trading was introduced more than a decade ago, it was not until recent, that online trading gained momentum, while some investors are early adopters, others are slow in technology adoption and tend to prefer, the traditional method of trading. The adoption of online trading depends on the attitude and behaviour of investors. Understanding investor s behaviour towards electronic financial services like online trading is a challenging subject in finance research especially in India where empirical studies on online investors behaviour are relatively less. The present research explores the key variables in investor decision making with regards to adoption of online trading and links them to the development of online trading

3 regulation in India. The purpose of this research is to study the decision making factors for the acceptance and adoption process in online trading by the investors. The paper also examines the socio-demographic profile of online investors, and identifies factors which influence online trading adoption process. NEED FOR THE STUDY While online trading in India began in 2001, its adoption rate has been lower than expected during the past decade. Obviously, online trading has experienced limited spread/use and suffered from relatively high levels of customer resistance in India. Understanding investor s behaviour towards electronic financial services like online trading is a challenging subject in finance research especially in India where empirical studies on online investors behaviour are relatively rare. In light of this, a comprehensive model describing the factors that drive customers to accept online trading would be useful for both academics and practitioners by helping them to better understand online investor behaviour in the emerging online transaction environment. In addition the result of the study could also serve as a guideline by online stock broking organizations in understanding the factors and program that need to be instilled to increase online stock trading adoption among potential investors. RESEARCH OBJECTIVES i. To study demographic profile of online investors in Visakhapatnam City ii. To analyse the impact of demographic factors on adoption process in online trading. iii. To examine the influence of trust and reliability as a determinate of investors attitude iv. To examine the influence of attitude on investors intention to adopt online trading. v. To suggest measures for expanding scope of online share trading. RESEARCH HYPOTHESIS Keeping in view the research objectives the following hypothesis is proposed. H1: Demographic factor like age, gender, education, occupation and intention to adopt Online trading is not independent H2: Perceived usefulness and attitude towards online trading are not independent H3: Perceived ease of use and attitude towards online trading are not independent. H4: Trust and attitude towards online trading are not independent H5: Compatibility and attitude towards online trading are not independent. H6: Social factors and intention to adopt online trading are not independent 41

4 RESEARCH METHODOLOGY For the purpose of the study of online investors a convenience sampling technique is used. A sample size of 500 online investors from five stock broking firms providing online trading services in Visakhapatnam city are covered in the study. The research is based on primary data. A questionnaire was developed for collecting primary data pertaining to online investors. PILOT STUDIES AND FINAL STUDY A pilot study was conducted where twenty investors participated to see where the questionnaire can be improved. Comments and suggestions received from the pilot test were incorporated into the final version of the questionnaire for the main study. In the main study, 500 useful responses received out of 600 questionnaires sent for the purpose, were used in the subsequent data analysis. SCOPE OF THE STUDY This study is concerned with an empirical investigation of predictors determining individuals attitude toward adoption of online Trading Service in Visakhapatnam city through applications of the conceptual model used in the present research. A Proposed Research Model: The research aims to develop new model based on Diffusion of Innovation and Decomposed Theory of Planned Behaviour (DTPB) by investigating the factors that encourage the investors to adopt Online Trading Service in Visakhapatnam city. Grounded in the Diffusion of Innovation theory and the Decomposed Version of Theory of Planned Behaviour, the research focuses on pre-adoption factors that influence adoption of online securities trading by investors. Some of the constructs or characteristics of beliefs based on Decomposed Theory of Planned Behaviour were modified. Figure -1 illustrates the proposed research model. It asserts that the intention to use online trading is a function of: attitude, social factors and demographic factors. The model further indicates that attitude mediates the Perceived usefulness, Perceived ease of use, compatibility and trust & reliability on intention to adopt online trading. The integration of Decomposed Theory of Planned Behaviour with other significant variables like demographical factors and trust for the present research framework provide a more comprehensive /holistic model to examine the acceptance and adoption of online trading in a developing country like India where the concept of online stock trading is still in its infancy stage. Table 1 outlines the constructs used in the model and Figure -1 illustrates the proposed model for adoption of online trading by investors. 42

5 Perceived Usefulness Demographic factors Perceived of use Trust and Reliability Ease ATTITUDE Intention to adopt online trading Compatibility Social Factors Fig. 1: A Proposed Model for Adoption of Online Trading by Investors Table 1: Construct Description Usage Behaviour A person s performance of a specific action/ an individual s decision to use an Internet Service(IS) Behavioural Intention (BI) A measure of the strength of intention to perform a specific action Attitude (A) Whether a person possesses positive or negative feelings toward the behaviour he or she performs Perceived Usefulness (PU) The degree to which a person believes that using a particular system would enhance his or her job performance or the person s subjective probability that using the IS will be of benefit in an organizational context. Perceived Ease Of Use The degree to which the person thinks that (PEOU) using the IS will be free of effort. Compatibility (C) The degree to which an innovation is perceived as being consistent with the existing values, needs and past experience of the potential adopters Trust & reliability (T&R) Investors trust the brokers/broking firms offering online trading services to behave ethically and in a socially acceptable manner Social factors (SF) Influence of significant referents like family, friends and peers /colleagues. Demographical factors Demographical factors like age. gender, education and occupation of the individual investor 43

6 RESULTS AND DISCUSSIONS Table-2 depicts the profile of the sample respondents in terms of socio-demographic characteristics like age, gender, education level, marital status, occupation and income. INFERENCES Age: As can be observed from Table -2, majority of the respondents constituting 32.4 per cent of the total sample belong to the age group of years, while 13 percent of the sample are aged years, this indicates that majority of the respondents constituting more than 45 percent of the sample are below 35 years of age. Table 2: Demographic Profile of the Respondents Particulars No of respondent Per cent AGE More than Total GENDER Male Female Total MARITAL STATUS Married Unmarried Total EDUCATION SSC/Matrix / Intermediate Degree P.G Diploma Others Total OCCUPATION Employee in Government Service Employee In Private Service Business/Self-Employed Professionals Retired Total

7 Gender: With respect to gender distribution of respondents, it is observed that, majority of the respondents constituting 87.6 per cent of the sample were males while the remaining 12.4 per cent of the respondents were females. Marital Status: It can be observed from Table -2, that majority of the respondents are married representing 76.4 percent of the sample, while unmarried respondents constitute around 23.6 per cent of the sample. Education: Table -2 depicts the respondent s level of education. Majority of the respondents representing 32.4.per cent of the sample hold a bachelor s degree, while 29.6 per cent of respondents have a master s degree. Occupation: The occupation is also another determinant of investor s preferences and objectives. Majority of the respondents constituting 33 per cent of the sample are employees working in private companies followed by 24.4 per cent of the respondents are employees in government service. Demographic Variables and Intention to Adopt Online Trading: In order to examine the influence of demographic factors like age, gender, education and occupation on the individual s intention to adopt online trading the following hypothesis is proposed. H1: Demographic factor like age, gender, education, occupation and intention to adopt online trading are not independent H0: Demographic factor like age, gender, education, occupation and intention to adopt online trading are independent For better understanding each of the demographic factors like age, gender, education and occupation were examined individually as shown below from Table -3 to 6. AGE: Age of the investor plays an important role in the acceptance and adoption of new innovation like online trading. In order to examine the influence of age on the adoption of online trading by investors, the following hypothesis is proposed. Table 3: Chi-Square Tests- Age and Intention to Adopt Online Trading Value Pearson Chi-Square (a).000 Likelihood Ratio Linear-by-Linear Association N of Valid Cases Asymp. Sig. (2-sided) Since the Calculated value of Chi-square is significant at 5 % level of significance with significance probability.000, the H0 is rejected, hence it can be concluded that age influences the intention to adopt online trading. 45

8 Gender: An adoption pattern across gender is worth making a note in a developing country like India where the concept of online investing is slowly gaining momentum In order to examine the influence of gender, the following hypothesis is proposed:. Table 4: Chi-Square Tests- Gender and Intention to Adopt Online Trading Value Pearson Chi-Square (a).006 Likelihood Ratio Linear-by-Linear Association N of Valid Cases 500 Asymp. Sig. (2-sided) The Calculated value of Chi-square is significant at 5 % level of significance, with significant probability.000. The H0 is rejected, hence it can be concluded that gender influences the intention to adopt online trading Education: The level of education also plays an important role in the acceptance and adoption of new innovation like online trading, in order to examine the influence of level of education on the adoption of online trading by investors, the following hypothesis is proposed Table 5: Chi-Square Tests- Education and Intention to Adopt Online Trading Value Pearson Chi-Square (a).000 Likelihood Ratio Linear-by-Linear Association N of Valid Cases 500 Asymp. Sig. (2-sided) Since the Calculated value of Chi-square is significant at 5 % level of significance with significant probability.000. The H0 is rejected, hence it can be concluded that level of education influences the intention to adopt online trading Occupation: In order to examine the influence of occupation status of the sample respondents on the decision to adopt online trading, the following hypothesis is proposed. Table 6: Chi-Square Tests- Occupation and Intention to Adopt Online Trading Value Asymp. Sig. (2-sided) Pearson Chi-Square (a).000 Likelihood Ratio Linear-by-Linear Association N of Valid Cases

9 Since the Calculated value of Chi-square is significant at 5 % level of significance with significant probability.000. The H0 is rejected, hence it can be concluded that occupation of the online investor influences the adoption of online trading. Based on the research model, five factors Perceived Usefulness (PU), Perceived Ease of Use (PEU) compatibility (C) and Trust & Reliability (T&R) were selected as determinants of investors attitude toward adoption of online Trading Service. In order to examine the influence of the selected variables on the attitude of investors, Chi square test were conducted and the results of the analysis are presented in Tables -7 to 13 Perceived Usefulness: For the present study the significance of the perceived usefulness relies on the fact that it is one of the factors that influence the investors attitudes towards acceptance/ adaptation the new technology like online trading. Table -7 shows the correlation between perceived usefulness and attitude towards online trading. H 2: Perceived usefulness and attitude towards online trading are not independent H 0: Perceived usefulness and attitude towards online trading are independent. Table 7: Chi Square Values- Perceived Usefulness and Attitude towards Online Trading Perceived Pearson Asymp. Sig. (2- df Usefulness(variable) Chi-Square sided) PU (a) PU (a) PU (a) PU (a) From the Table-7, as can be noticed that provision of Educational and guidance material for online investors (.001) transparency (.000) online trading saves time and effort (.000) and userfriendly interface (.000) all have significant chi square values. Hence it can be concluded that there is association between attitude and perceived usefulness. Perceived Ease of Use: Perceived ease of use is considered as an important factor influencing adoption of online trading. Chi square test were conducted to examine the influence of perceived ease of use on the attitude of investors, and the results of the analysis are presented in Table-8 Table 8: Chi Square Values- Perceived- Ease of Use and Attitude towards Online Trading Perceived Ease of use (Variables) Pearson Chi-Square df Asymp. Sig. (2-sided) PEU (a) PEU (a) PEU (a) PEU (a)

10 H3: Perceived ease of use and attitude towards online trading are not independent. H0: Perceived ease of use and attitude towards online trading are independent The resulted chi square values indicate that specification and customization of securities and in terms of volume (.000) Personal interaction with online trading services is clear and understandable (.000) accomplishment of trading tasks with ease and comfort (.000) and Learning to operate online trading website is easy (.000) have significant chi square values. Hence the findings indicate that there is association between attitude and perceived ease of use. Trust and Reliability: trust is also a direct influencer that determines people's attitudes toward online trading, the significance of trust as a determinant of investor s attitude towards adoption of online trading was analysed and the results of the analysis are presented in Table-9. H4: Trust and attitude towards online trading are not independent H0: Trust and attitude towards online trading are independent Table 9: Chi Square Values- Trust & Reliability and Attitude towards Online Trading Trust and Reliability (Variables) Pearson Chi-Square df Asymp. Sig. (2-sided) TR (a) TR (a) TR (a) TR (a) The resulted chi- square values indicate that Online Trading Services providers are reliable and trustworthy (0.000) protection of online investors privacy (0.000 ) assists investors in solving online problem occurred during trading (0.000) and maintenance of investors transactions confidential (0.000) all have significant chi square values. Hence it is safe to conclude that trust is an important factor that affects investors attitude towards online trading. Compatibility: It is expected that the more online stock trading matches with the values and beliefs of the investors, the more widely it will be accepted. To examine the influence of compatibility on the attitude of investors, chi - square tests were conducted and the results of the analysis are presented as follows. Therefore the following hypothesis is proposed. Table 10: Chi Square Values- Compatibility and Attitude towards Online Trading Compatibility (Variables) Pearson Chi-Square df Asymp. Sig. (2-sided) C (a) C (a) C (a) C (a)

11 H5: Compatibility and attitude towards online trading are not independent. H0: Compatibility and attitude towards online trading are independent. It can be observed from Table 5.10, that past knowledge of the stock market (.000) Online trading system is more beneficial than phone based trading (.000), compatibility of online trading with investors life styles (.000) and work style (.000) all have significant chi square values. Social Factors: Individuals are affected by the referent groups that they identify with. Friends and family members are found to influence the adoption of IT applications. Therefore an attempt is made to examine the influence friends, colleagues and family on individual s decision to use the online stock trading in Visakhapatnam, Hence, the proposed hypotheses is: H6: Social factors and intention to adopt online trading are not independent H0: Social factors and intention to adopt online trading are independent To understand the feasibility of social factors on adoption of on-line trading, three statements depicting the influence of social factors were presented before the investors who were asked to rate it using a three point likert scale ranging from agree to disagree. The resulted chi square values are presented as follows Table 11: Chi Square Values- Social Factors and Intention to Adopt Online Trading Social factors (Variables) Pearson Chi-Square Value Asymp. Sig. (2-sided) SF SF SF The variables, influence of social factors like friends and family on the decision to adopt online trading (.000) influence of peer and colleagues on the decision to adopt online trading (.065) and advice to use online trading service (.000) have significance value less than.05. Since the calculated values are below the significant value.05, it is safe to conclude that social factors influence adoption of online trading. Therefore the H6 is accepted and H0 rejected. Attitude and Intention to Adopt Online Trading: In order to examine the influence of attitude on the intention to adopt online trading service, the following hypothesis is proposed. Correlation analysis was conducted and the results of the analysis are presented in Table

12 Table 12: Chi Square Values- Attitude And Intention to Adopt Online Trading Attitude (Variables) Pearson Chi-Square df Asymp. Sig. (2-sided) ATT (a) ATT (a) ATT (a) ATT (a) Table 13: Summery Of Hypotheses Variables Demographic factors influence attitude towards adoption of online trading. Influence significant Yes Hypothesis Rejected /Accepted Accepted Attitude influence adoption of online trading. Yes Accepted Social factors influence attitude towards adoption of online trading. Yes Accepted With regards to attitude dimensions, perceived usefulness, perceived ease of use compatibility and trust & reliability were crucial determinants to the ultimate adoption of online stock trading. Results of this study clearly indicated that attitude dimensions, social factors and demographic variables like age, gender, education and occupation contributed significantly in influencing intention to adopt online stock trading. MAJOR FINDINGS OF THE STUDY 1. The findings indicate that adopters of online trading service are males, constituting 87.6 per cent of the total sample, whereas female constitute 12.4 per cent of the total sample. The results conclude that users of online trading are mostly males. Indicating that online stock is dominated by male investors. 2. The findings indicate that around 45 per cent of the respondents are below 35 years, which is a relatively high proportion of users between the age group of years. 3. The educational qualification of the respondents is very important in determining the respondent s interest in the stock market and management of investment online. The findings indicate that majority of online investors around 63 per cent of the sample are educated above graduation (Degree or P.G ) The findings establish that individuals engaged in online investing are highly educated holding a master degree. 50

13 4. Majority of the respondents representing around 58 per cent of the sample are salaried employees, while 18.2 per cent of the respondents belong to the category of businessmen /self-employed. The findings conclude that adopters of online trading in Visakhapatnam city are mostly salaried employees. 5. The findings of the study confirm that demographic factors such as gender, age education, occupation and influence individual s ability to own and use a technology like online trading. 6. Perceived usefulness was found to have a significant influence on investors attitude toward adoption and usage of online trading Service. Usefulness of online trading services in terms of information quality e.g. accuracy, updates, relevance, decision support, accessibility financial transitions over the Internet anytime and anywhere are considered components of the benefit dimensions. 7. Perceived ease of use was also found to have significant effect on attitude toward using of online Trading Service. These findings indicate that respondents who perceived the online trading as easy to use, have no difficulty accessing it from home or work were more likely to adopt the online trading. Hence, the perception of ease of use is a significant factor influencing attitude towards online trading adoption. 8. The finding shows that compatibility is another success factor that has significant effect on attitude toward using of online Trading Service This mean that the investors online Trading Service as new service as compatible with their existing values and their need, life style and work style. Therefore, a perception of compatibility of online trading is an influential factor in the adoption and usage of online trading 9. The findings indicate that adoption of online stock trading is influenced by social factors. In other words, opinions of friends, parents or colleagues are considered an important factor when deciding whether to adopt internet trading service. SUGGESTIONS Based on the research findings the following suggestions are proposed. 1. From the study it is found that among online investors women are comparatively fewer and hence steps must be taken to encourage more participation from female investors. 2. It is recommends that online investors analysis the investment options carefully using the Fundamental and technical analysis before making an investment decision. 3. It is suggested that awareness about IPO s s, debentures and commodities must be created among potential investors in view of its importance. 4. SEBI along with stock trading firms must undertake adequate measures to create awareness among general public about the benefits of online trading. 51

14 CONCLUSION The advent of online share trading offers investors and stock broking firms a new frontier of opportunities and challenges. An understanding of the demographic characteristics, trading habits and preferences of online investors will allow online stock broking firms to create solutions and marketing plans to attract new clients / investors to their services, thus enabling online stock broking firms to gain a greater share in the stock market. In a developing country like India, little is known and understood about the emergence of online trading even though this is now beginning to represent an important share of the stock market its potential is yet to be tapped. ANNEXURE-I Construct No of questions Description Perceived Usefulness Perceived of use Trust Reliability Compatibility Ease and PU -1 1 Online trading websites provide educational and guidance material PU -2 2 User friendly interface PU -3 3 All the transactions can be viewed through website and is transparent. PU -4 4 saves time and effort PEU -1 PEU -2 PEU -3 PEU-4 TR 1 1 customize the securities and volume is possible 2 online trading services is clear and understandable 3 Online trading website is easy and flexible to interact with. easy to accomplish trading tasks using online trading services 1 Internet Trading Service are reliable and trustworthy TR 2 2 Protection of investors privacy. TR 3 3 Assist investors to solve the online problems TR 4 C 1 C 2 4 Maintains your buy and sell order confidential 1 past knowledge in stock market will help to use online trading system effectively 2 Online trading is the same as call and trade system C 3 3 Online trading suits my life style. C 4 4 Online trading fits well with my work style 52

15 Social factors SF My decision to do online trading is influenced by my friends and family SF My colleagues /peers influence my decision to adopt online trading SF People who are important to me advise online trading. Attitude ATT-1 1 Using online Trading Service is a good idea Intention to trade ATT-2 2 I like using online Trading Service for stock trading ATT-3 3 Online trading Service services fits well with the way I like to manage my investment ATT-4 INT INT 4 Online trading Service enhances my efficiency 1 I intend to buy and sell my stocks through internet in future. 2 I think I will continue to use online trading services REFERENCES 1. S. Garg, Journal on Banking Financial Service and Insurance Research, 2011, 1(4). 2. K. Ahmed, Excel International Journal of Multidisciplinary Management Studies, 2012, 2(11). 3. V. G. Murugan, International Journal of Research in Commerce and Management, 2012, 3(3), P. Bhushan and Y. Medury, Asian Journal of Research in Business Economics and Management, 2013, 3(12), V. Alagu Pandian and G. Thangadurai, International Journal of Management and Social Sciences Research (IJMSSR) ISSN: , 2013, 2(4), C. Balaji, International Journal of Research in Commerce, IT & Management, 2014, 4(12). 7. H. M. Rakesh, International Journal in Management and Social Science, 2014, 2(2). Corresponding Author: Merugu Pratima, Assistant Professor, Srinivasa Institute of Management Studied (SIMS), Madhurawada, Visakhapatnam, Andhra Pradesh (India) 53

CHAPTER 5: CONSUMERS ATTITUDE TOWARDS ONLINE MARKETING OF INDIAN RAILWAYS

CHAPTER 5: CONSUMERS ATTITUDE TOWARDS ONLINE MARKETING OF INDIAN RAILWAYS CHAPTER 5: CONSUMERS ATTITUDE TOWARDS ONLINE MARKETING OF INDIAN RAILWAYS 5.1 Introduction This chapter presents the findings of research objectives dealing, with consumers attitude towards online marketing

More information

CHAPTER 5 COMPARISON OF DIFFERENT TYPE OF ONLINE ADVERTSIEMENTS. Table: 8 Perceived Usefulness of Different Advertisement Types

CHAPTER 5 COMPARISON OF DIFFERENT TYPE OF ONLINE ADVERTSIEMENTS. Table: 8 Perceived Usefulness of Different Advertisement Types CHAPTER 5 COMPARISON OF DIFFERENT TYPE OF ONLINE ADVERTSIEMENTS 5.1 Descriptive Analysis- Part 3 of Questionnaire Table 8 shows the descriptive statistics of Perceived Usefulness of Banner Ads. The results

More information

Volume 2, Issue 3, March 2014 International Journal of Advance Research in Computer Science and Management Studies

Volume 2, Issue 3, March 2014 International Journal of Advance Research in Computer Science and Management Studies Volume, Issue 3, March 014 International Journal of Advance Research in Computer Science and Management Studies Research Article / Paper / Case Study Available online at: www.ijarcsms.com Mutual Funds

More information

Profiles and Data Analysis. 5.1 Introduction

Profiles and Data Analysis. 5.1 Introduction Profiles and Data Analysis PROFILES AND DATA ANALYSIS 5.1 Introduction The survey of consumers numbering 617, spread across the three geographical areas, of the state of Kerala, who have given information

More information

Policyholder s Satisfaction of Private Life Insurance Companies With Reference To Tirupur District, Tamilnadu

Policyholder s Satisfaction of Private Life Insurance Companies With Reference To Tirupur District, Tamilnadu International Journal of Computational Engineering Research Vol, 03 Issue, 9 Policyholder s Satisfaction of Private Life Insurance Companies With Reference To Tirupur District, Tamilnadu Dr.N.Kathirvel*

More information

A STUDY ON CONSUMER BEHAVIOUR TOWARDS ONLINE SHOPPING IN COIMBATORE DISTRICT

A STUDY ON CONSUMER BEHAVIOUR TOWARDS ONLINE SHOPPING IN COIMBATORE DISTRICT IMPACT: International Journal of Research in Business Management (IMPACT: IJRBM) ISSN(E): 2321-886X; ISSN(P): 2347-4572 Vol. 3, Issue 7, Jul 2015, 51-62 Impact Journals A STUDY ON CONSUMER BEHAVIOUR TOWARDS

More information

Table 1: Profile of Consumer Particulars Classification Numbers Percentage Upto 20 25 41.67 Age. 21 to 40 18 30.00 Above 40 17 28.

Table 1: Profile of Consumer Particulars Classification Numbers Percentage Upto 20 25 41.67 Age. 21 to 40 18 30.00 Above 40 17 28. 2014; 1(7): 280-286 IJMRD 2014; 1(7): 280-286 www.allsubjectjournal.com Received: 04-12-2014 Accepted: 22-12-2014 e-issn: 2349-4182 p-issn: 2349-5979 V. Suganthi Assistant Professor, Department of Commerce,

More information

PREFERENCES FOR WEALTH MANAGEMENT SERVICES: AN EMPIRICAL STUDY IN UDAIPUR, RAJASTHAN

PREFERENCES FOR WEALTH MANAGEMENT SERVICES: AN EMPIRICAL STUDY IN UDAIPUR, RAJASTHAN PREFERENCES FOR WEALTH MANAGEMENT SERVICES: AN EMPIRICAL STUDY IN UDAIPUR, RAJASTHAN Dr. Dhiraj Jain, Asistant Professor, Pacific Institute of Management, Udaipur, India Ms. Anupama Jhala, Research Scholar,

More information

Investors Attitudes towards Stock Market Investment

Investors Attitudes towards Stock Market Investment International Journal of scientific research and management (IJSRM) Volume 3 Issue 7 Pages 3356-3362 2015 \ Website: www.ijsrm.in ISSN (e): 2321-3418 Investors Attitudes towards Stock Market Investment

More information

Chapter VIII Customers Perception Regarding Health Insurance

Chapter VIII Customers Perception Regarding Health Insurance Chapter VIII Customers Perception Regarding Health Insurance This chapter deals with the analysis of customers perception regarding health insurance and involves its examination at series of stages i.e.

More information

Title of paper: ROLE OF SOCIAL MEDIA MARKETING IN AUTOMOBILE SECTOR

Title of paper: ROLE OF SOCIAL MEDIA MARKETING IN AUTOMOBILE SECTOR Title of paper: ROLE OF SOCIAL MEDIA MARKETING IN AUTOMOBILE SECTOR Authors: 1. Prof. Priyanka Shah Asst. Prof. Shri Chimanbhai Patel Institute of Management & Research 2. Prof. Anu Gupta Asst. Prof. Shri

More information

A Study On Indian Consumers Attitude Towards SMS Advertising Through Mobile Phones

A Study On Indian Consumers Attitude Towards SMS Advertising Through Mobile Phones 38 Opinion-Volume 1, No. 1, December 2011 A Study On Indian Consumers Attitude Towards SMS Advertising Through Mobile Phones Abstract Ravindra Reddy. T* Dr. Rajyalakshmi N** The rapid increase in the usage

More information

Pondicherry University 605014 India- Abstract

Pondicherry University 605014 India- Abstract International Journal of Management and International Business Studies. ISSN 2277-3177 Volume 4, Number 3 (2014), pp. 309-316 Research India Publications http://www.ripublication.com Management Information

More information

E-tailing: Analysis of Customer Preferences towards Online Shopping in Pune Region

E-tailing: Analysis of Customer Preferences towards Online Shopping in Pune Region E-tailing: Analysis of Customer Preferences towards Online Shopping in Pune Region *Prof. Vishal Raut Associate Professor-Trinity Institute of Management & Research Pune, Maharashtra, India **Prof. Dr.

More information

Consumer behavior towards online marketing

Consumer behavior towards online marketing 2016; 2(5): 859-863 ISSN Print: 2394-7500 ISSN Online: 2394-5869 Impact Factor: 5.2 IJAR 2016; 2(5): 859-863 www.allresearchjournal.com Received: 14-03-2016 Accepted: 15-04-2016 Dr. Mohan Kumar TP Co-Ordinator,

More information

A Comparative Analysis of Investor s Risk Perceptions towards Public & Selected Private Life Insurers in Jabalpur District of Madhya Pradesh.

A Comparative Analysis of Investor s Risk Perceptions towards Public & Selected Private Life Insurers in Jabalpur District of Madhya Pradesh. A Comparative Analysis of Investor s Risk Perceptions towards Public & Selected Private Life Insurers in Jabalpur District of Madhya Pradesh Dr. Anshuja Tiwari & Ms. Babita Yadav Abstract The deregulation

More information

A STUDY ON FACTORS AFFECTING CUSTOMERS INVESTMENT TOWARDS LIFE INSURANCE POLICIES

A STUDY ON FACTORS AFFECTING CUSTOMERS INVESTMENT TOWARDS LIFE INSURANCE POLICIES 106 A STUDY ON FACTORS AFFECTING CUSTOMERS INVESTMENT TOWARDS LIFE INSURANCE POLICIES ABSTRACT MS. BABITA YADAV*; DR. ANSHUJA TIWARI** *Research Scholar, Faculty of Commerce, R.D.V.V, Jabalpur. **Assistant

More information

A Study On Customer Purchase Behaviourtowards Mobile Phone With Special Reference To Erode City

A Study On Customer Purchase Behaviourtowards Mobile Phone With Special Reference To Erode City IOSR Journal of Business and Management (IOSR-JBM) e-issn : 2278-487X, p-issn : 2319-7668, PP 04-08 www.iosrjournals.org A Study On Customer Purchase Behaviourtowards Mobile Phone With Special Reference

More information

Exploring the Antecedents of Electronic Service Acceptance: Evidence from Internet Securities Trading

Exploring the Antecedents of Electronic Service Acceptance: Evidence from Internet Securities Trading Exploring the Antecedents of Electronic Service Acceptance: Evidence from Internet Securities Trading Siriluck Rotchanakitumnuai Department of Management Information Systems Faculty of Commerce and Accountancy

More information

COMPARISONS OF CUSTOMER LOYALTY: PUBLIC & PRIVATE INSURANCE COMPANIES.

COMPARISONS OF CUSTOMER LOYALTY: PUBLIC & PRIVATE INSURANCE COMPANIES. 277 CHAPTER VI COMPARISONS OF CUSTOMER LOYALTY: PUBLIC & PRIVATE INSURANCE COMPANIES. This chapter contains a full discussion of customer loyalty comparisons between private and public insurance companies

More information

Mobile Stock Trading (MST) and its Social Impact: A Case Study in Hong Kong

Mobile Stock Trading (MST) and its Social Impact: A Case Study in Hong Kong Mobile Stock Trading (MST) and its Social Impact: A Case Study in Hong Kong K. M. Sam 1, C. R. Chatwin 2, I. C. Ma 3 1 Department of Accounting and Information Management, University of Macau, Macau, China

More information

TRADING PRACTICES IN EQUITY MARKET AMONG RETAIL INVESTORS WITH SPECIFIC REFERENCE TO CHENNAI CITY

TRADING PRACTICES IN EQUITY MARKET AMONG RETAIL INVESTORS WITH SPECIFIC REFERENCE TO CHENNAI CITY EPRA International Journal of Economic and Business Review Inno Space (SJIF) Impact Factor : 4.618(Morocco) e-issn : 2347-9671, p- ISSN : 2349-0187 Vol - 3, Issue- 7, July 2015 ISI Impact Factor : 1.259

More information

CONSUMERS' BUYING BEHAVIOR TOWARDS GREEN PRODUCTS: AN EXPLORATORY STUDY

CONSUMERS' BUYING BEHAVIOR TOWARDS GREEN PRODUCTS: AN EXPLORATORY STUDY Int. J. Mgmt Res. & Bus. Strat. 2014 Collins Marfo Agyeman, 2014 ISSN 2319-345X www.ijmrbs.com Vol. 3, No. 1, January 2014 2014 IJMRBS. All Rights Reserved CONSUMERS' BUYING BEHAVIOR TOWARDS GREEN PRODUCTS:

More information

E-learning: Students perceptions of online learning in hospitality programs. Robert Bosselman Hospitality Management Iowa State University ABSTRACT

E-learning: Students perceptions of online learning in hospitality programs. Robert Bosselman Hospitality Management Iowa State University ABSTRACT 1 E-learning: Students perceptions of online learning in hospitality programs Sungmi Song Hospitality Management Iowa State University Robert Bosselman Hospitality Management Iowa State University ABSTRACT

More information

The Effect of Social and Demographic Factors on Life Insurance Demand in Croatia

The Effect of Social and Demographic Factors on Life Insurance Demand in Croatia International Journal of Business and Social Science Vol. 4 No. 9; August 2013 The Effect of Social and Demographic Factors on Life Insurance Demand in Croatia MARIJANA ĆURAK Associate Professor Department

More information

FINANCIAL LITERACY AND PERSONAL INVESTMENT DECISIONS OF RETAIL INVESTORS IN DELHI

FINANCIAL LITERACY AND PERSONAL INVESTMENT DECISIONS OF RETAIL INVESTORS IN DELHI FINANCIAL LITERACY AND PERSONAL INVESTMENT DECISIONS OF RETAIL INVESTORS IN DELHI Swati Narula Research Scholar, Department of Business Administration, University of Rajasthan, Jaipur, (India) ABSTRACT

More information

Web as New Advertising Media among the Net Generation: A Study on University Students in Malaysia

Web as New Advertising Media among the Net Generation: A Study on University Students in Malaysia Web as New Advertising Media among the Net Generation: A Study on University Students in Malaysia Arasu Raman* and Viswanathan Annamalai** Globalization drives a number of opportunities for small to medium

More information

A STUDY ON MUTUAL FUNDS WITH DUE REFERENCE TO SBI MUTUAL FUNDS

A STUDY ON MUTUAL FUNDS WITH DUE REFERENCE TO SBI MUTUAL FUNDS A STUDY ON MUTUAL FUNDS WITH DUE REFERENCE TO SBI MUTUAL FUNDS MR. BADRIVISHAL Asst-Professor, Signodia Arts, Commerce and P.G. center, Charkaman, Hyderabad Abstract The mutual fund industry is a lot like

More information

JOB SATISFACTION AMONG TEACHERS OF PRIVATE AND GOVERNMENT SCHOOL: A COMPARATIVE ANALYSIS

JOB SATISFACTION AMONG TEACHERS OF PRIVATE AND GOVERNMENT SCHOOL: A COMPARATIVE ANALYSIS JOB SATISFACTION AMONG TEACHERS OF PRIVATE AND GOVERNMENT SCHOOL: A COMPARATIVE ANALYSIS TILAK RAJ*; LALITA** *ASSOCIATE PROFESSOR, DEPARTMANT OF COMMERCE, M.D.U., ROHTAK **RESEARCH SCHOLAR, DEPARTMENT

More information

GRIEVANCES AND REDRESSAL OF INVESTORS IN INDIAN CAPITAL MARKET WITH REGARD TO COIMBATORE CITY

GRIEVANCES AND REDRESSAL OF INVESTORS IN INDIAN CAPITAL MARKET WITH REGARD TO COIMBATORE CITY GRIEVANCES AND REDRESSAL OF INVESTORS IN INDIAN CAPITAL MARKET WITH REGARD TO COIMBATORE CITY Mrs. R. Vennila Assistant Professor, Student, B.Com, Department of Commerce, Sri Krishna Arts and Science College,

More information

ISSN: 2321-7782 (Online) Volume 2, Issue 1, January 2014 International Journal of Advance Research in Computer Science and Management Studies

ISSN: 2321-7782 (Online) Volume 2, Issue 1, January 2014 International Journal of Advance Research in Computer Science and Management Studies ISSN: 2321-7782 (Online) Volume 2, Issue 1, January 2014 International Journal of Advance Research in Computer Science and Management Studies Research Paper Available online at: www.ijarcsms.com A Study

More information

Technology Complexity, Personal Innovativeness And Intention To Use Wireless Internet Using Mobile Devices In Malaysia

Technology Complexity, Personal Innovativeness And Intention To Use Wireless Internet Using Mobile Devices In Malaysia International Review of Business Research Papers Vol.4 No.5. October-November 2008. PP.1-10 Technology Complexity, Personal Innovativeness And Intention To Use Wireless Internet Using Mobile Devices In

More information

International Journal of Management, Innovation & Entrepreneurial Research Vol 1 (1), April 2015, Pg 10-14

International Journal of Management, Innovation & Entrepreneurial Research Vol 1 (1), April 2015, Pg 10-14 IMPACT OF DEMOGRAPHIC VARIABLES ON PURCHASE OF E-INSURANCE IN URBAN AREAS IN INDIA Dr. Syed Shahid Mazhar, Dr. Anisur Rehman and Mr. Shahab Ud Din Assistant Professor, Integral University, Department Of

More information

PERCEPTIONS OF INVESTORS ON MUTUAL FUNDS A COMPARATIVE STUDY ON PUBLIC AND PRIVATE SECTOR MUTUAL FUNDS

PERCEPTIONS OF INVESTORS ON MUTUAL FUNDS A COMPARATIVE STUDY ON PUBLIC AND PRIVATE SECTOR MUTUAL FUNDS 6 PERCEPTIONS OF INVESTORS ON MUTUAL FUNDS A COMPARATIVE STUDY ON PUBLIC AND PRIVATE SECTOR MUTUAL FUNDS Manasa Vipparthi* Ashwin Margam** Abstract: Indian Mutual Fund (MF) industry provides reasonable

More information

Potentiality of Online Sales and Customer Relationships

Potentiality of Online Sales and Customer Relationships Potentiality of Online Sales and Customer Relationships P. Raja, R. Arasu, and Mujeebur Salahudeen Abstract Today Internet is not only a networking media, but also as a means of transaction for consumers

More information

ISSN: 2321-7782 (Online) Volume 2, Issue 3, March 2014 International Journal of Advance Research in Computer Science and Management Studies

ISSN: 2321-7782 (Online) Volume 2, Issue 3, March 2014 International Journal of Advance Research in Computer Science and Management Studies ISSN: 2321-7782 (Online) Volume 2, Issue 3, March 2014 International Journal of Advance Research in Computer Science and Management Studies Research Article / Paper / Case Study Available online at: www.ijarcsms.com

More information

PERCEPTION OF SENIOR CITIZEN RESPONDENTS AS TO REVERSE MORTGAGE SCHEME

PERCEPTION OF SENIOR CITIZEN RESPONDENTS AS TO REVERSE MORTGAGE SCHEME CHAPTER- V PERCEPTION OF SENIOR CITIZEN RESPONDENTS AS TO REVERSE MORTGAGE SCHEME 5.1 Introduction The present study intended to investigate the senior citizen s retirement planning and their perception

More information

Demographic and Environment Factors Influence on Training and Development Effectiveness in Hotel Industry: A Case Study of Selected Hotels in Chennai

Demographic and Environment Factors Influence on Training and Development Effectiveness in Hotel Industry: A Case Study of Selected Hotels in Chennai Journal of Human Resources Management and Labor Studies March 2014, Vol. 2, No. 1, pp. 83-95 ISSN: 2333-6390 (Print), 2333-6404 (Online) Copyright The Author(s). 2014. All Rights Reserved. American Research

More information

A STUDY ON FACTORS AFFECTING INDIVIDUALS INVESTMENT TOWARDS LIFE INSURANCE POLICIES

A STUDY ON FACTORS AFFECTING INDIVIDUALS INVESTMENT TOWARDS LIFE INSURANCE POLICIES A STUDY ON FACTORS AFFECTING INDIVIDUALS INVESTMENT TOWARDS LIFE INSURANCE POLICIES *Heena Kothari Professor Altius Institute of Universal Studies, Indore (MP) India Email: heena.kothari@altius.ac.in **Roopam

More information

THE STUDY OF INVESTOR S PERCEPTION TOWARDS DERIVATIVES AS AN INVESTMENT AVENUE. Dr. Babaraju. K. Bhatt Principal

THE STUDY OF INVESTOR S PERCEPTION TOWARDS DERIVATIVES AS AN INVESTMENT AVENUE. Dr. Babaraju. K. Bhatt Principal THE STUDY OF INVESTOR S PERCEPTION TOWARDS DERIVATIVES AS AN INVESTMENT AVENUE Dr. Babaraju. K. Bhatt Principal Shri Manilal Kadakia College of Management & Computer Studies Ankleshwar, Gujarat State,

More information

Impact of ICT on Teacher Engagement in Select Higher Educational Institutions in India

Impact of ICT on Teacher Engagement in Select Higher Educational Institutions in India Impact of ICT on Teacher Engagement in Select Higher Educational Institutions in India Bushra S P Singh 1, Dr. Sanjay Kaushik 2 1 Research Scholar, University Business School, Arts Block 3, Panjab University,

More information

RECRUITERS PRIORITIES IN PLACING MBA FRESHER: AN EMPIRICAL ANALYSIS

RECRUITERS PRIORITIES IN PLACING MBA FRESHER: AN EMPIRICAL ANALYSIS RECRUITERS PRIORITIES IN PLACING MBA FRESHER: AN EMPIRICAL ANALYSIS Miss Sangeeta Mohanty Assistant Professor, Academy of Business Administration, Angaragadia, Balasore, Orissa, India ABSTRACT Recruitment

More information

Developing and Validating Customer Relationship Management (CRM) Practices Construct

Developing and Validating Customer Relationship Management (CRM) Practices Construct International Journal of Business and Behavioral Sciences Vol., No.; January 0 Developing and Validating Customer Relationship Management (CRM) Practices Construct Zuliana Zulkifli, *Izah Mohd Tahir Faculty

More information

Attitude of Working Women towards Investing In Life Insurance with Special Reference to Private Bank Employees Of Coimbatore City

Attitude of Working Women towards Investing In Life Insurance with Special Reference to Private Bank Employees Of Coimbatore City Attitude of Working Women towards Investing In Life Insurance with Special Reference to Private Bank Employees Of Coimbatore City S.VINOTH Assistant Professor RVS Institute of Management Studies and Research

More information

International Journal of Business, Economics and Management

International Journal of Business, Economics and Management International Journal of Business, Economics and Management journal homepage: http://pakinsight.com/?ic=aimandscope&journal=62 EFFECTS OF ADVERTISING ON CONSUMER BEHAVIOR IN LOW DENSITY HOUSES: THE CASE

More information

Dept. of Commerce and Financial Studies, Bharathidasan University, Tiruchirappalli, India. Pentecost University, Accra, Ghana

Dept. of Commerce and Financial Studies, Bharathidasan University, Tiruchirappalli, India. Pentecost University, Accra, Ghana Investors Attitude on Stock Selection 1 E. Bennet, 2 Dr. M. Selvam, 3 Eva Ebenezer, 4 V. Karpagam, 5 S. Vanitha 1,2,4,5 Dept. of Commerce and Financial Studies, Bharathidasan University, Tiruchirappalli,

More information

Factors Influencing Retail Investors Attitude Towards Investing in Equity Stocks: A Study in Tamil Nadu

Factors Influencing Retail Investors Attitude Towards Investing in Equity Stocks: A Study in Tamil Nadu Journal of Modern Accounting and Auditing, ISSN 1548-6583 March 2011, Vol. 7, No. 3, 316-321 Factors Influencing Retail Investors Attitude Towards Investing in Equity Stocks: A Study in Tamil Nadu Ebenezer

More information

A Study on Customer Orientation as Mediator between Emotional Intelligence and Service Performance in Banks

A Study on Customer Orientation as Mediator between Emotional Intelligence and Service Performance in Banks International Journal of Business and Management Invention ISSN (Online): 2319 8028, ISSN (Print): 2319 801X Volume 2 Issue 5 ǁ May. 2013ǁ PP.60-66 A Study on Customer Orientation as Mediator between Emotional

More information

Research Article. Variations in Opinions toward Disclosure Trend of Insurance Companies in Bangladesh: An Empirical Study

Research Article. Variations in Opinions toward Disclosure Trend of Insurance Companies in Bangladesh: An Empirical Study Research Article ISSN: XXXX-XXXX Variations in Opinions toward Disclosure Trend of Insurance Companies in Bangladesh: An Empirical Study Md. Abu Bokar Siddique 1, Taposh Kumar Neogy 2, Md. Rabiul Islam

More information

Online International Interdisciplinary Research Journal, {Bi-Monthly}, ISSN 2249-9598, Volume-V, Issue-V, Sept-Oct 2015 Issue

Online International Interdisciplinary Research Journal, {Bi-Monthly}, ISSN 2249-9598, Volume-V, Issue-V, Sept-Oct 2015 Issue Study of Employee Perception towards Performance Appraisal System with Special Reference to Education Sector in Pune City Sunanda Navale Founder Secretary, Sinhgad Technical Education Society, Ambegaon

More information

Personal Financial Knowledge and Attitude towards Credit Card Practices among Working Adults in Malaysia

Personal Financial Knowledge and Attitude towards Credit Card Practices among Working Adults in Malaysia International Journal of Business and Social Science Vol. 3 No. 7; April 2012 Personal Financial Knowledge and Attitude towards Credit Card Practices among Working Adults in Malaysia Zuroni Md Jusoh Lim

More information

CHAPTER-5 LITERATURE REVIEW AND SAMPLE PROFILE

CHAPTER-5 LITERATURE REVIEW AND SAMPLE PROFILE CHAPTER-5 LITERATURE REVIEW AND SAMPLE PROFILE 5.1 LITERATURE REVIEW: Legal Aspects of Internet Stock Trading in Brazil - By Alexandre Ramos Coelho: This paper presents the structure of the Brazilian stock

More information

Influence of Demographic Factors on Customers Perceptions towards CRM Practices among Banks

Influence of Demographic Factors on Customers Perceptions towards CRM Practices among Banks Influence of Demographic Factors on Customers Perceptions towards CRM Practices among Banks Zuliana Zulkifli, *Izah Mohd Tahir Faculty of Business Management and Accountancy, University Sultan Zainal Abidin,

More information

The Technology Acceptance Model with Online Learning for the Principals in Elementary Schools and Junior High Schools

The Technology Acceptance Model with Online Learning for the Principals in Elementary Schools and Junior High Schools The Technology Acceptance Model with Online Learning for the Principals in Elementary Schools and Junior High Schools RONG-JYUE FANG 1, HUA- LIN TSAI 2, CHI -JEN LEE 3, CHUN-WEI LU 4 1,2 Department of

More information

A study on Awareness of Health Insurance among people with special reference to Rajasthan (India)

A study on Awareness of Health Insurance among people with special reference to Rajasthan (India) A study on Awareness of Health Insurance among people with special reference to Rajasthan (India) Sonal Kala Research Scholar Department of Accountancy & Business Statistics University of Rajasthan, Jaipur

More information

International Journal of Advance Research in Computer Science and Management Studies

International Journal of Advance Research in Computer Science and Management Studies Volume 2, Issue 9, September 2014 ISSN: 2321 7782 (Online) International Journal of Advance Research in Computer Science and Management Studies Research Article / Survey Paper / Case Study Available online

More information

A Study on Effectiveness of Training in Indian Banks

A Study on Effectiveness of Training in Indian Banks A Study on Effectiveness of Training in Indian Banks P. Akilandeswari, Research Scholar, Bharathiyar University, Coimbatore, India. Email: akilaprabha1@gmail.com Dr. Jayalakshmi, Professor, Prist University,

More information

ijcrb.webs.com INTERDISCIPLINARY JOURNAL OF CONTEMPORARY RESEARCH IN BUSINESS OCTOBER 2013 VOL 5, NO 6 Abstract 1. Introduction:

ijcrb.webs.com INTERDISCIPLINARY JOURNAL OF CONTEMPORARY RESEARCH IN BUSINESS OCTOBER 2013 VOL 5, NO 6 Abstract 1. Introduction: Impact of Management Information Systems to Improve Performance in Municipalities in North of Jordan Fawzi Hasan Altaany Management Information Systems Department, Faculty of Administrative Sciences, Irbid

More information

THE INTERNATIONAL JOURNAL OF BUSINESS & MANAGEMENT

THE INTERNATIONAL JOURNAL OF BUSINESS & MANAGEMENT THE INTERNATIONAL JOURNAL OF BUSINESS & MANAGEMENT Management Education and Entrepreneurial Skill Set A Study among MBA Students of Bangalore J. Krithika Research Scholar, R&D Centre, Bharathiar University,

More information

A Study on Investors Attitude towards Physical Gold and E-Gold in Coimbatore City

A Study on Investors Attitude towards Physical Gold and E-Gold in Coimbatore City A Study on Investors Attitude towards Physical Gold and E-Gold in Coimbatore City Dr. B. Saranya Assistant Professor, PSG College of Arts & Science, Coimbatore, Tamil Nadu, India Ms. U. Jisha Assistant

More information

OUTREACH Volume VII 2014 39-43 A Multi-Disciplinary Refereed Journal

OUTREACH Volume VII 2014 39-43 A Multi-Disciplinary Refereed Journal OUTREACH Volume VII 2014 39-43 A Multi-Disciplinary Refereed Journal Job Satisfaction of Women Teachers M.S University Affiliated Arts and Science Colleges M. Murugeswari, K. Kamalakannan, Department of

More information

International Journal of Arts and Science Research Journal home page: www.ijasrjournal.com

International Journal of Arts and Science Research Journal home page: www.ijasrjournal.com Research Article ISSN: 2393 9532 International Journal of Arts and Science Research Journal home page: www.ijasrjournal.com JuneJuneJuneLEADER AND SUBORDINATE PERCEPTION ON LEADERSHIP PURCHASING PATTERNS

More information

PHYSICIANS ACCEPTANCE OF WEB-BASED MEDICAL ASSESSMENT SYSTEMS: FINDINGS FROM A NATIONAL SURVEY

PHYSICIANS ACCEPTANCE OF WEB-BASED MEDICAL ASSESSMENT SYSTEMS: FINDINGS FROM A NATIONAL SURVEY PHYSICIANS ACCEPTANCE OF WEB-BASED MEDICAL ASSESSMENT SYSTEMS: FINDINGS FROM A NATIONAL SURVEY Bengisu Tulu School of Information Science Claremont Graduate University bengisu.tulu@cgu.edu Brian Hilton

More information

An Explorative Model for B2B Cloud Service Adoption in Korea - Focusing on IaaS Adoption

An Explorative Model for B2B Cloud Service Adoption in Korea - Focusing on IaaS Adoption , pp.155-164 http://dx.doi.org/10.14257/ijsh.2013.7.5.16 An Explorative Model for B2B Cloud Service Adoption in Korea - Focusing on IaaS Adoption Kwang-Kyu Seo Department of Management Engineering, Sangmyung

More information

ANALYSIS OF USER ACCEPTANCE OF A NETWORK MONITORING SYSTEM WITH A FOCUS ON ICT TEACHERS

ANALYSIS OF USER ACCEPTANCE OF A NETWORK MONITORING SYSTEM WITH A FOCUS ON ICT TEACHERS ANALYSIS OF USER ACCEPTANCE OF A NETWORK MONITORING SYSTEM WITH A FOCUS ON ICT TEACHERS Siti Rahayu Abdul Aziz 1, Mohamad Ibrahim 2, and Suhaimi Sauti 3 1 Universiti Teknologi MARA, Malaysia, rahayu@fskm.uitm.edu.my

More information

in nigerian companies.

in nigerian companies. Information Management 167 in nigerian companies. Idris, Adekunle. A. Abstract: Keywords: Relationship Marketing, Customer loyalty, Customer Service, Relationship Marketing Strategy and Nigeria. Introduction

More information

A STUDY ON THE INFLUENCE OF SOCIAL NETWORKING SITES ON THE INTERPERSONAL RELATIONSHIPS OF COLLEGE STUDENTS IN CHENNAI AND COIMBATORE CITIES OF INDIA

A STUDY ON THE INFLUENCE OF SOCIAL NETWORKING SITES ON THE INTERPERSONAL RELATIONSHIPS OF COLLEGE STUDENTS IN CHENNAI AND COIMBATORE CITIES OF INDIA A STUDY ON THE INFLUENCE OF SOCIAL NETWORKING SITES ON THE INTERPERSONAL RELATIONSHIPS OF COLLEGE STUDENTS IN CHENNAI AND COIMBATORE CITIES OF INDIA *PurinatYamakanith, Research scholar, School of Commerce,

More information

INCLINATION OF ENTREPRENEURSHIP AMONG MBA WOMEN STUDENTS IN NAMAKKAL DISTRICT, TAMIL NADU

INCLINATION OF ENTREPRENEURSHIP AMONG MBA WOMEN STUDENTS IN NAMAKKAL DISTRICT, TAMIL NADU INCLINATION OF ENTREPRENEURSHIP AMONG MBA WOMEN STUDENTS IN NAMAKKAL DISTRICT, TAMIL NADU ABSTRACT Dr. V. RATHIKA Assistant Professor, Dept of Management, K. S. Rangasamy College of Arts and Science, Tiruchengode-6370125

More information

PURCHASE DECISION FACTORS OF LIFE INSURANCE POLICY HOLDERS IN DHARMAPURI DISTRICT, TAMIL NADU, INDIA

PURCHASE DECISION FACTORS OF LIFE INSURANCE POLICY HOLDERS IN DHARMAPURI DISTRICT, TAMIL NADU, INDIA PURCHASE DECISION FACTORS OF LIFE INSURANCE POLICY HOLDERS IN DHARMAPURI DISTRICT, TAMIL NADU, INDIA V. Karthiga* Dr. G. Vadivalagan** Abstract The Indian Insurance Industry is as old as it is in any other

More information

CUSTOMER PERCEIVED VALUE OF SHAMPOO IN TIRUCHIRAPPALLI DISTRICT

CUSTOMER PERCEIVED VALUE OF SHAMPOO IN TIRUCHIRAPPALLI DISTRICT IMPACT: International Journal of Research in Business Management (IMPACT: IJRBM) ISSN(E): 2321-886X; ISSN(P): 2347-4572 Vol. 2, Issue 5, May 2014, 113-120 Impact Journals CUSTOMER PERCEIVED VALUE OF SHAMPOO

More information

CUSTOMER SERVICE AND ORGANIZATIONAL GROWTH OF SERVICE ENTERPRISE IN SOMALIA

CUSTOMER SERVICE AND ORGANIZATIONAL GROWTH OF SERVICE ENTERPRISE IN SOMALIA CUSTOMER SERVICE AND ORGANIZATIONAL GROWTH OF SERVICE ENTERPRISE IN SOMALIA Ismail Ali Yusuf Hassan Faculty of Business and Accountancy, SIMAD University, Mogadishu, SOMALIA. ismartyou@gmail.com ABSTRACT

More information

CHAPTER IV FINDINGS AND CONCURRENT DISCUSSIONS

CHAPTER IV FINDINGS AND CONCURRENT DISCUSSIONS CHAPTER IV FINDINGS AND CONCURRENT DISCUSSIONS Hypothesis 1: People are resistant to the technological change in the security system of the organization. Hypothesis 2: information hacked and misused. Lack

More information

AN EMPIRICAL EVALUATION OF MONEY TRANSFER SERVICES IN INDIA

AN EMPIRICAL EVALUATION OF MONEY TRANSFER SERVICES IN INDIA 186 AN EMPIRICAL EVALUATION OF MONEY TRANSFER SERVICES IN INDIA DR.M.LATHA NATARAJAN*; DR. M.G.SARAVANARAJ**; R. SERANMADEVI*** ABSTRACT *Head/Professor, Department of Management Studies, Vivekanandha

More information

Brand Loyalty in Insurance Companies

Brand Loyalty in Insurance Companies Journal of Economic Development, Management, IT, Finance and Marketing, 4(1), 12-26, March 2012 12 Brand Loyalty in Insurance Companies Sancharan Roy, (B.E., MBA) Assistant Professor, St. Joseph's College

More information

Consumer Attitude and Perception of Mobile Phone Service Providers in Nagapattinam District

Consumer Attitude and Perception of Mobile Phone Service Providers in Nagapattinam District Volume: 2, Issue: 7, 673-678 Aug 2015 www.allsubjectjournal.com e-issn: 2349-4182 p-issn: 2349-5979 Impact Factor: 3.762 A. Muthukumaran Part-Time Research Scholar, Assistant Professor of Commerce, A.V.C.

More information

Summary A Contemporary Study of Factors Influencing Urban and Rural Consumers for Buying Different Life Insurance Policies in Haryana.

Summary A Contemporary Study of Factors Influencing Urban and Rural Consumers for Buying Different Life Insurance Policies in Haryana. Summary The topic of research was A Contemporary Study of Factors Influencing Urban and Rural Consumers for Buying Different Life Insurance Policies in Haryana. Summary of the thesis presents an overview

More information

The Impact of Service Quality on Customer Satisfaction and Loyalty in Indian Banking Sector: An Empirical Study through SERVPERF

The Impact of Service Quality on Customer Satisfaction and Loyalty in Indian Banking Sector: An Empirical Study through SERVPERF Int. J. Manag. Bus. Res., 2 (2), 151-163, Spring 2012 IAU The Impact of Service Quality on Customer Satisfaction and Loyalty in Indian Banking Sector: An Empirical Study through SERVPERF *1 S. Vijay Anand,

More information

Using the Technology Acceptance Model in Understanding Academics Behavioural Intention to Use Learning Management Systems

Using the Technology Acceptance Model in Understanding Academics Behavioural Intention to Use Learning Management Systems Using the Technology Acceptance Model in Understanding Academics Behavioural Intention to Use Learning Management Systems Saleh Alharbi School of ICT, Griffith University Gold Coast, Australia Computer

More information

APPENDIX - I INVESTORS PERCEPTION TOWARDS DERIVATIVES WITH REFERENCE TO FUTURE AND OPTIONS AT TANJORE DISTRICT QUESTIONNAIRE. 2. Gender : Male Female

APPENDIX - I INVESTORS PERCEPTION TOWARDS DERIVATIVES WITH REFERENCE TO FUTURE AND OPTIONS AT TANJORE DISTRICT QUESTIONNAIRE. 2. Gender : Male Female II APPENDIX - I INVESTORS PERCEPTION TOWARDS DERIVATIVES WITH REFERENCE TO FUTURE AND OPTIONS AT TANJORE DISTRICT A. GENERAL INFORMATION 1. Name of the Investor : QUESTIONNAIRE 2. Gender : Male Female

More information

International Journal of Advance Research in Computer Science and Management Studies

International Journal of Advance Research in Computer Science and Management Studies Volume 2, Issue 8, August 2014 ISSN: 2321 7782 (Online) International Journal of Advance Research in Computer Science and Management Studies Research Article / Survey Paper / Case Study Available online

More information

Comparative study of Investment with special reference to Gold and Mutual Fund

Comparative study of Investment with special reference to Gold and Mutual Fund Comparative study of Investment with special reference to Gold and Mutual Fund Prof. Sarika Pansare ASM S IPS Email id: Pansare.sd@gmail.com Prof. Harshvardhan Bhavsar ASM s IPS Email-id: harshvardhanbhavsar@yahoo.co.in

More information

A Study on Consumer Perception Regarding Birla Sun Life Mutual Fund, Jalandhar

A Study on Consumer Perception Regarding Birla Sun Life Mutual Fund, Jalandhar A Study on Consumer Perception Regarding Birla Sun Life Mutual Fund, Jalandhar 1 Khurshid Ahmad Bhat, 2 Ruchi Singh Maurya 1 Awadhesh Pratap Singh University, Rewa, Madhya Pradesh, India, 2 College of

More information

Equity Investors Risk Tolerance Level During the Volatility of Indian Stock Market

Equity Investors Risk Tolerance Level During the Volatility of Indian Stock Market Equity Investors Risk Tolerance Level During the Volatility of Indian Stock Market 1 D.Suganya, 2 Dr. S.Parvathi 1 SNT Global Academy of Management studies and Technology, Coimbatore, India 2 Emerald Heights

More information

A STUDY ON IMPACT OF JOB ENRICHMENT PRACTICES TOWARDS EMPLOYEE SATISFACTION AT HDFC STANDARD LIFE INSURANCE

A STUDY ON IMPACT OF JOB ENRICHMENT PRACTICES TOWARDS EMPLOYEE SATISFACTION AT HDFC STANDARD LIFE INSURANCE A STUDY ON IMPACT OF JOB ENRICHMENT PRACTICES TOWARDS EMPLOYEE Shilpa R* A. Asif Ali* N. Sathyanarayana* Roopa Rani * SATISFACTION AT HDFC STANDARD LIFE INSURANCE Abstract: In today s dynamic world organizations

More information

A Study on Customer Relationship Management Practices in Selected Private Sector Banks with Reference to Coimbatore District

A Study on Customer Relationship Management Practices in Selected Private Sector Banks with Reference to Coimbatore District A Study on Customer Relationship Management Practices in Selected Private Sector Banks with Reference to Coimbatore District Dr. H. Balakrishnan* & R. Krishnaveni** *Principal & Secretary, S.N.R Sons College,

More information

Service Quality Value Alignment through Internal Customer Orientation in Financial Services An Exploratory Study in Indian Banks

Service Quality Value Alignment through Internal Customer Orientation in Financial Services An Exploratory Study in Indian Banks Service Quality Value Alignment through Internal Customer Orientation in Financial Services An Exploratory Study in Indian Banks Prof. Tapan K.Panda* Introduction A high level of external customer satisfaction

More information

CHAPTER-VIII FINDINGS AND SUGGESTIONS

CHAPTER-VIII FINDINGS AND SUGGESTIONS CHAPTER-VIII FINDINGS AND SUGGESTIONS The present study has brought some novel contributions towards the knowledge of online shopping and found the reasons for the shift in buying behavior from the traditional

More information

Vice-Chancellors Influence on Academic Staff Intentions to Use Learning Management Systems (LMS) For Teaching and Learning. J. Macharia & E.

Vice-Chancellors Influence on Academic Staff Intentions to Use Learning Management Systems (LMS) For Teaching and Learning. J. Macharia & E. Vice-Chancellors Influence on Academic Staff Intentions to Use Learning Management Systems (LMS) For Teaching and Learning J. Macharia & E. Nyakwende Abstract Universities world over are increasingly deploying

More information

Students Inclination Towards E-Learning: A Study

Students Inclination Towards E-Learning: A Study Students Inclination Towards E-Learning: A Study 1 Sonal Chawla, 2 Anjali Jindia 1 DCSA, Panjab University Chandigarh 2 DCSA, Panjab University Chandigarh 1 sonal_chawla11@rediffmail.com 2 ambitious.7aug@gmail.com

More information

Determinants of Customers' Satisfaction for Stock Broking Services - An Empirical Analysis

Determinants of Customers' Satisfaction for Stock Broking Services - An Empirical Analysis Pacific Business Review International Volume 5 Issue 7 (January 2013) 74 Determinants of Customers' Satisfaction for Stock Broking Services - An Empirical Analysis Dr Rajeev K Shukla*, Dr Ajit Upadhyaya**

More information

Social Media Usage in Indian Information Technology Professionals

Social Media Usage in Indian Information Technology Professionals 11 Social Media Usage in Indian Information Technology Professionals Amol Kumar Gupta, Research Scholar, Department of Management, EIILM University, Sikkim Dr. Sangya Shrivastava, Director, Rai Business

More information

Evaluating User Acceptance of Online Banking Information Systems: An Empirical Case of Pakistan Paper 18

Evaluating User Acceptance of Online Banking Information Systems: An Empirical Case of Pakistan Paper 18 Evaluating User Acceptance of Online Banking Information Systems: An Empirical Case of Pakistan Paper 18 Fida Hussain Chandio fida.chandio@brunel.ac.uk ABSTRACT Pakistan banking sector has gone through

More information

Examining the Relationship between Emotional Intelligence and Brokerage Firms Performance in Tehran Stock Exchange

Examining the Relationship between Emotional Intelligence and Brokerage Firms Performance in Tehran Stock Exchange International Research Journal of Applied and Basic Sciences. Vol., 3 (4), 886-890, 2012 Available online at http://www. irjabs.com ISSN 2251-838X 2012 Examining the Relationship between Emotional Intelligence

More information

Effectiveness of Television Advertisement on Purchase Intention

Effectiveness of Television Advertisement on Purchase Intention Effectiveness of Television Advertisement on Purchase Intention Ms. Hemamalini. K.S*, Ms. Shree Kala Kurup** Assistant Professor, Department of Management Studies, VEL S University, Tamil Nadu, hennai,

More information

Brand positioning strategy and life style linkages in tourism marketing

Brand positioning strategy and life style linkages in tourism marketing Acta de Gerencia Ciencia Vol-1: No-2: 2013:33-37. www.cagena.com Brand positioning strategy and life style linkages in tourism marketing Ashish Sharma * R.D University, Saraswati Vihar, Pachpedi, Jabalpur-482001,

More information

This chapter deals with the description of the sample of 1000 policyholders focused

This chapter deals with the description of the sample of 1000 policyholders focused CHAPTER -5 DATA ANALYSIS, INTERPRETATION AND FINDINGS This chapter deals with the description of the sample of 1000 policyholders focused on demographic factors (gender, age, religion, residence) data

More information

MAGNT Research Report (ISSN. 1444-8939) Vol.2 (Special Issue) PP: 213-220

MAGNT Research Report (ISSN. 1444-8939) Vol.2 (Special Issue) PP: 213-220 Studying the Factors Influencing the Relational Behaviors of Sales Department Staff (Case Study: The Companies Distributing Medicine, Food and Hygienic and Cosmetic Products in Arak City) Aram Haghdin

More information

Evaluating the Factors Affecting on Intension to Use of E-Recruitment

Evaluating the Factors Affecting on Intension to Use of E-Recruitment American Journal of Information Science and Computer Engineering Vol., No. 5, 205, pp. 324-33 http://www.aiscience.org/journal/ajisce Evaluating the Factors Affecting on Intension to Use of E-Recruitment

More information

D.P. Abeysooriya a, P.A.P. Samantha Kumara b a Faculty of Information Technology, ICBT Campus, Sri Lanka. deloosha@icbtcampus.edu.lk.

D.P. Abeysooriya a, P.A.P. Samantha Kumara b a Faculty of Information Technology, ICBT Campus, Sri Lanka. deloosha@icbtcampus.edu.lk. Reshaping Management and Economic Thinking through Integrating Eco-Friendly and Ethical Practices Proceedings of the 3 rd International Conference on Management and Economics 26-27 February 2014 Faculty

More information

second century. Banking in India can be, by and large, grouped into three eras, i.e., pre-nationalisation, postnationalisation

second century. Banking in India can be, by and large, grouped into three eras, i.e., pre-nationalisation, postnationalisation By: Dr M. SELVAKUMAR e.l. ramar ATTITUDE OF CUSTOMERS TOWARDS e-crm SERVICES OF BANKS IN VIRUDHUNAGAR DISTRICT, TAMIL NADU The key objective of an organisation should be to keep an eye on each and every

More information