Search
168 articles for “E-banking”
-
A Descriptive Study on FASTag: Electronic Toll, Standing Tall
Abstract: FASTag is a boon for transportation as it makes movement barrier free and fast by reloading the tag and deducting toll charges automatically. It uses radio-frequency identification (RFID) technology to make cashless payments through a prepaid account linked to it. On 19 October 2019, it was announced that FASTag will be mandatory on all National Highways from 1 December 2019. You can also buy FASTag by visiting the nearest certified …
Published in NOLEGEIN Journal of Information Technology & Management · Vol. 3, Issue 1, 2020 · pp. 26–29 Read article
-
A Comparative Analysis of Performance Metrics of India’s Top 5 Public and Private Banks
Abstract: The financial performance of banks is a vital indicator of a country’s economic stability and progress. In India’s rapidly evolving and competitive banking landscape, understanding financial trends and outcomes is essential for evaluating institutional resilience and sector-wide health. This analysis focuses on the financial efficiency of five prominent Indian banks for the period of 2019-2024. Using a descriptive research design, the study assesses key financial ratios including profitability, liquidity, and …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 1, 2025 · pp. 22–29 Read article
-
A Study on Home Loans Offered by Banks in India
Abstract: Home Loans are one of the most well-known sorts of advances given by banks in India. Indian banks offer home Loans to individuals who need to purchase a house or fabricate another one. Indian banks offer domestic advances with diverse intrigued rates, reimbursement periods, and other terms and conditions. Banks as a rule offer domestic advances with intrigued rates extending from 6.5% to 12%. The reimbursement period for domestic loans …
Published in NOLEGEIN Journal of Entrepreneurship Planning, Development and Management · Vol. 7, Issue 2, 2024 · pp. 29–33 Read article
-
Parameterizing Credit Risk Management System in Commercial Banks of India
Abstract: Credit risk is the possibility that a financial institution may lose money if a borrower's circumstances worsen to the degree where an asset's value (including off-balance-sheet assets) is reduced or eliminated. The goal of this work is to make clear the challenges caused by past-due loans so that they can be utilized as a further tool to comprehend the elements of commercial banks' (CBs') credit risk management (CRM) systems in …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 6, Issue 2, 2023 · pp. 1–7 Read article
-
A Gender wise Study on Privacy and Security in Digital Banking
Abstract: Banks have always been a place of trust for all: Young/old, Rich/Poor, Male/Female, Literate. Theconcept of bank in India is that of a place where there are long ques for every activity and a hugeamount of paperwork is to be done for each transaction. However, due to the introduction oftechnology in the banking sector, the scenario is not the same anymore; it has reduced the quantum ofpaperwork for many banking …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 5, Issue 1, 2022 Read article
-
A Research Paper on Credit Management of Porbandar Commercial Co-Operative Bank in Porbandar City
Abstract: Credit management is a core process for commercial banks and therefore the ability to manage its process is essential for their success. The purpose of the study is to examine the credit management of PCC bank of Porbandar. The study used descriptive research design to know the effects of credit management on the firm’s profitability. It also contains structured questionnaire for data collection. Thus management needs to put in place …
Published in NOLEGEIN Journal of Organizational Behavior Management · Vol. 2, Issue 1, 2019 · pp. 15–18 Read article
-
A Study on Customer Perception towards Chatbot-unable CustomerServices: An Empirical Study of Service Effectiveness andSatisfaction
Abstract: Chatbots have become an integral part of digital customer service strategies across banking, e-commerce, telecommunications, and hospitality. While organizations increasingly adopt AI-based conversational agents to reduce cost and improve responsiveness, the ultimate success of such systems depends on how customers perceive and accept them. This study examines customer perception towards chatbot-based customer services, with specific objectives of analyzing customer satisfaction, evaluating the effectiveness of chatbots in improving customer experience, and …
Published in NOLEGEIN Journal of Global Marketing · Vol. 9, Issue 2, 2026 Read article
-
Role of Financial Institutions Over International Trade During Economic Crisis
Abstract: The financial institutions, the fund generator and infuser in times of need are considered as a great savior by the firms. The financial institution plays an important role during the growth of every corporate firm during the period of their growth. Especially, the financial institutions under the governance of Central Bank extend their loans toward the growth of companies of a country with a belief that the expansion of the …
Published in NOLEGEIN Journal of Organizational Behavior Management · Vol. 3, Issue 1, 2020 · pp. 31–36 Read article
-
Financial Performance Analysis of Canara Bank
Abstract: This study measures the financial performance of Canara Bank in India from 2012–13 to 2021–22.Hypothesis testing was done in the study with t-test by using SPSS. The banks performance wasefficient using strategic plans. This present study evaluates the bank performance using financialratios. The use of financial ratio analysis to compare the bank's financial situation to previous year'sperformance and helps in decision making of the concern. Descriptive statistics were used in …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 5, Issue 1, 2022 Read article
-
A Study on Mergers and Banks Performance in India
Abstract: In today’s globalised economy, mergers and acquisitions (M&A) are being increasingly used the world over, for improving competitiveness of companies through gaining greater market share, broadening the portfolio to reduce business risk, for entering new markets and geographies, and capitalizing on economies of scale etc. This research aims at evaluating the synergies gained from bank mergers by dividing them into two categories of forced mergers and market driven mergers. The …
Published in NOLEGEIN Journal of Corporate & Business Laws · Vol. 1, Issue 2, 2018 · pp. 25–30 Read article
-
Cashless Economy: The Future of India
Abstract: Money cannot be king any longer. An economy that doesn’t use cash has all transactions for goods and services done online. Debit and credit cards, card-swipe technology, digital wallets, debit and credit cards, and e-banking are all included (mobile banking or banking through computers). Digital or cashless transactions have the advantages of greater accountability, scalability, and transparency. This research article focuses on the concept of a cashless economy, different types …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 5, Issue 2, 2022 · pp. 38–41 Read article
-
A Comparison of Employees Productivity in a Hybrid and Physically Work Mode
Abstract: The evolution of workplace dynamics in the 21st century has accelerated drastically, particularly after the global outbreak of COVID-19, which compelled organizations worldwide to adopt flexible work models. Among these, hybrid and fully remote work models have emerged as dominant approaches, each with distinct implications on employee productivity and organizational performance. This research paper investigates and compares productivity outcomes between hybrid and fully remote work environments, focusing on how each …
Published in NOLEGEIN Journal of Performance Management & Retention Strategies · Vol. 9, Issue 2, 2026 · pp. 1–10 Read article
-
Comprehensive study of Credit Risk Management with reference to a Public Sector Bank
Abstract: Risk is defined as the uncertainties ensuing in unfavorable outcome, negative in relation to deliberate objective or expression. Uncertainties related to hazard element effect the internet cash drift of any commercial enterprise investment. The feasible destructive effect is the ‘threat’ of the commercial enterprise. For banks, hazard control has assumed so much importance in current scenario that the rating of banks rely upon its abilities of effective identify, get right …
Published in NOLEGEIN Journal of Operations Research & Management · Vol. 1, Issue 1, 2018 · pp. 11–27 Read article
-
Refinancing the NPA’s Through Bad Banks: A Conceptual Analysis
Abstract: The COVID 19 pandemic has made matters worse for both individual and corporate borrowers, whose balances in India’s banking sector are exhibiting significant increases in non-performing assets (NPAs). Investor confidence is being shaken by the weak balance sheets of public sector banks, which the banks need to confront head-on. The term “bad bank” was first used in the 1980s in the United States, and many other nations soon followed suit …
Published in NOLEGEIN Journal of Corporate & Business Laws · Vol. 8, Issue 1, 2025 · pp. 1–5 Read article
-
An Analysis of Cryptocurrency and Its Influence on Conventional Financial System
Abstract: This study explores the growing influence of cryptocurrency on traditional banking systems, focusing on how decentralized digital currencies such as Bitcoin, Ethereum, and Ripple are transforming the financial landscape. The research examines the disruptive impact of cryptocurrency on core banking functions, including fund transfers, lending, and monetary policy execution. The paper offers a sophisticated grasp of the opportunities and difficulties presented by this financial innovation by fusing theoretical analysis with …
Published in NOLEGEIN Journal of Operations Research & Management · Vol. 8, Issue 2, 2025 · pp. 6–14 Read article
-
UPI and the Transformation of India's Digital Economy
Abstract: From a payment innovation, the Unified Payments Interface (UPI) has grown into a crucial pillar of India's quickly developing digital economy. It is important not just for facilitating electronic transfers but also for establishing an interoperable environment where banks, merchants, customers, and IT firms may engage in digital transactions via a shared infrastructure. This shift has been expedited by the expansion of mobile connection, cellphones, bank account penetration, and financial …
Published in NOLEGEIN Journal of Management Information Systems · Vol. 9, Issue 2, 2026 Read article
-
Assessing Perception Towards Post-Merger Service Quality and Its Effect on Customer Satisfaction in Indian PSB's
Abstract: Recent changes and trends in public sector banks have affected their clients and stakeholders. The changes and advancements, which include the mergers of numerous PSBs, technology upgrades, and changes in management, have left the public with an unsolved question of the perception of these changes by customers and stakeholders. This study investigates how customers perceive the quality of service in consolidated public sector banks and the subsequent impact on their …
Published in NOLEGEIN Journal of Operations Research & Management · Vol. 7, Issue 2, 2024 · pp. 25–31 Read article
-
A Research Paper on Effectiveness of Pradhan Mantri Fasal Bima Yojana (pmfby)
Abstract: Banking can be defined as accepting and safeguarding money owned by other individuals and entities and then lending this money to earn a profit. However, the activities covered by the banking business have expanded with the passage of time, and banks are now also offering various other services. These days, the banking services include issuing debit and credit cards, providing safe custody of valuable items, lockers, ATM services, and transferring …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 1, Issue 2, 2018 · pp. 5–8 Read article
-
Assessing the Development, Effectiveness, and Sustainability of SBI in the Post-Epidemic Era
Abstract: This study examines the financial performance of the State Bank of India (SBI) over the recent five‐year period (FY2020–FY2025), focusing on profitability, asset quality, capital adequacy, efficiency, and growth. Using secondary data from SBI’s annual reports and industry publications, key financial ratios are analysed to evaluate trends in Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM), Non‐Performing Asset (NPA) ratios, Cost‐to‐Income ratio, and other indicators. The …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 2, 2025 · pp. 17–21 Read article
-
The Evolution of the RBI Governor's Role: A Comparative Analysis Pre- and Post-MPC Constitution
Abstract: The Reserve Bank of India (RBI) has been a cornerstone in India's economic framework since its inception in 1935. The RBI Governor has historically wielded significant autonomous power in shaping monetary policy. This research examines the evolution of the RBI Governor's role before and after the establishment of the Monetary Policy Committee (MPC) in 2016. The MPC was introduced to enhance the transparency, accountability, and credibility of monetary policy decisions …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 2, 2024 · pp. 78–82 Read article