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src="https://0.academia-photos.com/26753192/88440115/77136876/s200_dr_dhiraj.sharma.jpeg" /></div><div class="title-container"><h1 class="ds2-5-heading-sans-serif-sm">Dr Dhiraj Sharma</h1><div class="affiliations-container fake-truncate js-profile-affiliations"><div><a class="u-tcGrayDarker" href="https://punjabiuniversitypatiala.academia.edu/">Punjabi University Patiala</a>, <a class="u-tcGrayDarker" href="https://punjabiuniversitypatiala.academia.edu/Departments/School_of_Management_Studies/Documents">School of Management Studies</a>, <span class="u-tcGrayDarker">Faculty Member</span></div></div></div></div><div class="sidebar-cta-container"><button class="ds2-5-button hidden profile-cta-button grow js-profile-follow-button" data-broccoli-component="user-info.follow-button" data-click-track="profile-user-info-follow-button" data-follow-user-fname="Dr Dhiraj" data-follow-user-id="26753192" data-follow-user-source="profile_button" data-has-google="false"><span 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class="label">Co-authors</p><p class="data">3</p></div></a><span><div class="stat-container"><p class="label"><span class="js-profile-total-view-text">Public Views</span></p><p class="data"><span class="js-profile-view-count"></span></p></div></span></div><div class="user-bio-container"><div class="profile-bio fake-truncate js-profile-about" style="margin: 0px;"><b>Address: </b>Patiala, State of Punjab, India<br /><div class="js-profile-less-about u-linkUnstyled u-tcGrayDarker u-textDecorationUnderline u-displayNone">less</div></div></div><div class="suggested-academics-container"><div class="suggested-academics--header"><p class="ds2-5-body-md-bold">Related Authors</p></div><ul class="suggested-user-card-list"><div class="suggested-user-card"><div class="suggested-user-card__avatar social-profile-avatar-container"><a href="https://independent.academia.edu/GANAKAFIYAWAKILPHA173076"><img class="profile-avatar u-positionAbsolute" alt="GANA KAFIYA WAKIL PHA173076" border="0" onerror="if 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data-click-track="profile-work-strip-thumbnail" href="https://www.academia.edu/125402418/Elucidation_of_Dividend_Payout_Determinants_on_Manufacturing_Companies_A_Systematic_ReviewJ"><img alt="Research paper thumbnail of Elucidation of Dividend Payout Determinants on Manufacturing Companies A Systematic ReviewJ" class="work-thumbnail" src="https://attachments.academia-assets.com/119452517/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/125402418/Elucidation_of_Dividend_Payout_Determinants_on_Manufacturing_Companies_A_Systematic_ReviewJ">Elucidation of Dividend Payout Determinants on Manufacturing Companies A Systematic ReviewJ</a></div><div class="wp-workCard_item wp-workCard--coauthors"><span>by </span><span><a class="" data-click-track="profile-work-strip-authors" href="https://independent.academia.edu/IdrisAli47">Idris Ali Yimer</a> and <a class="" data-click-track="profile-work-strip-authors" href="https://punjabiuniversitypatiala.academia.edu/DrDhirajSharma">Dr Dhiraj Sharma</a></span></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">Controversy issues in dividend policy have not been solved so far in modern corporate finance. Di...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">Controversy issues in dividend policy have not been solved so far in modern corporate finance. Dividend payout is a puzzle in the contemporary financing system, as it was a traditional puzzle. Besides, conflict of interest between shareholders and managers of the corporation leads to a dramatic approach in the recent business environment. The main objective of this review was to identify and elucidate dividend payout determinants in manufacturing companies. Manufacturing is an industry that often uses manual labour or machinery to create goods from raw materials. Manufacturing industries include metal, automotive, electronics, textile, chemical, food and beverage, and so on sectors. This review carried out from 2004 to 2022 published studies in indexed journals. The review has assessed 62 journals with different databases through a vigilant review process concretely. The journals have been selected and systematically elucidated as relevant to the subject matter. The review depicts that dividend payout determinants differ from company to company. This shows that the dividend issue is still a puzzle in contemporary corporate finance.<br />Keywords: Dividend Payout, Determinants, Manufacturing, Firm-Specific, Macro-Economics</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="a122346f2dc4ae0564957b152bc390a6" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":119452517,"asset_id":125402418,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/119452517/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="125402418"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="125402418"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 125402418; 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$(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="125290365"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" href="https://www.academia.edu/125290365/Consumers_Preferences_Towards_Restaurants_Examining_Their_Homogeneity"><img alt="Research paper thumbnail of Consumers Preferences Towards Restaurants: Examining Their Homogeneity" class="work-thumbnail" src="https://attachments.academia-assets.com/119361179/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/125290365/Consumers_Preferences_Towards_Restaurants_Examining_Their_Homogeneity">Consumers Preferences Towards Restaurants: Examining Their Homogeneity</a></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">The reverberations of rapidly growing Indian economy are being observed in lifestyle of consumers...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">The reverberations of rapidly growing Indian economy are being observed in lifestyle of consumers in India. The number of people dining at restaurants is rising as more women are working outside the home, busier lifestyles and more disposable income. The present paper attempts to analyze Indian consumers&#39; preferences towards restaurants with the help of survey conducted outside the restaurants (usable surveys 370) and segments them on the basis of these preferences. The findings of this study suggest how preferences of consumers converge and their relative positions in dealing with extrinsic and intrinsic cues. The study proposes ten factors that evolve out of responses of consumers towards 36 variables that a consumer normally faces. The study advocates three segments of consumers visiting restaurant viz. “deal seekers”, “preference seekers” and, “experience seekers”, based on their preferences. The outcome of the study carries implications for researchers and entrepreneurs.</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="4c305092d3fe943806f71108d9211d15" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":119361179,"asset_id":125290365,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/119361179/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="125290365"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="125290365"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 125290365; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=125290365]").text(description); $(".js-view-count[data-work-id=125290365]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 125290365; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='125290365']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (true){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "4c305092d3fe943806f71108d9211d15" } } $('.js-work-strip[data-work-id=125290365]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":125290365,"title":"Consumers Preferences Towards Restaurants: Examining Their Homogeneity","internal_url":"https://www.academia.edu/125290365/Consumers_Preferences_Towards_Restaurants_Examining_Their_Homogeneity","owner_id":26753192,"coauthors_can_edit":true,"owner":{"id":26753192,"first_name":"Dr Dhiraj","middle_initials":null,"last_name":"Sharma","page_name":"DrDhirajSharma","domain_name":"punjabiuniversitypatiala","created_at":"2015-02-24T19:19:24.130-08:00","display_name":"Dr Dhiraj Sharma","url":"https://punjabiuniversitypatiala.academia.edu/DrDhirajSharma"},"attachments":[{"id":119361179,"title":"","file_type":"pdf","scribd_thumbnail_url":"https://attachments.academia-assets.com/119361179/thumbnails/1.jpg","file_name":"ap_2009_vol8_94.pdf","download_url":"https://www.academia.edu/attachments/119361179/download_file","bulk_download_file_name":"Consumers_Preferences_Towards_Restaurant.pdf","bulk_download_url":"https://d1wqtxts1xzle7.cloudfront.net/119361179/ap_2009_vol8_94-libre.pdf?1730791857=\u0026response-content-disposition=attachment%3B+filename%3DConsumers_Preferences_Towards_Restaurant.pdf\u0026Expires=1738958740\u0026Signature=S69mvV9hB3bkFFIWsNZb5qPYf99f85c1ewFyHLkkH-X2E-IXIIUQeXfhwwvdA7SMHMx0aetRnGjsv3ujmmQrzkwXebq0Xtfe7cuRYDS~d1LrfTD~3kFNeI3ZhkQWbFg5EY4AavlooNydSImtyJQ3rCVIMM8abn37oc19aSi-j6tHDZ~lOoYdaMjSAm68NerP65amEObbahII36LiX7TJ2pssT3jbf6gUb2TdRv1LyfWu1u9hpypUQuuIqdTj25tbHxOdQkJF4CxXRXSrdC1iySRNePiY~m5zDReSjsEGzrEOjeRuRHGJGAzgv-SZPLu7u2YPCjKgMSvisk3Mvz9KVA__\u0026Key-Pair-Id=APKAJLOHF5GGSLRBV4ZA"}]}, dispatcherData: dispatcherData }); $(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="124373553"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" href="https://www.academia.edu/124373553/Risk_Management_Practices_in_the_Commercial_Banks_of_Ethiopia"><img alt="Research paper thumbnail of Risk Management Practices in the Commercial Banks of Ethiopia" class="work-thumbnail" src="https://attachments.academia-assets.com/118611745/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/124373553/Risk_Management_Practices_in_the_Commercial_Banks_of_Ethiopia">Risk Management Practices in the Commercial Banks of Ethiopia</a></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">The purpose of this study is to evaluate the degree to which the commercial banks in Ethiopia use...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">The purpose of this study is to evaluate the degree to which the commercial banks in Ethiopia use effective risk management practices. Data is collected from 112 respondents mainly from the risk managers, risk experts, and credit analysts that work in the 14 selected commercial banks. A standardized questionnaire is used which contains 51 statements with a 7 point Likert scale categorized into six aspects of risk management practices, namely: Risk Management Practices (RMPs) the dependent variable; Understanding risk and risk management (URRM); Risk Identification (RI); Risk Assessment and analysis (RAA); Risk Monitoring (RMO); and Credit Risk Analysis (CRA) – the independent variables. The study found that commercial banks in Ethiopia are somewhat efficient in managing their risks. A positive correlation is found between the</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="9513ee8449846cb41ca0344eee3ad0c9" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":118611745,"asset_id":124373553,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/118611745/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="124373553"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="124373553"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 124373553; 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dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "9513ee8449846cb41ca0344eee3ad0c9" } } $('.js-work-strip[data-work-id=124373553]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":124373553,"title":"Risk Management Practices in the Commercial Banks of Ethiopia","internal_url":"https://www.academia.edu/124373553/Risk_Management_Practices_in_the_Commercial_Banks_of_Ethiopia","owner_id":26753192,"coauthors_can_edit":true,"owner":{"id":26753192,"first_name":"Dr Dhiraj","middle_initials":null,"last_name":"Sharma","page_name":"DrDhirajSharma","domain_name":"punjabiuniversitypatiala","created_at":"2015-02-24T19:19:24.130-08:00","display_name":"Dr Dhiraj Sharma","url":"https://punjabiuniversitypatiala.academia.edu/DrDhirajSharma"},"attachments":[{"id":118611745,"title":"","file_type":"pdf","scribd_thumbnail_url":"https://attachments.academia-assets.com/118611745/thumbnails/1.jpg","file_name":"IJMRA-15284.pdf","download_url":"https://www.academia.edu/attachments/118611745/download_file","bulk_download_file_name":"Risk_Management_Practices_in_the_Commerc.pdf","bulk_download_url":"https://d1wqtxts1xzle7.cloudfront.net/118611745/IJMRA-15284-libre.pdf?1727929905=\u0026response-content-disposition=attachment%3B+filename%3DRisk_Management_Practices_in_the_Commerc.pdf\u0026Expires=1738958740\u0026Signature=M2UAj6e7GeEdkrjb-bmPztB7W1NOWNQ1Ej2slj7nPCRVx4ubcBvR7wZCD3D3eMG20Q4EJZH5uikWKxJf29P88PfWhM3SIVuX5vl-39cPeFDGm0UHbc68~3vCjeC5D3Tc3VWbfWOiXVo-lzxpNQiMlt5zlsAGy7WSsJ9LFtrZebZGh194YFaiTnVM6KRTSjY1j2xgV4dhG9CQ9zNX4M1FH5idUgFkZqt6nbAVsRladXzGNY0~oN0c~yfC8TU9XOLhtar5-MXVYiXzUpKXL3rROv~d8hunurpDYCzx~pi6H-kZBq6ti~1gSyhAAmuJSebbL5K8FQus6sfL5Ddiw0Lohw__\u0026Key-Pair-Id=APKAJLOHF5GGSLRBV4ZA"},{"id":118611746,"title":"","file_type":"pdf","scribd_thumbnail_url":"https://attachments.academia-assets.com/118611746/thumbnails/1.jpg","file_name":"IJMRA-15284.pdf","download_url":"https://www.academia.edu/attachments/118611746/download_file","bulk_download_file_name":"Risk_Management_Practices_in_the_Commerc.pdf","bulk_download_url":"https://d1wqtxts1xzle7.cloudfront.net/118611746/IJMRA-15284-libre.pdf?1727929906=\u0026response-content-disposition=attachment%3B+filename%3DRisk_Management_Practices_in_the_Commerc.pdf\u0026Expires=1738958740\u0026Signature=WyT5Z3bnpmeidlCpy84qoYA8sqOUHDp4epfSFpMnfI-20J8B2ACcnsdDE8maMPqfXZO0vzUt4Fag4x9f54bt-sAut5fZeVDwnzEvXYaXC4T~cWBg7-6ADVeK7ZjKUdPxdmEHK1g8Hc1jBuu8zGQhE0ZiEOAuiWM4fdj1bCfEHl439FwNOtjvuBrEgAYnNpOv1LQRAm6g2wBAgfi03g3ZQ02zN8a6M1rnRGRmhZbkKVdSMggSWfTC8ccgYUsnQPiU-oops3aeWpoWWYB-Izy1DYeLhWKwJxREw77RS-qWLS9q4aGx5XepDI2nqSO-0huaCTM7adttVpguOw-MP12z2A__\u0026Key-Pair-Id=APKAJLOHF5GGSLRBV4ZA"}]}, dispatcherData: dispatcherData }); $(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="124373540"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" href="https://www.academia.edu/124373540/Unified_Theory_of_Acceptance_and_use_of_Technology_Approach_on_Financial_Technology_Adoption_A_Review_of_Customers_Perspective"><img alt="Research paper thumbnail of Unified Theory of Acceptance and use of Technology Approach on Financial Technology Adoption: A Review of Customers' Perspective" class="work-thumbnail" src="https://attachments.academia-assets.com/118611741/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/124373540/Unified_Theory_of_Acceptance_and_use_of_Technology_Approach_on_Financial_Technology_Adoption_A_Review_of_Customers_Perspective">Unified Theory of Acceptance and use of Technology Approach on Financial Technology Adoption: A Review of Customers' Perspective</a></div><div class="wp-workCard_item"><span>Zenodo (CERN European Organization for Nuclear Research)</span><span>, Jul 31, 2023</span></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">Technology is a newly developed invention that has been made to work with financial operations an...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">Technology is a newly developed invention that has been made to work with financial operations and may support activities, including service delivery. Technology adoption may have various effects on the user, and a technology's success primarily relies on each user's willingness to adopt the new technology. Financial technologies are a means for revolutionizing financial organizations' operations. Due to the emergence of financial technology time and location of customers don't matter to get services. The author has identified 40 works of literature that have studied the adoption of technology and its influencing factors from different sources. The customer's intention to adopt technology is influenced by effort expectancy, performance expectancy, social influence, price value, hedonic motivation, habit, and facilitating conditions.</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="f167907975903045900ef6ef95f51c3f" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":118611741,"asset_id":124373540,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/118611741/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="124373540"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="124373540"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 124373540; 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$(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="113561204"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" href="https://www.academia.edu/113561204/Measuring_Employment_Experimental_Evidence_from_Urban_Ghana"><img alt="Research paper thumbnail of Measuring Employment: Experimental Evidence from Urban Ghana" class="work-thumbnail" src="https://attachments.academia-assets.com/110489383/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/113561204/Measuring_Employment_Experimental_Evidence_from_Urban_Ghana">Measuring Employment: Experimental Evidence from Urban Ghana</a></div><div class="wp-workCard_item"><span>The World Bank Economic Review</span><span>, 2020</span></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">Using a randomized survey experiment in urban Ghana, this paper demonstrates that the length of t...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">Using a randomized survey experiment in urban Ghana, this paper demonstrates that the length of the reference period and the interview modality (in-person or over the phone) affect how people respond in labor surveys, with impacts varying markedly by job type. Survey participants report significantly more self-employment spells when the reference period is shorter than the traditional one week, with the impacts concentrated among those in home-based and mobile self-employment. In contrast, the reference period has no impact on the incidence of wage-employment. The wage-employed do report working fewer days and hours when confronted with a shorter reference period. Finally, interviews conducted on the phone yield lower estimates of employment, hours worked, and days worked among the self-employed who are working from home or a mobile location as compared to in-person interviews.</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="e3dbd0b8b9b6478720355c9676d1dfed" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":110489383,"asset_id":113561204,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/110489383/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="113561204"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="113561204"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 113561204; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=113561204]").text(description); $(".js-view-count[data-work-id=113561204]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 113561204; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='113561204']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (true){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "e3dbd0b8b9b6478720355c9676d1dfed" } } $('.js-work-strip[data-work-id=113561204]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":113561204,"title":"Measuring Employment: Experimental Evidence from Urban Ghana","internal_url":"https://www.academia.edu/113561204/Measuring_Employment_Experimental_Evidence_from_Urban_Ghana","owner_id":26753192,"coauthors_can_edit":true,"owner":{"id":26753192,"first_name":"Dr Dhiraj","middle_initials":null,"last_name":"Sharma","page_name":"DrDhirajSharma","domain_name":"punjabiuniversitypatiala","created_at":"2015-02-24T19:19:24.130-08:00","display_name":"Dr Dhiraj Sharma","url":"https://punjabiuniversitypatiala.academia.edu/DrDhirajSharma"},"attachments":[{"id":110489383,"title":"","file_type":"pdf","scribd_thumbnail_url":"https://attachments.academia-assets.com/110489383/thumbnails/1.jpg","file_name":"Measuring-Employment-Experimental-Evidence-from-Urban-Ghana.pdf","download_url":"https://www.academia.edu/attachments/110489383/download_file","bulk_download_file_name":"Measuring_Employment_Experimental_Eviden.pdf","bulk_download_url":"https://d1wqtxts1xzle7.cloudfront.net/110489383/Measuring-Employment-Experimental-Evidence-from-Urban-Ghana-libre.pdf?1705378865=\u0026response-content-disposition=attachment%3B+filename%3DMeasuring_Employment_Experimental_Eviden.pdf\u0026Expires=1738958740\u0026Signature=SazuA6T1DGFNkvZe0nhSminW3w9I4gFP58kAUORiWQDEWMw7IX-~6tlhTbJRIK5vvU6BgWCWkRCMVUnjZtJVIB-Is0gKrRr5YtAhR7cJdYuvaZE~l4vw~-XV0YCE0eAs-MKBnQ4Uv5XiXu5BLjgP67XZSEBioYYTJ6UC4XDw-vvMnRVQC-nPfA0etnIOnv10Q7xt9TO5stxY3Ma-R0zPZkEqZGMVjTaKbi2WCRYZ-fZqY8DkNA31FOTBUW3pFbXN~fJ2xPgCy0af6FKJgb~PAZPeQSFCZLuVDSrXuFZ22F6ijmZtdHhchDBapFKvklA3wxkCG19QKCbI-t3I24fPlw__\u0026Key-Pair-Id=APKAJLOHF5GGSLRBV4ZA"}]}, dispatcherData: dispatcherData }); $(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="86976993"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" href="https://www.academia.edu/86976993/Does_technology_leads_to_better_financial_performance"><img alt="Research paper thumbnail of Does technology leads to better financial performance" class="work-thumbnail" src="https://attachments.academia-assets.com/91313688/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/86976993/Does_technology_leads_to_better_financial_performance">Does technology leads to better financial performance</a></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">It has been a matter of debate whether Technology provides better financial results and improves ...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">It has been a matter of debate whether Technology provides better financial results and improves productivity. The present paper attempts to study the inter-group comparison of financial performance of Indian banks by classifying the banks on the basis of usage of Technology. Further, for the purpose of temporal comparison, the period for the study has been divided into two parts, i. e. low technology induction period and high technology induction period. Findings of the paper show that the fully it oriented banks are financially better off than the partially it oriented banks. Moreover, the performance of almost all the banks under study has tremendously improved in the high technology induction period. However, for the Indian banking industry, the correlation between Technology induction and financial productivity is negative though statistically insignificant and low.</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="9e476e73647466e0d5648ed8508320fa" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":91313688,"asset_id":86976993,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/91313688/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="86976993"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="86976993"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 86976993; 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dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "9e476e73647466e0d5648ed8508320fa" } } $('.js-work-strip[data-work-id=86976993]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":86976993,"title":"Does technology leads to better financial performance","internal_url":"https://www.academia.edu/86976993/Does_technology_leads_to_better_financial_performance","owner_id":26753192,"coauthors_can_edit":true,"owner":{"id":26753192,"first_name":"Dr Dhiraj","middle_initials":null,"last_name":"Sharma","page_name":"DrDhirajSharma","domain_name":"punjabiuniversitypatiala","created_at":"2015-02-24T19:19:24.130-08:00","display_name":"Dr Dhiraj Sharma","url":"https://punjabiuniversitypatiala.academia.edu/DrDhirajSharma"},"attachments":[{"id":91313688,"title":"","file_type":"pdf","scribd_thumbnail_url":"https://attachments.academia-assets.com/91313688/thumbnails/1.jpg","file_name":"52483543.pdf","download_url":"https://www.academia.edu/attachments/91313688/download_file","bulk_download_file_name":"Does_technology_leads_to_better_financia.pdf","bulk_download_url":"https://d1wqtxts1xzle7.cloudfront.net/91313688/52483543-libre.pdf?1663702829=\u0026response-content-disposition=attachment%3B+filename%3DDoes_technology_leads_to_better_financia.pdf\u0026Expires=1738958740\u0026Signature=WqWjFvH-9yz-SMjsxFfw26I5VakUieO--rTK9FrwwC7RonD8iekBEwQoMJPdJg2hH5~jRL7-RHDUbgspamqY3XDH-OVRRNtdpsvCBayvRzSZx6965G1rVWHnGqckmsgitbRGHIA0DRTY4~lIBJR3YbkD0U6f22CwDc51j4zKrYz3CWF~Uc-Kb9JxQo2QDXFza2vElc6xkzbhuJi~5DN~wUFp8ZUWJiFWLvZN6LV814BJuPjZHmFZeITS4v4JJ3ih3YFb7JyHYfLR5KoAWSRYAWVuMCZPg7UAFs58RK7pghlu7wlEu3waGc15xEq-ALpyWVm77ImEsjRnoduRyIGvxA__\u0026Key-Pair-Id=APKAJLOHF5GGSLRBV4ZA"}]}, dispatcherData: dispatcherData }); $(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="82604314"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" href="https://www.academia.edu/82604314/A_Study_of_Telemedicine_in_Punjab_Scope_and_Challenges_in_Implementation"><img alt="Research paper thumbnail of A Study of Telemedicine in Punjab: Scope and Challenges in Implementation" class="work-thumbnail" src="https://attachments.academia-assets.com/88256340/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/82604314/A_Study_of_Telemedicine_in_Punjab_Scope_and_Challenges_in_Implementation">A Study of Telemedicine in Punjab: Scope and Challenges in Implementation</a></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">Telemedicine is becoming more familiar concept and provide a boom for Indian health care sector. ...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">Telemedicine is becoming more familiar concept and provide a boom for Indian health care sector. It has the ability to fill the gap between demand of healthcare services and supply of limited manpower and infrastructure in healthcare, especially for people residing in remote and rural areas. Punjab state is geographically and economically diversified. The state already has been passing through various problems such as rapidly increasing population, lack of sufficient transportation, illiteracy and low budget for healthcare. In such a scenario, the telemedicine has emerged as a life line to serve the people at large. The features like easy accessibility and highly economical are bagged into the merit list of telemedicine services. The present study aimed to access various government initiatives taken under telemedicine in Punjab and also to address the issues in implementation of telemedicine. The study has used both primary as well as secondary data to study the problem and to under...</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="44ccfee411db038a2b03fe88b2adbad1" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":88256340,"asset_id":82604314,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/88256340/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="82604314"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="82604314"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 82604314; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=82604314]").text(description); $(".js-view-count[data-work-id=82604314]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 82604314; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='82604314']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (true){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); 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$(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="82604302"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" href="https://www.academia.edu/82604302/Influence_of_Demographic_Factors_on_Users_Adoption_of_Electronic_Banking_in_Ethiopia"><img alt="Research paper thumbnail of Influence of Demographic Factors on Users' Adoption of Electronic Banking in Ethiopia" class="work-thumbnail" src="https://attachments.academia-assets.com/88256336/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/82604302/Influence_of_Demographic_Factors_on_Users_Adoption_of_Electronic_Banking_in_Ethiopia">Influence of Demographic Factors on Users' Adoption of Electronic Banking in Ethiopia</a></div><div class="wp-workCard_item"><span>The Journal of Internet Banking and Commerce</span><span>, 2017</span></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">Purpose: Regardless of the fact that the influence of demographic factors on users&#39; adoption ...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">Purpose: Regardless of the fact that the influence of demographic factors on users&#39; adoption or usage behavior of e-banking channels for banking transactions have been intensively examined by studies carried out mostly in the developed countries, this area is not well studied in the developing countries especially in Ethiopia. Therefore, the main objective of this study is to investigate the influence of demographic factors on users&#39; adoption of e-banking systems in Ethiopia from the current users&#39; perspective. Research Methodology: Descriptive type of research was applied for this study. A total of 600 users&#39; of e-banking services were used as a sample survey from those commercial banks that are using e-banking systems as a means of banking service provision in Addis Ababa, Ethiopia. A well-structured and randomly administered questionnaire was used to collect the relevant information from those customers who are using at least one form of e-banking systems. Intervi...</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="3dba301d3fbf70871373ac5d57befaac" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":88256336,"asset_id":82604302,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/88256336/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="82604302"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="82604302"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 82604302; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=82604302]").text(description); $(".js-view-count[data-work-id=82604302]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 82604302; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='82604302']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (true){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); 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$(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="82604280"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" href="https://www.academia.edu/82604280/Determinants_of_Bank_Customer%C3%A3_%C3%A2%C3%A2s_Intention_to_Adopt_Electronic_Finance_Technologies_in_Ethiopia_An_Integration_of_Tam_with_Financial_Risk_Financial_Trust_and_Awareness"><img alt="Research paper thumbnail of Determinants of Bank Customerã¢ââs Intention to Adopt Electronic Finance Technologies in Ethiopia: An Integration of Tam with Financial Risk, Financial Trust, and Awareness" class="work-thumbnail" src="https://attachments.academia-assets.com/88256312/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/82604280/Determinants_of_Bank_Customer%C3%A3_%C3%A2%C3%A2s_Intention_to_Adopt_Electronic_Finance_Technologies_in_Ethiopia_An_Integration_of_Tam_with_Financial_Risk_Financial_Trust_and_Awareness">Determinants of Bank Customerã¢ââs Intention to Adopt Electronic Finance Technologies in Ethiopia: An Integration of Tam with Financial Risk, Financial Trust, and Awareness</a></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">Banking industries in developing countries like Ethiopia in Africa highly committed to invest hug...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">Banking industries in developing countries like Ethiopia in Africa highly committed to invest huge capital for introducing new e-finance technologies and training their professional employees. However, the adoption feedback from their customer’s side is still passive and challenged by many factors. This study was aimed to investigate factors that determine bank customer’s intention to adopt electronic financial technologies in Ethiopia. The original TAM model was used that constructed with perceived financial trust, perceived financial risk, subjective norm and awareness as exogenous factors that predict bank customer’s intention to adopt the technologies. Self-administered questioner was used for data collected from 412 bank customers and the exploratory factor analysis (EFA) and CFA confirmed data was internally consistent enough to measure each factor. The finding of the study shows perceived ease of use, perceived usefulness, perceived financial trust, subjective norm and awaren...</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="67f718e89f5419c5e5879d3c509cce59" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":88256312,"asset_id":82604280,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/88256312/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="82604280"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="82604280"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 82604280; 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$(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="82570194"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" href="https://www.academia.edu/82570194/Technostress_and_Personality_Traits_Are_they_Associated_Evidence_from_Indian_Bankers"><img alt="Research paper thumbnail of Technostress and Personality Traits – Are they Associated? – Evidence from Indian Bankers" class="work-thumbnail" src="https://attachments.academia-assets.com/88237537/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/82570194/Technostress_and_Personality_Traits_Are_they_Associated_Evidence_from_Indian_Bankers">Technostress and Personality Traits – Are they Associated? – Evidence from Indian Bankers</a></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">The technology usage which mostly results in technostress varies from person to person. This expl...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">The technology usage which mostly results in technostress varies from person to person. This explains the importance of personality traits which leads to different capabilities of coping up with strain experienced by extensive technology use. The change in the technology used at workplace is inevitable; therefore it is necessary to train bank employees on the basis of their customized needs. For this, study of personality is required to be assessed, so that the resistance towards the technology change can be minimized. The results are based on both primary and secondary mode of research study. Six hundred respondents were interviewed through questionnaire from various public, private, SBI & Associates and foreign sector banks in Punjab and Haryana.The present study is conducted on the basis of the NEO-PIR scale given by Paul T. Costa and Robert and the relation of personality traits like neuroticism, extroversion, conscientiousness, agreeableness and openness etc. with strain experi...</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="7a9862f33704292d5974151d79d2c508" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":88237537,"asset_id":82570194,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/88237537/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="82570194"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="82570194"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 82570194; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=82570194]").text(description); $(".js-view-count[data-work-id=82570194]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 82570194; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='82570194']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (true){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "7a9862f33704292d5974151d79d2c508" } } $('.js-work-strip[data-work-id=82570194]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":82570194,"title":"Technostress and Personality Traits – Are they Associated? 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A Study of Indian Commercial Banks" class="work-thumbnail" src="https://attachments.academia-assets.com/84271167/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/76623566/Does_Technology_Lead_to_Better_Financial_Performance_A_Study_of_Indian_Commercial_Banks">Does Technology Lead to Better Financial Performance? A Study of Indian Commercial Banks</a></div><div class="wp-workCard_item"><span>Managing global transitions</span><span>, 2012</span></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">It has been a matter of debate whether Technology provides better financial results and improves ...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">It has been a matter of debate whether Technology provides better financial results and improves productivity. The present paper attempts to study the inter-group comparison of financial performance of Indian banks by classifying the banks on the basis of usage of Technology. Further, for the purpose of temporal comparison, the period for the study has been divided into two parts, i. e. low technology induction period and high technology induction period. Findings of the paper show that the fully IT oriented banks are financially better off than the partially IT oriented banks. Moreover, the performance of almost all the banks under study has tremendously improved in the high technology induction period. However, for the Indian banking industry, the correlation between Technology induction and financial productivity is negative though statistically insignificant and low.</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="a01766ab217ceacc732d33c783913a1c" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":84271167,"asset_id":76623566,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/84271167/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="76623566"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="76623566"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 76623566; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=76623566]").text(description); $(".js-view-count[data-work-id=76623566]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 76623566; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='76623566']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (true){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "a01766ab217ceacc732d33c783913a1c" } } $('.js-work-strip[data-work-id=76623566]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":76623566,"title":"Does Technology Lead to Better Financial Performance? 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A Study of Indian Commercial" class="work-thumbnail" src="https://attachments.academia-assets.com/79833565/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/69921269/Does_Technology_Lead_to_Better_Financial_Performance_A_Study_of_Indian_Commercial">Does Technology Lead to Better Financial Performance? A Study of Indian Commercial</a></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">It has been a matter of debate whether Technology provides better fi-nancial results and improves...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">It has been a matter of debate whether Technology provides better fi-nancial results and improves productivity. The present paper attempts to study the inter-group comparison of financial performance of Indian banks by classifying the banks on the basis of usage of Technology. Fur-ther, for the purpose of temporal comparison, the period for the study has been divided into two parts, i. e. low technology induction period and high technology induction period. Findings of the paper show that the fully it oriented banks are financially better off than the partially it oriented banks. Moreover, the performance of almost all the banks under study has tremendously improved in the high technology induc-tion period. However, for the Indian banking industry, the correlation between Technology induction and financial productivity is negative though statistically insignificant and low. Key Words: it productivity paradox, information technology, financial performance, indian banks, spread and bu...</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="19c829298bc89818499de0e07c18263a" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":79833565,"asset_id":69921269,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/79833565/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="69921269"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="69921269"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 69921269; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=69921269]").text(description); $(".js-view-count[data-work-id=69921269]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 69921269; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='69921269']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (true){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "19c829298bc89818499de0e07c18263a" } } $('.js-work-strip[data-work-id=69921269]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":69921269,"title":"Does Technology Lead to Better Financial Performance? 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An Evidence from India" class="work-thumbnail" src="https://attachments.academia-assets.com/78526707/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/67837041/Does_Credit_Utilization_Pattern_Promote_Poverty_Alleviation_An_Evidence_from_India">Does Credit Utilization Pattern Promote Poverty Alleviation? An Evidence from India</a></div><div class="wp-workCard_item wp-workCard--coauthors"><span>by </span><span><a class="" data-click-track="profile-work-strip-authors" href="https://icssr.academia.edu/JaskiratSingh">Jaskirat Singh</a> and <a class="" data-click-track="profile-work-strip-authors" href="https://punjabiuniversitypatiala.academia.edu/DrDhirajSharma">Dr Dhiraj Sharma</a></span></div><div class="wp-workCard_item"><span>Global Business Review</span><span>, 2020</span></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">Government of India has introduced various schemes for the uplift of the deprived section of the ...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">Government of India has introduced various schemes for the uplift of the deprived section of the urban poor. As a result, the proportion of India's poor with respect to total population has dropped in both urban and rural areas, but then again, the absolute number of the urban poor is growing. Therefore, this article tries to analyse the utilization pattern of credit availed through various credit expansion avenues by the urban poor households, thereafter examining its impact on poverty alleviation at different levels. Snowball sampling method was used to collect data from 598 respondents living in the most populous cities of Punjab and the union territory (UT) of Chandigarh using the references of registered deprived urban poor, who are continuously being recorded and monitored by top non-governmental organizations (NGOs) and banks. Apart from descriptive statistics, exploratory factor analysis was used to categorize the utilization pattern and poverty alleviation dimensions into the valid factors. Finally, structural equation modelling (SEM) was employed to test the proposed hypothesis. The study found that the productive utilization of credit availed by the Economic Weaker Section (EWS) of the urban poor through various government credit schemes is highly associated with poverty alleviation at individual level (b = 0.55 and p = 0.000) followed by that at regional (b = 0.29 and p = 0.009) and community levels (b = 0.18, and p = 0.001). Social structure of the families is found to be an important deciding factor in how productively a household channelizes its loan amount or grants to move out of poverty and to become self-reliant. The article is limited to only government-backed credit expansion schemes for the EWS of the urban poor residing in the most populous areas of Punjab and Chandigarh. The development of the evaluation model is expected to lead towards better implementation of government credit schemes for the EWS of the urban poor, which would be practically helpful in policymaking. Also, the development of suggestive measures is expected to complement effective, efficient and more cohesive implementation of government schemes for the urban poor, which would be socially more sustainable. With policy emphasis in recent times for the urban poor, the topic is of utmost importance for research.</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="7c0e0646f0c7eb6282e606add857a8e6" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":78526707,"asset_id":67837041,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/78526707/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="67837041"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="67837041"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 67837041; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=67837041]").text(description); $(".js-view-count[data-work-id=67837041]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 67837041; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='67837041']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (true){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "7c0e0646f0c7eb6282e606add857a8e6" } } $('.js-work-strip[data-work-id=67837041]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":67837041,"title":"Does Credit Utilization Pattern Promote Poverty Alleviation? 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$(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="52168690"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" rel="nofollow" href="https://www.academia.edu/52168690/Efficiency_of_Ethiopian_commercial_banks_using_data_envelopment_analysis"><img alt="Research paper thumbnail of Efficiency of Ethiopian commercial banks: using data envelopment analysis" class="work-thumbnail" src="https://a.academia-assets.com/images/blank-paper.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" rel="nofollow" href="https://www.academia.edu/52168690/Efficiency_of_Ethiopian_commercial_banks_using_data_envelopment_analysis">Efficiency of Ethiopian commercial banks: using data envelopment analysis</a></div><div class="wp-workCard_item"><span>American J. of Finance and Accounting</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="52168690"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="52168690"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 52168690; 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dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "-1" } } $('.js-work-strip[data-work-id=52168690]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":52168690,"title":"Efficiency of Ethiopian commercial banks: using data envelopment analysis","internal_url":"https://www.academia.edu/52168690/Efficiency_of_Ethiopian_commercial_banks_using_data_envelopment_analysis","owner_id":26753192,"coauthors_can_edit":true,"owner":{"id":26753192,"first_name":"Dr Dhiraj","middle_initials":null,"last_name":"Sharma","page_name":"DrDhirajSharma","domain_name":"punjabiuniversitypatiala","created_at":"2015-02-24T19:19:24.130-08:00","display_name":"Dr Dhiraj Sharma","url":"https://punjabiuniversitypatiala.academia.edu/DrDhirajSharma"},"attachments":[]}, dispatcherData: dispatcherData }); $(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="52168689"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" rel="nofollow" href="https://www.academia.edu/52168689/Internet_of_Things_and_Banking_Frauds_Friends_or_Foes_A_Study_of_Indian_Public_and_Private_Sector_Banks"><img alt="Research paper thumbnail of Internet of Things and Banking Frauds-Friends or Foes? A Study of Indian Public and Private Sector Banks" class="work-thumbnail" src="https://a.academia-assets.com/images/blank-paper.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" rel="nofollow" href="https://www.academia.edu/52168689/Internet_of_Things_and_Banking_Frauds_Friends_or_Foes_A_Study_of_Indian_Public_and_Private_Sector_Banks">Internet of Things and Banking Frauds-Friends or Foes? A Study of Indian Public and Private Sector Banks</a></div><div class="wp-workCard_item"><span>Journal of Computational and Theoretical Nanoscience</span></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">Ever since the introduction of banking business in this complex structure of human living, banks ...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">Ever since the introduction of banking business in this complex structure of human living, banks are believed to be one of the institutions which are recommended for trustworthiness and treasure repositories for the general public. These are the institutions which were and are still trusted for their veracity by the civilians of every nation. However, with the passage of time the increase in the technology results in the virtue of banking organization which seems to be under a big question mark and the main reason of this integrity loss of banking organizations in the present era is an epidemic known as fraud. Moreover, bank frauds are one of the crucial areas to be resolved from the angle of internet of things which includes many of the technological loopholes. Therefore, the present study aims to provide an appropriate solution to the problem of fraud in the present scenario of increasing trends of Internet of things in the banking industry especially in Indian context. The study ...</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="52168689"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="52168689"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 52168689; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=52168689]").text(description); $(".js-view-count[data-work-id=52168689]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 52168689; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='52168689']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (false){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "-1" } } $('.js-work-strip[data-work-id=52168689]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":52168689,"title":"Internet of Things and Banking Frauds-Friends or Foes? A Study of Indian Public and Private Sector Banks","internal_url":"https://www.academia.edu/52168689/Internet_of_Things_and_Banking_Frauds_Friends_or_Foes_A_Study_of_Indian_Public_and_Private_Sector_Banks","owner_id":26753192,"coauthors_can_edit":true,"owner":{"id":26753192,"first_name":"Dr Dhiraj","middle_initials":null,"last_name":"Sharma","page_name":"DrDhirajSharma","domain_name":"punjabiuniversitypatiala","created_at":"2015-02-24T19:19:24.130-08:00","display_name":"Dr Dhiraj Sharma","url":"https://punjabiuniversitypatiala.academia.edu/DrDhirajSharma"},"attachments":[]}, dispatcherData: dispatcherData }); $(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="52168688"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" rel="nofollow" href="https://www.academia.edu/52168688/Does_Credit_Utilization_Pattern_Promote_Poverty_Alleviation_An_Evidence_from_India"><img alt="Research paper thumbnail of Does Credit Utilization Pattern Promote Poverty Alleviation? An Evidence from India" class="work-thumbnail" src="https://a.academia-assets.com/images/blank-paper.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" rel="nofollow" href="https://www.academia.edu/52168688/Does_Credit_Utilization_Pattern_Promote_Poverty_Alleviation_An_Evidence_from_India">Does Credit Utilization Pattern Promote Poverty Alleviation? An Evidence from India</a></div><div class="wp-workCard_item"><span>Global Business Review</span></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">Government of India has introduced various schemes for the uplift of the deprived section of the ...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">Government of India has introduced various schemes for the uplift of the deprived section of the urban poor. As a result, the proportion of India’s poor with respect to total population has dropped in both urban and rural areas, but then again, the absolute number of the urban poor is growing. Therefore, this article tries to analyse the utilization pattern of credit availed through various credit expansion avenues by the urban poor households, thereafter examining its impact on poverty alleviation at different levels. Snowball sampling method was used to collect data from 598 respondents living in the most populous cities of Punjab and the union territory (UT) of Chandigarh using the references of registered deprived urban poor, who are continuously being recorded and monitored by top non-governmental organizations (NGOs) and banks. Apart from descriptive statistics, exploratory factor analysis was used to categorize the utilization pattern and poverty alleviation dimensions into t...</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="52168688"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="52168688"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 52168688; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=52168688]").text(description); $(".js-view-count[data-work-id=52168688]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 52168688; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='52168688']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (false){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "-1" } } $('.js-work-strip[data-work-id=52168688]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":52168688,"title":"Does Credit Utilization Pattern Promote Poverty Alleviation? 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</script> <div class="js-work-strip profile--work_container" data-work-id="52168686"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" rel="nofollow" href="https://www.academia.edu/52168686/The_Effect_of_e_Finance_Service_Quality_on_Bank_Customers_Fintech_e_Loyalty"><img alt="Research paper thumbnail of The Effect of e-Finance Service Quality on Bank Customers' Fintech e-Loyalty" class="work-thumbnail" src="https://a.academia-assets.com/images/blank-paper.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" rel="nofollow" href="https://www.academia.edu/52168686/The_Effect_of_e_Finance_Service_Quality_on_Bank_Customers_Fintech_e_Loyalty">The Effect of e-Finance Service Quality on Bank Customers' Fintech e-Loyalty</a></div><div class="wp-workCard_item"><span>International Journal of E-Business Research</span></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">The expansion of information communication technology (ICT) significantly influences organization...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">The expansion of information communication technology (ICT) significantly influences organizations service delivering culture. The financial institutions, particularly the banking industry are one of the major sectors that invests large amount of capital for introducing new technologies. E-finance is one of the technology channels that bankers introduced to their customers to access financial services. Therefore, this study was aimed to study the effect of e-finance service quality on bank customers&#39; fintech loyalty of using the e-finance services in future. Primary data was collected from 412 bank customers and it was analyzed using the structural equation model (SEM) through AMOS. The result revealed that both in normal operations of e-finance service and recovery services, the quality of service positively influences bank customers&#39; satisfaction and their e-loyalty.</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="52168686"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="52168686"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 52168686; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=52168686]").text(description); $(".js-view-count[data-work-id=52168686]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 52168686; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='52168686']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (false){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "-1" } } $('.js-work-strip[data-work-id=52168686]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":52168686,"title":"The Effect of e-Finance Service Quality on Bank Customers' Fintech e-Loyalty","internal_url":"https://www.academia.edu/52168686/The_Effect_of_e_Finance_Service_Quality_on_Bank_Customers_Fintech_e_Loyalty","owner_id":26753192,"coauthors_can_edit":true,"owner":{"id":26753192,"first_name":"Dr Dhiraj","middle_initials":null,"last_name":"Sharma","page_name":"DrDhirajSharma","domain_name":"punjabiuniversitypatiala","created_at":"2015-02-24T19:19:24.130-08:00","display_name":"Dr Dhiraj Sharma","url":"https://punjabiuniversitypatiala.academia.edu/DrDhirajSharma"},"attachments":[]}, dispatcherData: dispatcherData }); $(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="52168685"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" href="https://www.academia.edu/52168685/Inflationary_Trends_in_India_A_Pre_and_Post_Reform_Study"><img alt="Research paper thumbnail of Inflationary Trends in India: A Pre and Post Reform Study" class="work-thumbnail" src="https://attachments.academia-assets.com/69557995/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/52168685/Inflationary_Trends_in_India_A_Pre_and_Post_Reform_Study">Inflationary Trends in India: A Pre and Post Reform Study</a></div><div class="wp-workCard_item"><span>Journal of Technology Management for Growing Economies</span></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">The present paper attempts to explore the nature, trends and patterns of inflation in India durin...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">The present paper attempts to explore the nature, trends and patterns of inflation in India during 1980-2016. The selected time period has been trifurcated purposively into three-time spans namely, pre-reform period (1980-90), after reform period (1991-2000) and subsequent period (2001-16). The endeavour of the paper is to examine the dynamics of inflation over the three-time spans from 1980-2016 in the Indian economy. It has been found that the inflation, based on WPI and CPI, is continuously rising since 1980. Up to 1995, the trend in CPI and WPI were same and there was no significant difference between them. However, after 1995, CPI has recorded larger growth as compared to WPI. Such trend has also continued in the subsequent period. The study reveals that this trend may be attributed to change in the composition of WPI and CPI since weights of primary articles have declined in WPI whereas such weights have registered a considerable increase in the categories of manufacturing, fu...</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="50df4f4b4c43de101ce07f5b6263c220" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":69557995,"asset_id":52168685,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/69557995/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="52168685"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="52168685"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 52168685; 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dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "50df4f4b4c43de101ce07f5b6263c220" } } $('.js-work-strip[data-work-id=52168685]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":52168685,"title":"Inflationary Trends in India: A Pre and Post Reform Study","internal_url":"https://www.academia.edu/52168685/Inflationary_Trends_in_India_A_Pre_and_Post_Reform_Study","owner_id":26753192,"coauthors_can_edit":true,"owner":{"id":26753192,"first_name":"Dr Dhiraj","middle_initials":null,"last_name":"Sharma","page_name":"DrDhirajSharma","domain_name":"punjabiuniversitypatiala","created_at":"2015-02-24T19:19:24.130-08:00","display_name":"Dr Dhiraj Sharma","url":"https://punjabiuniversitypatiala.academia.edu/DrDhirajSharma"},"attachments":[{"id":69557995,"title":"","file_type":"pdf","scribd_thumbnail_url":"https://attachments.academia-assets.com/69557995/thumbnails/1.jpg","file_name":"2.pdf","download_url":"https://www.academia.edu/attachments/69557995/download_file","bulk_download_file_name":"Inflationary_Trends_in_India_A_Pre_and_P.pdf","bulk_download_url":"https://d1wqtxts1xzle7.cloudfront.net/69557995/2-libre.pdf?1631551894=\u0026response-content-disposition=attachment%3B+filename%3DInflationary_Trends_in_India_A_Pre_and_P.pdf\u0026Expires=1738958741\u0026Signature=LjfByvyrYlxZyQNG8tTmp41P1vPtYDLlpHvx452uAPzIwdQ2VkEkAJCgZ1rf7kSyv-12qgCKINbwfpS4RWV5ResfDbp0PcPBRGcunih3cVwihmHA2nzhplZptODOfAkLFfP5ocgguyk9KUuiooNgjyw8JX4bMNLnyxLHOvIt-O4yIzOW9zj0OpY2cIAx6UKNdM6YfGYnNXgDzKsoLvLo9HFJQBsJqUnXiEHVxsG4JaZLo2wAZ4yxMuxlqFc7RA5aeOqw15g2FhNeFd3l3lJ2tsLsJsxN8PzsDGZ2ywF8pVolQcdTMXBMRaZjylEQsr2hPR~nzPJrRYaZiH3ujB7h9Q__\u0026Key-Pair-Id=APKAJLOHF5GGSLRBV4ZA"},{"id":69557994,"title":"","file_type":"pdf","scribd_thumbnail_url":"https://attachments.academia-assets.com/69557994/thumbnails/1.jpg","file_name":"2.pdf","download_url":"https://www.academia.edu/attachments/69557994/download_file","bulk_download_file_name":"Inflationary_Trends_in_India_A_Pre_and_P.pdf","bulk_download_url":"https://d1wqtxts1xzle7.cloudfront.net/69557994/2-libre.pdf?1631551894=\u0026response-content-disposition=attachment%3B+filename%3DInflationary_Trends_in_India_A_Pre_and_P.pdf\u0026Expires=1738958741\u0026Signature=eOYSzR2CjU1rUrrH1vFBLuHOTQHu7xmT1ZT1OB6qQwtZ1NU4QBWvNwGWwZCmoc7Fi80dHTmjgAVNriXnrefMBLW2pl10WVS23oToYUwfTqA8Dq6FfHIoGehmye-tkEG11rqf9SmhKJjlvGculrXzTnE-ZF9tXp-hLJBO8iUsuP69nJP-b84MSe4KLl1sDZCnO6RHIYMKAkjN4nXvxSgYLPetG72tO7wFVMLCObdivbTH8~NiAcme4yv~g5EUAQnAU7qxxCfgppvbTfrxeyKuIOzy9981vmoT1L3-NdmrmHXRzqnff86LU2hkkp2dk~MAl8fMeNmcNcaZMgPFiww7Fg__\u0026Key-Pair-Id=APKAJLOHF5GGSLRBV4ZA"}]}, dispatcherData: dispatcherData }); $(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="52168684"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" href="https://www.academia.edu/52168684/Rising_Toll_of_Frauds_in_Banking_A_Threat_for_the_Indian_Economy"><img alt="Research paper thumbnail of Rising Toll of Frauds in Banking: A Threat for the Indian Economy" class="work-thumbnail" src="https://attachments.academia-assets.com/69557992/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/52168684/Rising_Toll_of_Frauds_in_Banking_A_Threat_for_the_Indian_Economy">Rising Toll of Frauds in Banking: A Threat for the Indian Economy</a></div><div class="wp-workCard_item"><span>Journal of Technology Management for Growing Economies</span></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">Banking is a process which predicts the relationship between sources of funds and their applicati...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">Banking is a process which predicts the relationship between sources of funds and their application. The basic process of banking helps the society to bridge the gap between availability and usage of these available funds in a correct manner. Over the years the banks have developed in a very big way, and with the growth of banking business, banking frauds have taken birth. The history of banking frauds is almost as old as the banking startup. Today, bank frauds have taken all possible forms and are prevalent in every facet of banking. There is a spirited need for banks to always stay alive to threat of frauds, build strong systems that can shield, pre-empt frauds, continuously monitor and review the efficiency of such preventive systems. To succeed in controlling frauds, banks need to be proactive and pre-emptive. This study establishes a theoretical framework with regards to banking frauds in the Indian context as well as shows the picture of frauds in banking sector outside India....</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="ec01cca7ba72915a09ef299e9b9ee070" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":69557992,"asset_id":52168684,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/69557992/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="52168684"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="52168684"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 52168684; 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dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "ec01cca7ba72915a09ef299e9b9ee070" } } $('.js-work-strip[data-work-id=52168684]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":52168684,"title":"Rising Toll of Frauds in Banking: A Threat for the Indian Economy","internal_url":"https://www.academia.edu/52168684/Rising_Toll_of_Frauds_in_Banking_A_Threat_for_the_Indian_Economy","owner_id":26753192,"coauthors_can_edit":true,"owner":{"id":26753192,"first_name":"Dr Dhiraj","middle_initials":null,"last_name":"Sharma","page_name":"DrDhirajSharma","domain_name":"punjabiuniversitypatiala","created_at":"2015-02-24T19:19:24.130-08:00","display_name":"Dr Dhiraj Sharma","url":"https://punjabiuniversitypatiala.academia.edu/DrDhirajSharma"},"attachments":[{"id":69557992,"title":"","file_type":"pdf","scribd_thumbnail_url":"https://attachments.academia-assets.com/69557992/thumbnails/1.jpg","file_name":"7.pdf","download_url":"https://www.academia.edu/attachments/69557992/download_file","bulk_download_file_name":"Rising_Toll_of_Frauds_in_Banking_A_Threa.pdf","bulk_download_url":"https://d1wqtxts1xzle7.cloudfront.net/69557992/7-libre.pdf?1631551896=\u0026response-content-disposition=attachment%3B+filename%3DRising_Toll_of_Frauds_in_Banking_A_Threa.pdf\u0026Expires=1738958741\u0026Signature=D-XWo1rcJypnTQCBp~La6iFkU79ER031zJx6uVYhQ~tHnsw-4482uB6kGjYSu3D0P~0-5vUt5zXQkMqz8yReZUkNiPNUYeURDogGmXDCk3wPxAUtzl5SWYq01y70dC6lsKmNsLdD9kSLxQ5jg~XQXCVIHvy9aWbvkHdmJ~v5f8b4s8NTSQwyCPh0NYj-HdLY3xM~0JtiCVrlKO~37Xbb8GvY4waHYALNp9fUn30ZRfLYyclfD1OX5sO-92o1AmRRzqQ2O94PV8IDPhN-2kNc9hTRjGktCc0Z~qzCvK4nwqSKoHS4EUK6aEmCM6sdSf3XC6zlj5dVm6lyLnmRNpKRgg__\u0026Key-Pair-Id=APKAJLOHF5GGSLRBV4ZA"},{"id":69557993,"title":"","file_type":"pdf","scribd_thumbnail_url":"https://attachments.academia-assets.com/69557993/thumbnails/1.jpg","file_name":"7.pdf","download_url":"https://www.academia.edu/attachments/69557993/download_file","bulk_download_file_name":"Rising_Toll_of_Frauds_in_Banking_A_Threa.pdf","bulk_download_url":"https://d1wqtxts1xzle7.cloudfront.net/69557993/7-libre.pdf?1631551896=\u0026response-content-disposition=attachment%3B+filename%3DRising_Toll_of_Frauds_in_Banking_A_Threa.pdf\u0026Expires=1738958741\u0026Signature=Rfj~c~L7e0r7R3eZZzmbfwUXATaKJIlHVx2TlEMX5GWPVzB10lkIlTg3DklAgLe0ynTVRMJZRihinR1xeWQqf2RI559ockclaGnxaNmPk74YwrBj78leRKgSQ~Y40UrFDZOUgrZ9sfU3PD5SytdI4O2cEjCmDKmqG3pmeFkjs-lzoHBr5WiMi9ND5VjUyP80F2s~bf0zlOpbwjVcbIu97Px70ktJ5hprCDmBKvdT0nXXzHNpU49g3ee9MCQt50qalywnCBWeido-TVDhHa1fT-IGf2ANxAO90wL1x5re2qsmIO-2ZCfsJPxFxdrjACuhZLOnakRu4H9ajJo-jX-iMA__\u0026Key-Pair-Id=APKAJLOHF5GGSLRBV4ZA"}]}, dispatcherData: dispatcherData }); $(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> </div><div class="profile--tab_content_container js-tab-pane tab-pane" data-section-id="2628627" id="papers"><div class="js-work-strip profile--work_container" data-work-id="125402418"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" href="https://www.academia.edu/125402418/Elucidation_of_Dividend_Payout_Determinants_on_Manufacturing_Companies_A_Systematic_ReviewJ"><img alt="Research paper thumbnail of Elucidation of Dividend Payout Determinants on Manufacturing Companies A Systematic ReviewJ" class="work-thumbnail" src="https://attachments.academia-assets.com/119452517/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/125402418/Elucidation_of_Dividend_Payout_Determinants_on_Manufacturing_Companies_A_Systematic_ReviewJ">Elucidation of Dividend Payout Determinants on Manufacturing Companies A Systematic ReviewJ</a></div><div class="wp-workCard_item wp-workCard--coauthors"><span>by </span><span><a class="" data-click-track="profile-work-strip-authors" href="https://independent.academia.edu/IdrisAli47">Idris Ali Yimer</a> and <a class="" data-click-track="profile-work-strip-authors" href="https://punjabiuniversitypatiala.academia.edu/DrDhirajSharma">Dr Dhiraj Sharma</a></span></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">Controversy issues in dividend policy have not been solved so far in modern corporate finance. Di...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">Controversy issues in dividend policy have not been solved so far in modern corporate finance. Dividend payout is a puzzle in the contemporary financing system, as it was a traditional puzzle. Besides, conflict of interest between shareholders and managers of the corporation leads to a dramatic approach in the recent business environment. The main objective of this review was to identify and elucidate dividend payout determinants in manufacturing companies. Manufacturing is an industry that often uses manual labour or machinery to create goods from raw materials. Manufacturing industries include metal, automotive, electronics, textile, chemical, food and beverage, and so on sectors. This review carried out from 2004 to 2022 published studies in indexed journals. The review has assessed 62 journals with different databases through a vigilant review process concretely. The journals have been selected and systematically elucidated as relevant to the subject matter. The review depicts that dividend payout determinants differ from company to company. This shows that the dividend issue is still a puzzle in contemporary corporate finance.<br />Keywords: Dividend Payout, Determinants, Manufacturing, Firm-Specific, Macro-Economics</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="a122346f2dc4ae0564957b152bc390a6" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":119452517,"asset_id":125402418,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/119452517/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="125402418"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="125402418"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 125402418; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=125402418]").text(description); $(".js-view-count[data-work-id=125402418]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 125402418; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='125402418']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (true){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); 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$(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="125290365"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" href="https://www.academia.edu/125290365/Consumers_Preferences_Towards_Restaurants_Examining_Their_Homogeneity"><img alt="Research paper thumbnail of Consumers Preferences Towards Restaurants: Examining Their Homogeneity" class="work-thumbnail" src="https://attachments.academia-assets.com/119361179/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/125290365/Consumers_Preferences_Towards_Restaurants_Examining_Their_Homogeneity">Consumers Preferences Towards Restaurants: Examining Their Homogeneity</a></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">The reverberations of rapidly growing Indian economy are being observed in lifestyle of consumers...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">The reverberations of rapidly growing Indian economy are being observed in lifestyle of consumers in India. The number of people dining at restaurants is rising as more women are working outside the home, busier lifestyles and more disposable income. The present paper attempts to analyze Indian consumers&#39; preferences towards restaurants with the help of survey conducted outside the restaurants (usable surveys 370) and segments them on the basis of these preferences. The findings of this study suggest how preferences of consumers converge and their relative positions in dealing with extrinsic and intrinsic cues. The study proposes ten factors that evolve out of responses of consumers towards 36 variables that a consumer normally faces. The study advocates three segments of consumers visiting restaurant viz. “deal seekers”, “preference seekers” and, “experience seekers”, based on their preferences. The outcome of the study carries implications for researchers and entrepreneurs.</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="4c305092d3fe943806f71108d9211d15" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":119361179,"asset_id":125290365,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/119361179/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="125290365"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="125290365"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 125290365; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=125290365]").text(description); $(".js-view-count[data-work-id=125290365]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 125290365; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='125290365']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (true){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "4c305092d3fe943806f71108d9211d15" } } $('.js-work-strip[data-work-id=125290365]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":125290365,"title":"Consumers Preferences Towards Restaurants: Examining Their Homogeneity","internal_url":"https://www.academia.edu/125290365/Consumers_Preferences_Towards_Restaurants_Examining_Their_Homogeneity","owner_id":26753192,"coauthors_can_edit":true,"owner":{"id":26753192,"first_name":"Dr Dhiraj","middle_initials":null,"last_name":"Sharma","page_name":"DrDhirajSharma","domain_name":"punjabiuniversitypatiala","created_at":"2015-02-24T19:19:24.130-08:00","display_name":"Dr Dhiraj Sharma","url":"https://punjabiuniversitypatiala.academia.edu/DrDhirajSharma"},"attachments":[{"id":119361179,"title":"","file_type":"pdf","scribd_thumbnail_url":"https://attachments.academia-assets.com/119361179/thumbnails/1.jpg","file_name":"ap_2009_vol8_94.pdf","download_url":"https://www.academia.edu/attachments/119361179/download_file","bulk_download_file_name":"Consumers_Preferences_Towards_Restaurant.pdf","bulk_download_url":"https://d1wqtxts1xzle7.cloudfront.net/119361179/ap_2009_vol8_94-libre.pdf?1730791857=\u0026response-content-disposition=attachment%3B+filename%3DConsumers_Preferences_Towards_Restaurant.pdf\u0026Expires=1738958740\u0026Signature=S69mvV9hB3bkFFIWsNZb5qPYf99f85c1ewFyHLkkH-X2E-IXIIUQeXfhwwvdA7SMHMx0aetRnGjsv3ujmmQrzkwXebq0Xtfe7cuRYDS~d1LrfTD~3kFNeI3ZhkQWbFg5EY4AavlooNydSImtyJQ3rCVIMM8abn37oc19aSi-j6tHDZ~lOoYdaMjSAm68NerP65amEObbahII36LiX7TJ2pssT3jbf6gUb2TdRv1LyfWu1u9hpypUQuuIqdTj25tbHxOdQkJF4CxXRXSrdC1iySRNePiY~m5zDReSjsEGzrEOjeRuRHGJGAzgv-SZPLu7u2YPCjKgMSvisk3Mvz9KVA__\u0026Key-Pair-Id=APKAJLOHF5GGSLRBV4ZA"}]}, dispatcherData: dispatcherData }); $(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="124373553"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" href="https://www.academia.edu/124373553/Risk_Management_Practices_in_the_Commercial_Banks_of_Ethiopia"><img alt="Research paper thumbnail of Risk Management Practices in the Commercial Banks of Ethiopia" class="work-thumbnail" src="https://attachments.academia-assets.com/118611745/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/124373553/Risk_Management_Practices_in_the_Commercial_Banks_of_Ethiopia">Risk Management Practices in the Commercial Banks of Ethiopia</a></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">The purpose of this study is to evaluate the degree to which the commercial banks in Ethiopia use...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">The purpose of this study is to evaluate the degree to which the commercial banks in Ethiopia use effective risk management practices. Data is collected from 112 respondents mainly from the risk managers, risk experts, and credit analysts that work in the 14 selected commercial banks. A standardized questionnaire is used which contains 51 statements with a 7 point Likert scale categorized into six aspects of risk management practices, namely: Risk Management Practices (RMPs) the dependent variable; Understanding risk and risk management (URRM); Risk Identification (RI); Risk Assessment and analysis (RAA); Risk Monitoring (RMO); and Credit Risk Analysis (CRA) – the independent variables. The study found that commercial banks in Ethiopia are somewhat efficient in managing their risks. A positive correlation is found between the</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="9513ee8449846cb41ca0344eee3ad0c9" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":118611745,"asset_id":124373553,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/118611745/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="124373553"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="124373553"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 124373553; 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$(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="124373540"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" href="https://www.academia.edu/124373540/Unified_Theory_of_Acceptance_and_use_of_Technology_Approach_on_Financial_Technology_Adoption_A_Review_of_Customers_Perspective"><img alt="Research paper thumbnail of Unified Theory of Acceptance and use of Technology Approach on Financial Technology Adoption: A Review of Customers' Perspective" class="work-thumbnail" src="https://attachments.academia-assets.com/118611741/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/124373540/Unified_Theory_of_Acceptance_and_use_of_Technology_Approach_on_Financial_Technology_Adoption_A_Review_of_Customers_Perspective">Unified Theory of Acceptance and use of Technology Approach on Financial Technology Adoption: A Review of Customers' Perspective</a></div><div class="wp-workCard_item"><span>Zenodo (CERN European Organization for Nuclear Research)</span><span>, Jul 31, 2023</span></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">Technology is a newly developed invention that has been made to work with financial operations an...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">Technology is a newly developed invention that has been made to work with financial operations and may support activities, including service delivery. Technology adoption may have various effects on the user, and a technology's success primarily relies on each user's willingness to adopt the new technology. Financial technologies are a means for revolutionizing financial organizations' operations. Due to the emergence of financial technology time and location of customers don't matter to get services. The author has identified 40 works of literature that have studied the adoption of technology and its influencing factors from different sources. The customer's intention to adopt technology is influenced by effort expectancy, performance expectancy, social influence, price value, hedonic motivation, habit, and facilitating conditions.</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="f167907975903045900ef6ef95f51c3f" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":118611741,"asset_id":124373540,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/118611741/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="124373540"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="124373540"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 124373540; 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$(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="113561204"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" href="https://www.academia.edu/113561204/Measuring_Employment_Experimental_Evidence_from_Urban_Ghana"><img alt="Research paper thumbnail of Measuring Employment: Experimental Evidence from Urban Ghana" class="work-thumbnail" src="https://attachments.academia-assets.com/110489383/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/113561204/Measuring_Employment_Experimental_Evidence_from_Urban_Ghana">Measuring Employment: Experimental Evidence from Urban Ghana</a></div><div class="wp-workCard_item"><span>The World Bank Economic Review</span><span>, 2020</span></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">Using a randomized survey experiment in urban Ghana, this paper demonstrates that the length of t...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">Using a randomized survey experiment in urban Ghana, this paper demonstrates that the length of the reference period and the interview modality (in-person or over the phone) affect how people respond in labor surveys, with impacts varying markedly by job type. Survey participants report significantly more self-employment spells when the reference period is shorter than the traditional one week, with the impacts concentrated among those in home-based and mobile self-employment. In contrast, the reference period has no impact on the incidence of wage-employment. The wage-employed do report working fewer days and hours when confronted with a shorter reference period. Finally, interviews conducted on the phone yield lower estimates of employment, hours worked, and days worked among the self-employed who are working from home or a mobile location as compared to in-person interviews.</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="e3dbd0b8b9b6478720355c9676d1dfed" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":110489383,"asset_id":113561204,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/110489383/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="113561204"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="113561204"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 113561204; 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$(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="86976993"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" href="https://www.academia.edu/86976993/Does_technology_leads_to_better_financial_performance"><img alt="Research paper thumbnail of Does technology leads to better financial performance" class="work-thumbnail" src="https://attachments.academia-assets.com/91313688/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/86976993/Does_technology_leads_to_better_financial_performance">Does technology leads to better financial performance</a></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">It has been a matter of debate whether Technology provides better financial results and improves ...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">It has been a matter of debate whether Technology provides better financial results and improves productivity. The present paper attempts to study the inter-group comparison of financial performance of Indian banks by classifying the banks on the basis of usage of Technology. Further, for the purpose of temporal comparison, the period for the study has been divided into two parts, i. e. low technology induction period and high technology induction period. Findings of the paper show that the fully it oriented banks are financially better off than the partially it oriented banks. Moreover, the performance of almost all the banks under study has tremendously improved in the high technology induction period. However, for the Indian banking industry, the correlation between Technology induction and financial productivity is negative though statistically insignificant and low.</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="9e476e73647466e0d5648ed8508320fa" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":91313688,"asset_id":86976993,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/91313688/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="86976993"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="86976993"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 86976993; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=86976993]").text(description); $(".js-view-count[data-work-id=86976993]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 86976993; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='86976993']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (true){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "9e476e73647466e0d5648ed8508320fa" } } $('.js-work-strip[data-work-id=86976993]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":86976993,"title":"Does technology leads to better financial performance","internal_url":"https://www.academia.edu/86976993/Does_technology_leads_to_better_financial_performance","owner_id":26753192,"coauthors_can_edit":true,"owner":{"id":26753192,"first_name":"Dr Dhiraj","middle_initials":null,"last_name":"Sharma","page_name":"DrDhirajSharma","domain_name":"punjabiuniversitypatiala","created_at":"2015-02-24T19:19:24.130-08:00","display_name":"Dr Dhiraj Sharma","url":"https://punjabiuniversitypatiala.academia.edu/DrDhirajSharma"},"attachments":[{"id":91313688,"title":"","file_type":"pdf","scribd_thumbnail_url":"https://attachments.academia-assets.com/91313688/thumbnails/1.jpg","file_name":"52483543.pdf","download_url":"https://www.academia.edu/attachments/91313688/download_file","bulk_download_file_name":"Does_technology_leads_to_better_financia.pdf","bulk_download_url":"https://d1wqtxts1xzle7.cloudfront.net/91313688/52483543-libre.pdf?1663702829=\u0026response-content-disposition=attachment%3B+filename%3DDoes_technology_leads_to_better_financia.pdf\u0026Expires=1738958740\u0026Signature=WqWjFvH-9yz-SMjsxFfw26I5VakUieO--rTK9FrwwC7RonD8iekBEwQoMJPdJg2hH5~jRL7-RHDUbgspamqY3XDH-OVRRNtdpsvCBayvRzSZx6965G1rVWHnGqckmsgitbRGHIA0DRTY4~lIBJR3YbkD0U6f22CwDc51j4zKrYz3CWF~Uc-Kb9JxQo2QDXFza2vElc6xkzbhuJi~5DN~wUFp8ZUWJiFWLvZN6LV814BJuPjZHmFZeITS4v4JJ3ih3YFb7JyHYfLR5KoAWSRYAWVuMCZPg7UAFs58RK7pghlu7wlEu3waGc15xEq-ALpyWVm77ImEsjRnoduRyIGvxA__\u0026Key-Pair-Id=APKAJLOHF5GGSLRBV4ZA"}]}, dispatcherData: dispatcherData }); $(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="82604314"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" href="https://www.academia.edu/82604314/A_Study_of_Telemedicine_in_Punjab_Scope_and_Challenges_in_Implementation"><img alt="Research paper thumbnail of A Study of Telemedicine in Punjab: Scope and Challenges in Implementation" class="work-thumbnail" src="https://attachments.academia-assets.com/88256340/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/82604314/A_Study_of_Telemedicine_in_Punjab_Scope_and_Challenges_in_Implementation">A Study of Telemedicine in Punjab: Scope and Challenges in Implementation</a></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">Telemedicine is becoming more familiar concept and provide a boom for Indian health care sector. ...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">Telemedicine is becoming more familiar concept and provide a boom for Indian health care sector. It has the ability to fill the gap between demand of healthcare services and supply of limited manpower and infrastructure in healthcare, especially for people residing in remote and rural areas. Punjab state is geographically and economically diversified. The state already has been passing through various problems such as rapidly increasing population, lack of sufficient transportation, illiteracy and low budget for healthcare. In such a scenario, the telemedicine has emerged as a life line to serve the people at large. The features like easy accessibility and highly economical are bagged into the merit list of telemedicine services. The present study aimed to access various government initiatives taken under telemedicine in Punjab and also to address the issues in implementation of telemedicine. The study has used both primary as well as secondary data to study the problem and to under...</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="44ccfee411db038a2b03fe88b2adbad1" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":88256340,"asset_id":82604314,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/88256340/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="82604314"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="82604314"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 82604314; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=82604314]").text(description); $(".js-view-count[data-work-id=82604314]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 82604314; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='82604314']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (true){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "44ccfee411db038a2b03fe88b2adbad1" } } $('.js-work-strip[data-work-id=82604314]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":82604314,"title":"A Study of Telemedicine in Punjab: Scope and Challenges in Implementation","internal_url":"https://www.academia.edu/82604314/A_Study_of_Telemedicine_in_Punjab_Scope_and_Challenges_in_Implementation","owner_id":26753192,"coauthors_can_edit":true,"owner":{"id":26753192,"first_name":"Dr Dhiraj","middle_initials":null,"last_name":"Sharma","page_name":"DrDhirajSharma","domain_name":"punjabiuniversitypatiala","created_at":"2015-02-24T19:19:24.130-08:00","display_name":"Dr Dhiraj Sharma","url":"https://punjabiuniversitypatiala.academia.edu/DrDhirajSharma"},"attachments":[{"id":88256340,"title":"","file_type":"pdf","scribd_thumbnail_url":"https://attachments.academia-assets.com/88256340/thumbnails/1.jpg","file_name":"170-173_20Dr._20GAGANDEEP_20KAUR.pdf","download_url":"https://www.academia.edu/attachments/88256340/download_file","bulk_download_file_name":"A_Study_of_Telemedicine_in_Punjab_Scope.pdf","bulk_download_url":"https://d1wqtxts1xzle7.cloudfront.net/88256340/170-173_20Dr._20GAGANDEEP_20KAUR-libre.pdf?1656964071=\u0026response-content-disposition=attachment%3B+filename%3DA_Study_of_Telemedicine_in_Punjab_Scope.pdf\u0026Expires=1738958740\u0026Signature=VvhqGlV5lG9q87YYKmCfjxHy6ekNqdvrGo1UQTqncxcfuV8qQzOxXEdRLcHXq1Kz9Mz-W6jeT4Vzfu5ZZh~PlptyMTlTBqUgg9K7adl1M~eg9xl8pCOzs8Og2zPeg8VL5CbmFXh08kSUoWnl~~mpa1LKAuoGfpoA7sqpkH7azuBUYiw45lsbAcZSWMJSCOAKruSP3AhuD4yPH4XS4KeGaQuYSQTSb7kaLtEn98~erdJYxAelpkM6CBIc3jxDKCa2maoCyhIpB~LQD9M1H2PfoydyOxQTyR6IOhaSKRIe6yQbEILP5Z8S9pdyAwPKAuTrMl8WuatW0UuxcL9lFp1TXA__\u0026Key-Pair-Id=APKAJLOHF5GGSLRBV4ZA"}]}, dispatcherData: dispatcherData }); $(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="82604302"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" href="https://www.academia.edu/82604302/Influence_of_Demographic_Factors_on_Users_Adoption_of_Electronic_Banking_in_Ethiopia"><img alt="Research paper thumbnail of Influence of Demographic Factors on Users' Adoption of Electronic Banking in Ethiopia" class="work-thumbnail" src="https://attachments.academia-assets.com/88256336/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/82604302/Influence_of_Demographic_Factors_on_Users_Adoption_of_Electronic_Banking_in_Ethiopia">Influence of Demographic Factors on Users' Adoption of Electronic Banking in Ethiopia</a></div><div class="wp-workCard_item"><span>The Journal of Internet Banking and Commerce</span><span>, 2017</span></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">Purpose: Regardless of the fact that the influence of demographic factors on users&#39; adoption ...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">Purpose: Regardless of the fact that the influence of demographic factors on users&#39; adoption or usage behavior of e-banking channels for banking transactions have been intensively examined by studies carried out mostly in the developed countries, this area is not well studied in the developing countries especially in Ethiopia. Therefore, the main objective of this study is to investigate the influence of demographic factors on users&#39; adoption of e-banking systems in Ethiopia from the current users&#39; perspective. Research Methodology: Descriptive type of research was applied for this study. A total of 600 users&#39; of e-banking services were used as a sample survey from those commercial banks that are using e-banking systems as a means of banking service provision in Addis Ababa, Ethiopia. A well-structured and randomly administered questionnaire was used to collect the relevant information from those customers who are using at least one form of e-banking systems. Intervi...</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="3dba301d3fbf70871373ac5d57befaac" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":88256336,"asset_id":82604302,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/88256336/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="82604302"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="82604302"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 82604302; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=82604302]").text(description); $(".js-view-count[data-work-id=82604302]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 82604302; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='82604302']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (true){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "3dba301d3fbf70871373ac5d57befaac" } } $('.js-work-strip[data-work-id=82604302]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":82604302,"title":"Influence of Demographic Factors on Users' Adoption of Electronic Banking in Ethiopia","internal_url":"https://www.academia.edu/82604302/Influence_of_Demographic_Factors_on_Users_Adoption_of_Electronic_Banking_in_Ethiopia","owner_id":26753192,"coauthors_can_edit":true,"owner":{"id":26753192,"first_name":"Dr Dhiraj","middle_initials":null,"last_name":"Sharma","page_name":"DrDhirajSharma","domain_name":"punjabiuniversitypatiala","created_at":"2015-02-24T19:19:24.130-08:00","display_name":"Dr Dhiraj Sharma","url":"https://punjabiuniversitypatiala.academia.edu/DrDhirajSharma"},"attachments":[{"id":88256336,"title":"","file_type":"pdf","scribd_thumbnail_url":"https://attachments.academia-assets.com/88256336/thumbnails/1.jpg","file_name":"influence-of-demographic-factors-on-users-adoption-of-electronic-banking-in-ethiopia.pdf","download_url":"https://www.academia.edu/attachments/88256336/download_file","bulk_download_file_name":"Influence_of_Demographic_Factors_on_User.pdf","bulk_download_url":"https://d1wqtxts1xzle7.cloudfront.net/88256336/influence-of-demographic-factors-on-users-adoption-of-electronic-banking-in-ethiopia-libre.pdf?1656964077=\u0026response-content-disposition=attachment%3B+filename%3DInfluence_of_Demographic_Factors_on_User.pdf\u0026Expires=1738958740\u0026Signature=NjBqyY-Rtqp7ocB4kM4SPyix9SVITPeamjoCrv4t8mSTI7skzEqbDBp34cBkAvsEE5Q9jF4uqFFpQAuJfczIy6yHZDPfVfSxvYjP11kHxEY6NW~Xvd6haWQvj03xRyervkHj~yQcMohrtYvErCgSg4HE1s8FaLsfmoSOlQkH0uA0QTiJpyFhruZq2pJrxzWelO55xis9GLxsaIfFWt7aOURECHX75uj3iCrNIonvN5fuCWbW~rGpHuYLuAETVbDT9TuXxZ1IwMTy1ZBD3Og5gxCOqbK~pdmY0gDYwem8ST0pBix4z32f8si8S6v7C3mxF3bJrM-P5Ap0t22QZ5a4~g__\u0026Key-Pair-Id=APKAJLOHF5GGSLRBV4ZA"}]}, dispatcherData: dispatcherData }); $(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="82604280"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" href="https://www.academia.edu/82604280/Determinants_of_Bank_Customer%C3%A3_%C3%A2%C3%A2s_Intention_to_Adopt_Electronic_Finance_Technologies_in_Ethiopia_An_Integration_of_Tam_with_Financial_Risk_Financial_Trust_and_Awareness"><img alt="Research paper thumbnail of Determinants of Bank Customerã¢ââs Intention to Adopt Electronic Finance Technologies in Ethiopia: An Integration of Tam with Financial Risk, Financial Trust, and Awareness" class="work-thumbnail" src="https://attachments.academia-assets.com/88256312/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/82604280/Determinants_of_Bank_Customer%C3%A3_%C3%A2%C3%A2s_Intention_to_Adopt_Electronic_Finance_Technologies_in_Ethiopia_An_Integration_of_Tam_with_Financial_Risk_Financial_Trust_and_Awareness">Determinants of Bank Customerã¢ââs Intention to Adopt Electronic Finance Technologies in Ethiopia: An Integration of Tam with Financial Risk, Financial Trust, and Awareness</a></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">Banking industries in developing countries like Ethiopia in Africa highly committed to invest hug...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">Banking industries in developing countries like Ethiopia in Africa highly committed to invest huge capital for introducing new e-finance technologies and training their professional employees. However, the adoption feedback from their customer’s side is still passive and challenged by many factors. This study was aimed to investigate factors that determine bank customer’s intention to adopt electronic financial technologies in Ethiopia. The original TAM model was used that constructed with perceived financial trust, perceived financial risk, subjective norm and awareness as exogenous factors that predict bank customer’s intention to adopt the technologies. Self-administered questioner was used for data collected from 412 bank customers and the exploratory factor analysis (EFA) and CFA confirmed data was internally consistent enough to measure each factor. The finding of the study shows perceived ease of use, perceived usefulness, perceived financial trust, subjective norm and awaren...</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="67f718e89f5419c5e5879d3c509cce59" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":88256312,"asset_id":82604280,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/88256312/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="82604280"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="82604280"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 82604280; 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$(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="82570194"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" href="https://www.academia.edu/82570194/Technostress_and_Personality_Traits_Are_they_Associated_Evidence_from_Indian_Bankers"><img alt="Research paper thumbnail of Technostress and Personality Traits – Are they Associated? – Evidence from Indian Bankers" class="work-thumbnail" src="https://attachments.academia-assets.com/88237537/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/82570194/Technostress_and_Personality_Traits_Are_they_Associated_Evidence_from_Indian_Bankers">Technostress and Personality Traits – Are they Associated? – Evidence from Indian Bankers</a></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">The technology usage which mostly results in technostress varies from person to person. This expl...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">The technology usage which mostly results in technostress varies from person to person. This explains the importance of personality traits which leads to different capabilities of coping up with strain experienced by extensive technology use. The change in the technology used at workplace is inevitable; therefore it is necessary to train bank employees on the basis of their customized needs. For this, study of personality is required to be assessed, so that the resistance towards the technology change can be minimized. The results are based on both primary and secondary mode of research study. Six hundred respondents were interviewed through questionnaire from various public, private, SBI & Associates and foreign sector banks in Punjab and Haryana.The present study is conducted on the basis of the NEO-PIR scale given by Paul T. Costa and Robert and the relation of personality traits like neuroticism, extroversion, conscientiousness, agreeableness and openness etc. with strain experi...</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="7a9862f33704292d5974151d79d2c508" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":88237537,"asset_id":82570194,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/88237537/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="82570194"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="82570194"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 82570194; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=82570194]").text(description); $(".js-view-count[data-work-id=82570194]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 82570194; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='82570194']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (true){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "7a9862f33704292d5974151d79d2c508" } } $('.js-work-strip[data-work-id=82570194]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":82570194,"title":"Technostress and Personality Traits – Are they Associated? 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A Study of Indian Commercial Banks" class="work-thumbnail" src="https://attachments.academia-assets.com/84271167/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/76623566/Does_Technology_Lead_to_Better_Financial_Performance_A_Study_of_Indian_Commercial_Banks">Does Technology Lead to Better Financial Performance? A Study of Indian Commercial Banks</a></div><div class="wp-workCard_item"><span>Managing global transitions</span><span>, 2012</span></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">It has been a matter of debate whether Technology provides better financial results and improves ...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">It has been a matter of debate whether Technology provides better financial results and improves productivity. The present paper attempts to study the inter-group comparison of financial performance of Indian banks by classifying the banks on the basis of usage of Technology. Further, for the purpose of temporal comparison, the period for the study has been divided into two parts, i. e. low technology induction period and high technology induction period. Findings of the paper show that the fully IT oriented banks are financially better off than the partially IT oriented banks. Moreover, the performance of almost all the banks under study has tremendously improved in the high technology induction period. However, for the Indian banking industry, the correlation between Technology induction and financial productivity is negative though statistically insignificant and low.</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="a01766ab217ceacc732d33c783913a1c" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":84271167,"asset_id":76623566,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/84271167/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="76623566"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="76623566"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 76623566; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=76623566]").text(description); $(".js-view-count[data-work-id=76623566]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 76623566; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='76623566']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (true){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "a01766ab217ceacc732d33c783913a1c" } } $('.js-work-strip[data-work-id=76623566]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":76623566,"title":"Does Technology Lead to Better Financial Performance? 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A Study of Indian Commercial" class="work-thumbnail" src="https://attachments.academia-assets.com/79833565/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/69921269/Does_Technology_Lead_to_Better_Financial_Performance_A_Study_of_Indian_Commercial">Does Technology Lead to Better Financial Performance? A Study of Indian Commercial</a></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">It has been a matter of debate whether Technology provides better fi-nancial results and improves...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">It has been a matter of debate whether Technology provides better fi-nancial results and improves productivity. The present paper attempts to study the inter-group comparison of financial performance of Indian banks by classifying the banks on the basis of usage of Technology. Fur-ther, for the purpose of temporal comparison, the period for the study has been divided into two parts, i. e. low technology induction period and high technology induction period. Findings of the paper show that the fully it oriented banks are financially better off than the partially it oriented banks. Moreover, the performance of almost all the banks under study has tremendously improved in the high technology induc-tion period. However, for the Indian banking industry, the correlation between Technology induction and financial productivity is negative though statistically insignificant and low. Key Words: it productivity paradox, information technology, financial performance, indian banks, spread and bu...</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="19c829298bc89818499de0e07c18263a" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":79833565,"asset_id":69921269,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/79833565/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="69921269"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="69921269"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 69921269; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=69921269]").text(description); $(".js-view-count[data-work-id=69921269]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 69921269; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='69921269']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (true){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "19c829298bc89818499de0e07c18263a" } } $('.js-work-strip[data-work-id=69921269]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":69921269,"title":"Does Technology Lead to Better Financial Performance? 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An Evidence from India" class="work-thumbnail" src="https://attachments.academia-assets.com/78526707/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/67837041/Does_Credit_Utilization_Pattern_Promote_Poverty_Alleviation_An_Evidence_from_India">Does Credit Utilization Pattern Promote Poverty Alleviation? An Evidence from India</a></div><div class="wp-workCard_item wp-workCard--coauthors"><span>by </span><span><a class="" data-click-track="profile-work-strip-authors" href="https://icssr.academia.edu/JaskiratSingh">Jaskirat Singh</a> and <a class="" data-click-track="profile-work-strip-authors" href="https://punjabiuniversitypatiala.academia.edu/DrDhirajSharma">Dr Dhiraj Sharma</a></span></div><div class="wp-workCard_item"><span>Global Business Review</span><span>, 2020</span></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">Government of India has introduced various schemes for the uplift of the deprived section of the ...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">Government of India has introduced various schemes for the uplift of the deprived section of the urban poor. As a result, the proportion of India's poor with respect to total population has dropped in both urban and rural areas, but then again, the absolute number of the urban poor is growing. Therefore, this article tries to analyse the utilization pattern of credit availed through various credit expansion avenues by the urban poor households, thereafter examining its impact on poverty alleviation at different levels. Snowball sampling method was used to collect data from 598 respondents living in the most populous cities of Punjab and the union territory (UT) of Chandigarh using the references of registered deprived urban poor, who are continuously being recorded and monitored by top non-governmental organizations (NGOs) and banks. Apart from descriptive statistics, exploratory factor analysis was used to categorize the utilization pattern and poverty alleviation dimensions into the valid factors. Finally, structural equation modelling (SEM) was employed to test the proposed hypothesis. The study found that the productive utilization of credit availed by the Economic Weaker Section (EWS) of the urban poor through various government credit schemes is highly associated with poverty alleviation at individual level (b = 0.55 and p = 0.000) followed by that at regional (b = 0.29 and p = 0.009) and community levels (b = 0.18, and p = 0.001). Social structure of the families is found to be an important deciding factor in how productively a household channelizes its loan amount or grants to move out of poverty and to become self-reliant. The article is limited to only government-backed credit expansion schemes for the EWS of the urban poor residing in the most populous areas of Punjab and Chandigarh. The development of the evaluation model is expected to lead towards better implementation of government credit schemes for the EWS of the urban poor, which would be practically helpful in policymaking. Also, the development of suggestive measures is expected to complement effective, efficient and more cohesive implementation of government schemes for the urban poor, which would be socially more sustainable. With policy emphasis in recent times for the urban poor, the topic is of utmost importance for research.</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="7c0e0646f0c7eb6282e606add857a8e6" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":78526707,"asset_id":67837041,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/78526707/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="67837041"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="67837041"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 67837041; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=67837041]").text(description); $(".js-view-count[data-work-id=67837041]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 67837041; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='67837041']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (true){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "7c0e0646f0c7eb6282e606add857a8e6" } } $('.js-work-strip[data-work-id=67837041]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":67837041,"title":"Does Credit Utilization Pattern Promote Poverty Alleviation? 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$(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="52168690"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" rel="nofollow" href="https://www.academia.edu/52168690/Efficiency_of_Ethiopian_commercial_banks_using_data_envelopment_analysis"><img alt="Research paper thumbnail of Efficiency of Ethiopian commercial banks: using data envelopment analysis" class="work-thumbnail" src="https://a.academia-assets.com/images/blank-paper.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" rel="nofollow" href="https://www.academia.edu/52168690/Efficiency_of_Ethiopian_commercial_banks_using_data_envelopment_analysis">Efficiency of Ethiopian commercial banks: using data envelopment analysis</a></div><div class="wp-workCard_item"><span>American J. of Finance and Accounting</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="52168690"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="52168690"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 52168690; 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dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "-1" } } $('.js-work-strip[data-work-id=52168690]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":52168690,"title":"Efficiency of Ethiopian commercial banks: using data envelopment analysis","internal_url":"https://www.academia.edu/52168690/Efficiency_of_Ethiopian_commercial_banks_using_data_envelopment_analysis","owner_id":26753192,"coauthors_can_edit":true,"owner":{"id":26753192,"first_name":"Dr Dhiraj","middle_initials":null,"last_name":"Sharma","page_name":"DrDhirajSharma","domain_name":"punjabiuniversitypatiala","created_at":"2015-02-24T19:19:24.130-08:00","display_name":"Dr Dhiraj Sharma","url":"https://punjabiuniversitypatiala.academia.edu/DrDhirajSharma"},"attachments":[]}, dispatcherData: dispatcherData }); $(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="52168689"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" rel="nofollow" href="https://www.academia.edu/52168689/Internet_of_Things_and_Banking_Frauds_Friends_or_Foes_A_Study_of_Indian_Public_and_Private_Sector_Banks"><img alt="Research paper thumbnail of Internet of Things and Banking Frauds-Friends or Foes? A Study of Indian Public and Private Sector Banks" class="work-thumbnail" src="https://a.academia-assets.com/images/blank-paper.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" rel="nofollow" href="https://www.academia.edu/52168689/Internet_of_Things_and_Banking_Frauds_Friends_or_Foes_A_Study_of_Indian_Public_and_Private_Sector_Banks">Internet of Things and Banking Frauds-Friends or Foes? A Study of Indian Public and Private Sector Banks</a></div><div class="wp-workCard_item"><span>Journal of Computational and Theoretical Nanoscience</span></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">Ever since the introduction of banking business in this complex structure of human living, banks ...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">Ever since the introduction of banking business in this complex structure of human living, banks are believed to be one of the institutions which are recommended for trustworthiness and treasure repositories for the general public. These are the institutions which were and are still trusted for their veracity by the civilians of every nation. However, with the passage of time the increase in the technology results in the virtue of banking organization which seems to be under a big question mark and the main reason of this integrity loss of banking organizations in the present era is an epidemic known as fraud. Moreover, bank frauds are one of the crucial areas to be resolved from the angle of internet of things which includes many of the technological loopholes. Therefore, the present study aims to provide an appropriate solution to the problem of fraud in the present scenario of increasing trends of Internet of things in the banking industry especially in Indian context. The study ...</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="52168689"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="52168689"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 52168689; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=52168689]").text(description); $(".js-view-count[data-work-id=52168689]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 52168689; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='52168689']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (false){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "-1" } } $('.js-work-strip[data-work-id=52168689]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":52168689,"title":"Internet of Things and Banking Frauds-Friends or Foes? A Study of Indian Public and Private Sector Banks","internal_url":"https://www.academia.edu/52168689/Internet_of_Things_and_Banking_Frauds_Friends_or_Foes_A_Study_of_Indian_Public_and_Private_Sector_Banks","owner_id":26753192,"coauthors_can_edit":true,"owner":{"id":26753192,"first_name":"Dr Dhiraj","middle_initials":null,"last_name":"Sharma","page_name":"DrDhirajSharma","domain_name":"punjabiuniversitypatiala","created_at":"2015-02-24T19:19:24.130-08:00","display_name":"Dr Dhiraj Sharma","url":"https://punjabiuniversitypatiala.academia.edu/DrDhirajSharma"},"attachments":[]}, dispatcherData: dispatcherData }); $(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="52168688"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" rel="nofollow" href="https://www.academia.edu/52168688/Does_Credit_Utilization_Pattern_Promote_Poverty_Alleviation_An_Evidence_from_India"><img alt="Research paper thumbnail of Does Credit Utilization Pattern Promote Poverty Alleviation? An Evidence from India" class="work-thumbnail" src="https://a.academia-assets.com/images/blank-paper.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" rel="nofollow" href="https://www.academia.edu/52168688/Does_Credit_Utilization_Pattern_Promote_Poverty_Alleviation_An_Evidence_from_India">Does Credit Utilization Pattern Promote Poverty Alleviation? An Evidence from India</a></div><div class="wp-workCard_item"><span>Global Business Review</span></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">Government of India has introduced various schemes for the uplift of the deprived section of the ...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">Government of India has introduced various schemes for the uplift of the deprived section of the urban poor. As a result, the proportion of India’s poor with respect to total population has dropped in both urban and rural areas, but then again, the absolute number of the urban poor is growing. Therefore, this article tries to analyse the utilization pattern of credit availed through various credit expansion avenues by the urban poor households, thereafter examining its impact on poverty alleviation at different levels. Snowball sampling method was used to collect data from 598 respondents living in the most populous cities of Punjab and the union territory (UT) of Chandigarh using the references of registered deprived urban poor, who are continuously being recorded and monitored by top non-governmental organizations (NGOs) and banks. Apart from descriptive statistics, exploratory factor analysis was used to categorize the utilization pattern and poverty alleviation dimensions into t...</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="52168688"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="52168688"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 52168688; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=52168688]").text(description); $(".js-view-count[data-work-id=52168688]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 52168688; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='52168688']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (false){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "-1" } } $('.js-work-strip[data-work-id=52168688]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":52168688,"title":"Does Credit Utilization Pattern Promote Poverty Alleviation? 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window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=52168687]").text(description); $(".js-view-count[data-work-id=52168687]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 52168687; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='52168687']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (false){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); 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</script> <div class="js-work-strip profile--work_container" data-work-id="52168686"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" rel="nofollow" href="https://www.academia.edu/52168686/The_Effect_of_e_Finance_Service_Quality_on_Bank_Customers_Fintech_e_Loyalty"><img alt="Research paper thumbnail of The Effect of e-Finance Service Quality on Bank Customers' Fintech e-Loyalty" class="work-thumbnail" src="https://a.academia-assets.com/images/blank-paper.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" rel="nofollow" href="https://www.academia.edu/52168686/The_Effect_of_e_Finance_Service_Quality_on_Bank_Customers_Fintech_e_Loyalty">The Effect of e-Finance Service Quality on Bank Customers' Fintech e-Loyalty</a></div><div class="wp-workCard_item"><span>International Journal of E-Business Research</span></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">The expansion of information communication technology (ICT) significantly influences organization...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">The expansion of information communication technology (ICT) significantly influences organizations service delivering culture. The financial institutions, particularly the banking industry are one of the major sectors that invests large amount of capital for introducing new technologies. E-finance is one of the technology channels that bankers introduced to their customers to access financial services. Therefore, this study was aimed to study the effect of e-finance service quality on bank customers&#39; fintech loyalty of using the e-finance services in future. Primary data was collected from 412 bank customers and it was analyzed using the structural equation model (SEM) through AMOS. The result revealed that both in normal operations of e-finance service and recovery services, the quality of service positively influences bank customers&#39; satisfaction and their e-loyalty.</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="52168686"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="52168686"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 52168686; window.Academia.workViewCountsFetcher.queue(workId, function (count) { var description = window.$h.commaizeInt(count) + " " + window.$h.pluralize(count, 'View'); $(".js-view-count[data-work-id=52168686]").text(description); $(".js-view-count[data-work-id=52168686]").attr('title', description).tooltip(); }); });</script></span></span><span><span class="percentile-widget hidden"><span class="u-mr2x work-percentile"></span></span><script>$(function () { var workId = 52168686; window.Academia.workPercentilesFetcher.queue(workId, function (percentileText) { var container = $(".js-work-strip[data-work-id='52168686']"); container.find('.work-percentile').text(percentileText.charAt(0).toUpperCase() + percentileText.slice(1)); container.find('.percentile-widget').show(); container.find('.percentile-widget').removeClass('hidden'); }); });</script></span></div><div id="work-strip-premium-row-container"></div></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/wow_profile-a9bf3a2bc8c89fa2a77156577594264ee8a0f214d74241bc0fcd3f69f8d107ac.js","https://a.academia-assets.com/assets/work_edit-ad038b8c047c1a8d4fa01b402d530ff93c45fee2137a149a4a5398bc8ad67560.js"], function() { // from javascript_helper.rb var dispatcherData = {} if (false){ window.WowProfile.dispatcher = window.WowProfile.dispatcher || _.clone(Backbone.Events); dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "-1" } } $('.js-work-strip[data-work-id=52168686]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":52168686,"title":"The Effect of e-Finance Service Quality on Bank Customers' Fintech e-Loyalty","internal_url":"https://www.academia.edu/52168686/The_Effect_of_e_Finance_Service_Quality_on_Bank_Customers_Fintech_e_Loyalty","owner_id":26753192,"coauthors_can_edit":true,"owner":{"id":26753192,"first_name":"Dr Dhiraj","middle_initials":null,"last_name":"Sharma","page_name":"DrDhirajSharma","domain_name":"punjabiuniversitypatiala","created_at":"2015-02-24T19:19:24.130-08:00","display_name":"Dr Dhiraj Sharma","url":"https://punjabiuniversitypatiala.academia.edu/DrDhirajSharma"},"attachments":[]}, dispatcherData: dispatcherData }); $(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="52168685"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" href="https://www.academia.edu/52168685/Inflationary_Trends_in_India_A_Pre_and_Post_Reform_Study"><img alt="Research paper thumbnail of Inflationary Trends in India: A Pre and Post Reform Study" class="work-thumbnail" src="https://attachments.academia-assets.com/69557995/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/52168685/Inflationary_Trends_in_India_A_Pre_and_Post_Reform_Study">Inflationary Trends in India: A Pre and Post Reform Study</a></div><div class="wp-workCard_item"><span>Journal of Technology Management for Growing Economies</span></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">The present paper attempts to explore the nature, trends and patterns of inflation in India durin...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">The present paper attempts to explore the nature, trends and patterns of inflation in India during 1980-2016. The selected time period has been trifurcated purposively into three-time spans namely, pre-reform period (1980-90), after reform period (1991-2000) and subsequent period (2001-16). The endeavour of the paper is to examine the dynamics of inflation over the three-time spans from 1980-2016 in the Indian economy. It has been found that the inflation, based on WPI and CPI, is continuously rising since 1980. Up to 1995, the trend in CPI and WPI were same and there was no significant difference between them. However, after 1995, CPI has recorded larger growth as compared to WPI. Such trend has also continued in the subsequent period. The study reveals that this trend may be attributed to change in the composition of WPI and CPI since weights of primary articles have declined in WPI whereas such weights have registered a considerable increase in the categories of manufacturing, fu...</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="50df4f4b4c43de101ce07f5b6263c220" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":69557995,"asset_id":52168685,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/69557995/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="52168685"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="52168685"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 52168685; 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dispatcherData = { dispatcher: window.WowProfile.dispatcher, downloadLinkId: "50df4f4b4c43de101ce07f5b6263c220" } } $('.js-work-strip[data-work-id=52168685]').each(function() { if (!$(this).data('initialized')) { new WowProfile.WorkStripView({ el: this, workJSON: {"id":52168685,"title":"Inflationary Trends in India: A Pre and Post Reform Study","internal_url":"https://www.academia.edu/52168685/Inflationary_Trends_in_India_A_Pre_and_Post_Reform_Study","owner_id":26753192,"coauthors_can_edit":true,"owner":{"id":26753192,"first_name":"Dr Dhiraj","middle_initials":null,"last_name":"Sharma","page_name":"DrDhirajSharma","domain_name":"punjabiuniversitypatiala","created_at":"2015-02-24T19:19:24.130-08:00","display_name":"Dr Dhiraj Sharma","url":"https://punjabiuniversitypatiala.academia.edu/DrDhirajSharma"},"attachments":[{"id":69557995,"title":"","file_type":"pdf","scribd_thumbnail_url":"https://attachments.academia-assets.com/69557995/thumbnails/1.jpg","file_name":"2.pdf","download_url":"https://www.academia.edu/attachments/69557995/download_file","bulk_download_file_name":"Inflationary_Trends_in_India_A_Pre_and_P.pdf","bulk_download_url":"https://d1wqtxts1xzle7.cloudfront.net/69557995/2-libre.pdf?1631551894=\u0026response-content-disposition=attachment%3B+filename%3DInflationary_Trends_in_India_A_Pre_and_P.pdf\u0026Expires=1738958741\u0026Signature=LjfByvyrYlxZyQNG8tTmp41P1vPtYDLlpHvx452uAPzIwdQ2VkEkAJCgZ1rf7kSyv-12qgCKINbwfpS4RWV5ResfDbp0PcPBRGcunih3cVwihmHA2nzhplZptODOfAkLFfP5ocgguyk9KUuiooNgjyw8JX4bMNLnyxLHOvIt-O4yIzOW9zj0OpY2cIAx6UKNdM6YfGYnNXgDzKsoLvLo9HFJQBsJqUnXiEHVxsG4JaZLo2wAZ4yxMuxlqFc7RA5aeOqw15g2FhNeFd3l3lJ2tsLsJsxN8PzsDGZ2ywF8pVolQcdTMXBMRaZjylEQsr2hPR~nzPJrRYaZiH3ujB7h9Q__\u0026Key-Pair-Id=APKAJLOHF5GGSLRBV4ZA"},{"id":69557994,"title":"","file_type":"pdf","scribd_thumbnail_url":"https://attachments.academia-assets.com/69557994/thumbnails/1.jpg","file_name":"2.pdf","download_url":"https://www.academia.edu/attachments/69557994/download_file","bulk_download_file_name":"Inflationary_Trends_in_India_A_Pre_and_P.pdf","bulk_download_url":"https://d1wqtxts1xzle7.cloudfront.net/69557994/2-libre.pdf?1631551894=\u0026response-content-disposition=attachment%3B+filename%3DInflationary_Trends_in_India_A_Pre_and_P.pdf\u0026Expires=1738958741\u0026Signature=eOYSzR2CjU1rUrrH1vFBLuHOTQHu7xmT1ZT1OB6qQwtZ1NU4QBWvNwGWwZCmoc7Fi80dHTmjgAVNriXnrefMBLW2pl10WVS23oToYUwfTqA8Dq6FfHIoGehmye-tkEG11rqf9SmhKJjlvGculrXzTnE-ZF9tXp-hLJBO8iUsuP69nJP-b84MSe4KLl1sDZCnO6RHIYMKAkjN4nXvxSgYLPetG72tO7wFVMLCObdivbTH8~NiAcme4yv~g5EUAQnAU7qxxCfgppvbTfrxeyKuIOzy9981vmoT1L3-NdmrmHXRzqnff86LU2hkkp2dk~MAl8fMeNmcNcaZMgPFiww7Fg__\u0026Key-Pair-Id=APKAJLOHF5GGSLRBV4ZA"}]}, dispatcherData: dispatcherData }); $(this).data('initialized', true); } }); $a.trackClickSource(".js-work-strip-work-link", "profile_work_strip") }); </script> <div class="js-work-strip profile--work_container" data-work-id="52168684"><div class="profile--work_thumbnail hidden-xs"><a class="js-work-strip-work-link" data-click-track="profile-work-strip-thumbnail" href="https://www.academia.edu/52168684/Rising_Toll_of_Frauds_in_Banking_A_Threat_for_the_Indian_Economy"><img alt="Research paper thumbnail of Rising Toll of Frauds in Banking: A Threat for the Indian Economy" class="work-thumbnail" src="https://attachments.academia-assets.com/69557992/thumbnails/1.jpg" /></a></div><div class="wp-workCard wp-workCard_itemContainer"><div class="wp-workCard_item wp-workCard--title"><a class="js-work-strip-work-link text-gray-darker" data-click-track="profile-work-strip-title" href="https://www.academia.edu/52168684/Rising_Toll_of_Frauds_in_Banking_A_Threat_for_the_Indian_Economy">Rising Toll of Frauds in Banking: A Threat for the Indian Economy</a></div><div class="wp-workCard_item"><span>Journal of Technology Management for Growing Economies</span></div><div class="wp-workCard_item"><span class="js-work-more-abstract-truncated">Banking is a process which predicts the relationship between sources of funds and their applicati...</span><a class="js-work-more-abstract" data-broccoli-component="work_strip.more_abstract" data-click-track="profile-work-strip-more-abstract" href="javascript:;"><span> more </span><span><i class="fa fa-caret-down"></i></span></a><span class="js-work-more-abstract-untruncated hidden">Banking is a process which predicts the relationship between sources of funds and their application. The basic process of banking helps the society to bridge the gap between availability and usage of these available funds in a correct manner. Over the years the banks have developed in a very big way, and with the growth of banking business, banking frauds have taken birth. The history of banking frauds is almost as old as the banking startup. Today, bank frauds have taken all possible forms and are prevalent in every facet of banking. There is a spirited need for banks to always stay alive to threat of frauds, build strong systems that can shield, pre-empt frauds, continuously monitor and review the efficiency of such preventive systems. To succeed in controlling frauds, banks need to be proactive and pre-emptive. This study establishes a theoretical framework with regards to banking frauds in the Indian context as well as shows the picture of frauds in banking sector outside India....</span></div><div class="wp-workCard_item wp-workCard--actions"><span class="work-strip-bookmark-button-container"></span><a id="ec01cca7ba72915a09ef299e9b9ee070" class="wp-workCard--action" rel="nofollow" data-click-track="profile-work-strip-download" data-download="{"attachment_id":69557992,"asset_id":52168684,"asset_type":"Work","button_location":"profile"}" href="https://www.academia.edu/attachments/69557992/download_file?s=profile"><span><i class="fa fa-arrow-down"></i></span><span>Download</span></a><span class="wp-workCard--action visible-if-viewed-by-owner inline-block" style="display: none;"><span class="js-profile-work-strip-edit-button-wrapper profile-work-strip-edit-button-wrapper" data-work-id="52168684"><a class="js-profile-work-strip-edit-button" tabindex="0"><span><i class="fa fa-pencil"></i></span><span>Edit</span></a></span></span></div><div class="wp-workCard_item wp-workCard--stats"><span><span><span class="js-view-count view-count u-mr2x" data-work-id="52168684"><i class="fa fa-spinner fa-spin"></i></span><script>$(function () { var workId = 52168684; 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