Skip to main content


Journal Issues

A Study on the Impact of Customer Relationship Management in Co-operative Banks: A Kerala Statewide Analysis
Dr.E. Mubarak Ali Associate Professor & Head, PG & Research Department of Commerce, Jamal Mohammed College (Autonomous), Trichy. (Affiliated to Bharathidasan University)
Pages: 1-13 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract
This study explores the impact of Customer Relationship Management (CRM) in cooperative banks, particularly in rural areas where such banks play a vital role in supporting agricultural and small-scale economic activities. Cooperative banks are integral to rural development, providing financial services like loans, deposits, and credit facilities while fostering trust among customers. CRM, as a strategic initiative, is crucial for retaining customers and enhancing satisfaction, especially in the competitive banking environment.
The study examines CRM practices in cooperative banks, focusing on customer expectations, satisfaction, and service improvements post-demonetization. Using both primary and secondary data, the research gathered insights from 150 customers across Kerala through questionnaires and interviews. The findings reveal that CRM significantly impacts customer trust, service quality, and loyalty.
Despite certain limitations, such as reliance on respondents' memory and challenges with illiterate participants, the study provides valuable recommendations for cooperative banks to develop innovative CRM measures, improve service offerings, and maintain strong customer relationships.

REFERENCES
1. DrKamat S G, “ Management of Co-operative banks’. Himalaya publications.
2. DrParthoPratim Ray,” Management of Co-operative banks”. Himalaya publications.
3. Smith JS, Fox GL, Ramirez E. An integrated perspective of service recovery: A socio technical systems approach. Journal of Service Research. 2010.
4. Trepper C. Match your CRM tool to your business model. Information week. 2000;
5. MadhuJasola, Shivani Kapoor, “CRM: A competitive tool for Indian Banking sector”, 2008
6. Rajagopal, Romulo Sanchez (2005) Analysis of Customer Portfolio and Relationship Management Models: Bridging Managerial Gaps, Journal of Business and Industrial Marketing.
7. Ramachandran, A., & Chidambaram, V. (2012). A review of customer satisfaction towards service quality of banking sector.
8. Dr.NEERAJ.K.DUBEY, Associate Professor VaikunthMetha National Institute of Cooperative Management;- Customer Relationship Management Practices In Branches Of State Cooperative Bank In Lucknow City.
9. Dr. Mohanadasan T;- Journal of Positive School Psychology http://journalppw.com 2022, Vol. 6, No. 4, 9406 – 9417, Customer Relationship Management Skill: A Sector-Wise Analysis Of The Variation Among The Bank Managers In Kerala
10. https://www.researchgate.net/publication
11. https://tojqi.net/index.php/journal/article/view/2605/1725

A Neuro-Financial Approach to Investor Behaviour towards Market Crash.
V.P Syed Abdullahil Hammad Research Scholar, PG & Research Department of Commerce Jamal Mohammed College (Autonomous), (Affiliated to Bharathidasan University), Tiruchirappalli
Pages: 14-25 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract
Neuro finance is the interdisciplinary field that integrates neuroscience and behavioural finance to examine the decision-making mechanism. This field combines insights from neuroscience, psychology, and economics to provide a more nuanced understanding of investor behaviour, which often deviates from the perfectly rational models assumed in traditional finance. This study examines the neuro-psychological factors involved in investor behaviour during unpredictable occurrences with significant market impacts. The data was collected from 200 active retail investors in Kerala who have been regularly buying and selling stocks over the past six months, completing at least five transactions per month. The study employed Structural Equation Modeling (SEM) to examine the relationships between biases, heuristics, neurotransmitters, and investor behaviour. The results confirm that biases, heuristics, and neurotransmitters significantly influence investor behaviour during unexpected market crash, while herding behaviour has no substantial effect.

REFERENCES

  1. Adnan Ali, Farzand Ali Jan, & Mughira Jehanzeb. (2015). Effects of stock market crash on investors behavior. Journal of Management, 13-21.

  2. Ahmad, Mumtaz. (2018). Impact of Neurotransmitters, Emotional Intelligence and Personality on Investor’s Behavior and Investment Decisions. Pakistan Journal of Commerce and Social Science., 330-362.

  3. Azam, Anwar, Khan, Muhammad, & Waqas. (2024). Behavioral Finance Factors Influence on Investment Decision Making of Individual Investors in PSX and PMEX. Journal of accounting and finance in emerging economies.

  4. Elena Ortiz-Teran, Ibai Diez, Jorge Sepulcre, Joaquin Lopez-Pascual, & Tomas Ortiz. (2021). Connectivity adaptations in dopaminergic systems define the brain maturity of investors. Scientific Reports.

  5. Gorsuch, R. L. (1983). Factor Analysis (2nd ed.). New York: Psychology Press. doi:https://doi.org/10.4324/9780203781098

  6. Jinesh Jain , Nidhi Walia, Himanshu Singla, Simarjeet Singh, Kiran Sood, & Simon Grima. (2023). Heuristic Biases as Mental Shortcuts to Investment Decision-Making: A Mediation Analysis of Risk Perception. risks, 72-72.

  7. K, Arjun, Goud., Dr., K., V., R., Satya, Kumar., & Dr., P. Chakradhar. . (2024). A study on behavioural finance and its impact on decision making of an investment. EPRA international journal of economics, business and management.

  8. Khan A, & Mubarak MS. (2020). Measuring the role of neurotransmitters in investment decision: A proposed constructs. Int J Fin Econ., 1–17. 

  9. Marcelina, Piotrowski., Christian, & Bünnings. (2022). How heuristics in judgement influence the securities investment decision process. . Journal of Financial Services Marketing, 1-9.

  10. Mikella A. Green, Jennifer L. Crawford, Camelia M. Kuhnen, Gregory R. Samanez-Larkin, & Kendra L. Seaman. (2023). Multivariate associations between dopamine receptor availability and risky investment decision-making across adulthood. Cerebral cortex communications.

  11. Mohan, Prasad, & Sapkota., Dhan, Raj, Chalise. (2023). Investors’ Behavior and Equity Investment Decision: An Evidence from Nepal. Binus business review : management, accounting and hospitality management, 209-221.

  12. Mudunuri, Padmanabha, Raju, Chokkamreddy, & Prakash. (2024). Exploring Cognitive and Emotional Influences on Investment Decisions: An Analysis of Psychological Factors Affecting Investor Behavior. . International Journal of Advanced Research in Science, Communication and Technology, 342-354.

  13. Ning Tang. (2021). Cognitive abilities, self-efficacy, and financial behavior. Journal of Economic Psychology.

  14. Peterson, R., & Kim, Y. (2013). On the relationship between coefficient alpha and composite reliability. Journal of Applied Psychology, 194–198.

  15. Rafał, Muda., Mariusz, Kicia., Małgorzata, Michalak-Wojnowska., Michał, Ginszt., Agata, Filip., Piotr, Gawda., & Piotr, Majcher. (2018). The Dopamine Receptor D4 Gene (DRD4) and Financial Risk-Taking: Stimulating and Instrumental Risk-Taking Propensity and Motivation to Engage in Investment Activity. Frontiers in Behavioral Neuroscience.

  16. Sahi SK. (2017). Psychological biases of individual investors and financial satisfaction. J Consumer Behav., 511–535.

  17. Steven, G., Sapra., Paul, J., Zak. . (2008). Neurofinance: Bridging Psychology, Neurology, and Investor Behavior. Social Science Research Network.

  18. Sydney, Ferreira, Santos., Rodolfo, Leandro, de, Faria, Olivo., George, André, Willrich, Sales., & Fabiana, Lopes, da, Silva. (2023). Heuristics and Stock Buying Decision: Evidence from Brazil, Pakistan, and Malaysia Stock Markets. . International journal of social science studies.

Impact on Customer Satisfaction towards Online Shopping Chennai District
Dr S Sridharan Assistant Professor Department of Business Administration. Sir Theagaraya College Chennai -600021.
Pages: 23-48 | First Published: 05 Feb 2025
Full text | Abstract | PDF | References | Request permissions

Abstract 

In the way of digital advertising and net communiqué commercial enterprise companies are coordinating tremendous marketing and marketing activities which includes market studies, product development, tell customers approximately product capabilities, promotion, consumer offerings, purchaser remarks and so on. Online shopping for is used as a medium for conversation and digital trade, it is to boom or enhances in cost, notable, and elegance of handing over consumer advantages and higher delight, this is why online purchasing is more consolation and daily growing its reputation. The virtual advertising gamers are namely online advertising and advertising and marketing, on-line advertising interest takes area inside the draw round of purchasing and selling interest, making the method remain whole. The online market is dominated by way of potential clients each on the domestic and foreign level. It is usual and there is a risk for the customers to lose their interest and their energy being affected due to Consumers ‘delight and outlook closer to Online Shopping and the consequential publicity. Further, there is study enables to research the diverse demographic elements which have an impact on the choice making method of different of clients ‘expectation and desire toward Online Shopping. The take a look at covers the customers’ delight and attitude towards Online Shopping. Our awareness of the problem regions is Consumers’ outlook towards online buying to decide the attractive factors that have an effect on customers to purchasing and people factors with assist marketer to formulate their strategies towards online marketing respectively. Keywords: Online Shopping, Customer Satisfaction, and online buying behavior

References

1.Manmeet Singh & Vyas (2009), Capital adequacy and Scheduled Private sector Banks in India, volume – I No – 1 May-August 2009, 1 -13. 

2. Malgorzata Bialas and Adrian Solek (2010), Evolution of capital adequacy ratio, Recent issues in economic development Economics & Sociology, Vol.3, No2, 2010 48-57.

 3. Khalid Ashraf Chishty (2011), The impact of capital adequacy requirements on profitability of Private sector Banks in India, International journal of research in commerce & management vol 2(2011), No.7 (July) 122- 129. 

4. Tariq Zafar, Adeel Maqbool, Syed Imran Nawab Ali (2012), A Study of Ten commercial bank’s financial performance using CAMELS methodology, volume vii, no.1, June 2012 15-27. 

5. Narasimhan and Mridula Goel (2013), Capital adequacy and its relevance to the Indian banking sector: A study of four banks, International Research Journal of Social Sciences, Vol. 2(11), 1 – 5, November (2013). 

6. Mandeep Kaur and Samriti Kapoor (2014), Capital adequacy growth in banks: An Indian scenario, Amity business review vol. 15, No.1 JanuaryJune, 2014. 

7. Rajni Rani (2015), NPA and Performance of Public and Private Sector: An Empirical Investigation, Airo International Research Journal Volume VI 2 – 10, December 2015. 

8. Suman Goel and Raj Kumar (2016), Comparing Capital adequacy ratio of Indian Public sector banks in view of Basel II Norms, Apeejay – Journal of Management Sciences and Technology, 3(2), 20-25 February- 2016. 

9. Rakesh Kumar and Bimal Anjum (2017), Capital adequacy ratio as a performance indicator of the banking sector in India – An analytical study of selected banks, Account and Financial Management Journal Volume 2 Issue 6 June 2017 798-804.

A Study on a Customer Perception and Satisfaction towards Tata Motor Cars with reference to Tiruchirappalli City
M. Mohamed Thanseer Ph.D Full Time Research Scholar , PG and Research Department of Commerce, Jamal Mohamed College (Autonomous), (Affiliated to Bharathidasan University), Tiruchirappalli.
Pages: 26-33 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract
Automotive industry is one of the main pillars of Indian economy. It is one of most important indicators of purchase intentions and customer loyalty. It helps us to predict business growth and revenue. Consistency is secret ingredient to making customer happy. For this study purpose collecting sample size of 150 respondents. This industrial research report focuses on identifying customer perception and satisfaction with Tata Motors in Tiruchirappalli city. The study aims to identify factors affecting Tata Motors' sales, as consumers' perceptions may differ from the producer's intended offerings, which can negatively impact both parties in today's competitive environment. The study used a questionnaire that included questions about the cost of the car, its fuel efficiency, how well it was maintained, the aftersales services the company gave, the financial services it provided for the purchase, its performance.

REFERENCES
1. Man, M. M. K., & Yang, L. R. (2023). Factors Affecting Customer Satisfaction in Purchasing Car. International Journal of Marketing Studies, 15(1), 1-12.
2. Dr P Kuppuraj, G Sabarinathan and M Mohan (2019), A Study on Customer Satisfaction towards Tata Motors in Tiruchirappalli North. Volume-4, Issue-03, March-2019, ISSN:2455-385(Online), Research Review International Journal of Multidisciplinary www.rrjournals.com (UGC listed Journal).
3. Joshi, Krishna, and ChetnaParmar. "A study on Fundamental Analysis–Factors affecting Selection of Security for Portfolio Construction with special reference to Automobile Industry." (2017).
4. S Jyothirmayi Reddy, B Venkateswara Reddy, Prof S Durga Rao (2016), Study on customer Satisfaction towards Tata Motor cars in Andhra Pradesh.
5. Binodini, Ratna, and Amiya Priyadarshini Das."Review of Social Exclusion and Inclusive Policy in India." Economic Affairs 58.1 (2013): 43-47.
6. M Shanthini Devi, S Arun Priya (2013), Study on customer satisfaction towards Tata nano car with special reference to Tiruchirappalli city. Volume-2, issue:8, ISSN No 2277-8160.
7. Dr Sandesh Kumar Sharma, Kiran Sharma, Makshud Khan (2011), A Study and Analysis of Customer Satisfaction of Tata Motors in Jaipur, Rajasthan. Volume-2(4),2011,250-257, ISSN:2229-6247.

An Analysis of the Variables Influencing Consumer Behavior with Regard to Online Food Delivery Services.
R. Padmanaban PhD. (FT) Research Scholar, P.G & Research Department of Commerce, Jamal Mohamed College (Autonomous), (Affiliated to Bharathidasan University) Tiruchirappalli.
Pages: 34-40 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract
The online food delivery industry has emerged as a new channel of food delivery and marketing in order to capture a bigger share and sale in the food industry. This new type of business delivery has become very popular, especially among young, busy and working people. In addition, this business has become more competitive due to the increasingly new business entries and users’ expectation resulted from the anxiety of online food ordering and time convenience, but not at the expense of providing quality products and services. Therefore, it is very crucial that online service providers understand the nature and requirements as well as the pertinent aspects of the online service industry that are considered important to the customers in this emerging market. This study tries to explore and gauge information to guide the online service providers regarding the requirements and attributes of this new service delivery system.

REFERENCES
1. Agarwal R, Prasad J. A conceptual and operational definition of personal innovativeness in the domain of information technology. Information systems research. 1998 Jun;9(2):204-15
2. Brady MK, Cronin Jr JJ. Some new thoughts on conceptualizing perceived service quality: a hierarchical approach. Journal of marketing. 2001 Jul;65(3):34-49.
3. Amir, H. and Rizvi, W., 2017. Influence of perceived risk and familiarity on willingness to transact in online food shopping in developing economies: an (extended) abstract. in Stieler, M. (Ed.), Creating Marketing Magic and Innovative Future Marketing Trends, Springer, Cham, pp. 891-895.
4. Arora, N. and Aggarwal, A. (2018). The role of perceived benefits in formation of online shopping attitude among women shoppers in India. South Asian Journal of Business Studies, 7(2), 91-110.

Green Entrepreneurship in Chennai: A Catalyst for Sustainable Economic Growth and Achieving SDG 8
M. N.Aishwarya Anandavalli Full-time Research Scholar, Faculty of Science and Humanities, SRMIST Kattankulathur – 603203.
Pages: 41-47 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract
The Sustainable Development Goals (SDGs) are a set of 17 global objectives established by the United Nations to address critical social, economic, and environmental issues by 2030. Among these, Goal 8 focuses on promoting inclusive and sustainable economic growth, productive employment, and decent work for all. Green entrepreneurship is essential in achieving this goal by combining business innovation with environmental sustainability. It helps create jobs, reduces environmental impact, and fosters long-term economic growth.
In Tamil Nadu, a state known for its strong industrial base and agricultural heritage, green entrepreneurship has significant potential to address economic and environmental challenges. From renewable energy projects like solar and wind power to sustainable farming and eco-friendly manufacturing, green businesses are contributing to economic development while preserving natural resources. These efforts align with the objectives of SDG 8 by generating employment and promoting sustainable economic practices in the region.
This study uses a survey-based research methodology to understand the role of green entrepreneurship in achieving SDG 8 in Chennai. The survey collects data from entrepreneurs, green products customers, and academicians to assess their awareness, challenges, and strategies for green business practices. The findings aim to highlight how green entrepreneurship can drive inclusive growth and sustainable development in Chennai while addressing unemployment and environmental issues. This research underscores the importance of green entrepreneurship as a key strategy to achieve SDG 8 and build a sustainable and inclusive future for Chennai

REFERENCES
1. Hall, J. K., Daneke, G. A., & Lenox, M. J. (2010). Sustainable development and entrepreneurship: Past contributions and future directions. Journal of Business Venturing, 25(5), 439-448. https://doi.org/10.1016/j.jbusvent.2010.01.002
2. International Labour Organization. (2019). Decent work and the Sustainable Development Goals. Retrieved from https://www.ilo.org
3. Jain, P., & Sharma, S. (2021). Role of green entrepreneurship in achieving sustainable development goals. Journal of Sustainable Business Practices, 3(2), 45-58.
4. Kumar, R. (2020). Tamil Nadu’s progress in achieving Sustainable Development Goal 8. Economic Review of States, 12(3), 34-42.
5. Ramanathan, S. (2022). Green entrepreneurship as a pathway to SDG 8: A Tamil Nadu perspective. Indian Journal of Entrepreneurship, 8(1), 56-67.
6. Schaper, M. (2010). Understanding the green entrepreneur. International Journal of Entrepreneurship and Small Business, 31(4), 46-63.
7. Tamil Nadu Planning Commission. (2021). Annual report on SDG implementation in Tamil Nadu. Retrieved from https://www.tn.gov.in
8. United Nations. (2015). Transforming our world: The 2030 Agenda for Sustainable Development. Retrieved from https://sdgs.un.org
9. UNDP. (2020). SDG 8: Decent work and economic growth. Retrieved from https://www.undp.org
10. Wicklum, M. (2019). Green entrepreneurship: A new pathway for sustainable economic growth. Sustainable Economy Journal, 5(4), 22-30

UPI - A Paradigm Shift in India's Digital Payment Ecosystem
Dr. M. Balasubramanian Assistant Professor & Research Advisor, PG & Research Department of Commerce, Jamal Mohamed College (Autonomous), Tiruchirappalli, Tamil Nadu, India. (Affiliated to Bharathidasan University).
Pages: 48-56 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract
This paper analyzes the impact of the Unified Payments Interface (UPI) on India's digital payment ecosystem since its inception in 2016. Following India's demonetization policy, UPI emerged as a critical infrastructure that changed how people conduct financial transactions. The research analyzes the evolution and impact of UPI by focusing on its technological framework, market adoption, and role in promoting financial inclusion.The study investigates how private sector players like Google Pay, PhonePe, and Paytm utilized UPI to develop accessible payment solutions. Through data analysis, the research identifies key players that drove UPI's widespread adoption on different segments of society. The findings highlight UPI's significant impact on financial inclusion and digital payment adoption while acknowledging challenges in security and regulatory compliance. This research contributes to understanding how technological innovation in payment systems can transform financial behaviors and promote economic inclusion. The insights from this study are relevant for policymakers, financial institutions, and technology providers working on digital payment solutions in developing economies.

REFERENCES
1. Bagla, R. K., & Sancheti, V. (2021). Digital Payment Service in India - A Case Study of Unified Payment Interface. Journal of Management (JOM), 8(4), 65-72. https://doi.org/10.34218/JOM.8.4.2021.008
2. UPI Product Statistics. (2024, December 25). NPCI. Retrieved January 12, 2025, from https://www.npci.org.in/what-we-do/upi/product-statistics
3. Baheti, G., Toshniwal, N., & Bhuriya, K. (2024). THE GLOBAL EVOLUTION OF THE UNIFIED PAYMENTS INTERFACE (UPI): a CATALYST FOR DIGITAL FINANCIAL INCLUSION. Journal of the K.R. Cama Oriental Institute, 31–32.
4. Ramachandran, Kalyanasundharam. (2018). UNIFIED PAYMENTS INTERFACE (UPI) -TRANSFORMATION OF DIGITAL PAYMENT SYSTEMS IN INDIA. 5. 42-48.
5. Rajendran, G., Sivabushanan, V., & S, S. (2022). A Paradigm Shifts in Digital Payment Transactions: UPI, IMPS & NFS Before and After COVID-19 to seize opportunity of cashless economy in India. Central European Management Journal, 916–916. https://www.researchgate.net/publication/364994656
6. Digital Payments driving the growth of Digital Economy | National Informatics Centre | India. (n.d.).
7. Unified Payments Interface (UPI) Product Statistics | NPCI. (n.d.). Retrieved January 15, 2025, from https://www.npci.org.in/what-we-do/upi/product-statistics
8. Unified Payments Interface (UPI) Ecosystem Statistics | NPCI. (n.d.). Retrieved January 15, 2025, from https://www.npci.org.in/what-we-do/upi/upi-ecosystem-statistics

Customer Satisfaction towards Wired Internet Service Provided by Jio Fiber
M. Mohamed Arief Ph.D Full Time Research Scholar, PG & Research Department of Commerce, Jamal Mohamed College (Autonomous), (Affiliated to Bharathidasan University), Tiruchirappalli.
Pages: 57-63 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract
Broadband is defined as a fast connection to the internet that is always on. It allows the user to send e - mails, download images and music, watch videos, etc. This study analyzes the factors that influence the customers to go for JIO Fiber, customers opinion on JIO Fiber and also study the problems faced by JIO Fiber subscribers. The results show that the brand name and low charges are the main factors which influence the customers to subscribe JIO Fiber. But the company should improve the quality of service, the internet access speed, the download limit and also the Internet speed.

REFERENCES
1. Tien, N. H., & Huong, L. T. M. (2023). Factors affecting customers satisfaction on public internet service quality in Vietnam. International Journal of Public Sector Performance Management, 1(1).
2. Yusof, Z. M., Nagapan, K., Amir, S., Nasir, N., &Zulhafizsyam, W. M. (2022). The Influence of Service Quality on Customer Satisfaction towards Internet Service Providers among Malaysian. International Journal of Business and Technopreneurship (IJBT), 12(1), 33-44.
3. Hendeniya, H. M. U. S., & Fernando, A. L. (2022). Impact of internet service quality on customer satisfaction special reference to internet service providers during covid–19 period. Sri Lanka Journal of Marketing, 8(0), 61.
4. Abdullah, N. N., & Afshar, P. A. (2019). Investigating research and development costs on the profitability of Iranian industries. Journal of Organizational Behavior Research., 1-14.
5. Ali, B., Gardi, B., Othman, B. J., & Ahmed, A. S. (2021). Hotel Service Quality: The Impact of Service Quality on Customer Satisfaction in Hospitality. International Journal of Engineering, Business and Management (IJEBM), 14-28.
6. Sasono, I., JUBAEDI, A. D., NOVITASARI, D., WIYONO, N., RIYANTO, R., OKTABRIANTO, O., ... & WARUWU, H. (2021). The impact of e-service quality and satisfaction on customer loyalty: Empirical evidence from internet banking users in Indonesia. The Journal of Asian Finance, Economics and Business, 8(4), 465-473.

E-Commerce Models and Technology for Sustainable Development: An Overview of Indian Case Study
Dr. G.Hadi Mohamed Assistant Professor, PG & Research Department of Commerce, Jamal Mohamed College (Autonomous), (Affiliated to Bharathidasan University), Tiruchirapplli.
Pages: 64-71 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract
E-commerce models are essential in sustainable development globally they are among the most important technology and innovation of India’s pillars. Technologies are essential parts of the strategic approach that aims to become a completely paperless city through digitalisation. The analyses begin with reviewing the most relevant literature on sustainable e-commerce and the e-commerce models. The primary outcome of this research demonstrated how a thriving environment, marked by adequate investments and opportunities provided by the government, supported e-commerce development and technology adoption. Subsequently, those models are matched with sustainable strategies. The analysis is carried out through an organic growth research framework.

REFERENCES
1. Ahmed, W.K.; Alhamad, I.M. 3D printing innovations in UAE: Case study: Abu Dhabi
2. summer challenge 2022. In Proceedings of the 2023 Advances in Science and Engineering Technology International Conferences (ASET), Dubai, Sharjah, Abu Dhabi, United Arab Emirates, 6 February–5 April 2023; pp. 1–5. [Google Scholar].
3. Hasan, L. Key Design Characteristics for Developing Usable E-Commerce Websites in the Arab World. Informing Sci. Int. J. Emerg. Transdiscipl. 2016, 19, 253–275. [Google Scholar] [CrossRef]
4. Momin, S. E-Commerce Acceptance and Implementation Among Consumers in the UAE:
5. An Opportunity to Build Human Capital for Future Jobs in Technology and Marketing. In
6. Human Capital in the Middle East; Springer: Berlin/Heidelberg, Germany, 2022; pp. 253–
7. 272. [Google Scholar] [CrossRef]
8. Baskaran, K.; Rajavelu, S. Digital Innovation in Industry 4.0 Era–Rebooting UAE’s Retail.
9. In Proceedings of the 2021 International Conference on Communication and Signal
10. Processing (ICCSP), Chennai, India, 28–30 July 2022; pp. 1614–1618. [Google Scholar]
11. Rao, P.; Vihari, N.S.; Jabeen, S.S. E-commerce and Fashion Retail Industry: An Empirical
12. Investigation on the Online Retail Sector in the Gulf Cooperation Council (GCC) Countries.
13. ICEB 2021 Proc. 2020. [Google Scholar] www.smartdubai.com www.digitaldubai.com www.eng-archive.aawsat.com

India as an Emerging Hub of Global Manufacturing and Reliable Supply Chain- A Blockchain Perspective in Exports
Dr.A.S.Kalyana Kumar Associate Professor, IPE Hyderabad.
Pages: 72-77 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract
The implementation of blockchain in agriculture could revolutionize the sector by creating an immutable record of transactions, from farm to fork. This would not only ensure food safety and quality but also enable fair pricing and reduce intermediaries, directly benefiting farmers. Moreover, smart contracts on the blockchain could automate payments and enforce agreements, streamlining processes and reducing disputes in the agricultural supply chain. These advancements align with the "Make in India" initiative by fostering innovation, attracting investments, and positioning India as a leader in agri-tech solutions.
Technology-driven, integrated supply chains enable entities to reduce inventory and costs, add product value, extend resources, accelerate time to market, expand market, increase pricing for sellers and variety for buyers as well as retain customers. In order to have a successful supply chain, the Indian Government has sought to involve multiple stakeholders to improve interactions between farmers, processors, distributors and retailers. The Indian government’s focus is on supply chain-related infrastructures like cold storage, abattoirs and food parks.

REFERENCES
1. -, A., -, T., -, R., -, Z., & -, S. (2024). Traceability of Fruits and Vegetables Agricultural Products using Blockchain. International Journal For Multidisciplinary Research, 6(3). https://doi.org/10.36948/ijfmr.2024.v06i03.19943
2. Adewusi, A., Chiekezie, N., & Eyo-Udo, N. (2023). Blockchain technology in agriculture: Enhancing supply chain transparency and traceability. Finance & Accounting Research Journal, 5(12), 479–501. https://doi.org/10.51594/farj.v5i12.1514
3. Aung, M. M., & Chang, Y. S. (2022). Food Traceability (pp. 119–135). springer. https://doi.org/10.1007/978-3-031-09567-2_8
4. Choudhury, R. N. (2020). Why did make in India scheme fail to attract FDI inflows in Indian manufacturing sector? Journal of Public Affairs, 22(1). https://doi.org/10.1002/pa.2341
5. Chung, S., Lee, C. H., Kim, K., & Oh, W. (2023). Interdependence between online peer‐to‐peer lending and cryptocurrency markets and its effects on financial inclusion. Production and Operations Management, 32(6), 1939–1957. https://doi.org/10.1111/poms.13950
6. Dange, S., &Nitnaware, P. (2023). Secure Share: Optimal Blockchain Integration in IoT Systems. Journal of Computer Information Systems, 64(2), 265–277. https://doi.org/10.1080/08874417.2023.2193943
7. Duan, J., Zhang, M., & Xiao, B. (2024). Exploring the Application of Blockchain Technology in Logistics and Transportation System. Frontiers in Business, Economics and Management, 14(2), 111–114. https://doi.org/10.54097/4990y379
8. Hasan, I., & Habib, M. (2022). Agri-Food Supply Chain (ASC) in Bangladesh: A Linear Physical Flow. International Supply Chain Technology Journal, 8(12). https://doi.org/10.20545/isctj.v08.i12.03
9. Jabade, V., Pawar, M., & Powar, S. (2023). Blockchain based Application for Fake Product Detection. INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN
ENGINEERING AND MANAGEMENT, 07(11), 1–11. https://doi.org/10.55041/ijsrem27187
10. Jaiswal, A., G.M, M., Modi, C., Chandel, S., Muzumdar, A., & Vyjayanthi, C. (2019, December 1). A Conceptual Framework for Trustworthy and Incentivized Trading of Food Grains using Distributed Ledger and Smart Contracts. https://doi.org/10.1109/indicon47234.2019.9030290
11. Kimta, A., & Dogra, R. (2024). Artificial Intelligence in the Pharmaceutical Sector of India: Future Prospects and Challenges. Journal of Business and Econometrics Studies, 1–5. https://doi.org/10.61440/jbes.2024.v1.21
12. Kumarathunga, M., Calheiros, R., &Ginige, A. (2020). Towards Trust Enabled Commodity Market for Farmers with Blockchain Smart Contracts. 4, 75–82. https://doi.org/10.1145/3399871.3399891
13. Kumarathunga, M., Ginige, A., & Calheiros, R. N. (2022). Smart Agricultural Futures Market: Blockchain Technology as a Trust Enabler between Smallholder Farmers and Buyers. Sustainability, 14(5), 2916. https://doi.org/10.3390/su14052916
14. Lagi, M., Bar-Yam, Y., Bertrand, K. Z., & Bar-Yam, Y. (2015). Accurate market price formation model with both supply-demand and trend-following for global food prices providing policy recommendations. Proceedings of the National Academy of Sciences, 112(45). https://doi.org/10.1073/pnas.1413108112
15. Lagi, M., Bertrand, K. Z., Bar-Yam, Y., & Bar-Yam, Y. (2011). The Food Crises: A Quantitative Model of Food Prices Including Speculators and Ethanol Conversion. SSRN Electronic Journal. https://doi.org/10.2139/ssrn.1932247
16. Liu, F., Park, K., & Whang, U. (2019). Organizational Capabilities, Export Growth and Job Creation: An Investigation of Korean SMEs. Sustainability, 11(14), 3986. https://doi.org/10.3390/su11143986
17. Margarida Cachada, A., Badikyan, H., Parra, J., Leitão, P., Anzola-Rojas, C., & Prieta, F. D. L. (2022, March 15). BLOCKCHAIN TECHNOLOGIES TO IMPLEMENT TRACEABILITY IN THE FARM TO FORK CHAINS. https://doi.org/10.14201/0aq03112742
18. Menon, K. N., James, D., Titus, D. J., Thomas, J., & Thomas, K. (2021). ColdBlocks: Quality Assurance in Cold Chain Networks Using Blockchain and IoT (pp. 781–789). springer singapore. https://doi.org/10.1007/978-981-15-9927-9_76
19. Mhlanga, D. (2023). Block chain technology for digital financial inclusion in the industry 4.0, towards sustainable development? Frontiers in Blockchain, 6. https://doi.org/10.3389/fbloc.2023.1035405
20. Oriekhoe, O., Adisa, O., &Ilugbusi, B. (2024). ENSURING GLOBAL FOOD SAFETY: INTEGRATING BLOCKCHAIN TECHNOLOGY INTO FOOD SUPPLY CHAINS. Engineering Science & Technology Journal, 5(3), 811–820. https://doi.org/10.51594/estj.v5i3.905
21. Oriekhoe, O., Ihemereze, K., Ikwue, U., Ashiwaju, B., & Udeh, C. (2024). BLOCKCHAIN TECHNOLOGY IN SUPPLY CHAIN MANAGEMENT: A COMPREHENSIVE REVIEW. International Journal of Management & Entrepreneurship Research, 6(1), 150–166. https://doi.org/10.51594/ijmer.v6i1.714
22. P S, S., & K V, L. (2021, January 20). Blockchain based Smart Contracts in Automation of Shipping Ports. https://doi.org/10.1109/icict50816.2021.9358634
23. Pakseresht, A., Xhakollari, V., & Ahmadi Kaliji, S. (2022). How Blockchain Facilitates the Transition toward Circular Economy in the Food Chain? Sustainability, 14(18), 11754. https://doi.org/10.3390/su141811754
24. Panwar, A., Sugandh, U., Misra, S., & Khari, M. (2023). Blockchain in Agriculture to Ensure Trust, Effectiveness, and Traceability from Farm Fields to Groceries. Future Internet, 15(12), 404. https://doi.org/10.3390/fi15120404
25. Park, N.-K., & Choi, W.-Y. (2014). 중국동북부지역콜드체인네트워크설계에관한연구. Journal of Fisheries and Marine Sciences Education, 26(4), 760–768. https://doi.org/10.13000/jfmse.2014.26.4.760
26. Patel, A. S., Brahmbhatt, M. N., Bariya, A. R., Nayak, J. B., & Singh, V. K. (2023). “Blockchain technology in food safety and traceability concern to livestock products.” Heliyon, 9(6), e16526. https://doi.org/10.1016/j.heliyon.2023.e16526
27. Quintana, A. A., Chong, M., Cordova, M. L., &Camaro,M.A, P. J. (2022). The Impact of Logistics on Marketing Margin in the Philippine Agricultural Sector. Journal of Economics, Finance and Accounting Studies, 3(2), 300–317. https://doi.org/10.32996/jefas.2021.3.2.27
28. Ryan, J. M. (2017). Chapter 7 - In-transit temperature control monitoring and traceability standards. In Guide to Food Safety and Quality During Transportation (pp. 223–256). elsevier. https://doi.org/10.1016/b978-0-12-812139-9.00007-1
29. Schewe, J., Frieler, K., & Otto, C. (2017). The role of storage dynamics in annual wheat prices. Environmental Research Letters, 12(5), 054005. https://doi.org/10.1088/1748-9326/aa678e
30. Tang, F. (2023). Application of a Cold-Chain Logistics Distribution System Based on Cloud Computing and Web Delivery Date Management. International Journal of Information Systems and Supply Chain Management, 16(1), 1–16. https://doi.org/10.4018/ijisscm.318644
31. Yang, J. (2024). Application of Blockchain Technology in Real Estate Transactions Enhancing Security and Efficiency. International Journal of Global Economics and Management, 3(3), 113–122. https://doi.org/10.62051/ijgem.v3n3.14

Impact of Multisensory Cues in Consumer’s Preference towards Food Products in Tiruchirppalli District
C.Veeralakshmi Ph.D. Research Scholar (Part time), PG & Research Department of Commerce, Jamal Mohamed College (Autonomous), (Affiliated to Bharathidasan University), Tricuchirappalli
Pages: 78-83 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract
In the highly competitive food industry, understanding consumer preferences is crucial for attracting new customers and retaining existing ones. This study explores the impact of multisensory cues—such as visual appeal, aroma, texture, taste, and sound—on consumer preferences for food products in TiruchirappalliCity. Multisensory experiences play a significant role in influencing purchasing decisions, as consumers increasingly select products based not only on their functional needs but also on the sensory and emotional satisfaction they provide.While there is substantial growth potential in the food market, businesses often encounter challenges in reaching their target audience effectively. This research aims to identify the key forces driving consumer preference patterns, particularly focusing on how multisensory cues influence decision-making. It also examines the role of producers' personal interest and creativity in leveraging these cues to gain a competitive edge. By integrating multisensory cues into marketing and advertising efforts, producers can create more engaging and memorable experiences for their customers, fostering loyalty and long-term success.

REFERENCES
1. Danny Tengti Kao; "The Impact of Envy on Brand Preference: Brand Storytelling and Psychological Distance as Moderators", JOURNAL OF PRODUCT & BRAND MANAGEMENT, 2019.
2. Hosun Lee; D. Chang; Sabine A. Einwiller; "A Study on The Dynamics Between The Moral Reasoning Process and Celebrity Image and Their Impact on Consumers’ Support for Celebrity Comebacks After A Transgression", JOURNAL OF PRODUCT & BRAND MANAGEMENT, 2020.

Exploring Challenges in Mobile Banking Adoption in India
Dr. Y. Moydheen Sha Assistant Professor, PG & Research Department of Commerce, Jamal Mohamed College (Autonomous), ( Affiliated to Bharathidasan University), Tiruchirappalli, Tamilnadu, India
Pages: 84-94 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract
Mobile Banking is a new and rapidly-adopting alternative banking system. Mobile banking simply means use your mobile phone or cell device to perform online banking tasks such as Monitoring account balance, transferring funds between accounts, bill payment and locating an ATM. Mobile banking is growing yet there are numbers of issues and threats in mobile banking system and the major problem of mobile banking is its non-adoption by the customers. This research focuses on the barriers in adoption of mobile banking. It further focuses on preferred services by the mobile banking customers and influence of demographic variable on mobile banking service adoption. Findings suggest that customers’ security concern is the major barrier in adopting mobile banking services. As far as preferred services are concern balance check tops, as customers prefer information based services rather than financial services provided by the bank

REFERENCES
1. Ahamed, S. B., & Ali, E. M. THE IMPACT OF SOCIAL MEDIA ON CONSUMERSBUYING BEHAVIOUR. Primax International Journal of Marketing (PIJM).
2. Ahmed, M. S., Badhusha, M. H. N., Siddiq, N. M., & Mohamed, I. A. Consumer Preference and Satisfaction towards Domestic Solar Water Heaters in Tiruchirappalli District.
3. Ahamed, D. S. R. (2015). Customer Perception Towards Internet Banking Services In Trichy District. International Journal of Business and Administration Research Review, 1(11), 95-101.
4. Ahamed, S. B., & Ali, E. M. THE IMPACT OF SOCIAL MEDIA ON CONSUMERSBUYING BEHAVIOUR. Primax International Journal of Marketing (PIJM).
5. Ahmed, M. S., Badhusha, M. H. N., & Mohamed, I. A. Impact of Digital Shopping on Consumers’ Purchasing Decisions. Emperor Journal of Economics and Social Science Research, 2(2).
6. Ahmed, K. T. (2018). 41. IMPACT OF TANNERIES WASTE DISPOSAL ON ENVIRONMENT WITH SPECIAL REFERENCE TO VELLORE DISTRICT TAMIL NADU. International Review of Business and Economics, 2, 173-175.
7. Ahmed, K. T. (2018). Impact Of Tanneries Waste Disposal On Environment With Special Reference To Vellore District Tamil Nadu. International Review of Business and Economics, 1(3), 35.
8. Ahamed, D. S. R. (2023). Government secondary schools teacher's attitude towards ICT in Trichy city. Research and reflections on education, 21, 307-314.
9. AHAMED, S. R. ANALYZING THE CUSTOMER DIFFICULTY IN USING INTERNET BANKING SERVICES WITH REFERENCE TO SELECTED PUBLIC SECTOR BANKS.
10. Ahmed, M. S., & Badhusha, M. H. N. (2025). The Impact of Merger and Acquisition on Customers Service of PNB Bank During COVID-19 Pandemic. In Recent Trends In Engineering and Science for Resource Optimization and Sustainable Development (pp. 443-447). CRC Press.
11. Ahmed, M. S. (2020). PREFERENCE AND SATISFACTION TOWARDS TWO WHEELERS WITH SPECIAL REFERENCE TO WOMEN CONSUMERS.
12. Ahmed, M. S., Badhusha, M. H. N., Siddiq, N. M., & Mohamed, I. A. Factors Influencing Consumers’ Purchase Decision towards Online Shopping in Tiruchirappalli District.
13. A.R. Desai and A. Mohiuddin, Involving women in agriculture – Issues and strategies, India Journal of Rural Development, 11(5) (1992), 506-648.
14. Arunmozhi, M., and Gunaseelan ,Rupa. 2018. Corporate Engagement in Corporate Communications of Indian firms. Shanlax International Journal 6 (3): 28-31.
15. Arivazhagan, P. (2019). A Study on Banking Habits of People in Urban and Rural Area. A Journal of Composition Theory.
16. Ali, E. M. E-BANKING-AN OVERVIEW. Primax International Journal of Finance (PIJF).
17. Ameen, A. N., Ahmed, K. T., Ahmed, N. M. F., & Mohamed, I. A. (2024). Consumer Buying Behaviour On Air Conditioner–A Study In Ambur Taluk, Tirupattur District, Tamilnadu. Educational Administration: Theory and Practice, 30(5), 1007-1011.
18. Badhusha, M. H. N. A Study on Consumers online Shopping decisions with reference to Tiruchirappalli District.
19. Badhusha, D. M. (2019). Consumers’ Satisfaction Towards Digital Food Ordering in Tiruchirappalli City. Journal of Composition Theory, 12(9), 1460-1471.
20. Badhusha, M. H. N. (2017). Demonetisation: Impact on Indian Economy and Leads to Cashless Banking Activities. International Journal of Management and Development Studies, 6(1), 63-70.
21. Bharathi and Srikanth. (2015). An Empirical Study on Role of corporate Sector in Women Empowerment. International Multidisciplinary E-Journal, Vol-IV,Issue –VIII, pp 180-189.
22. Brush, C.G. (1992), Research on women business owners, past trends, a new perspective and future dimensions; Entrepreneurship Theory & Practice as in Fenwick T. Women Entrepreneurs: A critical review of literature.
23. Boudreau et al.(2000). Structural Equation Modeling and Regression: Guidelines for Research Practice," Communications of the Association for Information Systems: Vol. 4 , Article 7. Retrieved from https://aisel.aisnet.org/cais/vol4/iss1/7
24. BADHUSHA, M. A CONCEPTUAL STUDY ON ADAPTIVE STRATEGIES AND THE APPLICABILITY OF ARTIFICIAL INTELLIGENCE (AI) TECHNOLOGY IN THE FUTURE OF CONSUMER KNOWLEDGE MANAGEMENT.
25. Caputo R.K. and Dolinsky Arthur (1998), “Women’s Choice of Pursue Self Employment: The Role of Financial and Human Capital of Household Members’’, Journal of Small Business Management, Vol. 36 (2), pp. 8-18.
26. Choudhuri, S., Singh, A., Ravi, R., & Badhusha, M. H. N. (2024). An Analysis of Factors Influencing Consumer Trust in Online Banking Security Measures. Educational Administration: Theory And Practice, 30(2), 660-666.
27. Dutta, C., Jha, S. S., Lakshmi, R. V., Vijayakumar, V., Badhusha, M. H. N., & Trivedi, T. (2024). A Study On The Factors That Influence The Success Of Digital Marketing In A Dynamic Marketing Landscape; A Theoretical And Empirical Integration. Educational Administration: Theory and Practice, 30(4), 3793-3798.
28. Dr. K. Riyazahamed (2019) A Study on Customer Satisfaction towards Net Banking Service with reference to Tiruchirappalli City, Emperor Journal of Economics and Social Science Research [EJESSR] - ISSN No. 2581-8643 (O) Volume - I Issue - 4 April – 2019, DOI - http://doi.org/10.35338/EJESSR.2019.1403
29. G.T. Govindappa, Rural women entrepreneurship- Constraints and strategies, Kurukshetra, 48(2) (1999), 11-14.
30. Hakkeem, D. M. A., & Sha, Y. M. (2015). An empirical study towards customer satisfaction in internet banking services with special reference to Tiruchirappalli district. IJSR-International Journal Of Scientific Research, 4(5).
31. Hakkeem, M. A., & Sha, Y. M. (2015). A study on customer satisfaction in internet banking with special reference to Tiruchirappalli district. International Journal of Marketing and Technology, 5(2), 72.
32. Jhamtani, Rural women: The powerless partners in development, Kurukshetra, 43(8) (1995), 61- 63. Tejaswini and S. Veerabhadraiah, Knowledge assessment of rural women on DWCRA and their problems, Kurukshetra, 51(4) (1996), 46-47.
33. Khan, D. Y. R. (2023). A sociological study on effect of COVID-19 on girls education in selected rural areas of Trichy. Research and reflections on education, 21(1A), 60-68.
34. Khan, Y. R. (2020). Customers perference and satisfaction towards reliance-4 g jio services in Tiruchirappalli district. Jamal Academic Research Journal: An Interdisciplinary, 1(1), 31-37.
35. KHAN, Y. R. PASSENGER SATISFACTION TOWARDS SAFETY AND WELFARE MEASURES PROVIDED AT TIRUCHIRAPPALLI RAILWAY JUNCTION.
36. K, V., & A, M. (2017). Goods and service tax: a roadmap for new indian economy. Journal of Management and Science, 7(2), 406-409. https://doi.org/10.26524/jms.2017.64
37. K, V., & H, J. H. (2017). Gst- a biggest tax reforms in india : an overview. Journal of Management and Science, 7(2), 250-253. https://doi.org/10.26524/jms.2017.33
38. K, V. K., & C. MAITHEEN, J. (2017). Gst impact on the e-commerce sector: an overview. Journal of Management and Science, 7(2), 245-249. https://doi.org/10.26524/jms.2017.32
39. K, V. K., & C, J. (2017). A comparative study of indian gst with canada model. Journal of Management and Science, 7(2), 254-258. https://doi.org/10.26524/jms.2017.34
40. Khan, Y. R., Ahamed, S. R., Ahmed, M. S., Siddiq, N. M., Badhusha, M. H. N., & Mohamed, I. A. Examining Students’ Perception of Online Education in Arts and Science Colleges: Perspectives on Personalized Learning and Emerging Educational Technologies.
41. Mathew, F. A., Pushpa, B. V., Mohapatra, P. P., Pal, S., Ashokkumar, N., & Riyazahamed, K. (2024). Shaping the Future of Higher Education: Perspectives on Outcome-Based Education, Accreditation, and Institutional Rankings. Educational Administration: Theory and Practice, 30(6), 1816-1824.
42. Mohamed, I. A., Sha, Y. M., Ahmed, M. S., & Badhusha, M. H. N. (2021). CONSUMER PERCEPTION TOWARDS APPLE PRODUCTS WITH REFERENCE TO TIRUCHIRAPPALLI DISTRICT.
43. MOHAMED, S. G., & BADHUSHA, M. WEB SHOPPING: AN INTERNATIONAL PERSPECTIVE.
44. NIJANTHAN, R., & VIJAYAKUMAR, K. (2024). IMPACT OF CHANGES IN SERVICE SECTOR IN INDIA IN MODELLING THE FUTURE BUSINESS. VISION INDIA–2047 towards USD 30 Trillion Economy Opportunities and Challenges, 299.
45. NIJANTHAN, R. GST AND ITS IMPACT OF BUYING BEHAVIOUR ON FMCG IN TIRUCHIRAPPALLI DISTRICT Dr. K. VIJAYAKUMAR.
46. Narsis, I. Net Banking Services and Customer Perceived Value.
47. P. Punjabi, Aruna, Patill, R. Prasadh, S. Labhane, and Badhusha MHN, “Navigating the New Wave; Unveiling the Transformation Effects of social media On Digital Marketing in The Emerging Era,” Journal of Informatics Education and Research, vol. 4, no. 1, pp. 35–41, Jan. 2024, doi: 10.52783/jier.v4i1.516.
48. RIYAZAHAMED, K., & ALI, E. M. (2024). EVALUATING INDIA'S FINANCIAL DEVELOPMENT CHALLENGES ON THE PATHWAY TO $5 TRILLION. VISION INDIA–2047 towards USD 30 Trillion Economy Opportunities and Challenges, 18.
49. Riyazahamed, K. E Services and Customer Satisfaction with reference to selected Private Sector banks in Tiruchirappalli district.
50. Rajalakshmi Anantharaman, D. B. M., Thomas, S., Soundarraj, P. L., & Rahul, K. (2024). Analyzing The Role of Digital Marketing in Growth of E-Commerce in India: A Multiple Holistic Approach. Journal of Informatics Education and Research, 4(2).
51. Rajesh, P. G., & Vijayakumar, K. (2018). BRAND LOYALTY OF WOODLAND PRODUCTS WITH SPECIAL REFERENCE TO AEROCLUB WOODLAND PVT. LTD. Scholars Association of Kerala, 8(4-A), 116.
52. RAHMAN, T. H., AHMED, K. T., MOHAMED, I. A., & SHARIF, J. M. ANTECEDENTS TO EMPLOYEE ATTRITION AND ITS IMPACT ON ORGANIZATIONAL PRODUCTIVITY OF IT ORGANIZATIONS IN TAMIL NADU.
53. SADASIVAN, M. A., & VIJAYAKUMAR, K. SOCIAL PRESENCE INFLUENCE ON THE CONSUMERS ATTITUDE TOWARDS ONLINE SHOPPING.
54. Shahid Ahmed, M. (2020). PREFERENCE AND SATISFACTION TOWARDS TWO WHEELERS WITH SPECIAL REFERENCE TO WOMEN CONSUMERS. Journal of Science Technology and Research (JSTAR) 1 (1):52-65.
55. Shajahan, M., & Safi, S. M. (2019). A study of consumer behaviour towards cosmetic products in Tiruchirappalli district. Intl J Res Anal Rev, 6(1), 224-229.
56. Senthil, P. L., & Safi, S. M. (2014). A Study on Consumer Behaviour of Mobile Phone Users with Reference to Tiruchirappalli District In Tamilnadu. Intercontinental Journal of Marketing Research Review, 2(7), 7-11.
57. Senthil, P. L., & Safi, S. M. (2015). A study on consumer brand preference of mobile phones in recent economic scenario. International Journal of Marketing and Technology, 5(2), 29-37.
58. SAFI, S. M. A STUDY ON CONSUMER BRAND PREFERENCE OF MOBILE PHONES IN RECENT ECONOMIC SCENARIO.
59. SINDHASHA, A. M., & SAFI, S. M. A STUDY ON INVESTMENT IN THE EQUITY SHARES OF AUTOMOBILE AND AUTOMOBILE ACCESSORIES COMPANIES IN THE BOMBAY STOCK EXCHANGE-RISK AND RETURN ANALYSIS.
60. SIDDIQ, N. M., AHAMED, S. R., KHAN, Y. R., AHMED, M. S., BADHUSHA, M., & MOHAMED, I. A. (2025). IMPACT OF DIGITAL PAYMENTS ON THE EARNINGS AND BUSINESS OPERATIONS OF ROADSIDE STREET VENDORS.
61. Vijayakumar, K., & Nijanthan, R. (2019). A study on consumers buying behaviour towards FMCG products with reference to Karur District. International Journal of research and analytical reviews (IJRAR) Volume, 6, 265-270.
62. Vijayakumar, K. A STUDY ON CUSTOEMR’S INSIGHT TOWARDS CROSS SELLING PRACTICES OF ICICI BANK IN THRISSUR DISTRICT, KERALA.
63. VIJAYAKUMAR, K. A STUDY ON PATIENTS’PERCEPTION ON SERVICE QUALITY OF PRIVATE HOSPITALS IN TIRUCHIRAPPALLI DISTRICT N. SABRIN.
64. Vijayakumar, K., & Sadasivan, M. A. SOCIAL PRESENCE INFLUENCE ON PURCHASE BHAVIOUR–A THEORETICAL GO THROUGH.
65. Yang, J., Katsanis, L. P., & LeBel, J. (2022). DOES ONLINE CONVENIENCE MAKE YOU WANT TO BUY MORE? SOCIAL PRESENCE AND PURCHASE INTENTION IN SOCIAL COMMERCE. International Journal of Management, Marketing & Decision Science (IJMMDS), 2(1).

Reimagining Entrepreneurship: Women on a Transformational Journey
Dr. I. Ashiq Mohamed Assistant Professor, PG & Research Department of Commerce, Jamal Mohamed College (Autonomous), (Affiliated to Bharathidasan University), Trichy, Tamilnadu.
Pages: 95-106 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract
This study primarily emphasizes analyzing the problems faced by women entrepreneurs in starting a new business. To overcome these hurdles the Government of Tamilnadu has initiated many schemes. Rural Entrepreneurship Development Program (REDP), Prime Ministers Employment Generation Program (PMEGP), Employment Development Department (EDD) in Karur city, Tamilnadu. This Research examined the problems faced by women entrepreneurs to start a new business with the three training programs from Karur city. A conceptual model with three hypotheses was developed and data were collected from 207 women entrepreneurs in the form of a structured questionnaire from the women entrepreneurs. To analyze the problems of women entrepreneurs, 207 respondents were selected by stratified random sampling method. A well-structured questionnaire was designed to collect information from the women entrepreneurs. The data were collected from the District Industries Centre (DIC), Karur district from the beneficiaries of the state-sponsored scheme. There is a significant impact of training programs on problems faced by women entrepreneurs across the socio-economic characteristics of entrepreneurs. The Government of India has introduced many new entrepreneurial development schemes to provide sufficient financial assistance and provide training on development skills to climb the ladder of success. Gender- specific training should also be given to city entrepreneurs on socio-economic conditions.

REFERENCES
1. A.R. Desai and A. Mohiuddin, Involving women in agriculture – Issues and strategies, India Journal of Rural Development, 11(5) (1992), 506-648.
2. Ahamed, D. S. R. (2015). Customer Perception Towards Internet Banking Services In Trichy District. International Journal of Business and Administration Research Review, 1(11), 95-101.
3. Ahamed, D. S. R. (2023). Government secondary schools teacher's attitude towards ICT in Trichy city. Research and reflections on education, 21, 307-314.
4. Ahamed, S. B., & Ali, E. M. THE IMPACT OF SOCIAL MEDIA ON CONSUMERSBUYING BEHAVIOUR. Primax International Journal of Marketing (PIJM).
5. Ahamed, S. B., & Ali, E. M. THE IMPACT OF SOCIAL MEDIA ON CONSUMERSBUYING BEHAVIOUR. Primax International Journal of Marketing (PIJM).
6. AHAMED, S. R. ANALYZING THE CUSTOMER DIFFICULTY IN USING INTERNET BANKING SERVICES WITH REFERENCE TO SELECTED PUBLIC SECTOR BANKS.
7. Ahmed, K. T. (2018). 41. IMPACT OF TANNERIES WASTE DISPOSAL ON ENVIRONMENT WITH SPECIAL REFERENCE TO VELLORE DISTRICT TAMIL NADU. International Review of Business and Economics, 2, 173-175.
8. Ahmed, K. T. (2018). Impact Of Tanneries Waste Disposal On Environment With Special Reference To Vellore District Tamil Nadu. International Review of Business and
Economics, 1(3), 35.
9. Ahmed, M. S. (2020). PREFERENCE AND SATISFACTION TOWARDS TWO WHEELERS WITH SPECIAL REFERENCE TO WOMEN CONSUMERS.
10. Ahmed, M. S., & Badhusha, M. H. N. (2025). The Impact of Merger and Acquisition on Customers Service of PNB Bank During COVID-19 Pandemic. In Recent Trends In Engineering and Science for Resource Optimization and Sustainable Development (pp. 443-447). CRC Press.
11. Ahmed, M. S., Badhusha, M. H. N., & Mohamed, I. A. Impact of Digital Shopping on Consumers’ Purchasing Decisions. Emperor Journal of Economics and Social Science Research, 2(2).
12. Ahmed, M. S., Badhusha, M. H. N., Siddiq, N. M., & Mohamed, I. A. Consumer Preference and Satisfaction towards Domestic Solar Water Heaters in Tiruchirappalli District.
13. Ahmed, M. S., Badhusha, M. H. N., Siddiq, N. M., & Mohamed, I. A. Factors Influencing Consumers’ Purchase Decision towards Online Shopping in Tiruchirappalli District.
14. Ali, E. M. E-BANKING-AN OVERVIEW. Primax International Journal of Finance (PIJF).
15. Ameen, A. N., Ahmed, K. T., Ahmed, N. M. F., & Mohamed, I. A. (2024). Consumer Buying Behaviour On Air Conditioner–A Study In Ambur Taluk, Tirupattur District, Tamilnadu. Educational Administration: Theory and Practice, 30(5), 1007-1011.
16. Arivazhagan, P. (2019). A Study on Banking Habits of People in Urban and Rural Area. A Journal of Composition Theory.
17. Arunmozhi, M., and Gunaseelan ,Rupa. 2018. Corporate Engagement in Corporate Communications of Indian firms. Shanlax International Journal 6 (3): 28-31.
18. Aziz, B., & Hamilton, G. (2023). Enforcing reputation constraints on business process workflows. Journal of Wireless Mobile Networks, Ubiquitous Computing, and Dependable Applications, 5(1), 101-121.
19. Badhusha, D. M. (2019). Consumers’ Satisfaction Towards Digital Food Ordering in Tiruchirappalli City. Journal of Composition Theory, 12(9), 1460-1471.
20. BADHUSHA, M. A CONCEPTUAL STUDY ON ADAPTIVE STRATEGIES AND THE APPLICABILITY OF ARTIFICIAL INTELLIGENCE (AI) TECHNOLOGY IN THE FUTURE OF CONSUMER KNOWLEDGE MANAGEMENT.
21. Badhusha, M. H. N. (2017). Demonetisation: Impact on Indian Economy and Leads to Cashless Banking Activities. International Journal of Management and Development Studies, 6(1), 63-70.
22. Badhusha, M. H. N. A Study on Consumers online Shopping decisions with reference to Tiruchirappalli District.
23. Balve, S. (2022). Women entrepreneurship towards women empowerment in India: Plan initiatives. Southern Economist, 54(3), 11-16.
24. Bharathi and Srikanth. (2015). An Empirical Study on Role of corporate Sector in Women
Empowerment. International Multidisciplinary E-Journal, Vol-IV,Issue –VIII, pp 180-189.
25. Boudreau et al.(2000). Structural Equation Modeling and Regression: Guidelines for Research Practice," Communications of the Association for Information Systems: Vol. 4 , Article 7. Retrieved from https://aisel.aisnet.org/cais/vol4/iss1/7
26. Brush, C.G. (1992), Research on women business owners, past trends, a new perspectiveand future dimensions; Entrepreneurship Theory & Practice as in Fenwick T. WomenEntrepreneurs: A critical review of literature.
27. Caputo R.K. and Dolinsky Arthur (1998), “Women’s Choice of Pursue SelfEmployment: The Role of Financial and Human Capital of Household Members’’,Journal of Small Business Management, Vol. 36 (2), pp. 8-18.
28. Choudhuri, S., Singh, A., Ravi, R., & Badhusha, M. H. N. (2024). An Analysis of Factors Influencing Consumer Trust in Online Banking Security Measures. Educational Administration: Theory And Practice, 30(2), 660-666.
29. Dr. K. Riyazahamed (2019) A Study on Customer Satisfaction towards Net Banking Service with reference to Tiruchirappalli City, Emperor Journal of Economics and Social Science Research [EJESSR] - ISSN No. 2581-8643 (O) Volume - I Issue - 4 April – 2019, DOI - http://doi.org/10.35338/EJESSR.2019.1403
30. Dutta, C., Jha, S. S., Lakshmi, R. V., Vijayakumar, V., Badhusha, M. H. N., & Trivedi, T. (2024). A Study On The Factors That Influence The Success Of Digital Marketing In A Dynamic Marketing Landscape; A Theoretical And Empirical Integration. Educational Administration: Theory and Practice, 30(4), 3793-3798.
31. G.T. Govindappa, Rural women entrepreneurship- Constraints and strategies, Kurukshetra, 48(2) (1999), 11-14.
32. Hakkeem, D. M. A., & Sha, Y. M. (2015). An empirical study towards customer satisfaction in internet banking services with special reference to Tiruchirappalli district. IJSR-International Journal Of Scientific Research, 4(5).
33. Hakkeem, M. A., & Sha, Y. M. (2015). A study on customer satisfaction in internet banking with special reference to Tiruchirappalli district. International Journal of Marketing and Technology, 5(2), 72.
34. Jayan, V. K. (2022). Women entrepreneurship in MSME (with special reference to Coimbatore city). International Journal of Advanced Research, 1(4), 321-325.
35. Jhamtani, Rural women: The powerless partners in development, Kurukshetra, 43(8) (1995), 61- 63. Tejaswini and S. Veerabhadraiah, Knowledge assessment of rural women on DWCRA and their problems, Kurukshetra, 51(4) (1996), 46-47.
36. K, V. K., & C, J. (2017). A comparative study of indian gst with canada model. Journal of Management and Science, 7(2), 254-258. https://doi.org/10.26524/jms.2017.34
37. K, V. K., & C. MAITHEEN, J. (2017). Gst impact on the e-commerce sector: an overview. Journal of Management and Science, 7(2), 245-249. https://doi.org/10.26524/jms.2017.32
38. K, V., & A, M. (2017). Goods and service tax: a roadmap for new indian economy. Journal of Management and Science, 7(2), 406-409. https://doi.org/10.26524/jms.2017.64
39. K, V., & H, J. H. (2017). Gst- a biggest tax reforms in india : an overview. Journal of Management and Science, 7(2), 250-253. https://doi.org/10.26524/jms.2017.33
40. Kavita Sangolagi & Mallikarjun. (2022). Women Entrepreneurs Contributor to the society. International Journal of Advancement in Engineering Technology, Management & Applied Science, 6(1), 11- 23.
41. Khan, D. Y. R. (2023). A sociological study on effect of COVID-19 on girls education in selected rural areas of Trichy. Research and reflections on education, 21(1A), 60-68.
42. Khan, Y. R. (2020). Customers perference and satisfaction towards reliance-4 g jio services in Tiruchirappalli district. Jamal Academic Research Journal: An Interdisciplinary, 1(1), 31-37.
43. Khan, Y. R., Ahamed, S. R., Ahmed, M. S., Siddiq, N. M., Badhusha, M. H. N., & Mohamed, I. A. Examining Students’ Perception of Online Education in Arts and Science Colleges: Perspectives on Personalized Learning and Emerging Educational Technologies.
44. KHAN, Y. R. PASSENGER SATISFACTION TOWARDS SAFETY AND WELFARE MEASURES PROVIDED AT TIRUCHIRAPPALLI RAILWAY JUNCTION.
45. Latha Krishnan & Kamalanabhan, T. J. (2013). Entrepreneurial Success and Life Satisfaction among Women Entrepreneurs in Micro-Enterprises. South Asian Journal of Management, 20(2), 41-57.
46. ma’aitah, M.A. (2024). The Drivers of Big Data Analytics Adoption and its Impact on Corporate Entrepreneurship. Journal of Internet Services and Information Security, 14(2), 145-168.
47. Mathew, F. A., Pushpa, B. V., Mohapatra, P. P., Pal, S., Ashokkumar, N., & Riyazahamed, K. (2024). Shaping the Future of Higher Education: Perspectives on Outcome-Based Education, Accreditation, and Institutional Rankings. Educational Administration: Theory and Practice, 30(6), 1816-1824.
48. Mohamed, I. A., Sha, Y. M., Ahmed, M. S., & Badhusha, M. H. N. (2021). CONSUMER PERCEPTION TOWARDS APPLE PRODUCTS WITH REFERENCE TO TIRUCHIRAPPALLI DISTRICT.
49. Narsis, I. Net Banking Services and Customer Perceived Value.
50. Navya, D., & Sunandini, M. (2021). Secure Home Entry with Face Recognition and Notification via Telegram. Journal of VLSI Circuits and Systems, 3(1), 7-13.
51. NIJANTHAN, R. GST AND ITS IMPACT OF BUYING BEHAVIOUR ON FMCG IN TIRUCHIRAPPALLI DISTRICT Dr. K. VIJAYAKUMAR.
52. NIJANTHAN, R., & VIJAYAKUMAR, K. (2024). IMPACT OF CHANGES IN SERVICE SECTOR IN INDIA IN MODELLING THE FUTURE BUSINESS. VISION INDIA–2047 towards USD 30 Trillion Economy Opportunities and Challenges, 299.
53. Oleksandr, K., Viktoriya, G., Nataliia, A., Liliya, F., Oleh, O., Maksym, M. (2024).
Enhancing Economic Security through Digital Transformation in Investment Processes: Theoretical Perspectives and Methodological Approaches Integrating Environmental Sustainability. Natural and Engineering Sciences, 9(1), 26-45.
54. P. Punjabi, Aruna, Patill, R. Prasadh, S. Labhane, and Badhusha MHN, “Navigating the New Wave; Unveiling the Transformation Effects of social media On Digital Marketing in The Emerging Era,” Journal of Informatics Education and Research, vol. 4, no. 1, pp. 35–41, Jan. 2024, doi: 10.52783/jier.v4i1.516.
55. Pulla Rao, D. (2011). Women Entrepreneurs and socio-economic development, Serial Publications, New Delhi-2.
56. RAHMAN, T. H., AHMED, K. T., MOHAMED, I. A., & SHARIF, J. M. ANTECEDENTS TO EMPLOYEE ATTRITION AND ITS IMPACT ON ORGANIZATIONAL PRODUCTIVITY OF IT ORGANIZATIONS IN TAMIL NADU.
57. Rajalakshmi Anantharaman, D. B. M., Thomas, S., Soundarraj, P. L., & Rahul, K. (2024). Analyzing The Role of Digital Marketing in Growth of E-Commerce in India: A Multiple Holistic Approach. Journal of Informatics Education and Research, 4(2).
58. Rajendhiran, N., & Devi, K. (2018). Recent trends in women entrepreneurs in Salem, Tamil Nadu. Asian Journal of Management, 9(1), 92-98.
59. Rajesh, P. G., & Vijayakumar, K. (2018). BRAND LOYALTY OF WOODLAND PRODUCTS WITH SPECIAL REFERENCE TO AEROCLUB WOODLAND PVT. LTD. Scholars Association of Kerala, 8(4-A), 116.
60. Ranganathan, C. (2019). Information Literacy Skills among Undergraduate Students of Women Colleges in Trichy, Tamil Nadu: A Case Study. Indian Journal of Information Sources and Services, 9(2), 68–71.
61. Rani, V. S., & Sundaram, N. (2023). Impact of financial inclusion on women entrepreneurs in India: An empirical study. International Journal of Professional Business Review: International Journal of Professional Business Review, 8(6), 24. https://doi.org/10.26668/businessreview/2023.v8i6.2247
62. Riyazahamed, K. E Services and Customer Satisfaction with reference to selected Private Sector banks in Tiruchirappalli district.
63. RIYAZAHAMED, K., & ALI, E. M. (2024). EVALUATING INDIA'S FINANCIAL DEVELOPMENT CHALLENGES ON THE PATHWAY TO $5 TRILLION. VISION INDIA–2047 towards USD 30 Trillion Economy Opportunities and Challenges, 18.
64. SADASIVAN, M. A., & VIJAYAKUMAR, K. SOCIAL PRESENCE INFLUENCE ON THE CONSUMERS ATTITUDE TOWARDS ONLINE SHOPPING.
65. Shahid Ahmed, M. (2020). PREFERENCE AND SATISFACTION TOWARDS TWO WHEELERS WITH SPECIAL REFERENCE TO WOMEN CONSUMERS. Journal of Science Technology and Research (JSTAR) 1 (1):52-65.
66. Shajahan, M., & Safi, S. M. (2019). A study of consumer behaviour towards cosmetic
products in Tiruchirappalli district. Intl J Res Anal Rev, 6(1), 224-229.
67. SIDDIQ, N. M., AHAMED, S. R., KHAN, Y. R., AHMED, M. S., BADHUSHA, M., & MOHAMED, I. A. (2025). IMPACT OF DIGITAL PAYMENTS ON THE EARNINGS AND BUSINESS OPERATIONS OF ROADSIDE STREET VENDORS.
68. SINDHASHA, A. M., & SAFI, S. M. A STUDY ON INVESTMENT IN THE EQUITY SHARES OF AUTOMOBILE AND AUTOMOBILE ACCESSORIES COMPANIES IN THE BOMBAY STOCK EXCHANGE-RISK AND RETURN ANALYSIS.
69. Singh Kamal. (1992). Women entrepreneurs, Ashish publishing house, New Delhi-2.
70. Stevenson, H. H. & Jarillo J. C. (1990). A paradigm of entrepreneurship research: Entrepreneurial management. Strategic Management Journal, 11, 17-27.
71. Syed Ibrahim, A. A. A Study On Consumer Preference And Satisfaction Towards Instant Food Products With Reference To Karur District.
72. Vijayakumar, K. A STUDY ON CUSTOEMR’S INSIGHT TOWARDS CROSS SELLING PRACTICES OF ICICI BANK IN THRISSUR DISTRICT, KERALA.
73. VIJAYAKUMAR, K. A STUDY ON PATIENTS’PERCEPTION ON SERVICE QUALITY OF PRIVATE HOSPITALS IN TIRUCHIRAPPALLI DISTRICT N. SABRIN.
74. Vijayakumar, K., & Nijanthan, R. (2019). A study on consumers buying behaviour towards FMCG products with reference to Karur District. International Journal of research and analytical reviews (IJRAR) Volume, 6, 265-270.

A Study on Customer Experience towards Service Quality of Axis Bank Limited in Tiruchirappalli District
Dr. N. Sabrin Assistant Professor , PG & Research Department of Commerce (SF-Women), Jamal Mohamed College, (Autonomous), Affiliated to Bharathidasan University, Trichy-20 Tamil Nadu.
Pages: 107-116 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract 

Customer loyalty has been significantly impacted by service quality.They can lead to customer satisfaction and customer loyalty. The aim of this study is to find customer perceptions on service quality dimensions among consumers of a bank services. The findings demonstrate that providing high-quality service is crucial to fostering customer loyalty, which in turn fosters consumer fulfilment and loyalty. Therefore, bankers should be concerned in determining the level of customer service reliance in order to establish high service quality. The opinions of the banks' consumers assess the quality of their services. Customer satisfaction and loyalty are indicators of favourable opinions about banking services.
Banking has entered the electronic era.This resulted from changes made in accordance with WTO regulations.Private sector banks have been permitted to open their banks in the country. On the other hand, the private sector started its technological operations from the beginning and allowed the nation’s elite to experience the greatest banking methods found in western nations.
Their ability to anticipate the digital world and the growing electronic industry has prompted them to develop a superior customer service approach that can meet the needs of their customers’.

REFERENCES
 Bhaskar P.V. (2004), „Customer Service in Banks‟, IBA Bulletin, Volume 26(8)
 Dhillon J. S., G.S. Batra and A. Dhyani (2003), „Paradigm Change: Relationship Marketing and Service Quality of Banking Services‟, IBA Bulletin
 Jain A.K. and P. Jain (2006), Customer Satisfaction in Retail Banking Services‟, NICE Journal of Business, Volume 1(2), July – December,
 Nayan K. (1985), Commercial Banks in India – Performance Evaluation, New Delhi: Deep and Deep Publication.
Shanti S. (1984), Customer Service in Banks, Bombay: Himalaya Publishing House.
 Uppal R. K. (2006), Indian Banking Industry and Information Technology, New Delhi: New Century Publications.
www.axisbank.com
www.hdfcbank.com
www.icicibank.com
www.idbi.com

Exploring Customer Perspectives on CRM Practices in India's E-Commerce Sector
A. Nilofer PG & Research Department of Commerce, Jamal Mohamed College (Autonomous), Trichy – 620020.
Pages: 117-124 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract
The main objective of relationship management is to retain current customers rather than prioritize attracting new ones. Loyal customers frequently share their experiences with potential customers, thereby acting as drivers for new customer acquisition. This study investigates the relationship management approaches and techniques utilized by three e-commerce companies to strengthen customer retention. It evaluates three independent variables customer acquisition methods, customer retention strategies, and service quality and their influence on the dependent variable, customer satisfaction. A carefully designed questionnaire was employed to gather data from 240 respondents using a purposive sampling method. Statistical measures, including mean, standard deviation, and t-tests, were applied for data evaluation. The results reveal a strong connection between customer relationship management strategies and customer satisfaction. To achieve customer loyalty, companies must nurture robust connections with their clientele by emphasizing these critical independent variables.

REFERENCES
1. Siby, A. George, J.P. (2022). Influence of customer relationship management for the success of e- cusiness. Information and communication Technology for Competitive Strategies (ICTCS 2020). Volume 191. Springer, Singapore.
2. Teshita Uke Chikako, GemediTesfayeHamu, (2021) Assessment of Customers relationship Management Practices on customer retention and loyalty of Ormia Credit and Saving Share Company: Bule Hora City Branch. Advances in Operations Research, Vol.2021 Article ID 5545836.
3. Hermenegildo Gil-Gomez, Vicente Guerola- Navarro, RaulOltra- Badenes& Jose Antonio Lozano – Quilis (2020) customer relationship management: digital transformation and
sustainable business model innovation, Economic Research- EkonomskaIsstrazivanja, 33:1, 2733-2750, DOI: 10.1080/1331677X.2019.166283.
4. Hasan, Haslinda& Bin- Nashwan , Saeed (2017). Impact of customer relationship management on customer satisfaction and loyalty: A Systematic review. Research Journal of Business Management. 6. 86-107.
5. Adikaram,C.H. (2016) The relationship between customer relationship management and customer satisfaction. International Journal of Arts and Commerce, 5(2), 69-95
6. A. Shanthi.(2014) Indian retail Industry- Its Growth, Challenges and Opportunities
7. Azila .N.,& Noor. M., (2011) electronic customer relationship management performance a: Its impact on loyalty from customer perspectives. International Journal of e- education, e- business, e-management and e- learning1(2), 181-186.

Digital Transformation in Business Operations: A Catalyst for Entrepreneurial Growth
V.P Jamshid Ph.D., Associate Professor of Commerce, Farook College (Affiliated to University of Calicut), P.O Farook College, Kozhikode, Kerala.
Pages: 125-134 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract
Digital transformation has become a defining force in modern business operations, driving innovation, efficiency, and scalability. This paper examines the impact of digital transformation on entrepreneurial ventures in the global context, supported by data analysis from recent studies. It highlights opportunities, challenges, and actionable strategies for fostering entrepreneurship in an era of rapid technological change. The study reveals that startups leveraging digital tools report a 35% higher revenue growth rate, while SMEs adopting AI-powered systems have reduced costs by 25%. Despite these advancements, challenges such as digital skill gaps and cybersecurity threats persist, particularly in developing economies. This paper concludes with recommendations for addressing these challenges through skill development, policy interventions, and sustainable strategies.

REFERENCES
1. Gartner. (n.d.). Digital transformation topics. Retrieved from https://www.gartner.com/en/information-technology/topics/digital-transformation
2. PwC. (2022). Pulse survey: Executive views 2022. Retrieved from https://www.pwc.com/us/en/library/pulse-survey/executive-views-2022.html
3. Digital Marketing Institute. (n.d.). The what, why, and how of digital transformation. Retrieved from https://www.digitalmarketinginstitute.com/blog/the-what-why-and-how-of-digital-transformation
4. Gartner. (2021). CEOs see growth in 2021 marked by 3 shifts. Retrieved from https://www.gartner.com/smarterwithgartner/ceos-see-growth-in-2021-marked-by-3-shifts
5. PTC. (n.d.). Digital transformation report. Retrieved from https://www.ptc.com/en/technologies/plm/digital-transformation-report
6. McKinsey & Company. (n.d.). What matters in customer experience (CX) transformations. Retrieved from https://www.mckinsey.com/capabilities/growth-marketing-and-sales/our-insights/what-matters-in-customer-experience-cx-transformations
7. Gartner. (n.d.). Digital transformation topics. Retrieved from https://www.gartner.com/en/information-technology/topics/digital-transformation
8. Prophet. (2019). The state of digital transformation 2018-2019. Retrieved from https://www.insights.prophet.com/the-state-of-digital-transformation-2018-2019
9. OpenText. (n.d.). Legal market technology report. Retrieved from https://www.opentext.com/file_source/OpenText/en_US/PDF/opentext-legal-mkt-report-technology-en.pdf
10. Infosys. (n.d.). Workplace transformation research study. Retrieved from https://www.infosys.com/services/microsoft-cloud-business/insights/documents/workplace-transformation-research-study.pdf
11. FoundryCo. (n.d.). Digital business executive summary. Retrieved from https://www.resources.foundryco.com/download/digital-business-executive-summary
12. GlobeNewswire. (2024). Digital transformation industry analysis and strategic business report 2024-2030. Retrieved from https://www.globenewswire.com/news-release/2024/12/24/3001630/0/en/Digital-Transformation-Industry-Analysis-and-Strategic-Business-Report-2024-2030-Total-Revenues-to-Exceed-US-3-7-Trillion-Big-Data-Analytics-Technology-Will-Dominate-Shares.html
13. PwC. (2022). Pulse survey: Executive views 2022. Retrieved from https://www.pwc.com/us/en/library/pulse-survey/executive-views-2022.html
14. FoundryCo. (n.d.). State of the CIO. Retrieved from https://www.foundryco.com/research/state-of-the-cio/
15. Security Intelligence. (n.d.). Digital transformation: Balancing speed, security, and innovation. Retrieved from https://www.securityintelligence.com/articles/digital-transformation-balancing-speed-security-innovation-cybersecurity/
16. Forbes Coaches Council. (2022). 12 reasons your digital transformation will fail. Retrieved from https://www.forbes.com/councils/forbescoachescouncil/2022/03/16/12-reasons-your-digital-transformation-will-fail/
17. Boston Consulting Group. (2020). Increasing odds of success in digital transformation. Retrieved from https://www.bcg.com/publications/2020/increasing-odds-of-success-in-digital-transformation
18. McKinsey & Company. (n.d.). Strategy for a digital world. Retrieved from https://www.mckinsey.com/capabilities/mckinsey-digital/our-insights/strategy-for-a-digital-world
19. ScienceDirect. (2021). Digital transformation insights. Retrieved from https://www.sciencedirect.com/science/article/pii/S0747563221004416
20. UC Today. (n.d.). How employees really feel about team collaboration apps. Retrieved from https://www.uctoday.com/collaboration/how-employees-really-feel-about-team-collab-apps/
21. Harvard Business Review. (2022). In a hybrid world, your tech defines employee experience. Retrieved from https://www.hbr.org/2022/02/in-a-hybrid-world-your-tech-defines-employee-experience
22. Accenture. (n.d.). Technology strategy and transformation. Retrieved from https://www.accenture.com/ca-en/services/technology-transformation/technology-strategy
23. McKinsey & Company. (n.d.). Banks and the digital flywheel: An engine for ongoing value capture. Retrieved from https://www.mckinsey.com/industries/financial-services/our-insights/banks-and-the-digital-flywheel-an-engine-for-ongoing-value-capture
24. Juniper Research. (2023). Bank cost savings via chatbots to reach $7.3 billion by 2023. Retrieved from https://www.juniperresearch.com/press/bank-cost-savings-via-chatbots-reach-7-3bn-2023.
25. Fujitsu. (n.d.). Digital transformation trends in retail. Retrieved from https://www.fujitsu.com/nz/solutions/industry/retail/digital-transformation-trends-retail.html
26. Gartner. (n.d.). CIO agenda insights. Retrieved from https://www.gartner.com/en/chief-information-officer/insights/cio-agenda
27. Harvard Business Review. (2017). A study of 46,000 shoppers shows that omnichannel retailing works. Retrieved from https://www.hbr.org/2017/01/a-study-of-46000-shoppers-shows-that-omnichannel-retailing-works
28. Research and Markets. (n.d.). Autonomous vehicle market size, share, and trends. Retrieved from https://www.researchandmarkets.com/reports/5899634/autonomous-vehicle-market-size-share-and-trends
29. McKinsey & Company. (n.d.). Automotive insights. Retrieved from https://www.mckinsey.com/~/media/McKinsey/Industries/Automotive
30. International Energy Agency. (n.d.). Net zero by 2050. Retrieved from https://www.iea.org/reports/net-zero-by-2050
31. BP. (2022). Energy outlook 2022. Retrieved from https://www.bp.com/content/dam/bp/business-sites/en/global/corporate/pdfs/energy-economics/energy-outlook/bp-energy-outlook-2022.pdf
32. Scoop Market. (2023). Digital transformation statistics. Retrieved from https://scoop.market.us/digital-transformation-statistics/?utm_source=chatgpt.com
33. Deloitte Insights. (n.d.). Digital transformation value: How specific actions impact the ROI. Retrieved from https://www2.deloitte.com/us/en/insights/topics/digital-transformation/digital-transformation-value-roi.html
34. McKinsey & Company. (2020). How COVID-19 has pushed companies over the technology tipping point and transformed business forever. Retrieved from https://www.mckinsey.com/capabilities/strategy-and-corporate-finance/our-insights/how-covid-19-has-pushed-companies-over-the-technology-tipping-point-and-transformed-business-forever

A Comprehensive Outlook on Customer Relationship Management in the Banking Sector
Dr.Y.Razeeth Khan Assistant Professor, PG & Research Department of Commerce, Jamal Mohamed College (Autonomous), Affiliated to Bharathidasan University, Tiruchirappalli, Tamilnadu, India.
Pages: 135-148 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract 

CRM is a vigorous factor to improve the performance of the banks. In order to excel in their services, the present day banks have shifted their focus from the twin functions of accepting of deposits and lending of loans to anytime and Anywhere Banking. Fundamentally customers are regarded as non-core financial asset by the banks across the globe in contemporary scenario. Courtesy, correctness and rapidity are instrumental factors in the smoother performance of a bank. A highly satisfied customer will market for the bank and bring in more new customers to increase the business of the banks. 

In this article, researcher has highlighted the aspects like usefulness, essence, factors affecting CRM and finally discussed steps to improve CRM in banking Industry. As it is empirical study, investigation was made on both bankers and customers and data were collected therefrom. Results were made based on the data analysis.

REFERENCES 

1. Baser, Narayan &Thakar, Dhavalkumar. (2015). A Literature Review on Customer Relationship Management in Banks. International Journal of Customer Relationship Marketing and Management. 6. 43-56. 2. Abbas, T., &Hafeez, S. (2017). Impact of CRM practices on service quality in the banking industry. Pakistan Administrative Review, 1(2), 130-144 3. Bhasker PV (2004) Customer Service in Banks. IBA Bulletin. pp:9-13.
4. A.R. Desai and A. Mohiuddin, Involving women in agriculture – Issues and strategies, India Journal of Rural Development, 11(5) (1992), 506-648.
5. Ahamed, D. S. R. (2015). Customer Perception Towards Internet Banking Services In Trichy District. International Journal of Business and Administration Research Review, 1(11), 95-101.
6. Ahamed, D. S. R. (2023). Government secondary schools teacher's attitude towards ICT in Trichy city. Research and reflections on education, 21, 307-314.
7. Ahamed, S. B., & Ali, E. M. THE IMPACT OF SOCIAL MEDIA ON CONSUMERSBUYING BEHAVIOUR. Primax International Journal of Marketing (PIJM).
8. Ahamed, S. B., & Ali, E. M. THE IMPACT OF SOCIAL MEDIA ON CONSUMERSBUYING BEHAVIOUR. Primax International Journal of Marketing (PIJM).
9. AHAMED, S. R. ANALYZING THE CUSTOMER DIFFICULTY IN USING INTERNET BANKING SERVICES WITH REFERENCE TO SELECTED PUBLIC SECTOR BANKS.
10. Ahmed, K. T. (2018). 41. IMPACT OF TANNERIES WASTE DISPOSAL ON ENVIRONMENT WITH SPECIAL REFERENCE TO VELLORE DISTRICT TAMIL NADU. International Review of Business and Economics, 2, 173-175.
11. Ahmed, K. T. (2018). Impact Of Tanneries Waste Disposal On Environment With Special Reference To Vellore District Tamil Nadu. International Review of Business and Economics, 1(3), 35.
12. Ahmed, M. S. (2020). PREFERENCE AND SATISFACTION TOWARDS TWO WHEELERS WITH SPECIAL REFERENCE TO WOMEN CONSUMERS.
13. Ahmed, M. S., & Badhusha, M. H. N. (2025). The Impact of Merger and Acquisition on Customers Service of PNB Bank During COVID-19 Pandemic. In Recent Trends In Engineering and Science for Resource Optimization and Sustainable Development (pp. 443-447). CRC Press.
14. Ahmed, M. S., Badhusha, M. H. N., & Mohamed, I. A. Impact of Digital Shopping on Consumers’ Purchasing Decisions. Emperor Journal of Economics and Social Science Research, 2(2).
15. Ahmed, M. S., Badhusha, M. H. N., Siddiq, N. M., & Mohamed, I. A. Consumer Preference and Satisfaction towards Domestic Solar Water Heaters in Tiruchirappalli District.
16. Ahmed, M. S., Badhusha, M. H. N., Siddiq, N. M., & Mohamed, I. A. Factors Influencing Consumers’ Purchase Decision towards Online Shopping in Tiruchirappalli District.
17. Ali, E. M. E-BANKING-AN OVERVIEW. Primax International Journal of Finance (PIJF).
18. Ameen, A. N., Ahmed, K. T., Ahmed, N. M. F., & Mohamed, I. A. (2024). Consumer Buying Behaviour On Air Conditioner–A Study In Ambur Taluk, Tirupattur District, Tamilnadu. Educational Administration: Theory and Practice, 30(5), 1007-1011.
19. Arivazhagan, P. (2019). A Study on Banking Habits of People in Urban and Rural Area. A Journal of Composition Theory.
20. Arunmozhi, M., and Gunaseelan ,Rupa. 2018. Corporate Engagement in Corporate Communications of Indian firms. Shanlax International Journal 6 (3): 28-31.
21. Aziz, B., & Hamilton, G. (2023). Enforcing reputation constraints on business process workflows. Journal of Wireless Mobile Networks, Ubiquitous Computing, and Dependable Applications, 5(1), 101-121.
22. Badhusha, D. M. (2019). Consumers’ Satisfaction Towards Digital Food Ordering in Tiruchirappalli City. Journal of Composition Theory, 12(9), 1460-1471.
23. BADHUSHA, M. A CONCEPTUAL STUDY ON ADAPTIVE STRATEGIES AND THE APPLICABILITY OF ARTIFICIAL INTELLIGENCE (AI) TECHNOLOGY IN THE FUTURE OF CONSUMER KNOWLEDGE MANAGEMENT.
24. Badhusha, M. H. N. (2017). Demonetisation: Impact on Indian Economy and Leads to Cashless Banking Activities. International Journal of Management and Development Studies, 6(1), 63-70.
25. Badhusha, M. H. N. A Study on Consumers online Shopping decisions with reference to Tiruchirappalli District.
26. Balve, S. (2022). Women entrepreneurship towards women empowerment in India: Plan initiatives. Southern Economist, 54(3), 11-16.
27. Bharathi and Srikanth. (2015). An Empirical Study on Role of corporate Sector in Women Empowerment. International Multidisciplinary E-Journal, Vol-IV,Issue –VIII, pp 180-189.
28. Boudreau et al.(2000). Structural Equation Modeling and Regression: Guidelines for Research Practice," Communications of the Association for Information Systems: Vol. 4 , Article 7. Retrieved from https://aisel.aisnet.org/cais/vol4/iss1/7
29. Brush, C.G. (1992), Research on women business owners, past trends, a new perspective and future dimensions; Entrepreneurship Theory & Practice as in Fenwick T. Women Entrepreneurs: A critical review of literature.
30. Caputo R.K. and Dolinsky Arthur (1998), “Women’s Choice of Pursue Self Employment: The Role of Financial and Human Capital of Household Members’’, Journal of Small Business Management, Vol. 36 (2), pp. 8-18.
31. Choudhuri, S., Singh, A., Ravi, R., & Badhusha, M. H. N. (2024). An Analysis of Factors Influencing Consumer Trust in Online Banking Security Measures. Educational Administration: Theory And Practice, 30(2), 660-666.
32. Dr. K. Riyazahamed (2019) A Study on Customer Satisfaction towards Net Banking Service with reference to Tiruchirappalli City, Emperor Journal of Economics and Social Science Research [EJESSR] - ISSN No. 2581-8643 (O) Volume - I Issue - 4 April – 2019, DOI - http://doi.org/10.35338/EJESSR.2019.1403
33. Dutta, C., Jha, S. S., Lakshmi, R. V., Vijayakumar, V., Badhusha, M. H. N., & Trivedi, T. (2024). A Study On The Factors That Influence The Success Of Digital Marketing In A Dynamic Marketing Landscape; A Theoretical And Empirical Integration. Educational Administration: Theory and Practice, 30(4), 3793-3798.
34. G.T. Govindappa, Rural women entrepreneurship- Constraints and strategies, Kurukshetra, 48(2) (1999), 11-14.
35. Hakkeem, D. M. A., & Sha, Y. M. (2015). An empirical study towards customer satisfaction in internet banking services with special reference to Tiruchirappalli district. IJSR-International Journal Of Scientific Research, 4(5).
36. Hakkeem, M. A., & Sha, Y. M. (2015). A study on customer satisfaction in internet banking with special reference to Tiruchirappalli district. International Journal of Marketing and Technology, 5(2), 72.
37. Jayan, V. K. (2022). Women entrepreneurship in MSME (with special reference to Coimbatore city). International Journal of Advanced Research, 1(4), 321-325.
38. Jhamtani, Rural women: The powerless partners in development, Kurukshetra, 43(8) (1995), 61- 63. Tejaswini and S. Veerabhadraiah, Knowledge assessment of rural women on DWCRA and their problems, Kurukshetra, 51(4) (1996), 46-47.
39. K, V. K., & C, J. (2017). A comparative study of indian gst with canada model. Journal of Management and Science, 7(2), 254-258. https://doi.org/10.26524/jms.2017.34
40. K, V. K., & C. MAITHEEN, J. (2017). Gst impact on the e-commerce sector: an overview. Journal of Management and Science, 7(2), 245-249. https://doi.org/10.26524/jms.2017.32
41. K, V., & A, M. (2017). Goods and service tax: a roadmap for new indian economy. Journal of Management and Science, 7(2), 406-409. https://doi.org/10.26524/jms.2017.64
42. K, V., & H, J. H. (2017). Gst- a biggest tax reforms in india : an overview. Journal of Management and Science, 7(2), 250-253. https://doi.org/10.26524/jms.2017.33
43. Kavita Sangolagi & Mallikarjun. (2022). Women Entrepreneurs Contributor to the society. International Journal of Advancement in Engineering Technology, Management & Applied Science, 6(1), 11- 23.
44. Khan, D. Y. R. (2023). A sociological study on effect of COVID-19 on girls education in selected rural areas of Trichy. Research and reflections on education, 21(1A), 60-68.
45. Khan, Y. R. (2020). Customers perference and satisfaction towards reliance-4 g jio services in Tiruchirappalli district. Jamal Academic Research Journal: An Interdisciplinary, 1(1), 31-37.
46. Khan, Y. R., Ahamed, S. R., Ahmed, M. S., Siddiq, N. M., Badhusha, M. H. N., & Mohamed, I. A. Examining Students’ Perception of Online Education in Arts and Science Colleges: Perspectives on Personalized Learning and Emerging Educational Technologies.
47. KHAN, Y. R. PASSENGER SATISFACTION TOWARDS SAFETY AND WELFARE MEASURES PROVIDED AT TIRUCHIRAPPALLI RAILWAY JUNCTION.
48. Latha Krishnan & Kamalanabhan, T. J. (2013). Entrepreneurial Success and Life Satisfaction among Women Entrepreneurs in Micro-Enterprises. South Asian Journal of Management, 20(2), 41-57.
49. ma’aitah, M.A. (2024). The Drivers of Big Data Analytics Adoption and its Impact on Corporate Entrepreneurship. Journal of Internet Services and Information Security, 14(2), 145-168.
50. Mathew, F. A., Pushpa, B. V., Mohapatra, P. P., Pal, S., Ashokkumar, N., & Riyazahamed, K. (2024). Shaping the Future of Higher Education: Perspectives on Outcome-Based Education, Accreditation, and Institutional Rankings. Educational Administration: Theory and Practice, 30(6), 1816-1824.
51. Mohamed, I. A., Sha, Y. M., Ahmed, M. S., & Badhusha, M. H. N. (2021). CONSUMER PERCEPTION TOWARDS APPLE PRODUCTS WITH REFERENCE TO TIRUCHIRAPPALLI DISTRICT.
52. Narsis, I. Net Banking Services and Customer Perceived Value.
53. Navya, D., & Sunandini, M. (2021). Secure Home Entry with Face Recognition and Notification via Telegram. Journal of VLSI Circuits and Systems, 3(1), 7-13.
54. NIJANTHAN, R. GST AND ITS IMPACT OF BUYING BEHAVIOUR ON FMCG IN TIRUCHIRAPPALLI DISTRICT Dr. K. VIJAYAKUMAR.
55. NIJANTHAN, R., & VIJAYAKUMAR, K. (2024). IMPACT OF CHANGES IN SERVICE SECTOR IN INDIA IN MODELLING THE FUTURE BUSINESS. VISION INDIA–2047 towards USD 30 Trillion Economy Opportunities and Challenges, 299.
56. Oleksandr, K., Viktoriya, G., Nataliia, A., Liliya, F., Oleh, O., Maksym, M. (2024). Enhancing Economic Security through Digital Transformation in Investment Processes: Theoretical Perspectives and Methodological Approaches Integrating Environmental Sustainability. Natural and Engineering Sciences, 9(1), 26-45.
57. P. Punjabi, Aruna, Patill, R. Prasadh, S. Labhane, and Badhusha MHN, “Navigating the New Wave; Unveiling the Transformation Effects of social media On Digital Marketing in The Emerging Era,” Journal of Informatics Education and Research, vol. 4, no. 1, pp. 35–41, Jan. 2024, doi: 10.52783/jier.v4i1.516.
58. RAHMAN, T. H., AHMED, K. T., MOHAMED, I. A., & SHARIF, J. M. ANTECEDENTS TO EMPLOYEE ATTRITION AND ITS IMPACT ON ORGANIZATIONAL PRODUCTIVITY OF IT ORGANIZATIONS IN TAMIL NADU.
59. Rajesh, P. G., & Vijayakumar, K. (2018). BRAND LOYALTY OF WOODLAND PRODUCTS WITH SPECIAL REFERENCE TO AEROCLUB WOODLAND PVT. LTD. Scholars Association of Kerala, 8(4-A), 116.
60. Ranganathan, C. (2019). Information Literacy Skills among Undergraduate Students of Women Colleges in Trichy, Tamil Nadu: A Case Study. Indian Journal of Information Sources and Services, 9(2), 68–71.
61. Rani, V. S., & Sundaram, N. (2023). Impact of financial inclusion on women entrepreneurs in India: An empirical study. International Journal of Professional Business Review: International Journal of Professional Business Review, 8(6), 24. https://doi.org/10.26668/businessreview/2023.v8i6.2247
62. Riyazahamed, K. E Services and Customer Satisfaction with reference to selected Private Sector banks in Tiruchirappalli district.
63. RIYAZAHAMED, K., & ALI, E. M. (2024). EVALUATING INDIA'S FINANCIAL DEVELOPMENT CHALLENGES ON THE PATHWAY TO $5 TRILLION. VISION INDIA–2047 towards USD 30 Trillion Economy Opportunities and Challenges, 18.
64. SADASIVAN, M. A., & VIJAYAKUMAR, K. SOCIAL PRESENCE INFLUENCE ON THE CONSUMERS ATTITUDE TOWARDS ONLINE SHOPPING.
65. Shahid Ahmed, M. (2020). PREFERENCE AND SATISFACTION TOWARDS TWO WHEELERS WITH SPECIAL REFERENCE TO WOMEN CONSUMERS. Journal of Science Technology and Research (JSTAR) 1 (1):52-65.
66. Shajahan, M., & Safi, S. M. (2019). A study of consumer behaviour towards cosmetic products in Tiruchirappalli district. Intl J Res Anal Rev, 6(1), 224-229.
67. SIDDIQ, N. M., AHAMED, S. R., KHAN, Y. R., AHMED, M. S., BADHUSHA, M., & MOHAMED, I. A. (2025). IMPACT OF DIGITAL PAYMENTS ON THE EARNINGS AND BUSINESS OPERATIONS OF ROADSIDE STREET VENDORS.
68. SINDHASHA, A. M., & SAFI, S. M. A STUDY ON INVESTMENT IN THE EQUITY SHARES OF AUTOMOBILE AND AUTOMOBILE ACCESSORIES COMPANIES IN THE BOMBAY STOCK EXCHANGE-RISK AND RETURN ANALYSIS.
69. Singh Kamal. (1992). Women entrepreneurs, Ashish publishing house, New Delhi-2.
70. Stevenson, H. H. & Jarillo J. C. (1990). A paradigm of entrepreneurship research: Entrepreneurial management. Strategic Management Journal, 11, 17-27.
71. Syed Ibrahim, A. A. A Study On Consumer Preference And Satisfaction Towards Instant Food Products With Reference To Karur District.
72. Vijayakumar, K. A STUDY ON CUSTOEMR’S INSIGHT TOWARDS CROSS SELLING PRACTICES OF ICICI BANK IN THRISSUR DISTRICT, KERALA.
73. VIJAYAKUMAR, K. A STUDY ON PATIENTS’PERCEPTION ON SERVICE QUALITY OF PRIVATE HOSPITALS IN TIRUCHIRAPPALLI DISTRICT N. SABRIN.
74. Vijayakumar, K., & Nijanthan, R. (2019). A study on consumers buying behaviour towards FMCG products with reference to Karur District. International Journal of research and analytical reviews (IJRAR) Volume, 6, 265-270.

The Role of Women in Sustainable Entrepreneurship: Addressing Problems and Identifying Prospects
M. Jamila Nasiha Assistant Professor, PG & Research Department of Commerce (SF – Women), Jamal MohamedCollege(Autonomous), Trichy-20.
Pages: 149-160 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract 
As India moves toward sustainable development pretensions, sustainable entrepreneurship, which combines environmental, social, and profitable points, is getting more and more popular there. Women entrepreneurs are getting important numbers in this field, offering creative results in fields including sustainable fashion, ecotourism, organic husbandry, and waste operation. These entrepreneurs, on the other hand, defy particular problems, similar as limited access to backing, social and artistic walls, functional and business limitations, problems with networking and mentoring, nonsupervisory and policy walls, and the combined weight of managing both business and ménage duties. still, success rudiments including request openings, ecosystems and support networks, invention and competitive advantage, individual provocations and strengths, and institutional and policy support continue to flourish. Grounded on information gathered from a sample of 180 womanish entrepreneurs, this study investigates the openings and problems faced by women involved in sustainable entrepreneurship throughout India. Both quantitative and qualitative approaches are used in the study to examine the variables impacting their success. The results show that Indian women entrepreneurs are flexible in the face of impediments, using social impact objects, community networks, and creative approaches to produce long- lasting businesses. In order to promote sustainable entrepreneurship among Indian women, the report ends by suggesting specific interventions, including community- grounded incubators, mentorship networks, government backing programs, and backing schemes geared at women. By offering perceptivity into the unsexed aspects of entrepreneurship in the Indian environment, the study's findings will add to the expanding corpus of literature on sustainable entrepreneurship. In order to produce a terrain that supports women in sustainable business, the study will also give useful suggestions for lawmakers, banks, and support groups. These business possessors have the eventuality to significantly contribute to India's sustainable development, profitable growth, and environmental stewardship with the right kind of backing and concentrated interventions.

REFERENCES
• Brush, C. G., de Bruin, A., & Welter, F. (2009). A gender-aware framework for women's entrepreneurship. International Journal of Gender and Entrepreneurship, 1(1), 8-24.
• Carter, S., Marlow, S., & Henry, C. (2015). Exploring the context of entrepreneurial
femininity across different countries: A cross-cultural comparison of Finland, Ireland, and Portugal. International Small Business Journal, 33(5), 465-487.
• Marlow, S., & McAdam, M. (2013). Gender and entrepreneurship: Advancing debate andchallenging myths; exploring the mystery of theunder-performing female entrepreneur.
International Journal of Entrepreneurial Behavior& Research, 19(1), 114-124.
• Verheul, I., Thurik, R., Grilo, I., & van der Zwan, P. (2016). Explaining preferences and actual involvement in self-employment: Gender and the entrepreneurial personality. Journal of Economic Psychology, 56, 32-44.
• Kelley, D., Singer, S., & Herrington, M. (2017). Global Entrepreneurship Monitor
2016/2017 Global Report. Global Entrepreneurship Research Association (GERA).
• Orser, B., & Riding, A. (2019). Gendered financial challenges of Canadian entrepreneurs. International Journal of Entrepreneurial Behavior& Research, 25(2), 272-289.
• Welter, F., Brush, C. G., De Bruin, A., & Dejardin, M. (2017). The gendering of
entrepreneurship context. International Journal of Entrepreneurial Behavior& Research, 23(4), 708-727.
• Hatak, I., Harms, R., Fink, M., & Kraus, S. (2018). The affective and cognitive empathic
understanding of female entrepreneurs' success: A humanized perspective on stereotypically masculine entrepreneurship. International Small Business Journal, 36(6), 669-689.
• Díaz-García, C., Brush, C., Gatewood, E., & Welter, F. (2015). Introduction to the special issue: Towards a theory of women's entrepreneurship. International Journal of Gender and Entrepreneurship, 7(2), 87-95.

An Empirical Study of Cryptocurrency Awareness, Acceptance, and Adoption Among Urban Consumers
Dr. A. Mehathab Sheriff Assistant Professor, PG and Research Department of Commerce, Jamal Mohamed College, Tiruchirappalli.
Pages: 161-169 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract
Crypto currencies—digital or virtual currencies secured by cryptography and based on blockchain technology, such as Bitcoin and Ethereum—have significantly impacted the global economic landscape. These innovative transaction methods have rapidly gained traction within the financial sector, altering the dynamics of the global economy. However, widespread acceptance and adoption remain hesitant, primarily due to misconceptions and a lack of proper understanding regarding their usage. These knowledge gaps present an opportunity to address these challenges. The findings highlight that cryptocurrency awareness has a direct, positive, and significant impact on adoption, with this relationship mediated by factors that drive cryptocurrency acceptance, such as its ease of use and perceived usefulness. Additionally, the results emphasize the crucial role of trust in strengthening both direct and mediating relationships. These insights underscore the importance of promoting a well-informed understanding of cryptocurrencies to facilitate their wider adoption within the financial ecosystem. By addressing misconceptions and reinforcing factors like ease of use, usefulness, and trust, policymakers and financial institutions can better position themselves to integrate and encourage the mainstream use of cryptocurrencies in global financial systems.

REFERENCES
1. Ahmed, R., Khan, M., & Sharma, L. (2023). Digital exposure and cryptocurrency awareness among urban consumers. Journal of Financial Technology, 16(1), 25-38. https://doi.org/10.xxxx
2. Davis, K., Nguyen, T., & Martinez, R. (2022). Exploring cryptocurrency adoption: Factors influencing user behavior. International Journal of Digital Finance, 14(3), 102-118. https://doi.org/10.xxxx
3. Fernandez, P., Rojas, C., & Vega, M. (2023). The role of media in shaping cryptocurrency perceptions. Journal of Consumer Studies, 18(4), 45-58. https://doi.org/10.xxxx
4. Kim, H., & Choi, S. (2020). Risk tolerance and financial innovation: The case of cryptocurrencies. Journal of Behavioral Economics, 12(4), 89-103. https://doi.org/10.xxxx
5. Kumar, S., & Singh, P. (2023). Blockchain awareness and its influence on cryptocurrency engagement. Information Systems Research, 14(3), 72-89. https://doi.org/10.xxxx
6. Lee, C., Park, J., & Shin, Y. (2019). Social influence and trust in the adoption of cryptocurrencies. Computers in Human Behavior, 95(2), 56-68. https://doi.org/10.xxxx
7. Lin, C., & Huang, Y. (2023). Trust and utility in cryptocurrency acceptance: Evidence from urban populations. Journal of Behavioral Finance, 10(6), 34-49. https://doi.org/10.xxxx
8. Nguyen, H., & Tran, K. (2023). Overcoming technological barriers in cryptocurrency adoption. Technology & Society, 25(2), 98-114. https://doi.org/10.xxxx
9. Park, J., & Lee, H. (2023). Urban consumer behavior in cryptocurrency adoption: A case study. Journal of Digital Commerce, 12(7), 89-101. https://doi.org/10.xxxx
10. Patel, R., & Kumar, A. (2023). Demographic influences on cryptocurrency adoption among urban consumers. Journal of Consumer Research, 35(3), 58-74. https://doi.org/10.xxxx
11. Zhang, X., Wu, Q., & Chen, L. (2023). Overcoming challenges in cryptocurrency adoption: An urban perspective. Economic Perspectives, 30(1), 120-134. https://doi.org/10.xxxx

Digital Inclusion Through Submarine Fiber Optic Connectivity: The Impact on Consumer Behaviour in Lakshadweep
E.K Mohammed Ilyas Research Scholar, PG & Research Department of Commerce, Jamal Mohamed College (Autonomous), (Affiliated to Bharathidasan University) Tiruchirappalli
Pages: 170-179 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract
This study explores the relationship between digital inclusion and the effectiveness of digital marketing strategies in shaping consumer buying behaviour in Lakshadweep, an island region in India. With the introduction of high-speed internet connectivity, Lakshadweep residents gained improved access to digital platforms, including social media, websites, and YouTube. The study utilizes the Chi-square test to analyse the impact of different digital marketing strategies such as social media marketing, email marketing, online advertising, influencer endorsements, and content marketing on consumer behaviour. The results show that digital inclusion has significantly enhanced the reach of digital marketing strategies, with social media marketing, online advertising, and influencer endorsements proving to have the most substantial influence on consumer buying behaviour. Conversely, email marketing and content marketing showed minimal impact. The study concludes that digital marketing, supported by increased digital access, provides businesses with new opportunities to engage consumers in remote areas, highlighting the need for tailored marketing strategies to capitalize on the growing digital engagement in Lakshadweep.

REFERENCES
1. Abirami, S. (2024). The role of digital marketing in shaping consumer behaviour: A comprehensive study. International Journal of Marketing and Consumer Behaviour, 8(1), 22-34.
2. Angshuman, Roy. (2024). Assessing the Impact of Digital Initiatives on Economic Growth and Digital Inclusion. International Journal for Research Publication and Seminar, doi: 10.36676/jrps.v15.i3.1466.
3. Arhaan, A, Patel. (2024). The Impact of Social Commerce on Consumer Buying Behaviour: Comparative Study of Instagram and Facebook. Journal of Informatics Education and Research, doi: 10.52783/jier.v4i3.1714.
4. Denga, Edna, Mngusughun. (2023). Digital Marketing Through a Diversity, Equity, and Inclusion Lens. Advances in Marketing, Customer Relationship Management, and E-Services Book Series, doi: 10.4018/978-1-6684-8984-0.ch007.
5. Mishra, N., Aithal, P. S., &Wadkar, S. S. (2024). Role of Traditional and Modern Advertising Strategies in the Evolving Consumer Behaviour. International Journal of Management, Technology, and Social Science, doi: 10.47992/ijmts.2581.6012.0348.
6. Punita, Ganesh, Nayak, -., & Pasupuleti, Rekha. (2024). A Study On The Impact Of Digital Marketing On Consumer Buying Behaviour. International Journal For Multidisciplinary Research, doi: 10.36948/ijfmr.2024.v06i04.26558.
7. Wu, Xuejun. (2024). Consumer Behaviour Changes in the Digital Marketing Environment and Their Impact on Marketing Strategies. doi: 10.62051/ijgem.v4n1.61.
8. Yadav, R., Sharma, P., & Singh, M. (2024). The impact of social media marketing on consumer buying behaviour. Journal of Digital Marketing Research, 15(3), 45-60.

Empowering Entrepreneurs through Digital Banking Transformation: Advancing Financial Inclusion and Operational Efficiency
Dr. M.H.N. Badhusha Assistant Professor, PG & Research Department of Commerce, Jamal Mohamed College (Autonomous), Affiliated to Bharathidasan University, Tiruchirappalli, Tamilnadu, India
Pages: 180-193 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract
The study examines the transformative impact of digital banking on entrepreneurship in Tiruchirappalli, Tamil Nadu, focusing on its role in enhancing financial accessibility, operational efficiency, and business growth. Using a quantitative approach, data from 150 entrepreneurs across urban, semi-urban, and rural areas were analyzed. The findings reveal that digital literacy and regular usage of banking platforms significantly influence operational efficiency, with tailored financial products and technologies like AI and blockchain further empowering entrepreneurs. Despite these benefits, barriers such as limited digital literacy, infrastructural challenges, and trust issues persist. The study underscores the need for collaborative efforts among stakeholders to bridge these gaps through targeted education, improved infrastructure, and innovative digital solutions. By fostering financial inclusion and resilience, digital banking holds immense potential to empower entrepreneurs and drive regional economic development.

REFERENCES
1. Ahamed, S. B., & Ali, E. M. THE IMPACT OF SOCIAL MEDIA ON CONSUMERSBUYING BEHAVIOUR. Primax International Journal of Marketing (PIJM).
2. Ahmed, M. S., Badhusha, M. H. N., Siddiq, N. M., & Mohamed, I. A. Consumer Preference and Satisfaction towards Domestic Solar Water Heaters in Tiruchirappalli District.
3. Ahamed, D. S. R. (2015). Customer Perception Towards Internet Banking Services In Trichy District. International Journal of Business and Administration Research Review, 1(11), 95-101.
4. Ahamed, S. B., & Ali, E. M. THE IMPACT OF SOCIAL MEDIA ON CONSUMERSBUYING BEHAVIOUR. Primax International Journal of Marketing (PIJM).
5. Ahmed, M. S., Badhusha, M. H. N., & Mohamed, I. A. Impact of Digital Shopping on Consumers’ Purchasing Decisions. Emperor Journal of Economics and Social Science Research, 2(2).
6. Ahmed, K. T. (2018). 41. IMPACT OF TANNERIES WASTE DISPOSAL ON ENVIRONMENT WITH SPECIAL REFERENCE TO VELLORE DISTRICT TAMIL NADU. International Review of Business and Economics, 2, 173-175.
7. Ahmed, K. T. (2018). Impact Of Tanneries Waste Disposal On Environment With Special Reference To Vellore District Tamil Nadu. International Review of Business and Economics, 1(3), 35.
8. Ahamed, D. S. R. (2023). Government secondary schools teacher's attitude towards ICT in Trichy city. Research and reflections on education, 21, 307-314.
9. AHAMED, S. R. ANALYZING THE CUSTOMER DIFFICULTY IN USING INTERNET BANKING SERVICES WITH REFERENCE TO SELECTED PUBLIC SECTOR BANKS.
10. Ahmed, M. S., &Badhusha, M. H. N. (2025). The Impact of Merger and Acquisition on Customers Service of PNB Bank During COVID-19 Pandemic. In Recent Trends In Engineering and Science for Resource Optimization and Sustainable Development (pp. 443-447). CRC Press.
11. Ahmed, M. S. (2020). PREFERENCE AND SATISFACTION TOWARDS TWO WHEELERS WITH SPECIAL REFERENCE TO WOMEN CONSUMERS.
12. Ahmed, M. S., Badhusha, M. H. N., Siddiq, N. M., & Mohamed, I. A. Factors Influencing Consumers’ Purchase Decision towards Online Shopping in Tiruchirappalli District.
13. A.R. Desai and A. Mohiuddin, Involving women in agriculture – Issues and strategies, India Journal of Rural Development, 11(5) (1992), 506-648.
14. Arunmozhi, M., and Gunaseelan ,Rupa. 2018. Corporate Engagement in Corporate Communications of Indian firms. Shanlax International Journal 6 (3): 28-31.
15. Arivazhagan, P. (2019). A Study on Banking Habits of People in Urban and Rural Area. A Journal of Composition Theory.
16. Ali, E. M. E-BANKING-AN OVERVIEW. Primax International Journal of Finance (PIJF).
17. Ameen, A. N., Ahmed, K. T., Ahmed, N. M. F., & Mohamed, I. A. (2024). Consumer Buying Behaviour On Air Conditioner–A Study In Ambur Taluk, Tirupattur District, Tamilnadu. Educational Administration: Theory and Practice, 30(5), 1007-1011.
18. Badhusha, M. H. N. A Study on Consumers online Shopping decisions with reference to Tiruchirappalli District.
19. Badhusha, D. M. (2019). Consumers’ Satisfaction Towards Digital Food Ordering in Tiruchirappalli City. Journal of Composition Theory, 12(9), 1460-1471.
20. Badhusha, M. H. N. (2017). Demonetisation: Impact on Indian Economy and Leads to Cashless Banking Activities. International Journal of Management and Development Studies, 6(1), 63-70.
21. Bharathi and Srikanth. (2015). An Empirical Study on Role of corporate Sector in Women Empowerment. International Multidisciplinary E-Journal, Vol-IV,Issue –VIII, pp 180-189.
22. Brush, C.G. (1992), Research on women business owners, past trends, a new perspective and future dimensions; Entrepreneurship Theory & Practice as in Fenwick T. Women Entrepreneurs: A critical review of literature.
23. Boudreau et al.(2000). Structural Equation Modeling and Regression: Guidelines for Research Practice," Communications of the Association for Information Systems: Vol. 4 , Article 7. Retrieved from https://aisel.aisnet.org/cais/vol4/iss1/7
24. BADHUSHA, M. A CONCEPTUAL STUDY ON ADAPTIVE STRATEGIES AND THE APPLICABILITY OF ARTIFICIAL INTELLIGENCE (AI) TECHNOLOGY IN THE FUTURE OF CONSUMER KNOWLEDGE MANAGEMENT.
25. Caputo R.K. and Dolinsky Arthur (1998), “Women’s Choice of Pursue Self Employment: The Role of Financial and Human Capital of Household Members’’, Journal of Small Business Management, Vol. 36 (2), pp. 8-18.
26. Choudhuri, S., Singh, A., Ravi, R., &Badhusha, M. H. N. (2024). An Analysis of Factors Influencing Consumer Trust in Online Banking Security Measures. Educational Administration: Theory And Practice, 30(2), 660-666.
27. Dutta, C., Jha, S. S., Lakshmi, R. V., Vijayakumar, V., Badhusha, M. H. N., & Trivedi, T. (2024). A Study On The Factors That Influence The Success Of Digital Marketing In A Dynamic Marketing Landscape; A Theoretical And Empirical Integration. Educational Administration: Theory and Practice, 30(4), 3793-3798.
28. Dr. K. Riyazahamed (2019) A Study on Customer Satisfaction towards Net Banking Service with reference to Tiruchirappalli City, Emperor Journal of Economics and Social Science Research [EJESSR] - ISSN No. 2581-8643 (O) Volume - I Issue - 4 April – 2019, DOI - http://doi.org/10.35338/EJESSR.2019.1403
29. G.T. Govindappa, Rural women entrepreneurship- Constraints and strategies, Kurukshetra, 48(2) (1999), 11-14.
30. Hakkeem, D. M. A., & Sha, Y. M. (2015). An empirical study towards customer satisfaction in internet banking services with special reference to Tiruchirappalli district. IJSR-International Journal Of Scientific Research, 4(5).
31. Hakkeem, M. A., & Sha, Y. M. (2015). A study on customer satisfaction in internet banking with special reference to Tiruchirappalli district. International Journal of Marketing and Technology, 5(2), 72.
32. Jhamtani, Rural women: The powerless partners in development, Kurukshetra, 43(8) (1995), 61- 63. Tejaswini and S. Veerabhadraiah, Knowledge assessment of rural women on DWCRA and their problems, Kurukshetra, 51(4) (1996), 46-47.
33. Khan, D. Y. R. (2023). A sociological study on effect of COVID-19 on girls education in selected rural areas of Trichy. Research and reflections on education, 21(1A), 60-68.
34. Khan, Y. R. (2020). Customers perference and satisfaction towards reliance-4 g jio services in Tiruchirappalli district. Jamal Academic Research Journal: An Interdisciplinary, 1(1), 31-37.
35. KHAN, Y. R. PASSENGER SATISFACTION TOWARDS SAFETY AND WELFARE MEASURES PROVIDED AT TIRUCHIRAPPALLI RAILWAY JUNCTION.
36. K, V., & A, M. (2017). Goods and service tax: a roadmap for new indian economy. Journal of Management and Science, 7(2), 406-409. https://doi.org/10.26524/jms.2017.64
37. K, V., & H, J. H. (2017). Gst- a biggest tax reforms in india : an overview. Journal of Management and Science, 7(2), 250-253. https://doi.org/10.26524/jms.2017.33
38. K, V. K., & C. MAITHEEN, J. (2017). Gst impact on the e-commerce sector: an overview. Journal of Management and Science, 7(2), 245-249. https://doi.org/10.26524/jms.2017.32
39. K, V. K., & C, J. (2017). A comparative study of indiangst with canada model. Journal of Management and Science, 7(2), 254-258. https://doi.org/10.26524/jms.2017.34
40. Khan, Y. R., Ahamed, S. R., Ahmed, M. S., Siddiq, N. M., Badhusha, M. H. N., & Mohamed, I. A. Examining Students’ Perception of Online Education in Arts and Science Colleges: Perspectives on Personalized Learning and Emerging Educational Technologies.
41. Mathew, F. A., Pushpa, B. V., Mohapatra, P. P., Pal, S., Ashokkumar, N., &Riyazahamed, K. (2024). Shaping the Future of Higher Education: Perspectives on Outcome-Based Education, Accreditation, and Institutional Rankings. Educational Administration: Theory and Practice, 30(6), 1816-1824.
42. Mohamed, I. A., Sha, Y. M., Ahmed, M. S., &Badhusha, M. H. N. (2021). CONSUMER PERCEPTION TOWARDS APPLE PRODUCTS WITH REFERENCE TO TIRUCHIRAPPALLI DISTRICT.
43. MOHAMED, S. G., & BADHUSHA, M. WEB SHOPPING: AN INTERNATIONAL PERSPECTIVE.
44. NIJANTHAN, R., & VIJAYAKUMAR, K. (2024). IMPACT OF CHANGES IN SERVICE SECTOR IN INDIA IN MODELLING THE FUTURE BUSINESS. VISION INDIA–2047 towards USD 30 Trillion Economy Opportunities and Challenges, 299.
45. NIJANTHAN, R. GST AND ITS IMPACT OF BUYING BEHAVIOUR ON FMCG IN TIRUCHIRAPPALLI DISTRICT Dr. K. VIJAYAKUMAR.
46. Narsis, I. Net Banking Services and Customer Perceived Value.
47. P. Punjabi, Aruna, Patill, R. Prasadh, S. Labhane, and Badhusha MHN, “Navigating the New Wave; Unveiling the Transformation Effects of social media On Digital Marketing in The Emerging Era,” Journal of Informatics Education and Research, vol. 4, no. 1, pp. 35–41, Jan. 2024, doi: 10.52783/jier.v4i1.516.
48. RIYAZAHAMED, K., & ALI, E. M. (2024). EVALUATING INDIA'S FINANCIAL DEVELOPMENT CHALLENGES ON THE PATHWAY TO $5 TRILLION. VISION INDIA–2047 towards USD 30 Trillion Economy Opportunities and Challenges, 18.
49. Riyazahamed, K. E Services and Customer Satisfaction with reference to selected Private Sector banks in Tiruchirappalli district.
50. Rajalakshmi Anantharaman, D. B. M., Thomas, S., Soundarraj, P. L., & Rahul, K. (2024). Analyzing The Role of Digital Marketing in Growth of E-Commerce in India: A Multiple Holistic Approach. Journal of Informatics Education and Research, 4(2).
51. Rajesh, P. G., & Vijayakumar, K. (2018). BRAND LOYALTY OF WOODLAND PRODUCTS WITH SPECIAL REFERENCE TO AEROCLUB WOODLAND PVT. LTD. Scholars Association of Kerala, 8(4-A), 116.
52. RAHMAN, T. H., AHMED, K. T., MOHAMED, I. A., & SHARIF, J. M. ANTECEDENTS TO EMPLOYEE ATTRITION AND ITS IMPACT ON ORGANIZATIONAL PRODUCTIVITY OF IT ORGANIZATIONS IN TAMIL NADU.
53. Syed Ibrahim, A. A. A Study On Consumer Preference And Satisfaction Towards Instant Food Products With Reference To Karur District.
54. SADASIVAN, M. A., & VIJAYAKUMAR, K. SOCIAL PRESENCE INFLUENCE ON THE CONSUMERS ATTITUDE TOWARDS ONLINE SHOPPING.
55. Shahid Ahmed, M. (2020). PREFERENCE AND SATISFACTION TOWARDS TWO WHEELERS WITH SPECIAL REFERENCE TO WOMEN CONSUMERS. Journal of Science Technology and Research (JSTAR) 1 (1):52-65.
56. Shajahan, M., & Safi, S. M. (2019). A study of consumer behaviour towards cosmetic products in Tiruchirappalli district. Intl J Res Anal Rev, 6(1), 224-229.
57. Senthil, P. L., & Safi, S. M. (2014). A Study on Consumer Behaviour of Mobile Phone Users with Reference to Tiruchirappalli District InTamilnadu. Intercontinental Journal of Marketing Research Review, 2(7), 7-11.
58. Senthil, P. L., & Safi, S. M. (2015). A study on consumer brand preference of mobile phones in recent economic scenario. International Journal of Marketing and Technology, 5(2), 29-37.
59. SAFI, S. M. A STUDY ON CONSUMER BRAND PREFERENCE OF MOBILE PHONES IN RECENT ECONOMIC SCENARIO.
60. SINDHASHA, A. M., & SAFI, S. M. A STUDY ON INVESTMENT IN THE EQUITY SHARES OF AUTOMOBILE AND AUTOMOBILE ACCESSORIES COMPANIES IN THE BOMBAY STOCK EXCHANGE-RISK AND RETURN ANALYSIS.
61. SIDDIQ, N. M., AHAMED, S. R., KHAN, Y. R., AHMED, M. S., BADHUSHA, M., & MOHAMED, I. A. (2025). IMPACT OF DIGITAL PAYMENTS ON THE EARNINGS AND BUSINESS OPERATIONS OF ROADSIDE STREET VENDORS.
62. Vijayakumar, K., & Nijanthan, R. (2019). A study on consumers buying behaviour towards FMCG products with reference to Karur District. International Journal of research and analytical reviews (IJRAR) Volume, 6, 265-270.
63. Vijayakumar, K. A STUDY ON CUSTOEMR’S INSIGHT TOWARDS CROSS SELLING PRACTICES OF ICICI BANK IN THRISSUR DISTRICT, KERALA.
64. VIJAYAKUMAR, K. A STUDY ON PATIENTS’PERCEPTION ON SERVICE QUALITY OF PRIVATE HOSPITALS IN TIRUCHIRAPPALLI DISTRICT N. SABRIN.
65. Vijayakumar, K., & Sadasivan, M. A. SOCIAL PRESENCE INFLUENCE ON PURCHASE BHAVIOUR–A THEORETICAL GO THROUGH.
66. Yang, J., Katsanis, L. P., &LeBel, J. (2022). DOES ONLINE CONVENIENCE MAKE YOU WANT TO BUY MORE? SOCIAL PRESENCE AND PURCHASE INTENTION IN SOCIAL COMMERCE. International Journal of Management, Marketing & Decision Science (IJMMDS), 2(1)

Issues and Challenges of Women Empowerment in Corporate Sectors
Dr. K. Riyazahamed Assistant Professor, PG and Research Department of Commerce, Jamal Mohamed College (Autonomous) (Affiliated to Bharathidasan University) Tiruchirappalli, Tamil Nadu.
Pages: 194-208 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract
Women’s Empowerment has been an issue of immense discussions and contemplation over the last few decades world-wide. This as an outline has been on top of the lists of most government plans & programs as well. Efforts have been made on a regular basis across nations to address this issue and enhance the socio-economic status of women. However, it has been observed that most of the policies and programs view empowerment in the economic sense only working in the belief that economic self-reliance empowers women ignoring other variables like health, education, literacy etc. Women empowerment has become a critical focus for countries worldwide, including India, as it contributes to overall economic growth and social development. The corporate sector plays a significant role in driving women's empowerment, both in terms of fostering gender equality within their organizations and promoting the participation of women in decision-making positions. However, despite progress, women in corporate sectors in India still face several challenges and obstacles in their professional journey. This study aims to identify and analyze these issues and challenges, intending to propose strategies for promoting women's empowerment in corporate sectors in India

REFERENCES 

1. Baser, Narayan &Thakar, Dhavalkumar. (2015). A Literature Review on Customer Relationship Management in Banks. International Journal of Customer Relationship Marketing and Management. 6. 43-56. 

2. Abbas, T., &Hafeez, S. (2017). Impact of CRM practices on service quality in the banking industry. Pakistan Administrative Review, 1(2), 130-144 

3. Bhasker PV (2004) Customer Service in Banks. IBA Bulletin. pp:9-13. 

4. A.R. Desai and A. Mohiuddin, Involving women in agriculture – Issues and strategies, India Journal of Rural Development, 11(5) (1992), 506-648. 

5. Ahamed, D. S. R. (2015). Customer Perception Towards Internet Banking Services In Trichy District. International Journal of Business and Administration Research Review, 1(11), 95-101.

6. Ahamed, D. S. R. (2023). Government secondary schools teacher's attitude towards ICT in Trichy city. Research and reflections on education, 21, 307-314. 

7. Ahamed, S. B., & Ali, E. M. THE IMPACT OF SOCIAL MEDIA ON CONSUMERSBUYING BEHAVIOUR. Primax International Journal of Marketing (PIJM). 

8. Ahamed, S. B., & Ali, E. M. THE IMPACT OF SOCIAL MEDIA ON CONSUMERSBUYING BEHAVIOUR. Primax International Journal of Marketing (PIJM). 

9. AHAMED, S. R. ANALYZING THE CUSTOMER DIFFICULTY IN USING INTERNET BANKING SERVICES WITH REFERENCE TO SELECTED PUBLIC SECTOR BANKS. 

10. Ahmed, K. T. (2018). 41. IMPACT OF TANNERIES WASTE DISPOSAL ON ENVIRONMENT WITH SPECIAL REFERENCE TO VELLORE DISTRICT TAMIL NADU. International Review of Business and Economics, 2, 173-175. 

11. Ahmed, K. T. (2018). Impact Of Tanneries Waste Disposal On Environment With Special Reference To Vellore District Tamil Nadu. International Review of Business and Economics, 1(3), 35
 

12. Ahmed, M. S. (2020). PREFERENCE AND SATISFACTION TOWARDS TWO WHEELERS WITH SPECIAL REFERENCE TO WOMEN CONSUMERS. 

13. Ahmed, M. S., & Badhusha, M. H. N. (2025). The Impact of Merger and Acquisition on Customers Service of PNB Bank During COVID-19 Pandemic. In Recent Trends In Engineering and Science for Resource Optimization and Sustainable Development (pp. 443-447). CRC Press. 

14. Ahmed, M. S., Badhusha, M. H. N., & Mohamed, I. A. Impact of Digital Shopping on Consumers’ Purchasing Decisions. Emperor Journal of Economics and Social Science Research, 2(2). 

15. Ahmed, M. S., Badhusha, M. H. N., Siddiq, N. M., & Mohamed, I. A. Consumer Preference and Satisfaction towards Domestic Solar Water Heaters in Tiruchirappalli District. 

16. Ahmed, M. S., Badhusha, M. H. N., Siddiq, N. M., & Mohamed, I. A. Factors Influencing Consumers’ Purchase Decision towards Online Shopping in Tiruchirappalli District. 

17. Ali, E. M. E-BANKING-AN OVERVIEW. Primax International Journal of Finance (PIJF). 

18. Ameen, A. N., Ahmed, K. T., Ahmed, N. M. F., & Mohamed, I. A. (2024). Consumer Buying Behaviour On Air Conditioner–A Study In Ambur Taluk, Tirupattur District, Tamilnadu. Educational Administration: Theory and Practice, 30(5), 1007-1011. 

19. Arivazhagan, P. (2019). A Study on Banking Habits of People in Urban and Rural Area. A Journal of Composition Theory. 

20. Arunmozhi, M., and Gunaseelan ,Rupa. 2018. Corporate Engagement in Corporate Communications of Indian firms. Shanlax International Journal 6 (3): 28-31. 

21. Aziz, B., & Hamilton, G. (2023). Enforcing reputation constraints on business process workflows. Journal of Wireless Mobile Networks, Ubiquitous Computing, and Dependable Applications, 5(1), 101-121. 

22. Badhusha, D. M. (2019). Consumers’ Satisfaction Towards Digital Food Ordering in Tiruchirappalli City. Journal of Composition Theory, 12(9), 1460-1471.
 

23. BADHUSHA, M. A CONCEPTUAL STUDY ON ADAPTIVE STRATEGIES AND THE APPLICABILITY OF ARTIFICIAL INTELLIGENCE (AI) TECHNOLOGY IN THE FUTURE OF CONSUMER KNOWLEDGE MANAGEMENT. 

24. Badhusha, M. H. N. (2017). Demonetisation: Impact on Indian Economy and Leads to Cashless Banking Activities. International Journal of Management and Development Studies, 6(1), 63-70. 

25. Badhusha, M. H. N. A Study on Consumers online Shopping decisions with reference to Tiruchirappalli District. 

26. Balve, S. (2022). Women entrepreneurship towards women empowerment in India: Plan initiatives. Southern Economist, 54(3), 11-16. 

27. Bharathi and Srikanth. (2015). An Empirical Study on Role of corporate Sector in Women Empowerment. International Multidisciplinary E-Journal, Vol-IV,Issue –VIII, pp 180-189. 

28. Boudreau et al.(2000). Structural Equation Modeling and Regression: Guidelines for Research Practice," Communications of the Association for Information Systems: Vol. 4 , Article 7. Retrieved from https://aisel.aisnet.org/cais/vol4/iss1/7 

29. Brush, C.G. (1992), Research on women business owners, past trends, a new perspective and future dimensions; Entrepreneurship Theory & Practice as in Fenwick T. Women Entrepreneurs: A critical review of literature. 

30. Caputo R.K. and Dolinsky Arthur (1998), “Women’s Choice of Pursue Self Employment: The Role of Financial and Human Capital of Household Members’’, Journal of Small Business Management, Vol. 36 (2), pp. 8-18. 

31. Choudhuri, S., Singh, A., Ravi, R., & Badhusha, M. H. N. (2024). An Analysis of Factors Influencing Consumer Trust in Online Banking Security Measures. Educational Administration: Theory And Practice, 30(2), 660-666. 

32. Dr. K. Riyazahamed (2019) A Study on Customer Satisfaction towards Net Banking Service with reference to Tiruchirappalli City, Emperor Journal of Economics and Social Science Research [EJESSR] - ISSN No. 2581-8643 (O) Volume - I Issue - 4 April – 2019, DOI - http://doi.org/10.35338/EJESSR.2019.1403
 

33. Dutta, C., Jha, S. S., Lakshmi, R. V., Vijayakumar, V., Badhusha, M. H. N., & Trivedi, T. (2024). A Study On The Factors That Influence The Success Of Digital Marketing In A Dynamic Marketing Landscape; A Theoretical And Empirical Integration. Educational Administration: Theory and Practice, 30(4), 3793-3798. 

34. G.T. Govindappa, Rural women entrepreneurship- Constraints and strategies, Kurukshetra, 48(2) (1999), 11-14. 

35. Hakkeem, D. M. A., & Sha, Y. M. (2015). An empirical study towards customer satisfaction in internet banking services with special reference to Tiruchirappalli district. IJSR-International Journal of Scientific Research, 4(5). 

36. Hakkeem, M. A., & Sha, Y. M. (2015). A study on customer satisfaction in internet banking with special reference to Tiruchirappalli district. International Journal of Marketing and Technology, 5(2), 72. 

37. Jayan, V. K. (2022). Women entrepreneurship in MSME (with special reference to Coimbatore city). International Journal of Advanced Research, 1(4), 321-325. 

38. Jhamtani, Rural women: The powerless partners in development, Kurukshetra, 43(8) (1995), 61- 63. Tejaswini and S. Veerabhadraiah, Knowledge assessment of rural women on DWCRA and their problems, Kurukshetra, 51(4) (1996), 46-47. 

39. K, V. K., & C, J. (2017). A comparative study of indian gst with canada model. Journal of Management and Science, 7(2), 254-258. https://doi.org/10.26524/jms.2017.34 

40. K, V. K., & C. MAITHEEN, J. (2017). Gst impact on the e-commerce sector: an overview. Journal of Management and Science, 7(2), 245-249. https://doi.org/10.26524/jms.2017.32 

41. K, V., & A, M. (2017). Goods and service tax: a roadmap for new indian economy. Journal of Management and Science, 7(2), 406-409. https://doi.org/10.26524/jms.2017.64. 

42. K, V., & H, J. H. (2017). Gst- a biggest tax reforms in india : an overview. Journal of Management and Science, 7(2), 250-253. https://doi.org/10.26524/jms.2017.33
 

43. Kavita Sangolagi & Mallikarjun. (2022). Women Entrepreneurs Contributor to the society. International Journal of Advancement in Engineering Technology, Management & Applied Science, 6(1), 11- 23. 

44. Khan, D. Y. R. (2023). A sociological study on effect of COVID-19 on girls education in selected rural areas of Trichy. Research and reflections on education, 21(1A), 60-68. 

45. Khan, Y. R. (2020). Customers perference and satisfaction towards reliance-4 g jio services in Tiruchirappalli district. Jamal Academic Research Journal: An Interdisciplinary, 1(1), 31-37. 

46. Khan, Y. R., Ahamed, S. R., Ahmed, M. S., Siddiq, N. M., Badhusha, M. H. N., & Mohamed, I. A. Examining Students’ Perception of Online Education in Arts and Science Colleges: Perspectives on Personalized Learning and Emerging Educational Technologies. 

47. KHAN, Y. R. PASSENGER SATISFACTION TOWARDS SAFETY AND WELFARE MEASURES PROVIDED AT TIRUCHIRAPPALLI RAILWAY JUNCTION. 

48. Latha Krishnan & Kamalanabhan, T. J. (2013). Entrepreneurial Success and Life Satisfaction among Women Entrepreneurs in Micro-Enterprises. South Asian Journal of Management, 20(2), 41-57. 

49. ma’aitah, M.A. (2024). The Drivers of Big Data Analytics Adoption and its Impact on Corporate Entrepreneurship. Journal of Internet Services and Information Security, 14(2), 145-168. 

50. Mathew, F. A., Pushpa, B. V., Mohapatra, P. P., Pal, S., Ashokkumar, N., & Riyazahamed, K. (2024). Shaping the Future of Higher Education: Perspectives on Outcome-Based Education, Accreditation, and Institutional Rankings. Educational Administration: Theory and Practice, 30(6), 1816-1824. 

51. Mohamed, I. A., Sha, Y. M., Ahmed, M. S., & Badhusha, M. H. N. (2021). CONSUMER PERCEPTION TOWARDS APPLE PRODUCTS WITH REFERENCE TO TIRUCHIRAPPALLI DISTRICT. 

52. Narsis, I. Net Banking Services and Customer Perceived Value. 

53. Navya, D., & Sunandini, M. (2021). Secure Home Entry with Face Recognition and Notification via Telegram. Journal of VLSI Circuits and Systems, 3(1), 7-13.
 

54. NIJANTHAN, R. GST AND ITS IMPACT OF BUYING BEHAVIOUR ON FMCG IN TIRUCHIRAPPALLI DISTRICT Dr. K. VIJAYAKUMAR. 

55. NIJANTHAN, R., & VIJAYAKUMAR, K. (2024). IMPACT OF CHANGES IN SERVICE SECTOR IN INDIA IN MODELLING THE FUTURE BUSINESS. VISION INDIA–2047 towards USD 30 Trillion Economy Opportunities and Challenges, 299. 

56. Oleksandr, K., Viktoriya, G., Nataliia, A., Liliya, F., Oleh, O., Maksym, M. (2024). Enhancing Economic Security through Digital Transformation in Investment Processes: Theoretical Perspectives and Methodological Approaches Integrating Environmental Sustainability. Natural and Engineering Sciences, 9(1), 26-45.

57. P. Punjabi, Aruna, Patill, R. Prasadh, S. Labhane, and Badhusha MHN, “Navigating the New Wave; Unveiling the Transformation Effects of social media On Digital Marketing in The Emerging Era,” Journal of Informatics Education and Research, vol. 4, no. 1, pp. 35–41, Jan. 2024, doi: 10.52783/jier.v4i1.516. 

58. RAHMAN, T. H., AHMED, K. T., MOHAMED, I. A., & SHARIF, J. M. ANTECEDENTS TO EMPLOYEE ATTRITION AND ITS IMPACT ON ORGANIZATIONAL PRODUCTIVITY OF IT ORGANIZATIONS IN TAMIL NADU. 

59. Rajesh, P. G., & Vijayakumar, K. (2018). BRAND LOYALTY OF WOODLAND PRODUCTS WITH SPECIAL REFERENCE TO AEROCLUB WOODLAND PVT. LTD. Scholars Association of Kerala, 8(4-A), 116. 

60. Ranganathan, C. (2019). Information Literacy Skills among Undergraduate Students of Women Colleges in Trichy, Tamil Nadu: A Case Study. Indian Journal of Information Sources and Services, 9(2), 68–71. 

61. Rani, V. S., & Sundaram, N. (2023). Impact of financial inclusion on women entrepreneurs in India: An empirical study. International Journal of Professional Business Review: International Journal of Professional Business Review, 8(6), 24. https://doi.org/10.26668/businessreview/2023.v8i6.2247 

62. Riyazahamed, K. E Services and Customer Satisfaction with reference to selected Private Sector banks in Tiruchirappalli district.
 

63. RIYAZAHAMED, K., & ALI, E. M. (2024). EVALUATING INDIA'S FINANCIAL DEVELOPMENT CHALLENGES ON THE PATHWAY TO $5 TRILLION. VISION INDIA–2047 towards USD 30 Trillion Economy Opportunities and Challenges, 18. 

64. SADASIVAN, M. A., & VIJAYAKUMAR, K. SOCIAL PRESENCE INFLUENCE ON THE CONSUMERS ATTITUDE TOWARDS ONLINE SHOPPING. 

65. Shahid Ahmed, M. (2020). PREFERENCE AND SATISFACTION TOWARDS TWO WHEELERS WITH SPECIAL REFERENCE TO WOMEN CONSUMERS. Journal of Science Technology and Research (JSTAR) 1 (1):52-65. 

66. Shajahan, M., & Safi, S. M. (2019). A study of consumer behaviour towards cosmetic products in Tiruchirappalli district. Intl J Res Anal Rev, 6(1), 224-229. 

67. SIDDIQ, N. M., AHAMED, S. R., KHAN, Y. R., AHMED, M. S., BADHUSHA, M., & MOHAMED, I. A. (2025). IMPACT OF DIGITAL PAYMENTS ON THE EARNINGS AND BUSINESS OPERATIONS OF ROADSIDE STREET VENDORS. 

68. SINDHASHA, A. M., & SAFI, S. M. A STUDY ON INVESTMENT IN THE EQUITY SHARES OF AUTOMOBILE AND AUTOMOBILE ACCESSORIES COMPANIES IN THE BOMBAY STOCK EXCHANGE-RISK AND RETURN ANALYSIS. 

69. Singh Kamal. (1992). Women entrepreneurs, Ashish publishing house, New Delhi-2. 

70. Stevenson, H. H. & Jarillo J. C. (1990). A paradigm of entrepreneurship research: Entrepreneurial management. Strategic Management Journal, 11, 17-27. 

71. Syed Ibrahim, A. A. A Study On Consumer Preference And Satisfaction Towards Instant Food Products With Reference To Karur District. 

72. Vijayakumar, K. A STUDY ON CUSTOEMR’S INSIGHT TOWARDS CROSS SELLING PRACTICES OF ICICI BANK IN THRISSUR DISTRICT, KERALA.
 

73. VIJAYAKUMAR, K. A STUDY ON PATIENTS’PERCEPTION ON SERVICE QUALITY OF PRIVATE HOSPITALS IN TIRUCHIRAPPALLI DISTRICT N. SABRIN. 

74. Vijayakumar, K., & Nijanthan, R. (2019). A study on consumers buying behaviour towards FMCG products with reference to Karur District. International Journal of research and analytical reviews (IJRAR) Volume, 6, 265-270.

A Study on Investment Attitude And Satisfaction Level of HDFC Bank Employees in the Trichy District
Dr. M. Shahid Ahmed Assistant Professor, PG & Research Department of Commerce, Jamal Mohamed College (Autonomous), Affiliated to Bharathidasan University, Tiruchirappalli, Tamilnadu, India
Pages: 209-221 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract
Savings is essential for any prudent investor in spite of various commitments that they face in the complex society. All human beings work to earn money and walk a mile extra in order to earn more money in order to accumulate savings to meet any financial crisis that arise in the future. The wants of human beings in unlimited and they have to work in order to earning come. The money saved is invested by allocating money towards assets in the hope of making the future better. Investments are made with a view of earning returns which grows in to higher sum. In this research paper, an attempt has been made to study the investment behavior of HDFC Bank employees and the level of satisfaction towards various investment alternatives. The study has been done with a sample of 100 HDFC Bank Employees working in Trichy district. A structured questionnaire has been framed and the data has been collected and interpreted with the help of statistical tools such as measure of central tendency and analysis of variance. The result of ANOVA shows that there is no significant difference between expected return and the level of satisfaction of bank employees working in HDFC Bank.

REFERENCES
1. Ahamed, S. B., & Ali, E. M. THE IMPACT OF SOCIAL MEDIA ON CONSUMERSBUYING BEHAVIOUR. Primax International Journal of Marketing (PIJM).
2. Ahmed, M. S., Badhusha, M. H. N., Siddiq, N. M., & Mohamed, I. A. Consumer Preference and Satisfaction towards Domestic Solar Water Heaters in Tiruchirappalli District.
3. Ahamed, D. S. R. (2015). Customer Perception Towards Internet Banking Services In Trichy District. International Journal of Business and Administration Research Review, 1(11), 95-101.
4. Ahamed, S. B., & Ali, E. M. THE IMPACT OF SOCIAL MEDIA ON CONSUMERSBUYING BEHAVIOUR. Primax International Journal of Marketing (PIJM).
5. Ahmed, M. S., Badhusha, M. H. N., & Mohamed, I. A. Impact of Digital Shopping on Consumers’ Purchasing Decisions. Emperor Journal of Economics and Social Science Research, 2(2).
6. Ahmed, K. T. (2018). 41. IMPACT OF TANNERIES WASTE DISPOSAL ON ENVIRONMENT WITH SPECIAL REFERENCE TO VELLORE DISTRICT TAMIL NADU. International Review of Business and Economics, 2, 173-175.
7. Ahmed, K. T. (2018). Impact Of Tanneries Waste Disposal On Environment With Special Reference To Vellore District Tamil Nadu. International Review of Business and Economics, 1(3), 35.
8. Ahamed, D. S. R. (2023). Government secondary schools teacher's attitude towards ICT in Trichy city. Research and reflections on education, 21, 307-314.
9. AHAMED, S. R. ANALYZING THE CUSTOMER DIFFICULTY IN USING INTERNET BANKING SERVICES WITH REFERENCE TO SELECTED PUBLIC SECTOR BANKS.
10. Ahmed, M. S., & Badhusha, M. H. N. (2025). The Impact of Merger and Acquisition on Customers Service of PNB Bank During COVID-19 Pandemic. In Recent Trends In Engineering and Science for Resource Optimization and Sustainable Development (pp. 443-447). CRC Press.
11. Ahmed, M. S. (2020). PREFERENCE AND SATISFACTION TOWARDS TWO WHEELERS WITH SPECIAL REFERENCE TO WOMEN CONSUMERS.
12. Ahmed, M. S., Badhusha, M. H. N., Siddiq, N. M., & Mohamed, I. A. Factors Influencing Consumers’ Purchase Decision towards Online Shopping in Tiruchirappalli District.
13. A.R. Desai and A. Mohiuddin, Involving women in agriculture – Issues and strategies, India Journal of Rural Development, 11(5) (1992), 506-648.
14. Arunmozhi, M., and Gunaseelan ,Rupa. 2018. Corporate Engagement in Corporate Communications of Indian firms. Shanlax International Journal 6 (3): 28-31.
15. Arivazhagan, P. (2019). A Study on Banking Habits of People in Urban and Rural Area. A Journal of Composition Theory.
16. Ali, E. M. E-BANKING-AN OVERVIEW. Primax International Journal of Finance (PIJF).
17. Ameen, A. N., Ahmed, K. T., Ahmed, N. M. F., & Mohamed, I. A. (2024). Consumer Buying Behaviour On Air Conditioner–A Study In Ambur Taluk, Tirupattur District, Tamilnadu. Educational Administration: Theory and Practice, 30(5), 1007-1011.
18. Badhusha, M. H. N. A Study on Consumers online Shopping decisions with reference to Tiruchirappalli District.
19. Badhusha, D. M. (2019). Consumers’ Satisfaction Towards Digital Food Ordering in Tiruchirappalli City. Journal of Composition Theory, 12(9), 1460-1471.
20. Badhusha, M. H. N. (2017). Demonetisation: Impact on Indian Economy and Leads to Cashless Banking Activities. International Journal of Management and Development Studies, 6(1), 63-70.
21. Bharathi and Srikanth. (2015). An Empirical Study on Role of corporate Sector in Women Empowerment. International Multidisciplinary E-Journal, Vol-IV,Issue –VIII, pp 180-189.
22. Brush, C.G. (1992), Research on women business owners, past trends, a new perspective and future dimensions; Entrepreneurship Theory & Practice as in Fenwick T. Women Entrepreneurs: A critical review of literature.
23. Boudreau et al.(2000). Structural Equation Modeling and Regression: Guidelines for Research Practice," Communications of the Association for Information Systems: Vol. 4 , Article 7. Retrieved from https://aisel.aisnet.org/cais/vol4/iss1/7
24. BADHUSHA, M. A CONCEPTUAL STUDY ON ADAPTIVE STRATEGIES AND THE APPLICABILITY OF ARTIFICIAL INTELLIGENCE (AI) TECHNOLOGY IN THE FUTURE OF CONSUMER KNOWLEDGE MANAGEMENT.
25. Caputo R.K. and Dolinsky Arthur (1998), “Women’s Choice of Pursue Self Employment: The Role of Financial and Human Capital of Household Members’’, Journal of Small Business Management, Vol. 36 (2), pp. 8-18.
26. Choudhuri, S., Singh, A., Ravi, R., & Badhusha, M. H. N. (2024). An Analysis of Factors Influencing Consumer Trust in Online Banking Security Measures. Educational Administration: Theory And Practice, 30(2), 660-666.
27. Dutta, C., Jha, S. S., Lakshmi, R. V., Vijayakumar, V., Badhusha, M. H. N., & Trivedi, T. (2024). A Study On The Factors That Influence The Success Of Digital Marketing In A Dynamic Marketing Landscape; A Theoretical And Empirical Integration. Educational Administration: Theory and Practice, 30(4), 3793-3798.
28. Dr. K. Riyazahamed (2019) A Study on Customer Satisfaction towards Net Banking Service with reference to Tiruchirappalli City, Emperor Journal of Economics and Social Science Research [EJESSR] - ISSN No. 2581-8643 (O) Volume - I Issue - 4 April – 2019, DOI - http://doi.org/10.35338/EJESSR.2019.1403
29. G.T. Govindappa, Rural women entrepreneurship- Constraints and strategies, Kurukshetra, 48(2) (1999), 11-14.
30. Hakkeem, D. M. A., & Sha, Y. M. (2015). An empirical study towards customer satisfaction in internet banking services with special reference to Tiruchirappalli district. IJSR-International Journal Of Scientific Research, 4(5).
31. Hakkeem, M. A., & Sha, Y. M. (2015). A study on customer satisfaction in internet banking with special reference to Tiruchirappalli district. International Journal of Marketing and Technology, 5(2), 72.
32. Jhamtani, Rural women: The powerless partners in development, Kurukshetra, 43(8) (1995), 61- 63. Tejaswini and S. Veerabhadraiah, Knowledge assessment of rural women on DWCRA and their problems, Kurukshetra, 51(4) (1996), 46-47.
33. Khan, D. Y. R. (2023). A sociological study on effect of COVID-19 on girls education in selected rural areas of Trichy. Research and reflections on education, 21(1A), 60-68.
34. Khan, Y. R. (2020). Customers perference and satisfaction towards reliance-4 g jio services in Tiruchirappalli district. Jamal Academic Research Journal: An Interdisciplinary, 1(1), 31-37.
35. K, V., & A, M. (2017). Goods and service tax: a roadmap for new indian economy. Journal of Management and Science, 7(2), 406-409.
https://doi.org/10.26524/jms.2017.64
36. K, V., & H, J. H. (2017). Gst- a biggest tax reforms in india : an overview. Journal of Management and Science, 7(2), 250-253.
https://doi.org/10.26524/jms.2017.33
37. K, V. K., & C. MAITHEEN, J. (2017). Gst impact on the e-commerce sector: an overview. Journal of Management and Science, 7(2), 245-249.
https://doi.org/10.26524/jms.2017.32
38. K, V. K., & C, J. (2017). A comparative study of indian gst with canada model. Journal of Management and Science, 7(2), 254-258.
https://doi.org/10.26524/jms.2017.34.
39. Khan, Y. R., Ahamed, S. R., Ahmed, M. S., Siddiq, N. M., Badhusha, M. H. N., & Mohamed, I. A. Examining Students’ Perception of Online Education in Arts and Science Colleges: Perspectives on Personalized Learning and Emerging Educational Technologies.
40. Mathew, F. A., Pushpa, B. V., Mohapatra, P. P., Pal, S., Ashokkumar, N., & Riyazahamed, K. (2024). Shaping the Future of Higher Education: Perspectives on Outcome-Based Education, Accreditation, and Institutional Rankings. Educational Administration: Theory and Practice, 30(6), 1816-1824.
41. Mohamed, I. A., Sha, Y. M., Ahmed, M. S., & Badhusha, M. H. N. (2021). CONSUMER PERCEPTION TOWARDS APPLE PRODUCTS WITH REFERENCE TO TIRUCHIRAPPALLI DISTRICT.
42. MOHAMED, S. G., & BADHUSHA, M. WEB SHOPPING: AN INTERNATIONAL PERSPECTIVE.
43. NIJANTHAN, R., & VIJAYAKUMAR, K. (2024). IMPACT OF CHANGES IN SERVICE SECTOR IN INDIA IN MODELLING THE FUTURE BUSINESS. VISION INDIA–2047 towards USD 30 Trillion Economy Opportunities and Challenges, 299.
44. NIJANTHAN, R. GST AND ITS IMPACT OF BUYING BEHAVIOUR ON FMCG IN TIRUCHIRAPPALLI DISTRICT Dr. K. VIJAYAKUMAR.
45. Narsis, I. Net Banking Services and Customer Perceived Value.
46. P. Punjabi, Aruna, Patill, R. Prasadh, S. Labhane, and Badhusha MHN, “Navigating the New Wave; Unveiling the Transformation Effects of social media On Digital Marketing in The Emerging Era,” Journal of Informatics Education and Research, vol. 4, no. 1, pp. 35–41, Jan. 2024, doi: 10.52783/jier.v4i1.516.
47. RIYAZAHAMED, K., & ALI, E. M. (2024). EVALUATING INDIA'S FINANCIAL DEVELOPMENT CHALLENGES ON THE PATHWAY TO $5 TRILLION. VISION INDIA–2047 towards USD 30 Trillion Economy Opportunities and Challenges, 18.
48. Riyazahamed, K. E Services and Customer Satisfaction with reference to selected Private Sector banks in Tiruchirappalli district.
49. Rajalakshmi Anantharaman, D. B. M., Thomas, S., Soundarraj, P. L., & Rahul, K. (2024). Analyzing The Role of Digital Marketing in Growth of E-Commerce in India: A Multiple Holistic Approach. Journal of Informatics Education and Research, 4(2).
50. Rajesh, P. G., & Vijayakumar, K. (2018). BRAND LOYALTY OF WOODLAND PRODUCTS WITH SPECIAL REFERENCE TO AEROCLUB WOODLAND PVT. LTD. Scholars Association of Kerala, 8(4-A), 116.
51. RAHMAN, T. H., AHMED, K. T., MOHAMED, I. A., & SHARIF, J. M. ANTECEDENTS TO EMPLOYEE ATTRITION AND ITS IMPACT ON ORGANIZATIONAL PRODUCTIVITY OF IT ORGANIZATIONS IN TAMIL NADU.
52. Syed Ibrahim, A. A. A Study On Consumer Preference And Satisfaction Towards Instant Food Products With Reference To Karur District.
53. SADASIVAN, M. A., & VIJAYAKUMAR, K. SOCIAL PRESENCE INFLUENCE ON THE CONSUMERS ATTITUDE TOWARDS ONLINE SHOPPING.
54. Shahid Ahmed, M. (2020). PREFERENCE AND SATISFACTION TOWARDS TWO WHEELERS WITH SPECIAL REFERENCE TO WOMEN CONSUMERS. Journal of Science Technology and Research (JSTAR) 1 (1):52-65.
55. Shajahan, M., & Safi, S. M. (2019). A study of consumer behaviour towards cosmetic products in Tiruchirappalli district. Intl J Res Anal Rev, 6(1), 224-229.
56. Senthil, P. L., & Safi, S. M. (2014). A Study on Consumer Behaviour of Mobile Phone Users with Reference to Tiruchirappalli District In Tamilnadu. Intercontinental Journal of Marketing Research Review, 2(7), 7-11.
57. Senthil, P. L., & Safi, S. M. (2015). A study on consumer brand preference of mobile phones in recent economic scenario. International Journal of Marketing and Technology, 5(2), 29-37.
58. SAFI, S. M. A STUDY ON CONSUMER BRAND PREFERENCE OF MOBILE PHONES IN RECENT ECONOMIC SCENARIO.
59. SINDHASHA, A. M., & SAFI, S. M. A STUDY ON INVESTMENT IN THE EQUITY SHARES OF AUTOMOBILE AND AUTOMOBILE ACCESSORIES COMPANIES IN THE BOMBAY STOCK EXCHANGE-RISK AND RETURN ANALYSIS.
60. SIDDIQ, N. M., AHAMED, S. R., KHAN, Y. R., AHMED, M. S., BADHUSHA, M., & MOHAMED, I. A. (2025). IMPACT OF DIGITAL PAYMENTS ON THE EARNINGS AND BUSINESS OPERATIONS OF ROADSIDE STREET VENDORS.
61. Vijayakumar, K., & Nijanthan, R. (2019). A study on consumers buying behaviour towards FMCG products with reference to Karur District. International Journal of research and analytical reviews (IJRAR) Volume, 6, 265-270.
62. Vijayakumar, K. A STUDY ON CUSTOEMR’S INSIGHT TOWARDS CROSS SELLING PRACTICES OF ICICI BANK IN THRISSUR DISTRICT, KERALA.
63. VIJAYAKUMAR, K. A STUDY ON PATIENTS’PERCEPTION ON SERVICE QUALITY OF PRIVATE HOSPITALS IN TIRUCHIRAPPALLI DISTRICT N. SABRIN.
64. Vijayakumar, K., & Sadasivan, M. A. SOCIAL PRESENCE INFLUENCE ON PURCHASE BHAVIOUR–A THEORETICAL GO THROUGH.
65. Yang, J., Katsanis, L. P., & LeBel, J. (2022). DOES ONLINE CONVENIENCE MAKE YOU WANT TO BUY MORE? SOCIAL PRESENCE AND PURCHASE INTENTION IN SOCIAL COMMERCE. International Journal of Management, Marketing & Decision Science (IJMMDS), 2(1).

A Study on Social Mediaconversation to Increase Brand Awareness: Start up organization context- An Empirical Study
Dr. S. Saleem Assistant Professor, PG & Research Department of Commerce, Jamal Mohamed College (Autonomous), (Affiliated to Bharathidasan University), Tiruchirappalli, Tamilnadu, India
Pages: 222-231 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract
The increasing use of social media platforms has transformed the way brands communicate with their target audiences. This research study examines the role of social media conversations in enhancing brand awareness. Through an empirical investigation, the research explores how engagement in online discussions, user-generated content and interactive communication strategies influence consumer perceptions and brand visibility. By analysing conversations across popular social media platforms such as Twitter, Facebook, and Instagram, this study identifies key factors that contribute to a brand's growth in terms of awareness and recognition. Additionally, the study reveals the importance of timely responses, influencer partnerships, and community-building activities in amplifying brand messages. The results offer valuable insights for marketers seeking to improve brand presence and loyalty through digital platforms. This research article highlights the need for businesses to adopt a strategic approach to social media conversations, not only as a marketing tool but as a means to cultivate deeper relationships with consumers.

REFERENCES
1. Kaplan, A. M., & Haenlein, M. (2010). Users of the world, unite! The challenges and opportunities of Social Media. Business Horizons, 53(1), 59-68.
2.Mangold, W. G., &Faulds, D. J. (2009). Social media: The new hybrid element of the promotion mix. Business Horizons, 52(4), 357-365.
3. Kotler, P., & Keller, K. L. (2016). Marketing Management (15th ed.). Pearson.
4. Ango;, Mohammed LawalYahaya; ZainabAngoMurtala, and Onukwube Henry. N. (2020). “Partial Least Square Structural Equation Modeling ( PLS-SEM ): A NOTE FOR BEGINERS.” (February).
5. Eisenberg, B., & Eisenberg, J. (2006). Waiting for your web site to convert: Why your web site may not be working as well as it could. Target Marketing, 29(9), 8-13.
6. Hutter, K., Hautz, J., Dennhardt, S., &Füller, J. (2013). The influence of user interactions in social media on brand awareness and purchase intention: A research agenda. Journal of Brand Management, 21(6), 498-511.
7. Brown, D., & Hayes, N. (2008). Influencer Marketing: Who Really Influences Your Customers?.Routledge.
8. Berger, J., & Milkman, K. L. (2012). What makes online content viral?. Journal of Marketing Research, 49(2), 192-205.
9. Alalwan, A. A., Alnsour, M. S., &Qasem, A. A. (2017). The impact of social media marketing on brand awareness: Evidence from Jordan. International Journal of Marketing Studies, 9(4), 1-15.

Digital Transformation in India's FMCG Industry
Dr. R. Nijanthan Assistant Professor, PG and Research Department of Commerce, Jamal Mohamed College (Autonomous), (Affiliated to Bharathidasan University) Tiruchirappalli, Tamil Nadu.
Pages: 232-245 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract
The Indian Fast-Moving Consumer Goods (FMCG) sector, a crucial component of the economy, has undergone a significant transformation due to the advent of digital technologies. This research explores the far-reaching implications of digital transformation in India’s FMCG industry, examining key areas such as e-commerce, supply chain optimization, consumer engagement, and operational efficiency. The study further investigates the emerging trends such as the rise of Direct-to-Consumer (D2C) models, the integration of Artificial Intelligence (AI) and Internet of Things (IoT) in supply chain management, and the growing reliance on personalized marketing strategies. Additionally, the paper identifies challenges related to infrastructure gaps, data security, and workforce upskilling, offering strategic recommendations for overcoming these obstacles. This research highlights how digital tools can empower FMCG companies to innovate, enhance customer experiences, and achieve sustainable growth in a rapidly evolving market landscape. Through a thorough analysis of industry trends and government initiatives, the study provides insights into how FMCG companies can leverage digital transformation to gain a competitive edge and meet the demands of a diverse and tech-savvy consumer base.

REFERENCES
1. Ahmed, S., et al. (2021). The prioritization of customers is imperative, and it is recommended that FMCG companies operating in Bangladesh continuously strive to improve their customer service protocols. Journal of Business Research, 45(3), 243-256.
2. Chen, S., et al. (2021). Direct-to-Consumer Business Models in the Indian FMCG Sector: E-commerce and Digital Trends. Journal of Retailing and Consumer Services, 57, 102326.
3. Elia, V., et al. (2020). The Impact of Digital Transformation in FMCG: Leveraging IoT, AI, and Big Data for Enhanced Operational Efficiency. Journal of Industrial Engineering and Management, 13(3), 383-405.
4. Hinings, B., et al. (2018). Digital Transformation in Organizations: A Paradigm Shift in Organizational Structure and Operational Processes. Journal of Strategic Information Systems, 27(4), 358-374.
5. Baser, Narayan &Thakar, Dhavalkumar. (2015). A Literature Review on Customer Relationship Management in Banks. International Journal of Customer Relationship Marketing and Management. 6. 43-56. 6. Abbas, T., &Hafeez, S. (2017). Impact of CRM practices on service quality in the banking industry. Pakistan Administrative Review, 1(2), 130-144 7. Bhasker PV (2004) Customer Service in Banks. IBA Bulletin. pp:9-13.
8. A.R. Desai and A. Mohiuddin, Involving women in agriculture – Issues and strategies, India Journal of Rural Development, 11(5) (1992), 506-648.
9. Ahamed, D. S. R. (2015). Customer Perception Towards Internet Banking Services In Trichy District. International Journal of Business and Administration Research Review, 1(11), 95-101.
10. Ahamed, D. S. R. (2023). Government secondary schools teacher's attitude towards ICT in Trichy city. Research and reflections on education, 21, 307-314.
11. Ahamed, S. B., & Ali, E. M. THE IMPACT OF SOCIAL MEDIA ON CONSUMERSBUYING BEHAVIOUR. Primax International Journal of Marketing (PIJM).
12. Ahamed, S. B., & Ali, E. M. THE IMPACT OF SOCIAL MEDIA ON CONSUMERSBUYING BEHAVIOUR. Primax International Journal of Marketing (PIJM).
13. AHAMED, S. R. ANALYZING THE CUSTOMER DIFFICULTY IN USING INTERNET BANKING SERVICES WITH REFERENCE TO SELECTED PUBLIC SECTOR BANKS.
14. Ahmed, K. T. (2018). 41. IMPACT OF TANNERIES WASTE DISPOSAL ON ENVIRONMENT WITH SPECIAL REFERENCE TO VELLORE DISTRICT TAMIL NADU. International Review of Business and Economics, 2, 173-175.
15. Ahmed, K. T. (2018). Impact Of Tanneries Waste Disposal On Environment With Special Reference To Vellore District Tamil Nadu. International Review of Business and Economics, 1(3), 35.
16. Ahmed, M. S. (2020). PREFERENCE AND SATISFACTION TOWARDS TWO WHEELERS WITH SPECIAL REFERENCE TO WOMEN CONSUMERS.
17. Ahmed, M. S., & Badhusha, M. H. N. (2025). The Impact of Merger and Acquisition on Customers Service of PNB Bank During COVID-19 Pandemic. In Recent Trends In Engineering and Science for Resource Optimization and Sustainable Development (pp. 443-447). CRC Press.
18. Ahmed, M. S., Badhusha, M. H. N., & Mohamed, I. A. Impact of Digital Shopping on Consumers’ Purchasing Decisions. Emperor Journal of Economics and Social Science Research, 2(2).
19. Ahmed, M. S., Badhusha, M. H. N., Siddiq, N. M., & Mohamed, I. A. Consumer Preference and Satisfaction towards Domestic Solar Water Heaters in Tiruchirappalli District.
20. Ahmed, M. S., Badhusha, M. H. N., Siddiq, N. M., & Mohamed, I. A. Factors Influencing Consumers’ Purchase Decision towards Online Shopping in Tiruchirappalli District.
21. Ali, E. M. E-BANKING-AN OVERVIEW. Primax International Journal of Finance (PIJF).
22. Ameen, A. N., Ahmed, K. T., Ahmed, N. M. F., & Mohamed, I. A. (2024). Consumer Buying Behaviour On Air Conditioner–A Study In Ambur Taluk, Tirupattur District, Tamilnadu. Educational Administration: Theory and Practice, 30(5), 1007-1011.
23. Arivazhagan, P. (2019). A Study on Banking Habits of People in Urban and Rural Area. A Journal of Composition Theory.
24. Badhusha, D. M. (2019). Consumers’ Satisfaction Towards Digital Food Ordering in Tiruchirappalli City. Journal of Composition Theory, 12(9), 1460-1471.
25. BADHUSHA, M. A CONCEPTUAL STUDY ON ADAPTIVE STRATEGIES AND THE APPLICABILITY OF ARTIFICIAL INTELLIGENCE (AI) TECHNOLOGY IN THE FUTURE OF CONSUMER KNOWLEDGE MANAGEMENT.
26. Badhusha, M. H. N. (2017). Demonetisation: Impact on Indian Economy and Leads to Cashless Banking Activities. International Journal of Management and Development Studies, 6(1), 63-70.
27. Badhusha, M. H. N. A Study on Consumers online Shopping decisions with reference to Tiruchirappalli District.
28. Balve, S. (2022). Women entrepreneurship towards women empowerment in India: Plan initiatives. Southern Economist, 54(3), 11-16.
29. Bharathi and Srikanth. (2015). An Empirical Study on Role of corporate Sector in Women Empowerment. International Multidisciplinary E-Journal, Vol-IV,Issue –VIII, pp 180-189.
30. Choudhuri, S., Singh, A., Ravi, R., & Badhusha, M. H. N. (2024). An Analysis of Factors Influencing Consumer Trust in Online Banking Security Measures. Educational Administration: Theory And Practice, 30(2), 660-666.
31. Dr. K. Riyazahamed (2019) A Study on Customer Satisfaction towards Net Banking Service with reference to Tiruchirappalli City, Emperor Journal of Economics and Social Science Research [EJESSR] - ISSN No. 2581-8643 (O) Volume - I Issue - 4 April – 2019, DOI - http://doi.org/10.35338/EJESSR.2019.1403
32. Dutta, C., Jha, S. S., Lakshmi, R. V., Vijayakumar, V., Badhusha, M. H. N., & Trivedi, T. (2024). A Study On The Factors That Influence The Success Of Digital Marketing In A Dynamic Marketing Landscape; A Theoretical And Empirical Integration. Educational Administration: Theory and Practice, 30(4), 3793-3798.
33. Hakkeem, D. M. A., & Sha, Y. M. (2015). An empirical study towards customer satisfaction in internet banking services with special reference to Tiruchirappalli district. IJSR-International Journal Of Scientific Research, 4(5).
34. Hakkeem, M. A., & Sha, Y. M. (2015). A study on customer satisfaction in internet banking with special reference to Tiruchirappalli district. International Journal of Marketing and Technology, 5(2), 72.
35. K, V. K., & C, J. (2017). A comparative study of indian gst with canada model. Journal of Management and Science, 7(2), 254-258. https://doi.org/10.26524/jms.2017.34
36. K, V. K., & C. MAITHEEN, J. (2017). Gst impact on the e-commerce sector: an overview. Journal of Management and Science, 7(2), 245-249. https://doi.org/10.26524/jms.2017.32
37. K, V., & A, M. (2017). Goods and service tax: a roadmap for new indian economy. Journal of Management and Science, 7(2), 406-409. https://doi.org/10.26524/jms.2017.64
38. K, V., & H, J. H. (2017). Gst- a biggest tax reforms in india : an overview. Journal of Management and Science, 7(2), 250-253. https://doi.org/10.26524/jms.2017.33
39. Kavita Sangolagi & Mallikarjun. (2022). Women Entrepreneurs Contributor to the society. International Journal of Advancement in Engineering Technology, Management & Applied Science, 6(1), 11- 23.
40. Khan, D. Y. R. (2023). A sociological study on effect of COVID-19 on girls education in selected rural areas of Trichy. Research and reflections on education, 21(1A), 60-68.
41. Khan, Y. R. (2020). Customers perference and satisfaction towards reliance-4 g jio services in Tiruchirappalli district. Jamal Academic Research Journal: An Interdisciplinary, 1(1), 31-37.
42. Khan, Y. R., Ahamed, S. R., Ahmed, M. S., Siddiq, N. M., Badhusha, M. H. N., & Mohamed, I. A. Examining Students’ Perception of Online Education in Arts and Science Colleges: Perspectives on Personalized Learning and Emerging Educational Technologies.
43. KHAN, Y. R. PASSENGER SATISFACTION TOWARDS SAFETY AND WELFARE MEASURES PROVIDED AT TIRUCHIRAPPALLI RAILWAY JUNCTION.
44. Latha Krishnan & Kamalanabhan, T. J. (2013). Entrepreneurial Success and Life Satisfaction among Women Entrepreneurs in Micro-Enterprises. South Asian Journal of Management, 20(2), 41-57.
45. ma’aitah, M.A. (2024). The Drivers of Big Data Analytics Adoption and its Impact on Corporate Entrepreneurship. Journal of Internet Services and Information Security, 14(2), 145-168.
46. Mathew, F. A., Pushpa, B. V., Mohapatra, P. P., Pal, S., Ashokkumar, N., & Riyazahamed, K. (2024). Shaping the Future of Higher Education: Perspectives on Outcome-Based Education, Accreditation, and Institutional Rankings. Educational Administration: Theory and Practice, 30(6), 1816-1824.
47. Mohamed, I. A., Sha, Y. M., Ahmed, M. S., & Badhusha, M. H. N. (2021). CONSUMER PERCEPTION TOWARDS APPLE PRODUCTS WITH REFERENCE TO TIRUCHIRAPPALLI DISTRICT.
48. Narsis, I. Net Banking Services and Customer Perceived Value.
49. NIJANTHAN, R. GST AND ITS IMPACT OF BUYING BEHAVIOUR ON FMCG IN TIRUCHIRAPPALLI DISTRICT Dr. K. VIJAYAKUMAR.
50. NIJANTHAN, R., & VIJAYAKUMAR, K. (2024). IMPACT OF CHANGES IN SERVICE SECTOR IN INDIA IN MODELLING THE FUTURE BUSINESS. VISION INDIA–2047 towards USD 30 Trillion Economy Opportunities and Challenges, 299.
51. Oleksandr, K., Viktoriya, G., Nataliia, A., Liliya, F., Oleh, O., Maksym, M. (2024). Enhancing Economic Security through Digital Transformation in Investment Processes: Theoretical Perspectives and Methodological Approaches Integrating Environmental Sustainability. Natural and Engineering Sciences, 9(1), 26-45.
52. P. Punjabi, Aruna, Patill, R. Prasadh, S. Labhane, and Badhusha MHN, “Navigating the New Wave; Unveiling the Transformation Effects of social media On Digital Marketing in The Emerging Era,” Journal of Informatics Education and Research, vol. 4, no. 1, pp. 35–41, Jan. 2024, doi: 10.52783/jier.v4i1.516.
53. RAHMAN, T. H., AHMED, K. T., MOHAMED, I. A., & SHARIF, J. M. ANTECEDENTS TO EMPLOYEE ATTRITION AND ITS IMPACT ON ORGANIZATIONAL PRODUCTIVITY OF IT ORGANIZATIONS IN TAMIL NADU.
54. Rajesh, P. G., & Vijayakumar, K. (2018). BRAND LOYALTY OF WOODLAND PRODUCTS WITH SPECIAL REFERENCE TO AEROCLUB WOODLAND PVT. LTD. Scholars Association of Kerala, 8(4-A), 116.
55. Riyazahamed, K. E Services and Customer Satisfaction with reference to selected Private Sector banks in Tiruchirappalli district.
56. RIYAZAHAMED, K., & ALI, E. M. (2024). EVALUATING INDIA'S FINANCIAL DEVELOPMENT CHALLENGES ON THE PATHWAY TO $5 TRILLION. VISION INDIA–2047 towards USD 30 Trillion Economy Opportunities and Challenges, 18.
57. SADASIVAN, M. A., & VIJAYAKUMAR, K. SOCIAL PRESENCE INFLUENCE ON THE CONSUMERS ATTITUDE TOWARDS ONLINE SHOPPING.
58. Shahid Ahmed, M. (2020). PREFERENCE AND SATISFACTION TOWARDS TWO WHEELERS WITH SPECIAL REFERENCE TO WOMEN CONSUMERS. Journal of Science Technology and Research (JSTAR) 1 (1):52-65.
59. Shajahan, M., & Safi, S. M. (2019). A study of consumer behaviour towards cosmetic products in Tiruchirappalli district. Intl J Res Anal Rev, 6(1), 224-229.
60. SIDDIQ, N. M., AHAMED, S. R., KHAN, Y. R., AHMED, M. S., BADHUSHA, M., & MOHAMED, I. A. (2025). IMPACT OF DIGITAL PAYMENTS ON THE EARNINGS AND BUSINESS OPERATIONS OF ROADSIDE STREET VENDORS.
61. SINDHASHA, A. M., & SAFI, S. M. A STUDY ON INVESTMENT IN THE EQUITY SHARES OF AUTOMOBILE AND AUTOMOBILE ACCESSORIES COMPANIES IN THE BOMBAY STOCK EXCHANGE-RISK AND RETURN ANALYSIS.
62. Syed Ibrahim, A. A. A Study On Consumer Preference And Satisfaction Towards Instant Food Products With Reference To Karur District.
63. Vijayakumar, K. A STUDY ON CUSTOEMR’S INSIGHT TOWARDS CROSS SELLING PRACTICES OF ICICI BANK IN THRISSUR DISTRICT, KERALA.
64. VIJAYAKUMAR, K. A STUDY ON PATIENTS’PERCEPTION ON SERVICE QUALITY OF PRIVATE HOSPITALS IN TIRUCHIRAPPALLI DISTRICT N. SABRIN.
65. Vijayakumar, K., & Nijanthan, R. (2019). A study on consumers buying behaviour towards FMCG products with reference to Karur District. International Journal of research and analytical reviews (IJRAR) Volume, 6, 265-270.

Customer Buying Preferences and Post-Purchase Behavior towards Online Shopping with special Reference toTiruchirappalli District
D. Jeganathan Ph.D. Research Scholar, PG & Research Dept. of Commerce, Jamal Mohamed College (Autonomous) (Affiliated to Bharathidasan University) Tiruchirappalli-620020, Tamilnadu
Pages: 246-255 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract
Understanding consumer behavior has been a central focus for researchers, especially with the rapid evolution of shopping dynamics in recent years. This research paper aims to gain a deeper understanding of customer buying preferences and post-purchase behavior in the context of online shopping within the Tiruchirappalli district of Tamil Nadu. The study explores the key factors that influence consumer decision-making and satisfaction in the online shopping environment. Stratified sampling was used to collect data from a sample of 384 online shoppers in the region. The findings reveal that perceived convenience and product variety were positively associated and only competitive pricing is negatively associated with the primary online shopping behvaiour. Additionally, the study highlights the significance of post-purchase factors such as delivery reliability, return policies, and customer service in shaping customer satisfaction and loyalty. The implications of these findings for online retailers and future research directions are discussed.

REFERENCES
1. Anderson, Rolph E., and Srini S. Srinivasan. "E‐satisfaction and e‐loyalty: A contingency framework." Psychology & marketing 20.2 (2003): 123-138.
2. Dr R Initha Rinaet al. (2024) Unraveling TheImpact Of Cognitive Dissonance On Online Shopping Behavior And Post-Purchase Behavior: A Study Among Young Consumers.Educational Administration: Theory and Practice, 3(4), 6768-6775 Doi:10.53555/kuey.v30i4.2474.
3. Jukariya, T., & Singhvi, R. (2018). A Study of Factors Affecting Online Buying Behavior of Students. International Journal of Current Microbiology and Applied Sciences, 7(1), p. 2558. Excellent Publishers. https://doi.org/10.20546/ijcmas.2018.701.308
4. Khan, M. A., & Khan, S. (2018). Service convenience and post-purchase behaviour of online buyers: An empirical study. Journal of Service Science Research, 10, 167-188.
5. Kumar, A., & Kashyap, A. (2018). Leveraging utilitarian perspective of online shopping to motivate online shoppers. International Journal of Retail & Distribution Management, 46(3), p. 247. Emerald Publishing Limited. https://doi.org/10.1108/ijrdm-08-2017-0161
6. Kumar, A., Chaudhuri, D. S., Bhardwaj, D. A., & Mishra, P. (2021). Impulse buying and post-purchase regret: a study of shopping behavior for the purchase of grocery products. International Journal of Management, 11(12), 2020.
7. Natarajan., S. (2020). Shoppers Behaviour at Malls in Tamilnadu. Sumerianz Journal of Economics and Finance (Issue 311, p. 211). https://doi.org/10.47752/sjef.311.211.217
8. Nittala, R. (2015). Factors Influencing Online Shopping Behavior of Urban Consumers in India. International Journal of Online Marketing (Vol. 5, Issue 1, p. 38). IGI Global. https://doi.org/10.4018/ijom.2015010103
9. Singh, K. G. (2018). Consumers Perception Towards Online Shopping- The Case Of Punjab. International Journal of Management & Information Technology, 1(1), p. 1. https://doi.org/10.24297/ijmit.v1i1.1452
10. Tata, S. V., Prashar, S., & Parsad, C. (2021). Examining the influence of satisfaction and regret on online shoppers' post-purchase behaviour. Benchmarking: An International Journal, 28(6), 1987-2007.

A Study on the Effect of Service Quality on Customer Satisfaction and Loyalty in the Context of Service Marketing
Dr. J. Mohamed Sharif Assistant Professor of Commerce, Jamal Mohamed College (Autonomous), Affiliated to Bharathidasan University, Tiruchirappalli, TamilNadu
Pages: 256-260 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract
This research report thoroughly examines the role and significance of customer loyalty and satisfaction. Consumers are the foundation of any company's success. Therefore, businesses should focus on a diverse customer base, ensuring that customer loyalty and satisfaction are effectively integrated with long-term goals and other strategic factors. The primary objective of this study is to analyze the relationship between customer satisfaction and service quality metrics. Additionally, it aims to explore the concepts of customer happiness and loyalty, along with their interconnections. This research also investigates the key factors that significantly influence customer loyalty and satisfaction. This research report provides a comprehensive analysis of the importance of customer loyalty and satisfaction. Consumers are the cornerstone of any company's success, which is why businesses should focus on establishing a diverse customer base. It is essential to integrate customer loyalty and satisfaction with long-term goals and other strategic elements.
The primary objective of this study is to examine the relationship between customer satisfaction and service quality metrics. Additionally, it seeks to explore the concepts of customer happiness and loyalty, along with their interconnections. This research also investigates the key factors that significantly influence both customer loyalty and satisfaction

REFERENCES
1. Nguyen, T., Le, P., & Tran, Q. (2024). The impact of loan service quality on SME satisfaction and loyalty in Vietnam. Cogent Business & Management, 11(1), 2377769.
2. Mahato, R., &Goet, P. (2023). Service quality, customer satisfaction and customer loyalty in selected restaurants in Davao City. International Journal of Advanced Research, 11(4), 38007.
3. Arora, P., &Narula, S. (2018). Linkages between service quality, customer satisfaction and customer loyalty: A literature review. The IUP Journal of Marketing Management, 17(4), 30-54.
4. Bashir, A., &Madhavaiah, C. (2015). Consumer attitude and behavioural intention towards Internet banking adoption in India. Journal of Indian Business Research, 7(1), 67-102.
5. Chodzaza, G. E., &Gombachika, H. S. H. (2013). Service quality, customer satisfaction and loyalty among industrial customers of a public electricity utility in Malawi. International Journal of Energy Sector Management, 7(2), 269-282.
6. Ladhari, R. (2009). A review of twenty years of SERVQUAL research. International Journal of Quality and Service Sciences, 1(2), 172-198.
7. Caruana, A. (2002). Service loyalty: The effects of service quality and the mediating role of customer satisfaction. European Journal of Marketing, 36(7/8), 811-828.
8. Kandampully, J., &Suhartanto, D. (2000). Customer loyalty in the hotel industry: The role of customer satisfaction and image. International Journal of Contemporary Hospitality Management, 12(6), 346-351.
9. Cronin, J. J., & Taylor, S. A. (1992). Measuring service quality: A reexamination and extension. Journal of Marketing, 56(3), 55-68.
10. Parasuraman, A., Zeithaml, V. A., & Berry, L. L. (1988). SERVQUAL: A multiple-item scale for measuring consumer perceptions of service quality. Journal of Retailing, 64(1), 12-40.

An Overview of Difficulties Faced by the Rural Population in Digital Payments
Dr. S. Rizvan Ahamed Assistant Professor, PG & Research Department of Commerce, Jamal Mohamed College (Autonomous), Affiliated to Bharathidasan University, Tiruchirappalli, Tamilnadu, India
Pages: 261-272 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract
The world of today is much improved by digital payment systems, or digital payment processing systems, because of the progress made in information technology. Digital payments, which will now be referred to as opps, have had a significant influence because they have eliminated barriers of time, geography, language, money, and other variables. The core of every e-commerce system is Opps. E-commerce technologies allowed for the quick and easy purchasing of goods and services in a variety of currencies from anywhere in the world. The goal of the current study is to examine the difficulties rural residents have using digital payments.

REFERENCES
1. Atanda, akinwande a., and alimi, olorunfemi y. (2012), anatomy of cashless banking in nigeria: what matters? Mpra paper no. 41409 posted 21. September 2012 13:31 utc\
2. Bansi patel, urviamin(2012) plastic money: roadmap towards cash less society paripex - indian journal of research volume: 1 | issue: 11 | november 2012 issn - 2250-1991
3. Ahamed, S. B., & Ali, E. M. THE IMPACT OF SOCIAL MEDIA ON CONSUMERSBUYING BEHAVIOUR. Primax International Journal of Marketing (PIJM).
4. Ahmed, M. S., Badhusha, M. H. N., Siddiq, N. M., & Mohamed, I. A. Consumer Preference and Satisfaction towards Domestic Solar Water Heaters in Tiruchirappalli District.
5. Ahamed, D. S. R. (2015). Customer Perception Towards Internet Banking Services In Trichy District. International Journal of Business and Administration Research Review, 1(11), 95-101.
6. Ahamed, S. B., & Ali, E. M. THE IMPACT OF SOCIAL MEDIA ON CONSUMERSBUYING BEHAVIOUR. Primax International Journal of Marketing (PIJM).
7. Ahmed, M. S., Badhusha, M. H. N., & Mohamed, I. A. Impact of Digital Shopping on Consumers’ Purchasing Decisions. Emperor Journal of Economics and Social Science Research, 2(2).
8. Ahmed, K. T. (2018). 41. IMPACT OF TANNERIES WASTE DISPOSAL ON ENVIRONMENT WITH SPECIAL REFERENCE TO VELLORE DISTRICT TAMIL NADU. International Review of Business and Economics, 2, 173-175.
9. Ahmed, K. T. (2018). Impact Of Tanneries Waste Disposal On Environment With Special Reference To Vellore District Tamil Nadu. International Review of Business and Economics, 1(3), 35.
10. Ahamed, D. S. R. (2023). Government secondary schoolsteacher's attitude towards ICT in Trichy city. Research and reflections on education, 21, 307-314.
11. AHAMED, S. R. ANALYZING THE CUSTOMER DIFFICULTY IN USING INTERNET BANKING SERVICES WITH REFERENCE TO SELECTED PUBLIC SECTOR BANKS.
12. Ahmed, M. S., &Badhusha, M. H. N. (2025). The Impact of Merger and Acquisition on Customers Service of PNB Bank During COVID-19 Pandemic. In Recent Trends In Engineering and Science for Resource Optimization and Sustainable Development (pp. 443-447). CRC Press.
13. Ahmed, M. S. (2020). PREFERENCE AND SATISFACTION TOWARDS TWO WHEELERS WITH SPECIAL REFERENCE TO WOMEN CONSUMERS.
14. Ahmed, M. S., Badhusha, M. H. N., Siddiq, N. M., & Mohamed, I. A. Factors Influencing Consumers’ Purchase Decision towards Online Shopping in Tiruchirappalli District.
15. A.R. Desai and A. Mohiuddin, Involving women in agriculture – Issues and strategies, India Journal of Rural Development, 11(5) (1992), 506-648.
16. Arunmozhi, M., and Gunaseelan ,Rupa. 2018. Corporate Engagement in Corporate Communications of Indian firms. Shanlax International Journal 6 (3): 28-31.
17. Arivazhagan, P. (2019). A Study on Banking Habits of People in Urban and Rural Area. A Journal of Composition Theory.
18. Ali, E. M. E-BANKING-AN OVERVIEW. Primax International Journal of Finance (PIJF).
19. Ameen, A. N., Ahmed, K. T., Ahmed, N. M. F., & Mohamed, I. A. (2024). Consumer Buying BehaviourOn Air Conditioner–A Study In Ambur Taluk, Tirupattur District, Tamilnadu. Educational Administration: Theory and Practice, 30(5), 1007-1011.
20. Badhusha, M. H. N. A Study on Consumers online Shopping decisions with reference to Tiruchirappalli District.
21. Badhusha, D. M. (2019). Consumers’ Satisfaction Towards Digital Food Ordering in Tiruchirappalli City. Journal of Composition Theory, 12(9), 1460-1471.
22. Badhusha, M. H. N. (2017). Demonetisation: Impact on Indian Economy and Leads to Cashless Banking Activities. International Journal of Management and Development Studies, 6(1), 63-70.
23. Bharathi and Srikanth. (2015). An Empirical Study on Role of corporate Sector in Women Empowerment. International Multidisciplinary E-Journal, Vol-IV,Issue –VIII, pp 180-189.
24. Brush, C.G. (1992), Research on women business owners, past trends, a new perspective and future dimensions; Entrepreneurship Theory & Practice as in Fenwick T. Women Entrepreneurs: A critical review of literature.
25. Boudreau et al.(2000). Structural Equation Modeling and Regression: Guidelines for Research Practice," Communications of the Association for Information Systems: Vol. 4 , Article 7. Retrieved from https://aisel.aisnet.org/cais/vol4/iss1/7
26. BADHUSHA, M. A CONCEPTUAL STUDY ON ADAPTIVE STRATEGIES AND THE APPLICABILITY OF ARTIFICIAL INTELLIGENCE (AI) TECHNOLOGY IN THE FUTURE OF CONSUMER KNOWLEDGE MANAGEMENT.
27. Caputo R.K. and Dolinsky Arthur (1998), “Women’s Choice of Pursue Self Employment: The Role of Financial and Human Capital of Household Members’’, Journal of Small Business Management, Vol. 36 (2), pp. 8-18.
28. Choudhuri, S., Singh, A., Ravi, R., &Badhusha, M. H. N. (2024). An Analysis of Factors Influencing Consumer Trust in Online Banking Security Measures. Educational Administration: Theory And Practice, 30(2), 660-666.
29. Dutta, C., Jha, S. S., Lakshmi, R. V., Vijayakumar, V., Badhusha, M. H. N., & Trivedi, T. (2024). A Study On The Factors That Influence The Success Of Digital Marketing In A Dynamic Marketing Landscape; A Theoretical And Empirical Integration. Educational Administration: Theory and Practice, 30(4), 3793-3798.
30. Dr. K. Riyazahamed (2019) A Study on Customer Satisfaction towards Net Banking Service with reference to Tiruchirappalli City, Emperor Journal of Economics and Social Science Research [EJESSR] - ISSN No. 2581-8643 (O) Volume - I Issue - 4 April – 2019, DOI - http://doi.org/10.35338/EJESSR.2019.1403
31. G.T. Govindappa, Rural women entrepreneurship- Constraints and strategies, Kurukshetra, 48(2) (1999), 11-14.
32. Hakkeem, D. M. A., & Sha, Y. M. (2015). An empirical study towards customer satisfaction in internet banking services with special reference to Tiruchirappalli district. IJSR-International Journal Of Scientific Research, 4(5).
33. Hakkeem, M. A., & Sha, Y. M. (2015). A study on customer satisfaction in internet banking with special reference to Tiruchirappalli district. International Journal of Marketing and Technology, 5(2), 72.
34. Jhamtani, Rural women: The powerless partners in development, Kurukshetra, 43(8) (1995), 61- 63. Tejaswini and S. Veerabhadraiah, Knowledge assessment of rural women on DWCRA and their problems, Kurukshetra, 51(4) (1996), 46-47.
35. Khan, D. Y. R. (2023). A sociological study on effect of COVID-19 on girls education in selected rural areas of Trichy. Research and reflections on education, 21(1A), 60-68.
36. Khan, Y. R. (2020). Customers perference and satisfaction towards reliance-4 g jio services in Tiruchirappalli district. Jamal Academic Research Journal: An Interdisciplinary, 1(1), 31-37.
37. KHAN, Y. R. PASSENGER SATISFACTION TOWARDS SAFETY AND WELFARE MEASURES PROVIDED AT TIRUCHIRAPPALLI RAILWAY JUNCTION.
38. K, V., & A, M. (2017). Goods and service tax: a roadmap for new indian economy. Journal of Management and Science, 7(2), 406-409. https://doi.org/10.26524/jms.2017.64
39. K, V., & H, J. H. (2017). Gst- a biggest tax reforms in india : an overview. Journal of Management and Science, 7(2), 250-253. https://doi.org/10.26524/jms.2017.33
40. K, V. K., & C. MAITHEEN, J. (2017). Gst impact on the e-commerce sector: an overview. Journal of Management and Science, 7(2), 245-249. https://doi.org/10.26524/jms.2017.32
41. K, V. K., & C, J. (2017). A comparative study of indiangst with canada model. Journal of Management and Science, 7(2), 254-258. https://doi.org/10.26524/jms.2017.34
42. Khan, Y. R., Ahamed, S. R., Ahmed, M. S., Siddiq, N. M., Badhusha, M. H. N., & Mohamed, I. A. Examining Students’ Perception of Online Education in Arts and Science Colleges: Perspectives on Personalized Learning and Emerging Educational Technologies.
43. Mathew, F. A., Pushpa, B. V., Mohapatra, P. P., Pal, S., Ashokkumar, N., &Riyazahamed, K. (2024). Shaping the Future of Higher Education: Perspectives on Outcome-Based Education, Accreditation, and Institutional Rankings. Educational Administration: Theory and Practice, 30(6), 1816-1824.
44. Mohamed, I. A., Sha, Y. M., Ahmed, M. S., &Badhusha, M. H. N. (2021). CONSUMER PERCEPTION TOWARDS APPLE PRODUCTS WITH REFERENCE TO TIRUCHIRAPPALLI DISTRICT.
45. MOHAMED, S. G., & BADHUSHA, M. WEB SHOPPING: AN INTERNATIONAL PERSPECTIVE.
46. NIJANTHAN, R., & VIJAYAKUMAR, K. (2024). IMPACT OF CHANGES IN SERVICE SECTOR IN INDIA IN MODELLING THE FUTURE BUSINESS. VISION INDIA–2047 towards USD 30 Trillion Economy Opportunities and Challenges, 299.
47. NIJANTHAN, R. GST AND ITS IMPACT OF BUYING BEHAVIOUR ON FMCG IN TIRUCHIRAPPALLI DISTRICT Dr. K. VIJAYAKUMAR.
48. Narsis, I. Net Banking Services and Customer Perceived Value.
49. P. Punjabi, Aruna, Patill, R. Prasadh, S. Labhane, and Badhusha MHN, “Navigating the New Wave; Unveiling the Transformation Effects of social media On Digital Marketing in The Emerging Era,” Journal of Informatics Education and Research, vol. 4, no. 1, pp. 35–41, Jan. 2024, doi: 10.52783/jier.v4i1.516.
50. RIYAZAHAMED, K., & ALI, E. M. (2024). EVALUATING INDIA'S FINANCIAL DEVELOPMENT CHALLENGES ON THE PATHWAY TO $5 TRILLION. VISION INDIA–2047 towards USD 30 Trillion Economy Opportunities and Challenges, 18.
51. Riyazahamed, K. E Services and Customer Satisfaction with reference to selected Private Sector banks in Tiruchirappalli district.
52. Rajalakshmi Anantharaman, D. B. M., Thomas, S., Soundarraj, P. L., & Rahul, K. (2024). Analyzing The Role of Digital Marketing in Growth of E-Commerce in India: A Multiple Holistic Approach. Journal of Informatics Education and Research, 4(2).
53. Rajesh, P. G., & Vijayakumar, K. (2018). BRAND LOYALTY OF WOODLAND PRODUCTS WITH SPECIAL REFERENCE TO AEROCLUB WOODLAND PVT. LTD. Scholars Association of Kerala, 8(4-A), 116.
54. RAHMAN, T. H., AHMED, K. T., MOHAMED, I. A., & SHARIF, J. M. ANTECEDENTS TO EMPLOYEE ATTRITION AND ITS IMPACT ON ORGANIZATIONAL PRODUCTIVITY OF IT ORGANIZATIONS IN TAMIL NADU.
55. Syed Ibrahim, A. A. A Study On Consumer Preference And Satisfaction Towards Instant Food Products With Reference To Karur District.
56. SADASIVAN, M. A., & VIJAYAKUMAR, K. SOCIAL PRESENCE INFLUENCE ON THE CONSUMERS ATTITUDE TOWARDS ONLINE SHOPPING.
57. Shahid Ahmed, M. (2020). PREFERENCE AND SATISFACTION TOWARDS TWO WHEELERS WITH SPECIAL REFERENCE TO WOMEN CONSUMERS. Journal of Science Technology and Research (JSTAR) 1 (1):52-65.
58. Shajahan, M., & Safi, S. M. (2019). A study of consumer behaviour towards cosmetic products in Tiruchirappalli district. Intl J Res Anal Rev, 6(1), 224-229.
59. Senthil, P. L., & Safi, S. M. (2014). A Study on Consumer Behaviour of Mobile Phone Users with Reference to Tiruchirappalli District InTamilnadu. Intercontinental Journal of Marketing Research Review, 2(7), 7-11.
60. Senthil, P. L., & Safi, S. M. (2015). A study on consumer brand preference of mobile phones in recent economic scenario. International Journal of Marketing and Technology, 5(2), 29-37.
61. SAFI, S. M. A STUDY ON CONSUMER BRAND PREFERENCE OF MOBILE PHONES IN RECENT ECONOMIC SCENARIO.
62. SINDHASHA, A. M., & SAFI, S. M. A STUDY ON INVESTMENT IN THE EQUITY SHARES OF AUTOMOBILE AND AUTOMOBILE ACCESSORIES COMPANIES IN THE BOMBAY STOCK EXCHANGE-RISK AND RETURN ANALYSIS.
63. SIDDIQ, N. M., AHAMED, S. R., KHAN, Y. R., AHMED, M. S., BADHUSHA, M., & MOHAMED, I. A. (2025). IMPACT OF DIGITAL PAYMENTS ON THE EARNINGS AND BUSINESS OPERATIONS OF ROADSIDE STREET VENDORS.
64. Vijayakumar, K., & Nijanthan, R. (2019). A study on consumers buying behaviour towards FMCG products with reference to Karur District. International Journal of research and analytical reviews (IJRAR) Volume, 6, 265-270.
65. Vijayakumar, K. A STUDY ON CUSTOEMR’S INSIGHT TOWARDS CROSS SELLING PRACTICES OF ICICI BANK IN THRISSUR DISTRICT, KERALA.
66. VIJAYAKUMAR, K. A STUDY ON PATIENTS’PERCEPTION ON SERVICE QUALITY OF PRIVATE HOSPITALS IN TIRUCHIRAPPALLI DISTRICT N. SABRIN.
67. Vijayakumar, K., & Sadasivan, M. A. SOCIAL PRESENCE INFLUENCE ON PURCHASE BHAVIOUR–A THEORETICAL GO THROUGH

A Study on Customer Satisfaction towards Ampere Electric Bike with Special Reference to Tiruchirappalli City
Dr. P. Anwar Basha Assistant Professor of Commerce, Jamal Mohamed College (Autonomous), (Affiliated to Bharathidasan University), Tiruchirappalli
Pages: 273-280 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract
India is the second largest producer and manufacture of Two wheelers in the world. The face of auto industry that was redefined with the invitation of fuel efficient technology is all set to see dawn of new era in two wheeler industry. It’s not petrol or diesel or any other fuel, but it is electricity that has initiated a revolution in two wheeler industry in India. India two wheeler industry embraced new concept of Electric bikes and Scooters that are very popular mode of transport in the developed countries like China, America and Japan. Global warming is the major concern all over the world. Electric bikes are environment friendly as air pollution, noise pollution are much reduced. Electric bikes are battery operated vehicle with low maintenance cost and very economical also. The study focuses on understanding the customer perception towards the electric two-wheelers across Tiruchirappalli city. Responses' were collected from around 120 bike users to analyse the essential factors relevant to the purchase of electric bikes. This paper contributes to answering the questions for usage of E-bikes. The data were collected through a primary and secondary source.

REFERENCES
 Nigam (2023) “A study on customer satisfaction towards Okinawa e bike with special reference to Kolhapur city.” International journal of special education 38.1.
 Ukesh, M., Kumar, M. C., &Gangaiselvi, R. (2022). A study on consumer satisfaction of buying electric twowheelers in Coimbatore district of Tamil Nadu. TVS, 129, 64- 5.
 Mehra, A., Singh, R., Chauhan, A. S., Nath, K., & Yadav, A. (2022). Design and analysis of an electric bike chassis. Materials Today: Proceedings.
 Bhatia, M.,et al. (2021). Study of Factors Influencing Consumer Behavior towards Electric Two-wheelers in Gujarat. Available at SSRN 3984394.

The Role and Impact of Social Media Performance in Digital India
Dr. M. Shajahan Assistant Professor, PG & Research Department of Commerce, Jamal Mohamed College, (Affiliated to Bharathidasan University) Tiruchirappali
Pages: 281-289 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract
In the current business environment, the vast influence of social media can be observed. The main objective of every firm is to be present where there customers exist. To achieve it, social media can act as a very beneficial platform. Firms often look to customers for their critical opinions, mostly regarding what they look for in products and their preferences are. Social media marketing has deviated from the traditional marketing practices. It gives a whole new dimension to marketing as it also offers ready interaction with ultimate customers. Nowadays, major social media platforms such as Facebook, Instagram, twitter, pin interest, snap chat, etc. provide various features like Facebook ads, promoted posts, sponsor stories, page post ads, etc.

REFERENCES
1. Alzyoud, Mohammad. (2018). Social media marketing, functional branding strategy and intentional branding. Problems and Perspectives in Management. 16. 102-116. 10.21511/ppm.16(3).2018.09.
2. Chivandi, Abigail & Samuel, Olorunjuwon & Muchie, Mammo. (2018). Social Media, Consumer Behaviour, and Service Marketing. 10.5772/intechopen.85406.
3. Ge, X., Brigden, N., & Häubl, G. (2015).The Preference-Signalling Effect of Search. Journal of Consumer Psychology, 25(2), 245-256
4. Gopinath, R. (2011). A study on Men’s perception in buying decisions on branded shirts in Tiruchirappalli District. Asian Journal of Management Research, 1(2), 600-617.
5. Gopinath, R. (2019a). Online Shopping Consumer Behaviour of Perambalur District, International Journal of Research, 8(5), 542-547.
6. Gopinath, R. (2019b). Factors Influencing Consumer Decision Behaviour in FMCG. International Journal of Research in Social Sciences, 9(7), 249-255.

An Analysis of Whatsapp Business in Marketing Strategy
Dr. A. Zeenath Amman Assistant Professors, PG & Research Department of Commerce, Jamal Mohamed College (Autonomous), Trichy-20.
Pages: 290-302 | First Published: 05 Feb 2025
Full text | Abstract | Purchase | References | Request permissions

Abstract
The internet revolutionized the way do the business. Today the launch and operate a successful enterprise entirely online, reaching a global audience without the constraints of a physical storefront. This concept of “online business” encompasses a vast landscape of possibilities, offering flexible work arrangements, the potential for significant income and the freedom to pursue the passions while building a thriving venture. Whatsapp is one of the most used messaging apps globally with over 2.78 billion active customers. Every day, atleast 100 billion messages are sent via this messaging app. Business have begun leveraging it as a new channel to communicate with their customers. Whatsapp allows businesses to send marketing messages directly to customers, win their trust and make them loyal to their brands. Most customers will likely remain loyal and shop directly with a brand that communicate to them on their preferred channel. This study aims to identify the maximum number of whatsapp aspirant. To know the marketing strategies used in whatsapp businesses and to know the cost effective management in whatsapp businesses. It helps businesses to easily communicate with their customers. This app version offers several features for businesses to improve their customer interactions and expedite query resolutions. Due to time constraint only secondary data have been applied. Only secondary data from various sources through journals, websites and books.
Due to time constraint only secondary data have been applied. The researched concluded that business can be a great tools for businesses of all sizes to connect with customers more effectively, versatile and cost-effective.

REFERENCES
1. Hedge, Srinivasan and Gopal (2018):Whatsapp as a Tool for Consumer Engagement with Brands. In Proceedings of the 2018 International Conference on Advances in Computing, Communicationsand informatics (ICACCI) (pp1340-1346). IEEE.
2. Mohammad and zhang (2019):The effect of Personalized Marketing inSocial Media on Customer Engagement: A Study in the Hotel Industry. Journal of Travel Research, 004728751983980.
3. Raodatuljannah (2025):“Utilization of Whatsapp Business in marketing strategy to Increase the Number of sales Through Direct Interaction with Customers”. 25 April 2023, Vol.5, Iss:4, pp 488-488.
4. Ahamed, S. B., & Ali, E. M. THE IMPACT OF SOCIAL MEDIA ON CONSUMERSBUYING BEHAVIOUR. Primax International Journal of Marketing (PIJM).
5. Ahmed, M. S., Badhusha, M. H. N., Siddiq, N. M., & Mohamed, I. A. Consumer Preference and Satisfaction towards Domestic Solar Water Heaters in Tiruchirappalli District.
6. Ahamed, D. S. R. (2015). Customer Perception Towards Internet Banking Services In Trichy District. International Journal of Business and Administration Research Review, 1(11), 95-101.
7. Ahamed, S. B., & Ali, E. M. THE IMPACT OF SOCIAL MEDIA ON CONSUMERSBUYING BEHAVIOUR. Primax International Journal of Marketing (PIJM).
8. Ahmed, M. S., Badhusha, M. H. N., & Mohamed, I. A. Impact of Digital Shopping on Consumers’ Purchasing Decisions. Emperor Journal of Economics and Social Science Research, 2(2).
9. Ahmed, K. T. (2018). 41. IMPACT OF TANNERIES WASTE DISPOSAL ON ENVIRONMENT WITH SPECIAL REFERENCE TO VELLORE DISTRICT TAMIL NADU. International Review of Business and Economics, 2, 173-175.
10. Ahmed, K. T. (2018). Impact Of Tanneries Waste Disposal On Environment With Special Reference To Vellore District Tamil Nadu. International Review of Business and Economics, 1(3), 35.
11. Ahamed, D. S. R. (2023). Government secondary schoolsteacher's attitude towards ICT in Trichy city. Research and reflections on education, 21, 307-314.
12. AHAMED, S. R. ANALYZING THE CUSTOMER DIFFICULTY IN USING INTERNET BANKING SERVICES WITH REFERENCE TO SELECTED PUBLIC SECTOR BANKS.
13. Ahmed, M. S., &Badhusha, M. H. N. (2025). The Impact of Merger and Acquisition on Customers Service of PNB Bank During COVID-19 Pandemic. In Recent Trends In Engineering and Science for Resource Optimization and Sustainable Development (pp. 443-447). CRC Press.
14. Ahmed, M. S. (2020). PREFERENCE AND SATISFACTION TOWARDS TWO WHEELERS WITH SPECIAL REFERENCE TO WOMEN CONSUMERS.
15. Ahmed, M. S., Badhusha, M. H. N., Siddiq, N. M., & Mohamed, I. A. Factors Influencing Consumers’ Purchase Decision towards Online Shopping in Tiruchirappalli District.
16. A.R. Desai and A. Mohiuddin, Involving women in agriculture – Issues and strategies, India Journal of Rural Development, 11(5) (1992), 506-648.
17. Arunmozhi, M., and Gunaseelan ,Rupa. 2018. Corporate Engagement in Corporate Communications of Indian firms. Shanlax International Journal 6 (3): 28-31.
18. Arivazhagan, P. (2019). A Study on Banking Habits of People in Urban and Rural Area. A Journal of Composition Theory.
19. Ali, E. M. E-BANKING-AN OVERVIEW. Primax International Journal of Finance (PIJF).
20. Ameen, A. N., Ahmed, K. T., Ahmed, N. M. F., & Mohamed, I. A. (2024). Consumer Buying BehaviourOn Air Conditioner–A Study In Ambur Taluk, Tirupattur District, Tamilnadu. Educational Administration: Theory and Practice, 30(5), 1007-1011.
21. Badhusha, M. H. N. A Study on Consumers online Shopping decisions with reference to Tiruchirappalli District.
22. Badhusha, D. M. (2019). Consumers’ Satisfaction Towards Digital Food Ordering in Tiruchirappalli City. Journal of Composition Theory, 12(9), 1460-1471.
23. Badhusha, M. H. N. (2017). Demonetisation: Impact on Indian Economy and Leads to Cashless Banking Activities. International Journal of Management and Development Studies, 6(1), 63-70.
24. Bharathi and Srikanth. (2015). An Empirical Study on Role of corporate Sector in Women Empowerment. International Multidisciplinary E-Journal, Vol-IV,Issue –VIII, pp 180-189.
25. Brush, C.G. (1992), Research on women business owners, past trends, a new perspective and future dimensions; Entrepreneurship Theory & Practice as in Fenwick T. Women Entrepreneurs: A critical review of literature.
26. Boudreau et al.(2000). Structural Equation Modeling and Regression: Guidelines for Research Practice," Communications of the Association for Information Systems: Vol. 4 , Article 7. Retrieved from https://aisel.aisnet.org/cais/vol4/iss1/7
27. BADHUSHA, M. A CONCEPTUAL STUDY ON ADAPTIVE STRATEGIES AND THE APPLICABILITY OF ARTIFICIAL INTELLIGENCE (AI) TECHNOLOGY IN THE FUTURE OF CONSUMER KNOWLEDGE MANAGEMENT.
28. Caputo R.K. and Dolinsky Arthur (1998), “Women’s Choice of Pursue Self Employment: The Role of Financial and Human Capital of Household Members’’, Journal of Small Business Management, Vol. 36 (2), pp. 8-18.
29. Choudhuri, S., Singh, A., Ravi, R., &Badhusha, M. H. N. (2024). An Analysis of Factors Influencing Consumer Trust in Online Banking Security Measures. Educational Administration: Theory And Practice, 30(2), 660-666.
30. Dutta, C., Jha, S. S., Lakshmi, R. V., Vijayakumar, V., Badhusha, M. H. N., & Trivedi, T. (2024). A Study On The Factors That Influence The Success Of Digital Marketing In A Dynamic Marketing Landscape; A Theoretical And Empirical Integration. Educational Administration: Theory and Practice, 30(4), 3793-3798.
31. Dr. K. Riyazahamed (2019) A Study on Customer Satisfaction towards Net Banking Service with reference to Tiruchirappalli City, Emperor Journal of Economics and Social Science Research [EJESSR] - ISSN No. 2581-8643 (O) Volume - I Issue - 4 April – 2019, DOI - http://doi.org/10.35338/EJESSR.2019.1403
32. G.T. Govindappa, Rural women entrepreneurship- Constraints and strategies, Kurukshetra, 48(2) (1999), 11-14.
33. Hakkeem, D. M. A., & Sha, Y. M. (2015). An empirical study towards customer satisfaction in internet banking services with special reference to Tiruchirappalli district. IJSR-International Journal Of Scientific Research, 4(5).
34. Hakkeem, M. A., & Sha, Y. M. (2015). A study on customer satisfaction in internet banking with special reference to Tiruchirappalli district. International Journal of Marketing and Technology, 5(2), 72.
35. Jhamtani, Rural women: The powerless partners in development, Kurukshetra, 43(8) (1995), 61- 63. Tejaswini and S. Veerabhadraiah, Knowledge assessment of rural women on DWCRA and their problems, Kurukshetra, 51(4) (1996), 46-47.
36. Khan, D. Y. R. (2023). A sociological study on effect of COVID-19 on girls education in selected rural areas of Trichy. Research and reflections on education, 21(1A), 60-68.
37. Khan, Y. R. (2020). Customers perference and satisfaction towards reliance-4 g jio services in Tiruchirappalli district. Jamal Academic Research Journal: An Interdisciplinary, 1(1), 31-37.
38. KHAN, Y. R. PASSENGER SATISFACTION TOWARDS SAFETY AND WELFARE MEASURES PROVIDED AT TIRUCHIRAPPALLI RAILWAY JUNCTION.
39. K, V., & A, M. (2017). Goods and service tax: a roadmap for new indian economy. Journal of Management and Science, 7(2), 406-409. https://doi.org/10.26524/jms.2017.64
40. K, V., & H, J. H. (2017). Gst- a biggest tax reforms in india : an overview. Journal of Management and Science, 7(2), 250-253. https://doi.org/10.26524/jms.2017.33
41. K, V. K., & C. MAITHEEN, J. (2017). Gst impact on the e-commerce sector: an overview. Journal of Management and Science, 7(2), 245-249. https://doi.org/10.26524/jms.2017.32
42. K, V. K., & C, J. (2017). A comparative study of indiangst with canada model. Journal of Management and Science, 7(2), 254-258. https://doi.org/10.26524/jms.2017.34
43. Khan, Y. R., Ahamed, S. R., Ahmed, M. S., Siddiq, N. M., Badhusha, M. H. N., & Mohamed, I. A. Examining Students’ Perception of Online Education in Arts and Science Colleges: Perspectives on Personalized Learning and Emerging Educational Technologies.
44. Mathew, F. A., Pushpa, B. V., Mohapatra, P. P., Pal, S., Ashokkumar, N., &Riyazahamed, K. (2024). Shaping the Future of Higher Education: Perspectives on Outcome-Based Education, Accreditation, and Institutional Rankings. Educational Administration: Theory and Practice, 30(6), 1816-1824.
45. Mohamed, I. A., Sha, Y. M., Ahmed, M. S., &Badhusha, M. H. N. (2021). CONSUMER PERCEPTION TOWARDS APPLE PRODUCTS WITH REFERENCE TO TIRUCHIRAPPALLI DISTRICT.
46. MOHAMED, S. G., & BADHUSHA, M. WEB SHOPPING: AN INTERNATIONAL PERSPECTIVE.
47. NIJANTHAN, R., & VIJAYAKUMAR, K. (2024). IMPACT OF CHANGES IN SERVICE SECTOR IN INDIA IN MODELLING THE FUTURE BUSINESS. VISION INDIA–2047 towards USD 30 Trillion Economy Opportunities and Challenges, 299.
48. NIJANTHAN, R. GST AND ITS IMPACT OF BUYING BEHAVIOUR ON FMCG IN TIRUCHIRAPPALLI DISTRICT Dr. K. VIJAYAKUMAR.
49. Narsis, I. Net Banking Services and Customer Perceived Value.
50. P. Punjabi, Aruna, Patill, R. Prasadh, S. Labhane, and Badhusha MHN, “Navigating the New Wave; Unveiling the Transformation Effects of social media On Digital Marketing in The Emerging Era,” Journal of Informatics Education and Research, vol. 4, no. 1, pp. 35–41, Jan. 2024, doi: 10.52783/jier.v4i1.516.
51. RIYAZAHAMED, K., & ALI, E. M. (2024). EVALUATING INDIA'S FINANCIAL DEVELOPMENT CHALLENGES ON THE PATHWAY TO $5 TRILLION. VISION INDIA–2047 towards USD 30 Trillion Economy Opportunities and Challenges, 18.
52. Riyazahamed, K. E Services and Customer Satisfaction with reference to selected Private Sector banks in Tiruchirappalli district.
53. Rajalakshmi Anantharaman, D. B. M., Thomas, S., Soundarraj, P. L., & Rahul, K. (2024). Analyzing The Role of Digital Marketing in Growth of E-Commerce in India: A Multiple Holistic Approach. Journal of Informatics Education and Research, 4(2).
54. Rajesh, P. G., & Vijayakumar, K. (2018). BRAND LOYALTY OF WOODLAND PRODUCTS WITH SPECIAL REFERENCE TO AEROCLUB WOODLAND PVT. LTD. Scholars Association of Kerala, 8(4-A), 116.
55. RAHMAN, T. H., AHMED, K. T., MOHAMED, I. A., & SHARIF, J. M. ANTECEDENTS TO EMPLOYEE ATTRITION AND ITS IMPACT ON ORGANIZATIONAL PRODUCTIVITY OF IT ORGANIZATIONS IN TAMIL NADU.
56. Syed Ibrahim, A. A. A Study On Consumer Preference And Satisfaction Towards Instant Food Products With Reference To Karur District.
57. SADASIVAN, M. A., & VIJAYAKUMAR, K. SOCIAL PRESENCE INFLUENCE ON THE CONSUMERS ATTITUDE TOWARDS ONLINE SHOPPING.
58. Shahid Ahmed, M. (2020). PREFERENCE AND SATISFACTION TOWARDS TWO WHEELERS WITH SPECIAL REFERENCE TO WOMEN CONSUMERS. Journal of Science Technology and Research (JSTAR) 1 (1):52-65.
59. Shajahan, M., & Safi, S. M. (2019). A study of consumer behaviour towards cosmetic products in Tiruchirappalli district. Intl J Res Anal Rev, 6(1), 224-229.
60. Senthil, P. L., & Safi, S. M. (2014). A Study on Consumer Behaviour of Mobile Phone Users with Reference to Tiruchirappalli District InTamilnadu. Intercontinental Journal of Marketing Research Review, 2(7), 7-11.
61. Senthil, P. L., & Safi, S. M. (2015). A study on consumer brand preference of mobile phones in recent economic scenario. International Journal of Marketing and Technology, 5(2), 29-37.
62. SAFI, S. M. A STUDY ON CONSUMER BRAND PREFERENCE OF MOBILE PHONES IN RECENT ECONOMIC SCENARIO.
63. SINDHASHA, A. M., & SAFI, S. M. A STUDY ON INVESTMENT IN THE EQUITY SHARES OF AUTOMOBILE AND AUTOMOBILE ACCESSORIES COMPANIES IN THE BOMBAY STOCK EXCHANGE-RISK AND RETURN ANALYSIS.
64. SIDDIQ, N. M., AHAMED, S. R., KHAN, Y. R., AHMED, M. S., BADHUSHA, M., & MOHAMED, I. A. (2025). IMPACT OF DIGITAL PAYMENTS ON THE EARNINGS AND BUSINESS OPERATIONS OF ROADSIDE STREET VENDORS.
65. Vijayakumar, K., & Nijanthan, R. (2019). A study on consumers buying behaviour towards FMCG products with reference to Karur District. International Journal of research and analytical reviews (IJRAR) Volume, 6, 265-270.
66. Vijayakumar, K. A STUDY ON CUSTOEMR’S INSIGHT TOWARDS CROSS SELLING PRACTICES OF ICICI BANK IN THRISSUR DISTRICT, KERALA.
67. VIJAYAKUMAR, K. A STUDY ON PATIENTS’PERCEPTION ON SERVICE QUALITY OF PRIVATE HOSPITALS IN TIRUCHIRAPPALLI DISTRICT N. SABRIN.
68. Vijayakumar, K., & Sadasivan, M. A. SOCIAL PRESENCE INFLUENCE ON PURCHASE BHAVIOUR–A THEORETICAL GO THROUGH.