scholarly journals Blockchain: an EOM approach to reconciliation in banking

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Vedapradha R ◽  
Hariharan Ravi
Keyword(s):  
Financial Analysis ◽  
Influencing Factor ◽  
Demographic Variables ◽  
Investment Banks ◽  
Primary Data ◽  
Content Type ◽  
Multiple Stepwise Regression Analysis ◽  
Blockchain Technology ◽  
Significant Difference ◽  
Back Office

PurposeThe study aim is to evaluate the contribution of Blockchain technology (Cryptobanking) using expected operating model (EOM) to address the pain points in reconciliation at middle and back-office operational levels in assessing the significance of this technology on return on investment.Design/methodology/approachA structured questionnaire was designed to collect primary data using a stratified sampling method from 120 respondents working in leading Investment banks operating in the geographical locality of urban Bangalore. Demographic variables, accounting variables, data reporting variables, approach variables, variables of EOM were considered to validate the hypothesis with the help of statistical tools, namely ANOVA, and Multiple Stepwise Regression Analysis.FindingsThe results obtained confirm that there is significant difference in reconciliation with implementation of an innovative business process. Financial analysis is the highest predictor of ROI when integrated with technology as the adapted Blockchain innovation in reconciliation is the most influencing factor in enhancing, improving ROI playing a pivotal role in the Investment banks.Originality/valueBlockchain technology (Cryptobanking) facilitates in transforming the reconciliation process of these banks with improved operational efficiency. Blockchain and settlement platforms offer inter-organization solutions facilitating in the reconciliation of various transactions in real-time through a trust-based network in the form of digital settlements with better consortiums.

Assessment of Demographic Differences Regarding Customer Value in Life Insurance Corporation

2015 ◽  
Vol 3 (1) ◽  
Author(s):  
Amit Sharma ◽  
Bodh Raj Sharma
Keyword(s):  
Life Insurance ◽  
Customer Value ◽  
Likert Scale ◽  
Demographic Variables ◽  
Primary Data ◽  
Demographic Differences ◽  
Significant Difference ◽  
Quota Sampling

Aim of this paper is to assess the empirically demographic differences among the customers regarding customer value in Life Insurance Corporation. It is a fact that life insurance players in J&K have realized that their business advantage depends on customer value. The study is based upon the primary data obtained from customers of LIC belonging to various districts of J&K through quota sampling. A questionnaire was framed containing items of demographics and statements measuring customer value based upon seven point Likert scale. The findings indicate that the demographic variables viz., age, qualification, occupation wise, there is no significant difference regarding customer value in the perception of customers of LIC. However, district wise respondents do differ in their opinion regarding customer value in Life Insurance Corporation.

The influence of Education, Occupation and Income on Perceived Customer Value

2015 ◽  
Vol 3 (1) ◽  
Author(s):  
Amit Sharma ◽  
Bodh Raj Sharma
Keyword(s):  
Life Insurance ◽  
Customer Value ◽  
Demographic Variables ◽  
Insurance Companies ◽  
Primary Data ◽  
Insurance Sector ◽  
Significant Difference ◽  
Quota Sampling ◽  
Indian Insurance ◽  
Perceived Customer Value

The aim of this paper is to assess empirically perceptual gap among the customers having different educational qualification, occupation and income regarding customer value in Indian insurance sector. It is a fact that insurance sector has been growing tremendously despite a lot of competition in the marketplace. The study is based upon the primary data obtained from customers of four life insurance companies belonging to various districts of J&K through quota sampling. A questionnaire was framed containing items of demographics and statements measuring customer value based upon seven point Likert scale. The findings indicate that the demographic variables viz., qualification, occupation and monthly income, there is no significant difference regarding perceived customer value among the life insurance players.

People-centred management for improving construction workers' productivity in Zimbabwe

2021 ◽  
Vol 11 (2) ◽  
pp. 350-368
Author(s):  
Tirivavi Moyo ◽  
Gerrit Crafford ◽  
Fidelis Emuze
Keyword(s):  
Labour Productivity ◽  
Construction Workers ◽  
Primary Data ◽  
Related Factors ◽  
Content Type ◽  
Construction Companies ◽  
The People ◽  
Significant Difference ◽  
High Concern ◽  
The Impact

PurposeWhile operational factors reduce construction workers' productivity in Zimbabwe, the impact of the people-centred management aspects has not been empirically interrogated as a remedy. This article reports on a study that sought to determine significant people-centred management aspects that lead to improved labour productivity and assesses the existence of statistically significant differences due to the demographic variables of respondents. Demographic-specific strategies that enhance construction “workers” productivity were revealed.Design/methodology/approachThe survey research design using a self-administered questionnaire was deployed to collect the primary data. The design followed a positivist paradigm to evaluate objectively how people-centred management affects construction workers' productivity. The statistical data were descriptively and inferentially analysed.FindingsPeople-centred management was determined to be significant in improving construction workers' productivity, with the most significant aspect being the building of employee confidence in related approaches. Designations and educational levels mostly indicated a statistically significant difference in several aspects that included the adoption of a functional reward culture for workers and training on people-centred principles. Training on-site management and construction workers in people-centred management and its application are crucial to improving construction workers' productivity.Research limitations/implicationsConstruction companies should drastically improve their concern for people while they sustain a high concern for production within their construction sites. Although several factors affect construction workers' productivity, this study determined that management-related factors and people-centred management were significant towards influencing low productivity in Zimbabwe.Originality/valueThe study determined people-centred management and demographic-specific interventions as being able to improve construction workers' productivity in Zimbabwe.

scholarly journals Innovation in banking: fusion of artificial intelligence and blockchain

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Vedapradha R. ◽  
Hariharan Ravi
Keyword(s):  
Artificial Intelligence ◽  
Service Delivery ◽  
Employee Performance ◽  
Operating Cost ◽  
Investment Banks ◽  
Primary Data ◽  
Stepwise Multiple Regression ◽  
Cluster Sampling ◽  
Seamless Integration ◽  
Content Type

Purpose This study aims to analyze the importance of disruptive technological innovations on qualitative service delivery and their impact on the investment banks’ employee performance. Design/methodology/approach The cluster sampling method has been used to collect the primary data from the 250 respondents from foreign investment banks. Variables used are employee performance, service delivery, technology, security, operations, strategy and quality through chi-square, linear stepwise multiple regression analysis and correlation. Findings Storage network, operating cost, client reporting, cloud system and money laundering are the highest and most significant predictors of employee performance. Employee performance multiplies every unit with a strategic solution owing to positive and robust correlation (0.944). Fusion technology-based banks offer quality service to their clients. Originality/value A combination of artificial intelligence and blockchain ensures increasing automation to improve efficiency and reduce the operating cost creating a seamless integration in fraud detection, customer support, risk management, security, digitization and automation process, algorithmic trading, wealth management, etc.

A study of consumers’ pre-purchase evaluation of apparel products in Ethiopia

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Berihun Bizuneh ◽  
Shalemu Sharew Hailemariam ◽  
Selam Tsegaye
Keyword(s):  
Factor Analysis ◽  
Developing Country ◽  
Social Factors ◽  
Design Methodology ◽  
Online Survey ◽  
Educational Background ◽  
Demographic Variables ◽  
Content Type ◽  
Significant Difference ◽  
Garment Fit

PurposeThe purpose of this paper is to explore pre-purchase apparel evaluation cues and examine the effect of demographic variables empirically in the context of a developing country. The initiation for the study was driven by the absence of such prior research and supplemented by the big market opportunity for clothing products in the country under investigation.Design/methodology/approachA self-administered online survey was used for data collection. Demographic questions, 23 apparel measurement items composed of 17 product-based and 6 sustainability-based items, and an open-ended question were included in the questionnaire. Factor analysis was used for dimension reduction and one-way multivariate analysis of variance (MANOVA) for hypotheses testing.FindingsGarment fit, design features, colour, fabric type and seasonality are the five important characteristics most Ethiopian consumers consider while buying apparel products. Factor analysis resulted in five important factors used for pre-purchase apparel evaluation amongst which the design and extrinsic cue is found to be the most important. Environmental factors in the apparel industry got higher emphasis than social factors. While age and educational background made differences in apparel evaluation, gender did not show a significant difference.Originality/valueThe paper provides a founding insight in exploring apparel evaluation cues by considering product- and sustainability-based cues in a developing country context. It also examines the effect of three demographic variables which are rarely studied in such combination.

Effect of demographic characteristics on service quality perception

2019 ◽  
Vol 37 (3) ◽  
pp. 418-431
Author(s):  
Samson Oluseun Ojekalu ◽  
Olatoye Ojo ◽  
Timothy Tunde Oladokun ◽  
Sumoila Aremu Olabisi
Keyword(s):  
Service Quality ◽  
Effect Size ◽  
Demographic Variables ◽  
Demographic Characteristics ◽  
Primary Data ◽  
Systematic Sampling ◽  
Content Type ◽  
Quality Perception ◽  
Five Axes

Purpose Although a substantial amount of research on the effect of demographics on service quality perception can be found in the extant literature, practitioners and researchers in the built environment, especially property managers, know little or nothing about the influence of demographic characteristics on service quality in Nigeria. Hence, the purpose of this paper is to examine the effect of demographic variables of the occupiers of shopping complexes on the perception of service quality of property managers. Design/methodology/approach Primary data were used for the study through questionnaire administration. Ibadan was stratified into five axes using existing major roads where shopping complexes were highly concentrated. Based on the Oyo State Ministry of Land, Housing and Survey (2017) database, there were 33, 65, 48, 64 and 66 shopping complexes on each identified major road. A systematic sampling technique was adopted to select 57 (20 per cent) out of 276 shopping complexes and 192 (10 per cent) out of 1,919 occupiers of the shopping complexes in the study area. In total, 157 occupiers responded to the questionnaire, and data were analysed using mean, independent t-test, and one-way ANOVA. Findings The study found that the gender and education of the occupiers significantly influenced service quality perception, whereas the age of the respondents was insignificant. Specifically, female occupiers rated the service quality of property managers better than their male counterparts. Through η2, the effect size of gender on service quality perception was small (17 per cent) and effect size on the level education of the occupiers was also small (13 per cent). The age of occupiers did not significantly influence service quality perception. It is expected that the findings of this study will help property managers to understand the effect of various demographic variables on service quality perception for enhanced property management practice. Practical implications The findings suggested that the property managers of shopping complex should structure their services to best accommodate occupiers’ demographics. Moreover, property managers can use the findings to guide demographic-driven marketing strategy to target and attract more tenants efficiently. Originality/value The study is one of the few studies that examined the effect of the demographic characteristics of occupiers on service quality perception that could enhance given individualised attention to occupiers.

Does intellectual capital allow improving innovation performance? A quantitative analysis in the SME context

2017 ◽  
Vol 18 (2) ◽  
pp. 400-418 ◽  
Author(s):  
Lara Agostini ◽  
Anna Nosella ◽  
Roberto Filippini
Keyword(s):  
Intellectual Capital ◽  
Innovation Performance ◽  
Three Dimensions ◽  
Incremental Innovation ◽  
Primary Data ◽  
High Tech ◽  
Content Type ◽  
Significant Difference ◽  
Confirmatory Factor ◽  
Innovation Capital

Purpose The purpose of this paper is to investigate the association between the strength of intellectual capital (IC) and small- and medium-sized enterprise (SME) innovation performance. Design/methodology/approach Primary data of 150 SMEs belonging to manufacturing medium-high tech industries were collected through a survey. The methodology consists of a confirmatory factor analysis and a cluster analysis, complemented by a t-test, to assess whether there is a significant difference in terms of innovation performance of SMEs characterized by a different strength of IC. Findings Overall, the findings show that SMEs of the sample can be divided into two groups characterized by a different strength of IC, and those SMEs disclosing a higher strength of IC, in terms of human capital, innovation capital and relational capital, exhibit a significantly higher radical and incremental innovation performance. Practical implications The present study provides SME entrepreneurs and managers with an empirical evidence that possessing strong IC in its three dimensions seems to help SMEs reinforce their ability to generate both radical and incremental innovation. This calls that SME entrepreneurs and managers need to identify and effectively manage IC in order to strengthen and effectively leverage their investments on IC. Originality/value This study is particularly relevant because, instead of focusing on single categories of IC as previous studies mainly do, it adopts an overarching perspective of the dimensions of IC and their impact on both radical and incremental innovation performance. Moreover, it focuses on the SME context which has been less investigated than large firms within the domain of IC.

The prevalence of anaemia among Saudi school girls: a comparison of two techniques

2016 ◽  
Vol 13 (2) ◽  
pp. 82-88
Author(s):  
Elham Abbas Aljaaly ◽  
Nahlaa Abduwahab Khalifa
Keyword(s):  
Venous Blood ◽  
National Sample ◽  
Capillary Blood ◽  
Primary Data ◽  
Content Type ◽  
Jeddah City ◽  
System Method ◽  
Significant Difference ◽  
High Prevalence ◽  
School Girls

Purpose – Continuous integration of health screens to investigate and track variations in the students’ healthiness over time is essential. However, the sustainability of this practice remains challenging. The purpose of this paper is to identify the prevalence of anaemia based on haemoglobin (Hb) estimation among Saudi school girls in Jeddah city by examining capillary and venous blood. Design/methodology/approach – The design is investigative, using primary data to define the prevalence of anaemia based on two techniques. Samples of venous (n=408) and capillary (n=797) blood from Saudi school girls in Jeddah city was collected and compared using: Reflotron Plus System method (capillary blood) and ABX MICROS 60-OT Automated Haematology Analyser for (venous blood). Findings – When the capillary blood was used, the prevalence of anaemia was 40 per cent (n=319 out of 797). Using the venous blood, the prevalence was 29.4 per cent (n=120 out of 408). Comparison of Hb data for both tests showed a significant difference in Hb levels with levels between the 10g and 12 g/dl particularly and both measurements demonstrated good agreement (ICC=0.87, 95 per cent CI (0.845, 0.892)). Research limitations/implications – The data were collected only in Jeddah city. Further studies should include a national sample that is representative of both gender from different backgrounds and geographical areas in the kingdom of Saudi Arabia. Practical implications – The high prevalence of anaemia within the school girls’ population require decision makers to devise a set of maintainable projects to progress students’ general health, including health education and supplementation such as iron, particularly if anaemia is diagnosed to be nutrition-related. This particularly applied to the health centres at female schools that have anaemia screening programmes that going on in Saudi schools. Originality/value – This study reveals a technique-based measures of anaemia prevalence that have public and practical health implications.

Socio-demographic influences on various consumer food safety indices: an empirical study of ethnic Goan pork sausage consumers

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Solomon Rajkumar ◽  
Renuka Nayar ◽  
Kavitha Rajagopal ◽  
Eaknath B. Chakurkar ◽  
Vismitha Shree Venkatesh ◽  
...  
Keyword(s):  
Regression Analysis ◽  
Food Safety ◽  
Health Hazard ◽  
Linear Regression Analysis ◽  
Demographic Variables ◽  
Primary Data ◽  
Content Type ◽  
Pork Sausage ◽  
Cumulative Score ◽  
Safety Indices

PurposeThe purpose of this paper is to assess food safety knowledge, choice behavior and health hazard concerns of ethnic Goan pork sausage consumers through various consumer food safety indices and also to evaluate socio-demographic influences on various consumer food safety indices.Design/methodology/approachPrimary data in the form of 210 questionnaire responses were collected from Goan pork sausage consumers. Based on the responses, seven various consumer food safety indices were derived. The cumulative score of all the indices were normalized (0–1). The association between socio-demographic variables and consumer indices were evaluated using linear regression analysis, Pearson's correlation matrix, principal component analysis (PCA) and correspondence analysis (CA).FindingsThe results of the analysis indicate that the consumption of Goan pork sausages is most prevalent amongst younger people with high education having higher income. A majority of consumers have high score for the four consumer indices. The results of correlation analysis, regression analysis, PCA and CA revealed a significant association of consumer indices with socio-demographic variables.Originality/valueThe results of this study will provide a way forward for the evaluation of existing overall food safety concerns in the target population and in the future would be used for the promotion of good handling practices and health of Goan pork sausage consumers.

Self Help Groups as a driver of Women Empowerment

2020 ◽  
Vol 36 (2) ◽  
pp. 61-64
Author(s):  
Dimple Goel ◽  
and Sanjay Kumar Sinha
Keyword(s):  
Social Economic ◽  
Psychological Empowerment ◽  
Sampling Technique ◽  
Demographic Variables ◽  
Primary Data ◽  
Self Help ◽  
Significant Difference ◽  
Convenience Sampling ◽  
Self Help Groups

The purpose of this study was to study the role of SHG in social, economic and psychological empowerment of women in Haryana The study included primary data from 278 from rural respondents of Haryana (156 from Kaithal District and 122 from Ambala District) selected through non-probability convenience sampling technique. Cronbach’s alpha test was conducted to check the reliability and internal consistency of collected data. The results show that there exist no statistically significant difference in social, economic and psychological empowerment of women with respect to demographic variables. The findings of the study can help Government and NRLM to adopt appropriate policy and encourage women to participate in SHG activity.

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