An Appraisal of Aadhaar and Digital Payments Strategies in India

2021 ◽  
pp. 130-148
Author(s):  
Ajit Dayanandan ◽  
Rajesh Many
Keyword(s):  
Real Time ◽  
Retail Trade ◽  
Electronic Trading ◽  
Global Trends ◽  
Indian Economy ◽  
Payment Methods ◽  
Digital Payments ◽  
The Cost ◽  
Trade Market

India has high digital ambitions despite considerable poverty, the digital divide, and continued high currency usage. Digitalisation has caused both excitement and fear in India – government and companies are excited about an increase in efficiency, closing the leakages, customer confidence, and satisfaction. The present study examines the role of digitalisation in the Indian economy, especially in creating a unique Digital ID (Aadhaar) and its impact on the economic, financial, and payment infrastructure. The study finds major innovations in cheque processing, real-time gross settlement, national electronic fund transfer, and other payment methods have considerably reduced the cost of banking facility in India. The Indian capital market has already witnessed electronic trading and settlement and has recently witnessed emergence of no-brokerage companies which can change the fundamental dynamics of the investment industry in India. The retail trade market, especially e-commerce, ride share market in India reflecting global trends, has also witnessed considerable “multi-homing.”

scholarly journals The role of Fintech in predicting the spread of COVID-19

2021 ◽  
Vol 16 (1) ◽  
pp. 1-16
Author(s):  
Mohannad Abu Daqar ◽  
Milan Constantinovits ◽  
Samer Arqawi ◽  
Ahmad Daragmeh
Keyword(s):  
Financial Services ◽  
Structural Equation ◽  
Sampling Technique ◽  
Equation Modeling ◽  
Main Concern ◽  
Snowball Sampling ◽  
Payment Methods ◽  
Digital Payments ◽  
And Behavior

This study aims to investigate the role of Fintech in predicting the spread of COVID-19 based on consumers’ Fintech perceptions and behavior before and after the outbreak of COVID-19. The study used a questionnaire-based survey distributed in different countries of the world using the LinkedIn platform for this purpose to reach the targeted population. The snowball sampling technique was used. The study targeted consumers with Fintech experience, especially in digital payments services. 507 samples were retrieved. For the analysis, the Structural Equation Modeling (SEM) was used. The study revealed novel results in predicting COVID-19 spread; these three variables (Fintech Behavior before COVID-19, Fintech Behavior after COVID-19, and Fintech Perception after COVID-19) could predict 52.5% of the variance in the dependent variable (COVID-19 Spread) (R² = 0.525, p < 0.05). The findings show that Higher Fintech perception and behavior among Fintech users will help in reducing the spread of COVID-19 by avoiding the use of contact payment methods. Contactless payment methods are the main tools in Fintech that might help in avoiding the probability of COVID-19 spread. Consumers’ Fintech perceptions and behavior are the most influencing factors that could predict the spread of COVID-19 in this study, where digital payments are the main concern. It is recommended that consumers adopt digital payment methods and tools, especially contactless payment methods, to fulfill their financial services. Other researchers are also encouraged to use the same model to predict the spread of this virus in the Fintech context.

scholarly journals The Main Trends of the Internal Trade and Prospect Direction of Its Development in the Republic of Belarus

2017 ◽  
pp. 39-45
Author(s):  
A. Z. Korobkin ◽  
A. Ya. Yakimik
Keyword(s):  
Retail Trade ◽  
Electronic Trading ◽  
Wholesale Trade ◽  
Trading Systems ◽  
Current State ◽  
The Republic ◽  
Structure Of Trade ◽  
Trading Network ◽  
Internal Trade

In the proposed article brief assessment of current state of retail trade of the Republic of Belarus is carried out with the use of state statistical monitoring materials, as well as, tendencies and perspective directions of its development are defined. Research starts with determination of internal trade development tendencies at the beginning of the 21st century under the conditions of world consumer market globalization, the main of which are state regulation growth of food safety and quality of goods; increasing role of trade in formation of manufactured goods assortment; further differentiation of trade forms; expansion of distribution channels by trade companies, including Internet trading; strengthening importance of innovation in trade; increasing role of trade as a factor of region's investment prospects. Estimation of dynamics of retail trade volumes of the Republic of Belarus from 1990 till 2016 at current and comparable prices was made. The main part of the article concentrates on study of current state of trade of the Republic of Belarus over recent years. Tendencies of actual change in its volumes are revealed, as well as, under the influence of price factor. Cost indicators of trade volumes are shown both in national currency of the Republic of Belarus and in US dollars for perception convenience of a foreign reader. The article examines goods and organizational structure of trade volumes, structure of trade according to forms of ownership and volumes of trade organizations. Tendencies of domestic and imported goods sales, electronic trading development, as well as, sales with the use of bank cards have been identified. Separate section of the article explores retail trade of consumer cooperatives, which is currently one of the most significant trading systems of the Republic of Belarus. In addition, the article provides a brief state analysis of retail trade network and wholesale trade. In conclusion of the article the main trends in development of internal trade of the Republic of Belarus are revealed, as well as, perspective directions of its development are determined, the main of which are growth of private property ratio in number of trade organizations of both retail and wholesale trade; in number of retail facilities and sales volumes; growth of retail sales in current prices and its decline in comparable prices; growth of sales share of food products in total sales volumes; increase of electronic trading and trade with the use of bank cards ratio; increase of ratio of employment in trade; improving of trading network typification and specialization; improving of assortment policy; further development of discounters; development of network trading in district centers and rural areas; growth of electronic trading volumes.

Thoughts on the Long-Term Strategy, Science and Democracy

2006 ◽  
pp. 4-19 ◽  
Author(s):  
L. Abalkin
Keyword(s):  
Strategy Development ◽  
Russian Science ◽  
Global Trends ◽  
The World ◽  
World Development ◽  
Crucial Condition

The article covers unified issues of the long-term strategy development, the role of science as well as democracy development in present-day Russia. The problems of budget proficit, the Stabilization Fund issues, implementation of the adopted national projects, an increasing role of regions in strengthening the integrity and prosperity of the country are analyzed. The author reveals that the protection of businessmen and citizens from the all-embracing power of bureaucrats is the crucial condition of democratization of the society. Global trends of the world development and expert functions of the Russian science are presented as well.

Hostile Takeovers and Anti-takeover Defenses in the Russian Corporate Market

2007 ◽  
pp. 70-84 ◽  
Author(s):  
E. Demidova
Keyword(s):  
Cost Benefit Analysis ◽  
Cost Benefit ◽  
Benefit Analysis ◽  
Costs And Benefits ◽  
Hostile Takeovers ◽  
Russian Market ◽  
Takeover Defenses ◽  
The Cost ◽  
European Markets

This article analyzes definitions and the role of hostile takeovers at the Russian and European markets for corporate control. It develops the methodology of assessing the efficiency of anti-takeover defenses adapted to the conditions of the Russian market. The paper uses the cost-benefit analysis, where the costs and benefits of the pre-bid and post-bid defenses are compared.

Changing Role of Agriculture in Income and Employment, and Trends of Agricultural Worker Productivity in Indian States

2020 ◽  
pp. 183-189
Keyword(s):  
Green Revolution ◽  
Positive Trend ◽  
Worker Productivity ◽  
Indian States ◽  
Agricultural Worker ◽  
The Sixties ◽  
High Level ◽  
The Cost ◽  
Changing Role

The productivity of land has been often discussed and deliberated by the academia and policymakers to understand agriculture, however, very few studies have focused on the agriculture worker productivity to analyze this sector. This study concentrates on the productivity of agricultural workers from across the states taking two-time points into consideration. The agriculture worker productivity needs to be dealt with seriously and on a time series basis so that the marginal productivity of worker can be ascertained but also the dependency of worker on agriculture gets revealed. There is still disguised unemployment in all the states and high level of labour migration, yet most of the states showed the dependency has gone down. Although a state like Madhya Pradesh is doing very well in terms of income earned but that is at the cost of increased worker power in agriculture as a result of which, the productivity of worker has gone down. States like Mizoram, Meghalaya, Nagaland and Tripura, though small in size showed remarkable growth in productivity and all these states showed a positive trend in terms of worker shifting away from agriculture. The traditional states which gained the most from Green Revolution of the sixties are performing decently well, but they need to have the next major policy push so that they move to the next orbit of growth.

Music publications in Galicia in the 19th — beginning of the 20th centuries: production, advertising, pricing

2019 ◽  
pp. 481-499
Author(s):  
Olga Osadtsia
Keyword(s):  
Book Publishing ◽  
Initial Form ◽  
Music Production ◽  
Bibliographic Information ◽  
Financial Factor ◽  
Determining Factors ◽  
Book Selling ◽  
The Cost ◽  
Import Trade

The main forms and methods of distribution of music publications in Galicia in the XIX — early XX centuries are scrutinized. The demand for the relevant music production is one of the determining factors in the formation of the musical publishing repertoire, its structure and special features in the process of the existence of music publications in society. It is noted that export-import trade in books has become especially widespread in Galicia; there are facts about the links between publishers and booksellers in Lviv and Warsaw. The basic types of presentation of book advertising of music products, its regional peculiarities, and ways of its placement are considered. Special emphasis is placed on the role of specialized press in the advertising of music products, typical examples of press advertising. The registration bibliographic information as the initial form of music bibliography and the forms of its compilation are distinguished. The emphasis is placed on the importance of thorough critical articles as a separate typological group of bibliographic publications under the conditions of formation of the Ukrainian bibliography, in which the main importance is given to the disclosure of the content and evaluation of the reviewed work. The combination of article genres and reviews on examples of separate publications by Stanislav Lyudkevych and Ivan Franko is traced. Special book-selling and book-publishing catalogs are characterized. While executing the marketing and advertising function, these directories were addressed primarily to foreign consumers and distributors (the so-called commissioners).One way to distribute music is to subscribe through libraries. A significant financial factor in the distribution of any printed matter was the price that depended primarily on the cost of each process associated with its publication. Keywords: music publications, bookstore, book-trading enterprise, advertising of publications, pricing.

Use of odor by host-finding insects: the role of real-time odor environment and odor mixing degree

Chemoecology ◽  
2021 ◽  
Author(s):  
Xinliang Shao ◽  
Ke Cheng ◽  
Zhengwei Wang ◽  
Qin Zhang ◽  
Xitian Yang
Keyword(s):  
Real Time ◽  
Host Finding

Locking down behavioural compliance: The role of emotion and emotion regulation in breaches of COVID-19 mitigation measures in Aotearoa New Zealand

2021 ◽  
pp. 135910532110299
Author(s):  
Terise Broodryk ◽  
Kealagh Robinson
Keyword(s):  
Public Health ◽  
Young Adults ◽  
New Zealand ◽  
Health Behaviours ◽  
Mitigation Measures ◽  
Aotearoa New Zealand ◽  
High Knowledge ◽  
The Cost ◽  
Insight Into

Although anxiety and worry can motivate engagement with COVID-19 preventative behaviours, people may cognitively reframe these unpleasant emotions, restoring wellbeing at the cost of public health behaviours. New Zealand young adults ( n = 278) experiencing nationwide COVID-19 lockdown reported their worry, anxiety, reappraisal and lockdown compliance. Despite high knowledge of lockdown policies, 92.5% of participants reported one or more policy breaches ( M  = 2.74, SD = 1.86). Counter to predictions, no relationships were found between anxiety or worry with reappraisal or lockdown breaches. Findings highlight the importance of targeting young adults in promoting lockdown compliance and offer further insight into the role of emotion during a pandemic.

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