IJMT Vol-2 Issue-1 Abstract

International Journal of Marketing and Technology (ISSN: 2249-1058)
CONTENTS
Sr. No.
TITLE & NAME OF THE AUTHOR (S)

The Impact Of Tourism On Culture: Empirical Evidence From Victoria Falls. Alick Mhizha, Golden Mandebvu and Noel Muzondo Estimation Of Market Volatility-A Case Of Logistic Brownian Motion. D. B. Oduor, N. Omolo Ongati, N. B. Okelo and Silas N. Onyango Market access and agriculture suitability analysis using GIS technique A case study on Morobe province, Papua New Guinea. Sailesh Samanta, Babita Pal, Dilip Kumar Pal and Wycliffe Antonio Assessment Of Library Service Quality From Researchers Perspective. Ms. Sunil Kumari, Ms. Poonam Khurana and Ms. Madhu Arora Sustainable Development through ICT and education - A collaborative endeavour. Dr. Sangeeta Kohli and Dr. Ritu Bhattacharyya International Marketing And The Impact Of Technology On The Integration Of The Global Economy. Dr. Ashish Mathur Fiscal Policy, Public Debt, And Economic Growth. William R. DiPietro Work / Life Balance In Corporate Sector. Prerna Profitabilty Analysis Of Reliance Telecom Ltd. M. Usharani and M. Kavitha A Study On Customer Involvement In Purchase Of Home Appliance. P. Janaki and S. Premila Economic Growth, Corruption and Poverty. Mr. Harsimran Singh and Dr. Sarbjeet Singh A Study on Consumer perceptions and Brand Equity Analysis of Mens shirts: Foreign Brands Vs Domestic brands. A. Pughazhendi and R. Thirunavukkarasu Applying Knowledge Management in the Life Insurance Industry. Dr. M. Dhanabhakyam, V. Anitha and S. Kavitha Measuring The Service Quality Gap Between The Perceived And Expected Services In Retail Banking. Ganesh P Analysis on Problems of Customers on Mobile Banking Services of ICICI BANK in Tenkasi Taluk. Dr. S. Valli Devasena
Page No.
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18-19 20-21 22-23
24-25
26-27
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30-31
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34-35
January Volume 2, Issue 1 2012 __________________________________________________________
IJMT
ISSN: 2249-1058
Chief Patron
Dr. JOSE G. VARGAS-HERNANDEZ
Member of the National System of Researchers, Mexico Research professor at University Center of Economic and Managerial Sciences, University of Guadalajara Director of Mass Media at Ayuntamiento de Cd. Guzman Ex. director of Centro de Capacitacion y Adiestramiento
Patron
Dr. Mohammad Reza Noruzi
PhD: Public Administration, Public Sector Policy Making Management, Tarbiat Modarres University, Tehran, Iran Faculty of Economics and Management, Tarbiat Modarres University, Tehran, Iran Young Researchers' Club Member, Islamic Azad University, Bonab, Iran
Chief Advisors
Dr. NAGENDRA. S.
Senior Asst. Professor, Department of MBA, Mangalore Institute of Technology and Engineering, Moodabidri
Dr. SUNIL KUMAR MISHRA

Associate Professor, Dronacharya College of Engineering, Gurgaon, INDIA
Mr. GARRY TAN WEI HAN

Lecturer and Chairperson (Centre for Business and Management), Department of Marketing, University Tunku Abdul Rahman, MALAYSIA
MS. R. KAVITHA
Assistant Professor, Aloysius Institute of Management and Information, Mangalore, INDIA
Dr. A. JUSTIN DIRAVIAM

Assistant Professor, Dept. of Computer Science and Engineering, Sardar Raja College of Engineering, Alangulam Tirunelveli, TAMIL NADU, INDIA
A Monthly Double-Blind Peer Reviewed Refereed Open Access International e-Journal - Included in the International Serial Directories
Indexed & Listed at: Ulrich's Periodicals Directory , U.S.A., Open J-Gage, India as well as in Cabells Directories of Publishing Opportunities, U.S.A.
International Journal of Marketing and Technology http://www.ijmra.us 2
IJMT
ISSN: 2249-1058
Editorial Board
Dr. CRAIG E. REESE
Professor, School of Business, St. Thomas University, Miami Gardens
Dr. S. N. TAKALIKAR
Principal, St. Johns Institute of Engineering, PALGHAR (M.S.)
Dr. RAMPRATAP SINGH

Professor, Bangalore Institute of International Management, KARNATAKA
Dr. P. MALYADRI
Principal, Government Degree College, Osmania University, TANDUR
Dr. Y. LOKESWARA CHOUDARY

Asst. Professor Cum, SRM B-School, SRM University, CHENNAI
Prof. Dr. TEKI SURAYYA

Professor, Adikavi Nannaya University, ANDHRA PRADESH, INDIA
Dr. T. DULABABU
Principal, The Oxford College of Business Management, BANGALORE
Dr. A. ARUL LAWRENCE SELVAKUMAR

Professor, Adhiparasakthi Engineering College, MELMARAVATHUR, TN
Dr. S. D. SURYAWANSHI
Lecturer, College of Engineering Pune, SHIVAJINAGAR
Dr. S. KALIYAMOORTHY
Professor & Director, Alagappa Institute of Management, KARAIKUDI
Prof S. R. BADRINARAYAN
Sinhgad Institute for Management & Computer Applications, PUNE
Mr. GURSEL ILIPINAR

ESADE Business School, Department of Marketing, SPAIN
Mr. ZEESHAN AHMED

Software Research Eng, Department of Bioinformatics, GERMANY

Mr. SANJAY ASATI
Dept of ME, M. Patel Institute of Engg. & Tech., GONDIA(M.S.)
IJMT
ISSN: 2249-1058
Mr. G. Y. KUDALE
N.M.D. College of Management and Research, GONDIA(M.S.)
Editorial Advisory Board

Dr. MANJIT DAS
Assistant Professor, Deptt. of Economics, M.C.College, ASSAM
Dr. ROLI PRADHAN

Maulana Azad National Institute of Technology, BHOPAL
Dr. N. KAVITHA
Assistant Professor, Department of Management, Mekelle University, ETHIOPIA
Prof C. M. MARAN
Assistant Professor (Senior), VIT Business School, TAMIL NADU
Dr. RAJIV KHOSLA

Associate Professor and Head, Chandigarh Business School, MOHALI
Dr. S. K. SINGH
Asst. Professor, R. D. Foundation Group of Institutions, MODINAGAR
Dr. (Mrs.) MANISHA N. PALIWAL

Associate Professor, Sinhgad Institute of Management, PUNE
Dr. (Mrs.) ARCHANA ARJUN GHATULE

Director, SPSPM, SKN Sinhgad Business School, MAHARASHTRA
Dr. NEELAM RANI DHANDA

Associate Professor, Department of Commerce, kuk, HARYANA
Dr. FARAH NAAZ GAURI

Associate Professor, Department of Commerce, Dr. Babasaheb Ambedkar Marathwada University, AURANGABAD

Prof. Dr. BADAR ALAM IQBAL
Associate Professor, Department of Commerce, Aligarh Muslim University, UP
IJMT
ISSN: 2249-1058
Dr. CH. JAYASANKARAPRASAD

Assistant Professor, Dept. of Business Management, Krishna University, A. P., INDIA
Technical Advisors
Mr. Vishal Verma
Lecturer, Department of Computer Science, Ambala, INDIA
Mr. Ankit Jain

Department of Chemical Engineering, NIT Karnataka, Mangalore, INDIA
Associate Editors
Dr. SANJAY J. BHAYANI
Associate Professor ,Department of Business Management, RAJKOT, INDIA
MOID UDDIN AHMAD

Assistant Professor, Jaipuria Institute of Management, NOIDA
Dr. SUNEEL ARORA

Assistant Professor, G D Goenka World Institute, Lancaster University, NEW DELHI
Mr. P. PRABHU
Assistant Professor, Alagappa University, KARAIKUDI
Mr. MANISH KUMAR

Assistant Professor, DBIT, Deptt. Of MBA, DEHRADUN
Mrs. BABITA VERMA

Assistant Professor, Bhilai Institute Of Technology, DURG
Ms. MONIKA BHATNAGAR

Assistant Professor, Technocrat Institute of Technology, BHOPAL
Ms. SUPRIYA RAHEJA

Assistant Professor, CSE Department of ITM University, GURGAON
IJMT
ISSN: 2249-1058
Title
THE IMPACT OF TOURISM ON CULTURE: EMPIRICAL EVIDENCE FROM VICTORIA FALLS
Author(s)
Alick Mhizha
Department of Tourism, Leisure and Hospitality Management, University of Zimbabwe
Golden Mandebvu
Department of Tourism, Leisure and Hospitality Management, University of Zimbabwe
Noel Muzondo
Department of Business Studies, University of Zimbabwe
January Volume 2, Issue 1 2012 __________________________________________________________ ABSTRACT:
IJMT
ISSN: 2249-1058
The study sought to establish the impact of tourism on culture in and around Victoria Falls, Zimbabwe. An accidental sample of 104 respondents living in the town comprising employees in the tourism, leisure and hospitality industry, community leaders, and members of the public was surveyed to fulfil the studys objective. Descriptive statics and factor analysis were employed to analyse the data. A total of seven factors, which influence the impact of tourism on culture, were extracted from the dataset. All but one of the seven factors concerned the negative impacts of tourism on culture. This is consistent with findings in other countries where tourism has been found to have more negative than positive impacts on culture. The implications for the study are that national tourism policy makers should redefine policy to ensure that the factors impacting negatively on culture are addressed.
Key words: Culture, tourism, Zimbabwe, ethnicity
IJMT
ISSN: 2249-1058
Title
ESTIMATION OF MARKET VOLATILITY-A CASE OF LOGISTIC BROWNIAN MOTION
Author(s)
D. B. ODUOR Department of Mathematics and Applied Statistics, Maseno University, P.O Box 333 Maseno Kenya.
N. Omolo Ongati School of Mathematics and Actuarial Science, Bondo University College, Box 210 406001, Bondo Kenya.
N. B. Okelo School of Mathematics and Actuarial Science, Bondo University College, Box 210 406001, Bondo Kenya.
Silas N. Onyango Faculty of Commerce and Distance Learning, KCA University, P.O Box 56808, Nairobi Kenya.
IJMT
ISSN: 2249-1058
In this paper, we have used the Dupire's equation to derive the volatility model when the asset price follows logistic Brownian motion. We have used the analysis of Brownian motion, logistic Brownian motion, derivation of Black-Scholes Merton differential equation using It^o process and It^os lemma and stochastic processes. We have also reviewed derivation of Dupire
Volatility equation and used it's concept to derive a volatility model when the asset price follows logistic Brownian motion.
Keywords: Volatility, Modeling, Brownian motion, differential equation and Dupires equation
IJMT
ISSN: 2249-1058
Title
Market access and agriculture suitability analysis using GIS technique A case study on Morobe province, Papua New Guinea
Author(s)
Sailesh Samanta
Department of Surveying and Land Studies, PNG University of Technology, Private Mail Bag, Lae411, Morobe Province, Papua New Guinea
Babita Pal
Dilip Kumar Pal

Wycliffe Antonio
January Volume 2, Issue 1 2012 __________________________________________________________ Abstract:
IJMT
ISSN: 2249-1058
This study used an empirical methodology for analysis and mapping of the crop suitability and market accessibility using GIS techniques. This paper examines statistical approaches for interpolating market related data over large regions, providing different interpolation techniques for market access variables used in agricultural research. Tension method of Spline interpolation process was evaluated to distribute different variables related to market accessibility for total land area of Morobe province, Papua New Guinea. Different independent market access variables like village points, minor market, major market, capital market, telecommunication, airstrip and airports, major road network and major wharfs were used for the interpolation process. Suitable market access zones were modeled using each independent market access variable. The accessible area was coded as 1 and rest area as 2 for each case. Overlay operation (intersection and union) was performed to find out the suitable market access zones using previously modeled seven types of market accessibility results. District level market accessibility analyses were done for nine districts of Morobe province to find out the status of each district in relation to the market accessibility. On the other hand climate, soil and slope of the area were used to find out suitable zone for agriculture process. Finally suitable agriculture zone map was overlaid on the market accessibility map for better understanding.
Keywords: GIS, spatial modeling, spatial analysis, agriculture suitability, market access
IJMT
ISSN: 2249-1058
Title
ASSESSMENT OF LIBRARY SERVICE QUALITY FROM RESEARCHERS pERSpECTIVE
Author(s)
Ms. Sunil Kumari

Research Scholar, M.D.U. Rohtak.
Ms. Poonam Khurana

Assistant Professor, CPJ Institute of advanced studies, Delhi
Ms. Madhu Arora

Assistant Professor, Fairfield Institute of Management and Technology, Delhi.
IJMT
ISSN: 2249-1058
The present study aims at examining the Library service quality used in professional education libraries under G.G.S.I.P.University from users, perspectives. Recently electronic resources have taken a prominent place in a library. In order to find out present condition, difficulties and requirements of using e-resources the difficulties encountered by libraries are also investigated in this study. This study is based on primary data (printed Questionnaire), which was given to 11 institutes including university library and 10 institutes responded. We came up with some significant observations and recommendations. It noted that working with other libraries and sharing provision can also help users of both sides. One more observation is about qualification of librarian is important because most people do not have the same knowledge about books etc. that librarian have. Many institutes has the traditional functions such as acquisition, cataloguing and access to resources.
IJMT
ISSN: 2249-1058
Title
Sustainable Development through ICT and education - A collaborative endeavour
Author(s)
Dr. Sangeeta Kohli

Principal, S.K. Somaiya College of Arts, Science & Commerce
Dr. Ritu Bhattacharyya

Director, MGM College of Management, Navi Mumbai
IJMT
ISSN: 2249-1058
ICT Information and Communication Technology plays an important role in enabling participatory education, covering wide areas, vast distances and most important eliminating discrimination in education. Among the developing countries India has achieved a significant position in the development of ICT and is taking slow but steady strides in promoting ICT enabled education in India. ICT is an extremely powerful enabler in providing sustainable development to all countries around the world. It is one of the most rapidly developing
technological field providing speed and convenience to mankind. Education has always been accepted as the prime source for bringing about awareness, improving knowledge base and leading to enlightenment. Benefits achieved from the synergy of ICT and education can bring about a revolution in the field of knowledge. Economic and social developmental mileage achieved by the countries which reaped the synergetic benefits of ICT and education stand as an example before the world. However we are still surrounded by widespread poverty, illiteracy and economic and social inequality. A major gap exists between the affluent societies which have access to modern ICT and the under privileged population of the less developed countries. An unequal availability of technology, excludes many countries from availing the developmental benefits of ICT.
IJMT
ISSN: 2249-1058
Title
INTERNATIONAL MARKETING AND THE IMPACT OF TECHNOLOGY ON THE INTEGRATION OF THE GLOBAL ECONOMY
Author(s)
Dr. Ashish Mathur Associate Professor, Department of Management Studies, Lachoo Memorial College of Science and Technology, Jodhpur
IJMT
ISSN: 2249-1058
The international marketing is changing the ways and ethics of doing business with more emphasis on connectivity and responding to the customers to their special needs through the websites and other sources of communication. The world is becoming more universal with the impacts of media making the brands more international and acceptable due the popularity created at larger forums of connections. The aim of the paper is analyse the impact of international marketing on the strategies to make the products more acceptable to the international consumers.
Key words: technology trends, management, impacts
IJMT
ISSN: 2249-1058
Title
FISCAL POLICY, PUBLIC DEBT, AND ECONOMIC GROWTH
Author(s)
William R. DiPietro Professor of Economics Daemen College
IJMT
ISSN: 2249-1058
This paper employs the variability of real government expenditure as a measure of fiscal policy and uses cross country regression analysis, first, to see whether fiscal policy is favorable for economic growth, and, second, to test the hypothesis that greater public debt tends to dampen the effectiveness of fiscal policy on economic growth. The results lend support to both contentions. Public debt is becoming a real worldwide concern. Debt is no longer just a problem of poor developing countries, but is now becoming a major issue for rich, highly developed countries as well. Europe is experiencing debt crisis in a number of its countries and even the U.S. is having difficulties raising debt ceilings in U.S. Congress. One of the potential consequences of high levels of public debt is that it may hamstring a governments ability to conduct fiscal policy. In order to sustain economic growth, a government needs to maintain adequate demand in the economy. Although private investment is critical for invention, innovation, capital accumulation, and economic progress, private investment is very fragile and erratic because it depends on the maintenance of demand in the economy. Investment depends on profits, and profits depend on sales, but sales ultimately depend on demand. To achieve economic growth, the government needs to create an environment conducive to investment. So that there will be high levels of investment and economic growth, it must assure sufficient demand.
IJMT
ISSN: 2249-1058
Title
Work / Life Balance In Corporate Sector
Author(s)
Prerna
Assistant Professor, Deptt. of Commerce, DAV College, Pehowa (Kurukshetra)
IJMT
ISSN: 2249-1058
Life is moving very fastly. People are not able balance their work / life. They are facing a lot of problems in their daily life. Tight schedules, pressure of the boss to do the work into stipulated time, never ending meetings etc. makes the person tired and he / she do not remain able to enjoy his life at home with their spouse and children. Can the existence of work-life balance programs be attributed to a realization of social responsibility by the employers towards their employees or to a realization of the competitive advantage it offers to employers? Before we can answer this question, we need to define what work-life balance is and various factors associated with it, which is also the purpose of this article.
IJMT
ISSN: 2249-1058
Title
PROFITABILTY ANALYSIS OF RELIANCE TELECOM LTD
Author(s)
M. USHARANI
Ph.d Scholar, Dept. of Commerce, Avinashilingam Institute for Home, Science and Higher Education for Women, Coimbatore 641 043
M.KAVITHA
PH.D Scholar, Dept. of Commerce, Bharathiar University, Coimbatore 641 046
IJMT
ISSN: 2249-1058
Telecommunication is the assisted transmission over a distance for the purpose of communication. It typically involves the use of electronic devices such as the telephone, television, radio or computer. There are many new developments in the telecom sector, including the entrance of 3G technology that the Indian market is witnessing at present. Three objectives framed for the study. This study is based on secondary data obtained from the Annual Reports containing the Balance sheet and Profit and Loss Account. It is collected and compiled from PROWESS database of Centre for Monitoring Indian Economy (CMIE) which is reliable and empowered corporate data base. In addition to this supportive data is collected from various books, journals, libraries and news papers. To calculate the growth of the Reliance Telecom ltd., the compound annual growth rate is used. To find out the profitability of Reliance Telecom ltd., the Ratio analysis is used. Statistical tools such as mean, standard deviation, co-efficient of variation, Correlation and t-test are also employed. The present business world is becoming more complex because of its dynamic future. Telecom industry plays a vital role in the overall development of a country. In that case, the management should be more active and efficient in order to overcome the obstacles, which requires effective financial management in order to pinpoint the problems and adopt necessary and relevant steps for the smooth running of the organization.
Keywords: Communication, Growth, Management, Profitability, Reliance, Telecom.
IJMT
ISSN: 2249-1058
Title
A STUDY ON CUSTOMER INVOLVEMENT IN PURCHASE OF HOME APPLIANCE
Author(s)
P. JANAKI
Assistant Professor, Department of Commerce, Sri Krishna Arts and Science College,
S. PREMILA
Assistant Professor, Department of Commerce, Sri Krishna Arts and Science College,
Coimbatore - 641 008.
Coimbatore - 641 008.
IJMT
ISSN: 2249-1058
Consumer behavior is a complex, dynamic, multidimensional process, and all marketing decisions are based on assumptions about consumer behavior. The people consume things of daily use, and buy these products according to their needs, preferences and buying power. These can be consumable goods, durable goods, specialty goods or, industrial goods. Involvement can be viewed as the motivation to process information. To the degree that there is a perceived linkage between a consumers needs, goals, or values, and product knowledge, the consumer will be motivated to pay attention to product information. For this study four objectives are framed. The study was carried out with the sample size of 200 respondents selected based on proportionate random sampling with in Coimbatore city. The data were collected with interview schedule analyzed and were using percentage weighted average score analysis of variances and factor analysis. Thus the study on consumer behavior with respect to involvement helps marketers to understand consumers needs so as to recognize the potential for development of change in consumer requirements. The study concludes by stating that customer involvement and ultimately leads to attitude, attitude guides in achieving desired benefits and that in turn enhances the brand loyalty.
Keywords: Attitude, Behavior, Consumer, Involvement, Loyalty, Marketing,
IJMT
ISSN: 2249-1058
Title
Economic Growth, Corruption and Poverty
Author(s)
Mr. Harsimran Singh

Research Scholar, Department of Economics, Punjabi University Patiala, Punjab.
Dr. Sarbjeet Singh

Assistant Professor, Department of Economics, Punjabi University Patiala, Punjab.
IJMT
ISSN: 2249-1058
Roots of corrupt and disloyal practices can be found in the history of human civilisation. Corruption, in some form or the other, existed since human lives became institutionalised and leader-follower relationship started in an organized manner. In the Indian writings of fourth century B.C. and also in the writings of Greek philosophers like Aristotle and Plato also pointed out some references of corruption. In his famous book entitled Asian Drama: An Enquiry into the Poverty of Nations", Gunner Myrdal wrote- "Corruption puts sand in economic machinery; it is a force slowing down development". Corruption emerges as one of the major blockades to economic development of India. It is most shocking for a country where people get drenched in rain, shivered in winter, and parched in summer for not having proper shelter, and then millions of rupees are siphoned off (Biswas, 2011).
IJMT
ISSN: 2249-1058
Title
A Study on Consumer perceptions and Brand Equity Analysis of MEnS SHIRTS: Foreign Brands Vs Domestic brands.
Author(s)
A. Pughazhendi
Research Scholar (Full Time), PSG Institute of Management (PSG Institute of Technology) Coimbatore 641 004, Tamil Nadu, India.
R. Thirunavukkarasu
Asst. Professor, Management of Studies, Muthayammal Engineering College, Rasipuram- 637 408, Tamil Nadu, India.
IJMT
ISSN: 2249-1058
The present study investigates consumer perception of mens shirts on foreign brand and domestic brand in Coimbatore city. The need to understand the emerging markets and consumers has become big challenge for the corporate world especially in creating and managing a powerful brand. By developing a powerful brand, corporate can establish 'brand equity' and the equity assists firms in variety of ways to manage competition and to maintain market share. Branding is one of the most effective competitive tools and it is a challenging task for the marketer to nurture a brand into a strong, profitable brand. They are everywhere on the TV hoardings, posters and print media. Brands while proclaiming their positive qualities pull down those of their rivals. Intangible assets such as brands, patents and know now have become increasingly dominant elements of company value. Brands are widely recognized as corporate assets but have been historically evaluated based on non financial attributes like awareness, recognition and perceived value. Every marketer instinctively knows that his or her brand is valuable. Brand value is represented by the premium price a company gets at the time of transfer of ownership. However, the value for ongoing business is determined by the important financial term Goodwill. Buying behaviour of men apparels is changing one. Number of people visits the showroom with a brand in mind foreign and domestics brand because the quality and comfort of that brand are suitable for them. It is concluded in the study, that all the demographic factors and purchase pattern factors do not have significant influence on the buyers choice of foreign and domestic brands. An attempt is made in this study to assess the consumer perceptions in respect of mens shirts in foreign brands or in domestic brand.
Keywords: Consumer perceptions, foreign brand, Domestic brand, Brand equity, Mens shirts
IJMT
ISSN: 2249-1058
Title
Applying Knowledge Management in the Life Insurance Industry
Author(s)
Dr. M. Dhanabhakyam Assistant Professor, Department of Commerce, Bharathiar University, Coimbatore- 46
V. Anitha PhD Full Time Scholar, Department of Commerce, Bharathiar University, Coimbatore 46
S. Kavitha M.Phil Full Time Scholar, Department of Commerce, Bharathiar University, Coimbatore 46
IJMT
ISSN: 2249-1058
In the trend of globalization and coordination of banks, insurance and security enterprises, the life insurance industry has been facing tremendous competitive pressure. Business in the era of knowledge economy has realized that efficiently capturing the knowledge embedded in their organizations and deploying it into operations and services will create an edge over their competitors. Though the issues of knowledge management (KM) have been discussed widely, there is a genuine lack of empirical research for the life insurance sector. This study addresses the research gap via extensive literature review and conducting empirical surveys with an embedded qualitative field study among the life insurance enterprises in Coimbatore. The findings revealed that most of the respondents agreed that KM would improve their job performance in enhancing service quality, saving time and being more effective at work and the opinions from senior management played an important role in having KM into place. Nonetheless, there were a majority of the respondents indicated several obstacles in adopting and implementing KM. We also found that the main KM activities conducted among the respondents were sharing, converting and using knowledge. Finally, managerial suggestions and further research directions are provided.
Keywords: Knowledge Management (KM), Innovation Diffusion, Life Insurance Industry Applying Knowledge Management in the Life Insurance Industry
IJMT
ISSN: 2249-1058
Title
MEASURING THE SERVICE QUALITY GAP BETWEEN THE PERCEIVED AND EXPECTED SERVICES IN RETAIL BANKING
Author(s)
Ganesh P
Research Scholar, Anna University, Coimbatore.
IJMT
ISSN: 2249-1058
Today banks have to look much beyond just providing a multi-channel service platform for its customers. With the Phase in which the banking sector is growing, Banks concentrate more on Product designing, Technology advancement, Expanding, Recruitment, etc, forgetting one main factor - Customer Satisfaction/ Expectation. The banking industry is highly competitive, with banks not only competing among each other; but also with non-banks and other financial institutions. Most bank product developments are easy to duplicate and when banks provide nearly identical services, they can only distinguish themselves on the basis of price and quality. Analyzing markets based on customer perceptions, designing a service delivery system that meets customer needs, and enhancing the level of service performance are all pertinent objectives for banks seeking to gain and retain a competitive advantage. Service quality has received much attention because of its obvious relationship with costs, financial performance, customer satisfaction and customer retention. Study was conducted to measure the service gap between the perceived and expected services provided by the retail banks in the top five cities of Tamilnadu. The study confirms that there is significant gap between the customers expected service and perceived service level in retail banking across all service quality dimensions, which leads to dissatisfaction and non-committal approach towards the service provider. A customer is not just money in the cash register. He is a human being with feelings and deserves to be treated with respect. Any business without a focus on customer satisfaction is at the mercy of the market. Without loyal customers eventually a competitor will satisfy those desires and your customer retention rate will decrease.
IJMT
ISSN: 2249-1058
Title
Analysis on Problems of Customers on Mobile Banking Services of ICICI BANK in Tenkasi Taluk
Author(s)
Dr. S. Valli Devasena,

M.Com. M.Phil, B.Ed., PGDCA, Ph.D
Assistant Professor in commerce, Mother Teresa University, Kodaikanal
IJMT
ISSN: 2249-1058
Banking system is the backbone of the economy and Information Technology (IT) in turn has become the backbone of banking activities. Technology, which was playing a supportive role in banking, has come to the forefront with the ever-increasing challenges and requirements. Technology to start with was a business enabler and now has become a business driver. The Banks cannot think of introducing a financial product without IT support. Be it customer service, transactions, remittances, audit, marketing, pricing or any other activity in the Banks, IT plays an important role not to complete the activity with high efficiency but also has the potential to innovate and meet the future requirements. The Banking Sector was early adopter of technology and in that way set an example to the other Industries the need to opt for automation for taking full advantage in operational efficiency.

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International Journal of Marketing and Technology (ISSN: 2249-1058)

TITLE & NAME OF THE AUTHOR (S)

18-19 20-21 22-23

January Volume 2, Issue 1 2012 __________________________________________________________

Dr. SUNIL KUMAR MISHRA

Mr. GARRY TAN WEI HAN

Dr. A. JUSTIN DIRAVIAM

International Journal of Marketing and Technology http://www.ijmra.us 2

January Volume 2, Issue 1 2012 __________________________________________________________

Dr. RAMPRATAP SINGH

Dr. Y. LOKESWARA CHOUDARY

Prof. Dr. TEKI SURAYYA

Dr. A. ARUL LAWRENCE SELVAKUMAR

Mr. GURSEL ILIPINAR

Mr. ZEESHAN AHMED

International Journal of Marketing and Technology http://www.ijmra.us 3

January Volume 2, Issue 1 2012 __________________________________________________________

Editorial Advisory Board

Dr. ROLI PRADHAN

Dr. RAJIV KHOSLA

Dr. (Mrs.) MANISHA N. PALIWAL

Dr. (Mrs.) ARCHANA ARJUN GHATULE

Dr. NEELAM RANI DHANDA

Dr. FARAH NAAZ GAURI

International Journal of Marketing and Technology http://www.ijmra.us 4

January Volume 2, Issue 1 2012 __________________________________________________________

Dr. CH. JAYASANKARAPRASAD

Mr. Ankit Jain

MOID UDDIN AHMAD

Dr. SUNEEL ARORA

Mr. MANISH KUMAR

Mrs. BABITA VERMA

Ms. MONIKA BHATNAGAR

Ms. SUPRIYA RAHEJA

International Journal of Marketing and Technology http://www.ijmra.us 5

January Volume 2, Issue 1 2012 __________________________________________________________

International Journal of Marketing and Technology http://www.ijmra.us 6

January Volume 2, Issue 1 2012 __________________________________________________________ ABSTRACT:

Key words: Culture, tourism, Zimbabwe, ethnicity

International Journal of Marketing and Technology http://www.ijmra.us 7

January Volume 2, Issue 1 2012 __________________________________________________________

International Journal of Marketing and Technology http://www.ijmra.us 8

January Volume 2, Issue 1 2012 __________________________________________________________ ABSTRACT:

International Journal of Marketing and Technology http://www.ijmra.us 9

January Volume 2, Issue 1 2012 __________________________________________________________

Dilip Kumar Pal

International Journal of Marketing and Technology http://www.ijmra.us 10

January Volume 2, Issue 1 2012 __________________________________________________________ Abstract:

International Journal of Marketing and Technology http://www.ijmra.us 11

January Volume 2, Issue 1 2012 __________________________________________________________

ASSESSMENT OF LIBRARY SERVICE QUALITY FROM RESEARCHERS pERSpECTIVE

Ms. Sunil Kumari

Ms. Poonam Khurana

Ms. Madhu Arora

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Dr. Sangeeta Kohli

Dr. Ritu Bhattacharyya

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January Volume 2, Issue 1 2012 __________________________________________________________ Abstract:

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