Journal of Contemporary Issues in Business and Government

Digital banking services in India plays an important role since 5 years as the customers are looking
beyond the traditional way of banking. Digital banking Services like Electronic Fund
Transfer(NEFT,RTGS,IMPS), UPI, ATM, Cash deposit machine, Mobile Banking Application, Debit
Card, Credit Card are growing exponentially since 2017 due to the several initiative by government like
incentives for customers and merchants, Demonetization, financial inclusion and for customer and traders
own interest and lastly due to Covid-19.This is the reason why most of the commercial banks are trying
to introduce various digital banking services which is paperless and does not require branch visit. Now
the customer can make round the clock money transfer using NEFT/RTGS due to initiative taken by RBI.
Undoubtedly there are many advantages of digital banking, but at the same time, there are challenges to
be addressed by the banker is security to the customers with respect to their personal information and
money. This study aims at providing insight into the various factors that influence for digital banking
service quality and customer perception of services provided by the SBI and HDFC bank in Hyderabad,
India.

Purpose – This study was conducted to find out the impact of emotional
intelligence and collaborative innovation capability on sustainable innovation
performance and to know whether the organizational culture moderates and
employee burnout mediates this relationship or not.
Design/Methodology/Approach –The researcher adopted cross sectional and
quantitative research design to fulfill this study’s objectives. Owing to Covid-
19 pandemic, online survey was conducted through questionnaire for data
collection of 300 employees who are currently working in Telecom Industry of
Pakistan. As a statistical tool, Smart PLS (Partial Least Square) v.3 was run by
adopting the Structural Equation Modeling (SEM) to find out the direct and
indirect effects among the variables while the descriptive statistics were
employed by using SPSS v.20.
Findings – The proposed hypothesized relationship of this study was found
supported wherein positive and significant relationships were found among
organizational culture, emotional intelligence and collaborative innovation
capability on sustainable innovation performance while between the sustainable
innovation performance and employee burnout, a negative relationship was
found.

Millenary we are seeing the world changing for the second time. There was diversity before 9/11
and it changed the complete picture of demographical status, socio-economic condition, and
social movement. There might be a global change again after COVID-19. In this pandemic
where the people already suffering from socio-economic inequality, if we exaggerate the
students‟ perspectives and they found that online learning couldn‟t produce desired results in
underdeveloped countries like Pakistan, where most of the students are unable to access the
internet due to technical as well as financial issues. Accordingly, the quick speed of COVID- 19
became a big challenge for the massive number of the students to get the lecture of courses
offline in the classrooms. Moreover, due to the ripped spread of Covid-19 created an E-learning
environment where the instruction of online network system to enhance the quality of teaching
and learning to manage their provided contents accurately and managed their online classes and
courses.The research objectives of the present papers contain with, to investigate the awareness
of Covid-19 in university students, socioeconomic status of students, the problems faced by
students in the pandemic, the curriculum satisfaction of students, the experience of online classes
on students, and the lack of internet resources in students.

Socio-cultural changes taking place around the world require the
study the trends in the philosophical of the world. Advances in science and
technology have made it possible for humanity to discover aspects of the scientific
landscape that are unknown to mankind. From time immemorial, esotericism has
been viewed as a mysterious, unique form of knowledge that stands alongside
scientific, religious, and everyday forms of knowledge. The emergence of esoteric
knowledge and teachings on the world stage as a result of the crisis of sociocultural
life, the deformation of society in the spiritual and cultural sphere, the
development of esoteric ideas after the crisis of traditional religious teachings can
be the basis for scientific research.

Values, both from the perspective of functional features and from the perspective of
sub stantional essence, are the overarching phenomena that are important for humans, their lives,
and activities. Therefore, some researchers and authors look for values from everywhere, even
from myths, fairytales, and folklore. We think that approaching the problem in such a wide scope
leads to the widening of the topic and sphere of the research to an unproductive degree. If the
study of values are the objects of the axiology, then its research sphere must also be limited.

This article focuses to explore the composition of “Knowledge Management” of IT professionals in Bengaluru city. The article applies data reduction technique using EFA and Simple Linear Regression on a sample of 317 IT professionals and reduces a set of 13 variables converted into three factors. The current research proposes a model of the impact of Management Support for Knowledge Application on Project Knowledge Application and Project Knowledge Application on effective Knowledge Management in the IT industry. The results proved that Management Support for Knowledge Application is significantly impacting on Project Knowledge Application and Project Knowledge Application significantly impacting on effective knowledge management. Hence, the HR managers of IT companies’ can improve the knowledge management of IT professionals.

This research article aims to “To measure the impact of human resource practices determinants on
employee performance in IT industry”. The paper applies data reduction using Exploratory Factor
Analysis (EFA) on a sample of 312 respondents drawn from 6 IT companies in the Bangalore city
and condenses a set of 22 statements converted into a five human resource practices determinants.
The present study proposes a model of the impact of human resource practices determinants on
employee performance. The study found that compensation, recruitment and selection, training &
development, performance appraisal and promotion are impacting significantly the employee
performance. Therefore, IT companies should focus on the above factors to enrich human resource
practices determinants. The study investigated the impact of determinants of HR practices on
employee performance in IT industry concluded that compensation had the highest impact on the
employee performance followed by recruitment and selection, training & development,
performance appraisal and promotion.

The Covid-19 pandemic has spread to various countries, including Indonesia. As a result,
almost all sectors experienced contraction, including Islamic banking. However, Islamic
banking is considered quite capable of surviving this impact based on the empirical
facts of the previous crises. The purpose of this study is to analyze how the performance
of employees in Islamic banking during the Covid-19 pandemic. In this case, Islamic
banking is required to be able to develop even though it is during the Covid-19
pandemic. This research was conducted in Islamic banking companies, especially in
West Java. The sample used is employees who have worked for a minimum of two
years using nonprobability sampling techniques. The analytical tool used is Structural
Equation Modeling (SEM). By conducting this research, it is hoped that it will be able
to contribute to the company with policies as an effort to manage Islamic banking
employees during the Covid-19 pandemic in order to stick to the guidelines of the
Koran and Hadith and to contribute to existing knowledge.

Since the early 2000s, the phrase "social capital" has been widely explored. The origin of social
capital can be can be traced back to 1867 and 1900, when Karl Marx and John Dewey adapted it
to fit into a societal context. Intoday’s world, there is an increased appreciation for the
importance of social capital and entrepreneurship.The commercial diversification that India
possesses, in particular, makes it accountable to utilize social capital. As a result, this research
focuses on how social capital influences MSME entrepreneurial performance, taking into
account several dimensions of social capital as well as MSME performance. Data was obtained
from 390 MSME's in South India using structured questionnaires and analyzed using SPSS and
the Structural Equation Modelling (Amos) approach, and it was discovered that social capital
dimensions and entrepreneurial performance have a strong association.

In performance management individuals share their understanding of contribution to an
organizationsgoal. The basic purpose of this paper is to understand whether employees are able
to understand suppositions of management or if there is any discrepancy in doing the same. The
paper also aims to describe how performance management forms a tool for creating a high
performancework culture. This researchpaperfocuses on the impact of performancemanagement
on employee and their individual growth. Finally it tells how organizationcan give better work
environment to employees so that they become productive. It also talks about how important
performance management is supposed to be understood by both management and employees so
that there is clarity in their expectations. Thus it is very important for an organization to see to it
that a high performance work culture is created for growth of the organization.
In the present world where competition is too high, it is prominent for a company to concentrate
on the skill set of employees so that progress of the employees can be tapped into. A greater
responsibility lies on the management of the organization to create a high performance
workenvironment so that employee’s progress and finally the organizational objectives are
achieved.
The study also concentrates on making the organization understand where it is lacking in terms of
giving the best of the employees. It helps create transparency where both employee-employer
expectations are brought to light for the betterment of the organization in terms of performance.

The main purpose of this research study is to find the impact of workplace bullying on
turnover intentions of the staffs which are the major problems in hospitals and have
enormous destructive consequences and rumination increases this phenomenon both
ways. This model presents the effect of workplace bullying results on turnover
intentions as mediated by employee‟s rumination. The technique applied for the
accumulation of data from 270 personnel was convenience sampling technique, for
further aid, adopted questionnaires were used which consisted on the measurement of
5 points Likert scale for each variable. To fulfill the criteria of data analysis,
reliability, correlation, and regression were used as statistical tools. Results
demonstrate that the relationship between Workplace Bullying and turnover intentions
is affirmative and noteworthy. As signified by the results employee rumination role
was also conciliatory between Workplace Bullying and turnover intentions.

The evolution of society has attracted positive changes in all fields of activity, implicitly in
agriculture, but at the same time the increase in productivity in agriculture has also come with
negative consequences, as they have significantly increased the use of fuel for agricultural
machinery, electricity for automatic systems. In addition to providing safe and nutritious
food, organic production is considered sustainable and protects natural resources and the
health of consumers.
In this context, the main objective of the research is to analyse the current state of organic
food on the Romanian market compared to the European Union by taking into account the
main aspects of the market, to identify its weaknesses, challenges and opportunities. For these
reasons, we believe that the chosen topic is current, the research team thus assuming an active
role in participating in campaigns to promote and inform consumers about the benefits of
consuming organic products.

Academics are not immune to workplace bullying. Several studies show that academic
institutions have a higher rate of bullying than other organizations the overall nature of bullying's
effects showsthat the victim, the people surrounding him or her, and the organization all suffer or
are unable to function as effectively as previously. (Keashly and Jagatic 2011).The study
investigated the impact of workplace bullying (WPB) on the university environment (UE) and the
mediating function of the UE with the relationship between WPB and teacher self-efficacy (TSE). Survey
data were obtained from 665 University faculty members from Pakistan.The proposed relationships were
evaluated using SMART-PLS structural equation modeling.Significant impact of WPB on UE and TSE
was found in this study.In addition, the study found that UE has a considerable impact on TSE, while
WPB has an indirect impact on TSE through UE.The study is significant since there is a dearth of
workplace bullying research in Pakistani universities. A very little research has been done on the effect of
workplace bullying as a key indicator of university environment and research on the effect of university
environment on self-efficacy of the teachers.This study is one of the first attempts to evaluate the
relationship between WPB, UE, and TSE.This study has essential practical consequences for practitioners
in higher education since it contains important information about the relationship between the university
environment, teacher self-efficacy, and workplace bullying incidents.

E-WOM refers to ''''''''Electronic Word of Mouth,'''''''' which works to gather the reviews of the
consumers who are buying and shopping goods online. In the last decade, there has been a
surge in online shopping and the e-purchase of various goods and products. Review
consensus gives a source of trust and faith for the online buyer who is buying a product by
seeing its images without any physical interaction or communication with the seller. Fewer
and less comprehensive reviews systems fail to give the online buyer and consumer an
accurate product picture. Therefore, an extensive collection of detailed and informative
reviews is needed to sell most online products. In the present day, there are 328 online buyers
of goods and services, which is rapidly increasing each day. So, the importance of Review
Consensus on e-WOM and consumer goods e-purchase satisfaction is paramount. One
hundred twenty-nine respondents were collected through a "standard questionnaire" created
on a five-point interval scale.

Monetary mediators emerge from monetary erosions such as data imbalances and financial
powers, economies of scale, and extension. These gratings and forces also shape the market
structure. While mechanical advancements are nothing new, computerized development has seen
significant advancements in the network of frameworks, calculating power and cost, and newly
created and useable data. These improvements have reduced trade costs while also introducing
new strategies and competitors. The creation of money-related groups could be disaggregated as
technology has improved information transmission and reduced trade costs. Money-related
organizations have been unbundled by explicit participants, allowing consumers to select and
assemble their preferred set-ups of items. Regardless, in a period of automated creation,
admirable money-related abilities remain vital. In the many designs of money-related
organizations, such as customer acquisition, finance, consistent activities, data, and capital,
economies of scale and degree and association impacts are available (counting trust capital).
Despite technological advancements, client appearances and party charges remain basic.

Advanced promoting is one of the most prominent showcasing approaches organizations utilize
explicitly through web-based media and e-mail advertising. On top of their convenience and
power, online media and e-mail advertising have been observed to be exceptionally compelling
in building client commitment. This component decides the commonness of clients' buy goal.
For the most part, computerized showcasing instruments empower organizations to advance their
items quickly, just as assemble client connections at lower costs, leading to expanded deals
volume. Digital Marketing is another period of promotion in the 21st century. With the
progression of time, it is noticed that organizations are moving from the conventional market to
the advanced promoting, and the computerized market has caught a more extensive space of
market in the metropolitan regions. Computerized advertising gives the purchasers all the more
promptly accessible data, making it a more secure choice than conventional. However, it is a
profoundly aggressive region, yet it utilizes computerized advancements, which decreases cost
and helps grow business worldwide. With progression in innovation and a significant upswing in
utilizing the web, computerized advertising can help organizations understand clients' conduct.
This examination study portrays the effect of automatic promotion on buyer dynamics.
Information has been gathered from different wellsprings of proof, including different books,
sites, and diaries. The paper depicts the job of computerized showcasing in this advanced world
and reasons that it is a powerful instrument in buyer dynamic which also works on the
hierarchical efficiency and helps catch more ample space of the market. Hence advanced
showcasing can affect the shopper dynamic, empowering the evaporating of the stock market
from the severe world. One hundred twenty-two respondents were collected through a "standard
questionnaire," created on a five-point interval scale.

The tsunami of 4G technology and the evolution of revolutionary 5G on the horizon has changed
the way people use their mobile-phones. The high speed and availability of internet to the common
person has led the companies compete to find their place on the users‟ mobile phone screens. The
trust of the consumers seems to be a pivotal factor when it comes to making financial investments
online using smart-phones applications. More than fifty financial companies are providing the
services of financial investments including mutual funds, IPOs, secondary share market, life
insurance, general insurance, debt instruments, corporate and bank deposits, recurring deposits,
bank services, central gold schemes, etc. The focus of theresearch study is to observe the impact of
trust as a factor in the usage attitude of investors for app based investments. This primary research
was carried out among the young and earning, mostly are regular users of mobile phone apps as an
faster alternative to financial investments. A total of 250 questionnaires were distributed for the
study and random sampling technique was used in the study. Thisstudy confirms that trust plays an
important role and have a positive relationship with the attitude when it comes to financial
investments. The conceptual framework adopted from Keng and Ting model (2009), establishing
relationship of aesthetic; playfulness; service excellence and consumer return-on-investment
(CROI) to usage-attitude. This study adopts the established-model by „Christine Ennew‟ and
„Harjit Singh Sekhon‟ (2007) „Measuring trust in financial services: the trust index‟.

The employees of various organizations, especially employees working in IT companies have to
spend time under heavy pressure of conflicting demands and work situations. They perform
managerial functions under very compelling situations. This leads to anxiety and stress. It is
evident that challenges are posed by the changing business scenario, which forces upon the IT
employees to perform their task under compelling situations. Information Technology
professionals need to take responsibility for maintaining the necessary balance in their lives by
addressing these workplace stressors. Once the stressors are identified by the individual, a
commitment must be made to work on easing this stress. Generally Information Technology
employees are found to have various causes of stress like, heavy workload and its concomitant
time pressures and unrealistic deadlines; what must be accomplished on the job and what the
manager would like the employees to accomplish; the general organizational political climate;
and lack of feedback on job performance

According to this study, the agriculture industry of Pakistan's eco-efficiency trend and decoupling status between 2001 and 2018 will be examined. As a result, the agricultural sector's impact on resources and the environment has been evaluated. Cropped area, fertilizer use, pesticide imports, and tractor output are proxies for resource use. Agricultural emissions are used as an environmental proxy. Farm output and emissions were estimated based on the World Bank and FAO data. However, there are some other indicators in the Pakistan Economic Survey 2019-20. Therefore, eco-efficiency and the Tapio Decoupling Elasticity Index, two novel approaches, were used in the analysis. Across the board, the results of the eco-efficiency studies show a rise in eco-efficiency. Despite this, the results of the decoupling research show that the indicators used in the study reveal scattered decoupling states throughout separate periods. Signs of severe decoupling, expensive negative decoupling, and weak decoupling are seen regularly. Increasing Pakistan's agricultural eco-efficiency and decoupling may be possible via new technology, modern farming practices, and sound resource management. However, farmers' education and awareness campaigns might be crucial to get the most out of available resources

This research article aims “To measure the impact of training and development attributes on organizational productivity.” The paper applies data reduction using Reliability Test, Exploratory Factor Analysis and Multiple Linear Regression on a sample of 328 respondents drawn from 5 IT companies in the Chennai and condenses a set of 12 training and development statements converted into a two factors. The present study proposes a model of the impact of employee training and development on organizational productivity of IT companies. The present study proposes a model of the impact of employee training and development on organizational productivity of the IT companies. The study found that training and developments are impacting significantly the organizational productivity of the IT companies. Therefore, IT people should focus on the above factors to provide enrich employee training and development. The study investigated the impact of employee training and development on organizational productivity of the IT companies, concluded that employee training and developments are impacting significantly the organizational productivity of the IT companies.

An improvised helmet design which is integrated with a circuitry for automatic rain sensing mini wiper located on the eye shield. The presence of a automatic helmet wiper will make two wheeler riding easier and safer in rainy season, since the driver won't be bothered by the continuous rain drops disturbing his/her vision. The wiper will automatically start as soon as it detects the presence of rain drops on the rain sensor mounted on the top of the helmet. This makes the rider to drive safety in the rain.