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The IUP Journal of Information Technology

Jun'14
Focus

Information and Communication Technology (ICT) is a powerful tool in the field of education. It has the power to transform learning by widening the learning horizon and enabling students to learn anywhere, anytime and anyhow.

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Performance-Centric Cloud-Based e-Learning
e-Commerce and Its Structural Development in India:
An Analysis
A Framework for Improving e-Services Utilization in Rural Areas
Precursors to Electronic Word-of-Mouth: An Exploration of Factors That Influence Mobile Phone-Related Online Communication Behavior Among University Students
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Performance-Centric Cloud-Based e-Learning

-- Narayan A Joshi

Advancements in information technology have enhanced its usage in many areas of society, including the education sector. The e-learning paradigm is widely accepted by the online learning community and the education providers across the world. However, factors like limited availability of infrastructural resources, increasing demands for resources, time, space and cost constraints have resulted in their performance degradation which has led them to trivial access only. Implementation of integrated cloud-based e-learning environments may result in solutions which may be of use to the increasing number of online learners and their increasing instantaneous demands for computing resources. This paper presents the issues concerning the implementation of cloud-based e-learning solutions and suggests an efficient and performance-centric architecture of mutually teamed up community e-learning cloud environments.

e-Commerce and Its Structural Development in India: An Analysis

--G V Chalam and K Siva Nageswara Rao

India has been implementing liberalization, globalization and privatization policies since 1991. Following these policies, the banks/financial institutions have taken advantage of liberalization and technology has become cheap, and customers are getting better quality services. Though India ranks third in the world in the number of Internet users, the percentage of the users compared to the population is not remarkable. However, in recent years, there has been an increase in the availability of state-of-the-art technological devices and communication gadgets in India. Against this background, in this paper, an attempt has been made to discuss the evolution of various electronic gadgets and structural development of e-commerce. The paper also explains the trends of Internet usage and the role of India in the global market. Finally, the paper analyzes the applications of e-commerce in different areas of human life.

A Framework for Improving e-Services Utilization in Rural Areas

--Puneet Kumar, Dharminder Kumar and Rajesh Sharma

The Indian rural society is infested with problems like illiteracy, poverty, lack of awareness, etc., and to eradicate such problems an attempt has been made by the Government of India in the form of 73rd Constitutional Amendment Act which strongly affirms the establishment of Panchayati Raj Institutions (PRIs). The PRIs comprise elected representatives from rural vicinity, who can understand local demands and problems. The government has initiated various rural development programs which encompass keen involvement of PRIs and bureaucracy for their success. In the year 2006, the government approved National e-Governance Plan (NeGP) for computerization of high priority mundane tasks. As a result, numerous e-governance applications were designed for imparting various types of services to people in their own vicinity. But a majority of applications have not attained the intended success. The e-services, especially in rural areas, were hampered by the lack of participation and awareness among PRIs, bureaucrats and beneficiaries. This paper proposes a prototype for enhancing utilization of e-services in rural areas by reengineering the methodology adopted for capacity building of PRIs and sensitization mechanism. It also includes the feedback mechanism for beneficiaries. The paper encompasses the formal mathematical representation of the framework which gives an impeccable idea about the boundaries of the framework and the impact of various parameters in enhancing e-services utilization, and assists in the development of ontologies for the framework.

Precursors to Electronic Word-of-Mouth: An Exploration of Factors That Influence Mobile Phone-Related Online Communication Behavior Among University Students

--Sumangla Rathore, Avinash Panwar and Jitendra Shreemali

The present study focuses on customer-sharing of information on mobile phones. The data for the study was collected through administering a structured questionnaire to a group of University students living on the same campus in the city of Udaipur in Rajasthan. The survey instrument included a variety of measures that assess the innovativeness, involvement, Internet usage and online connection of the communicators. Based on the impact of various factors, electronic Word-of-Mouth (WOM) was examined in terms of customers seeking further opinion on the product/service or becoming opinion leaders on the product/service. It was observed that innovativeness and Internet usage have a high positive impact on opinion leadership and Internet usage and online connection have a greater influence on opinion seeking. It was further noticed that opinion seeking or opinion leadership are not mutually exclusive outcomes, but in fact, influence each other, suggesting that the online behavioral outcome falls on a continuous spectrum and mutually interact with each other in a continuous fashion.

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Automated Teller Machines (ATMs): The Changing Face of Banking in India

Bank Management
Information and communication technology has changed the way in which banks provide services to its customers. These days the customers are able to perform their routine banking transactions without even entering the bank premises. ATM is one such development in recent years, which provides remote banking services all over the world, including India. This paper analyzes the development of this self-service banking in India based on the secondary data.

The Information and Communication Technology (ICT) is playing a very important role in the progress and advancement in almost all walks of life. The deregulated environment has provided an opportunity to restructure the means and methods of delivery of services in many areas, including the banking sector. The ICT has been a focused issue in the past two decades in Indian banking. In fact, ICTs are enabling the banks to change the way in which they are functioning. Improved customer service has become very important for the very survival and growth of banking sector in the reforms era. The technological advancements, deregulations, and intense competition due to the entry of private sector and foreign banks have altered the face of banking from one of mere intermediation to one of provider of quick, efficient and customer-friendly services. With the introduction and adoption of ICT in the banking sector, the customers are fast moving away from the traditional branch banking system to the convenient and comfort of virtual banking. The most important virtual banking services are phone banking, mobile banking, Internet banking and ATM banking. These electronic channels have enhanced the delivery of banking services accurately and efficiently to the customers. The ATMs are an important part of a bank’s alternative channel to reach the customers, to showcase products and services and to create brand awareness. This is reflected in the increase in the number of ATMs all over the world. ATM is one of the most widely used remote banking services all over the world, including India. This paper analyzes the growth of ATMs of different bank groups in India.
International Scenario

If ATMs are largely available over geographically dispersed areas, the benefit from using an ATM will increase as customers will be able to access their bank accounts from any geographic location. This would imply that the value of an ATM network increases with the number of available ATM locations, and the value of a bank network to a customer will be determined in part by the final network size of the banking system. The statistical information on the growth of branches and ATM network in select countries.

Indian Scenario

The financial services industry in India has witnessed a phenomenal growth, diversification and specialization since the initiation of financial sector reforms in 1991. Greater customer orientation is the only way to retain customer loyalty and withstand competition in the liberalized world. In a market-driven strategy of development, customer preference is of paramount importance in any economy. Gone are the days when customers used to come to the doorsteps of banks. Now the banks are required to chase the customers; only those banks which are customercentric and extremely focused on the needs of their clients can succeed in their business today.

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