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The IUP Journal of Information Technology
Focus

Information Technology (IT) plays an increasingly significant role in our daily
lives. It has been transforming the technological, economic, political as well as
social landscapes. Business houses have embraced Information and Communication Technology (ICT) to deliver their products and/or services in a timely and cost-effective manner. Their business processes have been increasingly transformed from manual to automated ones. As a result, they gain competitive advantage, ensure customer satisfaction and manage customer attrition. During the last decade, the governments have also recognized the potential of IT to improve governance, facilitate citizen-to-government interactions and serve citizens better. Consequently, e-governance initiatives have been increased manifold in recent years. e-Governance has evolved from one-way posted contact and program/policy information dissemination to citizens interacting and transacting with government. e-Governance claims increased transparency and efficiency in government policies, programs and service delivery. It also enhances citizens’ participation and trust in democracy. However, implementation of e-governance initiatives is a major challenge particularly in a country like India, where two-thirds of the population lives in villages that inherently inflicts several hurdles such as digital divide and technical illiteracy among others. The paper, “A Conceptual Framework for Improving the Efficacy of e-Governance in Rural Areas: An Indian Perspective”, by Puneet Kumar, Dharminder Kumar and A K Sharma, proposes a framework that harnesses cloud computing and mobile technology to deliver cost-effective but improved services to citizens. The authors, based on various case studies, claim that the proposed framework can cope with the challenges in rural areas while delivering e-services effectively.

The paper, “The Challenges Posed by Information Technology to Secretaries: A Study with Reference to Federal Polytechnic, Bida, Niger State, Nigeria”, by Johnson Adegbenga Ajiboye, Mary Adebola Ajiboye and Juliet Omozokpia, seeks to find out the impact of ICT on secretarial profession. The study finds that use of computers has enhanced secretarial efficiency and made the job pleasurable and attractive. It has increased the productivity of a secretary as well as the speed and accuracy of her work. Technology has broadened the scope of a secretarial job from the derogatory appendage status to an independent member of the organization, information officer, manager and a custodian of organizational information reservoir. The study also reveals that most of the secretaries lack the required skills of ICT to cope with the modern automated office. Thus, the study recommends revision of the curriculum of secretarial studies to accommodate ICT which enriches secretarial profession and provides additional career opportunities for secretaries.
Over the years, organizations have religiously relied on the traditional enterprise data stored in relational databases to mine business intelligence. Recently, the nontraditional, less-structured data from sources such as weblogs, e-mails, social media and sensors has drawn ample attention and is considered as a potential treasure trove for business intelligence analysis. The paper, “Big Data Analytics: Applications and Benefits”, by K V N Rajesh, provides an overview of this useful data and its applications.

Phishing is an identity theft to steal sensitive information on the Internet with malicious intention. The menace of phishing is growing, although several measures have been suggested to combat it. The paper, “Seclayer: A Plugin to Prevent Phishing Attacks”, by Ayush Ghosh, describes an anti-phishing plugin that detects malicious websites with more accuracy.

-- A C Ojha
Consulting Editor

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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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Information Technology