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The IUP Journal of Information Technology
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. Unlike traditional methods, e-learning creates a holistic and continuous leaning platform for organizations. e-Learning can be very effective in higher education for enhancing teaching and administration. It has the potential to provide access to digital versions of materials unavailable locally, interactive analytic or adaptive tutorials, personalized information and guidance to support learning. It can also provide simulations or modelling of hard-to-understand systems, tools for collaboration with other students and teachers, and above all virtual reality environments. However, e-learning faces several challenges and its effectiveness is degraded due to limited resources as well as high demand for resources. The paper, “Performance-Centric Cloud-Based e-Learning”, by Narayan A Joshi, presents issues in cloud-based e-learning solutions and suggests an architecture thereof to enhance efficiency and performance.

The Internet and World Wide Web have transformed the way we do business today. e-Commerce, as we know, is playing a very significant role in today’s society. It has deep impact on consumer attitudes, expectations and behavior. It provides several advantages over traditional commerce in terms of price, choice, convenience and information-rich decisions. e-Commerce has significantly improved the business processes in terms of customer interaction, personalization and satisfaction. As a result, e-commerce is growing rapidly worldwide. Further, technologies such as software agents and virtual reality have many potential benefits to offer which have resulted in a paradigm shift in e-commerce revolution. The paper, “e-Commerce and Its Structural Development in India: An Analysis”, by G V Chalam and K Siva Nageswara Rao, provides a comprehensive discussion on the genesis of e-commerce in India. Starting from the evolution of various electronic gadgets and communication infrastructures, it depicts the trends of the Internet usage and attempts to describe the structural development of e-commerce as well as applications of e-commerce in different areas of human life.

e-Governance is the use of ICT by various government agencies to reach out to its citizens to disseminate information and extend various services. It results in greater convenience, increased transparency, less corruption and freedom from red-tapism with reduced cost. It also facilitates interaction between various stakeholders in the form of G2G (Government to Government), G2C (Government to Citizen), G2B (Government to Business), and G2E (Government to Employee). The Government of India has formulated the National e-Governance Plan (NeGP) to extend benefits of e-governance to its rural masses through Panchayati Raj Institutions (PRIs). However, the policy faces severe challenges due to lack of participation and awareness among PRIs, bureaucrats and beneficiaries. The paper, “A Framework for Improving e-Services Utilization in Rural Areas”, by Puneet Kumar, Dharminder Kumar and Rajesh Sharma, proposes a framework for enhancing utilization of e-services in rural areas by reengineering the methodology adopted for capacity-building of PRIs and sensitization mechanism.

The paper, “Precursors to Electronic Word-of-Mouth: An Exploration of Factors That Influence Mobile Phone-Related Online Communication Behavior Among
University Students”, by Sumangla Rathore, Avinash Panwar and Jitendra Shreemali, examines if electronic word-of-mouth influences customers’ seeking further opinion on the product/service or their opinion leadership behavior with regard to the product/service. It finds that innovativeness and the Internet usage have a high positive impact on opinion leadership, while the Internet usage and online connection have a greater influence on opinion seeking.

-- 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