IOSR-JBM   Volume-28 ~ Issue-4 ~ April 2026

Abstract: Background of the Study: Financial inclusion has emerged as a major policy priority in rural India, where access to formal financial services remains constrained by distance, low digital literacy, limited awareness, and affordability barriers. Although several policy initiatives have expanded the reach of banking services, meaningful inclusion depends not merely on account ownership but on sustained and practical access to usable financial services. In this regard, India Post Payments Bank (IPPB), through its doorstep digital banking services delivered via the......

Keywords:India Post Payments Bank, Doorstep Banking, Financial Inclusion, Rural Households, Bangalore Rural District, Digital Banking, Awareness, Accessibility, Affordability, Adoption, Rural India, Postal Network.

[1]. Bhasme, A., & Karthikeyan, K. (2025). Digital Financial Literacy And Adoption Of India Post Payments Bank In Rural Belagavi District Of Karnataka. Primax International Journal Of Commerce And Management Research. Https://Doi.Org/10.34293/Pijcmr.V13i2.2025.005
[2]. Miyan, R., & Mishra, A. K. (2025). Digital Banking And Financial Inclusion: An Empirical Study Of Rural India. IOSR Journal Of Business And Management. Https://Doi.Org/10.9790/487x-2706125359
[3]. Neltje, C., Rotinsulu, M., Murniati, S., Kunci, K., & Abstra, K. (2025). Financial Inclusion Through Digital Banking: Bridging The Gap For Underserved Communities. Journal Of Economics And Management Sciences. Https://Doi.Org/10.37034/Jems.V7i3.97
[4]. Shaw, M., & Riyat, S. (2025). Challenges In Implementing Digital Banking Services In Rural Areas: A Study In The Indian Context. Economic Sciences. Https://Doi.Org/10.69889/Mk0nv090
[5]. Tejasmayee, P., Gautam, R., Khurana, A., & Rastogi, S. (2025). Empowering Rural Prosperity: Unleashing The Impact Of Financial Inclusion Via Post Office, Post Payments, And Regional Rural Banks. NMIMS Management Review, 33, 115–127. Https://Doi.Org/10.1177/09711023251338105

Abstract: In the era of modernization and globalization online marketing is a great revolution. Over the last few years maximum business institutions are running with technological transition. Internet shopping or marketing is making the use of technology (i.e., computer) for better & efficient marketing performance. Online shopping is considered to be the new normal in this present world. Evaluating the customer's attitude and perception towards internet shopping.....

Keywords:Online Marketing, Internet Shopping, Customers’ attitude, Customer perception,

[1]. Andrew, J. R (2004). A Typology Of Online Shoppers Based On Shopping Motivations, Journal Of Business Research Vol. 57 PP. 748–757
[2]. Amit, B. Sanjoy (2004). A Latent Class Segmentation Analysis Of E-Shoppers, Journal Of Business Research. Vol.57, PP.758-767.
[3]. Boudraeu, M.C And Watson R.T (2006). “Internet Advertising Strategy Alignment” Internet Research. Vol.16 (1), PP.23-37
[4]. Cho And Jinsook. (2004). Likelihood To Abort An Online Transaction: Influences From Cognitive Evaluations, Attitudes, And Behavioural Variables. Information & Management, Vol.41, PP. 827- 838.
[5]. Creswell, J. (1994) Research Design: Qualitative And Quantitative Approaches, London Press: Sage.
[6]. Michael, R.S. Gary, B. Soren, A (2006). Consumer Behaviour: A European Perspective, Financial Times/ Prentice Hall
[7]. Gautam, B. (2004). The Impacts Of Quickness, Price, Payment Risk, And Delivery Issues On On-Line Shopping, Journal Of SocioEconomics, Vol.33, PP.241–25.

Abstract: Background: This study examined the influence of board structure on long-term financial performance of life insurance companies in Zambia, motivated by recent corporate failures highlighting governance deficiencies. Materials and methods: Using a quantitative research approach with descriptive and correlational design grounded in Agency Theory, Stewardship Theory, and Resource Dependence Theory, data were collected from 97 respondents (92.38% response rate) representing governance personnel across life insurance companies in Zambia through struc.......

Keywords:

[1]. Abebe, M. & Dhaliwal, H. (2024). Corporate Governance And Insurance Risk: Evidence From Ethiopian Insurance Companies. African Journal Of Economic And Management Studies, 15(2), 234-251
[2]. Adams, R.B. & Mehran, H. (2023). Board Structure And Banking Firm Performance: A Synthesis Of Recent Evidence. Journal Of Financial Economics, 147(2), 287-312.
[3]. Aguilera, R.V. & Ruiz-Castillo, C. (2025). Corporate Governance In Emerging Markets: A Multilevel Analysis. Academy Of Management Review, 50(1), 123-149
[4]. Donaldson, L. & Davis, J.H. (1991). Stewardship Theory Or Agency Theory: CEO Governance And Shareholder Returns. Australian Journal Of Management, 16(1), 49-64
[5]. Goyal, K. & Gulati, R. (2025). Board Characteristics And Firm Performance: Evidence From Indian Insurance Companies. International Journal Of Managerial Finance, 21(1), 89-112..

Abstract: Artificial Intelligence (AI) has become an important part of modern day marketing, especially when combined with other technologies like Augmented Reality (AR) and Virtual Reality (VR). These technologies are helping multiple brands create interactive and personalized experiences for the consumers. While improving the customer engagement and decision-making, they are also raising serious concerns about data privacy, ethical aspects of data collection and usage, and consumer trust. This study attempts to understand how consumers respond to AI-driven AR/VR.......

Keywords: Artificial Intelligence (AI), Augmented Reality (AR), Virtual Reality (VR), Immersive Marketing, Data Privacy, Consumer Trust.

[1]. Brown, W., Wilson, G., & Johnson, O. (2024). Understanding Consumer Perceptions Of Virtual Reality In Marketing.
Https://Doi.Org/10.20944/Preprints202408.0364.V1
[2]. Chylinski, M., Heller, J., Hilken, T., Keeling, D. I., Mahr, D., & De Ruyter, K. (2020). Augmented Reality Marketing: A Technology-Enabled Approach To Situated Customer Experience. Australian Marketing Journal,28(4), 374-384.
Https://Doi.Org/10.1016/J.Ausmj.2020.04.004
[3]. Huang, T. L., Mathews, S., & Chou, C. Y. (2019). Enhancing Online Rapport Experience Via Augmented Reality. Journal Of Services Marketing, 31(7), 851–865. Https://Doi.Org/10.1108/JSM-12-2018-0366
[4]. Lombart, C., Millan, E., Normand, J.-M., Verhulst, A., Labbé-Pinlon, B., Moreau, G., & Labbé, B. (N.D.). Consumer Perceptions And Purchase Behaviour Toward Imperfect Fruits And Vegetables In An Immersive Virtual Reality Grocery Store.
Https://Doi.Org/10.1016/J.Jretconser.2019.01.010ï
[5]. Madhavedi, S., Marissa Madzri, Hoo, W. C., Suhud, U., & Allan, M. (2025). Factors Influencing The Effectiveness Of Social Media Influencers On Consumer Purchase Intentions: A Study On Apparel And Footwear Fashion Marketing In Malaysia. International Journal Of Innovative Research And Scientific Studies, 8(2). Https://Doi.Org/10.53894/Ijirss.V8i2.5291.

Abstract: Small and medium-sized enterprises (SMEs) are vital to regional economies but they face growing pressure to innovate with limited local resources. This paper develops an integrated Localized Innovation Systems (LIS) framework that brings research on clusters, incubation and entrepreneurship together to explain how SMEs upgrade on tight budgets. The model highlights four linked elements: formal networks (incubators and business associations), informal networks built on mentorship and peer ties, shared spaces (co-working areas and labs), and local institutions.......

Keywords: Localized innovation systems, SME competitiveness, Cluster dynamics, Business incubation, Shared infrastructure

[1]. Babin, A., Ciloci, R., & Davydenko, N. (2025). Perspectives Of Sustainable Development Of Cluster Organizations Through Internationalization And Dual Use. Smart Cities And Regional Development (SCRD) Journal, 9(3), 99–120.
Https://Doi.Org/10.25019/0hbtp367
[2]. Bărbulescu, O., Nicolau, C., & Munteanu, D. (2021). Within The Entrepreneurship Ecosystem: Is Innovation Clusters’ Strategic Approach Boosting Businesses’ Sustainable Development? Sustainability, 13(21), 11762. Https://Doi.Org/10.3390/Su132111762
[3]. Bawa, S. (2025). From Survival To Growth: Unleashing Entrepreneurial And Small Business Development Through Innovation In Sub-Saharan Africa. Growth And Change, E70076. Https://Doi.Org/10.1111/Grow.70076
[4]. Bensaadi, D., & Bougaba, O. (2025). The Role Of Industrial Clusters In Enhancing Innovation: The Biotechnology Experience In Germany. Journal Of Contemporary Economic Studies, 8(2), 406-425.
[5]. Bhargava, P. (2025). Founding India’s Barefoot Unicorns: A Policy Framework For MSME Incubation, Acceleration, And Massive Job Creation. MPRA Paper No. 125726.

Abstract: This research examines strategies for leadership in the adoption of AI within multigenerational working environments in China. Given the challenge presented by different generations in technology acceptance, a qualitative multiple-case study method has been adopted for this research work in order to examine how leadership, organizational culture, and trust influence the development of AI acceptance in two organizations: one in manufacturing.......

Keywords: Leadership, Artificial Intelligence (AI), Multigenerational workplaces, Technology acceptance, Organizational culture

[1]. Ali, M. H., Hamdan, A., & Alareeni, B. (2021). The Implementation Of Artificial Intelligence In Organizations’ Systems: Opportunities And Challenges. The Importance Of New Technologies And Entrepreneurship In Business Development: In The Context Of Economic Diversity In Developing Countries: The Impact Of New Technologies And Entrepreneurship On Business Development, 153-163.
[2]. Alyoussef, I. Y. (2022). Acceptance Of A Flipped Classroom To Improve University Students’ Learning: An Empirical Study On The TAM Model And The Unified Theory Of Acceptance And Use Of Technology (UTAUT). Heliyon, 8(12).
[3]. Asatiani, A., Malo, P., Nagbøl, P. R., Penttinen, E., Rinta-Kahila, T., & Salovaara, A. (2021). Sociotechnical Envelopment Of Artificial Intelligence: An Approach To Organizational Deployment Of Inscrutable Artificial Intelligence Systems. Journal Of The Association For Information Systems, 22(2), 325-352.
[4]. Ashri, R. (2019). The AI-Powered Workplace: How Artificial Intelligence, Data, And Messaging Platforms Are Defining The Future Of Work. Apress.Torre, T., & Sarti, D. (2020). The “Way” Toward E-Leadership: Some Evidence From The Field. Frontiers In Psychology, 11, 554253.
[5]. Benbya, H., Davenport, T. H., & Pachidi, S. (2020). Artificial Intelligence In Organizations: Current State And Future Opportunities. MIS Quarterly Executive, 19(4)..

Abstract: This study investigates the motivational drivers of genealogy tourism among the Bangladeshi diaspora in the United States by integrating push–pull theory, place attachment theory, and social identity theory. Adopting a mixed-method approach, data were collected through a structured survey (n = 160) and 25 semi-structured interviews. Quantitative data were analyzed using SPSS, while qualitative data were examined through thematic analysis.......

Keywords: Genealogy tourism; Diaspora tourism; Nostalgia; Cultural identity; Place attachment; Travel intention; Bangladesh

[1]. Ashforth, B. E., & Mael, F. (1989). Social Identity Theory And The Organization. Academy Of Management Review, 14(1), 20–39.
[2]. Avi, M. A. R., Muneem, A. A., & Rahman, M. S. (2020). Tourism Policy And Planning In Bangladesh: Challenges And Prospects. In M. A. R. Avi & A. A. Muneem (Eds.), Tourism Policy And Planning In Bangladesh (Pp. 231–248). Springer.
Https://Doi.Org/10.1007/978-981-15-7014-8_16
[3]. Avi, M. A. R., Muneem, A. A., & Uddin, M. T. (2020). Reaching The Stakeholders: Social Media And The Administration Of Tourism In Bangladesh. In M. A. R. Avi & A. A. Muneem (Eds.), Tourism Policy And Planning In Bangladesh (Pp. 137–152). Springer. Https://Doi.Org/10.1007/978-981-15-7014-8_10
[4]. Avi, M. A. R., Muneem, A. A., Hafsa, S., & Sobhan, S. (2019). Promoting Bangladesh's Tourism Through Internet: Empirical Evidence And Suggestions. Rajshahi University Journal Of Business Studies, 12(1), 78–88.
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Abstract: Background: The growing adoption of Big Data Analytics has significantly transformed how organizations make strategic decisions and improve performance. In the healthcare sector, data-driven approaches are increasingly critical for enhancing service delivery, optimizing resource allocation, and improving overall efficiency. This study examines how the Eastern Provincial Health Office leverages big data repositories and analytics to support strategic decision-making and performance......

Keywords: Big Data Analytics; Strategic Decision-Making; Organizational Performance; Health Informatics; Data Management Systems; Healthcare Sector

[1]. W. Mcafee And E. Brynjolfsson, “Big Data: The Management Revolution,” Harvard Business Review, Vol. 90, No. 10, Pp. 60–68, 2012.
[2]. T. H. Davenport And J. G. Harris, Competing On Analytics: The New Science Of Winning. Boston, Ma, Usa: Harvard Business School Press, 2007.
[3]. Ministry Of Health Zambia, National Health Strategic Plan 2017–2021, Lusaka, Zambia, 2019.
[4]. R. Demchenko, P. Grosso, C. De Laat, And P. Membrey, “Addressing Big Data Issues In Scientific Data Infrastructure,” In Proc. Int. Conf. On Collaboration Technologies And Systems, 2013, Pp. 48–55.
[5]. P. Gandomi And M. Haider, “Beyond The Hype: Big Data Concepts, Methods, And Analytics,” International Journal Of Information Management, Vol. 35, No. 2, Pp. 137–144, 2015.

Abstract: In this study, we provide a state of the art review of 104 empirical and theoretical studies examining the interplay between UCB services, financial inclusion and socio-economic uplift across global and national contexts. This review draws on the evidence base from banking, microfinance, digital finance, SME finance, rural finance and development economics. With the situation referring to as above, examination results constantly show that access for individuals and small firms to formal financial services provided, in particular by co-operative.....

Keywords: Urban Cooperative Banks, Financial Inclusion, Societal Development, Inclusive etc

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