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Archives Volume-6, Issue-2 (July-December)

TABLE OF CONTENTS

Paper Title:
COOPERATIVE BANKS AND THEIR IMPACT ON RURAL ECONOMIC DEVELOPMENT IN INDIA
Author Name:
Shashikant Tiwari
Country:
India
Page No.:
1-4
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COOPERATIVE BANKS AND THEIR IMPACT ON RURAL ECONOMIC DEVELOPMENT IN INDIA
Author: Shashikant Tiwari

ABSTRACT:
Digital banking is one of the most important aspects of the Indian banking business
nowadays. It facilitates the day-to-day financial transactions of consumers from all around
the world. Customers were compelled to switch from traditional to online banking through
digital banking. Digital banking is simply the delivery of financial services to users via the
internet, allowing them to conduct transactions at any time. All banks have implemented
digital banking to deliver the greatest customer service to their consumers worldwide. The
financial system is an important component in the growth of a country's economy because it
contributes to capital accumulation and technological progress by increasing savings rates,
mobilizing and pooling savings, producing investment information, promoting and
facilitating foreign capital inflows, and boosting capital allocation. On the other side, this
system contributes heavily to air, water, landfill, and other sorts of pollution, harming the
environment and becoming the leading contributor to climate change. Banks' concern for
environmental sustainability has given rise to the notion of "green banking." Green banking is
supporting environmentally friendly practices and decreasing the carbon footprint of financial
activities by using internet banking instead of branch banking. This article examines the
trends and problems of digital banking in India.
Keywords: Digital Banking, Internet, Banking in India, Opportunities, Development,
Environment, Financial System, and Sustainability.

Paper Title:
ANALYZING THE INFLUENCE OF E-COMMERCE ON TRADITIONAL RETAIL MARKETING STRATEGIES
Author Name:
Deepika Ratnakar
Country:
India
Page No.:
5-13
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ANALYZING THE INFLUENCE OF E-COMMERCE ON TRADITIONAL RETAIL MARKETING STRATEGIES
Author: Deepika Ratnakar

ABSTRACT
The rapid proliferation of e-commerce has significantly reshaped traditional retail marketing
strategies, necessitating a comprehensive evaluation of its impact on the retail landscape. This
abstract examines the dynamic interplay between e-commerce growth and traditional retail
marketing, focusing on key areas such as consumer behavior, market reach, cost structures,
and competitive strategies. E-commerce has driven a shift towards digital marketing, data
analytics, and personalized consumer experiences, enabling retailers to reach a global
audience with lower overhead costs compared to brick-and-mortar establishments.
Traditional retailers have responded by integrating online channels with their physical stores,
adopting omnichannel strategies to enhance customer engagement and retention.
Additionally, the convenience and efficiency of e-commerce have heightened consumer
expectations, prompting traditional retailers to innovate and improve in-store experiences.
This transformation has also led to significant changes in supply chain management,
inventory control, and promotional tactics. While e-commerce presents substantial
opportunities for growth, it also poses challenges such as increased competition and the need
for substantial investment in technology and logistics. Ultimately, the impact of e-commerce
on traditional retail marketing strategies is profound, driving an ongoing evolution in how
retailers connect with and serve their customers in a digital-first marketplace.
KEYWORDS : e-commerce, technology, retailers, strategies, etc.

Paper Title:
ELECTRONIC BANKING IN INDIA: A CRITICAL REVIEW
Author Name:
Shankars Battase
Country:
India
Page No.:
14-18
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ELECTRONIC BANKING IN INDIA: A CRITICAL REVIEW
Author: Shankars Battase

ABSTRACT:
The financial framework in India is truly evolving. It has changed with time and has made the
economy more grounded as well as made the existence of the client a lot simpler than
previously. Indian financial framework has gone through a complete change throughout
recent years. With the reception of Data Innovation, the financial business has arrived at a
more noteworthy level. The progression of electronic banking occurred with utilization of
programmed teller machines and later it created to internet banking. Through Electronic
Banking, a client can work his record and do banking exchanges from PC or cell phone.
Offices conveyed by the banks incorporate bill installment, electronic exchanges, check
cards, Visas, versatile banking, tele-banking and so forth. This paper centers around the
importance of E-Banking, advancement, its capabilities, advantages, challenges and the fate
of banking in India.
Keywords: E-Banking, Data Innovation, Web Banking, Electronic Exchanges, Future
Banking.

Paper Title:
DESCRIPTIVE REVIEW OF FDI INFLOW GROWTH IN INDIA
Author Name:
Sudhesh Gautam
Country:
India
Page No.:
19-25
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DESCRIPTIVE REVIEW OF FDI INFLOW GROWTH IN INDIA
Author: Sudhesh Gautam

ABSTRACT
Investment in India is being used as a tool for economic growth and advancement. From all
accessible foreign sources, fdi is considered as the most secure form of foreign capital
investment for the developing countries. The outlook as to FDI of developed as well as
emergent market economies is shifting dramatically because these countries believe FDI to be
the most appropriate form of foreign financing. Therefore, the study mainly focuses over the
framework of FDI in India by referring to sectors of FDI and the various government
initiatives taken in the present globalized era. The aim of research paper to identify the FDI
inflows into India from various sectors and sources on the India. Data has been collected
from various published sources. Descriptive analysis has been employed for analysis purpose.
A constant growth pattern was observed specially after various policies framed by
government to boost FDI. India is one of the favorable destinations for investment. Service
sector is attracting maximum FDI inflows. It was found that in India, FDI inflows in the
period 2018 to 2019 are consistent.
KEYWORD: FDI, Growth, Pattern, India, Economy

Paper Title:
भारत में चुनाव और धन शक्ति की भूमिका
Author Name:
Sandeep Kumar
Country:
India
Page No.:
26-31
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भारत में चुनाव और धन शक्ति की भूमिका
Author: Sandeep Kumar

सारांश:
यह शोध पत्र भारत में चुनावी प्रक्रिया में धन शक्ति के बढ़ते प्रभाव का विश्लेषण करता है। चुनावों में धन शक्ति का अत्यधिक उपयोग न केवल निष्पक्षता और पारदर्शिता को कमजोर करता है, बल्कि इससे भ्रष्टाचार, असमान प्रतिस्पर्धा और मीडिया का दुरुपयोग भी बढ़ता है। बड़े उद्योगपति और व्यापारिक घराने उम्मीदवारों को चंदा देकर चुनावी परिणामों को प्रभावित करते हैं, जिससे सरकारी नीतियों में पक्षपात और जनता की समस्याओं की अनदेखी होती है। चुनावी प्रक्रिया को सुधारने के लिए राज्य द्वारा चुनावों का वित्त पोषण, चुनावी खर्च की सीमा का सख्ती से पालन, मीडिया सुधार, काले धन पर रोक और चुनावी पारदर्शिता जैसे उपाय आवश्यक हैं। यह शोध पत्र इन सभी पहलुओं का विस्तृत विश्लेषण करता है और सुझाव देता है कि कैसे धन शक्ति के प्रभाव को नियंत्रित कर भारतीय लोकतंत्र को और मजबूत किया जा सकता है।
मुख्य शब्द: धन शक्ति, चुनावी प्रक्रिया, भ्रष्टाचार, असमानता, चुनाव सुधार, राज्य वित्त पोषण, चुनावी खर्च सीमा, मीडिया सुधार, काला धन, पारदर्शिता, भारतीय लोकतंत्र, राजनीतिक भ्रष्टाचार।

Paper Title:
THE ROLE OF COOPERATIVE BANKS IN THE ECONOMIC DEVELOPMENT OF RURAL INDIA
Author Name:
Dipak Kundu
Country:
India
Page No.:
38-44
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THE ROLE OF COOPERATIVE BANKS IN THE ECONOMIC DEVELOPMENT OF RURAL INDIA
Author: Dipak Kundu

ABSTRACT
Rural India, home to nearly two-thirds of the country's population, plays a pivotal role in
shaping the nation's economic landscape. Cooperative banks have emerged as a cornerstone
in the economic development of rural regions, offering financial services tailored to the needs
of farmers, artisans, and small entrepreneurs. This paper explores the role of cooperative
banks in fostering rural economic development, with a focus on their contributions to
agricultural growth, financial inclusion, and infrastructure development. Cooperative banks
have been an integral part of the financial ecosystem in rural India, serving as critical
instruments in fostering economic development and financial inclusion. This paper explores
the multifaceted role of cooperative banks in the economic advancement of rural India by
facilitating credit access, encouraging savings, promoting entrepreneurship, and supporting
agricultural and allied activities. The analysis draws upon various academic and policyoriented sources to elucidate the contributions and challenges facing cooperative banks in
rural financial intermediation.

Paper Title:
SMART INVESTING: ROLE OF FINANCIAL LITERACY IN SHAPING INDIVIDUAL INVESTMENT CHOICES IN PUNJAB
Author Name:
Neeti Gupta
Country:
India
Page No.:
45-54
View PDF
SMART INVESTING: ROLE OF FINANCIAL LITERACY IN SHAPING INDIVIDUAL INVESTMENT CHOICES IN PUNJAB
Author: Neeti Gupta

ABSTRACT
This study explores the role of financial literacy in shaping individual investment choices
among investors in Punjab. Using a structured questionnaire, data was collected from 343
respondents across diverse demographic backgrounds. The analysis employed descriptive
statistics, t-tests, ANOVA, and correlation techniques to examine financial literacy levels,
investment behaviour, and risk preferences. Findings reveal significant variations in financial
literacy across demographic groups, with higher literacy linked to a preference for diversified
and higher-risk investments such as equities, mutual funds, and cryptocurrencies. Conversely,
lower literacy correlates with conservative investment choices and lower risk tolerance. The
study emphasizes the importance of targeted financial education programs to enhance
literacy, improve investment decisions, and support economic empowerment in the region.
These insights contribute to the development of policies and interventions tailored to the
financial needs of varied population segments in Punjab.
Keywords: Financial literacy, Investment behaviour, Risk preference, Punjab investors,
Financial education

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