NRJBFM - Journal of Banking and Finance Management

Archives Volume-9, Issue-1 (January-June)

Paper Title:: Q-COMMERCE: THE EVOLUTION OF SHOPPING FROM IN-STORE PURCHASES TO INSTANT HOME DELIVERY
Author Name:: Taunalyn Rutherford
Country:: India
Page No.:: 1-4

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Q-COMMERCE: THE EVOLUTION OF SHOPPING FROM IN-STORE PURCHASES TO INSTANT HOME DELIVERY

Author: Taunalyn Rutherford

Gone are the days when people had to plan for their weekly and monthly purchase of groceries and other necessities and visit markets, be it for groceries, vegetables, milk or medicine. With the steady growth in serving customers demands and competition, business started offering various add-on services. The growth of malls people started visiting regularly as they could buy all that they need under single roof with good ambience and that too at discounted prices. With the development of e-commerce and due to the spread of internet and severe competition, new business had come up with online shopping with home delivery facility where the need to visit shops/malls and carrying back goods was reduced. Cut throat competition resulted in companies offering delivery of goods in record time, starting within a day resulting to within 10 minutes i.e. e-commerce has led to Q-commerce (Quick Commerce). With the growth of new online start-ups, customers are being pampered by various facilities. People no longer have to plan their purchases in advance. At any given time one can order any item and get it delivered in a matter of minutes. This paper tries to find out the journey of shopping experience from physical shopping to instant home delivery i.e. Q-commerce and also the impact on the people who work in this industry.
Keywords: Q-Commerce, E-Commerce, Online business

Paper Title:: INVESTIGATION OF DIELECTRIC AND DC CONDUCTIVITY IMPROVEMENTS IN LANTHANUM FLUORIDE THROUGH RARE EARTH ELEMENT DOPING
Author Name:: Mridul Kirti
Country:: India
Page No.:: 5-9

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INVESTIGATION OF DIELECTRIC AND DC CONDUCTIVITY IMPROVEMENTS IN LANTHANUM FLUORIDE THROUGH RARE EARTH ELEMENT DOPING

Author: Mridul Kirti

This paper deals with the measurement of dc conductivity and the dielectric constants of the LaF3:Nd3+,Ho3+ nanoparticles. For this, doped LaF3:Nd3+,Ho3+ nanocrystals have been successfully synthesized by microwave assisted technique with co-precipitation method. The X-ray diffraction, SEM, TEM and selected area electron diffraction SAED pattern have been used for identification of crystal structure. Cell parameters are a = b = 7.098AU and c = 7.238AU and confirms with the JCPDS standard card (32-0483) of pure LaF3 crystals. During dielectric measurements, increase in the applied frequency results in rapid fall in dielectric constant and dielectric loss confirming the normal dielectric behavior attributable to the space charge formation. The ionic conductivity may be due to fluorine ions, as well as the ions on the surface of LaF3:Nd3+, Ho3+ due to doping. By doping LaF3, the ionic conductivity of the sample is seen to be substantially enhanced.
Keywords: Lanthanum fluoride, conductivity, dielectric constant, dielectric loss

Paper Title:: EXPLORING THE DETERMINANTS OF FINANCIAL RESILIENCE IN THE PANDEMIC ERA
Author Name:: Roshini Udhwani
Country:: India
Page No.:: 10-18

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EXPLORING THE DETERMINANTS OF FINANCIAL RESILIENCE IN THE PANDEMIC ERA

Author: Roshini Udhwani

Covid - 2019 pandemic has devastating impact on each and everyone’s family life's , even those with higher income where disturbed financially . Despite various government measures, financial awareness programmes, different financial investment schemes it has been difficult for many to cope with financial shock. As per the International Labour Organization estimates, crisis resulted in 255 million jobs lost. The worst impact as a result of this was on households who do not have well planned liquid savings to sustain even one month without income. As per the Statista of 2020 survey 79% of India people were financially fragile.

Paper Title:: CREDIT CARD SERVICES IN RURAL AND SEMI-URBAN PUNJAB: A COMPARATIVE STUDY OF PUBLIC AND PRIVATE BANKS
Author Name:: Rajnish
Country:: India
Page No.:: 19-30

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CREDIT CARD SERVICES IN RURAL AND SEMI-URBAN PUNJAB: A COMPARATIVE STUDY OF PUBLIC AND PRIVATE BANKS

Author: Rajnish

The banking sector of India experienced several changes during the era of post-independence. The role of banking system is changing continuously in this global world. Banks are introducing new products and services to their customers. Credit card facility is one of these products and services. But the use of these facilities in rural and semi urban areas is questionable. This paper will concentrate on the service of credit card provided by the banks in rural and semi-urban areas of Punjab. The extent of use of this service ,problems and challenges that customers as well as banks are facing in using this facilty.
Keywords: Credit card, e-channels, Information Technology, Transformation

Paper Title:: CAREER PROGRESSION OF WOMEN IN THE INDIAN BANKING SECTOR: A QUALITATIVE EXPLORATION THROUGH IN-DEPTH INTERVIEWS
Author Name:: Shivinder Phoolka
Country:: India
Page No.:: 31-42

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CAREER PROGRESSION OF WOMEN IN THE INDIAN BANKING SECTOR: A QUALITATIVE EXPLORATION THROUGH IN-DEPTH INTERVIEWS

Author: Shivinder Phoolka

This study explores the lived experiences of women professionals in the Indian banking sector, focusing on the structural, social, and personal barriers that affect their career progression. Despite policy reforms and increasing female workforce participation, women remain underrepresented in senior management roles. Through a qualitative phenomenological approach, this research captures rich narrative accounts from 30 women employed across public and private sector banks in India. Data were collected via in-depth semi-structured interviews and analyzed using Braun and Clarke’s thematic analysis method supported by ATLAS.ti software. The study identifies critical impediments such as gender-based discrimination, inadequate mentorship, rigid work structures, and exclusion from informal leadership networks. Simultaneously, it reveals enabling factors like supportive supervisors, internal training, and family encouragement. Sectoral comparisons indicate that public-sector banks exhibit higher rigidity and gender bias than private institutions. By filling a gap in existing literature—which predominantly relies on quantitative or policy-based evaluations—this study offers nuanced, context-rich insights into the intersection of gender, leadership, and institutional culture. The findings underscore the urgent need for structured mentorship, transparent promotion criteria, and gender-sensitive policy execution. This research contributes to broader discourses on workplace equality and directly supports Sustainable Development Goal 5 by advocating for inclusive leadership pathways and systemic reforms in the Indian financial services sector.
Keywords: gender equality, women in banking, leadership, India, career progression, qualitative research

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