Do the gambling attitude of investors is a tool to predict their investment personality?

Each individual has different set of attitude, thinking, individual difference; decision making style etc. All these attributes contribute one’s personality development. Individual’s personality is determined by both psychological and psychographic factors. Gambling is a psychological problem often faced by investors while making investment decisions. The primary focus of this paper is to study the influence of investor’s gambling attitude and their demographics on determining the investment personality of investors. Multistage random sampling technique is used to collect the data of 742 retail investors who are accessing Indian stock market. The Cronbach’s reliability of investor’s different gambling and personality factors are greater than 0.60. Results of this study reveal that investor’s intuitive gambling attitude has shown meaningful influence on their personality development. Further investors demographics variables have shown significant influence of their investment personality. Keywords: Behavioral finance, Demographic Factors, Gambling, Investment decisions, Investment strategies, Personality development

Customers’ Satisfaction On Digital Banking System With Reference To Select Public Sector Banks In Karnataka

Digital banking is one of the most significant innovations in the banking industry that has been around for a long time. While there are many benefits that consumers get from using online banking, there are also some major challenges and challenges that marketers in the online banking industry face. The main challenges that internet banking marketers need to overcome in order to succeed in this industry are low marketing budgets, traditional bank behavior, security, technological issues, and transaction issues. As the years have passed by, digital banking has become more and more popular in the banking industry. Nowadays, the concept of digital banking is accepted in the world and it has gained popularity as a way of doing business. The unstoppable power of digital technology is transforming the financial services industry. This study seeks to identify the differences in problems faced by clients of different public sector banks when using digital banking services. 600 participants were randomly selected from those who had access to digital banking in Karnataka, and the primary data collected through a questionnaire was used as the basis for the analysis. The data was then interpreted using Statistical Processes Statistics (SPSS) and chi-square analysis, as well as a t-test. &nbsp

Customers’ Perception On Challenges Of Digital Banking System With Reference To Select Public Sector Banks In Karnataka

One of the biggest innovations in the banking sector throughout its lengthy history is digital banking. Notwithstanding the numerous advantages that consumers derive from online banking, there exist several significant apprehensions and obstacles for marketers operating within the online banking industry. The main obstacles that internet banking marketers must overcome to thrive in this industry are minimal marketing budgets, traditional banking habits, security, technological problems, and transaction difficulties.  As time has gone on, digital banking has emerged and is proving to be a success for the banking industry. The idea of digital banking is widely accepted in today's world, and it quickly gained popularity as a method of conducting business. The financial services industry is being redefined by the irresistible force of digital. The goal of the current study is to identify the variations in issues related to digital banking. The 600 participants in the study were chosen at random from among those who used digital banking services in Karnataka. The study identifies the issues with digital banking services that clients of various public sector banks encounter. Primary data gathered through questionnaire served as the foundation for the study. The data has been analyzed and interpreted using SPSS. Chi-square analysis and the t-test have been applied. &nbsp

Enhancing customer service in commercial banks in India using the balanced scorecard technique

In today’s competitive environment, customer satisfaction has become a cornerstone for gauging bank performance and profitability. The banking environment is becoming more and more competitive and banks are striving to bring about a competitive edge in their marketing efforts to surge ahead in competition. The customer has become an important source of business and profits for the banks. In order to remain competitive and profitable, banks are making efforts to increase their customer base by developing strong relationships with their customers and by offering efficient services. Business processes are important because they have a great impact on customer satisfaction. The study concludes that focusing on process improvements will help the bank to maintain a competitive edge in the market by satisfying the customer needs efficiently. Improvements in the quality of product, innovations in products and sound risk management and compliance procedures will add to the satisfaction levels of the customer.peer-reviewe

Enhancing customer service in Commercial Banks in India using the Balanced Scorecard technique

In todays competitive environment, customer satisfaction has become a cornerstone for gauging bank performance and profitability. The banking environment is becoming more and more competitive and banks are striving to bring about a competitive edge in their marketing efforts to surge ahead in competition. The customer has become an important source of business and profits for the banks. In order to remain competitive and profitable, banks are making efforts to increase their customer base by developing strong relationships with their customers and by offering efficient services. Business processes are important because they have a great impact on customer satisfaction. The study concludes that focusing on process improvements will help the bank to maintain a competitive edge in the market by satisfying the customer needs efficiently. Improvements in the quality of product, innovations in products and sound risk management and compliance procedures will add to the satisfaction levels of the customer

An analysis on the behavioural traits of salaried class investors in Tamil Nadu

Investors exhibit different types of behavioural traits when they are involved in the investment activities like information search, evaluating investment avenues and reviewing the investment made. These behavioural traits might vary from individual to individual. To identify these behavioural traits 37 statements were used with five point Likert scale to collect opinion from investors. Some of the behavioural traits identified from this research are commitment, rationale, variety seeking, dissonance reducing and external locus control. These behavioural traits have impact on investor's decision. Therefore, studying behavioural traits is important for the investment intermediaries who offer investment instruments.behavioural traits; investor segmentation; salaried class investors; Tamil Nadu; India; investment evaluation; portfolio reviews; five point Likert scale; commitment; rationale; variety; dissonance reduction; locus of control; perception; decision making; investment advisors; financial instruments; economics; service industries; management; information research.