Editorial

The eleventh issue of Ushus brings to you a wide variety of scholarly articles encompassing socio-economic and managerial issues. The first paper "Information technology and banking sector with reference to customer satisfaction" focuses on the impact of automation of the public sector banks as per the reflections of the bank officials and the customers. The crest of the article lies in the fact that the customers are being able to keep abreast with the exchange of automation in the modern banking practices and the survey brings out their perception towards it and throws some light on the effective ways to deal with this crisis. The study concludes with the analytical results that public sector bank customers have a positive inclination towards technological upgradation but the banks need to be more flexible in their work process and focus on marketing themselves in order to entrap a larger customer base. The paper titled "Administration of micro-credit by national bank" talks about the successful micro-finance initiatives taken by NABARD how aptly they had been implemented and evolved as a sustainable social movement over a decade now

Editorial

On behalf of the editorial team, I have great pleasure in presenting to you this issue of 'Ushus' with a new look and feel. The tenth issue of 'Ushus' is a gratifying watershed for all of us who launched the journal in 2002 and completed the ten consecutive issues successfully. Innovation and creativity are always at the top of the corporate and institutional agenda. Never a fad, but always in or out of fashion, innovations and creativity get rediscovered as a growth enabler. Each generation embarks on the same enthusiastic quest for newer things and faces the same challenge of overcoming innovation stifles