Management Insight

From Local to Global: An Empirical Study on Digital Consumer Experience with Bastar Art of Chhattisgarh Strategies

Jayant Isaac — 2025-08-25

The globalization of indigenous art forms has been significantly influenced by digital platforms, transforming local handicrafts into
globally accessible commodities. This study explores the digital consumer experience with Bastar Art of Chhattisgarh, an ancient tribal
craft known for its intricate metalwork, wood carvings, and traditional motifs. By leveraging empirical data from 1000 respondents, this
research examines the role of e-commerce, social media, and online marketplaces in promoting Bastar Art to a global audience. The study
investigates consumer purchasing behavior, trust in digital transactions, and satisfaction levels while also addressing the challenges
artisans face in adopting digital commerce. Findings indicate that while digital platforms have enhanced accessibility and visibility for
Bastar Art, concerns such as payment security, product authenticity, and logistical constraints continue to affect consumer confidence.
The study provides strategic insights into improving digital consumer experiences, empowering artisans with digital literacy, and
fostering sustainable global market integration for indigenous art forms.

A Conceptual CAMELS Evaluation Framework for Banks: An Illustrative Approach

Ankita — 2025-08-25

The CAMELS rating system is a globally recognized tool used to assess the financial health of banks based on six dimensions: Capital
Adequacy, Asset Quality, Management Efficiency, Earnings, Liquidity, and Sensitivity to Market Risk. This study introduces a
conceptual CAMELS evaluation framework using hypothetical data from three fictional banks to demonstrate the model’s functionality
and educational value. The framework utilizes fabricated financial ratios to assign ratings across each CAMELS component, presented
through visual aids like bar charts and radar plots. Unlike traditional applications, this model is designed for academic and pedagogical
use rather than regulatory enforcement. It simplifies complex concepts for educational settings, aiding in the understanding of how
CAMELS components influence a bank's composite score. The study also addresses limitations and future possibilities, such as
incorporating qualitative factors and real-time data simulations, making it a practical learning tool in banking education programs.

A Pathway to Women’s Entrepreneurial Success through Social Innovation and Gender Equality

Simranpreet Kaur — 2025-08-27

This paper examines the intersection of social innovation and financial inclusion, focusing on how policy frameworks and innovative
f
inancial tools impact women’s entrepreneurial growth in India. The present study focuses on the growth of SMEs since 2000. The data of
the business registered in India have been compiled from two different sources i.e. The Ministry of Corporate Affairs and the World
Bank’s Entrepreneurship database. The data belonging to the distribution of male and female wise entrepreneurs have been compiled
from the various annual report of MSME. By analyzing gender-specific barriers and evaluating policy outcomes, the study aims to
provide actionable recommendations for fostering inclusive and sustainable development. The study carried out using two-sample t-test
test further captured the uneven growth with a significant difference in male and female entrepreneurship in India. There has been
improvement but much more still needs to be done from policy level down to the grassroots by the government, especially at leadership
level, the private corporations and civil society organizations to ensure that women entrepreneurial opportunities are fostered for the
women of India to fully participate in overall economic development of the country.

A study on HR Roles of Organizational Sustainability and Green HRM

Sonam Maurya — 2025-08-27

Human Resource Management (HRM) plays important role in this transition towards sustainability through the adoption of Green HRM
practices. This study investigates the various roles of HR in promoting environmental sustainability within organizations. It explores the
integration of green initiatives into HR functions such as recruitment, training, performance management, and rewards, aiming to
cultivate a workforce committed to eco-friendly practices.. By analysing existing literature and case studies, the research identifies
effective strategies for implementing Green HRM and assesses their impact on organizational sustainability.

Value Creation in Indian Public Sector Bank Mergers: A Case Study of Union Bank of India

Anjanee Kumar Rai — 2025-08-27

This study explores the concept of value enhancement through mergers and acquisitions (M&A), with a focused analysis of Bank of
Baroda’s strategic amalgamation. In response to intensifying competition within the Indian banking sector, M&A has emerged as a
pivotal strategy to enhance operational performance, broaden market reach, and strengthen geographic presence. The research centres on
the historic 2020 merger of Union Bank of India with Andhra Bank and Corporation Bank—an event that marked a transformative phase
in India’s public sector banking landscape. By examining financial performance indicators such as profitability, asset quality, and non
performing assets (NPAs), this study assesses the merger's overall impact. A comparative analysis of pre- and post-merger data indicates
that despite initial hurdles related to integration and asset health, Bank of Baroda was able to harness operational synergies, eliminate
functional redundancies, and expand its customer base. These factors collectively led to notable improvements in financial stability. In
addition, the research delves into the complexities of organizational integration and risk management, offering valuable insights into how
M&A strategies can effectively foster value creation within the Indian banking industry.

Insurance Literacy and Financial Security: Understanding the Role of Consumer Knowledge in Purchase Decisions

Gaurav Kumar Bisen — 2025-08-27

This research examines how consumer knowledge affects decisions towards insurance purchases and provides a relationship between
literacy and financial security. By focusing on the effect of financial literacy on insurance buying behavior, this study investigates crucial
elements such as consumer awareness, trust, and the decision-making process. A mixed-methods strategy, which integrates both
qualitative and quantitative research, is utilized to offer a thorough understanding of the topic. The study targets adults aged 18 and older,
sampling 500 participants through stratified random sampling to ensure demographic diversity. Data is gathered using structured
questionnaires that concentrate on consumer knowledge about insurance products, levels of financial literacy, and perceptions of
financial security. Secondary data from existing research supplements the primary collection to create a theoretical framework. The
objective of the study is to provide valuable insights that will enhance consumer education and decision-making in the life insurance
sector. The expected findings will offer recommendations for insurers to improve their product offerings and better address consumer
requirements. Limitations of the study include its focus on consumers already knowledgeable about insurance and the possibility of self
report biases.

Consumer awareness, behavior and attitude towards Unified Payment Interface (UPI)

Sunit Kumar Mishra — 2025-08-27

The Unified Payments Interface (UPI), launched by the National Payments Corporation of India (NPCI) in 2016, has transformed digital
payment ecosystems in India. This study examines consumer awareness, behavior, and attitudes toward UPI, leveraging primary data
from 100 respondents in Varanasi. Descriptive statistics, t-tests, ANOVA, and regression analysis reveal that while awareness levels are
moderate (M = 3.52, SD = 1.09), gender significantly influences usage behavior (t = 2.66, p < .05). Attitudes are favorable, yet only 18% of
behavioral variance is explained by attitudinal factors (R² = 0.18). The findings underscore the need for targeted financial literacy
programs and enhanced security measures to bolster adoption.

India as a global Tourism Hub: Opportunities, challenges and strategic interventions for sustainable Growth

Shashi Yadav — 2025-08-27

India has immense potential to become a global tourism hub due to its rich cultural heritage, diverse landscapes, and historical
significance. From the iconic Taj Mahal to spiritual destinations like Varanasi, India attracts millions of visitors every year. However,
despite its unique offerings, the country faces several challenges that hinder the full realization of its tourism potential. This paper
explores the opportunities, challenges, and necessary strategic interventions to promote sustainable tourism growth in India. Key
opportunities include India's growing middle class, increased international connectivity, and the global interest in wellness tourism.
India’s variety of experiences, such as adventure tourism, wildlife tourism, and heritage tourism, also provide a strong foundation for
attracting tourists from across the globe. However, challenges such as infrastructure gaps, environmental concerns, lack of skilled human
resources, and inconsistent marketing strategies pose significant barriers. Issues related to overcrowding in popular tourist spots, the
impact of climate change on natural sites, and inadequate public-private partnerships also need immediate attention.
To overcome these obstacles and ensure sustainable growth, strategic interventions are necessary. This paper proposes measures such as
infrastructure development, improved tourism marketing, and the promotion of lesser-known destinations to ease pressure on existing
hotspots. Emphasis is placed on enhancing the visitor experience through digital transformation, promoting eco-friendly tourism
practices, and investing in community-based tourism initiatives. Additionally, strong government policies, skill development in
hospitality, and public-private partnerships are vital for creating a resilient and thriving tourism sector in India.
In conclusion, with the right strategies in place, India can position itself as a leading global tourism destination while ensuring the
sustainability of its natural and cultural resources.

A Qualitative Study on Sustainable Procurement in Super Specialty Hospitals in Karnataka

Namit Mahendra — 2025-08-27

The healthcare sector is increasingly emphasizing sustainability as a critical factor in improving operational efficiency and patient care
outcomes. This study examines the green buying process in private hospitals super-specialty hospitals, focusing on how environmentally
responsible operations impact the quality of healthcare services. Super-specialty hospitals, known for their advanced technologies and
treatment for complex medical conditions, face unique challenges in balancing high operational demands with environmental
sustainability.
Through mixed research methods including literature review and interviews of managers and decision-makers of super-specialty
hospitals in Karnataka and subsequently data analysis, factors like organizational culture, product design, regulatory aspect, and pricing
influence the organization's green buying significantly. The research also evaluated the influence of these factors on green buying and
subsequently their influence on consumer satisfaction. This study uncovers a critical aspect of green buying in service sectors especially
in hospital services. The result found that organizational culture and governmental policy play a crucial role in organizational green
buying in super-specialty hospitals. The research has a significant impact on futuristic research and government policy-making.

Neuromarketing: The Science Behind Consumer Decision-Making

Shikha Dubey — 2025-08-27

In recent years, the intersection of science, technology, and business has revolutionized how marketers understand consumer behaviour.
Neuromarketing combines insights from neuroscience with marketing strategies to uncover the subconscious drivers of consumer
decisions. This paper explores the evolution, methodologies, applications, ethical considerations, and limitations of neuromarketing in
today's digital landscape. By examining case studies and technological advancements, we illustrate how neuromarketing reshapes
marketing strategies and enhances the connection between brands and consumers. Furthermore, we discuss the implications of
neuromarketing for future marketing practices, emphasizing the need for ethical considerations as businesses increasingly leverage these
insights to influence consumer behaviour. As the field continues to evolve, understanding the balance between effective marketing and
ethical responsibility will be crucial for fostering trust and transparency in consumer-brand relationships.

AI-Driven Financial Management: Shaping the Future of Decision-Making and Strategy

Suraj Prakash Singh — 2025-08-27

organizations face increasing complexity in financial operations, the incorporation of artificial intelligence (AI) technologies offers
unparalleled opportunities to enhance the efficiency, accuracy, and strategic insights. By leveraging AI's capabilities in data analysis,
predictive modeling, and automation, financial stakeholders can make more informed, real-time decisions, optimize resource allocation,
and develop data-driven strategies. This shift towards AI-powered financial management is not only improving operational performance
but also enables the organizations to navigate uncertainty, reduce risks, and deal with the challenges of the continually growing and
evolving market. This study highlights the key drivers of AI adoption in financial management, its impact on decision-making processes,
and the future potential for strategic innovation across industries.