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Internet Banking Service Quality and Customer Satisfaction during the COVID-19 Pandemic: A Study of University Students in Sri Lanka

Leave a Comment / Original Research Article /

The rapid advancement of information and communication technologies has fundamentally transformed the global banking industry, shifting traditional banking operations toward technology-driven service delivery systems. Among these innovations, internet banking has emerged as a pivotal channel through which banks deliver financial services efficiently, transcending geographical and temporal constraints. Internet banking enables customers to perform a wide […]

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Effect of Information and Communication Technology on Customer Service Delivery in Nigerian Banking Sector

Leave a Comment / Original Research Article /

INTRODUCTION Background to the Study  Strong growth in many economies is typically attributed to information and communication technology [27]. It appears that innovations relating to technology influences economic progress and the likelihood of sustaining such growth while also stimulating the provision of services by the banks and financial institutions. The Nigerian banking sub-sector has witnessed

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Predictive Roles of Customer-Centric and Risk Management AI Applications in Optimizing Banking Operations in Nigeria

An Empirical Research Article /

1.1 Introduction The advent of artificial intelligence (AI) has significantly transformed modern banking operations, reshaping how financial institutions pursue efficiency and business process optimization. From its early symbolic models in the 1950s to the rise of machine learning, deep learning, and generative AI, the technology has become central to reducing operational costs and maximizing outputs

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Empowering Women Farmers with Digital Advisory Tool: Assessing the Impact of Rice Crop Manager on Rice Productivity in Odisha

Original Research Article /

Introduction Information and Communication Technologies (ICT) and its use in agriculture have been instrumental in improving access to timely information and thereby increasing awareness and knowledge of farmers on innovative and effective crop management practices [1,2]. ICT has strengthened the linkages of farmers with markets, suppliers and institutions [3]. It acts as a bridge between

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The Impact of Digital Transformation on Business Models and Organizational Performance: A Review of Empirical Evidence and Future Directions

Review Article /

Introduction Digital transformation (DT) has become a strategic imperative for organizations seeking to remain competitive in an increasingly digital and dynamic global economy. It refers to the integration of digital technologies such as artificial intelligence (AI), cloud computing, big data analytics, the Internet of Things (IoT), and blockchain into core business processes, models, and strategies

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The Impact of Electricity Costs on the Profitability of SMEs in Sri Lanka: Evidence from the Kundasale Divisional Secretariat Division

Original Research Article /

Introduction Small and Medium-sized Enterprises (SMEs) constitute a vital component of national economies, particularly in developing countries, where they drive employment, innovation, and regional development. In Sri Lanka, SMEs represent over 75% of all enterprises, contribute nearly 52% to the Gross Domestic Product (GDP), and provide approximately 45% of total employment [1]. Despite their economic

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Language, Identity, and Integration: From the Tower of Babel to Contemporary Indian Language Policy

Review Article /

Language has long been recognized as both a vehicle of social cohesion and a marker of difference, structuring how individuals and communities imagine belonging, authority, and identity. From ancient narratives of linguistic rupture to contemporary debates over official and educational language, conflicts over “who speaks what to whom” reveal underlying struggles over power, legitimacy, and

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Climate Change, Agriculture, and Trade – A Review of Economic Adaptation Strategies in Developing Regions

Review Article /

1. Introduction Climate change stands as one of the most critical global challenges of the twenty-first century, with profound implications for economic stability, environmental sustainability, and human well-being. Its impacts are neither uniformly distributed nor evenly experienced across the world; instead, they disproportionately affect developing regions that rely heavily on climate-sensitive economic sectors. Sub-Saharan Africa,

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Employee Well-being in a Hybrid Working Environment: The Role of PERMA and Leadership Styles

Original Research Article /

INTRODUCTION Markets have increasingly become volatile, uncertain, complex and ambiguous (VUCA) which can be attributed to both globalization and digitalization. As a result, companies encounter a work environment that is fiercely competitive and rapidly evolving, necessitating their prompt and appropriate response and adaptation. Consequently, both companies and employees are under growing pressure, leading to a

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