Government of India (GOI) initialized financial inclusion campaign to quell exclusion. The campaign did not gain expected progress. Government employed technologies to speed up the process. Among banking technologies, mobile banking appeared as a possible solution for financial exclusion with wide mobile phone coverage. Inputs on rural people's intention toward technologies for effective financial inclusion were essential. Technology adoption factors, performance expectancy, effort expectancy, social influence, attitude, perceived risk, and behavioral intention (BI), were short listed after literature review. Factors were subjected to reliability, exploratory factor analysis (EFA), multiple regression, and interaction analysis. Rural provinces in Karnataka state were surveyed. We used mixed sampling technique to reach 959 samples. Multiple regression-interaction analysis revealed age and gender moderated attitude's path toward BI.

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This paper aims to study the determinants of the Lean Service System (LSS) on the Operational Performance (OP) of India's mail service in the National Sorting Hub (NSH), Mangaluru, Karnataka, the southern part of India. Measuring the OP in mail service is a big challenge in the postal service industry. Hence, we have conducted a survey, and 150 usable data has measured the impact of Lean Service Practices (LSP), Lean Workplace Environment Practices (LWEP), and Lean Social Practices (LSoP) on the OP. The results are analyzed from the partial least square based structural equation modelling (PLS-SEM) with the support of R programming. The analysis shows that there is positive and significant impact of LSP ( β = 0.380, p < .05), followed by LWEP ( β = 0.281, p < .05), and LSoP ( β = 0.266, p < .05) on OP. The practical effect of the findings of LSS are effectively implemented for enhancing the OP of the business. This research addresses the appropriate empirical model to test LSS in India's postal service industry, which is scant in the existing literature. Moreover, this study helps India Post to review its policy so as to sustain the effectiveness of Lean Service (LS) implementation.

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In today's highly competitive environment, health care organizations are increasingly realizing the need to focus on service quality as a measure to improve their competitive position. While there has been a plethora of conceptual and empirical research regarding the many complexities involved in services marketing, few endeavours have been directed towards integrating the customer's assessment into models to improve overall service quality. This article examines service quality through a case study of a health care organization in Mangalore, Karnataka, India with a tertiary health provision. The population consisted of patients aged 18-65 years and 45 patients were considered through a purposive sampling technique. The study basically started off using the grounded theory for patient of service quality and this exploration was enabled to formulate a hypothesis; to test the specific hypothesis, the descriptive approach was used. The grounded theory indentified service quality dimensions through open coding, axial coding and selective coding. The analysis was done for the assessment of overall service quality by 'doctors', 'quality of care,' 'nursing quality of care' and 'operative quality of care' and the proportion of statistically significant variance. The service quality in which operative quality of care yielded 79 per cent; doctor quality of care yielded 45.6 per cent; and nursing quality of care yielded 63.8 per cent of explanatory power.The results also indicated there is need to improve doctors' care in the case of this organization. Service attributes related to this dimension requires management attention to improve the doctors' care of quality. The article concludes by highlighting the dearth in services marketing research for service quality measurement through patient perspective in health care organizations.