Technological advancement has transformed the businesses environment in past few decades and many technologies will emerge that will profoundly influence many industries. This technology revolution is future and controlling the organizations effortlessly for productive development. The paper investigates the various zones where the Artificial Intelligence is being utilized in the Indian banking sector and also its implications. This paper will confer that what are the advantages and the challenges which artificial intelligence is confronting in India. It seeks to explore advancement that artificial intelligence offers to FinTech and the different ways in which it can shape the operations of an Indian banking ecosystem.
PurposeThis study intends to build up a thorough understanding of social factors that largely influence students’ decision-making to opt institution for higher studies in India.Design/methodology/approachThis descriptive research follows two sequential phases consisting of the literature review to identify social factors and validate the factors through the questionnaire method. Factor analysis was applied to identify the various factors that influence the student’s institution choice.FindingsThe research work explores and identified four factors and their associated attributes that impact students’ decision-making to opt institution for higher studies. It was found that the career advisor influence variable has the highest level of variance, followed by societal norms, social platform and cohort influence.Research limitations/implicationsThe present study is limited to social factors only. Therefore, many other determinants which may influence the student’s decision-making to opt the institute for higher studies remain unaddressed in this study.Practical implicationsThe findings of the study can guide the institutions' admission management in underpinning the acceptance of social factors to observe their influence on student’s choice of an institution. An important implication is the identification of career advisor influence as the strongest social factor which may bridge the student's career fit in the institution and social platform influence which may help higher education institutions to redesign their marketing strategies to augment students’ enrolment.Originality/valueThis study provides insight into the important role of social factors that impact the student's decision-making regarding institution choice in India.
Education loan is a magical solution to address the education financing crises. It bridges the gap between accessibility and sustainability but incidents of defaults in the repayment of education loan are on rise. The Present study covers various theories has been thoroughly analysed to understand the factors which influence the intention of student to repay the education loan. A comprehensive theoretical framework has been designed by reviewing various literatures on student intention. This structural framework encompasses - Attitude to repay or default of education loan, Integrity, Parental influence, awareness of loan agreement, Willingness to invest in educational plans, Student’s characteristics, Financial ability to pay and student’s priority from Theory of reasoned action, Theory of Planned behaviour, Theory of human capital and Theory of ability to pay. In this research study, all efforts have been made to determine the possible linkage between factors that influence student’s intention to pay or default the education loan.
PurposeThis study attempts to elucidate the role of key influencers impacting the student decision-making process of enrollment for higher education in India from the lenses of Stephen Covey's theory on circles of life.Design/methodology/approachA sample of 556 students of Delhi NCR, India was selected based on a multi-staged sampling method. PLS-SEM was subsequently applied for statistical data analysis.FindingsThis quantitative finding voiced the relationships among the constructs in the proposed theoretical framework, i.e. Stephen Covey's circle of life theory. Additionally, it tinted the crucial role of “College attributes” in reconnoitering the relationship dynamics between key influencers (Circle of Influence and Circle of Concern) and student college choice (Circle of Control).Research limitations/implicationsThe present study incorporates only the first-year student population of undergraduate management courses in private universities from Delhi NCR, India limiting the generalization of findings substantially.Practical implicationsThe study garners the attention of education policymakers on the cognizance of the role played by parents and cohorts in driving the student's decision-making process of college choice under the circle of influence.Originality/valueThis study is pioneering research disseminating a comprehensive outlook of the circle of life theory of great Stephen Covey engrained upon a compendious conceptual model which enlightens the landscape of the decision-making process of student on enrollment under the influence of key influencers.
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