This article attempts to highlight the learnings from Customer Relationship Management (CRM) imple mentation in the banking sector. CRM systems are particularly relevant to Retail Financial Services companies, allowing much of the management of the customer relationship to be automated with the objective of maximizing the profitability of individual customer relationships whilst minimizing the cost of managing those relationships. The study is supported by a case study of CRM systems in a major Japanese Bank- Bank of Tokyo Mitsubishi and also a field survey of scenario in Indian banking sector. The various issues examined include organizational information, the CRM strategy, strategic changes resulting from CRM implementation, implementation priorities for the banks and the factors indicating the performance after CRM implementation. The study revealed that CRM is gradually picking up and is definitely considered as a viable proposition by banks in improving services to their customers. One of the major challenges experienced during implementing CRM is resistance to change. To get CRM to work, high commitment is required in those who are implementing it.
Polycystic ovarian syndrome (PCOS) is a common gynaecological disorder characterized by hypergonadotropism, hirsutism, obesity, oligomenorrhea and commonly associated with infertility. According to Ayurveda PCOS can correlate with several conditions described in Ayurveda i.e. Granthi. Arttavakshayam, Nashtaarttavam, Pushpagni Jataharini and Raktagulamam. In all these conditions Kapha and Vata are aggravated doshas and medas, mamsam and rakta are the vitiated dushyas. Hence, in the initial stage, Ayurvedic drugs are given to specify Vata and Kapha. PCOS has a complex pathophysiology involving insulin resistance, androgen abnormality and excess oestrogen secretion. In this review, an attempt has been made to study the use and mode of action of Ayurveda drugs for the treatment of PCOS. Herbal products like Yastimadhu (Glycyrrhiza glabra), Kumari(Aloe vera), Tvaka(Cinnamomum Zeylanicum), Mostly the Ayurvedic drugs used for the PCOS, all are Vata-kapha shamaka. These can be used to treat various symptoms of PCOS with no or mild side effects.
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