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The surge in internet usage has generated widespread speculation and optimism regarding its potential impact on the accessibility to financial services. The aim of this study is to investigate the effect of internet penetration on the accessibility of banking services in developed and developing countries.

Panel data regression methods are used to estimate the impact of internet penetration on accessibility to banking services in a sample of 74 countries from Global Findex survey waves of 2011, 2014, 2017 and 2021. To mitigate potential issues related to heteroscedasticity, autocorrelation and cross-sectional dependence, the study has implemented cluster robust standard errors testing. Furthermore, as a sensitivity check, the sample has been segregated into developed and developing country groups.

The study finds a significant positive correlation between internet penetration and banking access in full sample. Subsample analysis reveals that this relationship is statistically significant in developed countries, but not in developing ones, despite being positive. The research discusses the implications of these findings for both country groups.

Research to date has largely investigated the link between information and communication technology (ICT) and financial inclusion, often treating internet penetration as one component of ICT, which obscures its individual influence. This study, however, isolates internet penetration to specifically analyze its distinct effects on banking accessibility across developed and developing countries.

Gluten is a triggering factor for gluten-related disorders. However, the present market provides expensive, less varied and poor nutritional products. Therefore, this study aims to develop gluten-free muffins and improve their nutritional profile, as well as evaluate the physical, chemical and sensorial aspects of them.

A combination of pearl millet, buckwheat and amaranth was used to formulate gluten-free muffin using central composite rotatable design of response surface methodology for optimization of selected parameters (hydroxypropyl methyl cellulose [HPMC], baking temperature and baking time). The optimized muffins were incorporated with Moringa leaves powder. Finally, the final products were compared with the wheat muffins.

The optimization range of selected variables was 1% HPMC, 170°C baking temperature and 30.33 min baking time with a desirability function of 0.75. The incorporation of 5% Moringa leaves powder enhanced the nutritional profile of gluten-free muffins – increased protein (38%), fiber (208%), iron (224%) and calcium (25%) values. However, the overall acceptability reduced due to decrease in flavor and odor.

Nonetheless, the ease of accessibility of these convenience gluten-free muffins as well as the nutritional density can help the food research and nutritionists to bridge the gap in current gluten-free market. This puts focus on the use of underutilized crops such as millets and buckwheat which are nutritionally dense.

The study aims to study the extent of research done in luxury marketing in an emerging economy like India by conducting a bibliometric analysis. A period of 21 years has been considered to present a comprehensive picture for results and analysis. Key findings indicate the gaps and scope of further research for academics in India and abroad. The findings indicate a dearth of research by scholars and academicians in luxury, counterfeit and masstige, especially when there is a surge of the upper middle class in India. More specifically, Indian-grown luxury brands also present a massive scope for future research.

The growing pressure on businesses to balance environmental sustainability with profit maximisation has led to the development of green entrepreneurial orientation (GEO), which proactively integrates green practices into core business operations. Grounded in the ecological modernisation theory, GEO acts as a green management practice which helps in achieving competitiveness through environmental innovation. However, despite the growing emphasis on GEO, there remains a gap in understanding how specific drivers influence the organisational structures and processes that lead to GEO. Therefore, the study addresses this gap by analysing the key drivers of GEO using an integrated approach.

In this study, total interpretive structural modelling (TISM) and cross-impact matrix multiplication applied to classification (MICMAC) were used to identify and interpret the interrelationship between key drivers of GEO. Here, TISM technique aided in constructing a contextual relationship-based structural model of drivers, whereas MICMAC assisted in categorising the drivers based on their driving and dependence power. A case evaluation was also carried out in the Indian textile industry to validate the TISM model.

The result indicates that institutional pressure, managerial environment concern, organisational resilience and big data analytical capabilities are the most influential drivers of GEO at organisational level, and other drivers act as secondary and linked variables in this process. The MICMAC analysis further supports the results of TISM. In addition, the overall TISM model is validated in the Indian textile sector.

The study findings will assist researchers and policymakers in adopting a systematic approach to prioritise GEO in pollution intensive industries. Moreover, it will help managers in leveraging GEO to achieve strategic advantages amid environmental challenges.

This study is amongst the first to employ an integrated qualitative approach to analyse drivers of GEO.

Regardless of where the business stood at the beginning of 2020, COVID-19 afflicted the corporate world as well as most of the workforce worked remotely due to government-mandated isolation. The range of personal and professional problems experienced due to remote working by employees was explored at one of the Non-Financial Banking companies and how the company responded to their well-being by interviewing 124 employees and a senior HR personnel. Remote work induced by COVID-19 was not a cakewalk as 56.5% of employees desired physical connectivity with colleagues, for 50.8% work done from home was not interesting and more than 50% of the respondents agreed to work more hours than usual. The outcome was anxiety for some of them. The imbalance between personal and professional life was dissipated with the support of the management as 94.4% of them got sufficient support from their respective managers and colleagues, as they were able to communicate and collaborate with them. The managerial side validated the responses in a way that a flexible and target-oriented approach was adopted for employees. They organized stress management activities and ensured connections through regular employee connect and communication by Learning and Development department. Additionally, COVID-19 advisories and guidelines were followed while engaging with employees. The work–life balance shaken due to remote work was managed with responsive humanistic management practices that had the enduring effect of garnering employee engagement levels with the organization.

Introduction: Banking institutions are instrumental for lending support and steering the economy in the planned direction to achieve long-term goals. Sustainable development has become the focal point of new policies so that the economies attain inclusive growth. This needs substantial funding to accelerate industrial activity; hence, banks have to play a dominant role in helping such plans succeed. Banks need to look beyond their current framework and play a proactive role in promoting sectors focussed on sustainable development. Banks can prioritise lending to green initiatives to reduce carbon footprint, which will provide impetus to the goals laid out in the COP 26 United Nations (UN) Climate Change Conference. The chapter aims to identify the gap in investment for sustainable development and the funding support required from banks to help India achieve the desired sustainable goals. The chapter recommends that banks increase their green financing to provide the impetus for creating sustainable infrastructure.

Purpose: The present study aims to understand the banking sector’s importance in developing sustainable economic growth through lending practices. The study recommends certain practices for increasing focussed lending towards sustainable projects.

Methodology: In this study, the authors developed prepositions based on a literature review. Significant issues were raised based on the lending policies per the guidelines of Reserve Bank of India (RBI), and a solution was proposed by preparing a conceptual model.

Findings: The study offers a lending technique that can assist the financial sector in supporting sustainable economic growth.

Given the continuing need to study service marketing adaptations that emerged in the wake of Covid-19, this paper aims to look at the formation and evolution of purchase groups (PGs) that arose in Indian gated communities during the pandemic and have continued functioning in the post-pandemic marketplace. Not only did these groups act as much-needed interstitial markets during a time of significant external disruption, but they also served as sites of value co-creation, with consumers collaborating with each other and with service providers.

Using a phenomenological research approach, the authors conducted 22 in-depth interviews with Indian consumers and small service providers to gather accounts of how PGs started and evolved with time. Subsequent data coding and analyses are conducted with NVivo 12.

Using the service ecosystem perspective, the authors illustrate seven distinct themes that capture the nuances of the formation and evolution of PGs. These consist of entrepreneurality, collectivity, and fluidity at the service ecosystem level, hybridity and transactionality at the servicescape level, and mutuality and permeability at the service encounter level.

This study provides an empirical and theoretically grounded account of a long-term service marketing adaptation that has persisted in the post-pandemic marketplace. This helps us address recent calls for such research while also adding to the work on value co-creation in collective consumption contexts and extant discourse on service ecosystems.

Purpose: Manufacturing has always been considered a backbone for economic growth. It has been considered an imperative sector in the growth of an economy. This study aims to trace the long-term relationship between gross domestic product (GDP) and manufacturing sector in the context of Indian economy.

Need for the study: According to research, the significance of the manufacturing sector is waning over time. This chapter studies the long-term relationship between the GDP, an indicator of growth, and the manufacturing sector. Over the last few decades, the contribution of manufacturing has been stagnant in the GDP of India.

Methodology: The decadal growth of various sectors in the GDP of India is studied using time series analysis. This study used the data released by the Ministry of Statistics and Programme Implementation (MOSPI) from 1950–1951 to 2013–2014. The long-term relationship between the sector of manufacturing and the GDP is examined through the augmented Dicky–Fuller (ADF) test and auto-regressive distributed lag (ARDL) models.

Findings: The findings suggest that in the Indian scenario, there is no relationship for an extended period between the GDP and the manufacturing sector, which calls for further policy implications.

Practical implications: India, while having the world’s fastest-growing economy, must continue to take steps to attain high growth rates and long-term sustainability by reducing obstacles to the expansion of the service sector in addition to manufacturing. Manufacturing-led services are to be boosted through policy interventions.

For a sustainable and eco-friendly supply chain, the objective is to reduce the harmful effects on the environment caused by a variety of factors, such as supply chain revenue and profit concerns, water and energy use and waste production. The primary barrier to more sustainable supply chains is cost, and smaller enterprises in particular find it difficult to pay for the upfront expenses. The prices are utmost important in freight forwarding services. The chapter aims to identify the different variables that affect the spot freight rate, considering a small number of Indian logistics firms, and to determine the spot freight rate factors that affects freight rates and supply chain management's sustainability. Using a structured questionnaire, the information was gathered from 308 logistics service companies. Descriptive statistics was used and factor analysis using principal component analysis (PCA) are the tools and methodologies employed for the analysis of the data gathered. The software tool utilized for the data analysis is SPSS (Statistical Package for the Social Sciences) 17.0. SPSS helps to obtain clear and precise results. From the analysis, it was deduced that there are five factors of spot freight rate which was done by using factor analysis using PCA, which affects the volatility explaining a total of 67.75% variation in the data set. The study shows that these identified factors impact the freight rate and also the sustainability in management of supply chain practices in India.

The utilization of mobile fitness applications (apps) is on the rise, making user retention and engagement critical factors in the commercial success of these apps. However, research in this area is limited and fragmented. The objective of this study is to conduct a thorough review of the available literature on the effects of digital innovations, gamification, artificial intelligence (AI) and machine learning (ML) on user engagement with fitness mobile apps. The findings reveal the relationships between gamification, the use of AI/ML and technology adoption on user engagement, interaction and intent to use. Additionally, the study highlights the importance of understanding how user experience, customer experience and brand experience impact customer retention and contribute to the overall success of mobile fitness apps. Furthermore, the study also identifies the gaps in the current research and recommends further studies to be conducted in these areas. Future research is encouraged to incorporate elements from the experience domains to provide consumers with engaging interactions and improve retention and commercial success for mobile fitness apps.