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Rebuilding Operational Risk Management Capabilities: Lessons Learned from COVID-19
JADWANI, Barkha,PARKHI, Shilpa,KARANDE, Kiran,BARGE, Prashant,BHIMAVARAPU, Venkata Mrudula,RASTOGI, Shailesh Korea Distribution Science Association 2022 The Journal of Asian Finance, Economics and Busine Vol.9 No.9
Globally, COVID-19 has significantly impacted many different organizations and people. From the banks' perspective, this pandemic has affected banks' corporate and retail customers. Also, banks had to adjust to distributed workforce model. This paper analyses the lessons learned from the COVID-19 pandemic, which can be effectively used to rebuild banks' Operational Risk Management capabilities. The present study used the survey research methodology, which includes structured questionnaires completed by senior banking professionals to analyze the learnings from COVID-19 and understand the distributed workforce model and remote working effectiveness. Findings: The Pandemic accelerated the pace of digital transformation. The lockdown imposed due to the pandemic led to employees working remotely, which has been effective because of enhanced digital capabilities. However, enhanced monitoring is required to prevent data-related issues, and action needs to be taken to address challenges faced in having a remote distributed workforce model, like negative impact on on-the-job learning, data-related risks, and employee wellbeing. COVID-19 is an unprecedented event that could not have been predicted in any scenario analysis. This crisis has highlighted various systemic drawbacks that need to be addressed. Banks can apply the lesson learned from this Pandemic to become more robust in the future.
Yadav, H. M.,Kolekar, T. V.,Barge, A. S.,Thorat, N. D.,Delekar, S. D.,Kim, B. M.,Kim, B. J.,Kim, J. S. Chapman and Hall 2016 Journal of materials science Materials in electron Vol. No.
<P>The photocatalytic degradation of methylene blue (MB) has been investigated under visible light irradiation with an incandescent light bulb using chromium doped TiO2 nanoparticles. Cr-TiO2 photocatalysts were successfully synthesized by sol-gel method at room temperature and characterized by X-ray diffraction (XRD), UV-Vis diffuse reflectance spectroscopy (UV-Vis DRS), Raman spectroscopy, Transmission electron microscopy (TEM) and X-ray photoelectron spectroscopy. The band gap energy of the nanoparticles were estimated using UV-Vis DRS technique. With increasing Cr3+ cations content into TiO2 host lattice, the optical absorption band tuned in the visible region. XRD and TEM results reveal uniform and crystalline anatase TiO2 nanoparticles. The photodegradation of MB indicated that the photocatalytic activity of pure TiO2 nanoparticles increased with increasing Cr3+ cations concentration.</P>
Financial Inclusion - An Impetus to the Digitalization of Payment Services (UPI) in India
SHARMA, Arpita,BHIMAVARAPU, Venkata Mrudula,KANOUJIYA, Jagjeevan,BARGE, Prashant,RASTOGI, Shailesh Korea Distribution Science Association 2022 The Journal of Asian Finance, Economics and Busine Vol.9 No.9
The ecosystem for digital payments in India has expanded quickly during the last decade. A synthesis of technical advancements and progressive governmental laws and regulations has fuelled this expansion. Particularly, the UPI system has assisted India in transitioning from a nation heavily reliant on cash for daily transactions to one with fewer cash transactions. The study attempted to determine how Financial Inclusion (FI) through a socio-techno-ecosystem impacts digital payment systems. FI involves ensuring financial services, products, and an adequate amount of credit without discrimination against the weaker section of society. The study has established that FI impacts the UPI. The finance infrastructure thus helps to develop an ecosystem where financial access and the awareness level help people to transit to new channels of payment. We have used secondary data of 27 banks for sixteen quarters and four years, i.e., for the financial years 2016-17 to 2019-20. It is observed from the current study that the offsite_ATM plays a significant role in the value creation of the UPI. Our study implies that it will help retailers, individuals, and business houses to use UPI platforms for swift payments without hassle. Also helpful for industries that are still not digitally disrupted and industry-specific UPI transactions.
Impacts of Financial Inclusion on Sustainable Development in India
SINGH, Saumya,GAUTAM, Rahul Singh,AGARWAL, Bhakti,PUSHP, Aman,BARGE, Prashant,RASTOGI, Shailesh Korea Distribution Science Association 2022 The Journal of Asian Finance, Economics and Busine Vol.9 No.10
The ultimate motive of the paper is to establish whether financial inclusion (FI) has a consequential impact on the Sustainable Development (SD) of India. This study uses one model for the assessment of the influence of FI through the Co-Operative bank network on SD. This is purposely done to analyze the absolute impact of the role of the Co-Operative bank network in the said context. The sample encompasses data taken from 28 states and 3 Union Territories for two years (FY2018-FY2020). Assessment of data for the remaining Union Territories is not undertaken for the reason of the non-availability of data for other Union Territories. This study uses Panel Data Analysis (PDA) to establish the nexus of the relation between the said variables. Results of this study reveal elevated levels of SD resultant of increased FI thereby indicating a positive and significant relationship between the said variables. Unlike previous studies, this study gives India-specific significant findings, which suggests policy formulation for increasing the numbers and improving the governance of Co-Operative bank networks for SD. Co-Operative bank network as a proxy despite having high weighted significance in FI has not been incorporated in any recent study as per the last updated knowledge of authors.
The relation betWeen H˚(x) and Hom(H。(x),Z)
Barg, gyun sig 圓光大學校大學院 1981 學位論叢 Vol.6-2 No.-
代數的 手法을 써서 "x가 Path-Connected 空間이다. ⇔π。(x)가 오직 한 개의 要素를 포함한다. ⇔H˚(x)가 상수함수만을 갖는다" 라는 同値命題를 얻는다. 따라서 π。(x)의 성질에서 H˚(x)의 성질을 추리할 수 있는 命題 1을 얻고 이것을 이용하여 H˚(x)와 Hom(H˚(x), Z)사이의 單射準同型을 얻는다.