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    <title>EconStor Community:</title>
    <link>https://hdl.handle.net/10419/336988</link>
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    <pubDate>Mon, 04 May 2026 17:20:38 GMT</pubDate>
    <dc:date>2026-05-04T17:20:38Z</dc:date>
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      <title>Operational risks and operational performance: A cross-sectional analysis of deposit money banks</title>
      <link>https://hdl.handle.net/10419/337064</link>
      <description>Title: Operational risks and operational performance: A cross-sectional analysis of deposit money banks
Authors: Odesola, Olusegun Timothy; Adebisi, Adedayo Michael
Abstract: This study examines the influence of operational risks (ORs) on the operational performance of deposit money banks (DMBs) in Nigeria, focusing on six dimensions: people-caused, internal process-caused, system-caused, damage to physical assets, external events and legal-caused operational risks (LORs).A descriptive survey research design was employed. The population comprised all DMBs in Nigeria, with the sample including all 19 banks holding national and international authorisation. Primary data were collected through structured questionnaires administered to 25 senior management staff per bank using random sampling. Data were analysed to determine the effect of each OR category on operational performance (OP). The results revealed that people-caused (β = 0.619, t = 12.872, p &lt; 0.001), internal process-caused (β = 0.285, t = 4.547, p &lt; 0.001), system-caused (β = 0.694, t = 17.394, p &lt; 0.001), damage to physical assets (β = 0.718, t = 16.920, p &lt; 0.001) and external events-caused risks (β = 0.735, t = 19.884, p &lt; 0.001) all had significant positive influences on OP. LORs (β = 0.253, t = 1.223, p = 0.222) were not statistically significant.These findings highlight the critical impact of various ORs on the OP of DMBs in Nigeria, emphasising the need for comprehensive risk management strategies.The study provides empirical evidence on the category-specific effects of ORs on bank performance in Nigeria. By identifying the most impactful risk dimensions, it offers practical insights for developing targeted OR management frameworks to enhance resilience and performance in the banking sector.</description>
      <pubDate>Wed, 01 Jan 2025 00:00:00 GMT</pubDate>
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      <dc:date>2025-01-01T00:00:00Z</dc:date>
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      <title>Cool, caring and communicating - the human touch: How car brands used social media anthropomorphism in pandemic times</title>
      <link>https://hdl.handle.net/10419/337060</link>
      <description>Title: Cool, caring and communicating - the human touch: How car brands used social media anthropomorphism in pandemic times
Authors: Tiwari, Rohit; Negi, Tanuj; Chouthoy, Supriya
Abstract: This study aims to examine the influence of Brand Anthropomorphism on Conversational Value and Attitude Towards Communication (relevance) of Gen Y and Gen Z consumers in the context of the COVID-19 pandemic. The study considered interactive marketing strategies used by premium auto brands on social media during this crisis and their impact on consumers. Keeping consumers engaged with brands was a challenge during the pandemic and the premium auto brands in the study ensured that anthropomorphic brand communication, created conversations about the brand.This primary study used a structured questionnaire to collect data from 102 respondents who witnessed changes in logos by two premium automotive brands on social media platforms during the COVID-19 pandemic. The dataset was analysed using the partial least squares - structural equation modelling methodology and the multi-group analysis (MGA) procedure.The study reveals that brand anthropomorphism affects consumer's attitude and encourages consumer conversations. Mass media was employed to raise public awareness and increase the receptivity to learning certain social behaviours during the pandemic. The auto brands in this study also effectively engaged with consumers about such behaviours through their logos which had consumers communicating with the brand as well as amongst themselves.The study used convenience sampling and an online survey format, which may limit the breadth and representativeness of responses. Future research could adopt probabilistic sampling methods, broaden participant diversity, and extend the analysis to other sectors such as fast-moving consumer goods, hospitality and e-commerce. Expanding the model to include constructs such as brand image and purchase intent, as well as exploring cross-cultural dynamics and the longer-term impact of anthropomorphic branding, would offer a more comprehensive understanding of how such strategies influence consumer perceptions and behaviour during crises.From a managerial perspective, the results underscore the strategic value of anthropomorphic communication in customer engagement, particularly on digital and social platforms where interaction is frequent and public. The significant and consistent positive effects across brands suggest that brand managers can confidently implement anthropomorphic cues such as conversational tone, human-like avatars, personalised messaging style or emotionally expressive language to cultivate more favourable attitudes toward brand communication and increase the perceived worth of brand consumer exchanges.The study aims at contributing to the body of knowledge as it investigates a unique the correlation of brand anthropomorphism with conversational value and attitude towards the communication by the brand. This study provides empirical evidence in support of the Stereotype Content Model in the context of premium automotive brands.</description>
      <pubDate>Wed, 01 Jan 2025 00:00:00 GMT</pubDate>
      <guid isPermaLink="false">https://hdl.handle.net/10419/337060</guid>
      <dc:date>2025-01-01T00:00:00Z</dc:date>
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      <title>Empowering women's SHGs through blockchain: A microfinance perspective</title>
      <link>https://hdl.handle.net/10419/337068</link>
      <description>Title: Empowering women's SHGs through blockchain: A microfinance perspective
Authors: Madapana, Karteek; Rao, N. V. Jagannadha
Abstract: This paper aims to make microfinance transparent, effective and secure with the help of the decentralized nature of blockchain technology. In doing so, it guarantees that microfinance enhances greater financial inclusion along with the economic empowerment of women. The research conducted a pilot implementation of a blockchain-based microfinance platform with respect to some metrics: access to financial resources, average income per month, repayment of the loan, fraud incidents and financial literacy scores. The pilot results, primarily, are likely to suggest that improvement is statistically significantly different for all these metrics.The research conducted a pilot implementation of a blockchain-based microfinance platform with respect to some metrics: access to financial resources, average income per month, repayment of the loan, fraud incidents and financial literacy scores. The pilot results, primarily, are likely to suggest that improvement is statistically significantly different for all these metrics. The percentage of SHG members that had access to financial resources doubled, with similar dynamics (increase of 197%) in the average monthly incomes of the actors being witnessed.Blockchain's transparent and immutable ledger system has addressed one of the key challenges in traditional microfinance - lack of trust. By ensuring that all transactions are securely recorded and easily verifiable, blockchain technology has built confidence among SHG members. This increased trust has encouraged greater participation in microfinance programmes, thereby expanding financial inclusion. The operational efficiency of the blockchain-based platform has significantly reduced the time required for transaction processing and loan disbursement. Traditional microfinance systems often involve lengthy processes with multiple intermediaries, leading to delays and higher operational costs. In contrast, the blockchain platform has streamlined these processes through automation and smart contracts, enabling real-time verification and execution of transactions. This efficiency not only improves the user experience but also reduces costs for microfinance institutions, making financial services more accessible and affordable. Moreover, the integration of AI-driven tools with the blockchain platform has enhanced financial literacy and inclusion. Personalized financial advice and educational resources provided by AI have empowered SHG members to better understand and manage their finances.The pilot project in Rayagada has revealed the transformative potential of blockchain technology in the microfinance sector. By integrating the blockchain, the project has successfully enhanced transparency, operational efficiency and financial literacy among self-help group (SHG) members. These improvements have fostered a more inclusive and trustworthy financial environment, which is critical for the empowerment of marginalized communities.</description>
      <pubDate>Wed, 01 Jan 2025 00:00:00 GMT</pubDate>
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      <dc:date>2025-01-01T00:00:00Z</dc:date>
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      <title>How far are the crude oil price and inflation relevant to forecast the stock prices? Evidence from India</title>
      <link>https://hdl.handle.net/10419/337058</link>
      <description>Title: How far are the crude oil price and inflation relevant to forecast the stock prices? Evidence from India
Authors: Agarwalla, Megha; Sahu, Tarak Nath; Jana, Shib Sankar
Abstract: This study seeks to foster fresh and exhaustive empirical relational evidence on the dynamism among oil price ripples, inflationary shocks and stock price volatility in India considering the time varying model along with vector autoregressive specification.The study uses a time series econometrics technique covering the monthly data from January, 2006 to June, 2022. For the long-run results, vector error correction model (VECM) and for causal relationship, Granger causality test have been applied. Moreover, for robustness variance decomposition analysis (VDA) and impulse response function (IRF) are used by the authors.Using Johansen's co-integration test and VECM, the study documents that, there exists a unidirectional long-run causality from oil price and stock price to inflation. Additionally, the Granger causality test reveals a short-run bidirectional causal association between oil price and stock price; however, inflation does not influence any of the variables. Moreover, the VDA documents strong endogeneity of stock prices and strong exogeneity of inflation. Though, IRF almost validates the VECM results. By seeing the interaction of stock prices with oil and inflation, investors and portfolio managers can forecast the movement of price and can accordingly take the decision.The study concludes that a hike in the oil prices and a boom in the stock price jointly reinforce the inflationary situation over a longer time span in this country. Thus, the vitality of crude prices in controlling inflation and gauging the business cycle to ensure greater stability still remains a matter of high concern.</description>
      <pubDate>Wed, 01 Jan 2025 00:00:00 GMT</pubDate>
      <guid isPermaLink="false">https://hdl.handle.net/10419/337058</guid>
      <dc:date>2025-01-01T00:00:00Z</dc:date>
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