IOSR-JBM   Volume-28 ~ Issue-4 ~ April 2026

Abstract: Background of the Study: Financial inclusion has emerged as a major policy priority in rural India, where access to formal financial services remains constrained by distance, low digital literacy, limited awareness, and affordability barriers. Although several policy initiatives have expanded the reach of banking services, meaningful inclusion depends not merely on account ownership but on sustained and practical access to usable financial services. In this regard, India Post Payments Bank (IPPB), through its doorstep digital banking services delivered via the......

Keywords:India Post Payments Bank, Doorstep Banking, Financial Inclusion, Rural Households, Bangalore Rural District, Digital Banking, Awareness, Accessibility, Affordability, Adoption, Rural India, Postal Network.

[1]. Bhasme, A., & Karthikeyan, K. (2025). Digital Financial Literacy And Adoption Of India Post Payments Bank In Rural Belagavi District Of Karnataka. Primax International Journal Of Commerce And Management Research. Https://Doi.Org/10.34293/Pijcmr.V13i2.2025.005
[2]. Miyan, R., & Mishra, A. K. (2025). Digital Banking And Financial Inclusion: An Empirical Study Of Rural India. IOSR Journal Of Business And Management. Https://Doi.Org/10.9790/487x-2706125359
[3]. Neltje, C., Rotinsulu, M., Murniati, S., Kunci, K., & Abstra, K. (2025). Financial Inclusion Through Digital Banking: Bridging The Gap For Underserved Communities. Journal Of Economics And Management Sciences. Https://Doi.Org/10.37034/Jems.V7i3.97
[4]. Shaw, M., & Riyat, S. (2025). Challenges In Implementing Digital Banking Services In Rural Areas: A Study In The Indian Context. Economic Sciences. Https://Doi.Org/10.69889/Mk0nv090
[5]. Tejasmayee, P., Gautam, R., Khurana, A., & Rastogi, S. (2025). Empowering Rural Prosperity: Unleashing The Impact Of Financial Inclusion Via Post Office, Post Payments, And Regional Rural Banks. NMIMS Management Review, 33, 115–127. Https://Doi.Org/10.1177/09711023251338105

Abstract: In the era of modernization and globalization online marketing is a great revolution. Over the last few years maximum business institutions are running with technological transition. Internet shopping or marketing is making the use of technology (i.e., computer) for better & efficient marketing performance. Online shopping is considered to be the new normal in this present world. Evaluating the customer's attitude and perception towards internet shopping.....

Keywords:Online Marketing, Internet Shopping, Customers’ attitude, Customer perception,

[1]. Andrew, J. R (2004). A Typology Of Online Shoppers Based On Shopping Motivations, Journal Of Business Research Vol. 57 PP. 748–757
[2]. Amit, B. Sanjoy (2004). A Latent Class Segmentation Analysis Of E-Shoppers, Journal Of Business Research. Vol.57, PP.758-767.
[3]. Boudraeu, M.C And Watson R.T (2006). “Internet Advertising Strategy Alignment” Internet Research. Vol.16 (1), PP.23-37
[4]. Cho And Jinsook. (2004). Likelihood To Abort An Online Transaction: Influences From Cognitive Evaluations, Attitudes, And Behavioural Variables. Information & Management, Vol.41, PP. 827- 838.
[5]. Creswell, J. (1994) Research Design: Qualitative And Quantitative Approaches, London Press: Sage.
[6]. Michael, R.S. Gary, B. Soren, A (2006). Consumer Behaviour: A European Perspective, Financial Times/ Prentice Hall
[7]. Gautam, B. (2004). The Impacts Of Quickness, Price, Payment Risk, And Delivery Issues On On-Line Shopping, Journal Of SocioEconomics, Vol.33, PP.241–25.

Abstract: Background: This study examined the influence of board structure on long-term financial performance of life insurance companies in Zambia, motivated by recent corporate failures highlighting governance deficiencies. Materials and methods: Using a quantitative research approach with descriptive and correlational design grounded in Agency Theory, Stewardship Theory, and Resource Dependence Theory, data were collected from 97 respondents (92.38% response rate) representing governance personnel across life insurance companies in Zambia through struc.......

Keywords:

[1]. Abebe, M. & Dhaliwal, H. (2024). Corporate Governance And Insurance Risk: Evidence From Ethiopian Insurance Companies. African Journal Of Economic And Management Studies, 15(2), 234-251
[2]. Adams, R.B. & Mehran, H. (2023). Board Structure And Banking Firm Performance: A Synthesis Of Recent Evidence. Journal Of Financial Economics, 147(2), 287-312.
[3]. Aguilera, R.V. & Ruiz-Castillo, C. (2025). Corporate Governance In Emerging Markets: A Multilevel Analysis. Academy Of Management Review, 50(1), 123-149
[4]. Donaldson, L. & Davis, J.H. (1991). Stewardship Theory Or Agency Theory: CEO Governance And Shareholder Returns. Australian Journal Of Management, 16(1), 49-64
[5]. Goyal, K. & Gulati, R. (2025). Board Characteristics And Firm Performance: Evidence From Indian Insurance Companies. International Journal Of Managerial Finance, 21(1), 89-112..