ComFin Research

Job Involvement of Polytechnic College Teachers in Tiruchirappalli District

2026-04-02T14:28:22+00:00

This study examined the level of job involvement among polytechnic college teachers in the Tiruchirappalli District. This study aimed to analyse whether job involvement differs with respect to age, gender, subject taught, and designation. This study adopted a quantitative research design using a survey method. Primary data were collected from 50 polytechnic college teachers using structured questionnaires. The data were analysed using percentage analysis, chi-square test, t-test, and one-way ANOVA. The findings indicate that teachers generally exhibit moderate to high levels of job involvement. Although inferential analysis did not reveal statistically significant differences across demographic variables, meaningful trends were observed, particularly among mid-career teachers, science faculty, and Assistant Professors. This study contributes to the literature on teacher job involvement in technical education institutions by highlighting the patterns of professional engagement. Future research should expand the sample size, incorporate qualitative methods, and examine organizational factors influencing job involvement.

Customer Satisfaction Towards Fintech Banking Services

2026-04-02T14:28:21+00:00

The rapid integration of financial technology(fintech) into traditional banking has significantly reshaped the industry, driven by customer demand for enhanced convenience, speed, and accessibility. This study examines the level of customer satisfaction with fintech banking services and identifies key factors influencing satisfaction, such as reliability, service efficiency, security, terms and conditions, and customer concerns. This study adopted an analytical research design and used convenience sampling. The sample size included 87 respondents, and the required primary data were collected through a structured questionnaire. Percentage analysis and chi-square test tools were used. The findings revealed that customers were generally satisfied with fintech banking services. High levels of satisfaction were observed in terms of service efficiency, 24/7 support availability, ease of use and quick transaction processing. The study also indicates that there is no significant difference in customer satisfaction between public and private-sector banks. The study concludes that fintech banking services play an important role in improving customer satisfaction and enhancing the quality of banking service. The study concludes that fintech banking services significantly enhance customer satisfaction and improve the overall quality of banking service. The adoption of fintech solutions positively influences customer experience in public and private sector banks. Future research should use a larger and more diverse sample to improve the results. It can also be used to compare different fintech platforms to understand their effectiveness. Long-term studies can help identify changes in customer satisfaction over time. Further research should examine how advanced technologies and customer behaviour affect the adoption of fintech banking services.

A A Study on Volatility Persistence and Spillover Effect Between Nifty and Nifty Futures

2026-04-02T14:28:21+00:00

This study investigates whether a significant spillover effect exists between the NIFTY spot and futures markets. Further, as the purpose of the study, we also determine whether volatility persistence and asymmetry exist in both markets. As the methodology, the ten-year daily closing prices of the Nifty 50 and Nifty Futures Indices were collected, and GARCH (1,1), EGARCH, and DCC GARCH were used for the analysis. From the study, we found that a high level of volatility persists in both spot and futures markets, and the EGARCH test results reveal a significant volatility asymmetry in both spot and futures markets. The spillover effects analysis using the GARCH DCC model shows that a significant long-term and short-term volatility spillover effect is present between the two markets. We conclude that these results will be of immense use for traders and investors to have a direction on volatility asymmetric effect, persistence, and volatility spillover effect between spot and futures markets. We also state that the study can be extended to stock futures, Bank Nifty indices, etc., and other GARCH methods can be employed in further studies.

E- Retail Payment Perception: User Satisfaction and Behavioural Intentions User Satisfaction and Behavioural Intentions

2026-04-02T14:28:21+00:00

The transition from cash-based transactions to cashless payments has become inevitable in the developing digital-empowered society to support a technology-driven economy. The National Payments Corporation of India (NPCI) has strengthened the digital payment ecosystem through platforms such as RuPay, Bharat QR, and the Unified Payments Interface (UPI), enhancing user convenience in e-retailing transactions. This study aimed to examine the factors influencing user satisfaction and behavioural intention toward NPCI-facilitated e-retail payment systems. A conceptual framework grounded in the Technology Acceptance Model (TAM) and Theory of Planned Behaviour (TPB) was developed and empirically tested using structural equation modelling (SEM). Primary data were collected using convenience sampling from users of digital payment systems through a structured questionnaire. Self-efficacy and user happiness are the predictors that support system quality and impact customer behaviour to adopt and continue NPCI-powered payment solutions. The importance of enhancing user satisfaction strengthens the usage intention, where fintech professionals and service providers must focus on improving security, simplifying transaction processes, and ensuring accessibility. Future research should extend this study by employing larger and more diverse samples, incorporating additional behavioural variables, and conducting longitudinal analyses to improve generalisability.

Influence of Omnichannel Marketing on Purchase Intentions Towards Apparel Products – with a Special Reference to Madurai District

2026-04-04T11:35:32+00:00

By creating a smooth and integrated consumer experience across several touchpoints, omnichannel marketing has a substantial impact on purchase intention. This strategy, which combines online and offline platforms, increases client happiness, cultivates loyalty, and eventually influences purchasing decisions. This study examines the ways in which omnichannel marketing affects consumers’ purchase intentions. The basic data for this study were gathered from apparel consumers in the Madurai district using a convenience sampling approach. In this manner, 250 apparel customers were contacted to gather primary data in the Madurai district. Hence, it is concluded that brand familiarity has a big impact on omnichannel marketing and purchase intention.omnichannel marketing and purchase intention are greatly influenced by technology readiness. Omnichannel marketing has a major impact on apparel buyers’ purchase intentions; thus, retailers must determine how prepared their customers are to use technology and offer assistance and technical support. This can be facilitated by using live or online chatbots. Furthermore, the research recommends further investigation into the relationship between omnichannel and customer journey, as well as how consumers’ attitudes and actions evolve during their interactions with a business.

The Quality of Healthcare Services in Missionary Hospitals in Ernakulam, Kerala

2026-04-02T14:28:22+00:00

Purpose: Service quality has become a critical determinant of patient satisfaction and sustainability in the healthcare sector. Missionary hospitals occupy a distinctive position by providing affordable, ethical, and compassionate healthcare services. This study aimed to examine patients’ perceptions of service quality in missionary hospitals in the Ernakulam District, Kerala, and to identify the dimensions that most strongly influence overall service evaluation.
Methodology: The study adopted a descriptive research design. Primary data were collected from 120 inpatient respondents using a structured questionnaire based on the SERVQUAL model, covering reliability, responsiveness, assurance, empathy, and tangibility. A multi-stage sampling approach was used to select hospitals and respondents. Percentage analysis and mean score analysis were employed to assess demographic characteristics and the relative importance of service quality dimensions.
Results: These findings indicate that assurance and empathy are the most influential dimensions of service quality in missionary hospitals, reflecting high levels of patient trust, professional competence, and compassionate care. Reliability and responsiveness also demonstrated satisfactory performance. However, tangibility had comparatively lower mean scores, suggesting a need for improvement in physical infrastructure, modern equipment, and hospital ambience. The results further reveal variations in service quality perceptions across demographic and socioeconomic groups.
Conclusion: The study highlights that missionary hospitals perform strongly in human-centric aspects of service quality but require strategic focus on operational efficiency and infrastructural development to enhance overall patient experience and long-term sustainability.
Future Research: Future studies may compare service quality across missionary, public, and private hospitals; adopt longitudinal designs; and explore the relationship between service quality, patient satisfaction, and patient loyalty using advanced analytical techniques and larger samples.

Employee Motivation in the Tourism Sector: A Study of Alappuzha District, Kerala

2026-04-02T14:28:22+00:00

Purpose: This study examines the major motivational factors influencing employee engagement and service commitment among tourism employees in the Alappuzha district, Kerala. It also explores the relative importance of intrinsic and extrinsic motivational variables in shaping employee attitudes and performance. It also explores the relative importance of intrinsic and extrinsic motivational variables in shaping employee attitudes and performance.
Methodology: A descriptive research design was adopted. Primary data were collected from 120 employees working in hotels, resorts, travel agencies, and houseboat services using a structured questionnaire based on a five-point Likert scale. Reliability of the instrument was confirmed through Cronbach’s Alpha. Percentage analysis, mean ranking, and correlation analysis were used to interpret the data.
Results: Communication, employee participation, and organisational culture also positively influenced employee engagement. Although important, monetary rewards ranked lower than psychological and developmental factors. Monetary rewards were important but ranked lower than psychological and developmental factors. Correlation analysis indicated that supportive leadership and skill development have a strong positive relationship with employee engagement.
Conclusion: Such an approach can improve employee engagement, service commitment, and long-term organisational performance, thereby supporting sustainable tourism development in the Alappuzha district. Such an approach can improve employee engagement, service commitment, and long-term organisational performance, thereby supporting sustainable tourism development in Alappuzha District.
Future Research: Future studies may focus on comparative analyses across different tourism destinations, longitudinal examinations of motivation and engagement, and the role of digitalisation and organisational innovation in enhancing employee motivation in the tourism sector.

Reimagining the Financial Ecosystem: A Conceptual Perspective on Green Banking and Sustainable Development

2026-04-02T14:28:22+00:00

Purpose: The change in banking institutions in terms of climate change, ESG, and restructuring of the financial environment can be termed a paradigm shift in the context of financial intermediation. This study attempts to conceptualise green banking in terms of the transformation of financial governance in a unified three-dimensional prototype.
Methodology: This research will be conducted using an integrative literature synthesis method in which the concept of green banking will be integrated with the financial environment of the Reserve Bank of India, Securities and Exchange Board of India, UNEP Finance Initiative, and Network for Greening the Financial System.
Findings: This research will attempt to conceptualise green banking in terms of an integrative three-dimensional model, which is essential for enhancing the stability of financial institutions.
Conclusion: The research concluded that green banking is not just a transformation of banking institutions but a transformation of the field of financial governance. This transformation in terms of sustainability is essential for enhancing the stability of financial institutions.
Future Research Directions: Research has suggested that the proposed model of green banking can be utilised for creating a composite index of green banking, panel regression on the relationship between sustainability and profitability, and climate stress tests for testing the model.

A Study on the Impact of Visual Merchandising on Impulse Purchases and Customer Loyalty Intentions with Special Reference to Chennai Silks, Tiruchirappalli

2026-04-02T14:28:22+00:00

This study aims to examine the impact of visual merchandising on impulse buying behaviour and customer loyalty intentions, with special reference to Chennai Silks, Tiruchirappalli. A descriptive research design was adopted for this study. Primary research was conducted by collecting data from customers through a structured questionnaire. The results were analysed using appropriate statistical methods. The analysis results revealed that factors of visual merchandising, such as storefront, interior, lighting, and signage, play a significant role in influencing customers’ emotions, creating excitement, and improving impulse buying behaviour and customer loyalty intentions. Thus, the study concluded that effective visual merchandising is essential for attracting customers, influencing their emotions, and improving store performance. Further, the study suggests that the scope of the research can be extended to other types of products, such as electronics and supermarkets, modern malls compared to conventional stores, and demographic and cultural differences in the effectiveness of visual merchandising techniques. The data were analysed using several approaches, such as reliability tests, factor analysis, multiple regression analysis, and structural equation models. The software used was IBM SPSS statistics 20.0. The dataset had a highly reliable reliability coefficient of 0.941, as revealed by the reliability tests. Factor analysis was also conducted to confirm the factors used in the research. Multiple regression analysis was used to determine the effect of the factors on the dataset.

Organizational Interventions for Stress Mitigation: A Study of Software Companies in the Mumbai Metropolitan Region

2026-04-02T14:28:22+00:00

Purpose: This study examines organisational interventions adopted to mitigate workplace stress among software professionals in the Mumbai Metropolitan Region.
Methodology: A descriptive research design was adopted. The data were analysed using percentage analysis, mean score analysis, correlation analysis, and multiple regression techniques. Data were analysed using percentage analysis, mean score analysis, correlation analysis, and multiple regression techniques.
Findings: Flexible working hours, remote work arrangements, wellness programs, and team-building activities were identified as key organizational interventions that help reduce stress levels. Flexible working hours, remote work arrangements, wellness programmes, and team-building activities were identified as key organisational interventions that help reduce stress levels. However, formal counselling and psychological support services were found to be less widely utilised among employees.
Conclusion: The study emphasises the importance of integrating employee well-being into organisational strategy through supportive leadership, flexible work policies, and wellness initiatives to enhance employee satisfaction and organisational productivity.
Future Research: Future research may extend the scope of this study by examining stress mitigation practices in other regions and industries within India. Longitudinal studies may also be conducted to evaluate the long-term effectiveness of organisational stress management programmes and their impact on employee well-being, organisational commitment, and job performance.

A Systematic Review of Foreign Remittances and Economic Growth in Developing Countries

2026-04-02T14:28:22+00:00

This systematic review investigates the relationship between foreign remittances and the economic growth of developing nations. This review also aimed to synthesise the empirical evidence of foreign remittances and economic growth indicators, such as gross domestic product, consumption, investments, savings, and other social factors. This study used the Preferred Reporting Items for Systematic Reviews and Meta-Analyses guidelines, and related studies were identified using the Social Science Research Network database. The inclusion criteria focused on empirically based peer-reviewed articles between 2012 and 2025 evaluating remittance flows and macroeconomic impacts. The reviews indicate that foreign remittances positively influence economic growth in developing economies. Economic growth is spurred by human resource development, expansion of the real estate sector, and rising consumption. However, the banking sector plays a vital role in channelling remittances toward productive uses. Foreign remittances have emerged as an important driver of economic growth and human development in developing countries with large labour markets. Future studies should shed light on the sustainability of these effects and the evolving role of artificial intelligence in the labour markets of developed countries providing employment.

Job Satisfaction of Healthcare BPO Employees: Evaluating Key Influencing Factors in Chennai

2026-04-08T12:07:57+00:00

Purpose: This study rigorously assesses the factors influencing job satisfaction among healthcare BPO employees in Chennai. The research investigates the impact of work environment, compensation, career advancement prospects, and work-life balance on employee satisfaction, particularly within this sector, which is characterised by high turnover and burnout rates.
Methodology: A quantitative study design was employed to survey 368 employees from various healthcare BPOs in Chennai to attain these objectives. The data were analysed using descriptive statistics, analysis of variance, Pearson ’scorrelation, and multiple regression to assess the relationship between work satisfaction and the proposed factors.
Key Results: The empirical results indicate that all four antecedents substantially influence job satisfaction. The primary determinants of satisfaction are work-life balance and opportunities for professional development, although remuneration and work environment notably enhance contentment. Increased satisfaction with these criteria is correlated with elevated organizational commitment and diminished intention to depart.
Conclusion: The survey results indicate that work–life balance and defined career advancement are essential for enhancing employee satisfaction in healthcare BPOs. These tactics can diminish attrition and enhance engagement.
Future Research Directions: Future research could broaden this scope by examining the long-term effects of these factors on staff retention and performance. Moreover, additional investigations should examine the impact of distant work structures and supplemental organizational support systems within the healthcare BPO sector.