https://sdm.ac.in/elibrary/xmlui/handle/123456789/368 Tue, 07 Jul 2026 07:51:45 GMT 2026-07-07T07:51:45Z https://sdm.ac.in/elibrary/xmlui/handle/123456789/3453 Digital Finance Revolution: Evaluating its Effects on Inclusive Financial System Hegde, Sowmya; K, Kavyashree Over the past few years, there has been notable progress in India’s efforts to enhance financial inclusion.The impact of adopting Digital Financial Services (DFS) has been on the rise, reflecting the Government of India’s ongoing commitment to extending financial services to those who are traditionally underserved in the banking sector. To expand financial inclusion and create a secure operational atmosphere for digital financial businesses, India should aim to reach out to the underserved sections of its population. With this regard,this research explores the profound impact of adopting DFS on Financial Inclusion (FI), a topic of increasing significance in today’s global economy. The research employs a comprehensive approach, encompassing both quantitative and qualitative analyses, drawing upon primary and secondary data sources. A key dimension under scrutiny includes access to technology, trust and security, transaction cost, product offerings and digital literacy of digital financial service adoption. By surveying through a questionnaire, primary data is collected from 510 respondents. The study used a cross-sectional research design. The data underwent cleaning and analysis using the statistical technique of structural equation modelling to investigate the association among the constructs and variables. The finding of the study indicates that adopting DFS has a significant impact on financial inclusion and it mitigates the traditional barriers to financial inclusion such as physical distance, documentation requirements and transaction costs. The study contributes to the evolving discourse on financial inclusion by shedding light on the multifaceted impact of adopting digital financial services. Mon, 01 Jan 2024 00:00:00 GMT https://sdm.ac.in/elibrary/xmlui/handle/123456789/3453 2024-01-01T00:00:00Z https://sdm.ac.in/elibrary/xmlui/handle/123456789/3452 Association Between Demographic Characteristics and Key Competency Components in Diverse Work Environments Hegde, Sowmya; P, Vedava This study examines the relationship between demographic characteristics and key competency components among employees in IT work environments in India. A total of 292 respondents were selected using purposive sampling to ensure balanced representation. The research investigates core, behavioural, and functional competencies in relation to demographic variables such as age, gender, educational qualification, job experience, marital status, income, and designation. Data was gathered through a structured questionnaire and analyzed using statistical tools, including Fisher’s Exact Test and ANOVA. The findings reveal significant associations between age, marital status, work experience, level of designation, and monthly income with various competency components. ANOVA results confirm statistically significant differences in competencies across age groups, marital status, work experience levels, income brackets, and designations. However, no significant difference was found between educational qualification and competency levels. The study highlights the critical role of demographic diversity in shaping workforce competencies and emphasizes the need for tailored training and development programs to enhance employee performance. These findings provide valuable insights for HR managers and organizational leaders to design competency-building strategies that align with employee profiles and organizational goals Wed, 01 Jan 2025 00:00:00 GMT https://sdm.ac.in/elibrary/xmlui/handle/123456789/3452 2025-01-01T00:00:00Z https://sdm.ac.in/elibrary/xmlui/handle/123456789/3451 Relationship between Competencies and Demographic Variables of the Employees: Competency Mapping of Private Sector Bank Hegde, Sowmya It is well acknowledged that skilled labour is essential to the success of every organisation. For bank personnel to continue to be competent the bank needs employees with a wide variety of knowledge, skills, and talents.Additionally, the socioeconomic background of the employees has a big impact on employee competencies. The main purpose of the study is to find out any notable variations in competence across the major demographic variables of the employees. The study also aims to determine the discrepancy between the actual and expected levels of competencies. The study was limited only to Dakshinakannada and Udupi district of Karnataka. The study revealed that demographic variables have a strong influence on the different variables of competencies. Among the four dimensions of competences selected for the study viz; personal competencies, selling competencies, communication skill and customer relationship management, selling competencies shows highest gap. The study has practical implications and useful suggestions to fill the discrepancies between actual and expected level of competencies Thu, 01 Dec 2022 00:00:00 GMT https://sdm.ac.in/elibrary/xmlui/handle/123456789/3451 2022-12-01T00:00:00Z https://sdm.ac.in/elibrary/xmlui/handle/123456789/3450 Employee Competencies and Organisational Performance:A study in a Petrochemical Company Hegde, Sowmya; P, Vedava Thu, 01 Jan 2026 00:00:00 GMT https://sdm.ac.in/elibrary/xmlui/handle/123456789/3450 2026-01-01T00:00:00Z