One of the main features of modern banking is online banking. Online banking helps people to carry out transactions such as paying bills, checking their account balance, and transferring money online. The aim of the study was to find out more about the usage of online banking by the people in Palghar city. The research was conducted using primary data collected from 121 respondents using a structured questionnaire. The main aim of the study was to assess the level of awareness and usage, satisfaction levels, and challenges associated with the usage of online banking services. From the study, it was evident that most people using the questionnaire were aware of online banking and used the service frequently because it was easy to use and gave them access to the service. However, the service was also associated with some challenges such as insecurity, poor internet connection, and a lack of knowledge about technology. The research indicated that a large number of people in Palghar city used online banking. Establishing trust and promoting the safe and effective usage of online banking services would be achieved by enhancing the security features, providing training, and creating awareness.

This study examines the level of awareness, perception, and investment behaviour regarding green bond investments among citizens of Mumbai. Green bonds, as instruments of sustainable finance, play a crucial role in funding environmentally friendly projects such as renewable energy, environmental protection measures and efforts to address climate-related issues. The study aims to analyse the extent of public awareness, understand investor perception, and evaluate the relationship between awareness and investment behaviour. A descriptive research design was adopted, and primary data was collected through a structured questionnaire from 81 respondents. The data was analysed using percentage method, tabular representation, and graphical tools. The findings reveal that while respondents possess a moderate to high level of awareness regarding green bonds, detailed understanding remains limited. It was also observed that awareness significantly influences investment decisions, and lack of information acts as a major barrier. The study concludes that increasing financial literacy, awareness campaigns, and institutional support can enhance public participation In green bond investments and promote sustainable financial growth.

The vision of Viksit Bharat 2047 focus on India as a developed nation with an aim to develop financial markets and whole economy. An important component of this vision is the development of the financial sector. Merchant banking is responsible for increasing economic growth, infrastructure development, and financial growth. This paper explores the working of merchant banking in the respect of Vision Viksit Bharat 2047, focusing on its contributions to capital formation, infrastructure financing, mergers and acquisitions (M&A), and advisory services. Through the analysis of selected banks, the paper evaluates the current scenario, challenges, and potential strengths to enhance the effectiveness of merchant banking in achieving this national goal of viksit bharat 2047. As India aims to become a developed nation by 2047, the efficiency and customer satisfaction within the banking sector, particularly in merchant banking, are crucial. Through a survey of 20 respondents and secondary data analysis, this paper examines the challenges, opportunities, and customer experiences related to merchant banking services, drawing insights into how these services can contribute to the realization of Vision– Viksit Bharat 2047.

This study examines the level of Customer Relationship Management (CRM) awareness among small retailers. CRM is an important strategy that helps businesses maintain strong customer relationships and improve overall performance. Small retailers mainly depend on repeat customers and personal interaction, but many still use traditional methods for managing customer information. The objective of this study is to analyse CRM awareness, existing customer relationship practices, and the challenges faced by small retailers. The research follows a descriptive research design, and primary data was collected through questionnaires from selected shop owners. A total of 15 shops were surveyed from the Ramnagar and Dattanagar areas. The sample included different types of retail businesses such as medical stores, grocery shops, mobile shops, garment stores, and stationery shops, with three shops selected from each category. According to the results, the majority of respondents had a favorable opinion of CRM practices including keeping track of customers, interacting frequently, and offering quality service. Many merchants think that being courteous, keeping in mind the preferences of their customers, and promptly addressing concerns all contribute to the development of long-term relationships, customer loyalty, and trust. While the F-test (p > 0.05) reveals no significant variance within business experience groups, statistical results suggest a significant difference in CRM procedures and complaint management across business types (ANOVA, p < 0.05). The findings indicate that most retailers understand the importance of maintaining good customer relationships, proper communication, and basic record management. However, awareness about advanced digital CRM tools remains limited due to lack of technical knowledge, financial constraints, and limited exposure to modern technology.

The importance of green lifestyles and environmentally friendly consumption behaviors is increasingly attracting the attention of many people, especially Gen Z. On a large scale in India , handmade bamboo products have always been considered famous traditional products with a strong growth market, and today's young people are extremely interested in such environmentally friendly products. The present study aims to focus on the relationship between green lifestyle and Generation Z's purchase behavior towards handmade bamboo products in Palghar district. Through a survey of 98 Gen Z consumers, quantitative data was processed. The research results emphasize the direct positive impact of green lifestyle on consumer behavior of handmade bamboo products in Palghar. A quantitative research design using a structured questionnaire was adopted to collect primary data from youth consumers in Palghar district. The findings suggest that environmental consciousness and perceived product quality significantly influence purchase intention, while lack of awareness and limited market availability act as barriers. The study provides insights for policymakers, entrepreneurs, and self-help groups involved in bamboo product manufacturing to improve marketing strategies and expand the market for bamboo products.

India’s growing digital economy. With platforms promising delivery in just 10–15 minutes, buying daily essentials has become faster and easier than ever. This shift is not limited to big metropolitan cities—it is now clearly visible in tier-2 cities like Vasai, Maharashtra. With a population of over 1.3 million, Vasai represents a mix of middle-class households, working professionals, and daily wage earners. Its strategic location near Mumbai, combined with high smartphone usage and affordable internet access, has made it an ideal environment for the growth of quick commerce services.While quick commerce has been widely studied in large cities, there is limited research focusing on smaller urban areas like Vasai.

The retail landscape in the Pune region is undergoing a period of significant uncertainty, characterized by a decline in physical foot traffic and declining daily sales due to the rapid rise of web-based shopping. This study proposes and investigates the Hybrid Resilience Theory, which posits that the long-term survival of small-scale retailers depends on a strategic integration of social capital with digital efficiency. Utilizing a mixed-methods approach and concurrent triangulation, the research examines how traditional strengths—specifically personal trust, indigenous credit systems, and long-term customer relationships—act as a "competitive moat" against the pricing advantages of global digital giants. The study analyzes a decade of market evolution from 2015 to 2025, capturing shifts in consumer behavior across urban, semi-urban, and rural clusters, including Kothrud, Deccan, and Pimpri-Chinchwad. Quantitative analysis involving multiple regression and ANOVA is used to measure the "Trust-Premium," testing the hypothesis that social bonds and personalized service are stronger predictors of customer loyalty than simple price discounts. Preliminary literature reviews suggest that while digital disruption is a major threat, nearly 88% of India's retail remains unorganized and reliant on these personal links. The findings are expected to reveal a "digital ceiling" where the sensory experience and human touch of physical markets outweigh the convenience of apps for specific consumer needs. Ultimately, this research provides a practical roadmap for merchants to adopt tools like UPI and WhatsApp outreach while preserving the traditional "bazaar wisdom" that supports the socio-economic fabric of Maharashtra.