The ‘Journal of banking, Information Technology and Management’ is a bi-annual publication of Research Development Research Foundation, Jaipur, India. It is a professional journal with the objective to disseminate the concepts in the areas of Banking, finance, information technology and management in particular. The ‘Journal of banking, Information Technology and Management’ is research journal published in July and December every year. It is a refreed International Peer- reviewed journal with the review process being double blind. It contributes to a better understanding of the content, resources, structures, systems, processes and performance of the organizations and financial institutions. Its focus is on applied research and reflections that are relevant to banking professionals, financial analysts, IT professionals, and practicing managers. It encourages applied and theme-based field research for researchers, practitioners and academicians in the related areas to meet the standards of academic rigour & share their vast repository of knowledge and information. It has a special emphasis on banking, accounting, finance and management issues that are relevant to emerging economies.