paper also explores various products and services of retail banking and the benefits-difficulties of using technology in … collection.The study throws light on various products and services that continue to be part of retail banking. Technology has … been taken, which has transformed banking services from the root level. Two top banks, HDFC and ICICI have been selected …

can be measured through the multi-faceted construct of innovation efficiency. While researchers recently have started … investigating factors and practices fostering innovation efficiency, the fact that radical and incremental innovations require … different structures and approaches has not been considered yet. This study, therefore, merges the innovation efficiency …