Volume 6, Issue 4 (III) ISSN 2394 - 7780 October - December 2019 International Journal of Advance and Innovative Research (Special Issue) Indian Academicians and Researchers Association www.iaraedu.com NATIONAL SEMINAR on Emerging Technological Trends in Banking, Insurance, Finance & Marketing Organized by DEPARTMENT OF COMMERCE AND MANAGEMENT ROOTS DEGREE COLLEGE HYDERABAD In Collaboration With Saturday, 26th October, 2019 Publication Partner Indian Academicians and Researcher’s Association Roots Degree College Hyderabad, Telangana ABOUT COLLEGE ROOTS Collegium was setup in the year 2008 with the strategic vision of providing management education to undergraduate and postgraduate students.ROOTS Degree College is ranked 2nd top BBA institute in Hyderabad by the TIMES OF INDIA Education survey. ROOTS management education is imparted by eminent faculty with experience both in industry and academics ABOUT IARA Indian Academicians and Researchers Association (IARA) is an educational and scientific research organization of Academicians, Research Scholars and practitioners responsible for sharing information about research activities, projects, and conferences to its members. IARA offers an excellent opportunity for networking with other members and exchange knowledge. It also takes immense pride in its services offerings to undergraduate and graduate students. Students are provided opportunities to develop and clarify their research interests and skills as part of their preparation to become faculty members and researcher. Visit our website www.iaraedu.com for more details. ABOUT SEMINAR Roots Collegium in association with Osmania University with the aim to create a platform for promoting interdisciplinary research among academicians and professional invites prospective authors to submit full text papers from broad field of management. The Conference aims to highlight emerging technological trends in the fields of commerce and management. Research findings, innovations, creative problem solving approaches and technology applications in management will be topics for discussion and new learning. It will be a dynamic platform to share and exchange the most advanced knowledge and experience from academia and industry. A BRIEF ABOUT ORGANIZING COMMITTEES CHIEF PATRONS Sri. B P Padala Chairman, Roots Collegium PATRONS Smt. Dr. B Swathi Principal, Roots Degree College CONVENER Prof. A V Lakshmi Brinda FACULTY COORDINATORS Prof. Amit Indurkar Prof. M. Pavitrambika Prof. Usha Prof. Meenakshi International Journal of Advance and Innovative Research Volume 6, Issue 4 ( III ): October - December 2019 Editor- In-Chief Dr. Tazyn Rahman Members of Editorial Advisory Board Mr. Nakibur Rahman Dr. Mukesh Saxena Ex. General Manager ( Project ) Pro Vice Chancellor, Bongaigoan Refinery, IOC Ltd, Assam University of Technology and Management, Shillong Dr. Alka Agarwal Dr. Archana A. Ghatule Director, Director, Mewar Institute of Management, Ghaziabad SKN Sinhgad Business School, Pandharpur Prof. (Dr.) Sudhansu Ranjan Mohapatra Prof. (Dr.) Monoj Kumar Chowdhury Dean, Faculty of Law, Professor, Department of Business Administration, Sambalpur University, Sambalpur Guahati University, Guwahati Dr. P. Malyadri Prof. (Dr.) Baljeet Singh Hothi Principal, Professor, Government Degree College, Hyderabad Gitarattan International Business School, Delhi Prof.(Dr.) Shareef Hoque Prof. (Dr.) Badiuddin Ahmed Professor, Professor & Head, Department of Commerce, North South University, Bangladesh Maulana Azad Nationl Urdu University, Hyderabad Prof.(Dr.) Michael J. Riordan Dr. Anindita Sharma Professor, Dean & Associate Professor, Sanda University, Jiashan, China Jaipuria School of Business, Indirapuram, Ghaziabad Prof.(Dr.) James Steve Prof. (Dr.) Jose Vargas Hernandez Professor, Research Professor, Fresno Pacific University, California, USA University of Guadalajara,Jalisco, México Prof.(Dr.) Chris Wilson Prof. (Dr.) P. Madhu Sudana Rao Professor, Professor, Curtin University, Singapore Mekelle University, Mekelle, Ethiopia Prof. (Dr.) Amer A. Taqa Prof. (Dr.) Himanshu Pandey Professor, DBS Department, Professor, Department of Mathematics and Statistics University of Mosul, Iraq Gorakhpur University, Gorakhpur Dr. Nurul Fadly Habidin Prof. (Dr.) Agbo Johnson Madaki Faculty of Management and Economics, Faculty, Faculty of Law, Universiti Pendidikan Sultan Idris, Malaysia Catholic University of Eastern Africa, Nairobi, Kenya Dr. Neetu Singh Prof. (Dr.) D. Durga Bhavani HOD, Department of Biotechnology, Professor, Mewar Institute, Vasundhara, Ghaziabad CVR College of Engineering, Hyderabad, Telangana Prof. (Dr.) Shashi Singhal Prof. (Dr.) Aradhna Yadav Professor, Professor, Amity University, Jaipur Krupanidhi School of Management, Bengaluru Prof. (Dr.) Alireza Heidari Prof.(Dr.) Robert Allen Professor, Faculty of Chemistry, Professor California South University, California, USA Carnegie Mellon University, Australia Prof. (Dr.) A. Mahadevan Prof. (Dr.) S. Nallusamy Professor Professor & Dean, S. G. School of Business Management, Salem Dr. M.G.R. Educational & Research Institute,Chennai Prof. (Dr.) Hemant Sharma Prof. (Dr.) Ravi Kumar Bommisetti Professor, Professor, Amity University, Haryana Amrita Sai Institute of Science & Technology, Paritala Dr. C. Shalini Kumar Dr. Syed Mehartaj Begum Principal, Professor, Vidhya Sagar Women’s College, Chengalpet Hamdard University, New Delhi Prof. (Dr.) Badar Alam Iqbal Dr. Darshana Narayanan Adjunct Professor, Head of Research, Monarch University, Switzerland Pymetrics, New York, USA Prof.(Dr.) D. Madan Mohan Dr. Rosemary Ekechukwu Professor, Associate Dean, Indur PG College of MBA, Bodhan, Nizamabad University of Port Harcourt, Nigeria Dr. Sandeep Kumar Sahratia Dr. P.V. Praveen Sundar Professor Director, Sreyas Institute of Engineering & Technology Shanmuga Industries Arts and Science College Dr. S. Balamurugan Dr. Manoj P. K. Director - Research & Development, Associate Professor, Mindnotix Technologies, Coimbatore Cochin University of Science and Technology Dr. Dhananjay Prabhakar Awasarikar Dr. Indu Santosh Associate Professor, Associate Professor, Suryadutta Institute, Pune Dr. C. V.Raman University, Chhattisgath Dr. Mohammad Younis Dr. Pranjal Sharma Associate Professor, Associate Professor, Department of Management King Abdullah University, Saudi Arabia Mile Stone Institute of Higher Management, Ghaziabad Dr. Kavita Gidwani Dr. Lalata K Pani Associate Professor, Reader, Chanakya Technical Campus, Jaipur Bhadrak Autonomous College, Bhadrak, Odisha Dr. Vijit Chaturvedi Dr. Pradeepta Kishore Sahoo Associate Professor, Associate Professor, Amity University, Noida B.S.A, Institute of Law, Faridabad Dr. Marwan Mustafa Shammot Dr. R. Navaneeth Krishnan Associate Professor, Associate Professor, King Saud University, Saudi Arabia Bharathiyan College of Engg & Tech, Puducherry Dr. Mahendra Daiya Dr. G. Valarmathi Associate Professor, Associate Professor, JIET Group of Institutions, Jodhpur Vidhya Sagar Women's College, Chengalpet Dr. Parbin Sultana Dr. M. I. Qadir Associate Professor, Assistant Professor, University of Science & Technology Meghalaya Bahauddin Zakariya University, Pakistan Dr. Kalpesh T. Patel Dr. Brijesh H. Joshi Principal (In-charge) Principal (In-charge) Shree G. N. Patel Commerce College, Nanikadi B. L. Parikh College of BBA, Palanpur Dr. Juhab Hussain Dr. Namita Dixit Assistant Professor, Associate Professor, King Abdulaziz University, Saudi Arabia ITS Institute of Management, Ghaziabad Dr. V. Tulasi Das Dr. Nidhi Agrawal Assistant Professor, Assistant Professor, Acharya Nagarjuna University, Guntur, A.P. Institute of Technology & Science, Ghaziabad Dr. Urmila Yadav Dr. Ashutosh Pandey Assistant Professor, Assistant Professor, Sharda University, Greater Noida Lovely Professional University, Punjab Dr. M. Kanagarathinam Dr. Subha Ganguly Head, Department of Commerce Scientist (Food Microbiology) Nehru Arts and Science College, Coimbatore West Bengal University of A. & F Sciences, Kolkata Dr. V. Ananthaswamy Dr. R. Suresh Assistant Professor Assistant Professor, Department of Management The Madura College (Autonomous), Madurai Mahatma Gandhi University Dr. S. R. Boselin Prabhu Dr. V. Subba Reddy Assistant Professor, Assistant Professor, SVS College of Engineering, Coimbatore RGM Group of Institutions, Kadapa Dr. A. Anbu Dr. R. Jayanthi Assistant Professor, Assistant Professor, Achariya College of Education, Puducherry Vidhya Sagar Women's College, Chengalpattu Dr. C. Sankar Dr. Manisha Gupta Assistant Professor, Assistant Professor, VLB Janakiammal College of Arts and Science Jagannath International Management School Copyright @ 2019 Indian Academicians and Researchers Association, Guwahati All rights reserved. No part of this publication may be reproduced or transmitted in any form or by any means, or stored in any retrieval system of any nature without prior written permission. Application for permission for other use of copyright material including permission to reproduce extracts in other published works shall be made to the publishers. Full acknowledgment of author, publishers and source must be given. The views expressed in the articles are those of the contributors and not necessarily of the Editorial Board or the IARA. Although every care has been taken to avoid errors or omissions, this publication is being published on the condition and understanding that information given in this journal is merely for reference and must not be taken as having authority of or binding in any way on the authors,