Bachelor of Commerce

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http://rcca.ndl.gov.in/handle/123456789/531

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Adoption of Instant Mobile Payment Systems: A Study of Users and Non – Users in Salcete
(DR. LORRAINE R. GOMES, 2026) MERVYN ANTONIO FRANCIS PEREIRA; MYRON GOMES; PERSIS SALLY LUIS; PRATIKSHA SHRIKANT BHATKANDE; SANCIA RODRIGUES
The rapid growth of digital technology has transformed financial transactions in India, particularly through instant mobile payment systems such as UPI. This study examines the adoption of instant mobile payment systems among users and non-users in Salcete Taluka, Goa. The objective is to analyse awareness levels, usage patterns, demographic influences, and the key factors that encourage or discourage individuals from adopting digital payments. The study follows a descriptive and analytical research design. Primary data was collected through a structured online questionnaire from 363 respondents across different age groups, occupations, and educational backgrounds. Secondary data was gathered from journals, reports, and credible online sources. Statistical analysis was conducted using Jamovi and Microsoft Excel. The findings reveal a very high level of awareness, with a majority of respondents actively using mobile payment applications. Adoption is highest among the 18–35 age group, students, and employed individuals. Digital literacy and perceived safety strongly influence perceived usefulness and adoption. However, lack of digital skills, fear of fraud, and preference for cash continue to discourage some individuals, especially senior citizens and less digitally exposed groups. The study concludes that while instant mobile payment systems are widely accepted, improving digital literacy, strengthening security measures, and building user trust are essential for achieving broader and more inclusive adoption.
Customer Perception towards Sustainable Packaging in the E-Commerce Industry: A Study
(ASST. PROF. ANCY GONSALVES, 2026) MELVITO MONTEIRO; VENFO MIRANDA; SHRUTI DEREKAR; VAIBHAVI HANJI; VEDIKA SALGAONKAR
This study examines customer perception towards sustainable packaging in the e-commerce industry. It focuses on awareness, attitudes, and preferences for eco-friendly packaging practices. With the rapid growth of online shopping, packaging waste has become an environmental problem, prompting businesses to adopt environmentally friendly, sustainable alternatives. The research aims to validate a structured measurement model that captures how customers view sustainable packaging and to identify the key factors influencing these perceptions. Primary data were collected through a structured questionnaire administered to 134 respondents. The study employed Descriptive Analysis and Confirmatory Factor Analysis (CFA) to evaluate seven core dimensions: protection, promotion, preference, ethical, responsibility, awareness, convenience and initiative. The findings indicate that customers show strong environmental awareness and generally support sustainable packaging practices. The statistical model demonstrated acceptable reliability and validity, confirming that customer perception is multi-dimensional and measurable. The study concludes that sustainable packaging can positively shape consumer attitudes and enhance brand trust and loyalty when effectively communicated. These insights provide practical guidance for e-commerce businesses seeking to align environmental responsibility with customer expectations. Overall, the research highlights the growing importance of sustainable packaging as both a consumer-driven and business-relevant strategy for long-term development.
CUSTOMER PREFERENCES TOWARDS BLINKIT SERVICES: A CASE STUDY IN SALCETE TALUKA
(ASST. PROF. NAMRATA HALDANKAR, 2026) BIBI ZARA SHAIKH; DIKSHITA NAIK; RIZEL TERESA SILVA; ROCHELL FERNANDES; SANJANA SHAJI
This project examines customer behavior, satisfaction, and usage patterns on the Blinkit platform. A survey of 168 respondents revealed that the majority are young adults, predominantly students, and mostly female, with most households belonging to lower income groups. The study highlights that Blinkit’s main strength lies in its fast and reliable delivery, which is highly valued for urgent needs, emergencies, late nights, or unfavorable weather. Convenience, dependable packaging, and smooth operations further enhance user satisfaction, while pricing, promotions, and product variety play a secondary role in influencing customer decisions. The findings indicate that most users are relatively new to the platform, access it weekly, and intend to continue using it, reflecting strong loyalty. However, product availability and inconsistent promotional offers were identified as areas needing improvement. Based on these insights, the study recommends improving inventory management, offering consistent promotions, maintaining competitive pricing, introducing loyalty programs, and expanding marketing to reach older users and promote underutilized product categories. Overall, Blinkit is perceived as a convenient, time-saving service that effectively meets urgent customer needs. Its instant delivery promise remains the key factor driving preference and satisfaction, establishing it as a trusted and essential platform for modern consumers.
Factors Influencing Sustainable Consumption: An Empirical Analysis of Consumer Behavior in Salcete
(DR. LORRAINE. R. GOMES, 2026) KHUSHI PRAVIN PATEL; MERRIFA SILVA; NAITI DAMODAR DHOLU; SALANE VALANKA OLIVEIRA; SEYZEL PINTO
Sustainable consumption has emerged as an important area of study due to rising environmental concerns, changing lifestyles, and increasing health awareness. The present study titled “Factors Influencing Sustainable Consumption: An Empirical Analysis of Consumer Behaviour in Salcete” examines consumer awareness, attitudes, and consumption patterns related to organic food products in Salcete taluka of Goa. The research primarily aims to analyse the impact of demographic factors on awareness and consumption of organic products, and to evaluate the influence of environmental awareness, health consciousness, cultural influences, and purchase and spending behaviour on consumption frequency. The study is based on primary data collected from 165 respondents using a structured questionnaire designed on a Likert scale. Descriptive statistics, percentage analysis, correlation, and multiple regression techniques were employed for data analysis. The findings reveal a very high level of awareness of organic food products across demographic categories. However, consumption is predominantly occasional rather than regular. Correlation results indicate significant positive relationships between consumption frequency and factors such as health consciousness, environmental awareness, cultural influences, and purchase and spending behaviour. Regression analysis highlights purchase and spending behaviour and cultural influences as the most significant predictors of consumption frequency
The role of AI-powered chatbots in e-commerce customer experience : An empirical study
(ASST. PROF. DEEPA V. DHUMATKAR, 2026) AYUSHI RAMINA; DIYA PATEL; FERNANDES EDEN; KIRAN DAS; MEAVOR MORAES
This study was undertaken to examine how AI-powered chatbots influence customer experience in e-commerce platforms such as Amazon and Flipkart. The research aimed to evaluate the effectiveness of chatbots in delivering personalised experiences, identify their key benefits and challenges, analyse their impact on customer trust and perceived value and assess overall customer satisfaction. The study holds significance as it provides empirical insights for e-commerce businesses to strategically use chatbot technology to strengthen customer relationships and gain competitive advantage. Primary data were collected from 200 respondents through a structured questionnaire administered both online and personally. A combination of purposive, convenience, stratified, and snowball sampling techniques ensured representation across diverse demographic groups. The findings revealed that most respondents belonged to younger age group, indicating strong engagement among active online shoppers. Users largely perceived chatbot interfaces as easy and efficient, particularly valuing instant, round-the-clock support. While personalisation and speed positively influenced satisfaction and loyalty, trust levels remained moderate and technical errors were identified as a major challenge. Overall, AI chatbots have established a strong foundation in e-commerce customer service, though improvements in response relevance and system reliability are essential for enhanced satisfaction.
THE IMPACT OF FINANCIAL CONSTRAINTS ON THE PURCHASE OF COSMETICS: A STUDY
(ASST. PROF. ANCY GONSALVES, 2026) NAZIYA ANSARI; SUNITA HUBALI; SHABNAM HATTIMATTUR; SLAVIKA FERNANDES; CRASHEL TAINA VAS
The impact of word of mouth on consumer choice of fast food outlets in South Goa
(ASST. PROF. DEEPA V. DHUMATKAR, 2026) ALAN CORREIA; ANSH BANDEKAR; KATE VAZ; ALLOYSIA DE SA; ASMA BI
This study was conducted to examine how word of mouth influences consumer preferences and decision-making while selecting fast-food outlets in South Goa. The objectives were to analyse consumer preferences, assess the impact of word of mouth on outlet choice, understand perceptions shaped by informal communication, and identify the primary sources influencing consumers. The significance of the study lies in highlighting how personal recommendations, shared experiences, and peer opinions function as a powerful marketing force in the local context, offering practical insights for outlet owners and contributing to regional consumer behaviour literature. Primary data was collected from 300 customers who frequented fast-food outlets in South Goa using a structured questionnaire administered both online and personally. The study adopted snowball, convenience, stratified, and purposive sampling techniques to ensure representation across age, income, education, occupation, and residential background. The findings revealed that younger consumers, students, and working professionals formed the dominant segment, with family and friends emerging as the most trusted source of information. Face-to-face communication was the most preferred form of word of mouth, and food quality remained the primary selection criterion. Overall, word of mouth was found to be extremely influential in shaping consumer perceptions and outlet choice.
YOUTH PERCEPTION OF STREET FOOD: A CASE STUDY IN SALCETE TALUKA
(ASST. PROF. NAMRATA HALDANKAR, 2026) MOHAMMED MAAZ SHAIKH; UTTKARSHA SANJAY ARJUN; JENNYLEE MARIA DIAS; DIVYA SHRIKANT BAND; FERNANDES ORRIN SAVIO
This study examines consumer behaviour, perceptions, and concerns regarding street food consumption. Findings show that street food is especially popular among young adults, particularly students, with females forming the majority of respondents. Taste is the main factor influencing preference, followed by cost and convenience. Most respondents consume street food weekly, primarily as snacks, often in social settings, and typically purchase it from market areas or near educational institutions. Despite its popularity, hygiene and food safety remain significant concerns. While many respondents are aware of safety standards, confidence in vendors’ adherence is moderate. Street food is generally considered less safe than home-cooked or restaurant food, with unhygienic practices, unsanitary surroundings, and improper food storage identified as key issues. Although most respondents do not regularly associate street food with health problems, a notable proportion have experienced health issues after consumption. Social media and online reviews influence choices to some extent but are not the primary factor. The study concludes that street food remains widely enjoyed for its taste, affordability, and social appeal. To enhance safety and consumer confidence, it is recommended that vendors maintain hygiene, adopt safe storage practices, provide nutritional information, and that authorities implement regular training, monitoring, and consumer awareness programs.

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