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A case study on consumer behavior at decathlon
(New Horizon College of Engineering, 2026) SPOORTY A HOSAMANE 1NH24BA158
The present study is about analyzing the effect of advertisement on consumer behavior, particularly referring to Decathlon Sports India Pvt. Ltd. This study shows how important it is to make customers aware of the brands and also change their perception and loyalty towards the brands. Decathlon is one of the largest sporting goods retailers in the world, known for providing affordable and quality products that include sports equipment, apparel and accessories for various sports categories. Decathlon uses an integrated business strategy, which includes designing, manufacturing, distributing and selling through its own in-house brands like Quechua, Kalenji, Domyos, Kipsta, and B’Twin. Affordability, innovation, customer satisfaction and sustainability are some of the important strategies of the organization.
A comparative analysis in investment of stocks & mutual funds
(NHCE, 2025) Jashna Rani Muduli 1NH22BA055
This study titled "A Comparative Analysis in Investment of Stock and Mutual Fund" investigates the productivity as well as risk related characters inventory funds managed by five asset management companies (AMCs) in India. 5-Years Returns, Alpha for those years and Beta were analyzed along with Sharpe Ratio and Standard Deviation (SD) of these Indian Balanced Funds to measure the relative performance against a benchmark. Being a detailed study, we believe this report will be beneficial for investors in the mutual fund market to have insights about their competition by understanding appropriate sources of stability and drivers where they can build new strategies. The Indian Mutual Fund industry has come a long way since the first UTI was set up in 1963. The industry has seen many phases of development over the years right from public sector players to private sector entrants and onto consolidation/growth phase which it is currently in. This is important to keep in mind when looking at the environment now as well where these large cap funds operate. The competition among AMCs has led to innovation, and there is a vast range of options available for an investor.
A Comparative Analysis of Active vs Passive Mutual Funds in Terms of Performance and Risk
(New Horizon College of Engineering, 2025) Tharnish Nikil P 1NH23BA165
Mutual fund investments have emerged as a cornerstone of modern portfolio management, offering investors diversified exposure to financial markets through professional fund management. The ongoing debate between active and passive investment strategies has gained significant momentum in recent years, particularly as investors seek to optimize their risk- adjusted returns while minimizing costs. Active mutual funds, overseen by qualified fund managers who attempt to outperform benchmark indices through strategic stock selection and market timing, compete directly with passive funds that simply track market indices with minimal intervention. This comparative analysis becomes particularly relevant the light of the mutual fund sector in India, which has experienced rapid expansion with assets under management exceeding several trillion rupees, making it among the fastest-growing investment avenues for retail and institutional investors.
A Comparative Analysis of Internal V/S External Recruitment Strategies in The It Industry
(NHCE, 2025) SREELAKSHMI V 1NH23BA154
The Information Technology industry in India has emerged as one of the fastest-growing sectors, driving significant economic growth and employment opportunities. With the rapid digital transformation across industries and the increasing demand for skilled technology professionals, IT companies face unprecedented challenges in attracting, hiring, and retaining top talent. This comparative study examines the effectiveness of internal versus external recruitment strategies within the IT sector, focusing on critical performance indicators that determine hiring success. Internal recruitment strategies encompass promotions, lateral transfers, employee referrals, and succession planning initiatives that leverage existing organizational talent pools. These approaches typically emphasize cultural fit, reduced onboarding time, and cost-effectiveness while potentially limiting diversity and fresh perspectives. Conversely, external recruitment strategies involve sourcing candidates from outside the organization through various channels including job portals, campus recruitment, headhunting, and professional networks, offering access to diverse skill sets and innovative thinking while potentially involving higher costs and longer integration periods.
A comparative analysis of public and private sector banks in promoting startup financing and financial inclusion
(NHCE, 2026) DEEPAK.M
One-way countries grow their economy is through banks gathering savings, encouraging investment, moving money around. Lately, India's seen more people launching businesses, using online banking tools - this made funding new ventures and reaching unbanked groups far more urgent. Government-run and privately owned banks now help fuel early-stage companies while bringing accounts, loans to those left out before. Looking at how each type performs, a paper called “Comparative Study of Public and Private Sector Banks in Promoting Startup Financing and Financial Inclusion” checks which does better on tasks that matter - not just financially, but socially too.
A Comparative Study of AI-Based Screening vs Human Interviews in Tech Hiring Processes
(New Horizon College of Engineering, 2025) VIMOCHANA K 1NH23BA178
A comparison of AI-based screening vs human interviews in tech employment reveals the benefits and drawbacks of each technique. AI-based screening increases speed, efficiency, and consistency by automating the initial review of candidates using predetermined criteria such as technical skills, experience, and keyword matching. It is especially adept at managing huge volumes of applications and mitigating early human bias. However, it may ignore soft skills, inventiveness, and contextual cues. In contrast, human interviews provide greater insights into an applicant personality and collaboration abilities. The tech industry is facing a paradigm shift in its recruitment practices, driven by the rapid advancements in Artificial Intelligence (AI). In the context of tech recruitment, this paper compares traditional human interviewing with artificial intelligence-based methods for screening. Our results demonstrate that while AI has numerous advantages in terms of speed, economy, and effectiveness, it also has drawbacks, including biased algorithms and a potential lack of nuanced evaluation.
A comparative study of traditional vs modern logistics system in India
(New Horizon College of Engineering, 2026) POCHA HIMASRI-1NH24BA115
The logistics sector in India has changed significantly in recent years. Earlier, logistics activities mainly depended on manual work, paperwork, and local transport networks. However, the growth of technology and digital systems has completely changed the way logistics operations are managed today. This study compares traditional logistics systems with modern logistics practices used in India and explains how these changes have affected business operations, transportation efficiency, customer service, and supply chain management. (Bhatnagar & Teo, 2021) Earlier logistics systems in India mostly worked through manual coordination and relationship-based business practices. Many operations depended on local agents, brokers, and physical documents for transportation and delivery activities. Communication between supply chain members was slower, and tracking goods during transportation was difficult. On the other hand, present-day logistics systems use technologies such as AI, IoT, GPS tracking, cloud platforms, and automation tools to improve operational efficiency and service quality. (Singh, 2021) This study also explains the differences between traditional and modern logistics systems in areas such as transportation management, warehouse operations, delivery speed, cost control, technology usage, and customer satisfaction. The report highlights how digital transformation has helped logistics companies improve accuracy, reduce delays, and manage supply chain activities more effectively. (Kumar & Singh, 2021)
A comparative study on the usage and perception of E-wallets and traditional banking services among consumers
(New Horizon College of Engineering, 2026) MANSOOR ALI KHAN KHANZADE -1NH24BA094
This research, called “A Comparative Study on the Usage and Perception of E-wallets and Traditional Banking Services Among Consumers,” looks at how people in India are shifting their money habits because digital payments keep growing. Because smartphones spread widely, internet became cheap, national programs pushed digitization, while new finance tech firms emerged - daily transactions changed fast. Technology advances across banks plus rising online tools reshaped what users expect when handling cash. From street vendors to city shops, payments now flow through screens instead of hands - shift sparked by government efforts like Digital India and linked bank accounts via Aadhaar. Rural areas once cut off from banking now tap phones to send money, thanks to programs rolling out basic accounts at massive scale. UPI became the quiet engine beneath it all, letting apps connect directly to banks without delays. People choose quick transfers over cash, pulled in by ease and reach, not persuasion. PhonePe sits alongside Google Pay, each one simplifying how funds move between friends or into stores. Even BHIM, built for simplicity, holds its ground among flashier rivals. Amazon Pay slips into the mix, tying shopping habits to digital taps. What began as policy moves turned into daily habit - no fanfare, just function. Looking at how people see e-wallets versus regular bank services shows a split in usage patterns. Instead of one replacing the other, they often serve different needs. E-wallets gain favor when it comes to quick payments or buying things daily. On the flip side, banks still handle bigger money tasks like saving, borrowing, or moving large amounts safely. People lean on rules and safety records when deciding where to keep funds long term. Even though tapping a phone feels faster, visiting branches or using official transfer systems brings comfort some can’t ignore. Trust builds slowly - especially with serious money moves. So, choices shift based on what is happening, who is involved, and how much risk feels acceptable. Each method fills space the other doesn’t quite reach. A close look at how people use e-wallets versus regular banks forms the core of this work; it digs into habits, comfort, trust, ease, and choices shaped by each method. What stands out often depends on who you are - age, schooling, money earned, job type, where someone lives, or how well they handle tech can tilt decisions one way or another.
A Comparative study on Traditional Marketing vs Digital Marketing
(New Horizon College of Engineering, 2026) GORAVARA SWATHI-1NH23BA058
It starts with how firms reach people - marketing shapes that path by building product visibility, guiding customer conversations, leaving traces in daily choices. Change crept in slowly at first: ads lived on paper, flickered through screens powered by cables, echoed from speakers tied to schedules. Now signals travel faster, shaped by clicks, scrolls, habits formed behind glowing rectangles held in hands all day. Old ways still exist - posters pasted on walls, voices filling airwaves - but new paths dominate attention, shifting where trust forms. A look back shows contrast: one world built on broad broadcasts, another thrives on narrow beams aimed just right. Differences appear not only in tools used but in reactions sparked, decisions swayed, outcomes recorded moment by moment. What works now often didn’t matter much before; timing altered everything, speed rewrote rules nobody saw coming. Each method carries weight, yet responses differ depending on who watches, when they see it, what they do next. This examination compares those two worlds - not to crown a winner, but to trace patterns hidden beneath surface results. Back in the day, companies relied on familiar ways to get their message out. These methods came long before websites changed how ads work. TV spots played during shows, while stations aired short messages between songs. Newspapers carried small write-ups about products nearby. Paper handouts traveled door to door or sat stacked at stores. Big signs stood along roadsides or lit up city corners. Reaching many people at once was always the goal here. Messages spread widely using channels everyone already knew. For years, it helped names stick in customers’ minds across towns and areas. Most people keep believing old-style ads since these show up in trusted places like TV or printed papers. Because it builds real-world visibility, conventional advertising supports firms aiming at seniors or those living far from fast web connections. Not everyone spends hours online - some just flip pages or watch evening news.
A comparative study to analyze the growth of public and private banks
(NHCE, 2025) Gopi Krishna Deekshith K P 1NH22BA041
If banks are to fulfill their strategic goals and sustain a competitive edge over time, they must continuously evaluate and improve both their financial and non-financial performance. This study aimed to assess and compare State Bank of India and HDFC Bank, two Indian financial institutions that measure their performance using four main metrics: financial, client, internal business process, learning, growth, and innovation, as well as social and environmental factors. During the research period, there was no statistically significant difference in the financial, customer, social, or environmental performance between HDFC and SBI. When comparing performance inside the organisation, there is also no statistically significant difference between HDFC and SBI. During the research's last three years (2019–2020, 2020– 21, and 2021–2022), HDFC Bank Got a higher overall performance rating compared to SBI. In an effort to improve it, the financial performance of both banks has been decreased, and non-financial performance improvements have been suggested as a way to further improve that performance.
A Comparitive Analysis Of Internal Vs External Recruitment Strategies
(NHCE, 2025) Jasti Tejaswa Sathwika 1NH23BA051
The recruitment process plays a crucial role in shaping an organization's workforce, ensuring a competitive edge, and fostering growth. This analysis compares the two main recruitment strategies: Internal Recruitment and External Recruitment, examining their advantages, disadvantages, and implications for organizational effectiveness. Internal Recruitment Strategy Internal recruitment involves filling job vacancies with current employees from within the organization. This strategy often includes promotions, transfers, or reassignments. Organizations typically prioritize internal recruitment when aiming to build employee loyalty, capitalize on existing talent, and maintain morale.
A comprehensive financial performance and investment viability analysis of mud ash foodworks Pvt. Ltd
(New Horizon College of Engineering, 2026) SHARATH HEBBAR S -1NH24BA143
This project, titled “A Comprehensive Financial Performance and Investment Viability Analysis of Mud Ash Foodworks Pvt. Ltd.,” was completed as one segment of an MBA curriculum, meant to sharpen real-world skills by working directly with company data. Done while interning at Mud Ash Foodworks Pvt. Ltd. - a growing chain in the quick service food sector - it focused on how money decisions are made inside such businesses. Though rooted in theory, much of the effort came from observing live operations and tracing outcomes back to earlier investments. Because practical exposure mattered more than textbook answers here, time was spent tracking cash flows, profit shifts, and expansion patterns across different outlets. One goal stood out early - seeing whether the business handled cash wisely while asking if expansion paid off. During my time onsite, activities ranged across routine work plus finance duties; counting inventory happened alongside monitoring expense flows, then linking accountant routines step by step. Little by little, understanding grew - not fast, but steady - as daily shifts in figures started making sense, especially places where pace drives outcomes such as eateries serving meals quickly. Every now and then, efficiency shows up where you least expect it. Mud Ash Foodworks Pvt. Ltd. runs tight operations just to stay competitive. Older inventory sees action before newer - thanks to FIFO in practice. Guesswork never makes the cut when orders are shaped by fixed MBQ levels. Working there as a trainee revealed how small choices prevent waste over time. Most locations stick to the same recipes, keeping serving sizes consistent. Since food costs take up much of the budget, tiny oversights can grow costly quickly. When habits in the kitchen are steady, less gets tossed by closing time. The balance between deliveries received and meals served affects results on paper each month. One way to see progress is through the numbers from 2024 into 2025, where performance gets clearer when examined closely. Not simply adding figures together, but using tools such as ratio checks, comparisons next to each other, parts shown in percentages, even watching trends over time helps reveal what actually happened. A noticeable rise in earnings appears, sparked by people wanting more of what's offered and teams doing more types of tasks. With tighter control on spending and operations running less bumpy, results show a fatter bottom line. Though not perfect, the overall picture leans upward.
A Comprehensive Study of Mutual Fund Investments by It Professionals in Bangalore
(NHCE, 2025) R N V GURURAJ NAYAK - 1NH23BA110
The investment habits of information technology (IT) professionals in Bengaluru, which is commonly known as India's Silicon Valley, are thoroughly examined in this study. With a booming IT sector and a financially literate, tech-savvy workforce, Bengaluru represents a significant demographic for financial product adoption, particularly mutual funds. The study identifies how this professional group perceives, approaches, and engages in mutual fund investments while highlighting the main elements affecting their financial decisions. Mutual funds, as collective investment vehicles, offer several advantages, for example, spreading investments across various assets and having them managed by financial experts, liquidity, and ease of access. These traits make them a suitable option for IT professionals who often have disposable income, a higher appetite for risk, and an affinity for technology-driven financial tools. The study found that 88% of respondents were aware of mutual funds, and 59% had already invested in them, primarily favoring equity funds (75%) due to their long-term wealth creation potential.
A comprehensive study of mutual fund investments by it professionals in Bengaluru
(NHCE, 2025) Amrutha 1NH22BA012
A comprehensive study of mutual fund investments by it professionals in Bengaluru: This research explores the investment behaviours and patterns of IT professionals in Bengaluru regarding mutual funds. With the rapid growth of the IT sector and the increasing importance of financial planning, understanding how IT professionals engage with mutual funds is crucial. Through surveys and interviews, this research explores variables affecting risk and investment decisions perceptions, preferred mutual fund categories, and the degree of financial knowledge among IT professionals. Findings suggest a significant inclination towards mutual funds as a preferred investment avenue, driven by factors like long-term financial goals, tax benefits, and diversification. However, the study also highlights gaps in financial knowledge and a demand for customized financial instruction programs. Findings from this study can help policymakers, financial institutions, and employers in designing targeted initiatives to enhance financial literacy and support IT experts in creating knowledgeable investment selections.
A Comprehensive Study of the Complete Fund Accounting Cycle in Asset Management Firms
(New Horizon College of Engineering, 2025) Vanishree V 1NH23BA173
The study "A Comprehensive Study of the Complete Fund Accounting Cycle in Asset Management Firms" delves deeply into the technological, operational, and regulatory aspects of fund accounting. A specialist branch of asset management called fund accounting makes ensuring that investment activities are accurately recorded, valued, and reported. ETFs, hedge funds, mutual funds, and other pooled investment vehicles depend on this function's timeliness and accuracy for day-to-day operations. Understanding the end-to-end execution of fund accounting procedures, the contribution of technology to their efficiency, and the difficulties faced by professionals in upholding accuracy and compliance in a highly regulated financial environment are the goals of this study.
A comprehensive study, enhancing customer relationship management through power bi
(NHCE, 2025) Madhusudan N 1NH22BA075
The milestone project report: Enhancement of Customer Relationship Management in Logistics Industry using Power BI. At a time when data fuelled decision making has risen to the forefront, like so many others within logistics today faces an inflection point of how best to leverage advanced analytics technology in order to enrich customer relationships and grow their business. This study analyses five major logistics companies (Gati Ltd., Mahindra Logistics, VRL Logistics LTD, Depot and FedEx), their CRM strategies along with Power BI integration. This research has several intended objectives. It firstly seeks to assess the current CRM practices in those selected logistics companies, establishing a ground level of knowledge about how customer relationship management is being conducted within industry. This research also assesses the feasibility of Power BI as a CRM process improvement tool, exploring how this cutting-edge business analytics platform has been redefining data visualization, reporting and decision-making in customer relationships. Lastly, it provides an overview of the implementation process as performed by each selected companies and compare it to asses which practices are more effective from them. Finally, the study highlights best practices and pitfalls for deploying Power BI CRM in logistics as well which serves a guidebook to any similar other company should switch on their own roadmaps of digital transformation. The study is exploratory in nature and includes the CRM operations for these five best logistics companies with a specific focus on Power BI. The picture shows many areas within CRM: customer data management, analytics, reporting and decision frameworks. The study examines the interoperability of Power BI with current CRM systems, its effectiveness in supporting operational activities and promoting customer satisfaction and trust. Additionally, the research explores what organizational change is needed to enable successful CRM-related Power BI implementation and usage - such as employee training; data governance policies or changes in corporate culture that supports a shift from intuition-based decisions towards those based on data. A mixed-method approach was used to ensure rich and detailed data are generated through both quantitative and qualitative research methods. The data collection instruments operated structured questionnaires that were distributed to employees in various levels at the organizations, with a view of obtaining information on practical uses of Power BI (in CRM activities) on day-to-day basis. We conducted focused in-depth interviews with company executives to understand their strategic lens while investing and adopting power BI, it's alignment to the overall business goals. Further, secondary data from annual reports, company publications, and research articles were used for background information collection in the verification process. Before that, the data analysis process used a more sophisticated mix of quantitative and qualitative methods to better interpret what was in fact collected. Quantitative data was evaluated using statistical analysis software including SPSS and R, enabling robust tests of hypotheses and trends. Finally, Power BI was up making beautiful and meaningful data visualization - I guess that is what they call it! Narrative data collected from the interviews were analysed using qualitative analysis software (NVivo) allowing for in depth information about real industry professionals challenges and successes regarding Power BI for CRM. The main findings of the study demonstrate a change resulting from Power BI in CRM routine among logistics industry. This included a substantial uplift in CRM data visualization and real-time reporting across all five companies studied, which had the effect of enhancing decision-making with customer service. Building interactive dashboards and reports gave full insight into customer interactions to help organizations foresee trends, predict customers needs or solve potential issues before they were overcome. But the success of this approach is tightly coupled with strategic planning, organizational readiness and dedication to become a learning organization. With the logistics sector transitioning to a digital landscape, it is probable that how efficiently you integrate them as tools like Power BI in CRM would prove pivotal bearing for competitive advantage and better customer satisfaction.
A Financial Analysis of Pharmaceutical Companies and Its Effect on Customer Affordability and Access
(NHCE, 2025) DHARMENDRAY INH23BA032
This study investigates the critical relationship between performance appraisal systems and employee attitudes within contemporary organizational contexts. Through a systematic examination of 250 employees across multiple industries in Mumbai, Bangalore, and Pune, the research provides empirical evidence on how different appraisal methodologies influence employee satisfaction, commitment, engagement, and trust. Strong Positive Correlations: The analysis reveals significant positive relationships between performance appraisal effectiveness and all employee attitude dimensions, with correlation coefficients ranging from 0.523 to 0.708. Trust in management shows the strongest correlation (r=0.708), followed by job satisfaction (r=0.672), indicating that effective appraisal systems substantially influence employee perceptions and organizational relationships. Predictive Model Success: The comprehensive regression model explains 60.9% of variance in employee attitudes, demonstrating robust predictive power. Feedback quality emerges as the strongest predictor (β=0.345), followed by supervisor support (β=0.287) and fairness perception (β=0.241), highlighting the critical importance of quality communication and equitable treatment in performance evaluation processes. System Type Impact: Significant differences exist across appraisal system types, with 360-degree feedback systems and Behaviourally Anchored Rating Scales (BARS) generating substantially higher employee satisfaction compared to traditional rating scales. Forced distribution methods show the lowest satisfaction rates, suggesting that comprehensive, development-oriented approaches are preferred by employees. Experience Moderating Effect: More experienced employees consistently demonstrate significantly more positive attitudes toward performance appraisal systems across all dimensions (p<0.05), indicating that familiarity and accumulated experience moderate the appraisal-attitude relationship.
A fundamental analysis of financial statements of tcs company
(NHCE, 2025) Chaya D H 1NH22BA024
Tata Consultancy Services Limited (TCS), ranked among the largest business solutions and consulting corporations, as well as the IT services supplier globally, has its financial statements fundamentally scrutinized in this research. As for this analysis, the objectives include the assessment of overall performance and the determination of the company’s solvency at a time, understanding how effectively TCS works, and discerning its prospects. In light of presenting the analysis of various and important financial figures and the ratios, our goal is to shed a light on the company’s profitability, its liquidity, solvency, and financial soundness. The balance sheet, the income statement, and the cash flow statement of TCS are presented before doing the analysis. The information from the balance sheet analysis provides a snapshot of TCS’s financial state at a certain date as it focuses on the value of assets, the amount of liabilities, and shareholders’ equity. One analyzes the use of capital structure, the proportions of current and noncurrent assets and the ability of the company to meet current and anticipated obligations. General elements affecting the profitability of TCS and its operational efficiency are presented in income statement analysis focusing on the revenue, cost and profitability patterns.
A future and current trends on talent acquisition at sun mobility
(NHCE, 2025) Harshitha MK 1NH23BA048
Talent acquisition is a critical differentiator for businesses looking to preserve innovation, agility, and sustainability in the fiercely competitive and quickly changing business world of today. Companies like Sun Mobility must continuously modify their people strategy in order to draw and keep top talent, given the rise of cutting-edge technology, shifting worker expectations, and a notable trend toward green mobility and clean energy solutions. With a focus on Sun Mobility, an inventive Indian business dedicated to revolutionizing electric mobility with its distinctive energy infrastructure solutions, this research examines present and upcoming trends in talent acquisition. Operating at the nexus of clean technology, automotive engineering, and digital platforms, Sun Mobility is well-known for its battery swapping network and emphasis on environmentally friendly transportation. As a result, it requires a highly qualified, forward-thinking team that supports the company's goal of decarbonizing mobility. Sun Mobility's present talent acquisition procedures combine conventional hiring techniques with cutting-edge digital tactics, such as AI-powered sourcing tools, virtual onboarding procedures, and employer branding initiatives that emphasize their dedication to sustainability and innovation. This study examines how Sun Mobility has been modifying its hiring procedures to meet the needs of the workforce as well as how it intends to handle upcoming issues including the emergence of Gen Z professionals, hybrid work arrangements, and the need for highly skilled technical personnel. The study uses primary and secondary research to examine the company's hiring practices, including diversity and inclusion, internal talent mobility, partnerships with skilling platforms, college recruitment, and the incorporation of HR analytics. The project also provides a thorough analysis of upcoming trends, including the increasing use of AI in applicant screening, the function of remote evaluations, the use of predictive analytics for workforce planning, and the focus on candidate experience as a strategic objective. In order to give a gap analysis and suggestions that could improve Sun Mobility's talent acquisition efforts even more, these trends are contrasted with the current procedures. Although Sun Mobility has implemented a number of best practices in talent acquisition, the study finds that there is still room for innovation and strategic alignment to ensure that its human capital strategy is future-proof. The business can continue to draw in and keep the talent needed to spearhead India's electric mobility revolution by emphasizing agility, digital transformation, and inclusive hiring.
A role of transparency and ethical branding in building consumer trust in digital first brands
(New Horizon College of Engineering, 2026) SUYOG REDDY KC 1NH24BA166
India's digital economy, with over 900 million internet users and a projected value of USD 1 trillion by 2030, has given rise to a powerful new category of business the digital-first brand. Companies such as Zomato, Nykaa, CRED, Mamaearth, and BOAT operate exclusively or primarily through digital platforms, making consumer trust a foundational commercial asset. Without physical stores or face-to-face interaction, these brands depend entirely on transparent communication and ethical conduct to earn and retain consumer confidence. For these brands, earning the trust of consumers is extremely important, because there is no physical store or face-to-face interaction. The only way they can win customers is through honest communication, transparent practices, and ethical behaviour

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