Predicting Credit Ratings using Deep Learning Models - An Analysis of the Indian IT Industry

Due to the complexity of transactions and the availability of Big Data, many banks and financial institutions are reviewing their business models. Various tasks get involved in determining the credit worthiness like working with spreadsheets, manually gathering data from customers and corporations, etc. In this research paper, we aim to automate and analyze the credit ratings of the Information and technology industry in India. Various Deep-Learning models are incorporated to predict the credit rankings from highest to lowest separately for each company to find the best fit Margin, inventory valuation, etc., are the parameters that contribute to the credit rating predictions. The data collected for the study spans between the years FY-2015 to FY-2020. As per the research been carried out with efficiencies of different Deep Learning models been tested and compared, MLP gained the highest efficiency for predicting the same. This research contributes to identifying how we can predict the ratings for several IT companies in India based on their Financial risk, Business risk, Industrial risk, and Macroeconomic environment using various neural network models for better accuracy. Also it helps us understand the significance of Artificial Neural Networks in credit rating predictions using unstructured and real time Financial data consisting the influence of COVID-19 in Indian IT industry.

Determination of Factors That Will Impact Brand Perception Post Covid-19

The objective of this paper is to determine the factors that will impact Brand Perception post-COVID-19. COVID-19 is the talk of the town as consumers witness a once-in-a-generation unprecedented pandemic, which significantly affects the attitude and behavior of both consumers and firms in the long term. Consumers' responses are mixed;some prioritize demands for hygiene products, some rushed for panic hoarding of staples, while some remain indifferent and continue with their daily routine. To maintain long-lasting relations with consumers having varied responses, firms must build brand loyalty. Brand Perception sets the tone for building a relationship between a brand and the consumer. Positive brand perception will result in more business than the competitor and vice versa for negative brand perception. Brand Perception, a crucial part of Brand Management, differentiates a brand amongst its peers, and once established, it has to lead the path from `a brand' to `the brand' and maintain the same in the current scenario. A survey was developed for this inquires for primary data collection. It comprises two sections. Section one measures the brand perception, brand loyalty amidst COVID-19, and their sentiment about the various industries. Section two administers the factors influencing brand perception, consumers' purchase behavior, and driving negative discernment. The convenience sampling approach is used for sampling. The study provides insights into the factors affecting brand perception, which will help develop new strategies for brand development and improving brand perception in the future. In crisis-ridden scenarios like COVID-19, the research is crucial as businesses and brands struggle to stay afloat and imprint themselves in customers' minds.

Intrapreneurship Way Forward for Keeping Entrepreneurial Spirit Intact Post-COVID-19

COVID-19 pandemic is far more than just the health crisis. After the Great Depression, the dot-com bubble, and the 2008 financial crash, we are staring at the biggest challenge for the economy. No industry has been spared from the brunt of this pandemic. The start-up sector is bleeding and has undoubtedly taken the hardest hit. With nine in ten start-ups registering decline, over third halting operations temporarily or permanently, this is an unprecedented downturn in the global economy. The aftermath of this crisis will be a long-term impact on the mindsets, attitudes, perceptions, and behaviors of entrepreneurs and those who want to leap into entrepreneurship. We should look at this situation as the new playing field and bounce back with renewed hope of recovery. Industry analysts suggest adopting intrapreneurial traits to instill the confidence back and keep the entrepreneurial spirit intact. Intrapreneurship is one of the ways of catalyzing recovery with sustained innovation and a competitive edge. This analysis aims to correlate the key attributes such as risk-taking, proactiveness, and autonomy in intrapreneurship with sustainable environmental, economic, and social innovation.

IMPLICATIONS OF COVID-19 ON CONSUMER BUYING BEHAVIOR

As a worldwide pandemic, the COVID-19 crisis is profoundly affecting the development of the world economy as countries have taken measures like restricting travel and enforcing lockdown. This pandemic has engulfed the world with fear, anxiety, and is anticipated to lead to a significant degree of mental health emergency across the globe. Due to this change in consumer sentiment, it is important to study how this pandemic has influenced Consumer Behavior. This study was done through primary research. An online questionnaire was floated, and 157 respondents were chosen to fill the questionnaire by using Convenience Sampling. The survey was designed to gauge implications of Covid-19 on change in consumer buying behavior. The findings show that there exists a relationship between likelihood of consumer spending on products/services and fear due to Covid-19. There exists no relationship between age and the likelihood of spending across different product categories. All age groups are behaving similarly in adopting low touch/digital activities and intent in spending across different product categories. The survey highlights that the consumers are likely to increase spending time or usage on services and activities like OTT platforms, Social Media, Grocery Delivery Apps, Buying online and opting for home delivery, Videoconferencing Apps, online platforms for e-learning, Exercise/Wellness Apps and security protocols in shops like attendants using masks, gloves and barriers, social distancing, regular cleaning and sanitization of shops, no-contact purchasing and regular employee health checks are essential protocols that generate confidence in consumers about their safety when they visit a shop. This research will help the organizations by providing them insights towards the changing consumer behavior across different product categories and services which they can utilize to adjust to the new normal. © 2020 All Rights Reserved