Journal of Business Management and Economics

The process by which individuals search for, select, purchase, use, and dispose of goods and services, in satisfaction of their needs and wants is called consumer behavior . The study provides necessary information to the Coca-cola and Pepsi organizations to improve their sales and to have complete details about consumer attitude, perception and purchase pattern before going to purchase the products. It also enables the respective organizations to identify the differences among the customers in choosing between Coco-cola and Pepsi.

The aim of this study is to examine demographic variations I consumer acceptance and use of e-banking services. The demographic variables included in the study, apart from e-banking product, with their options are: gender: male and female; income: ₦30,000 and below, ₦31,000-450,000, above ₦450,000, age: 18-35 years, 36-55 years, and above 55 years; and education: primary/non-formal, secondary, graduate, and postgraduate. Only educational levels show serious variation. From the analysis, ‘F’ is 3.429 with p value of .035. This means the analysis is significant at .05 hence the hypothesis that there is a significant differences in the use of e-banking by the various levels of education is validated. From the results of this study it is clear that to achieve improved product and service offering, a strong product management is required. As customers consolidate payment relationships and embrace e-banking, banks become more exposed to non-bank financial institutions and service providers which impact on margins. A key element of product management is to manage offerings through market segmentation. Tailoring offerings to a specific need of customers, instead of generic offering for a broad category of customers will give the customers a better impression of the banks’ ability to understand their needs.

The quality of construction projects and products is purely dependant on the development of such industry and is associated with the implementation of Quality management system in this industry. From the last two decade the certification of ISO- 9001 has been taken up in construction industry at the international level. Many benefits gathered throughout the globe by its effective implementation. The awareness of adaptation is weak in the developing countries and is unaware of the everlasting benefits of this standard. Pakistan is also one of the developing countries which are unaware of its benefits specially gathered in foreign countries such as UK, United States, Australia and Japan etc. ISO which stands for International organisation for standardization is alliance of global standards. There is a special technical committee which is TC-176 which formulates all the standards of ISO-9001. Draft is circulated through technical members of board for approval of standards which requires 75% minimum votes for approval as a standard. There are more than 2100 companies which are certified with ISO-9001 in Pakistan and over 200 auditing agencies which time to time audit the certified firms. The study draws attention to the advantages, disadvantages and barricades facing by construction firms by the implementation of ISO-9001 in construction industry of Pakistan. Also some beneficial suggestions for better adopting ISO-9oo1 is given with the help of this research which can be helpful for the future of Pakistan’s construction Industry. The research highlights that construction firms of Pakistan should gain from the advantages gathered by the construction firms of developed countries and take apt measures for implementing ISO-9001 standards. The government as well as public sector should ensure its implication by all firms before tendering any project for better quality works.