This study proposes an IT-Governance framework for the Indian Banking Industry. This research explores the factors predicting customer loyalty in retail banking. The classical SERVQUAL model that captures consumer insight of a service along the five dimensions (reliability, assurance, tangibles, empathy, responsiveness) and is combined with three critical factors of cyber / information security, namely confidentiality, integrity and availability (CIA) to generate a conceptual framework for IT-governance in Indian Banking. A survey with more than 150 respondents was conducted. The study concludes that customers have a moderate to low perception on current Indian banking infrastructure and other dimensions of services quality it provides, while a highly favourable perception of the parameters of information security and hence, it can be leveraged to implement certain critical policies of the government with requires confidentiality and integrity.

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Abstract-Packing problems on its current state are being utilized for wide area of industrial applications. The aim of present research is to create and implement an intelligent system that tackles the problem of 2D packing of objects inside a 2D container, such that objects do not overlap and the container area is to be maximized. The packing problem becomes easier, when regular/rectangular objects and container are used. In most of the practical situations, the usage of irregular objects comes to existence. To solve the packing problem of irregular objects inside a rectangular container, a hybrid intelligence approach is introduced in our proposed work. The combination of machine intelligence and human intelligence is referred as the hybrid intelligence or semi-automated approach in the proposed methodology. The incorporation of human intelligence in the outcome of machine intelligence is possible to obtain using the internet crowdsourcing as we wish to handle the packing problem through internet crowdsourcing involving rural people. The proposed methodology is tested on different standard data sets and it is observed that it has clear advantage over both manual as well as fully automated heuristic based methods in terms of time and space efficiency.

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