Book Title: Emerging Trends in Commerce and Management Editor:  Dr. Nilesh Anute ISBN:  978-81-979197-7-0 Chapter: 5 DOI: https://doi.org/10.59646/emc5/255 Authors:  Dr. Ashutosh N Misal, Professor, Indira Institute of Management, Pune, Maharashtra,

Book Title: Emerging Trends in Commerce and Management Editor:  Dr. Nilesh Anute ISBN:  978-81-979197-7-0 Chapter: 4 DOI: https://doi.org/10.59646/emc4/255 Authors:  Dr. Satish Angadrao Warpade, Director, Lotus Business School, Pune, Maharashtra, IndiaDr.