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Synopsis This volume of conference proceedings includes research papers focusing on the theoretical concepts in the broad area of banking and insurance. These papers from researchers include a broad sweep of subjects relating to banking and insurance such as the lending rates of commercial banks and the impact on real sector, performance management of commercial banks, performance improvement, maintenance of capital adequacy, etc. This book analyzes contributions by different authors who estimate the utility of IT in improving the performance of banks by reducing non-performing assets. These include data envelopment techniques in improving the performance of the banks, data mining tools and techniques in detecting and managing frauds in credit card industry, internet banking and frauds in internet banking, etc. The articles here also focus on developing a model to evaluate banking technology effectiveness by using banking technology based- balanced scorecard. This book is therefore a comprehensive compendium on the overall aspects of banking, interest rates in banking system, performance improvement, estimation of organization capital in banks, IT and its impact on banking system, Internet banking, frauds and their detection through different techniques, and the use of technology to improve the performance of the banks. In addition, the book also contains a research paper that focuses on the economic importance of life insurance reserves over revenue earned from premiums in the insurance business.