Dr. M. Pandya Nayak, Ph.D. in Commerce from Osmania University and prior to this is also an MBA from Sri Venkateshwara University 2010 and M.Com. from OSmania University in 2007, B.Com. from Osmania University in 2005. Presently, he is working as a faculty member in the Department of Commerce in Kollapur PG Center, Palamuru University. Prior to this, he has worked as faculty member P.V.R.R. College of Business Management, Ibrahimpatanam. He has varied exposure to research and published more than 10 articles in reputed journals and UGC approved. Also, he has participated and presented research papers in more than 20 workshops/conferences/seminars of national and international levels. He has a strong base in the area of CRM in Banking. He can be reached at [email protected]