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The views expressed in the articles are those of the respective authors. Neither MSNIM Management Review nor the Manel Srinivas Nayak Institute of Management Mangaluru can accept any responsibility, nor do they necessarily agree with those views expressed in the articles. The publishers or editors do not take any responsibilities for the breach, if any, of Intellectual Property Rights of third parties. Errors, if any, are purely unintentional and readers are requested to communicate such errors to the editors or publishers to avoid discrepancies. The editorial board will make every effort to ensure that no false or misleading information, claims, or opinions appear in this magazine; however, the information and viewpoints contained in the articles, editorials, and advertising are the responsibility of the respective contributors.