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entrepreneurial success entrepreneurial orientation social skills entrepreneurial skills women entrepreneurs emotional intelligence mobile wallet services e-commerce online payments customer delight innovation diffusion theory (idt) indian consumers smartphones technology acceptance model (tam) public sector banks strategic mismatch competitiveness hrm challenges for psb systematic literature review knowledge management organizational performance training and development diversity organization culture learning job rotation development neo liberalism trusteeship corporate social responsibility welfare housing prices economy market real estate water management community participation sustainable energy