Electronic Banking Floorer Essay Online For Free - Free Essay Example

Sample details Pages: 4 Words: 1335 Downloads: 1 Date added: 2017/06/26 Category Business Essay Type Argumentative essay Tags: Banking Essay Did you like this example? One of the most challenges of e-banking is to create value for business. Successful e-banking investment creates value for present and potential customers and business as well. A base of potential customers is a key to the generation of e-banking transactions. Don’t waste time! Our writers will create an original "Electronic Banking Floorer Essay Online For Free" essay for you Create order Transactions, in turn, generate business value in a number of ways by increasing revenue, decreasing costs and improving market share. In most e-banking startups that fail to create business value, the typical problems are: e-banking plan is not aligned with business strategy, poorly defined requirements inadequate business cases and ineffective management of return on investment In the struggle with economic turmoil and large cost burden, financial institutions such as bankers are focusing on improving the profitability of their customer relationships, reducing distribution costs and enabling more self-service e-banking. Therefore, an important problem confronting e-banking managers is how to control the cost of e-banking. E-bank products and services are a lot more complex than the products of a manufacturing company. The start-up costs of e-banking are expensive, especially in ICT infrastructure. Launching a trusted e-bank is very costly because it requires advertising expen se. Moreover, expenditure on e-banking technology is increasing and considered to be out of control despite of the lower costs of hardware. Typically, the reasons for higher expenditures are: Most organization does not understand the costs associated with ICT asset such as RD expenses, human resources investment. Annual operational budgets increase as a result of complex licensing, maintenance and outsourcing contracts. Failed project result in large financial losses. Using e-banking as a fully integrated part of their business strategy enables banks to increase the attractiveness of their products and services. Strategic alignment is an important driving force to achieve business value through investments in e-banking. Therefore, understanding the strategic risks associated with e-banking adoption is very important. Poor e-banking planning and investment decisions can increase a bankers strategic risk. Indeed, e-banking investment has sufficient potential to allow banks to become even more profitable in an increasingly hostile and competitive environment. Technical issues appear to be the major challenge in the successful adoption of e-banking initiatives such as scope, scale and complexity of equipment, systems, products and services. E-banking systems are complex large-scale system with requirement for high performance, reliability and availability. And even the most technologically sophisticated organization is struggling to manage them. E-banking raises bankers dependence on IT hence raises the technical complexity. Typical problems arising due to these complexities are: Managing diverse technical competence. Managing diverse technical infrastructures. Adapting to a rapid changes and new development. Managing external relationship and service providers. The Basle Committee on Banking Supervision has recognized the important role of bank supervisors and regulators in ensuring that the risks associated with the use of technological developments in e-banking are well managed. Regulations on e-banking transactions that banks must follow, place an increased management burden on banks and higher costs arising from violation or nonconformance with laws, rules and regulations. Non compliance exposes the bank to be fined, civil money penalties and payment of damages. In addition, non compliance can lead to a decreased reputation, reduced image value and limited business opportunities. Banks as well as consumers has serious concerns about the security of Internet access to client accounts, which was the biggest challenge. The growth of e-banking have also carries a new set of security risks. The challenge is to address these risks without impairing further development of e-banking. These risks have increased as a result of several factor s: The use of internet which exposes the internal systems to the world. Phishing, viruses and hacker. Increasing misuse of information. Poor awareness of security. According Symantec as plotted in Exhibit 2-2, financial sector are most likely to yield data that could be used in financially motivated attacks. This leads to understand that offering e-banking services will be exposure the banks to security risks. E-banking contributes value to bankers such as enhanced image, revenue generation, cross-selling, customer retention and cost saving. The main driving forces behind e-banking contributions are customer retention and enhanced image as ranked in Exhibit 2-3. Enhanced Image: e-banking is considered as a new marketplace to attract potential customers. E-banking can help to enhance their image of the organization as a customer focused innovative organization. Innovation builds up a reputation for the banks that customers learn to trust and comment positively to other people. An attractive banking website with a large portfolio of innovative products will enhance a banks image (Shah Mahmood and Clarke Steve, 2009). Revenue Generation : e-banking allows bankers to offer mass market and exploit extra sources of revenue from transactional commissions servicing charge, advertising and financial information subscriptions. Cross-Selling: E-banking can take advantages of cross-selling effects to offer personalized services and an additional channel to existing customers and reach new customers. Customer Satisfaction Retention: in the e-banking environment, banks can use collaborative and interactive way to offer recommendations based on past transaction profile and customize the services to meet all their needs. Thus, customer can have full access to relevant financial information; do more self-service for themselves and no need to rely on the staff at the branch office. Consequently, e-banking increases customers loyalty and satisfaction. Cost saving: An online transaction costs the bank much less than a face-to-face interaction with a banks teller (World Almanac Book of Facts, 2001). According to study by MCOM â€Å"Mobile Banking Research Paper, Nov 2009† as shown in Exhibit 2-3, the cost per bank transaction for the customer varies from $4 for full service branch transactions, to $3.75 for call center transactions, $0.17 for transaction via the Internet and $0.08 for transaction via mobile. The cost can go down further with the increased use of these facilities. E-banking is the cheapest transaction channel so banks can get cost savings, reduce their branch networks and downsize workforce. Convenience: Consumers can execute various banking transactions such as bill paying, check ordering, account managing, money transferring and shopping in any location with an internet connection, at any time, without leaving home. Accessibility: E-banking has the potential to provide customers with accessible financial services 24 hours a day, 7 days a week and 365 days a year because it does not requires a bricks and mortar infrastructure that is operated by the staff. Consumers can access various banking services electronically. Time savings: People are becoming busier and hence are seeking to carry out transactions within seconds at a time of their convenience. Reduced waiting rime, customers prefer Internet banking instead of traditional banking. Successfully leveraging e-banking to transform the banks and create value-added products and services has become a universal business competency. Leveraging e-banking drives value, reduces transaction costs and increases revenue. Increased revenue as a result of offering e-channels are often reported, because of possible increases in the number of customers, retention of existing customers and cross selling opportunities (Shah Mahmood and Clarke Steve, 2009). E-banking will enable the bank to leverage e-channels towards: Accelerating the growth of banking business; facilitating the offering of more services; increasing customer loyalty; and attracting new customers. Although the benefits of e-banking are i rreplaceable, there are some drawbacks and concerns should be aware: Restricted Customers: Some customers do not want to use e-banking services as they find it difficult to know how to use a computer. A wrong click causing monetary losses makes them afraid of using e-banking rather than traditional banking. Getting familiar with the banks website requires much time to read the instruction. Impersonal: Doing transactions on the internet can be very impersonal. In other words, you can only do business with the use of a computer. No teller receives and checks your money or corrects wrong information that you might have if you deal with real people. Trust: Reasons that many customers have not used e-banking services are that they do not trust the e-banking services through the internet. Some customers prefer trusting real staff to a machine, especially in the matters of money. IT Challenges, 2007 IT Governance Institute, www.itgi.org. IT Challenges, 2007 IT Governance Ins titute, www.itgi.org IT Challenges, 2007 IT Governance Institute, www.itgi.org

An Analysis Of Emily Bronte s Wuthering Heights

Misery Loves Company Being at the wrong place at the wrong time is dangerous enough, but stumbling across the wrong person can be life threatening. Toxic qualities infect the host individual as well as those surrounding them. Much like a merciless virus that can destroy a life from the inside out, poisonous characteristics run rampant through a community and spread as quickly as the plague. Historian and philosopher Howard Zinn proposes that, â€Å"the air of the world is poisonous. And you must carry an antidote with you, or the infection will prove fatal (Zinn 114). In Wuthering Heights, Emily Bronte demonstrates the corrosive effects of human interaction through the motif of disease and contagion coupled with mental decay and the deaths of†¦show more content†¦The rich as well as the poor perished from these merciless viruses; all of England suffered the wrath of contagion. So much as 53,000 people in London died from Cholera alone (Laycock). One of the worst diseases was tuberculosis, which had a high fatality rate and killed Emily Bronte herself. Tuberculosis’ presence in Victorian society is represented in the novel and referenced several times as it infects multiple characters. Victorian illnesses are exceedingly prevalent throughout the novel’s plot. Numerous characters fall ill including, but not limited to, Catherine, Mr. and Mrs. Linton, and Isabella, however, is a virus guilty of the demise of countless characters; perhaps not. For some of the characters, unfortunately, their untimely death could not have been avoided without the advanced medical technology that exists today. For instance, Frances, although tended to by a doctor, could not be saved. Despite attempted treatment, the doctor revealed that, â€Å"misses (Frances) must go; he says she’s been in consumption for months† (Bronte, 59). Since medical knowledge of diseases such as tuberculosis was scarce, it was not uncommon for people to die resulting from waves of contagion . The deaths of characters in Wuthering Heights demonstrates how quickly disease spread during that time; the deaths of Mr. and Mrs. Linton proving to be the most integral demonstration of this. The couple contracted the fever from

The Rise of Important Essay Topics

The Rise of Important Essay Topics It is often as large or as small as it is possible to consider! Many students think that it is a waste of time. Definitions of Important Essay Topics As stated above, one of the means where the examiner judges your vocabulary is the way many topic certain words you use. Make sure that you do not repeat the exact same point with unique tones and words. Also, be certain to check at the word in a sentence to be attentive to the way it relates to other words. It's also advisable to realise that IELTS is an international exam and once the writers of the exam are making the questions, their principal concern is writing questions that may be understood by nearly everybody in the world. The majority of the questions are on current topics, therefore staying current with what's going on in the world is really going to help you think of ideas. There are some main things you want to learn about before you even begin picking social issues essay topics. Well, the reply isn't too obvious here. When picking your social problems topic, try to remember that it's always far better to write about something you're already more or less acquainted with. Finding the Best Important Essay Topics Knowing the most usual IELTS essay topics lets you revolve around the most essential vocabulary. If you're reading an English newspaper, search for articles on the usual topics and highlight any excellent vocabulary. There are two major means by which you can use the most typical IELTS essay topics to your benefit. The introductory and conclusion para are definitely the most important section of an essay. There are several persuasive essay topics to pick from to finish your high school or college assignment. Needless to say, it's so much better when a student is supplied a freedom to pick the subject of their essay. When students are writing their argumentative essays that need to find, read and analyze a lot of material to do good. Reading editorials is among the best ways get ideas about how to approach an essay. By doing this it's possible to easily finish the descriptive paper. Firstly, you have to know the suitable format of essay writing. Since you'll be involved in the company of writing a descriptive paper, you ought to be thorough with your grammar. It's possible to go for an intriguing topic from any area of science. Block Chain Technology isn't only about the Bitcoins. Try out another topic and do the exact same 5-minute writing test till you locate a topic you know it is easy to write on. You may write about nearly every topic you enjoy. The majority of the essay topics are picked form the present affairs. If you're genuinely interested in a topic then it is significantly simpler to study and you're not as likely to stop. As an example, in college, you might be requested to compose a paper from the opposing perspective. When you compose a social issue essay, it is very important to clearly show your private view of the issue. If you think that you require assistance with your written assignments it is preferable to request skilled help from online writing service. Many students have a tendency to encounter the writing issues due to the shortage of suitable understanding. The government has proposed a remedy to boost the taxes to lessen the traffic jam. Utilize whatever you know to reveal your comprehension of the Earth, and bring out good old philosophical theories. You might, as an example, discuss advertising or parental influence. The issue is that everybody's interpretation of what makes a great society differs. Becoming creative and descriptive can on occasion be a challenge. Attempt to consider what age is great for students to date with one another. Learning a new language for an early age is helpful for kids. Education scholars are continuously evolving the way that they think about how we learn and what's taught. A lot of students put on a uniform. Some people believe teachers should be liable for teaching students to judge what's right and wrong so they can behave well. Foreign languages ought to be compulsory in the most important school.

Bursitis Essay Example For Students

Bursitis Essay BursitisDoes it hurt to move your arm? Is it tender and radiating pain to your neck andfinger tips? Do you have a fever? If you answered yes to two or more of thesequestions then you may have typical joint injury called bursitis. Bursitis is aninflammation of the bursa that is easily prevented, detected and treated. Bursitis is a common condition that can cause much pain and swelling around anaffected bursa. A bursa is a sac between body tissues that move against eachother. They are filled with a lubricating liquid to minimize the fiction betweenthe tissues. The bursa are found mostly in joints between skin and bone or boneand tendons. When you irritate these lubricating sacs, the bursae fill withfluid and become irritated and inflamed. This inflammation causes severe painwith movement of the joint, often limiting the movement of the affected area. Bursitis commonly strikes in the shoulders, elbows, knees, pelvis, hips orAchilles tendons. Bursitis can affect nearly anyone for any number of reasons. It affects mainly adults both male and female. The individuals most at risk arepeople who engage in excessive and improper stretching and people who areinvolved heavily in athletic training. Bursitis can be caused by many things. For one, it can be caused by injury or overuse of a joint. Strenuous unfamiliarexercise also can cause Bursitis. Plus, such diseases as gout, arthritis, andchronic infection of a joint can be likely causes. But frequently the cause ofBursitis can not be determined. The only ways to prevent getting it are to wearprotective gear when exorcising, practice appropriate warm ups and cool downsduring exercise and to maintain a high fitness level. Bursitis is an easilytreatable disease. If you suspect that you have bursitis, you will probablyseek the advice of a doctor. Most likely the doctor will look at your medicalhistory and take some x-rays. If you are diagnosed with bursitis the doctor mayprescribe some non-steroidal anti-inflammatory drugs and/or pain relievers andmay make some cortisone injections into the bursa to relieve inflammation. Onceat home you are expected rest the affected area as much as possible and to applyRICE ( rest, ice, compression and elevation of the inflamed joint ). Also toprevent the joint from freezing you should begin moving and exercising theaffected area as soon as possible. Most likely the problem will subside in 7 to10 days if proper care is taken. Bursitis a common, yet painful, joint disorderthat can be diagnosed and treated with much ease. Although it is most common inathletes, it can happen to anyone. So take the proper precautions to preventyourself from acquiring this painful inflammation of the joints known asBursitis. Bibliography1. Jeffrey R.M. Kunz MD, Asher J. Finkel MD, eds. The American MedicalAssociation: Family Medical Guide. New York: Random House, 1982. 2. Griffth, H. Winter. Bursitis. Putnam Berkel Group, 1996. Online. Lycos. Internet. 19 November 1996. 3. Lockshin, Micheal. Bursitis. World Book. 1992 ed.

Techtonic Plates Essays - Plate Tectonics, Tectonics,

Techtonic Plates Lab Report The structure of the earth is made up of many layers, but the crust and the upper mantle make up the lithosphere. The lithosphere is divided into individual sections called plates. The rest of the mantle makes up the asthenosphere. Convection in asthenosphere causes the plates to shift and move about. We can tell where the plates are or have been because volcanoes and earthquakes have their own boundaries when the are active. Tectonic plates have three relationships with each other. The have convergent boundaries when they collide, divergent boundaries when they move apart, and transform boundaries when they slide past each other. The friction and heat caused by the plates sliding all over the place causes volcanoes if it melts the rock and earthquakes if the plates slip while sliding away and towards each other. The purpose of this lab was for us to investigate and learn about the three different kinds of plates. The model was used just like any model; To help us understand the different plates and how they work. The model is a great way to help show something which is confusing to tell in words. The lab was to construct a model showing the different kinds of boundaries. First we needed three worksheets each with a different plate on it, and three tacks to hold the plates in place. With scissors we cut out the plates and then we stuck the tacks through designated holes. With everything in tact you could move the model and see how the three plates slid back and forth against each other. 1. Along the East Rise, the plates spread farthest apart in the south (apposed to the north) 2. A convergent plate boundary exists along the Aleutian Islands of Alaska and also along the Andes Mountains in South America. Since they are convergent boundaries, that means plates around these two areas are colliding. 3. It would take Los Angeles 19,444,444.44 years to reach the location that San Francisco is in now. .6 miles = 1km 350miles La to San Fran 583.33 km =350 miles 583.33/.00003 = 19,444,444.44 1cm = .00001km Although this model was very helpful, it wasn't accurate. First of all, the model didn't show all of the plates on the earth. I think it would be important to see all of the plates to fully understand the plate tectonic theory. The model also doesn't show convection in any way. Convection would be important to show in the model because it and the combined force of gravity's what really moves the plates of the earth. The model doesn't have much identified landscape. There are a couple volcanoes labeled, but there has to be more then one mountain range on the earth.

Drug Abuse and Religious Spirituality Concept

Drug Abuse and Religious Spirituality Concept Thesis Statement: Adding the concept of religious spirituality to drug abuse treatment programs can help to decrease the amount of relapses by patients.Advertising We will write a custom research paper sample on Drug Abuse and Religious Spirituality Concept specifically for you for only $16.05 $11/page Learn More Introduction In his examination of the effectiveness of current drug abuse treatment programs, Olmstead et al. (2012) noted that the rate of relapses among patients was quite high, often reaching 50% or more in some instances. Particularly, this high rate of relapses was determined by Olmstead et al. (2012) as a direct result of a degree of failure on the part of drug abuse treatment programs to sufficiently address the primary reason why people turn to drugs and the lack of a sufficient method of relapse prevention once patients leave the program. Reason for Failure This failure to add some form of effective preventive method for relapse has been n oted by various researchers to occur due to the fact that even the classification of external preventive programs has very little influence to ensure a sufficiently effective preventive capacity when the origin of the problem is the internal decision making process of patients. Pearson et al. (2012) note that it is often the case that patients need to develop their own internal realization backed by psychological reasoning when it comes to abstaining from drug use. What is necessary is the development of sufficiently strong internal reasoning mechanism and support system to ensure that the factors causing a particular individual to use drugs in the first place do not manifest. Religious Spirituality as a Possible Solution One possible method that has gained a considerable degree of progress in a variety of drug abuse treatment programs is the use of religious spirituality.Advertising Looking for research paper on psychology? Let's see if we can help you! Get your first paper with 15% OFF Learn More It was determined in the article â€Å"Patients consider spirituality and self-help approaches vital in TC† that religious spirituality can not only aid in the process of drug abuse rehabilitation but even act as a preventive measure to ensure that relapses do not occur (Dermatis, Guschwan, Galanter, Blun 2004). The reason behind its effectiveness is quite simple, religious spirituality acts as a means of altering individuals perception in such a way that people view their life as not just their own but rather as the one connected to an almighty external creator (i.e. God). Moreover, spirituality, in certain cases involving religious groups and organizations, helps instill a sense of belonging on patients within a religious community they are involved in, often acting as a support to prevent drug related relapses (Dermatis, Guschwan, Galanter, Blun, 2004). What you have to understand is that a great number of current drug abuse cases are often related to such feelings experienced by individuals as depression, worthlessness, and. Such behavioral symptoms are often correlated with a lack of sufficient support and social interaction which makes the use of drugs to seem ideal to act as a form of escape from such situations. By adding religious spirituality to drug abuse treatment programs, this creates the initial foundation due to which addicts could find an alternative to drugs abusing by immersing themselves in the feeling of being a part of community and belonging to a greater unit. Such a solution would prevent the potential for patients to relapse since it addresses the internal psychological state in order to ensure that patients develop their own realization regarding the ill effects of drug use (Pearson et al. 2012).Advertising We will write a custom research paper sample on Drug Abuse and Religious Spirituality Concept specifically for you for only $16.05 $11/page Learn More As s uch, this paper has the assumption that adding the concept of religious spirituality to drug abuse treatment programs can help decrease the amount of relapses by patients. References Dermatis, H. Guschwan, M.T. Galanter, M. Blun, G. (2004). Patients consider spirituality and self-help approaches vital in TCs. DATA: The Brown University Digest of Addiction Theory Application, 23(7), 1-7. Web. Olmstead, T. A., Abraham, A. J., Martino, S., Roman, P. M. (2012). Counselor training in several evidence-based psychosocial addiction treatments in private US substance abuse treatment centers. Drug Alcohol Dependence, 120(1-3), 149-154. Pearson, F. S., Prendergast, M. L., Podus, D., Vazan, P., Greenwell, L., Hamilton, Z. (2012). Meta-analyses of seven of the National Institute on Drug Abuses principles of drug addiction treatment. Journal Of Substance Abuse Treatment, 43(1), 1-11.

5 Cases of a Missing Hyphen

5 Cases of a Missing Hyphen 5 Cases of a Missing Hyphen 5 Cases of a Missing Hyphen By Mark Nichol In each of the following sentences, omission of a hyphen hinders comprehension; discussion and a revision follows each example. 1. Two and a half months elapse between when the president elect is declared the winner of the election and when he or she takes office. The noun phrase â€Å"president-elect,† based on French syntax (in which adjectives follow nouns), is hyphenated, which helps the reader identify elect as an adjective rather than a verb: â€Å"Two and a half months elapse between when the president-elect is declared the winner of the election and when he or she takes office.† (Phrases referring to mixed fractions, such as â€Å"two and a half,† are often erroneously hyphenated; hyphens are correct only when such a phrase, accompanied by a word referring to a unit of time or distance, collectively modify a noun, such as in â€Å"two-and-a-half-month period.†) 2. I’m just looking for some good tasting coffee. As written, this sentence refers to a type of beverage known as tasting coffee and describes it as good. However, to express a sentiment about coffee that tastes good, hyphenate the phrasal adjective: â€Å"I’m just looking for some good-tasting coffee.† 3. Such documentation requires a decision-tree type approach, in which someone must decide each path to achieve an appropriate control structure. The type of omission illustrated in the previous example can also occur in a phrasal adjective that consists of more than two words. The sentence refers not to a type approach of a decision-tree nature but to an approach of a decision-tree-type nature: â€Å"Such documentation requires a decision-tree-type approach in which someone must decide each path to achieve an appropriate control structure.† 4. It might be a destination you stumbled across on a must-see list on a travel blog or heard was a can’t miss landmark. The writer of this sentence inexplicably correctly hyphenated the phrase â€Å"must see,† which modifies list, but overlooked the necessity of hyphenating the words â€Å"can’t miss,† which serve the same function in describing a kind of landmark: â€Å"It might be a destination you stumbled across on a must-see list on a travel blog or heard was a can’t-miss landmark.† (These phrases should be hyphenated when employed as nouns as well (as in â€Å"The Parthenon is a must-see for visitors to Greece†). 5. The study distinguishes between high and low-risk activities. This sentence refers not to high activities and low-risk activities but to high-risk and low-risk activities, but it does so elliptically, observing the convention that when a two phrasal adjectives in sequence share the same second word, the first can be omitted- but the hyphen must be retained so that the reader knows to supply the implied word: â€Å"The study distinguishes between high- and low-risk activities.† Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Punctuation category, check our popular posts, or choose a related post below:16 Substitutes for â€Å"Because† or â€Å"Because Of†26 Feel-Good WordsDouble Possessive