Advantages and Disadvantages of Mobile and Internet Banking Dissertation

Advantages and Disadvantages of Mobile and Internet Banking - Dissertation Example Two important technological innovations that have been incorporated as part of the services of banks are mobile banking and internet banking. Mobile and internet banking are different from one another, although the two are closely linked with each other. Mobile banking signifies ‘access anytime and anywhere’ to banking transactions, which are computer mediated (Tiwari & Buss, 2006). The access is enabled by the use of mobile communication networks making the availment of the services independent from the geographical location of the customer (Stanoevska-Slabeva, 2004). In other words, it is the use of mobile devices like cell phone to avail of financial services. On the other hand, internet banking is on-line banking. This is the use of world wide web in order to access financial services (Khalil, 2007). Online banking has paved for paperless banking and no human interaction in the availment of financial services. As these two technological innovations have changed the manner with which banking can now be undertaken, it has transformed contemporary banking in such a way that the convenience and ease of access to financial services, in turn, have reduced the actual contact between the bank and the customer. This brings to light the important question of service and customer satisfaction. This question is crucial since banks are primarily service oriented and as part of the service industry ‘service and customer satisfaction’ are at the core of all financial services that banks offer to its clients (Nisar, 2003).... Mobile and internet banking are different from one another, although the two are closely linked with each other. Mobile banking signifies ‘access anytime and anywhere’ to banking transactions, which are computer mediated (Tiwari & Buss, 2006). The access is enabled by the use of mobile communication networks making the availment of the services independent from the geographical location of the customer (Stanoevska-Slabeva, 2004). In other words, it is the use of mobile devices like cell phone to avail of financial services. On the other hand, internet banking is on-line banking. This is the use of world wide web in order to access financial services (Khalil, 2007). Online banking has paved for paperless banking and no human interaction in the availment of financial services. As these two technological innovations have changed the manner with which banking can now be undertaken, it has transformed contemporary banking in such a way that the convenience and ease of access to financial services, in turn, have reduced the actual contact between the bank and the customer. This brings to light the important question of service and customer satisfaction. This question is crucial since banks are primarily service oriented and as part of the service industry ‘service and customer satisfaction’ are at the core of all financial services that banks offer to its clients (Nisar, 2003). 1.2. Problem Statement The technological innovation of mobile banking and internet banking has ushered a new approach in rendering financial services to bank clients. It has created a platform wherein clients can access banking services anytime and anywhere. While, on-line banking offers 24-7 banking access, speed and the convenience of

Muslim Empires Essay Example for Free

Muslim Empires Essay The Ottoman Turks consisted of Turkic-speaking nomadic people who had spread westward from Central Asia in the ninth, tenth, and eleventh centuries. They were located in the northwestern corner of the peninsula, which allowed them to expand westward and eventually take over empires between the Mediterranean and the Black Seas. The sultan was the supreme authority in both a political and a military sense. Administrative and military power were centralized under the bey, who was only a tribal leader, tribal law was before Muslim law. The Ottoman authorities were Sunni Muslims. The sultan assigned duties to a supreme religious authority, who then maintained a system of schools to educate Muslims. There were some who believed in Sufism or other doctrines, but the government allowed it as long as they were still loyal to the empire. Non-Muslims had to pay a head tax since they were exempt from military service. The Ottoman Empire was divided into four main occupational groups: peasants, artisans, merchants, and pastoral people. Shah Ismail founded the Safavid Dynasty. The Safavids was a mixed society like the Ottoman Empire; majority of the population were Iranian. They used the Shi’ite faith, and Shi’ism was declared the state religion. Like the Ottoman’s sultan, the Safavids had their shahs who would check up on their people. This empire was not as wealthy as the Ottomans and the Mughals. Their greatest area of productivity was in textiles. The founder of the Mughal Dynasty is known as Babur. Ruling of the dynasty was passed down from Babur to his son, Humayun, and then to his grandson, Akbar. As emperor, Akbar didn’t just focus on the views of Muslim but also gave Christian views a chance. He later formed a new type of worship called the Divine Faith, which combined characteristics of different religions. He believed in having a harmonious society, which meant each individual and group would play their assigned role and contribute their part to society. This dynasty was the last of the great traditional Indian dynasties. All three of the empires were Muslim, and they all displayed an impressive capacity to create and run a large empire. The Muslim World was protected by the military and political abilities of these empires. Unlike their European counterparts, these empires continued to thrive.

Laudans Theory of Scientific Aims Essay -- Laudan Science Utopia Argu

Laudan's Theory of Scientific Aims I criticize Laudan's constraints on cognitive aims as presented in Science and Values. These constraints are axiological consistency and non-utopianism. I argue that (i) Laudan's prescription for non utopian aims is too restrictive because it excludes ideals and characterizes as irrational or non-rational numerous human contingencies. (ii) We aim to ideals because there is no cogent way to specify in advance what degree of deviation from an ideal is acceptable. Thus, one cannot dispense with ideals. (iii) Laudan does not distinguish difficult from impossible goals, making his injunction against utopianism imprecise. It is "semantically utopian" and, furthermore, a prescription for conservatism and mediocrity. (iv) Goals often contradict each other or are at least partially incompatible. Since Laudan does not say how to prioritize incompatible aims, axiological consistency is an utopian desideratum. Thus, his constraints on cognitive aims contradict one another. Finally, (v), Laudan's axiological constraints are too weak and in order to strengthen them, he must invoke without justification some implicit pre-philosophical cognitive aims. This opens the logical possibility of axiological relativism, which Laudan attempted from the beginning to avoid. Laudan's Theory of Aims In Science and Values, Laudan has developed the view that our scientific aims can sometimes be rationally selected by imposing two constraints (1) on them: 1. they should be jointly consistent, 2. a pragmatic constraint of empirical realizability, or non-utopianism. This last requisite follows from Laudan`s means-ends conception of rationality, To adopt a goal with the feature that we can conceive of no actions... ...victory, one obtained by just means, i.e., the means employed should not constitute a greater evil than the evil the war was intended to remedy. (13) Since some axiological inconsistencies can be only pragmatic, it is not always clear whether some collection of ideals is mutually inconsistent. (14) Cf., N. Rescher, The Strife of Systems, chapters 7 & 8. (15) When this happens, our passionate nature will decide what our intellect cannot adequately settle. (16) Laudancs meta-aim of axiological consistency is a goal suspect of being 'demonstrably utopian', because it is not likely that we will ever have a theory of rational value priorizations. So it is not reasonable by Laudan's meta-methodology own standards. If so, Laudan's theory would be suspect of being self-referentially inconsistent. (17) Cf., Laudan, 1996, Beyond Positivism and Relativism, p. 16

Airbus Company Essay

1. Why is Airbus interested in building the A3XX? What are its objectives? Airbus predicts that there would be demand for more than 1500 super jumbos over the next 20 years that would generate sales in excess of $350 billion. And they could sell as many as 750 over jumbos over the next 20 years with a break even on undiscounted cash flow basis with the sales of only 250 planes. There is a huge profit in this business if Airbus succeeds in the industrial launch of A3XX jumbo jets. In addition, Airbus has received over half of the total large aircraft orders for the first time in 1999 thanks to the â€Å"cross crew qualification† feature. Capturing more than half of the very large aircraft (VLA) market with the A3XX would constitute an enormous financial success and would position Airbus as the commercial aviation industry leader. Despite the gains in the market share, Airbus still did not have a product to compete with Boeing’s 747 in the VLA market. Airbus wants to brea k the monopoly of the 747. The A3XX would have more space, be safer, and offer a higher operational margin for the Airlines. And it is especially attractive on longer routes. Once introduced, A3XX would have higher sales than 747. Moreover, Airbus believed it had solved all of the problems due to the large size of the plane and had begun the necessary procedures for regulatory approvals in the United States and elsewhere. Based on its Airbus’s Global Market Forecast (GMF), the company believes Airline would attempt to increase aircraft size when it was no longer feasible to increase flight frequencies. Hence, there is an increasing demand for super jumbos. Airbus predicts the growing economy in Asia like China will contribute greatly to the demand for VLAs in the future. Airbus felt confident in its analysis that capacity increases would eventually prevail. Airbus wants to embrace the same success in the A3XX as 747 had before. 4) The growth in the perpetuity comes from rising prices. Hence, the growth rate equals to the inflation rate. Airbus needs to sell 39 aircrafts annually in order to break even on the investment.The total demand for very large aircraft is 1,235 over the next 20 years (GMF 2000). The annual demand from 2009 to 2019 would be 62. So the breakeven point is much less than the total demands. 3. As Boeing, how would you respond to this situation? How does your answer depend on what you think Airbus is likely to do? Please provide some calculations to support your answers.

Leadership police

The police force in the US is one of the most controversial departments of the criminal justice.   The nature of duties assigned to the police requires high sense of responsibility, discipline, integrity and openness.   As law enforcers, police are supposed to adhere to a strict code of ethics which spells the do’s and don’ts for police officers in the course of executing their duties and their general conduct especially with the public, victims and offenders.   This paper discusses leadership issues affecting police in an effort to analyze how leadership of the police affects job performance for the police officers. Barbuto, (1997) defines leadership as the offering of guidance and motivation to subordinates in an effort to get things done.   Leadership is very central to the performance of an organization as it is viewed as the engine of an organization.   Good leadership leads to increase in job performance due to highly motivated staff.   In addition, good leadership creates an environment ideal for a team spirit to thrive something which eventually leads to achievement of organizational or group goals (Bass, 1999). On the contrary, poor leadership brings about low morale in the team as well as low job performance compared to the situation whereby a good leadership results into a synergetic effect which is lacks when subordinates lack a sense of direction and therefore end up pulling in different directions (Sparrowe, Soetjipto, & Kraimer, 2006).   A job as a law enforcement requires team spirit because of the fact that most missions call for execution by teams. To be able to achieve the desired results, team members have to connect well, resolve conflicts in a positive manner and adhere to the stipulated code of ethics (Cothern, 2006).   Law enforcers are required to particularly function in accordance to the code of ethics, given the fact they are subjected to a lot of scrutiny by the media, and watch bodies, such as human rights bodies.   On top of the above, police officers are expected to demonstrate high public relations and communication skills. This guidance is supposed to come from the top leadership.   How communication is done in the law enforcement department can have a bearing in the performance of the law enforcers especially those dealing with K-12 level students where a lot of scrutiny is directed at by concerned parents who constantly want to be assured of their children’s safety.   Poor leadership leads to low moral in the work force something which results in poor job performance hence poor service delivery to the public (Neider, & Schriesheim, 1996).   This has both direct and indirect associated costs to the citizens given the fact that, the law enforcers are responsible for maintaining security, law and order in the society. Therefore, a less motivated workforce has implications on rate of crime as well as rise in insecurity.   In an increasingly free market economy, law enforcers who may feel uncomfortable with poor leadership are likely to quit job and join private companies or other government departments of their choice.   There is a need for good leadership inorder to avoid the high officer turnover which is very costly to the government given the high cost of training officers which is usually borne by the government. Poor leadership in the law enforcement department results in poor team spirit and therefore defragmentation.   This is risky especially in this post 9/11 era whereby the police force must remain as intact as possible to avoid infiltration.   Competency, unity and commonness of purpose is what is highly required in the police force.   Several measures can be taken to ensure the above is achieved. Conclusion Such measures include motivation of officers through introduction of incentives such as pay-for-performance, career growth and development opportunities, protection from victimization, provision of an enabling job environment such as modern crime control equipment as well as improving the quality of life of officers through pay increases.   All the above are only possible if the police department is going to embrace good leadership strategies by adopting hybrid leadership methods and perhaps depart from the rigid and conservationist bureaucratic leadership which is highly centralized. References Barbuto, J., (1997). Taking the Charisma Out of Transformational Leadership.   Journal of Social Behavior & Personality, 12(3), p. 689-697.   Retrieved February 26, 2007, from EBSCOhost database. Bass, B. M. (1999).   On the taming of charisma: A reply to Janice Beyer. Leadership Quarterly; Winter 1999, 10(4), p. 541-553. Cothern, C. (2006). Leader’s Insight: Leaders’ Top Three Mistakes.   Christianity Today International/Leadership Journal. Neider, L. & Schriesheim, C. (1996).   Path-goal leadership theory: The long and winding road. Leadership Quarterly,  ­7 (3). Sparrowe, R., Soetjipto, B., & Kraimer, M. (2006).   Do Leaders’ Influence Tactics Relate to Members’ Helping Behavior? It Depends on the Quality of the Relationship.   Academy of Management Journal, 49(6), p. 1194-1208.

How to Punctuate Quotations

How to Punctuate Quotations How to Punctuate Quotations How to Punctuate Quotations By Mark Nichol Quotation marks are signposts indicating that spoken or written words are being expressed. They have other purposes, too, but this post confines itself to this role. Despite the ubiquity of quotation marks, some people still err in placement of the closing mark. Generally, a close quotation mark follows rather than precedes a sentence’s terminal punctuation, as in the sentence â€Å"You have nothing to worry about.† (Styles for quotation marks in British English differ from those for American English: Terminal punctuation follows the close quotation mark, and dialogue and quotations are enclosed in pairs of single, not double, quotation marks.) Notice, however, that I wrote â€Å"generally,† and not just because of the British English exception. (As you see here, a comma, like a period, is located inside quotation marks when it follows one or more words thus confined.) What are the exceptions? If the terminal punctuation mark is a question mark or an exclamation mark, and it appears outside the context of the quotation, it should be located outside the quotation mark as well. (In the examples below, which I enclose in double quotation marks because they are themselves excerpts of written documents, the sentences in question are bracketed by single quotation marks the correct style for a quote of a quote.) For example, notice the placement of the question mark in â€Å"Who said, ‘You have nothing to worry about’?† The framing sentence, not the quotation, is an interrogative sentence, so the question mark belongs outside the single quotation marks bracketing the quotation (but inside the double quotation marks, because it is part of my example.) By the same token, in the sentence â€Å"I can’t believe he had the nerve to say, ‘You have nothing to worry about’!† the indignation resides in the context of the framing sentence, not in the recitation of another person’s contentious comment. Notice also that, though a period would ordinarily be located within the quotation followed by the question mark and a comma would usually appear after â€Å"about† in the example with the exclamation point, quotation marks and exclamation points trump and replace periods and commas in such sentence constructions. Punctuation marks are never paired (except in the use of multiple question marks or exclamation points in informal writing, and in the case of a close parenthesis and a period, like the tag team you see right here). That’s not all there is to quotation marks, of course. For example, in a future post, I’ll discuss the subtleties of proper placement of attributions, those identifying phrases such as â€Å"he said† or â€Å"she added† so fundamental to both journalism and literature. 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:Writing a Reference Letter (With Examples)Is There a Reason â€Å"the Reason Why† Is Considered Wrong?30 Words for Small Amounts

Medias Influence on America

Medias Influence on America Free Online Research Papers In the great nation of the United States of America, we love our entertainment. Some people see this entertainment to keep them interested, and some see this as an opportunity to sell their products or services. When companies use certain ways of entertainment as a sales person, they use things that will catch the eyes of the people watching or reading for entertainment. In the USA, we are swamped with what we should look like, act and even live. The companies use the television and ads to show us these things. However, when we are shown these things, it is very difficult to be genuine to ourselves and be original for everyone else. When people are watching their favorite television programs, there will be commercials. These commercials are used by major corporations to sell a product or service. When they do that, they use things that will catch your eyes and want you to use their products or go to them to do something you want them to do. A perfect example of this is the subway commercials. The subway commercials use a skinny man named Jarred to tell them that eating subway made him healthy. We all know that not just eating healthy will make us fit; being active will make us fit. Another example is in clothing ads. In these clothing ads, the companies project the women to be sexual figures. They show off the woman’s breasts and butt. This gives the women a view of how they should look and how they should want to look. This puts in the mind of the women that men will not like them because they don’t look like the women in the ads. This works both ways with the men and the women. The ad s show the men that they have to look like the superheroes that we see in the magazines. When you live in a society where your image is everything, it is easier said than done to maintain an identity that is how you want to be and original to the people around you. The people that can do this and make something of themselves are the people that will be the leaders of America. The people that overcome this challenging act take what society wants them to look and act like and pushes it away. They are the people that do not care what people think of them and what they want them to be. Your personality and your body are yours. The more people want you to look a certain way is the more determination the other people have. The people that triumph over the dilemma that society holds for the people of the USA are the people that build on the wants of everyone else. How do they do this? They ignore what they are supposed to look like and do what they want. The USA needs more people in the world like that. The majority of society is like a woman in a book called â€Å" The Bluest Eye†. The woman’s name was Pocola. She wanted to be beautiful like all the white girls in her world. Come to find out in the end that she goes crazy wanting blue eyes and is insane. This is what our society does and has to be fixed. Being what you want and how you want is completely up to yourself. The more you are how you want to be, the more people will look at how you are. With the media more controlling than ever, the more people have to be what they want. Research Papers on Media's Influence on AmericaMarketing of Lifeboy Soap A Unilever ProductEffects of Television Violence on ChildrenThe Fifth HorsemanBook Review on The Autobiography of Malcolm X19 Century Society: A Deeply Divided EraRelationship between Media Coverage and Social andHip-Hop is ArtAnalysis Of A Cosmetics AdvertisementResearch Process Part OneTrailblazing by Eric Anderson