Internet Banking Coursework Example | Topics and Well Written Essays - 9500 words

Internet Banking - Coursework Example Modern day customers demand more from the banking services, as they want new levels of flexibility and convenience than what traditional banks offer. In spite of the fact that Internet Banking is the need of the time, there is immediate necessity to solve some of the key problems, which is necessary to make it widely acceptable. This research proposal discusses the main factors that affect the adoption of Internet Banking, by applying the theories relevant to the concept and relying on the findings of the Survey, which is done by the customers of HSBC Uxbridge Branch. E-commerce has revolutionised the way the businesses are conducted nowadays. New business models are replacing the outdated ones and the organizations are restructuring their business processes according to the needs of the customers. Just like any other sector, new customer relationship strategies are being formulated in the banks as this industry has also accepted the new technology - Internet Banking. According to Hickman, 85% of the largest banks in United States of America offer Internet Banking services in its basic forms, like, statements, access to accounts, stop payments, transfers, along with clear items. Most of these banks are also beginning their complete Internet banking services, comprising services on online loans, bill payment and brokerage. Research supports the fact that both banks and customers can benefit from Internet banking. However, there are a number of factors that need to be taken into consideration, the bank's perceptions of Internet banking and the cust omers' perceptions of internet banking being the principal ones. Along with benefitting the customers and the banks, internet banking or E banking is beneficial for the small and medium businesses as well. (Nath R., Schrick P. and Parzinger M., 2001, A) Benefits of Online Banking to its Customers Customers are benefitted in a number of ways from internet banking. The first and foremost benefit is convenience. The customers can operate 24 hours a day and seven days a week. (Benefits for Customers, n.d.) Cost Savings - Cyberspace is relatively cheaper to operate than the bricks and mortar structure and this benefit is often passed to the customers. Internet banking offers customers cost savings and financial benefits for online transaction of services. It also reduces the transfer fees of transaction is dome through e-banking. Access to

Victimization At School Essay Example for Free

Victimization At School Essay One type of victimization that can happen at school is school shootings. We have seen too many times where students and teachers have been victimized by other students who bring guns to school and take innocent lives, due to many personal reasons. There is a huge need for stricter gun control laws to make certain that students are safer in their educational institutions. Too many deaths occur where school students are victimized when individuals decide they want to bring weapons to school and use them against innocent victims. Hugh LaFollette explains to us that (LaFollette, 2000) â€Å"The literature of gun advocates supports my contention that guns are inherently dangerous. They advocate the private ownership of guns to prevent crime and to arm the militia. Guns can serve these purposes only because they are effective means of inflicting and threatening harm. † It is fair to say that guns still cause innocent victims to lose their lives and shouldn’t be available for easy access to dangerous individuals. The recent massacre at Virginia Tech and other needless shootings proved that guns can end up in the wrong hands and cause innocent victims to lose their lives. Maggie Rodriguez from The Early Show on CBS tells us that (Rodriguez, 2007) â€Å"Its been eight years since Columbine, Helmke said via satellite from Washington, D. C. Weve done nothing as a country. Its been six months since the Amish school shootings. Weve done nothing as a country. We need to be asking out elected officials what they can do to prevent people from getting these kinds of high-powered weapons. Weapons have been easily accessible and have ultimately reached the hands of the wrong people who have taken the life of many innocent people in our schools. We have seen too many times how guns have been the weapons utilized by deranged individuals, used to cause too many senseless injuries and fatalities, at schools. We also have the argument from those in the pro-gun camp who will easily say that if people are permitted to carry concealed weapons to protect themselves, they can prevent these kinds of fatalities from taking place in our school settings. By allowing everyone to carry guns, we would be placing too many other’s lives in danger. Although, there would be instances such as the killings that took place at Virginia Tech, where guns could have possibly stopped the shooter, there would be more instances where lives would be taken because of this easy access to guns. By keeping guns away from the general public, we would make it more complicated for people like the gunman at Virginia Tech to get their hands on guns to kill innocent victims. Many gun rights groups, that are led by the National Rifle Association will argue that proposals that ask for stricter gun laws breach on the constitutional rights of every law-abiding citizen. They assume that these bans on the sale of specific types of weapons haven’t proved effective in decreasing crime, and that proposals for stricter background checks at all gun shows are formed to eliminate gun shows, themselves. Many gun manufacturers have easily volunteered the support for safety locks, but the NRA has criticized these safety locks for placing a huge burden on gun manufacturers, without benefiting to the public. Georgeann Rooney who is a specialist at a Secret Service National Threat Assessment Center explained a 2002 federal study where 37 school shootings and attacks were looked at from 1974 to 2000. Rooney explains that (Rooney, 2007) â€Å"While the study said there is no accurate profile of students who engage in targeted violence at schools, it noted that many said they felt bullied, persecuted or injured by others before the attacks oIn the Santana High incident, Charles Andy Williams complained about being bullied before he went on a shooting rampage at the Santee campus, leaving two dead and 13 wounded. † The same study showed that â€Å"Most attackers had access to and had used weapons before the attack and prior to most incidents, other people knew about the attackers plans. We learn that â€Å"Most attackers had difficulty coping with significant losses or personal failures and many had considered or attempted suicide. † We see very often that most attackers who take innocent lives on school property have serious mental disturbances. We learn from The National Center of Vital Statistics that (NCVS, 1999) â€Å"The risk of death at school based on 93 incidents that occurred in the nations 119,000 schools over a ten-year period, the annual probability of a school experiencing a student-perpetrated homicide is about 1 in 11,520. † The biggest concern is that there are many people who should be allowed to collect and carry guns, because they pose no threat to society but far too many times student, teachers and other school staff members suffer at the hands of disturbed individuals. Not everyone should be considered dangerous individuals because they carry guns, but by allowing guns to remain in their hands, we are making it too easy for tragic shootings to take place at our schools, when these when these weapons end up in the wrong hands. We learn from News Batch that (News Batch, 2005) â€Å"Gun control was not a major issue in the 2004 Presidential campaign. The percentage of Americans who consider gun control as an important issue has declined from 3% to 1%. Fewer Americans are supportive of gun control in general and handgun control in particular. † By not making gun control issues an important issue, we are ignoring a dangerous situation, where young students suffer to needless killings at school. Even with background checks, it is far too risky to allow individuals to have easy access to guns. The shooter at Virginia Tech was able to purchase guns because he had a background check that was clean because all shooters have criminal records. Gun control activists still believe that it is far to easy for criminals to obtain guns and that an alarming proportion of the population remains armed. Their concern has been fueled by an unprecedented recent rash of school shootings and fatalities. Many experts are blaming this phenomena on violent video games and poor parenting but in each case the youths involved had easy access to the weapons that they used. Gun control advocates support measures which would require locks on all guns, which would apply the provisions of the Brady bill to gun shows. These gun control advocate groups also advocate a federal law allowing only one handgun purchase per month and raising the age for gun ownership from 18 to 21. By increasing the age limit for buying guns to 21, we may decrease the number of shootings that take place but we aren’t eliminating the possibilities for dangerous individuals to get their hands on guns that kill. John W. Mashek (Mashek, 2007) tells us that â€Å"The tragedy at Virginia Tech should open our minds to a problem our nation refuses to confront. The easy access to guns and lethal weapons is a national disgrace. In Virginia alone, gun owners are limited to one purchase a month. I can hear the response from the NRA already: People kill people. Yes, but they do it with guns and too frequently with those easily accessible weapons. † He goes on to say that â€Å"The condolences from the NRA are of little comfort to the mourners of those slaughtered in Blacksburg. The NRA, to put it bluntly, has too many willing friends in Congress from both political parties. Campaign cash flows to them in hefty amounts. Members of both parties should be ashamed. † Without easy access to guns, criminals are less likely to kill. There are many individuals who will argue that â€Å"People kill, not guns. † Yes, this may be true, but without guns, they have less opportunity to kill. When killing is on the mind of a deranged individual, they usually look for guns to commit murders and by not making guns easy to buy, we are decreasing the threat that is upon society. Michael Daily, a daily news columnists asks, (Daily, 2007) â€Å"Still love those guns, Virginia? It is clear that many people are fed up with guns being so available to the general public. There must be serious restrictions placed on buying weapons. These restrictions should make it impossible for the entire general public to purchase guns. It is a fact that guns do kill and we must remove this threat that is causing so many needless shootings at our schools across the United States. Guns can be accessed much too easily and it is up to all Americans to stand up and say that we are tired of worrying about ourselves and our loved ones being taken out by individuals who have problems dealing with society. It is unfair for innocent victims to lose their lives because someone is having a bad day and can easily walk to the gun store and purchase a gun, in a rather small period of time. We must vote for strict gun control laws and make it far less possible for guns to reach the hands of the wrong people who kill and victimize students too often! Reference Page LaFollette, Hugh. (2000). â€Å"Gun Control†. Ethics. Vol. 1. P. 263-81. News Batch. (2005). â€Å"Gun Control Policy Issues†. www. newsbatch. com/guncontrol. htm. Mashek, John W. (2007). â€Å"Guns Kill People. Period. †. A Capital View. US News and World Report. Rodriguez, Maggie. (2007). â€Å"Shootings at VA Tech Spark Gun Debate†. The Early Show. CBS. Rooney, Georgeann. (2007). Secret Service National Threat Assessment Center. The National Center for Vital Statistics. (1999). â€Å"Serious Violent Crimes in Schools†. www. youthviolence. ed.

Globalization of the Computer Industry

Globalization of the Computer Industry Introduction: The topic we have chosen for poster presentation is â€Å"Globalization of Computer Industry† and its very important in today`s world because now days everything is done with computer and now days nothing can be done without computers in international business. Globalisation is a highly significant issue around the world. In the Academic Context Neo Liberal Economist are in support of globalisation and open markets but some scholars are against it because of its strong effect on workers, language, local companies and social institutions. According to Berger, et al., (1999) globalisation refers to â€Å"Tendencies towards the integration across borders of markets for labour, capital, goods and services and emergence in all of these markets of a common set of actors†. The Four aspects of Computer industry are goods and services, labour, capital and technology. In goods and services it includes providing good services to customers, increasing per capita income of the country and e- commerce activities. In labour it includes providing employment to labours and in capital it includes foreign exchange and other modes of investment and in technology it includes artificial intelligence and new types of technology. The personal computer industry is one of the leading industry in the world with world class companies that expand in the main regions of the world . Since 1980 it is the most relevant segment in the electronic industry both in terms of industry organisation and innovation of new pattern of firms and also in the growth. The reason why we have chosen this topic is that it is very important and now a days business cannot progress without computers as everything is done on computers. Importance of Globalisation of computer Industry: The computer industry is the most dominant industry in the world due to the market leadership of international business machines. It was the IBM that created the computer with basic standard that ruled most of the world`s market. IBM also operated on the basis of product development , manufacturing responsibilities by plants globally and also on the basis of global rendering optimal. According to Longlois (1992) after the successful Apple II and to capture growing market , IBM created an open, modular architecture that give access to suppliers to develop components with the operating system and core CPU. Japan and Korea were less successful as global producers but were main suppliers of flat panel displays and memory chips. According to Survey conducted by Mc Millan et al (1999) the most relevant factor in determining where to do business are infrastructure(18%), political stability (17%), availability and skilled labour (17%), tax incentives(10%), closer to suppliers and customers ( 16%) and unskilled labour is only (3%). Trends in Computer industry: The main trends in computer industry are mass customization that means it results in faster respond to shift in demand for particular software and components than usual product lines. Outsourcing means companies are outsourcing to Asian countries to reduce cost like IBM outsourced the components like printed circuit boards and disk drives to reduce costs. E- commerce activities means it helps in increasing the demand for customization, compare price online and to make changes to products. These trends have an relevant effect on the computer industry. The current trends in computer industry are demand dynamics, market and distribution trends , new business plans , new technology and product directions. Impact of computer Industry Downfall: The examples of changes are Dell dismissed 5000 workers in Austin area but increased employment outside US. Compaq dismissed 8500 workers in Texas and 1750 workers in Europe . Apple reduced its work force but added worked to new company owned stores. Trends of industry downfall from dismissing workers are consolidation, Outsourcing and shift regional production to Asian countries to enter global market and to shift production to low cost countries. Conclusion: Globalization of computer industry is motivated by two factors and in that first one is to reduce cost in a highly priced globalised world and second one is to the ability to reach the global market. Due to globalization of computer industry prices become less for computer users and also technology diffusion have moved fastly . Last but not least globalization helps to maintain a competitive and creative industry environment by focusing on core capabilities and also help in achieving economies of scale. References: Berger, Suzanne, Sturgeon, Timothy, Kurz, Constanze, Voskamp, Ulrich and Wittke, Volker. (1999),†Globalisation, Value Networks and National Models†, MIT IPC Globalization Working Paper 99-000. â€Å"Dell Transfers Desktop Production to China† Asia Port daily new ,25 September.p.40. Pletz, John.(2001).† Dell computer`s Future Growth Will Occur Outside Of Texas, Chairman says,† Austin American Statesman,25 May. Longlois ,Richard.(1992),† External Economies and Economic Progress: The Case of the Micro Computer Industry† Business History Review, 66(1): 1-50. McMillan, Margaret, Pandolfi, Selina and Salinger, Lynn, B.,(1999),†Promoting Foreign Direct Investment In Labor- Intensive, Manufacturing Exports in Developing Countries,† CAER II Discussion Paper No. 42, Harvard Institute For International Development. Fowler, Tom.(2001). â€Å"Compaq Doubles Up on Local Layoff Plans,† Houston Chronicle, 10 August, p.1. (http://escholarship.org/uc/item/6wq2f4hx) Accessed on 2nd May 2010. (http://web.mit.edu/ipc/www/globalization.html) Accessed on 3rd May 2010.

Tillie Olsens Yonnondio Essays -- Yonnondio

Tillie Olsen's Yonnondio    In contrast to many other Depression-era novels, in which the teamwork of the common man is seen as society's glue, Tillie Olsen's Yonnondio looks with great admiration at one family's struggle to keep above water. Through the travails of a coal-mining/farming family, Anna Holbrook becomes the one constant in a society that turns man against himself, and where fortune is evanescent.    The thirst for something stable is evident as the children show their awe of the physical world. As an adult explains the stars to Mazie, Olsen writes: "As his words misted into the night and disappeared, she scarcely listened†¹only the aura over them of timelessness, of vastness, of eternal things that had been before her and would be after her, remained and entered into her with a great hurt and wanting." (33) The present, the words describing the stars, hold no intrigue for Mazie; the idea of a permanence stronger than the Depression does. Two pages later, Olsen writes of Mazie stripping corn silk: "Ã…  she would dream of weaving it into garments incredible. But the tassells withered, grew brown and smelly, and she had to throw them away." (35) Her actual life results only in death, and she must again call up something enduring, "a poem learned from Old Man Caldwell." (35)    Olsen views the Holbrook's struggle as heroic. Says Caldwell, "'Mazie. Live, don't existÃ…  Better to be a cripple and alive than dead, not able to feel anything. No, there is more†¹to rebel against what will not let life be.'" (37) It is this very nobility that allows the Holbrook family to survive past expectations. Life is filled with hurdles, most coming from other people. After learning about different natio... ... emotional resource for the split family. The last passage reveals Mazie's mixture of compassion and strength necessary for survival in the dusty, cold world: "Her hand on the arm around him was open and tender, but the other lay fisted and terrible like her father's that night in the kitchen. Till the dayÃ…  " (152) Olsen has faith in the family; they have waded through hardship after hardship, encountered abandonment and death, and still they will wake the next day. Survival here is not accomplished by reliance upon others, but on one's own reserve of will. This is a stark departure from Steinbeck's and others' views on the Depression; nonetheless, both schools of thought hold tremendous sympathy for the lives full of misery about which they wrote.    Work Cited Olsen, Tillie.   Yonnondio: From the Thirties, Delacorte, 1974, reprinted, Dell, 1989.

Dental hygienist Essay

The passage I read is called â€Å"I have finally found what I wanted to be when I grew up.† It is a personal success story about Shelia S. Webster’s journey to becoming a registered nurse. This passage is very relatable to what I want to be when I grow up because I would like to become a Pediatric Nurse. Being a Pediatric Nurse means that you devote your knowledge and skills to caring for children from infancy to late teen years, and their families. In this passage Shelia writes about how much work and time it took for her to become a nurse. Shelia first started in the medical field as a labor and delivery staff nurse in 1993, but a few factors of this job quickly had Shelia second guessing her career (Webster). One factor that made her job less appealing was the stress of working in a high risk environment (Webster). The second factor was the late hours, between work and school she hardly had any time to herself (Webster). The third factor that made Shelia want to change her career was the restricting care she could provide in her facility (Webster). All of that stress was making her reach her breaking point (Webster). While still in school, her first step to her career was signing up for the legal nurse consulting seminar and before the semester was over she knew that nursing was the job for her (Webster). She was willing to do anything to get herself into the nursing program, to achieve this she became a claims analyst at a malpractice insurance carrier (Webster). She was determined to learn as much as she could at the insurance company and set up an independent LNC (Legal Nursing Consulting) practice in about two years (Webster). Her second step was to take a pilot test, and it was an eye opener for her (Webster). The pilot test is like a pre-test to help Shelia get an understanding of what the final exam will be like. Reality set in fast and she was determined to do the best she could on the final exam. When it was time for her to take the Legal Nursing Consulting exam she did not hesitate to show her strengths. She was prepared for the exam due to the practice she got from the pilot test, and was completely confident in herself (Webster). In 1998 she got her Legal Nursing Consulting license and said â€Å"I am very proud to have those initials in front of my last name for the rest of my life.† (Webster) There are a few reasons why Shelia’s story  relates to my life. When I started my junior year of high school I went to the career center for dental assisting. I was expecting to go to enroll into Columbus State Community College, get a major in Dental Hygiene, and then get my Dental Hygienist license in two years. However, after the last two years of being in the Dental Assisting program, like Shelia, I knew I did not want to be what I thought I wanted to be. I am going in a new direction, to major in nursing. One reason is, since I was young I always took extra concern for people’s wellbeing and would like to make a career out of it. I would also like to expand my nursing and become a Pediatrician. The second reason why Shelia’s story is relatable to mine is that I am great with little kids and I think that being a Pediatrician would be a good career for me. At 19 years old, looking for a place to start my career, I applied at the local daycare called â€Å"Bloom Latch Key.† It is a morning and afternoon program for grade school children to come to if they are too young to stay home by themselves to wait for the bus, or for the bus to drop them off at their houses. Finally, the third reason why Shelia’s story is relatable to my life is because I am getting a job as a child care provider to get my career started like Shelia worked as a labor and delivery staff member while going to school to become a nurse. While I am working for the Bloom Latch Key, I am furthering my communication skills with children and becoming more sociable with them by helping them with their homework and interacting with them on the playground. To become a Pediatric Nurse I will need an additional four to six years of schooling and take training classes throughout my career. For example; researchers find new diseases every day, so to keep the parents up to date with the proper knowledge nurses take additional classes to learn about the newly founded diseases. Once I become a Pediatric nurse I will be making about 48,000 dollars salary as a starter and work my way up to 68,000 dollars a year. Similar to Shelia, I am working very hard to achieve my goal in life, to become a Pediatric Nurse. I will do so by continuing my job at the Bloom Latch Key and building social skills with the children. I will also continue to work hard in school and do whatever it takes to become a Pediatric Nurse. Work Cited â€Å"Personal Success Stories – American Association of Legal Nurse Consultants (AALNC).† Personal Success Stories – American Association of Legal Nurse Consultants (AALNC). N.p., n.d. Web. 23 Sept. 2013.

Free Essays on Birches

"shattering and avalanching" (11) give the feeling of disaster and perhaps fear or sorrow. A disturbance on earth is suggested by the "heaps of broken glass" (12) that make it seem as if "the inner dome of heaven had fallen" (13). Frost also lends sound to his description of the branches as â€Å"they click upon themselves As the breeze rises† (7-8). This may be a spin on the idea that problems and experiences "click" off of people, however, the click is not a snap implying that problems do not break people. Frost further explains the bra... Free Essays on Birches Free Essays on Birches Explication of â€Å"Birches† by Robert Frost According to the speaker and author Robert Frost, enduring life’s challenges can be easier by finding a balance between imagination and real life. The tone of the poem is nostalgic. The poem is divided into four parts: an introduction, an analysis of the bending of birch trees, an imaginative untrue analysis of the farm boy swinging on birches, and a wish Frost makes, wanting to return to his childhood. All of these sections have underlying philosophical meanings. Personification, alliteration, metaphor, and other sound devices support these meanings and themes. â€Å"Birches† exibits no rhythm sceme or specific line length which suggests it is free verse. In the first section of the poem, Frost explains the appearance of the birches. Frost wants to believe that the branches of the birches bend and sway because of a boy swinging on them. However, Frost suggests that repeated ice storms are what bend the branches. Frost compares the breaking away of the ice from the trees to the â€Å"dome of heaven† shattering (Line 13). This could be a metaphor for life using imagery. The ice can symbolize difficult times that come in life, while the ice breaking away may represent renewed hope for the future. Initially, the forest scene describes, "crystal shells Shattering and avalanching on the snow crust Such heaps of broken glass to sweep away" (10-12). The words "shattering and avalanching" (11) give the feeling of disaster and perhaps fear or sorrow. A disturbance on earth is suggested by the "heaps of broken glass" (12) that make it seem as if "the inner dome of heaven had fallen" (13). Frost also lends sound to his description of the b ranches as â€Å"they click upon themselves As the breeze rises† (7-8). This may be a spin on the idea that problems and experiences "click" off of people, however, the click is not a snap implying that problems do not break people. Frost further explains the bra...