Wednesday, November 27, 2019

Jobs comments Essay Example

Jobs comments Essay For example, I think of the time that when I was lost in my dirty and former way of life; I was drenched in the rains of sins and clothe with garments of shame. My life was miserable but your sacrifice to come and lead the way for a right living shook me. I would not resist the force. My people have visited our ghetto in time past but only few return and persist in their search for our dying souls. But you did more than they all. Out of your busy academic schedule, as I got to know, you still found time to visit and show love to me. I am indeed grateful for your exemplary life in the history of my life. Once I was blind but now I can see; you led me to the ‘ophthalmologist’, Dr. Jesus. One of the ways that you add value and make important contributions is: Love For example, I think of the time that you showed me love like anyone has done before. I was empty while I sinned: I actually taught my I could fill the vacuum within me with these acts of sin but all to no avail. What made it worst was there was even no one different around to talk to, and share deep-seated feelings with. My sinful colleagues would only laugh about it, and make mockery of the scene. In you, I found the ‘vacuum filler’. In you as a childhood friend and one that sticks closer than a brother, I drew back to God and my parents not because of anything spectacular but just because of the love you showed me. You listened to me and led me to the way of God. You were instrumental in my journey back to the glorious home, after an exit from it like the prodigal son. Friend, I would forever cherish our friendship. I love you dearly. We will write a custom essay sample on Jobs comments specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Jobs comments specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Jobs comments specifically for you FOR ONLY $16.38 $13.9/page Hire Writer One of the ways that you add value and make important contributions is: Determination For example, I think of the time I resisted your several attempt to change my path. At that time, I felt empty but I could not help myself. I felt like leaving but was held down; tied to the stake like a sentenced criminal. You came and reminded me of our beginning and he fruitful times we had together as childhood friends

Sunday, November 24, 2019

Definition and Examples of Headwords in English

Definition and Examples of Headwords in English In English  grammar, a head is the key word that determines the nature of a phrase (in contrast to any modifiers or determiners). For example, in a noun phrase, the head is a noun or pronoun (a tiny sandwich). In an adjective phrase, the head is an adjective (completely inadequate). In an adverb phrase, the head is an adverb (quite clearly). A head is sometimes called a  headword, though this term shouldnt be confused with the more common use of headword to mean  a word placed at the beginning of an entry in a glossary, dictionary, or other reference work. Also Known As head word (HW), governor Examples and Observations Louis, I think this is the beginning of a beautiful friendship.(Humphrey Bogart as Rick in Casablanca, 1942)As the leader of all illegal activities in Casablanca, I am an influential and respected man.(Sydney Greenstreet as Senor Ferrari in Casablanca, 1942)The head of the noun phrase a big man is man, and it is the singular form of this item which relates to the co-occurrence of singular verb forms, such as is, walks, etc.; the head of the verb phrase has put is put, and it is this verb which accounts for the use of object and adverbial later in the sentence (e.g. put it there). In phrases such as men and women, either item could be the head.(David Crystal, A Dictionary of Linguistics and Phonetics. Wiley-Blackwell, 2003) Testing for Heads Noun phrases must contain a head. Most frequently this will be a noun or pronoun, but occasionally it can be an adjective or determiner. The heads of noun phrases can be identified by three tests: 1. They cannot be deleted. 2. They can usually be replaced by a pronoun. 3. They can usually be made plural or singular (this may not be possible with proper names). Only test 1 holds good for all heads: the results for 2 and 3 depend on the type of head. (Jonathan Hope, Shakespeares Grammar. Bloomsbury, 2003) Determiners as Heads Determiners may be used as heads, as in the following examples: Some arrived this morning. I have never seen many. He gave us two Like third person pronouns these force us to refer back in the context to see what is being referred to. Some arrived this morning makes us ask Some what?, just as He arrived this morning makes us ask Who did? But there is a difference. He stands in place of a whole noun phrase (e.g. the minister) while some is part of a noun phrase doing duty for the whole (e.g. some applications). . . . Most determiners occurring as heads are back-referring [that is, anaphoric]. The examples given above amply illustrate this point. However, they are not all so. This is especially the case with this, that, these, and those. For instance, the sentence Have you seen these before? could be spoken while the speaker is pointing to some newly built houses. He is then not referring back to something mentioned, but referring out to something outside the text [that is, exophora]. (David J. Young, Introducing English Grammar. Taylor Francis, 2003)   Narrower and Wider Definitions There are two main definitions [of head], one narrower and due largely to Bloomfield, the other wider and now more usual, following work by R.S. Jackendoff in the 1970s. 1. In the narrower definition, a phrase p has a head h if h alone can bear any syntactic function that p can bear. E.g. very cold can be replaced by cold in any construction: very cold water or cold water, I feel very cold or I feel cold. Therefore the adjective is its head and, by that token, the whole is an adjective phrase. 2. In the wider definition, a phrase p has a head h if the presence of h determines the range of syntactic functions that p can bear. E.g. the constructions into which on the table can enter are determined by the presence of a preposition, on. Therefore the preposition is its head and, by that token, it is a prepositional phrase.

Thursday, November 21, 2019

Memo Assignment Example | Topics and Well Written Essays - 250 words - 7

Memo - Assignment Example Though both clearly have reasonable motives, they are not the people we are looking for who would be fit for the job, looking at it in a long-term point of view. I understand that the company would be exerting effort in looking for someone equipped for the position and the training they would have to be exposed to, to get a clear understanding of how our company operates. However, I see bigger risks and costs for the company to absorb employees that are not willing to adapt to the demands of the company, whenever the need for it arises since this could mean lowered performance, weakening of the company’s equity, and lost sales/clients. I hope you consider my decision based on the arguments above which is mainly an initiative to safe keep our company’s reputation and identity. McGhan, Meredith. "The Cost of Hiring the Wrong Employee | Writing Assistance, Inc.." Writing Assistance, Inc. - Technical, Training, Medical and Marketing Writers. N.p., n.d. Web. 17 Feb. 2013.

Wednesday, November 20, 2019

Bobby and the Role of Women in Burning Chrome by William Gibson Essay

Bobby and the Role of Women in Burning Chrome by William Gibson - Essay Example The Burning Chrome by Gibson has featured women in the entire piece. Bobby, a character in the Burning Chrome uses women according to his desires and plans. He has been described as having a new woman every few days. Bobby uses women in a specific manner. Bobby uses women for his personal gain. He uses them as assets when he realizes that they offer certain opportunities for his own growth. As stated in the work, â€Å"†¦Bobby read his future in women; his girls were omens, changes in the weather, and he'd sit all night in the Gentleman Loser waiting for the season to lay a new face down in front of him like a card†¦Ã¢â‚¬  (Gibson 189). Bobby was on between the two hackers who act as the main characters in the story. Bobby Quine is an expert dealing with software issues while Automatic Jack deals with hardware issues. Also important in the story is Rikki who is a girl that Bobby has become infatuated with and wants to use her to get what he wants. Gibson establishes a dis tinctive insignia by writing about the matrix simulator and techno-centaur disguising Jack Automatic. He also writes about Rikki Wildside and her Zeiss Ikon eyes, boutique and Simstim deck. Gibson does not leave out an aspect of world war III, an event he puts as a past event but featuring a puppet house where women worked as prostitutes for three-hour shifts (Gibson 190). Bobby Quine and Jack Automatic exhibit emotion and vestigial morality as they hack into Chromes computer system. They steal from the child-faced witch who has cold gray eyes and destroy her power base to an extent that she cannot use the power anymore (Cavallaro 90). They also destroy her by completely by sapping off her ability to defend herself against her enemies. Bobby is a schemer and a strategist. Bobby together with jack use their computer literacy prowess to exploit women and take advantage of their powers and strengths. Bobby and Jack use Rikki Wildside because they have realized an opportunity of exploit ation in her. Rikki is a prostitute who offers her services at the puppet house to get money so that she could buy a fashionable pair of new eyes. She also intends to make enough money so that she can fly to Hollywood and become a Simstim star. Jack bought a virus-program from Russia from Finn, who also bought it from someone. It is from this scenario that we learn that the person killed the original thief who had stolen the program from the owner. Bobby hacks into Chrome's computer system using that program (Cavallaro 92). He then makes use of the communication web to interfere and change the flow the communication web. Meanwhile jack encourages Bobby to hack into Chrome’s computer. As stated in the story, â€Å"†¦but Bobby was already there, leaning forward to drive the Russian program into its slot with the heel of his hand. He did it with the tight grace of a kid slamming change into an arcade game, sure of winning and ready to pull down a string of free games. A si lver tide of phosphenes boiled across my field of vision as the matrix began to unfold in my head, a 3-D chessboard, infinite and perfectly transparent. The Russian program seemed to lurch as we entered the grid†¦Ã¢â‚¬  (Gibson 195) Jack helps Bobby in his schemes taking advantage of the trust and love of women to him, for his gain. Jack betrays his friend Bobby by having an affair with Rikki who is in a love relationship with Bobby. Rikki also betrays her Bobby and Jack by working as a prostitute and

Sunday, November 17, 2019

Religious Terrorism Essay Example | Topics and Well Written Essays - 1750 words

Religious Terrorism - Essay Example However there is a major difference between sect and cult. A sect is a consequence of an established religion where mostly people either die off or expand into a major denomination so a sect-based religious group is more likely to play the role of the victim, not the aggressor.A cult, on the other hand, is a more dangerous, spiritually innovative group headed by a charismatic leader who usually motivates his group and has several aims other than to become a major denomination. Today's terrorists are ultimately more apocalyptic in their perspectives and methods. For many violent and radical organizations, terror has evolved from being a means to an end, to becoming the end in itself. The National Commission on Terrorism quoted R. James Woolsey: Another feature of religious cults that makes them incredibly dangerous is the personality-driven nature of these groups. Cultist devotion to one leader leaves followers less able to make their own moral decisions or to consult other sources of reasoning. If that leader is emotionally or mentally unstable, the consequences can be catastrophic. The more dangerous religious terrorist groups from traditional faiths may often share this feature of the cult as a charismatic leader who exerts a powerful influence over the members of the group. (Matthew J. Morgan, 2004) Again I would like to link the acts of religious terrorism to brainwashing, as to how it relates to terrorism. Cults usually possesses one main aspiration in mind i.e., to motivate and inspire their groups to the utmost till a stage comes where the groups no longer needs to be motivated and appear in one of the following categories: Intentional Brainwashing - the victim knows as to what he is doing in terms of rights and wrongs. He is aware of all the consequences and still likes to be brainwashed. Unintentional Brainwashing - the victim is deeply inspired by the aggressor to the utmost that he is unaware of his own condition. (Uncertainty) Causes It is important to distinguish religious terrorists from those terrorists with religious components, but whose primary goals are political. Religiously motivated terrorist groups grew sixfold from 1980 to 1992 and continued to increase in the 1990s. Hoffman asserted: "The religious imperative for terrorism is the most important characteristic of terrorist activity today." Today's terrorists increasingly look at their acts of death and destruction as sacramental or transcendental on a spiritual level. The pragmatic reservations of secular terrorists do not hold back religious terrorists. Secular terrorists may view indiscriminate violence as immoral. For religious terrorists, however, indiscriminate violence may not be only morally justified, but constitute a righteous and necessary advancement of their religious cause. As Hoffman observed, the constituency itself differs between religious and secular terrorists. Secular terrorists seek to defend or promote some disenfranchised population and to appeal to sympathizers or prospective sympathizers. Religious terrorists are often limited to their own constituencies, having no

Friday, November 15, 2019

Study And Overview Of The Scientific Calculator Computer Science Essay

Study And Overview Of The Scientific Calculator Computer Science Essay The first scientific calculator that included all of the basic features above was the programmable Hewlett-Packed HP-9100A released in 1968, though the Wang LOCI-2 and the Mechatronics Mathatron had some features later identified with scientific calculator designs. The HP-9100 series was built entirely from discrete transistor logic with no integrated circuits, and was one of the first uses of the CORDIC algorithm for trigonometric computation in a personal computing device, as well as the first calculator based on reverse Polish notation entry. HP became closely identified with RPN calculators from then on, and even today some of their high-end calculators (particularly the long-lived HP-12C financial calculator and the HP-48 series of graphing calculators) still offer RPN as their default input mode due to having garnered a very large following. The HP-35 introduced on February 1, 1972, was Hewlett-Packards first pocket calculator and the worlds first handheld scientific calculator. Like some of HPs desktop calculators it used reverse Polish notation Introduced at US$395, the HP-35 was available from 1972 to 1975. HP continues to develop and market high-end scientific calculators, like the HP-35s and HP-49 series, which have been favored by scientists and engineers, in labs, offices, as well as in the field. INTRODUCTION The calculator was written by Rolf Hawarth in early 1996. A scientific calculator is a type of electronic calculator, usually but not always handheld, designed to calculate problems in science (especially physics), engineering, and mathematics. They have almost completely replaced slide rules in almost all traditional applications, and are widely used in both education and professional settings. A fully featured scientific calculator with proper operator precedence is implemented, including trig functions and logarithms, factorials, 12 levels of parentheses, logs to base 2 (a handy function for information entropists!), bitwise logical operator, hex, octal, binary and ASCII display. The calculator is written in Java Script and you are welcome to view the JavaScript source (visible within the HTML page) for personal educational purposes as long as you recognize that it is copyrighted and not in the public domain. This calculator is now available as part of Humming birds Enterprise Information Portal. All enquiries regarding licensing the calculator should be directed to Hummingbird Ltd. Basic Functions Modern scientific calculators generally have many more features than a standard four or five-function calculator, and the feature set differs between manufacturers and models; however, the defining features of a scientific calculator include: Scientific notation Floating point arithmetic logarithmic functions, using both base 10 and base e trigonometric functions (some including hyperbolic trigonometry exponential functions and roots beyond the square root quick access to constants such as pi and e In addition, high-end scientific calculators will include: hexadecimal ,binary, and octal calculations, including basic Boolean math complex numbers fractions statistics and probability calculations equation solving calculus conversion of units physical constants While most scientific models have traditionally used a single-line display similar to traditional pocket calculators, many of them have at the very least many digits (10 to 12), sometimes with extra digits for the floating point exponent. A few have multi-line displays, with some recent models from Hewlett-Packed, Texas Instruments, Casio, Sharp, and Canon using dot matrix displays similar to those found on graphical calculators. Addition The addition (sum function) is used by clicking on the + button or using the keyboard. The function results in a+b. Subtraction The subtraction (minus function) is used by clicking on the - button or using the keyboard. The function results in a-b. Multiplication The multiplication (times function) is used by clicking on the x button or using the keyboard * key. The function results in a*b. Division The division (divide function) is used by clicking on the / button or using the keyboard / key. The function results in a/b. Sign The sign key (negative key) is used by clicking on the (-) button. The function results in -1*x. Square The square function is used by clicking on the x^2 button or type ^2. The function results in x*x. Square Root The square root function is used by clicking on the x button or type sqrt(). This function represents x^.5 where the result squared is equal to x. Raise to the Power The raise to the power (y raised to the x function) is used by clicking on the y^x button or type ^. Natural Exponential The natural exponential (e raised to the x) is used by clicking on the e^x button or type exp(). The result is e (2.71828) raised to x. Logarithm The logarithm (LOG) is used by clicking on the LOG button or type LOG(). Natural Logarithm The Natural logarithm (LN) is used by clicking on the LN button or type LN(). Inverse Multiplicative inverse (reciprocal function) is used by pressing the 1/x button or typing inv(). This function is the same as x^-1 or dividing 1 by the number. Exponent Numbers with exponents of 10 are displayed with an e, for example 4.5e+100 or 4.5e-100. This function represents 10^x. Numbers are automatically displayed in the format when the number is too large or too small for the display. To enter a number in this format use the exponent key EEX. To do this enter the mantissa (the non exponent part) then press EEX or type e and then enter the exponent. Factorial The Factorial function is used by clicking the ! button or type !. PI PI is a mathematical constant of the ratio of a circles circumference to its diameter. Permutation The permutation function is used by clicking the nPr button. Combination The combination function is used by clicking the nCr button. Cube The cube function is used by clicking the x3 .The function results in x*x*x. Cube root The cube root function is used by clicking 3|x . Trig function Various trig functions are involved as:- Sine, cosine, tangent etc. Inverse trig functions Various inverse trig functions are also involved as:- sin`x,cos`x,tan`x etc. PROPOSED SYSTEM The following documentation is a project the Name of the term paper allotted. It is a detailed summary of all the drawbacks of the old system and how the new proposed system overcomes these shortcomings. The new system takes into account the various factors while designing a new system. It keeps into the account the Economical bandwidth available for the new system. The foremost thing that is taken care of is the Need and Requirements of the User. DESCRIPTION Before developing software we keep following things in mind that we can develop powerful and quality software PROBLEM STATEMENT Problem statement was to design a module: Which is user friendly Which will restrict the user from accessing other users data? Which will help user in viewing his data and privileges? Which will help the administrator to handle all the changes? FUNCTIONS TO BE PROVIDED: The system will be user friendly and completely menu driven so that the users shall have no problem in using all options. The system will be efficient and fast in response. The system will be customized according to needs. View Add Delete Modify SYSTEM REQUIRMENTS Operating system: MS Windows XP or Windows Vista Language: C Language Processor: Pentium IV Processor RAM: 512 MB Hard disk: 5 GB Flowchart Welcome to main menu of Scientific Calculator Enter Your Choice? On calculator Do your any task Do you want to continue? START Trignometery(sin,cos) Inverse (1/x) STOP Switch off calculator Yes No Uses Scientific calculators are used widely in any situation where quick access to certain mathematical functions is needed, especially those such as trigonometric functions that were once traditionally looked up in tables; they are also used in situations requiring back-of-the-envelope calculations of very large numbers, as in some aspects of astronomy, physics, and chemistry. They are very often required for math classes from the junior high school level through college, and are generally either permitted or required on many standardized tests covering math and science subjects; as a result, many are sold into educational markets to cover this demand, and some high-end models include features making it easier to translate the problem on a textbook page into calculator input, from allowing explicit operator precedence using parentheses to providing a method for the user to enter an entire problem in as it is written on the page using simple formatting tools. APPLICATIONS In most countries, students use calculators for schoolwork. There was some initial resistance to the idea out of fear that basic arithmetic skills would suffer. There remains disagreement about the importance of the ability to perform calculations in the head, with some curricula restricting calculator use until a certain level of proficiency has been obtained, while others concentrate more on teaching estimation techniques and problem-solving. Research suggests that inadequate guidance in the use of calculating tools can restrict the kind of mathematical thinking that students engage in. Others have argued that calculator use can even cause core mathematical skills to atrophy, or that such use can prevent understanding of advanced algebraic concepts. There are other concerns for example, that a people could use the calculator in the wrong fashion but believe the answer because that was the result given. Teachers try to combat this by encouraging the student to make an estimate of the result manually and ensuring it roughly agrees with the calculated result. Also, it is possible for a child to type in à ¢Ã‹â€ Ã¢â‚¬â„¢1  ÃƒÆ'-  Ãƒ ¢Ã‹â€ Ã¢â‚¬â„¢1 and obtains the correct answer 1 without realizing the principle involved. In this sense, the calculator becomes a crutch rather than a learning tool, and it can slow down students in exam conditions as they check even the most trivial result on a calculator. FUTURE SCOPE OF THE PROJECT Our project will be able to implement in future after making some changes and modifications as we make our project at a very low level. So the modifications that can be done in our project are: To make it screen touch so no need to touch key buttons and one more change which can we made is to add snaps of the person who use it.

Tuesday, November 12, 2019

Essay on Voltaire’s Candide: A Freudian Interpretation -- Candide Essa

A Freudian Interpretation of Candide  Ã‚   Voltaire’s Candide is a humorous work depicting the misadventures of a German man who has fallen from pseudo-nobility and is forced to roam the world in search for his love and his identity. In his adventures, he encounters massive fits of violence, both inflicted by himself onto others, and by those around him. This huge amount of violent behavior brings about startling questions about morality and justice in Voltaire’s time. It becomes apparent that Candide, among other things, is a satire which focuses on justice. Sigmund Freud, the noted psychologist, came up with the idea three states of consciousness: the id, which is the instinctive quality of humans; the ego, which is human rationale; and the superego, which is a person’s morality, or conscience. The characters and actions of Candide can easily be classified into these three states of consciousness to determine much of what Voltaire satirized in his work.   Ã‚  Ã‚   The middle group of the conscious states, the ego, is the medium of the brain. It is the bridge from the outside world to the inner workings of the mind. It is also the rational portion of the psyche, relying on reason. From the narrative, which is notably biased toward Candide’s point of view, the obvious symbol of the ego is Pangloss, the philosopher. He is Candide’s idol, and the model of right-thinking among the main characters, despite appearing as an utter buffoon to both the audience and the other characters with his hypotheses that all things are â€Å"for the best.† Also distorted views of the ego are apparent in most of the major characters, including Candide and Cunegonde, most notably. Although they are hardly the pictures of rationale, the... ...p in their own personal El Dorado, the microcosmic garden. An Edenic farm becomes their new home. On the other hand, the rest of society is forced to live with the monstrosity that it has created of itself. Candide and his friends can live in peace for the rest of their existence while the rest of humanity, including perhaps even the real El Dorado, must suffer its own set of consequences.   Ã‚  Ã‚  Voltaire is obviously satirizing the period’s view of justice. He makes his points through biting sarcasm using the reversed roles of what he feels should be. These points are unstated, but painstakingly simple and clear. He was obviously hoping to reform the systems of the time. These ideas of reform are made even clearer by Freud’s ideas. Voltaire tries to refocus society’s efforts on morality and thinking, rather than tradition and blind submissions.    Essay on Voltaire’s Candide: A Freudian Interpretation -- Candide Essa A Freudian Interpretation of Candide  Ã‚   Voltaire’s Candide is a humorous work depicting the misadventures of a German man who has fallen from pseudo-nobility and is forced to roam the world in search for his love and his identity. In his adventures, he encounters massive fits of violence, both inflicted by himself onto others, and by those around him. This huge amount of violent behavior brings about startling questions about morality and justice in Voltaire’s time. It becomes apparent that Candide, among other things, is a satire which focuses on justice. Sigmund Freud, the noted psychologist, came up with the idea three states of consciousness: the id, which is the instinctive quality of humans; the ego, which is human rationale; and the superego, which is a person’s morality, or conscience. The characters and actions of Candide can easily be classified into these three states of consciousness to determine much of what Voltaire satirized in his work.   Ã‚  Ã‚   The middle group of the conscious states, the ego, is the medium of the brain. It is the bridge from the outside world to the inner workings of the mind. It is also the rational portion of the psyche, relying on reason. From the narrative, which is notably biased toward Candide’s point of view, the obvious symbol of the ego is Pangloss, the philosopher. He is Candide’s idol, and the model of right-thinking among the main characters, despite appearing as an utter buffoon to both the audience and the other characters with his hypotheses that all things are â€Å"for the best.† Also distorted views of the ego are apparent in most of the major characters, including Candide and Cunegonde, most notably. Although they are hardly the pictures of rationale, the... ...p in their own personal El Dorado, the microcosmic garden. An Edenic farm becomes their new home. On the other hand, the rest of society is forced to live with the monstrosity that it has created of itself. Candide and his friends can live in peace for the rest of their existence while the rest of humanity, including perhaps even the real El Dorado, must suffer its own set of consequences.   Ã‚  Ã‚  Voltaire is obviously satirizing the period’s view of justice. He makes his points through biting sarcasm using the reversed roles of what he feels should be. These points are unstated, but painstakingly simple and clear. He was obviously hoping to reform the systems of the time. These ideas of reform are made even clearer by Freud’s ideas. Voltaire tries to refocus society’s efforts on morality and thinking, rather than tradition and blind submissions.   

Sunday, November 10, 2019

Ict and Banking Industry

A PROJECT REPORT ON THE EFFECT OF INFORMATION AND COMMUNICATION TECHNOLOGY ON THE EFFECIENCY OF BANKING INDUSTRY (IN UDAIPUR CITY) IN THE PARTIAL FULLFILLMENT OF THE REQUIREMENT FOR MASTER OF BUSINESS ADMINISTRATION (MBA) 2007-2009 PACIFIC INSTITUTE OF MANAGEMENT, UDAIPUR Post Box No. 12, Pratap Nagar Extension, Airport road Udaipur-313003 Ph: 0294-2491340 E mail: [email  protected] om,[email  protected] com Submitted by: Submitted to: Chanda Joshi Mr. Dhiraj Jain MBA Part-2 Asstt. Professor, PIM ACKNOWLEDGEMENT Industrialists in professional life are likely and keenly aware of their sense of indebtness to many people who have stimulated & influenced their intellectual development in ordinarily.The feeling is formally expressed in customary gestures of acknowledgement therefore it seems only right to acknowledgement my gratitude with sense of veneration to the almighty & various people helped me to work in systematic & smoother manner. I would like to express my profound thanks to all the respondents who were co-operative enough and spared their valuable time in filling up the questionnaire. Words are not in lexicon to express my sincere sense of gratitude for my mentor, elite guide and path Mr. Dhiraj Jain and, Prof. B.P SHARMA (Director, pacific institute of Management) whose valuable guidance instigating encouragement creative thoughts & constructive criticism had helped me to accomplish this research work successfully. CHANDA JOSHI PREFACE The explosive growth of information and communication technology (ICT) is swiftly changing the banking industry and stern competition between the increasing numbers of banks has resulted in high investment on ICT. This report discusses the effect of ICT on banking industry (service) in Udaipur city with reference to public and private banks.Two Questionnaires were used to collect data from diverse customers and bank employees separately; the customers and bank employees accept as true that ICT has an effect on bankin g industry in India. The results of study undoubtedly show the massive impact of ICT on the performance of the banking industry in India. INDEX PARTICULARS DESCRIPTION 1. ACKNOWLEDGEMENT 2. PREFACE 3. EXECUTIVE SUMMARY 4. INTRODUCTION 5. INDUSTRY PROFILE 6. RESEARCH METHODOLOGY 7. DATA INTERPRETATION 8. FINDINGS,CONCLUSIONS . RECOMMENDATIONS 10. QUESTIONNAIRE 11. BIBLIOGRAPHY EXECUTIVE SUMMARY Advances in the banking sector have ushered in an era of multi – product and multi – service being delivered using multiple yet integrated channels. The use of information and communication technology (ICT) is on the increase and encompasses nearly the entire gamut of banking operations. Rising competition and customer expectations have compelled top management implement, and continuously upgrade, agile scalable ICT practices and solutions.The enormity and range of banking services combined with the complexity of integrated and ICT – enabled delivery mechanisms require com prehensive partnerships to be forged between banks and providers of ICT solutions. ICT has a crucial role to play in the financial sector in at least three main areas: improving the range and efficiency of banking services available to customers, lowering costs increasing the efficiency of capital markets, and allowing for more effective regulations of all types of financial markets and related transactions.The use of ICT enables a better delivery of banking services to both depositors and borrowers within a country and between countries. ICT has a central role in the operation of various capital markets such as stock markets, bond markets and foreign exchange markets, and it is intensively used by market organizers, market professionals and investors in this markets. ICT is also an essential tool for supervisory or regulatory bodies of these markets at both national and international levels.This research presents the preliminary findings of a research study to identify the effect o f implementation of ICT on the efficiency of banks in Udaipur. The methodology includes the collection of data by the questionnaire survey. Two types of questionnaires are to be prepared for the data collection- One questionnaire has been distributed among the customers to know the efficiency of the banking services by using ICT. The second questionnaire is to be filled by the officials of the banks, which will provide information about the need, & importance of the ICT for the efficiency of the bank.Chapter 1 INDUSTRY PROFILE INDUSTRY PROFILE What is banking? Bank may be defined as a financial institution which is engaged in the business of keeping money for savings and checking accounts or for exchange or for issuing loans and credit etc. A set of services intended for private customers and characterized by a higher quality than the services offered to retail customers. Based on the notion of tailor-made services, it aims to offer advice on investment, inheritance plans and provid e active support for general transactions and the resolution of asset-related problems.The essential function of a bank is to provide services related to the storing of deposits and the extending of credit. Basic function may include Credit collection, Issuer of banking notes, Depositor of money and lending loans. Now a days banking is  not in its  traditional way, with the advancement of technology its focusing  on more  comfort of customer  providing services such as: †¢Online Banking †¢ Investment Banking †¢ Electronic Banking †¢ Internet Banking †¢ PC Banking /Mobile Banking †¢ E-Banking The importance of banking sector is immense in the progress and prosperity of any State or country.INDIAN BANKING INDUSTRY The growth in the Indian Banking Industry has been more qualitative than quantitative and it is expected to remain the same in the coming years. Based on the projections made in the â€Å"India Vision 2020† prepared by the Plann ing Commission and the Draft 10th Plan, the report forecasts that the pace of expansion in the balance-sheets of banks is likely to decelerate. The total assets of all scheduled commercial banks by end-March 2010 are estimated at Rs 40, 90,000 crores. That will comprise about 65 per cent of GDP at current market prices as compared to 67 per cent in 2002-03.Bank assets are expected to grow at an annual composite rate of 13. 4 per cent during the rest of the decade as against the growth rate of 16. 7 per cent that existed between 1994-95 and 2002-03. It is expected that there will be large additions to the capital base and reserves on the liability side. Banks in India can be categorized into non-scheduled banks and scheduled banks. Scheduled banks constitute of commercial banks and co-operative banks. There are about 67,000 branches of Scheduled banks spread across India. During the first phase of financial reforms, there was a nationalization of 14 major banks in 1969.This crucial s tep led to a shift from Class banking to Mass banking. Since then the growth of the banking industry in India has been a continuous process. The Public Sector Banks (PSBs), which are the base of the Banking sector in India account for more than 78 per cent of the total banking industry assets. Unfortunately they are burdened with excessive Non Performing assets (NPAs), massive manpower and lack of modern technology. On the other hand the Private Sector Banks are making tremendous progress. They are leaders in Internet banking, mobile banking, phone banking, ATMs.As far as foreign banks are concerned they are likely to succeed in the Indian Banking Industry. Indus land Bank was the first private bank to be set up in India. In the Indian Banking Industry some of the Private Sector Banks operating are IDBI Bank, ING Vyasa Bank, SBI Commercial and International Bank Ltd, Dhanalakshmi Bank Ltd,Karur Vysya Bank Ltd, Bank of Rajasthan Ltd etc are some private sector banks. Banks from the P ublic Sector include Punjab National bank, Vijaya Bank, UCO Bank, Oriental Bank, Allahabad Bank , Andhra Bank etc.ANZ Grindlays Bank, ABN-AMRO Bank, American Express Bank Ltd, Citibank are some of the foreign banks operating in the Indian Banking Industry . CHAPTER-2 INTRODUCTION ————————————————- Meaning of ICT The term â€Å"ICT† describes the use of computer – based technology and the internet to make information and communication service available to a wide rang of users. The term is used broadly to address a range of technologies, including telephones. Central to these is the Internet, which provides the mechanism for transporting data in a number of formats including text, images, sound, and video.Additionally, ICT deals with the application layer, the systems that enable information to be collected and distributed, analyzed, and processed. However, whi le ICT is generally adaptable to different information. Needs and circumstances, its effectiveness in solving development issues still depends on the content it carries. ————————————————- The New Era The 21st century will bring about an all – embracing convergence of computing, communication, information and knowledge. This will radically change the way we live work and think.The growth of high – speed networks, coupled with the falling cost of computing power, is making possible application under dream of in the past. Voice, data, images, and video may now be transferred around the world in microseconds. This explosion of technology is changing the banking industry from paper and branch banks to’ digitized and networked banking services. It has already changed the internal accounting and management systems of banks. It is now fundamentally changing th e delivery systems banks use to interact with their customers.All over the world, banks are still struggling to find a technological solution to meet the challenges of a rapidly changing environment. It is clear that this new technology is changing the banking industry forever. Banks with the ability to invest and integrate information technology will become dominate in the highly competitive global market. Bankers are convinced that investing in IT is critical. Its potential and consequences on the banking industry future is enormous. ————————————————- Technology and Banks Transformation ————————————————-Computers are getting more sophisticated. They have given banks a potential they could only dream about and have given bank customers high expectations. The cha nges that new technologies have brought to banking are enormous in their impact on officers, employees, and customers of banks. Advances in technology are allowing for delivery of banking products and services more conveniently and effectively then ever before- thus creating new based of competition. Rapid access to critical information and the ability to act quickly and effectively will distinguish the successful banks of the future.The bank gains a vital competitive advantage by having a direct marketing and accountable customer service environment and new, streamlined business processes. Consistent management decision support system provides the bank that competitive edge to forge ahead in the banking market place. ————————————————- ————————————————- Major app lication: – The advantage accruing from computerization are three-directional – to the customer, to the bank, and to the employee. ————————————————- ———————————————— For the customer ————————————————- ————————————————- Banks are aware of customer’s need for new services and plan to make them available. It has increased the level of competition and forced them to integrate the new technologies in order to satisfy there customers. They have already developed and implemented a certain number of solutions among them: —à ¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€- * ————————————————-Self – inquiry Facility: ————————————————- Facility for logging into specified self – inquiry terminals at the branch to inquire and view the transaction in the account * ————————————————- Remote banking: ————————————————- Remote terminals at the customer site connected to the respective branch through a modem, enabling the customer to make inquires regarding his accounts, on-line, without ha ving to move from is office. * ————————————————-Anytime banking- Anywhere banking : ————————————————- Installation of ATMs which offer non-stop cash withdrawal, remittances inquiry facilities. Networking of computerized branches inter-city and intra-city, will permit customers of these branches, when interconnected, to transact from any of these branches. * ————————————————- Telebanking: ————————————————- 24- Hour service through which enquiries regarding balances and transactions in the account can be made over the phone. ——â₠¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€- Electronic banking : ————————————————- This enables the bank to provide corporate or high value customers with graphical user interface (GUI) software on a PC, to inquire about their. Financial transaction and accounts, cash transfers, chequebook issue and inquiry on rates without visiting the bank: Moreover, the customer can send LC text and details on bills, and the bank can download the same. The technology used to provide this service is called electronic data interchange (EDI).It used to transmit business transaction in computer – readable from between organization and individuals in a standard format. * ————————————————- As information is cen tralized and updates are available simultaneously at all places, single – window service become possible, leaving to effective reduction in waiting time. For the bank:- During the last decade, banks applied IT to a wide range of back and front office tasks in addition to a great number of new products. The major advantages for the bank to implement IT are: Availability of a wide range of inquiry facilities, assisting the bank in business development and follow – up. * Immediate replies to customers queries without reference to ledger-keeper as terminals are provide to mangers and chief mangers * Generation of various MIS reports & periodical returns on due dates.. * Automatic and prompt carrying out of standing instructions on due date and generation of reports. * Fast and up-to-date information transfer enabling speedier decisions by interconnecting computerized branches and controlling offices.For the employees – IT has increased this productivity through the followings: * Accurate computing of cumbersome and time – consuming jobs such as balancing and interest calculation on due dates. * Automatic printing of covering schedules, deposit receipts, passbook / pass sheet, freeing the staff from performing these time – consuming jobs, and enabling them to give more attention to the needs of customers. * Signature retrieval facility, assisting in verification of transactions, seating at their on terminal. * Avoidance of duplication of entries due to existence of single – point data entry.A search of the banking literature reveals that banks are moving rapidly to take advantage of recent and new customer service and cost reduction opportunities that new technologies offer. IMPORTANCE OF INFORMATION & COMMUNICATION TECHNOLOGY The internet is rapidly becoming the information superhighway of a global electronic marketplace. The rising commercial interests in the internet are especially evident in â€Å"front-end† appl ication such as electronic catalogs, yellow pages, storefronts, malls, and customer support centers.All this application are based on the world wide Web (WWW) – the fastest growing segment of the Internet. Although â€Å"back-end† applications such as electronic data interchange (EDI) are equally important, their adoption has not been as rapid. One major concern is security:: the Internet is generally perceived as not secure enough for transmitting sensitive data such as payments. Upon a closer look, however, this view is not warranted, since technologies such as public key encryption and firewalls address essential security concerns.Moreover, such technologies are already available. The only remaining barrier is the lack of real world users of those technologies. Investing in technology According to a survey conducted by the American Bankers Association, US banks expenditure on information technology grew from $ 16. 3 billion in 1994 to $ 18. 7 billion in 1995  œ an increase of 14. 7%, and $ 1 billion more than the same bankers forecasted they would spend in last year’s survey. By 1998, the banks expect to spend $ 21. 2 billion (an increase of 7. 1%) The New Delivery Systems.The increasing cost of building brick-and-mortar branches, decreasing cost of computers, high delivery costs and slow revenue growth force a relook at the conventional delivery systems. Moreover, growing comfort of technology usage by the customer is rapidly fostering usage of non – branch channels for routine transactions. The new strategy changes the focus of the branch from being a high cost transaction center to a provider of a wide range of services like telebanking, customer service kiosks, ATM’s, and remote electronic banking.New Marketing Opportunities As the new technology is so expensive banks need to use the new systems to do more than deliver information and basic services. Banks need the ability to also sell insurance and investment pr oducts to get a better return on this investment. Telephone banking can bring financial services to the home or office, especially if they are affordable screen phones. By noticing how much interest the customer expresses, the bank can market stock quotes and insurance quotes.Interactive videos are new technology that banks can make available to the customers to maintain personal contact while still lowering the expenses of delivery service. With an interactive video an expert employee is not needed in each branch. Complex life insurance products, open brokerage accounts, customized product illustrations can be widely available where needed. The interactive videos will be cost effective expertise. The internet is a medium to allow banks to offer products to customers outside the normal customer base of a branch.Banks are aware of the customer’s need for these services and plan to make them available before other sources do. THE EFFECT OF ICT ON BANKS Banks is an unusual firm because it does not produce any object or tangible product, like a farmer producing rice or Cement Companies producing bags of cement. On any business day, a bank receives information, stores information, processed information, and distributes information. A saving deposit is recorded, an entry is made in someone’s account, at the right time interest is added, and the customer is periodically provided with a ummary statement. A loan application is received, a file is started, the application is assessed by a loan officer, and the client is either rejected or provided with a credit. Each of these functions can be handled by hand with ledger and pens or, today, they can be handled entirely by data entry, computers, and information systems. What ICT does for a bank is to make a dramatic reduction in the costs of handling information and in the transaction costs to the bank and customer of handling a deposit or loan.Clearly, this reduction benefits both the bank and its customers . The impact of high transaction costs is even more acute in rural areas and gravely Inhibits access even to basic financial services. Out on-going field work shows that a formal lending rate for a farm loan of, say, 15 percent is not sufficient to switch business away from informal lenders who charge a rate of 40 percent or higher. ICT not only increase the efficiency of bank operations but permits banks to offer a wider array of services such as ATMs, telephonic banking, and computer banking.ICT facilities the deeper penetration of credit card services, thereby expediting business transaction. Behind the scenes an ICT system would permit banks to speed up inter bank check clearing and engage in electronic funds transfer such as direct debiting or salary deposits. A credit bureau would enable banks to obtain accurate and immediate information about a customer’s credit history and rating, thus lowering risks, costs, and interest rates. What is perhaps less well – known , is that ICT dose not merely lower information and transactions costs and improve bank efficiency and services.With the development or proper accounting and reporting standards, an ICT system also improves the ability of bank and capital market regulators to track the information they need to regulate financial markets . ICT can help takes and customs authorities to expedite revenue collections and if properly handled it can greatly reduce the potential for unwarranted side payments. Role of information technology in banking industry I. T. in Banking: 1). Technology has opened up new markets, new products, new services and efficient delivery channels for the banking industry.Online electronics banking, mobile banking and internet banking are just a few examples. 2). Information Technology has also provided banking industry with the wherewithal to deal with the challenges the new economy poses. Information technology has been the cornerstone of recent financial sector reforms aimed at increasing the speed and reliability of financial operations and of initiatives to strengthen the banking sector. 3). The IT revolution has set the stage for unprecedented increase in financial activity across the globe.The progress of technology and the development of world wide networks have significantly reduced the cost of global funds transfer. 4). It is information technology which enables banks in meeting such high expectations of the customers who are more demanding and are also more techno-savvy compared to their counterparts of the yester years. They demand instant, anytime and anywhere banking facilities. 5). IT has been providing solutions to banks to take care of their accounting and back office requirements. This has, however, now given way to large scale usage in services aimed at the customer of the banks.IT also facilitates the introduction of new delivery channels–in the form of Automated Teller Machines, Net Banking, Mobile Banking and the like. Further, IT deployment has assumed such high levels that it is no longer possible for banks to manage their IT implementations on a stand alone basis with IT revolution, banks are increasingly interconnecting their computer systems not only across branches in a city but also to other geographic locations with high-speed network infrastructure, and setting up local area and wide area networks and connecting them to the Internet.As a result, information systems and networks are now exposed to a growing number. Technology Products: (1). Net Banking (2). Credit Card Online (3). One View (4). InstaAlerts (5). Mobile Banking (6). NetSafe (7). e-Monies Electronic Fund Transfer (8). Online Payment of Excise & Service Tax (9). Phone Banking (10). Bill Payment (11). Shopping (12). Ticket Booking (13). Railway Ticket Booking through SMS (14). Prepaid Mobile Recharge (15). Smart Money Order (16). Card to Card Funds Transfer (17). Funds Transfer (ECheques) (18). Anywhere Banking (19). Internet Banking ( 20). Mobile Banking (21). [email  protected] (i) Express Delivery 22). Cash on Tap: (ii) Normal Delivery Chapter 3 RESEARCH METHODOLOGY RESEARCH METHODOLOGY Research in common parlance refers to the search for knowledge. It can also be define as scientific and systematic search for pertinent information on specific topic. In fact, research is an art of scientific investigation research is a voyage of discovery . it is also said to be the pursuit of truth with the help of study , observation , comparison and experiment. The rule of research in several fields of applied economics weather related to business or to economy as a whole, has greatly influenced in modern times.The increasing complex nature of business and government has focused on the use of research in solving problem. According to Kiplinger â€Å"research is a systematic, controlled, empirical and critical investigation of hypothetical propositions about the presumed relation among natural phenomenon. Characteristic of Research : ? Research is a systematic and critical investigation into a Phenomenon ? Research is not a mere compilation, but a purposive investigation. ? It aims at describing, interpreting and explaining a phenomenon. ? It adopts scientific method. ? It is objective and logical. It is based upon the observable experience and empirical evidence. ? It is directed towards finding answers to pertinent question and Solution. Stage in Research Process : ? formulating the research problem ? Choice of research design ? Determining sources of data ? Designing data collection forms ? Determining sampling design and sampling size ? Organizing and conducting the field survey ? Processing and analyzing the collected data ? Preparing the research report RESEARCH OBJECTIVES : Objectives of the proposed study are as under:- 1) To study the effectiveness of ICT in banks of Udaipur city. (2) To study the effect of the ICT on service delivery of banks. RESEARCH DESIGN :- A Research Design specifies the methods and procedures for conducting a particular study. The researcher should specify the approach he intends to use with respect to the proposed study. Broadly speaking Research Designs can be groped in to 3 categories: 1. Exploratory research 2. Descriptive research 3. Casual Research For achieving the research objectives which are already stated clearly, The Descriptive Research method was adopted. SAMPLE SIZE :-It describes how many employees and customers of the bank should be surveyed 25 employees and 25 customers of private as well public banks were surveyed. SAMPLING TECHNIQUE:- Respondents were selected on the basis of convenience sampling in the certain private As well as public banks of Udaipur city SAMPLE UNIT :- For the study two types of samples are to be selected – (a) Customers of the banks (b) Bank Employees TOOLS OF DATA COLLECTION :- The following tools were used for the data collection: 1. Structured questionnaire: By asking the structured questions to the employees and customers by interviewing. . Review of written document: some part of this study was collected from the journals and books. CHAPTER-4 DATA INTERPRETATION Various banks in which these employees are working Various banks in which customers are having their accounts A. FOR THE CUSTOMERS Q. 1 TYPES OF ACCOUNTS? Interpretation: The above graph shows about the types of accounts of the customers in the bank. In it 76% have saving account ,12%of customers are having current & 12% 0f customers are having both type of account in the banks. Q. 2 Awareness of the changes due to ICT? Interpretation:The above graph shows the 98% of the customers are aware of the changes due to ICT, but very less ( 2% ) of customers were unaware of it. Q. 4 For last how many years is your bank using ICT? Interpretation: The76% customers respondents their bank using ICT for last 5 & above years and 24% of customer said that their bank is using ICT for the 0-5 years. Q. 5 is every department com puterized? Interpretation: 92% customers respond that every department is computerized in their bank but very few customers i. e. 8% said that every department is not computerized Q. Do you find any problem while using ICT? Interpretation: The above graph shows that 60% of customers find no difficulty while using ICT, 32% said it is very difficult to understand and 8%% find it difficult to operate. Q . 7 Do you find bank staff co-operating ? Interpretation: 97% of customers said that there bank staff is co-operating but 3% respond negatively. Q. 8 Do you think ICT has improved the service delivery of the bank? Interpretation: Above graph shows that the 82% of customers were strongly agreed and 18% were agreed that ICT has improved the service delivery of the bank. Q. Are you satisfied with the banking services providing you after using ICT? Interpretation: Above graph shows that the 82% of customers were strongly satisfied, 16% were agreed satisfied but only 2% were dissatisfied wit h the services providing to them after using ICT. Q. 10 Is any improvement required in this type of services? Interpretation: Above graph shows that the 84% of customers needed improvement in ICT, 16% said that no improvement is required. B. FOR BANK EMPLOYEES Q. 1 Awareness of the changes due to I. C. T. ? Interpretation: The above graph shows that awareness level of the respondents due to the hanges of I. C. T. 100% are aware with the changes due to the I. C. T. in the banks. Q. 2 Is your bank using I. C. T.? Interpretation: The all respondents said that their bank is using information and communication technology. Q. 3 For how long I. C. T. is used in this bank? Interpretation: The Above graph shows about the year of ICT using being used in banks . In it78% of the banks are using ICT from past 0-5 years. After that 22% of the banks are using I. C. T. from past 6-10 year. And no bank has experience to use the I. C. T . more than 11 years. Q. 4 Do you think that implementation of I . C.T. in banks is essential and effective in banks? Interpretation: The above graph shows that the implementation of I. C. T. in banks is very much essential and effective . 66% of employees are strongly agree with it & 34% of employees were agree. Q. 5 Has I. C. T. brought positive changes in your way of working? Interpretation: The above graph shows that the information and communication technology has brought very positive changes in the working way of doing job 68% respondents were strongly agree with it but the very least i. e. 2%of respondents were strongly disagree with the statement.Q. 6 Has I. C. T. brought the positive changes in this bank? Interpretation: 68% of employees accepted that I. C. T. has brought positive changes in their bank ,28% were agree with it but 4% of respondents were disagree with fact. Q. 7 Do you face any problem while using I. C. T.? Interpretation: 82% of the employees do not find any difficulty in using the new system. 10% of the employees find t he new system difficult to understand . 8% of the employees find difficulty in operating the new system. Q. 8 Has training been provided to the employees to use the new system tech. ?Interpretation: The above graph shows that 42% 0f employees were strongly agree that they got the training to use the new system technology, 36% were agree but 20% were disagree & 2% were strongly disagree about the getting of training for using the technology. Q. 9 Has I. C. T. improved the performance of the bank employees ? Interpretation: 66% of respondents were strongly agree that the I. C. T. has improved the performance in their bank, 30% were agree but the rest were disagree with this. Q. 10 Has I. C. T. lead to loss of jobs in banking sector? Interpretation:The above graph shows that 64%0f employees were strongly agree that I. C. T has lead to loss of jobs in banking sector,16% of employees were disagree with the statement. Q. 11 Has I. C. T. affected efficiency in banking services? Interpretat ion: The above graph shows that 68% 0f employees were strongly agree that I. C. T. has affected the banking services,30% were also agree & 2% were disagree with it. CHAPTER- 5 FINDINGS, CONCLUSIONS & RECOMMENDATIONS Findings : 1. 66% of the customers respond that they are getting better services after using Information & communication technology. 2.It was found that 98% of customers & 100% of employees a were of the Changes due to new system technology. 3. It was found that 82% of customers strongly agreed that ICT has improved the Service delivery of the bank. 4. 98% of employees of employees accepted that the information & Communication technology has affected the banking service in positive Manner. 5. This was found that because of ICT has lead to the loss of jobs in banking sector. 6. During the study it was found that because of lower network connectivity Employees as well as customers were getting problem in service. . 100% of Employees as well as customers said that the imple mentation of I. C. T. is essential & effective in banks. Conclusion * Banks offering internet-based products and services should have reliable and secure methods to authenticate their customers. * The level of authentication used by the financial institution should be appropriate to the risk associated with those products and services. * Financial institution should conduct a risk assessment to identify the types and levels of risk associated with their internet banking application.Where risk assessments indicate that the use of single-factor authentication is inadequate, financial institutions should implement multifactor authentication, layered security, or other controls reasonably calculated to mitigate those risks, the agencies consider single-factor authentication, as the only control mechanism, to be inadequate in the case of high risk transaction involving access to customer information or the movement of funds to other parties. * Most of the customers are satisfied with the services provided by banks. The objective of the study was to find out the effect of information & communication Technology on the efficiency of banking sector in certain private as well as public banks, It was to find out how service delivery is effected after using the ICT in banks. * The study concludes that information & communication technology plays more significant role in the increasing of the banking efficiency in both, private as well as public sector banks. RECOMMENDATIONS:- ? Raise awareness and promote the concept of information &Communication technology among the customers as well as bank Employees. The method of authentication used in a specific internet application Should be appropriate and reasonable, from a business perspective, In light of the reasonably foreseeable risks in that application. ? Conduct training programme once in the month. ? Encourage the use of E-Commerce by providing the better & fast Services. ? An effective authentication method should have c ustomer acceptance, Reliable performance, scalability to accommodate growth, and Interoperability with existing systems and future plan . With the growth in electronic banking and commerce, financial Institutions should use reliable methods of originating new customer accounts online. ? Financial institutions should rely on multiple layers of controls to prevent fraud and safeguard customer’s information. ? Recognize the needs of employees while using the ICT. ? should provide the fast & regular ICT services so that employees can deliver the fast services & customers can gat the better services. ? The daily updating & awareness of new changes in ICT must be in Practice.LIMITATIONS ?The research conducted was limited to Udaipur City only. ?Findings of the study are based on the assumption that respondents have Divulged the correct information. ?The study is confined to selected groups of employees & customers in banks of Udaipur city. ? Few respondents were so much occupied wi th their work that they could not Spare time to fill the questionnaire. ?Due to unwillingness of providing any information, the respondents Filled the questionnaire casually which might have affected the conclusion.BIBLIOGRAPHY www. google. com www. rediff. com Kothari. C. R Research methodology; methods & techniques Questionnaire – 1 FOR BANK EMPLOYEES Contact Person________________________________________________ Age______ Gender_____ Designation_______ Phone No. _____________ Official Address_______________________________________________ _____________________________________________________________ Q. 1Are you a were of the changes due to information and communication Technology in banking system? Yes [ ] No [ ]Q. 2 Is your Bank using I. C. T.? Yes [ ] No [ ] Q. 3If yes, for how long I. C. T. is used in this bank? 0 – 5 [ ] 6 – 10 [ ] 11 and above [ ] Q. 4Do you think that implementation of ITC is essential and effective for Banking sector? A) Agree [ ] B) D isagree [ ] C) Strongly Agree [ ] D) Strongly disagree [ ] E) neutral Q. 5Has ICT Brought Positive changes in your working way of doing job?A) Agree [ ] B) Disagree [ ] C) Strongly Agree [ ] D) Strongly disagree [ ] E) neutral [ ] Q. 6Do you think that ICT has brought Positive changes in this bank? A) Agree [ ] B) Disagree [ ] C) Strongly Agree [ ] D) Strongly disagree [ ] E) neutral [ ] Q. 7What problem do you face while using this new system technology? A) Difficult to operate [ ] B) Difficult to Understand [ ] C) Easy [ ] Q. 8Did you get training to use the new system technology?A) Agree [ ] B) Disagree [ ] C) Strongly Agree [ ] D) Strongly disagree [ ] E) neutral [ ] Q. 9Do you think ICT has improved the performance of employees in this bank? A) Agree [ ] B) Disagree [ ] C) Strongly Agree [ ] D) Strongly disagree [ ] E) neutral [ ] Q10Do you think ICT has lead to loss of jobs in banking sector? A) Agree [ ] B) Disagree [ ] C) Strongly Agree [ ] D) Strongly disagree [ ] E) neutra l [ ]Q. 11Has ICT affected the productivity / efficiency in Banking services? A) Agree [ ] B) Disagree [ ] C) Strongly Agree [ ] D) Strongly disagree [ ] E) neutral [ ] Q. 12Is any improvement required? Yes [ ] No [ ] Questionnaire – 2 FOR CUSTOMERS Contact person_________________ Age ____________ Gender__________________ Educational Qualification: Under Graduate Graduate Post Graduate Other specify Q1. What type of Account do you operate?A) Saving [ ] B) Current [ ] C) other specify [ ] Q. 2For how long have you been using this bank? A) 0 – 5 [ ] B) 5 – 10 [ ] C) 10 – 15[ ] 15 and above Q. 3Are you aware of the changes due to information and communication Technology in banking system? A) Yes [ ] B) No [ ] Q. 4For last how many years your bank is using I. C. T.? A) 0 – 5 [ ] B) 5 and Above [ ] Q. 5Is every Department is computerized? A) Yes [ ] B) NO [ ] Q. Do you find any problem while using this new system technology? A) Difficult to operate [ ] B) Difficult to understand [ ] C) Easy [ ] Q. 7Do you find Bank staff co-operating? A) Yes [ ] B) NO [ ] SQ. 8Did you get any help services to use new system technology? A) Agree [ ] B) Disagree [ ] C) Strongly Agree [ ] D) Strongly disagree [ ] D) Neutral [ ] Q. 9 Do you think ICT has improved the service delivery of the bank ?A) Agree [ ] B) Disagree [ ] C) Strongly Agree [ ] D) Strongly disagree [ ] D) Neutral [ ] Q. 10Are you satisfied with the Banking services providing you after using I. C. T.? A) Agree [ ] B) Disagree [ ] C) Strongly Agree [ ] D) Strongly disagree [ ] D) Neutral [ ] Q. 11Do you have account in both public sectors Bank as well as in private sector Bank? A) Yes [ ] B) No [ ] Q. 12if any improvement required? A) Yes [ ] B) No [ ]

Friday, November 8, 2019

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buy custom Academic Poster essay The above academic poster was created after considering the appropriate theories and models applicable in designing of posters. The diagram shows a schematic representation of tools that are expected to be used in the risk management analysis of TECHNEAU. The particular case study was conducted on TECHNEAU to try to perform an effective risk assessment. Also, it was created to improvise risk management techniques in the provision of safe drinking water for individuals. A case study was carried on to assess the risks that exist in the provision of safe drinking water for individuals and the provision at an affordable cost for all the stakeholders involved (Techneau.org, 2009). There are many potential risks in water provision services. Some of the risks include the provision of water containing too many chemicals. They can be added over the required and recommended levels. Personnel, working at the water provision services organization, might also fault and fail to put any water treatment or no water treatment chemicals as required. This is likely to result in potential health problems for the individuals that might consume the water. Such risk would have a high likelihood of leading to deaths, especially if people would not be notified of the disease causing pathogens that they might be exposed to after consumption of the water. It would also have a high probability of exposing the organization to litigation in court. There are many individuals in the society, which would not understand why the organization failed to perform its duty in provision of safe drinking water to people that depend on it. The actual occurrence of such risk would also make stakeho lders of the organization and its clients lose confidence in the company. As a result, they would feel that such an action might occur again since it has already happened in the first place (Techneau.org, 2009). After analysis of all the possible negative outcomes the company, therefore, felt that it was necessary for them to perform a risk analysis, which would expose the weak areas in the organization. The management of the company developed policies and guidelines that once implemented could avoid risks and remove hazards. Risk management was also performed to offer means through which the organization could develop control measures in case the organization was to actually experience the identified risks (Drennan McConnell, 2007). When analysis is performed on water, the personnel evaluates the results and interprets them on the basis on the risks that the water poses, in terms of endangering individuals health. The personnel is trained to classify the levels whether it is acceptable or not. The level of risk that is posed might be at low levels and might warrant the personnel to control the overall risk. Once the risk levels have been measured, the management of the organization should decide on the best ways to deal with the outcomes such as leave the situation the way it is, completely change the situation or reduce the risk levels. The performed action would also be dependent on the available funds and on the training of the available personnel. In the TECHNEAU case study, the risk analysis, risk evaluation and risk reduction tools and methods were analysed more carefully. Risk Measures Risk measures, utilized in this particular case study, involved use of qualitative and quantitative means to get a better perspective of the situation. The qualitative technique used in analysis and measure of the risks in the organization included Coarse Risk analysis (CRA) (Boulder et al, 2007). The potential hazardous situations in the provision of water services for the organization were graded depending on the level of the occurrence chance. The chance that the risk might occur is issued with a P (frequency/ probability). The outcome of the risk event occurring is designated as C for outcome of each of the events. The chances of events occurring are issued with different terms such as rare or frequently occurring. The likely outcomes of the risk factors are classified on the scales as being small, intermediate or very serious (Techneau.org, 2009). Trained personnel in the water provision sector could be able to give details that are more specific on areas such as a more comprehensive approach of interpreting different levels of the consequences that exist as the risk factors in the water outcomes. For example, an individual that has been trained on technical issues about water supply could be able to translate that rare could mean that the risk factor of the given event could be once in a week or once in three months. A trained individual might also be able to provide the translation of small in context of a health risk. It means that the one should be able to explain how untreated water could affect individuals health. The figure shows the probable outcomes. It could be used to give the information used for analysis of the results. The figure shows the chances of the different likelihoods and the different outcomes. The obtained results could be used for interpreting the data using methods such as the free tree analysis. It could be done in order to give results that can be clearly understood and used for presentation to individuals that might not have technical training about water provision details (Twig, 2004). The parameters, which would be affected by the water provision in this case, would be the possible negative health outcomes for clients who consume the water. To correct the situation, the water provision company would have to cut off the water supply to the clients. It is done in order to do damage control of the water by providing treating with necessary chemicals. The company also tested whether the treatment be effective in terms of making the water safe for consumption through killing disease causing pathogens in the water (Techneau.org, 2009). The management of the organization would have to conduct a survey on resilience of the risk. Acknowledging and accepting risks are one of the greatest steps towards achieving the desired risk management in organizations. The discovered risks could be compared to already established guidelines that state the levels of acceptable risk for the organization. Through use of the acceptable outcomes, the management team could be able to make the necessary decisions concerning water provision and the necessary action to be taken. For example, the risk factor could be found to be so huge that the company would have to close their water supply to certain areas. It is performed in order to treat the water and control the risk that has already been breached. Risk control would invole strict control measures to reduce the negative effects on people exposed to the contaminated water. The management would have to make fast decisions even if the information available to them would be limited (Thorton, 2002). Risk control involves contacting all the stakeholders so that they could be aware of the situation so that they could play their part. The risk control action should be taken to the management of the company and should involve careful planning. For example, the management should be aware of the time that is needed to resolve the technical difficulties. Risk control should be used together with other tools in the organization to ensure that the risk is well handled and the organization is able to save the situation at hand (Solvic, 2000). The management should be as open as possible when its representatives communicate to the clients about the problem they might face and the measures being taken. It is used to ensure that systems are corrected, up and running. Once the management briefs the clients through the media, they can be able to salvage their image with the public. As they are admitted to the fact they make mistakes, but they are sufficiently noble to acknowledge their mistake and seek fast and effective solutions. The determination should be shown effective to all the members involved. Systematic processes should be followed by the organization to come up with solutions for risk outcomes. The principle of proportionality dictates that the possible decisions, proposed by the organization, have to offer highly valuable determinations, which confer benefits in comparison to losses and to all the stakeholders. The principle of reason should use the decision making process. Thee action should be within the economic limits and capabilities of the organization. The principle of allocation should be applied whereby the resultant outcome should ensure that neither the organization nor the society feels unfair through the decision. All the decisions that might have risky outcomes should be avoided. This is dictated by the principle of risk avoidance. The case study shows the different aspects that might have to be considered by an actual organization. Part B Analysis of Theory, Concepts and Research in the Poster Application of risk management in the poster Uncertainty is a risk that all organizations have to encounter because not everything that they plan is likely to come up the way it has to. Furthermore, different actions, carried out by the management, are likely to lead to different outcomes some of which might be unexpected. Risk management is necessary in the modern world where competition has gripped all organizations and they struggle to stay afloat amid the competition (Drennan McConnell, 2007). Organizations have to come up with innovative techniques and involvement of talented human resources to gain a competitive advantage, especially when benchmarked with other organizations. Competition has evolved to global level with the introduction of many products and services that have gained popularity and enlarged markets all over the world. Trading in a competitive environment automatically introduces an element of risk. It has to be well managed in order to ensure that an organization remains in business and is still competitive in comparison to other organizations that might be dealing with the same kind of business or trade (Kasperson, 2005). Risk management can be applied to any form of organization regardless of size and business area. It involves identification of risks, use of available resources to minimize and control those risks. Most common risks are usually caused by the nature of uncertainty in financial markets, wrong direction in the course of a project, carried out (Tversky Kahneman, 1983). Failure of a project can occur at any point starting from the initial point, when it was created, to the phase when the project is implemented. Risks might arise from factors that the organization has no control over uncontrolled factors. For example, an earthquake might lead to huge losses in terms of profits. The losses might be huge in terms of lost opportunities or loss of confidence from stakeholders. One of the actual risks might be an attack from competitors. It would require the organization to do damage control and try to emerge on top in such a situation (Twig, 2004). Risk management is a very important and necessary field to be applied to business. The accurate assessment can be used in the application of strategies dealing with such risks as transfer to a specialist in the area of risk management. The possible negative outcomes can also be managed in a way of mitigating the undesirable effect and lead to better results. Risk Principles, Practices and Terminologies Different risks exist in organizations and they are always dealt with according to the seriousness and available resources. In most business structures, the risks that can lead to the greatest losses are a matter of priority. Sometimes risk might not be tangible. This aspect is known as intangible risk management (Thorton, 2004). The type of risk usually occurs because organizations do not have enough information to deal with the kinds of risks they are exposed to. Process engagement is also a common exposure that might occur when the correct processes are not followed. Relationship hazard occurs in organizations that are usually exposed to ineffective work processes. It might be caused by lack of team work and communication (Twig, 2004). Various principles are used in the assessment and management of risks to encourage effectiveness in application of different techniques. Creation of value should be one of the first processes that are secured before the implementation of the risk management process. The risk management process should create the concept of integrating all the involved employees in the implementation process that contributes to the reduction or control of risks facing the organization. The international organization standardization (ISO) dictates that risk management principles should involve addressing of all assumptions and uncertainties that might be held by the staff in the organization (Royal Society Study Group, 1992). Addressing of the employees attitudes and actions is a very important factor in the management of risks. A systematic process should be followed to ensure that all members of the organization are involved in the processes that are undertaken in the risk management (Solvic, 2000). All risk analyses and management should be desiigned to suit the risk needs of the specific organization. There are no two organizations alike and this should be reflected in the solution that is made available to one of them. To ensure that there are free flow of information, risk management solutions should be very transparent. This would increase clarity for the employees in terms of their roles and objectives that they would be expected to fulfil (Chapman, 2007). Key Conceptual Models of Safety Culture and Error Management Organizations should ensure that the employees are highly trained in terms of dealing with potential risks that might occur depending on the field of business. Management should also strive to establish safety cultures whereby regular training is performed. Teams should be put together to improve their trust relations and their ability to tolerate and appreciate each others differences. it would promote a harmonious working environment at the workplace (Drennan McConnell, 2007). Organizations should establish and implement consistent and systematic guidelines that would promote a safety culture in the organization. Error management targets the reduction of risks occurrence in organizations and the mitigation of the consequences when they do occur in organizations. Organizations can positively view the management of errors to avoid too much pressure on the employees, which might result in more errors. Organizations find out the situations that might lead to high stress factors for their employees. Management has to work in the direction of reducing stress factors and any other aspects that might cause to reduction of errors made in the organization (Kasperson, 2005). Construction of Risks Risk is constructed with the help of various techniques. The stuff of higher level determines the risk management tools and techniques to be utilized in organizations. The qualitative risk management tools are usually aimed at the development of knowledge about tools that can reduce the risks, which can occur in organization, and means of avoiding those hazards. Quantitative risks are usually used to control the risks that might occur in an organization through the implementation of security systems, which would avoid or mitigate the risk in question (Solvic, 2000). Qualitative methods should make proper use of the human personnel in the organization. Those people, who are on the ground, might be in a good position to offer solutions to problems that the organization is facing. Tools for identifying risks involve using technology, brainstorming, self-assessment sessions and workshops, carried out by risk management experts, filling questionnaires and conducting interviews (L fstedt, 2003). Relationship between Risk Management, Strategy, and Governance Risk management is considered to be important as far as organizations need to develop in order to gain a competitive advantage over their competitors and ensure that they perform as well as expected within an organization. Risk management is a strategic tool used in organizations to develop stable workable systems. Effective managers ensure that the organizations have well equipped risk management systems so that they could effectively diagnose the risks that might be faced. It is performed in order to reduce negative financial effects related to risks (Chapman, 2007). This would help businesses to stay afloat in the market and to appear competitive when benchmarked with others that work in the same sphere. Leaders, using risk management, can expect high results in terms of performance because of the effective diagnosis and tools used in risk management (Bouder et al, 2007). Vulnerability and Resilience In an organization, the management of factors that might lead to the reduction of profits that are likely to be gained should be given priority in terms of resources, time and personnel allocation. Avoiding risks can be one of the best methods to ensure that businesses do not risk losses of their resources and, in case they risk their losses, the losses might be reduced. The disadvantage with avoiding risks is that it might lead to loss of opportunities that might present potentially high benefits (Frenkel et al, 2005). Hazard prevention involves avoiding risks in case of an emergency. Risk reduction is also a commonly used by many organizations, for example, use of software security systems to ensure that the costs that are incurred are controlled effectively. Risk resilience involves acknowledging and accepting losses that have occurred and an attempt to reconstruct the parts of the organization that has incurred damage. Risk resilience might involve risks that result in high damage to the organization in terms of not being insured or risks that might not be acknowledged by insurance companies. Such risks might include natural catastrophes such as earthquakes, typhoons and other kinds of natural disasters that might involve a lot of damage to a company. Risk communication involves various principles, which should be adhered, to ensure that firms maximize available risk management resources (Frenkel et al., 2005). Communication in risk management should be concise and involving to the members of the organization. It is important that the employees feel they are involved in not only the implementation process, but also in the decision making. In risk communication, the management should ensure that they have all the necessary analysis information in terms of strengths, weaknesses, opportunities and threats. The detailed information would place the organization at a competitive edge in comparison to their competitors and give possibility to deal with issues that affect them. Problems that organizations encounter can be either internal or external. The external environment and the stakeholders should be communicated to and given the necessary information they require. It helps them to perceive the organization in the way that is intended and in a beneficial manner. The management of the organization should ensure that it deals with the concerns of both the internal and the external stakeholders (Bouder et al, 2007). Shareholders might have concerns about anticipated risks or those that have already occurred in the organization. The management should ensure that it prepares the necessary information of a report to address the concerns of such clients. When clients and shareholders feel that their concerns are addressed instead of being ignored, they are more likely to show trust to the organization and confidence in it even when it appears that the organization performs badly (Crounchy, Galai Mark, 2000). Buy custom Academic Poster essay

Wednesday, November 6, 2019

Jeffersonian Federalism essays

Jeffersonian Federalism essays In a time when America was but a wee nation, its economy struggling for stability, its people divided by lifestyle and political viewpoint, Thomas Jefferson ascended to presidency in what was said to be a revolution of politics and democracy. Creator and leader of his own political party, Jefferson sat his Democratic-Republican buttocks upon a Federalist presidential throne. Tom proceeded to convert the tariff-oriented, pro-upper class government into one more for the common man, yet early into his presidency, the revolution seemed to be happening more within his political thinking than his government. The self-proclaimed anti-federalist made a steady descent into the dark side. Jeffersons Jeffersonian priorities seemed to take on a gradual shade of Federalist, tainting his supposed identity as a passionate anti-Federalist. As the new president reshaped the government, Alexander Hamiltons framework was left practically untouched, with the exception of the excise tax. In fact, Jefferson later became a great supporter of the industry aiding tariffs, defying his Democratic-Republican ideal of a laissez-faire, pro-agricultural economy. He also wound up supporting previously set plans for a central national bank, a completely Federalist idea. The Louisiana Purchase was possibly the greatest real estate deal ever made at 3 cents an acre, but Jefferson succumbed to the deal biting his lip. Attempting strict Jeffersonian frugality and adherence to the constitution, he allowed himself $10 million to spend on this deal. When the price tag showed itself at $15 million and pressure was laid on the man to swiftly finish the deal, Jefferson agreed, quietly condemning its unconstitutionality. Possibly Jeffersons greatest example of Federalist thinking was the Embargo Act of 1807, where his interesting interpretation of the constitution brought him to believe control over commerce allowed the president to stop all foreign trade. Th...

Sunday, November 3, 2019

Makting Essay Example | Topics and Well Written Essays - 250 words

Makting - Essay Example This would speed up the process of value addition and also expedite the development of new product. It greatly facilitates in putting effective measures to reinforce the behavior that they have identified with the customer’s changing preferences and priority. Advertisements are the other key facilitators that not only create need for new products but also help to increase the demand of existing products. While quality and relationship building are critical elements of marketing, the advertisements help to reinforce the need for the product and thereby hugely influence consumer’s purchase decisions. I would therefore use various media to promote the product. The various media in the region become vital tools to popularize the product. They also introduce ideas and help establish a distinct need amongst the target customers. Television is one of the most dynamic platforms for advertising goods and services. The innovation of idea that is creatively translated into advertisement on the television can successfully turn viewers into

Friday, November 1, 2019

Defending beauty as in Whats wrong with beauty and being beautiful Essay

Defending beauty as in Whats wrong with beauty and being beautiful - Essay Example al – referring to the professional environment; a careful review of the conditions of a specific workplace can lead to the assumption that beauty can be a powerful tool supporting the communication but it is not a criterion for the professional development – neither of the males nor of the females. The issue of beauty and its influence on the various aspects of personal, social and professional life has been examined in the literature and the empirical research. Indicatively, we could refer to the study of Derenne et al. (2006, 257) who noticed that ‘throughout history, the ideal of beauty has been difficult to achieve and has been shaped by social context; current mass media is ubiquitous and powerful, leading to increased body dissatisfaction among both men and women; parents need to limit children’s exposure to media, promote healthy eating and moderate physical activity, and encourage participation in activities that increase mastery and self-esteemâ₠¬â„¢. In other words, personal perceptions on beauty are likely to be developed – at their primary stage – during the early years of the human life; the images of the media and the press can influence the perceptions of children on beauty and lead them to the development of specific assumptions regarding the power of beauty and its role in the various aspects of personal and social life. Current paper focuses on the examination of the various aspects of beauty as a tool for the achievement of specific personal targets; beauty is related with a series of achievements in the professional and the social life but not for the reason that could be primarily thought of. Beauty – in opposition with the views of Wolf in her book Beauty Myth – is not the final target of males and females in countries across the international community; it is rather the tool of the achievement of such targets (either in the short or the long term). The influence of beauty on a person’s psychology cannot be doubted. In a