Identifying and Explaining Physical skills and Physical techniques Essay

Physical Skills * Arm height * Head position * Speed of arm rotations during delivery * Ability to bowl for extended periods of time * Speed of the run up Arm Height Effects of High Actions: * Extra bounce than usual * Extra pace and sometimes bowlers are able to skid the ball too * Extra Balance in the delivery stride * Extra accuracy, if the bowler has a side on action notably. Head Position This shows a delivery side on. The head position of this player is kept facing the target, straight and steady at all times. Focusing on the target will provide the following things: * The delivery will ultimately go where targeted at * No possible injuries to the neck; any sudden jerks will stretch the neck muscles and sometimes will result in strains and tears * It will help in the momentum and balance in the delivery stride Speed of Shoulder Rotations If a player wants to bowl quickly, the main aspects of bowling quickly is 1. The speed of which the shoulder rotates and 2. An explosive action. Shoaib Ahktar, for example, has both of these and bowls with tremendous pace, the rotations of his shoulder allow him to exceed speeds of over 9Omph each delivery. Ability to bowl for extended periods of time In this scorecard of a 1938 Test Match, M G Waite, a single bowler bowls 72 overs. In doing this requires massive Cardiovascular Endurance, Stamina and Motivation. Two other bowlers bowled over 😠¯ between them, but these bowlers were spinners. M G Waite was most likely to be a seam bowler so this type of bowler must be prepared for extensive bowling, including breaks at intervals though. Speed of the run up Fast bowlers such as Dennis Lillie and Michael Holding all ball with outstanding pace and to do this they must have a source: The Run Up. Both these bowlers have unusually long run ups, Dennis Lillie’s at 47 paces and Michael Holding’s at 5O. Cardiovascular Endurance and Stamina play a big part in maintaining there pace and consistency The run up of these bowlers should be Smooth, Balanced, Economical, Rhythmic and Consistent. * Small steps initially; led to larger strides * The body ‘leans’ forward * The arms stay close to the body * The hands remain in motion, carried above the waistband and the within the width of the trunk * The head remains steady, with the eyes fixed on the target.

Business of Being Born Essay

There is a culture of â€Å"women-only† that runs rampant in spaces for pregnant women. Much of the talk is about how valuable women find the support of other women. It also excludes men from the process and experience of pregnancy, as much as they can experience it. Overall the film focuses on the fact that women have been told they’re not responsible for their birth. Katsi Cook, a Mohawk women and Native women’s health activist said she â€Å"believes that the relationship of trust and respect between a woman and her midwife empowers the woman to ask questions and obtain the information she needs to make real choices about her health and life. (The Mother’s Milk Project, 611) In the film, Ricki Lake wanted to explore women’s â€Å"rite of passage,† by giving the power back to the women. There’s this idea since hospitals are a business that once they â€Å"facilitate† an intervention has been started and it becomes a domino effect after that. When these interventions have started, the questions: â€Å"what’s best for the baby? † â€Å"Is the baby going to benefit from this or not? † need to be well thought out. According to Overview of Maternity, â€Å"medical evidence shows that the routine use of unnecessary interventions put mothers and babies at risk. In the film Marsden Wagner M. D. , stated that there is no history of worthy obstetrical practices and careful studies of the long-term effects of the interventions. The United States has gotten away from midwifery starting in 1955, only 1% of births took place at home. The culture shift portrayed midwives as â€Å"vestige of the old country. † Midwives were understood as dirty, ignorant and illiterate. Now midwives are often perceived as unprepared. Once doctors started graduating from medical school, business took over the birthing process. Births then went into the hospitals and midwives did not follow. The concept of normal changed. Midwives often lack available and affordable malpractice insurance; because of this midwives are then perceived â€Å"inferior† to physicians. Overview of Maternity states â€Å"Midwives recognize birth as a normal, natural process and support the use of less invasive techniques, such as position changes, waiting, hydrotherapy, and perinatal support, that carry fewer risks to mothers and babies and are usually more effective. † Another effect the culture has on the lack of midwives is when the culture as a whole insinuates that birth s scary and dangerous. Yes, there will always be some sort of risks when it comes to birth. However, that is where I believe technology has had a positive effect on birth. More than less, we are now able to detect the dangers ahead of time. The film associates the amount of trust we put into hospitals and technology is reflected upon our infant-mortality rate. Our neonatal statistics are not the greatest. In the film midwives and hospitals are not looked to blame. It is our diverse population that distorts those statistics in where we stand in the world. The argument presented in this film to revitalize midwifery focused generally on the idea of pain suffered during birth was the only way to feel accomplished and provide love for their baby. However, I completely disagree. Women that undergo C-sections and even families that adopt can have the same amount of love for their children as the women that endure pain during birth do. Normal births are not medical issues, yet they may turn into life threatening issues within seconds. Not all women are the same, they have different difficulties, and some even have disabilities that impact their birthing process. Which then increases the risks. According to Overview of Maternity, â€Å"Research shows that midwives are the safest birth attendants for most women, with lower infant and maternal mortality rates and fewer invasive interventions such as episiotomies and surgical births (cesareans). † Optimum outcome of the mother and child is based on how open to suggestions we are with midwives and patient satisfaction. The validity of your options must always be questioned. The safety of the birthing process is going to vary depending on the training, patient choice, and circumstances on geographical constraints.

Disaster Management

Disaster management is the actions taken by an organization or a country in response to unexpected events that are adversely affecting the citizens or a group of people. It’s also a body where policies decisions and all-important issues require to respond and correct the effect caused by the natural disaster is carried out. What is of must important in dealing with any kind of disaster management involves health issues and policies how to manage the provision of these health facilities training peoples on how to prevent themselves from being infected by communicable diseases.Handling cases of psychological nature and making sure that information systems dealing with health cases are reading available. The fundamental issue of dealing with water deficiency in urban area is first of all setting up emergency camps where free drinking water are offered to the residence to avoid them drinking contaminated water. Tankers should be requested to carry water to the affected in large qu antities to cut the estates in the affected area. This will enable the citizens to have access to the commodity very quickly and easily. This will also prevent affected people from using contaminated water.This water should be ensures that it is clean and pure from any contamination. The pricing of this commodity should also be educated on ways of using this water purification techniques i. e. one bottle top of this water purifier usually is mixed with 20 liters of water. Another security measure of dealing with this disaster is by setting up emergency camps in the area to deal with any cases relaxed to this problem. It will also be a center point where the residents of the area will seek information on contentious issues whenever any panic on an outbreak of a disease is reported.Government should also be requested to assist in the drilling of boreholes which will enable the tankers have easier access to water as they delivery it to the residents. The boreholes will also help in dea ling with emergency cases in the future. Although these points are easier to explain there are so many challenges faced in implementing them. Mobilizing the government to provide funds for financing the tankers is a fundamental issue, which requires more courage, and more people to press for this issue will help in providing free medical services and information is another bottleneck in dealing with this issue.This might also require a group of people to help convince them to provide these necessary services to the people. The government also needs to be mobilized to provide machines and equipments for drilling the boreholes. They also need to identify land where these boreholes should be constructed. Obtaining institutions to help in providing aid to the affected communities needs the help of the media coverage. This in turn realizes an individual who can satisfy the media to air the incident free of charge.Though this plan is not so hard to implement it is most likely to be faced with funds and voluntary services. This is so because the government might not act swiftly to helping the affected people. Most of the institutions also may lie back to providing free services. Free chemicals for treating water is also an issue which requires the support from the government and media houses in convincing some of the companies manufacturing such items to provide assistance to the affected people.

Mergers and Acquisition Essay Example | Topics and Well Written Essays - 3000 words

Mergers and Acquisition - Essay Example The paper here studies the effectiveness of the mergers and acquisitions and also the limitations of the overall process in gaining the profitability of the newly formed company. The role of Merger and acquisition: Most organization incorporates the strategy of the mergers and acquisition only in time of crisis faced by them. As a result the organization entering in to the process fails to critically look in to several issues like the strategic fit, and the risk involved with such strategies. The shareholders value in the firm takes a major setback due to such hasty decision making, from the companies’ behalf. The organizations should critically analyze the role play of such strategies. Generally there are various roles which are carried out by the undertaking of an effective merger and acquisition strategy. (The Boston consulting group, n. d) Mergers and acquisitions can create opportunities for the organizations to lower the respective cost of various expenses incurred. The incorporation of the merger strategies by the organization helps them to establish a new set of business model which can result in gain of productivity of both the organizations concerned. The overall market position can also be improved by the successful implementation of the strategy. Overall the mergers can create opportunities for an organization to gain new capabilities or simply add to their existing skill set. (The Boston consulting group, n. d) The success factor of the mergers and acquisition can lead to a gain of the scale both in measures of scale and scope. A successful merger can lead to the elimination of various risks associated with the execution of the business. The option of leveraging the asset of the acquired organization with that of the other organization provides huge financial benefit for the organizations. A successful merger can also lead to tremendous growth and diversification of the organizations. (Hunt, 2009, p.212,) It has been noted that the recent tr end suggests that the organizations are failing to apply the strategy of the mergers and acquisitions in a proper fashion which has contributed to the overall failure. The fine line between the success and the failure of the mergers can be based on significant factors. As the mergers and acquisitions of the organizations leads to a complete restructure of the companies, proper effort form the management is needed to be careful after the implementation. Other than the financial and market factors organizations also needs to be careful regarding the human resource planning. . (Mergers integration, n. d)The failure of the mergers can significantly hamper all levels of the organization. Due to the non achievement of the expected gains of the organization the shareholders are affected at the beginning and it leads to their discontent. The most severe implication of the failure of the mergers can result in the accumulation of more amounts of losses for the organization than the gains whic h leads to the decline of the value of the shareholders. The failure can lead to a complete business tragedy for the organizations by factors like decrease of productivity, and customer satisfaction and loss of reputations of the brand name. (Mergers integration, n. d) Reasons for failure: The reasons for the failure of the

Roles of presidency in the United States Essay Example | Topics and Well Written Essays - 1000 words

Roles of presidency in the United States - Essay Example Thus, the first power that is vested in the presidency of the United States is the position of the commander in Chief of the Army and the Navy of the United States (Reagan, 7). Under this power, the presidency can direct that the USA enters into war with another country through commanding the army and the navy to invade the territory, although after the approval of the congress. The presidency is also the commander of the militia under different states, on the event that such militias have been called upon to the service of the United States. Under the powers vested in the presidency of the United Sates, the occupant of that position has the powers to pardon any offence against the United States, except under the case of impeachment (Grant, 47). The other power vested in the presidency in the United States is the powers to constitute a government and to spearhead the implementation of the government agendas. Thus, under these powers, the presidency plays the role of appointing the to p government officials who include the ministers responsible for different departments, as well as the appointment of the judge of the Supreme Court and the different ambassadors to various regions of the world, with the approval of two-thirds of the senate (Bumiller, 132). The presidency is also responsible for entering into treaties with different nations and other relevant authorities and organizations globally, backed by the consent of two-thirds of the senate.

Journal opinion article Essay Example | Topics and Well Written Essays - 750 words - 2

Journal opinion article - Essay Example Puerto Rico debt obligations have ashamed the debt obligations of Detroit. Detroit which had 7 hundreed throusand residents went bankrupt for piling up debt obligations of 18 billion dollars which were not serviced. In comparison to this, the condition of Puerto Rico is severely devastating with the figures of debt obligations that are unfunded in various obligations and pension funds of 3.5 million residents remaining unserviced. The debt obligation has grown to a whopping amount of 87 billion dollars and the government has reached a situation where they are going to run out of funds. The island of Puerto Rico has been expecting a bailout from the US administration in order to save their economy. However, real facts indicate otherwise with news of the US brokerage firms advising investors to stay out of investing in the bonds of Puerto Rico that they plan to use to finance their debt obligations. In order to attract the investors, Puerto Rico has issued bonds with a forecasted yield of 9.29% which exceeded that of Greece. For this reason, Puerto Rico is being referred as Greece of America. In 2008, the measures taken by the government to stabilize the economy created a situation of debt trap for the territory of Puerto Rico. The governor at that point of time undertook measures like cutting down government jobs, reducing income taxes to half as well as reducing the corporate tax rate by about 9%. These measures were undertaken by looking at the limitations of government in funding the economic investments and their abilities to meet the level of expenditure with an eye on the treasury. The steps were also taken to maintain an optimum level of liquidity in the economy and contain inflation by restoring a balance between the demand and supply in the economy. The level of government job cuts reduced the expenditure of the government in terms of payment of salaries. Although this provided relief to the policy makers in the short term, the government job cuts also led to decrease in production volumes. The decrease in production volumes meant that the supply of goods and service decreased. The slowdown of the GDP led to the reduction in the earnings of revenues of the government. Although, the government of Puerto Rico tried to maintain stability by injecting liquidity in the economy through reduction of corporate and individual taxes, the slowdown of the income level and the earnings meant that the investments and the demands also deteriorated. The revenue earnings of the government suffered and the treasury volume got depleted over a period of time. Due to this debt trap in Puerto Rico, the government ran out of funds and the economy headed towards a debt crisis. The debt crisis of Puerto Rico is slightly different from that of Greece due to the fact that a major part of its debt obligations are long term. Due to small short term debt obligations, the territory would get some more time to restore its financial status and recover from the de bt obligations. The government has also taken austerity measures to control the situation of debt crisis. This includes an increase in the contribution of the state from 8.275% to 10% in the pension plans. By doing this, Puerto Rico had planned to get more funds in the pension schemes that could be used to service the debt liabilities and the long term maturities could be paid with the restoration of economy in future. The measures taken by the

Should English become the official language. (Should there be an Essay

Should English become the official language. (Should there be an official world language.) - Essay Example Therefore, I believe to a large extent that English (or any other language) should not be made the official language of the world because there is a lot of scope in the field of multilingualism, multilingualism has a huge positive impact on an individual’s cognitive development, and one’s language is an integral part of one’s culture and ethnicity (Baker and Jones1998). Multilingualism means the use of many languages by an individual. Although many people are learning to speak English, no fact can deny that the field and demand of multilingualism is enormous. Even the United States, the country where English is the most spoken language, has a great need for individuals who can speak multiple languages. The reason why the field of multilingualism is so vast is because multilingualism itself applies to so many different professions. For instance, multilingualism can be used in international trade, international diplomacy and foreign relation. It can also be used in national security and defense, marketing, business, engineering, community development, public relations and media. Medical and health care professionals should know more than one language in case they come across a patient who is unable to speak ‘the official language’. ... Moreover, if English or any other language would be made the official language of the world, it would be extremely time-consuming for non-English speakers to learn a whole new language, not to mention the loss of jobs that interpreters and translators would face. Even the education profession would face loss of jobs; teachers who teach foreign languages like Spanish, Arabic, Mandarin and many others would have nowhere to go. Thus, it would be a very wrong move to make English the official language of the world because there is a lot of scope in studying different languages. Furthermore, there are numerous job opportunities in the field of multilingualism; about three fourth of respondents to a survey on languages in the EU confirmed â€Å"improving job opportunities† as the top most reason why youths should learn many languages (Working Together to Build a Multilingual Society 2003; Orban 2007). Other than the availability of many job opportunities, there is another advantage of knowing many languages rather than only one ‘official’ one; creativity. Recent study has shown that an individual who speaks more than one language enhances one’s normative cognition, which leads to increased creativity. The reason for this is that due to variations in the use of specifiable processes, and the flexibility and richness of stored cognitive structures to which the processes are implemented. Therefore, the impact on an individual’s cognition of speaking more than one language results in intricate cognitive functioning, which may lead to a higher creative performance. One of the popular mechanisms of normative creativity that multilingualism can lead to is divergent thinking. Research shows that a multilingual

The Effects of Dual Credit and Dual Enrollment on High School Students Essay

The Effects of Dual Credit and Dual Enrollment on High School Students - Essay Example To resolve this issue of seniors â€Å"blowing off the senior year† due to a lack of any substantial challenge, in 1973 the Project Advance program of Syracuse University was created (Andrews, 2004). Following this development the model was adopted by various institutions and consequently there was an emergence of a multitude of dual credit programs. In 1974, LaGuardia Community College, New York established the Middle College High School program targeting alienated and at risk students in typical high schools who potentially may not succeed in acquiring their diplomas (Lewis & Overman, 2008). Similar programs were adopted by Florida International University in 1982 (Partners in Progress) and Kingsborough Community College in 1984 (College Now). Motivated by the success of the Minnesota dual credit program, Washington State passed the ‘Running Start’ program in 1990 which allowed juniors and seniors with necessary qualifications to take college level courses at te chnical and community colleges without having to pay college tuition. In 1994 this was expanded to incorporate four year universities if there were no community colleges in the high school district (Kim & Bragg, 2008; Board, 2011) In 2004, the legislature founded House Bill 3103 which established federal guidelines tailored to provide assistance to high schools via increasing the magnitude of dual credit programs, expanding the breadth of the curriculum of these programs, and tutoring/mentoring students to aid in a seamless transition into postsecondary educational institutions (Washington State Higher Education Coordinating Board, 2005). Definitional Issues Opinion is divided among experts regarding the proper terminology that should be accorded to the opportunity provided to high school students to attend college classes which generate credits at both high school and college levels. The Texas Higher Education Coordinating Board defines a dual credit course as one that includes academic as well as technical courses. For the present purpose, dual enrollment hereon is defined following Klein (2007, p.23) as â€Å"courses that allow high school students to receive both high school and college credit simultaneo usly†. These modules are typically taught by professors or adjunct instructors belonging to the institution, and the same classes are attended by college and high school students. Concurrent enrollment for early-college high schools is also located on the college campus but only high school students attend class. The Early College High School, founded by the Bill and Melinda Gates foundation in 2002 serves traditionally underrepresented students by enabling them to access the simultaneous pursuit of college credits and a high school (American Institute for Research, 2009). Because they are easier to implement as well as less expensive, concurrent and dual enrollments have gained greater popularity (Karp & Bailey, April 2005). Kim & Bragg (2008) additionally distinguish articulated credit courses such as career and technical education, International Baccalaureate and Advanced Placement which only allow high school students to apply for the college credits. The present literatur e review will restrict its focus to concurrent and dual credit courses. Notably, these courses have the twin fold benefit of assisting a high school student either to an academic career or into the workforce (Texas Higher Education Coordinating Board, 2011). The paper will primarily address the following questions: 1. What are the principal benefits and major concerns for students who participate in dual enrollment/dual credit programs? 2. What are the central advantages and disadvantages for partnering institutions? 3. What

Financial efficiency of Oman Airports Management Company in early Essay

Financial efficiency of Oman Airports Management Company in early recruitment of human resource during the transitional period of Muscat International Airport development project - Essay Example ir ground staff, air traffic controllers, air terminal operations staff, aircraft mechanics, cargo specialists, electronics personnel, passenger specialists, ticketing staff, and radar engineers among others (Young & Wells, 2011: p44). The long-term HR strategy should be geared towards the optimal support of the airport’s corporate strategy and their business situation. Additionally, such mega trends as individualization, diversity, demographic changes, education, and health should be taken into account (Loo & Chow, 2011: p1688). These aspects will then feed into the HR strategy that, in turn, will establish fundamental goals for management of HR and measurement packages that it is associated with. Most of these measures should be implemented immediately and fleshed out as the airport’s development is carried out. The targets for the airport’s HR strategy should be increasing efficiency, covering requirements of personnel, improving the airport’s attractiveness as an employer, and the establishment of excellent leadership (Williams, 2013: p56). Once the airport’s development is finished, the HR strategy should move to recruiting individuals with high personal and professional ambition and a passion to give clients world class customer service (svo.aero, 2014: p1). The recruitment process should seek out individuals with efficiency and high performance that will align with the airport’s strategy of exceeding client expectations. The first priority for the airport in their HR recruitment needs should be accommodating client needs, including visitors, passengers, and employees. The behavior and attitude of recruited staff should support their core values, while also handling the opportunities and challenges of working in an international airport. Beria, P., & Scholz, AB. 2010. Strategies and pitfalls in the infrastructure development of airports: A comparison of Milan Malpensa and Berlin Brandenburg International airports. Journal of Air Transport

Winning isnt evrything Essay Example for Free

Winning isnt evrything Essay Vince Lombardis famous saying Winning isnt the most important thing. Its the only thing is unfortunately the motto of too many athletes today. Although winning is important and sports are, and should be taken seriously, by far, winning isnt the only thing. Putting everything you have and giving one hundred percent to the effort is also very important to competition. A team that puts everything they have into a game and comes out the losers, has a lot more to be proud of than a team who comes in first but only gave some effort. Over the years many teams have lost important games due to a few inches, one pitch or a strike of bad luck although these teams lost, they take it into the next game and gave one hundred and ten percent. Last month at the Erie Mayors Cup 10K and 5K race, competitors from around the tri-state area were in competition. Trophies and plaques were to be awarded to the first, second and third place runners. A 10K is a 6.2 mile long race across the streets of downtown Erie in 85 degree heat and humidity. Runners who are running in the 10K have to show tremendous determination, stamina, speed and physical agility not to mention surviving in grueling temperatures and humidity. Great Olympic and Boston Marathon runners have dropped out of a 10K due to its intense strain. I was on hand to witness the race and saw many great athletes finish the race with great times. These are runners who put every day into running and run every race. Soon after these runners had crossed the finish line and been handed their trophies, the last runner in the race came through the finish line with his hands in the air and to thunderous applause. He was 87 years old, and had taken up the sport after his doctors told him he had a cholesterol problem when he was 67. The runner in this story was not out to win the Mayors Cup 10K, he wasnt out to set a record time or come in first. He came in dead last, but finished the race. If he would have listened to Vince Lombardi and say Oh, I cant win, their are professional runners from colleges and high schools competing against me! he wouldnt have completed his life long goal of running in a 10K. Better late than never. The most important thing is for all who participate is to have fun and do it with pride and determination, to set a goal and reach it. Two good sayings that contradict Vince Lomabardi stateIt doesnt matter if you win or lose, its how you play the game and If at first you dont succeed, try, try again Words to live by.

The Genogram As An Assessment Tool Nursing Essay

The Genogram As An Assessment Tool Nursing Essay A Genogram is a resourceful clinical tool that is being used by family therapists and medical professions as an assessment tool to assist in identifying a patients important family information (Shellenberger, et al, 2007, 368). Adding a cultural layer to the genogram has assisted many medical physicians in understanding the reasons why some patients dont understand the medical diganosis and refuse medical treatment (372). The genogram that includes biological history and cultural history has been found to be a resourceful instrument that is becoming part of the clients medical records (368). The genogram can also be used to focus attention on the biopsychosocial context of the patients health and wellness concerns (368). To start a genogram, one begins with basic answers to questions taken in during the intake session at the patients first visit to the family physician or family therapist.   The therapist or practitioner would include important events, such as deaths, marriages, and divorces all deserve careful study (Nichols, 2010, 125). It would also include answers relating to the patients nuclear family such as who lives in the household (name, age, gender, occupation, and education), where the other members live, and what health related changes or problems have the family faced most recently (Shellenberger, et al, p. 369). Other significant information included in the genogram would be concerns regarding pregnancies, illnesses, hospitalizations, deaths, and even psychiatric problems such as depression, anxieties, and phobias (Nichols, 2010, 125). In addition, dates and relationships provide the framework to explore emotional boundaries, triangles, fusion and cutoffs between family members, and critical conflicts that occur among family members (125). The answers to these questions and questions relating to biological heredity will indicate whether there are common themes that show up through generations which would indicate possible cause to current medical or psychological concerns (125). Common themes like cardiovascular disease, diabetes, and hypertension are just a few that tends to be hereditary. Genograms can find a link in a family history that indicate psychosocial problems (i.e. domestic violence, substance abuse, relationship difficulties) as well as cultural beliefs, values, attitudes and he alth practices (Shellenberger, et al, 369-370). After the patient assessment is complete the information can be transformed into an organizational family tree type drawing with symbols used to identify gender. For example, men are notated by squares and women by circles, with ages inputted inside the frame (Nichols, 2010, p. 124).   Horizontal lines indicate marriages, with the date of marriage written on the line and vertical lines connect parents and children (124). These are just a few basic symbols to get the genogram started.   (See attached diagram for further details of symbols used to expand the genogram.)   Theres no attachment. There are many uses of genograms in family therapy that have been found to be extremely successful. Therapists have reported that using the genogram as a tool for family members to express emotions by telling facts and not opinions can prevent unnecessary negative comments and frustration. The genogram can also be used to initiate a cooling down period after a heated family battle and can be a way that a therapist can connect with their client in order to lay the foundation for positive relationship (Schilson, Braun, and Hudson, 1993, 201). It has found to be a means through which a therapist can learn key words and ideas for later use when developing goals and direction with their clients. When a therapist looks into each family members personal concerns, values, wishes and fears they are better able to connect to the core issues causing conflict. The genogram can capture information about the family structure, major life events, repetitive illnesses and eventually the process can be therapeutic (201). These benefits all aim to assess, while it boosts patient morale by highlighting individual and family coping strengths.   The positive relationship that is established during the intake session supports the relationship between client and therapist by gaining the patients trust and connection with the health care staff (201-202).   Ã‚  Ã‚   When genograms were used as a training tool in preparing therapists and physicians for working in their field they became more effective in developing the client-practitioner relationship. (Aten, Madson and Kruse, 2008, 111-112).  Research on the effectiveness of genograms as a tool can teach family therapist and supervisors in training ways to assess their clients family relationships and history but it also helps gain self awareness and self reflection during their internship (111-112).       It has been shown that cultural issues can affect patients, families, and health providers perspective on the specific illness. It also discovered that cultural genograms were used to further develop training for postgraduate student and to develop their skill set in understanding cultural sensitivity which helped gain insight, sensitivity and awareness to cultural issues. This ongoing training influence the quality and outcome of the patient and family encounter (112).    Trainees are able to explore their own ethnic and cultural heritages and draw personal genogram depicting these origins (115).    Shellenberger, et al (2007), proved that when residents learn how to create their own individual cultural genogram enables them to understand their beliefs, values, attitudes and how general health practices differ from their own found the cultural genogram to be a continuous working document used throughout the sessions, collecting as much information on the intake interview and add to it on subsequent visits (380).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Similar to the traditional genogram, the cultural genogram provides information about where the family members are from, their health beliefs and behaviors, the gender roles within the household as well as culture and health resources (368).   They showed that the use of cultural genograms as teaching tools in medical practice proved to be beneficial when used in cultural sensitivity training.   It proved to be a creative, practical tool to assist clinicians in understanding the history of the client (380). Aten, Madson and Kruse (2008) found that an introduction to family functioning and cultural competence resulted in a deeper positive response from students to learn a structure approach to identify cultural information for use in a clinical setting (114).    Also indicated that when patient and provider do not share a common culture, communication can be challenging among the extend family.    Without this type of understanding and knowledge of the patients past can lead to misunderstanding of a patients culture and family. It can lead to the patients feeling disrespected or uncomfortable or receiving care that is inconsistent with important cultural practices (Shellenberger, et al, 2007 p.371).    Today the cultural diversity of the U.S. population, combined with the increasing cultural diversity of medicinal students and primary care residents, has created a critical need for approaches to cultural sensitivity training that are not tied to any single culture (380).    By building on this understanding, providers can then develop management plans that are more consistent with the patients worldview and more likely to be followed.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Although Schilson, Braun, and Hudson (1993) have discussed many benefits of using the genogram as an effective tool in the medical field, it has not been implemented in most practices due to the extensive time it takes to gather the information.   The extensive family histories are found to be a time consuming task that some find impractical in a busy office practice (203). The family physicians who have successfully intergraded genograms into their practices acknowledge that the genogram does take more time to process and will increases the length of time during each visit; however they also claim that the extra time required is often spent building patient rapport (Shellenberger, et al, p.372). The rapport building provided useful family information that can be used to address a patients concerns during a particular office visits or at some future visit.   As a result therapists were able to use reflective listening to contribute to the healing process of the patient (372). The more intense understanding of the past and present experiences and responses contributed to a more supporting and effective treatment strategies (372). In conclusion, this research indicates that the family therapy and medical practitioner have found many useful ways of assessing families in which the families themselves can participate. The purpose of this research was to examine the implications of the benefits of the genogram. The assessment process and procedures described here depend upon mutual engagement and participation of both the therapist and client. The family therapy has been incorporated into several family-medicine training programs and proven to be successful. The other alternatives for physicians who prefer not to use the genogram often refer to the family therapist to continue to aid the physician by acting as a referral source for patients. It is likely that further qualitative and quantitative research will clarify how the two professionals can work together most efficiently to benefit the client.   Per Shellenberger, et al, (2007), clearly, as health care evolves into total life care, the family physician/family therapist association prom-ises to be a vital union, beneficial to care providers and the patients and clients they serve (380).

Impact of Gender Discrimination on Employee Performance

Impact of Gender Discrimination on Employee Performance Since the independence Pakistan has seen the formation of its banking system with the birth of State Bank of Pakistan in 1948, till 70s the banks were state owned and it was in 70s when they started to get privatized, till the 80s the banks saw the ups and downs but it was in the 90s when banking sector witnessed change. In the 90s the state-owned banks got privatized, first banks to undergo the privatization were Muslim Commercial Bank and Allied Bank, privatized between 1991 and 1993. In 2002 the third largest bank called United Bank got privatized and Habib Bank got privatized in 2004. Currently there are 54 banks operating in Pakistan which include 4 public sector banks, 5 Islamic banks, 20 private banks, 7 foreign banks, 8 DFIs, 4 special banks like IDBP, PPCB, ZTBL and 6 micro finance banks/institution (Banks in Pakistan, 2008). Currently banking sector is the soundest working sector of the country and even when in 2008 world witnessed global crunch the banking sector of Pakist an exhibited sound position due to its policies. The reason for choosing the banking sector as a study field is that it is the most developed institution of Pakistan it is has most developed and most operationalized Human resources system and thousands of people are employed by the banks. Oxford dictionary defines Discrimination as a distinction (made with the mind, or in action), discrimination is a phenomenon that is present in any and almost every organization, discrimination simply defined is a biased treatment of a person based on his/her affiliation with a certain group, it is a behavior exhibited to other people. In workplace discrimination the employee or group of employees are made target of prejudice (Major, Quinton, Schmader, 2003) and the person that is being discriminated is not given the opportunities that others are availing or are available to others and furthermore it point to the tools for demonstrating and establishing the social relation of dominance and oppression (Kreiger, 1999) . According to United Nations Discriminatory behaviors take many forms, but they all involve some form of exclusion or rejection, so the discriminations eventually affect an individual or group by excluding him/them from privileges that others are enjoying. There are dif ferent kinds of discriminations like racial/ethnic, age, gender, identity, cast, employment, disability, reverse, religious discriminations to name a few. Discrimination at a workplace means that the employee or group of employees are not treated fairly as compared to others and the reason for this treatment is not related with the ability of employees or group of employees to perform their specific job assigned by the organization. For this study direct discrimination is of more interest, direct discrimination is the type in which an employee or group of employees are affected by the decision which is based on an assumption stemming from employee or group of employees belonging to a certain status. In this study the focus would be on form of discrimination that is without legal basis but allowed as a norm and not the other kind which is prohibited by law. The topic aims at studying the effects of discrimination on the performance of an employee of an organization and the kind of di scrimination that is being under research is the gender based discrimination which may arise between superiors and subordinates and also between peers. Gender discrimination is attitude and belief of the discriminator of giving or refraining to give rights to the employee due to his/her gender, it also can be behavior, policy, interaction, action and procedure which affects the work of an employee negatively by creating a disparate treatment or creation of intimidating work environment or hostile environment which is according to sex (Carr, et al., 2000). In developing countries this practice is prevalent and the main target of this kind of discrimination are women although gender harassment doesnt mean that only women are prone to this type of discrimination but mostly women are the victims of such type of discrimination. Discrimination regardless of its type can cause ill effects of the mental health of an individual for example discrimination causes social disconnection and cause s a sense of distress (Eisenberger Lieberman, 2004), discrimination can be an important kind of a stress which can affect health of an employee badly, stress due to discrimination can trigger psychological reactivity, and it affects the mental health (Williams, 1999). Another effect of discrimination is the trust; discrimination negatively affects the trust between discriminator and the discriminated, trust being a psychological condition covers a state of perceived risk that is result of an individuals ambiguity concerning possible actions and intentions of those upon whom that person is depending (Kramer, 1999) and while trusting an individual puts his fate in the TRUSTED persons hands hoping/expecting that he will perfrom his/her duty diligently. Third the organizational commitment is an important issue here, the organizational commitment is a relation between the employer and his employee, organizational commitment creates in an employee responsibility towards the employer whic h improves the employees work behavior (Shore Wayne, 1993).Organizations use the technique of gender mainstreaming to promote the equality among the employees of an organization and it is defined as a process of change that includes how an organizations system and structure is causing dicrimination indirectly and to change that structure and system to get rid of that discrimination all over the world this technique is used to cater to the specific problem of discrimination. All of the above have their own individual effects which when combined can affect an individual in many different ways by affecting his personal life as well as his professional life. The objective of this study is to see if there exists a significant relationship between the gender discrimination and the employee performance in an organization. The gender discrimination has many outcomes but for this study the outcomes that are under study include mental health of an individual which is affected by the discrimination regardless of the nature or kind of such discrimination, it is in this study that effect on trust between the employer and the employee is also observed whether it affects the employee performance or not, the discrimination when occur would also affect an emplyees commitment towards the organization that he is working with and when this happens the employee would lose interst and that affects the perfromance of that employee negatively. Of interst to this research is to study the work conditions of the banking sector of Pakistan where equal employment opportunity is provided to both men and women and where both gender are coworkers, with banks having a strong human resource setup it is of interest to observe what is the scenario of discrimination in such a work environement. The research question for this study include questions such as observing if the gender discrimination exists in the working environement of Pakistani banking sector. The second question would be to observe the significance of such relation which means to observe if that relation is stong or mild or negligible. The third question that would need answering is that do the out comes of gender discrimination which have been mentioned above affect the employee performance and how intense their relationship with employee performance is. The next queston addresses the gender mainstreaming and to what extent gender mainstreaming moderates the effect of gender discrimination, this would also reveal whether pakistani banking sector is making any efforts proactively to prevent the problem of workplace gender discrimination or not. And then the question would arise that in current pakistani culture which is heavily male dominated culture and where discrimination maybe considered a norm then in su c conditions what would be the effect of such discrimination on an employees perfromance, would the effect be considerable or would the effect be minimal? The business reason for this study is to observe how well the banking sector of the country is doing as the banking sectoe actively encourages women through their advertisements to join the banking industry and also because for a few years the banking industry is single most booming industry of the country and because even though women are encouraged to work in the sector it is still mainly a male dominated society where gender discrimination may manifest at some point of time, the business reason would be to identify whether the practice of gender discrimination exists or not and to what extent such phenomenon exist and how its is affecting the workers of the sector. By identifying the prevalence of this phenomenon in the sector the banking companies can take measures to control such issues and that inturn would benefit the em[ployees of those companies by providing them healthy work environement where all the employees regardless of their gender could achieve the full potential tha t they are capable of. This study is of interest because it taks about a phenomen that has been mostly observed in the western work and social environment, to observe this phenomenon in Pakistani cultual settings and work settings is of great interest that would reveal the amount of the penomenon in existance and its significane and it would also be of interst to see if Pakistani banking sector has acknowledged the existence of this phenomenon and if they are doing anything about it or not. LITERATURE REVIEW: Gender discrimination is one is an apparent issue in the society of Pakistan, Pakistan got independence in 1947 and since it was once a part of India the Indian influence exists still today that is why equality of genders is an issue and to resolve this issue a culture change would have to be applied still Pakistan in more advanced than its neighbor in terms of female rights. Discrimination itself is a phenomenon that that is found worldwide take America for example where inequality is ever more present due to discrimination (Darity Jr Mason, 1998) and brithish labor market is no different either there also exist gender discrimination as in UK womens compensation is lower than that of a man (Wright Ermisch, 1991), simply we can say that discrimination is a biased behavior towards certain individuals. Scholars have identified discrimination as the situation where employee or group of employees are made target of prejudice (Major, Quinton, Schmader, 2003) and the target is deprived if the opportunities that are available to rest, furthermore it point to the tools for demonstrating and establishing the social relation of dominance and oppression (Kreiger, 1999). According to United Nations Discriminatory behaviors take many forms, but they all involve some form of exclusion or rejection, so the discriminations eventually affect an individual or group by excluding him/them from privileges that others are enjoying. Among the different kinds of discriminations like racial/ethnic, age, gender, identity, cast, employment, disability, reverse, religious for this study gender discrimination that occurs at the workplace is of interest. Discrimination at a workplace is that when employees as individuals or in groups are not treated fairly as compared to others and the reason is not their professional capability to perform specific task as assigned to them. In this study the focus would be on evaluating keeping in mind the social and cultural differences the extent of ex istence of gender discrimination in the Pakistani work environment. Gender discrimination is a discrimination which is unbalanced approach towards a person because of his/her gender, furthermore Gender discrimination is attitude and belief of the discriminator of giving or refraining to give rights to the employee due to his/her gender, it also can be behavior, policy, interaction, action and procedure which affects the work of an employee negatively by creating a disparate treatment or creation of intimidating work environment or hostile environment which is according to sex (Carr, et al., 2000).Discrimination on the base of gender hampers performance by affecting the level of professional self-esteem and confidence, career satisfaction and being secluded in a work environment affecting their performance (Carr, Szalacha, Barnett, Caswell, Inui, 2003). In developing countries this practice is prevalent and the main target of this kind of discrimination are women although gender har assment doesnt mean that only women are prone to this type of discrimination but mostly women are the victims of such type of discrimination. For this study of gender discrimination and its effect on employees performance the independent variable is Gender discrimination and there are many outcomes of gender discrimination and from those outcomes 3 have been taken to be included in this study. The first outcome is the JOB STRESS; stress can be called an result of a person and that outcome is because of the workplace environment that is for him unsafe (Bashir Ramay, 2010).Scholars have documented that discrimination causes ill effects on the mental health of an individual and causes social disconnection and a sense of distress (Eisenberger Lieberman, 2004), stress can affect health of an employee badly, stress due to discrimination can trigger psychological reactivity, and it affects the mental health (Williams, 1999). Job stress is the biggest contributor to the organizational expenditure and when the employee is exposed to job stress for prolonged periods to time it eventually leads to job burnout (Maslach, 2003) and th e burn out diminishes an employees job performance as a result. Stress inducing effects of gender discrimination have been documented also by (Kreiger, 2002) who reported that gender discrimination affected a persons health by significantly elevating the stress levles of the affected. Job Stress occurs from the social relations that are within the confines of an organization (Le Blanc, De Jonge, Schaufeli, 2000). Further the job stress stemming form gender discrimination directly affects the performance of an employee in an organization. Further (AbdulRub, 2004) also reported that there existed relation between job stress and performance,scholars have found that gender discrimination affects the career satisfaction, professional self confidence and esteem and seclusiveness. Another study conducted suggested that job stress significantly decreases the performance of an employee (Bashir Ramay, 2010). The other outcome for the independent variable of this study is TRUST; the study of trust in an organizational setting has been significant since 1995 and now more and more scholars are looking into the effects of trust in the organizational setting, trust can be defined as a two part process where one has confidence in others dependability and purity and it should also be mentioned that the trust comes from social interaction and in its absence the level of trust decreases. Through trust between parties affects the important mechanisms of the organization and the results within an organization (Mayer Davis, 1999) and trust empowers the employee and thus improves his/her performance at work (Gomez Rosen, 2001). As far as the link between gender discrimination is concerned a study in Finland documented that discrimination leads to low level of trust (Liebkind Lathi, 2000). In a work setting it is to be noted that there may be trust in existence between employer and the employee or the subordinate and the superior but at some point due to discrimination and specifically gender discrimination this trust turns into distrust which would likely to be psychological incident for the individual who is putting the trust in other (Schoorman, Mayer, Davis, 2007). It is evident that there exist a relation between the gender discrimination and trust now and behavior of the management is an important cause in develpoing the association between the management and the employees (Whitener, Brodt, Korsgaard, Werner, 1998) and it is to be seen that what would be its effect on the employees performance in an organization when the effect of trust would be accompaniying effects of other elements too, this would also reveal about the existence of that relation as well as the significance in case of its existence. Third the third element in the equation is organizational commitment, organizational commitment is an important issue to discuss it is documented that organizational commitment is affected by discrimination (Ensher, Grant-Vallone, Donalidson, 2001), as the organizational commitment is a relation between the employer and his employee organizational commitment creates in an employee responsibility towards the employer which improves the employees work behavior (Shore Wayne, 1993). Organizational commitment promotes in an employee the sense of organizational citizenship as well as it increases the employee performance, even if at the time the performance of an employee is not increasing at the moment but still commitmtnet increases the expectation regarding their performance and as a result those employees perform positivlely (Meyer Allen). Discrimination affects the oranizational outomes that include organizational commitment (Sancez Brook, 1998), so the effect of the element of co mmitment would be observed how it would in combination with other element affect employees performance in an organization. In this study the gender mainstreaming is used as an moderator to moerate the effect of gender discrimination on the employees performance. Gendermainstreaming is the a concept that suggests that there should be promotion of the equality among the employees of an organization and it is defined as a process of change that includes how an organizations system and structure is causing dicrimination indirectly and to change that structure and system to get rid of that discrimination, three legged equality stool acknowledges the interconnectivity of equal treatment perspective, womens perspective, this technique is widely used to cater to the specific problem of discrimination. UNDP has also made an effort in coping with gender discrimination by using the tool of gender mainstreaming. And for this study the dependent variable is of the employees job performance. The performance of an employee is of utmost importance for any organization and employer, any organzation that is doing well in the moarket can easily attribute its performance with performance of its employees and without satisfactory performance in workplace satisfactory organzational performance is not possible. The employee job performance can be defined as a combination of questions as how much an employee is contributing to the overall performance of the work unit? how much task assigned to the employee has been completed by him/her? as compared to hi/her unit how good his/her performance is? and does the performance of the employee meets the standard of the employees supervisor?. An employees job performance is a set of elemets that include effort, skill and results which are of importance to an employee as well as the organization (Lusch Serpkenci, 1990). The aim here is to see how gender discrimi nation would affect this set of elements and its significance. RESEARCH METHODOLOGY The study for this research work would be a non-intervention study as no intervention would be made and only data would be gathered from the researchable situation. The study includes an element of both qualitative and quantitative study. Gender MainstreamingTHEORETICAL FRAMEWORK Job Stress GENDER DISCRIMINATION Employee performance Trust Organizational commitment In this model Gender discrimination is the independent variable, job stress, trust and organizational commitment are its three outcomes that have been taken into consideration, in the model the gender mainstreaming is playing the role of moderator by moderating the effects of the gender discrimination while employees job performance is the dependent variable that is being affected by the discrimination. HYPOTHESES From the model for the purpose of this study following hypotheses have been drawn. H1- Job stress negatively affects the employee job performance. It is hypothesized that as the job stress would increase the employees job performance would decrease. H2- Low trust between the employer and the employee negatively affects the employees job performance. The second hypothesis states that as the trust between employer and the employee decreases the employees job performance is affected negatively. H3- Lack of organizational commitment negatively affects the employee job performance. The third hypothesis states that when an employees organizational commitment would decrease his job performance would also decrease. H4- The more the gender discrimination at the workplace the lower will be performance of an employee at his/her job. This hypothesis states that as the gender discrimination increases the employee job performance would decrease. H5- Gender mainstreaming moderates the effect of gender discrimination on to employees job .performance. Fifth hypothesis states that gender mainstreaming in an organization would moderate the effect of gender discrimination in a work environement. SAMPLE SIZE For this study the target sample is the workforce employed at the bank, both man and women would be equally taken into the sample. The type of sampling would be convenience sampling due to the budget and time constraints; the research questionnaire shall be administered to all three designation levels of banking staff which are Officer Grade 1, Officer Grade 2 and Officer Grade 3. The questionnaire shall be administered in all the banks situated in Lahore; the amount of questionnaire per bank would be ten and the questionnaires would be administered women as the gender discrimination is more specifically a womens issue especially in our region. To collect the data, a questionnaire would be used which would consist of questions regarding discriminatory behavior faced by the respondents, questions related to mental health and organizational commitment as well as questions related to trust would be included in the questionnaire and employees job performance questions would include quest ions regarding knowledge of principles, facts, ideas about the job and knowing what to do, the procedural knowledge would be covering elements like how to do the work and skill include cognitive, perceptual and interpersonal skill and last but not the least motivation questions and thats how the questionnaire would be complete. The software used for this study will be SPSS with whose help correlational, regression based analysis would be conducted on the variables. ANOVA would be used for the moderator. SPSS would be used due to its easy availability and also due to its ease of use and data importability and exportability to other MS office packages. LIMITATIONS OF RESEARCH AND FUTURE RESEARCH DIRECTIONS The study has some limitations as it is not possible to and beyond the scope of the study to venture into other avenues. The first limitation is that the study setting is of a bank so the results cannot be generalized to other sectors, other studies with different sectors would have to conduct to obtain the generalizability of the outcomes. Second limitation is that other is the sample size; future scholar should take a bigger sample size to observe its effect on the results. The third limitation could be that of the culture, Pakistan has a unique culture so the result may also be unique to this very culture, future researcher should replicate this study to see the consistency of the results. The main benefit of this study would be to the banking sector as the study specifically aimed the banks. This study could allow HR professionals as well as the management officials of the banking companies to look for the opportunities within their workspaces to tackle the practice of gender discrimination which would ultimately benefit the organization as his/her commitment, trust towards the organization would increase he/she would be able to concentrate better to his/her job as a result of improved mental health and hence the job performance of the employee would increase ultimately contributing positively towards the overall organizational productivity.

Analysis of Oedipus Rex Essay -- essays research papers

Oedipus did not have a fair start in life. His father, Laius, heard prophecy that Oedipus would one day kill his father and sleep with his mother. In order to prevent this, Laius gave Oedipus to a shepherd to be killed. Fortunately, through a string of events, Oedipus's life was saved, and he even went on to become the honored king of Thebes. Despite this feat, Oedipus still managed to make several decisions that ultimately fulfilled the original prophecy told to Laius, and inevitably sealed Oedipus?s fate. In order to escape the prophecy that he would kill his father and sleep with his mother, Oedipus thought it best to leave Corinth. What Oedipus did not know is that the parents he was leaving were not his biological parents. The prophecy stated that Oedipus would commit the crimes upon his natural parents, not his adoptive. Although a valiant effort on Oedipus?s part, leaving the city of Corinth actually enabled the prophecy to become reality. When at a crossroads during his travel away from Corinth, Oedipus happened upon a man and his four servants. After a dispute about who had the right of way, Oedipus killed the man and three out of the four servants. The fourth, a witness that would become an important figure in the future, escaped. Little does Oedipus know that the man he killed was his biological father. Thus, stage one of the prophecy was fulfilled. After solving the Sphinx riddle, Thebans honor Oedipus by crowning him king of Thebes. He also married the widow queen, Jocasta. Oedipus did not realize it, but the widow he married was his biological mother. In that event, the second stage of the prophecy is fulfilled. The tragic event also occurred due to Oedipus?s decision to leave Corinth. In a sa... ...to die, and the shepherd, in an act of pity, gave the infant Oedipus to the Corinthians. Oedipus finally realized how the prophecy had been fulfilled. He rushed off to find Jocasta. When he discovered her dead, he blinded himself with pins from her garment. The final decision in seeking a witness led to Oedipus?s demise. He left the city of Thebes, and finally settled in Cithaeron where he eventually died. It is very true that Oedipus did everything in his power to prevent the prophecy of the oracle from coming true. In his attempts at escaping it, he ended up making several decisions that actually enabled the prophecy to play out. Sadly, there was no way for Oedipus to know of the predicament he was creating for himself. Unfortunately, Oedipus did not realize that his initial decision to leave the city of Corinth would lead to his ultimate downfall. Analysis of Oedipus Rex Essay -- essays research papers Oedipus did not have a fair start in life. His father, Laius, heard prophecy that Oedipus would one day kill his father and sleep with his mother. In order to prevent this, Laius gave Oedipus to a shepherd to be killed. Fortunately, through a string of events, Oedipus's life was saved, and he even went on to become the honored king of Thebes. Despite this feat, Oedipus still managed to make several decisions that ultimately fulfilled the original prophecy told to Laius, and inevitably sealed Oedipus?s fate. In order to escape the prophecy that he would kill his father and sleep with his mother, Oedipus thought it best to leave Corinth. What Oedipus did not know is that the parents he was leaving were not his biological parents. The prophecy stated that Oedipus would commit the crimes upon his natural parents, not his adoptive. Although a valiant effort on Oedipus?s part, leaving the city of Corinth actually enabled the prophecy to become reality. When at a crossroads during his travel away from Corinth, Oedipus happened upon a man and his four servants. After a dispute about who had the right of way, Oedipus killed the man and three out of the four servants. The fourth, a witness that would become an important figure in the future, escaped. Little does Oedipus know that the man he killed was his biological father. Thus, stage one of the prophecy was fulfilled. After solving the Sphinx riddle, Thebans honor Oedipus by crowning him king of Thebes. He also married the widow queen, Jocasta. Oedipus did not realize it, but the widow he married was his biological mother. In that event, the second stage of the prophecy is fulfilled. The tragic event also occurred due to Oedipus?s decision to leave Corinth. In a sa... ...to die, and the shepherd, in an act of pity, gave the infant Oedipus to the Corinthians. Oedipus finally realized how the prophecy had been fulfilled. He rushed off to find Jocasta. When he discovered her dead, he blinded himself with pins from her garment. The final decision in seeking a witness led to Oedipus?s demise. He left the city of Thebes, and finally settled in Cithaeron where he eventually died. It is very true that Oedipus did everything in his power to prevent the prophecy of the oracle from coming true. In his attempts at escaping it, he ended up making several decisions that actually enabled the prophecy to play out. Sadly, there was no way for Oedipus to know of the predicament he was creating for himself. Unfortunately, Oedipus did not realize that his initial decision to leave the city of Corinth would lead to his ultimate downfall.

Culutual Anthropology :: essays papers

Culutual Anthropology As an amateur anthropologist, I was to participate in my observation, which I did to the best of my ability. Choosing my topic was the most difficult for me. Coming to America there are so many options that I could choose to research. So what was I to do? Well, being in the state of Kentucky, Lexington at that, I decided to research a sporting event in which Americans call basketball. As soon as I stepped of the big metal bird, I saw a picture of a wild cat holding a round orange ball. I remember thinking, "I could never hunt these animals, they are too smart, they are nothing similar to the ones in the Outback of Australia. So I stopped the person that rode next to me on the metal bird, "What is that animal doing with that ball?" He remarked, "We are in Lexington, home of the Kentucky Wildcats." With that he walked away. How could Kentucky be considered the home of the wildcat? We have many in the Outback. So, I continued down the nest where the birds drink and rest. Then it finall y hit me, the name of the basketball team were the Wildcats. I was well on my way to find these "Kentucky Wildcats." I arrived where they house the wildcats that play ball. The name of the cage was Rupp Arena. Apparently, I was not the only one interested in watching these trained animals play the sport of basketball. The price to watch these animals were extremely expensive; thirty dollars in American currency which would translate into 300 of my own currency. Once inside the cage I found that it was not at all what I thought it to be. There was an enormous amount of people present. In my observation this event is the biggest that people in this culture attend. In this cage you could smell a variety of things. Some smells were all too familiar from home; the urine smell as you walked into the place where people went to relieve themselves reminded me of the "Hole." They had many different foods that smelled nothing like anything that I have ever smelled before. They had a brown thing that was twisted into a weird design; they had something that was in the form of a triangle that looked like a piece of bread with cheese on top and round meat.

Mobile Banking

Introduction Many banks have established presence on the Internet and many others are in the process of doing so. Using telecommunication systems and networks, a bank can reach out to customers and provide them with not only general information about its services but also the opportunity of performing interactive banking transactions. In electronic banking, bank customers can request information and carry out most banking services (e. g. balance reporting, inter-account transfers, and bill payment) via a telecommunication network without the need to go at the bank’s branch offices.Electronic banking comprises all electronic channels customers use to access their accounts, including the Internet and recently mobile phones (WAP- Wireless Application protocol, SMS- Short Message Service, SIM Toolkit, PDAs-Personal Digital Assistants). The cell phone handset can be used as a terminal in much the same way as an ATM (Automatic Teller Machine). Currently, almost everyone in the devel oped countries carries a mobile phone.So, customers can access their bank accounts through the bank’s website using not only a computer but also mobile devices. M-banking is not only another channel for banking services, but there is the possibility for becoming the primary channel. What is Mobile Banking? Mobile banking is a Banking process without bank branch, which provides financial services to unbanked communities efficiently and at affordable cost. To provide banking and financial services through mobile technology device by mobile phone is called Mobile banking.Mobile banking (also known as M-Banking, mbanking, SMS Banking) is a term used for performing balance checks, account transactions, payments, credit applications and other banking transactions through a mobile device such as a mobile phone or Personal Digital Assistant (PDA). The earliest mobile banking services were offered over SMS. With the introduction of the first primitive smart phones with WAP support ena bling the use of the mobile web in 1999, the first European banks started to offer mobile banking on this platform to their customers. A mobile banking conceptual model Mobile Banking refers to provision and availment of banking- and financial services with the help of mobile telecommunication devices. The scope of offered services may include facilities to conduct bank and stock market transactions, to administer accounts and to access customized information†. According to this model Mobile Banking can be said to consist of three inter-related concepts: * Mobile Accounting * Mobile Brokerage * Mobile Financial Information Services Most services in the categories designated Accounting and Brokerage are transaction-based.The non-transaction-based services of an informational nature are however essential for conducting transactions – for instance, balance inquiries might be needed before committing a money remittance. The accounting and brokerage services are therefore of fered invariably in combination with information services. Information services, on the other hand, may be offered as an independent module. Trends in mobile banking The advent of the Internet has enabled new ways to conduct banking business, resulting in the creation of new institutions, such as online banks, online brokers and wealth managers.Such institutions still account for a tiny percentage of the industry. Over the last few years, the mobile and wireless market has been one of the fastest growing markets in the world and it is still growing at a rapid pace. According to the GSM Association and Ovum, the number of mobile subscribers exceeded 2 billion in September 2005, and now (2009) exceeds 2. 5 billion (of which more than 2 billion are GSM). According to a study by financial consultancy Celent, 35% of online banking households will be using mobile banking by 2010, up from less than 1% today.Upwards of 70% of bank center call volume is projected to come from mobile phones. Mobile banking will eventually allow users to make payments at the physical point of sale. â€Å"Mobile contactless payments† will make up 10% of the contactless market by 2010. Another study from 2010 by Berg Insight forecasts that the number of mobile banking users in the US will grow from 12 million in 2009 to 86 million in 2015. The same study also predicts that the European market will grow from 7 million mobile banking users in 2009 to 115 million users in 2015.Many believe that mobile users have just started to fully utilize the data capabilities in their mobile phones. In Asian countries like India, China, Bangladesh, Indonesia and Philippines, where mobile infrastructure is comparatively better than the fixed-line infrastructure, and in European countries, where mobile phone penetration is very high (at least 80% of consumers use a mobile phone), mobile banking is likely to appeal even more. Mobile banking business models A wide spectrum of Mobile/branchless banking models is evolving.However, no matter what business model, if mobile banking is being used to attract low-income populations in often rural locations, the business model will depend on banking agents, retail or postal outlets that process financial transactions on behalf telcos or banks. The banking agent is an important part of the mobile banking business model since customer care, service quality, and cash management will depend on them. Many telcos will work through their local airtime resellers. However, banks in Colombia, Brazil, Peru, and other markets use pharmacies, bakeries, etc.These models differ primarily on the question that who will establish the relationship (account opening, deposit taking, lending etc. ) to the end customer, the Bank or the Non-Bank/Telecommunication Company (Telco). Another difference lies in the nature of agency agreement between bank and the Non-Bank. Models of branchless banking can be classified into three broad categories – Bank Focused , Bank-Led and Nonbank-Led. Bank-focused model The bank-focused model emerges when a traditional bank uses non-traditional low-cost delivery channels to provide banking services to its existing customers.Examples range from use of Automatic Teller Machines (ATMs) to internet banking or mobile phone banking to provide certain limited banking services to banks’ customers. This model is additive in nature and may be seen as a modest extension of conventional branch-based banking. Bank-led model The bank-led model offers a distinct alternative to conventional branch-based banking in that customer conducts financial transactions at a whole range of retail agents (or through mobile phone) instead of at bank branches or through bank employees.This model promises the potential to substantially increase the financial services outreach by using a different delivery channel (retailers/ mobile phones), a different trade partner (telco/chain store) having experience and target market dist inct from traditional banks, and may be significantly cheaper than the bank-based alternatives. The bank-led model may be implemented by either using correspondent arrangements or by creating a JV between Bank and Telco/non-bank Non-bank-led model The non-bank-led model is where a bank has a limited role in the day-to-day account management.Typically its role in this model is limited to safe-keeping of funds. Account management functions are conducted by a non-bank (e. g. Telco) who has direct contact with individual customers. Mobile banking services Mobile banking can offer services such as the following: Account information * Mini-statements and checking of account history * Alerts on account activity or passing of set thresholds * Monitoring of term deposits * Access to loan statements * Access to card statements * Mutual funds / equity statements * Insurance policy management Pension plan management * Status on cheque, stop payment on cheque * Ordering cheque books * Balance ch ecking in the account * Recent transactions * Due date of payment (functionality for stop, change and deleting of payments) * PIN provision, Change of PIN and reminder over the Internet * Blocking of (lost, stolen) cards Payments, deposits, withdrawals, and transfers * Domestic and international fund transfers * Micro-payment handling * Mobile recharging * Commercial payment processing * Bill payment processing * Peer to Peer payments Withdrawal at banking agent * Deposit at banking agent A specific sequence of SMS messages will enable the system to verify if the client has sufficient funds in his or her wallet and authorize a deposit or withdrawal transaction at the agent. When depositing money, the merchant receives cash and the system credits the client's bank account or mobile wallet. In the same way the client can also withdraw money at the merchant: through exchanging SMS to provide authorization, the merchant hands the client cash and debits the merchant's account.Kenya's M-P ESA mobile banking service, for example, allows customers of the mobile phone operator Safaricom to hold cash balances which are recorded on their SIM cards. Cash may be deposited or withdrawn from M-PESA accounts at Safaricom retail outlets located throughout the country, and may be transferred electronically from person to person as well as used to pay bills to companies. One of the most innovative applications of mobile banking technology is Zidisha, a US-based nonprofit microlending platform that allows residents of developing countries to raise small business loans from web users worldwide.Zidisha uses mobile banking for loan disbursements and repayments, transferring funds from lenders in the United States to the borrowers in rural Africa using nothing but the internet and mobile phones. Investments * Portfolio management services * Real-time stock quotes * Personalized alerts and notifications on security prices Support * Status of requests for credit, including mortgage appr oval, and insurance coverage * Check (cheque) book and card requests * Exchange of data messages and email, including complaint submission and tracking * ATM location.Content services * General information such as weather updates, news * Loyalty-related offers * Location-based services Based on a survey conducted by Forrester, mobile banking will be attractive mainly to the younger, more â€Å"tech-savvy† customer segment. A third of mobile phone users say that they may consider performing some kind of financial transaction through their mobile phone. But most of the users are interested in performing basic transactions such as querying for account balance and making bill payment. Benefits of Mobile Banking * Real time on-line banking Available anytime, anywhere throughout the country * It is convenient, affordable and secure * It is much more effective in developing savings habits * It will make access to banking and advanced payment transactions at affordable cost * It is m uch safer, specify and safeguard against fraudulent transactions. Process of Mobile Banking: The concept is different from SMS Banking which was discussed previously. The architecture is based on the specific requirement that the facility is provided through GRPS, GSM, CDMA, EDGE, 3G and CSD enabled mobile phones.With Mobile banking, the following services can be availed of, but is not restricted to, * Viewing A/C statement * Viewing Cheque Status * Stopping Cheque Payment * Cheque Book Request * Fixed Deposit Enquiry * Bill Payment * Shopping/ Purchasing items The services can be provided to customers directly by the bank or through a 3rd party vendor; and explanations for both are followed. Architecture 1: When the bank provides the service directly to the customer The setup will have a web server, application server and the database at the ank’s premises. We shall call this the mobile banking server for ease of understanding. The application will ensure what services are t o be provided to the customer. Based on the banking services provided to the customer, the security of the infrastructure has to be built in. The database can be the same as the Core banking database, having another table for mobile banking users. The customer uses his/her mobile phones to transact through the mobile network.The Mobile banking server in turn talks to the Core banking systems of the bank for user authentication, processing transactions, authorization, etc. Architecture 2: When banks outsource this facility to 3rd party vendors This is the more popular architecture as Banks can quickly roll out their mobile banking solutions by connecting to a 3rd party. This is also the architecture with more security issues as interconnection with a 3rd party is involved. In this architecture, the mobile banking servers are located at the 3rd party vendor’s data centre.These servers will talk to the Core Banking servers of the bank through a secured channel (dedicated or shar ed link) for authentication, authorization and transaction processing. Pre requisites to using this facility The customer has to first register with the Bank for using Mobile banking facility by linking the user’s mobile number with the account number. Application functionality The mobile banking facility can be provided to mobile phone users through a client or a web based access. Using the client or web browser, the necessary security features are to be built.Customer performs banking transactions based the services like check account balance, fund transfer, bill payment, shopping, etc provided by the bank. User requesting a transaction * The user selects the service he wants to perform like check account balance, bill payment, etc. * The mobile banking server asks for re-authentication for critical transactions. a) Re-authentication with the mobile banking sever ensures that critical transactions are verified and mapped to the user. b) The re-authentication can be estricte d with the vendor only; the user need not authenticate with the bank every time a transaction is performed. Again this depends on the role played by the vendor. * User re-enters the credentials. * Server authenticates the mobile user and forwards the data to the bank on how to process the mobile user’s service request. For e. g. , checking the account balance service, the mobile banking server will contact the bank’s server on how to process the request. Bank processing the transaction * The bank server will ask for details required to service the user request. Taking the above example, the bank will ask for cheque number and this is forwarded by the mobile banking server to the end user. * The end user enters the details and sends it to the mobile banking server. * The server again asks for authentication. Once authenticated, the mobile banking server will forward the cheque number to the bank’s server. * This can be an optional check based on the criticality o f the service requested. For e. g. , if the bank provides fund transfer service, then it may be a good idea to again check for the user’s credentials.Again this is purely based on the criticality of the service provided * The bank’s server will check the status of the cheque and provide the details to the mobile user via the mobile banking server. Finally, this is just an example to show how the application should process requests from the mobile user. Based on the services provided by the bank, the security of the application can be built-in. For e. g. , if the application allows fund transfer or bill payment, then the required security threats should be identified and mitigated.Future functionalities in mobile banking Based on the ‘International Review of Business Research Papers' from World business Institute, Australia, following are the key functional trends possible in world of Mobile Banking. With the advent of technology and increasing use of smartphone a nd tablet based devices, the use of Mobile Banking functionality would enable customer connect across entire customer life cycle much comprehensively than before. With this scenario, current mobile banking objectives of say building relationships, reducing cost, chieving new revenue stream will transform to enable new objectives targeting higher level goals such as building brand of the banking organization. Emerging technology and functionalities would enable to create new ways of lead generation, prospecting as well as developing deep customer relationship and mobile banking world would achieve superior customer experience with bi-directional communications. Illustration of objective based functionality enrichment In Mobile Banking * Communication enrichment: – Video Interaction with agents, advisors. Pervasive Transactions capabilities: – Comprehensive â€Å"Mobile wallet† * Customer Education: – â€Å"Test drive† for demos of banking services * Connect with new customer segment: – Connect with Gen Y – Gen Z using games and social network ambushed to surrogate bank’s offerings * Content monetization: – Micro level revenue themes such as music, e-book download * Vertical positioning: – Positioning offerings over mobile banking specific industries * Horizontal positioning: – Positioning offerings over mobile banking across all the industries * Personalization of corporate banking services: – Personalization experience for multiple roles and hierarchies in corporate banking as against the vanilla based segment based enhancements in the current context. * Build Brand: – Built the bank’s brand while enhancing the â€Å"Mobile real estate†. Challenges for a mobile banking solution Key challenges in developing a sophisticated mobile banking application are: Handset operability There are a large number of different mobile phone devices and it is a big challenge for banks to offer mobile banking solution on any type of device. Some of these devices support Java ME and others support SIM Application Toolkit, a WAP browser, or only SMS.Initial interoperability issues however have been localized, with countries like India using portals like R-World to enable the limitations of low end java based phones, while focus on areas such as South Africa have defaulted to the USSD as a basis of communication achievable with any phone. The desire for interoperability is largely dependent on the banks themselves, where installed applications (Java based or native) provide better security, are easier to use and allow development of more complex capabilities similar to those of internet banking while SMS can provide the basics but becomes difficult to operate with more complex transactions. There is a myth that there is a challenge of interoperability between mobile banking applications due to perceived lack of common technology standards for mobile banking .In practice it is too early in the service lifecycle for interoperability to be addressed within an individual country, as very few countries have more than one mobile banking service provider. In practice, banking interfaces are well defined and money movements between banks follow the IS0-8583 standard. As mobile banking matures, money movements between service providers will naturally adopt the same standards as in the banking world. On January 2009, Mobile Marketing Association (MMA) Banking Sub-Committee, chaired by Cell Trust and VeriSign Inc. , published the Mobile Banking Overview for financial institutions in which it discussed the advantages and disadvantages of Mobile Channel Platforms such as Short Message Services (SMS), Mobile Web, Mobile Client Applications, SMS with Mobile Web and Secure SMS. SecuritySecurity of financial transactions, being executed from some remote location and transmission of financial information over the air, are the most complicated challenges that need to be addressed jointly by mobile application developers, wireless network service providers and the banks' IT departments. The following aspects need to be addressed to offer a secure infrastructure for financial transaction over wireless network: 1. Physical part of the hand-held device. If the bank is offering smart-card based security, the physical security of the device is more important. 2. Security of any thick-client application running on the device. In case the device is stolen, the hacker should require at least an ID/Password to access the application. 3. Authentication of the device with service provider before initiating a transaction. This would ensure that unauthorized devices are not connected to perform financial transactions. 4.User ID / Password authentication of bank’s customer. 5. Encryption of the data being transmitted over the air. 6. Encryption of the data that will be stored in device for later / off-line analysis by the customer. One-tim e password (OTPs) are the latest tool used by financial and banking service providers in the fight against cyber fraud. Instead of relying on traditional memorized passwords, OTPs are requested by consumers each time they want to perform transactions using the online or mobile banking interface. When the request is received the password is sent to the consumer’s phone via SMS. The password is expired once it has been used or once its scheduled life-cycle has expired.Because of the concerns made explicit above, it is extremely important that SMS gateway providers can provide a decent quality of service for banks and financial institutions in regards to SMS services. Therefore, the provision of service level agreements (SLAs) is a requirement for this industry; it is necessary to give the bank customer delivery guarantees of all messages, as well as measurements on the speed of delivery, throughput, etc. SLAs give the service parameters in which a messaging solution is guarante ed to perform. Scalability and reliability Another challenge for the CIOs and CTOs of the banks is to scale-up the mobile banking infrastructure to handle exponential growth of the customer base.With mobile banking, the customer may be sitting in any part of the world (true anytime, anywhere banking) and hence banks need to ensure that the systems are up and running in a true 24 x 7 fashion. As customers will find mobile banking more and more useful, their expectations from the solution will increase. Banks unable to meet the performance and reliability expectations may lose customer confidence. There are systems such as Mobile Transaction Platform which allow quick and secure mobile enabling of various banking services. Recently in India there has been a phenomenal growth in the use of Mobile Banking applications, with leading banks adopting Mobile Transaction Platform and the Central Bank publishing guidelines for mobile banking operations. Application distributionDue to the natur e of the connectivity between bank and its customers, it would be impractical to expect customers to regularly visit banks or connect to a web site for regular upgrade of their mobile banking application. It will be expected that the mobile application itself check the upgrades and updates and download necessary patches (so called â€Å"Over the Air† updates). However, there could be many issues to implement this approach such as upgrade / synchronization of other dependent components. Personalization It would be expected from the mobile application to support personalization such as: * Preferred Language * Date / Time format * Amount format Default transactions * Standard Beneficiary list * Alerts Mobile banking in the world Mobile banking is used in many parts of the world with little or no infrastructure, especially remote and rural areas. This aspect of mobile commerce is also popular in countries where most of their population is unbanked. In most of these places, banks can only be found in big cities, and customers have to travel hundreds of miles to the nearest bank. By 2012, it is estimated that there will be 1. 7 billion people with a mobile phone but not a bank account and as many as 364 million unbanked people could be reached by agent-networked banking through mobile phones.In Iran, banks such as Parsian, Tejarat, Mellat, Saderat, Sepah, Edbi, and Bankmelli offer the service. Banco Industrial provides the service in Guatemala. Citizens of Mexico can access mobile banking with Omnilife, Bancomer and MPower Venture. Kenya's Safaricom (part of the Vodafone Group) has the M-Pesa Service, which is mainly used to transfer limited amounts of money, but increasingly used to pay utility bills as well. In 2009, Zain launched their own mobile money transfer business, known as ZAP, in Kenya and other African countries. In Somalia, the many telecom companies provide mobile banking, the most prominent being Hormuud Telecom and its ZAAD service.Telenor Pak istan has also launched a mobile banking solution, in coordination with Taameer Bank, under the label Easy Paisa, which was begun in Q4 2009. Eko India Financial Services, the business correspondent of State Bank of India (SBI) and ICICI Bank, provides bank accounts, deposit, withdrawal and remittance services, micro-insurance, and micro-finance facilities to its customers (nearly 80% of whom are migrants or the unbanked section of the population) through mobile banking. In a year of 2010, mobile banking users soared over 100 percent in Kenya, China, Brazil and USA with 200 percent, 150 percent, 110 percent and 100 percent respectively. Mobile Banking in Bangladesh Starting: Mobile banking is a new technology in Bangladesh which started from 31st March 2011.Dutch Bangla Bank Limited pioneered in mobile banking services in Bangladesh. Most people heard about it but not have a clear idea. According to my survey almost 94% people heard about mobile banking and 6% haven’t heard a bout mobile banking. Interest to use: Many people heard about mobile banking. But they yet have not felt that they should use it as they are happy to use traditional banking system. Some people feel interest to use it. About 55% people feel they should use it and 45% people haven’t feel to use mobile banking according to the survey. Takes time by mobile banking than traditional banking: Mobile banking is real time on-line banking.As it is on-line banking it takes less time than traditional banking. It will make access to banking and advanced payment, transactions at affordable cost People have not to wait by standing in a long line which is happen in traditional banking system. But some people think it takes higher time and some people think it takes same time as traditional banking. According to the research only 5% people think it takes higher time, 34% people think it takes the same time and 61% people think it takes lower time than traditional banking system. Time saving: Mobile banking is available anytime, anywhere throughout the country. So it can save one’s time. But all people not think the same.About 70% respondents think that mobile banking can save their time, where as 30% think it cannot save time. Cost: It is convenient, affordable and it is much more effective in developing savings habits, it will make access to banking and advanced payment transactions at affordable cost. All people know that its cost is not higher than traditional banking. Around 56% respondents say its cost is lower, 20% say same and 24% say it is affordable than traditional banking. . A positive aspect of mobile phones is that mobile networks can reach remote areas at low cost. Trust worthy: It is much safer and safeguard against fraudulent transactions. One can trust mobile banking as traditional banking system.It has secured pin code which is known by the user, and also has a check digit without it no one can deposit money. But in Bangladesh traditional branc h-based banking remains the most widely adopted method of conducting banking transaction. The poor often have greater familiarity and trust with mobile phone companies than formal banking institutions. Furthermore a mobile handset can easily be adapted to handle banking transactions. But it is not commonly known by all. From the survey it is found that 63% respondents think mobile banking is trust worthy and 37% respondents feel it is not trust worthy. Use: It is much more effective in developing savings habits. Its using system is also easy. Anyone can use it.Poor people are often not considered viable customers by the formal financial sector as their transaction sizes are small, and many live in remote areas beyond the reach of banks branch networks. Informal banking services such as microfinance and village savings and loan associations remain limited in their reach. So, mobile banking system develops to bring poor people into banking system. 83% respondents face or heard no prob lem to use mobile banking. But 17% respondents heard or face problems to use it like-sometimes transaction do not reach at time, cannot operate it easily as traditional banking, not trust worthy. Prospect of mobile banking in Bangladesh:Mobile Banking is a Banking process without bank branch which provides financial services to unbaked communities efficiently and at affordable cost. The aim of the service is to bring more people under the umbrella of banking service. Bangladesh Bank governor Dr Atiur Rahman inaugurated the service through -Journal of Arts, Science ; Commerce  ¦ E-ISSN 2229-4686  ¦ ISSN 2231-4172 International Refereed Research Journal  ¦ www.. researchersworlld.. com  ¦ Vol. – III, Issue –1,Jan. 2012 [54] deposit and withdrawal of money from two banking outlets in the city. Government thinks it has a great prospect as it is a new technology in digital Bangladesh.But in Bangladesh many people think traditionally, because they cannot think it has any facility to use mobile banking. 69% people feel mobile banking has prospect in Bangladesh whereas 31% think it has no prospect in Bangladesh as many people will not feel interest or have belief on mobile banking. Suggestion to other to use the: 55% feel interest to use mobile banking but most people do not want to give suggestion to other to use it. As it is a new method of banking people haven’t 100% faith on it. So, people don’t want to take any risk by giving suggestion to use it. 68% respondents say they do not want to give suggestion and 32% respondents say they want to give suggestion to use mobile banking. Make life easier:Mobile banking is real time on-line banking, available anytime, anywhere throughout the country, it is convenient, affordable and secure, it is much more effective in developing savings habits, it will make access to banking and advanced payment transactions at affordable cost, it is much safer, speedy and safeguard against fraudulent tra nsactions. All of the characteristics of mobile banking make life easier. But 43% respondents feel it will not make life easier as it may not be trust worthy, but 57% respondents feel the facility which mobile banking give will make life easier. Security: In mobile banking a confidential pin code is used by the user. PIN ensures security of money and protects fraudulent transactions. So mobile banking is fully secured. It also believed by 70% respondents, but about 30% respondents say it is not secured as they cannot fully trust on online banking than traditional banking system.Speedy process: One benefit of mobile banking is a very speedy process. Transaction can be done anytime anywhere quickly in less time. So 100% people believe that it is a speedy process. Class of people: Mobile banking started with the idea to bring the poor under the umbrella of banking sector especially rural poor as there are not much bank facilities, also there savings is low so they feel shy to go to ban k. But according to my survey 38% respondents feel upper class, 21% respondents feel middle class people can use mobile banking. But 41% respondents say mobile banking can be used by all class of people. Problems encounted in collecting data:The researcher had to face the following problems in collecting data from the respondents: i. Generally most of the respondents have not enough idea about mobile banking. So it was very difficult to collect actual data. Because the information of the respondents was supplied from their idea. ii. Most of the respondents were not fully use mobile banking which caused another problem to data collection to the researcher. iii. Sometimes respondent could not answer to questions accurately and to the point. iv. The respondents were usually remaining busy with their work. So, the researcher had to visit some of them even at the work place and researcher sometimes had to pay more time to meet the respondents. v.Most of the respondents did not feel comfo rtable to answer questions. So researcher had to pay more time to gain their confidence. The banks that provides mobile banking, sms banking in Bangladesh: * Dutch-Bangla Bank Ltd. * BRAC Bank Ltd. * Premier Bank Ltd. * Bank Asia Ltd. * HSBC * Dhaka Bank Ltd. * Standard Chartered Bank Ltd. * Mutual Trust Bank Ltd. * Trust Bank Ltd. * One Bank Ltd. * EXIM Bank Ltd. * IFIC Bank Ltd. * First Security Bank Ltd. * City Bank Ltd. * Islami Bank Bangladesh Ltd. * Mercantile Bank Limited. Dutch-Bangla Bank Limited (DBBL) has for the first time introduced its mobile banking service, expanding the banking service from cities to remote areas.Bangladesh Bank Governor Atiur Rahman inaugurated the service in July, 2011 by depositing Tk 2,000 and withdrawing Tk 1,500 through Banglalink and Citycell mobile networks in Motijheel area. Bangladesh Bank has already allowed 10 banks to initiate mobile banking. Of them DBBL kicked off first. â€Å"Mobile banking is an alternative to the traditional banki ng through which banking service can be reached at the doorsteps of the deprived section of the society,† the central bank governor said at an inaugural press briefing at Hotel Purbani. Atiur Rahman said through mobile banking various banking services including depositing and withdrawing money, payment of utility bills and reaching remittance to the recipient would be possible.By going to the DBBL-approved Citycell and Banglalink agents throughout the country, the subscribers can open an account provided they show the necessary papers and pay a fee of Tk 10. To use the banking service, subscribers must own a cell phone from any provider. The bank gives subscribers a four-digit PIN. By using the PIN, subscribers can use a number of banking services, including depositing and withdrawing money, while maintaining account security. Customers may hand over cash to agents in the bank's network, and agents can coordinate the transaction from their mobile phones, helping account holder s securely complete banking tasks using their PINs.Customers can deposit or withdraw money up to five times per day, up to Tk 5,000 per day. One percent of the transaction account or Tk 5, whichever is greater, will be deducted as a cash-in charge. The charge for cash-out is 2 percent of the transaction amount or Tk 10, whichever is greater. There are no fees for registration, salary or remittance disbursement services. Mobile Banking at BRAC Bank The service will enable millions of banked and unbanked people to deposit, withdraw and transfer money through mobile phones. bKash, a joint venture between BRAC Bank and US-based Money in Motion, will provide mobile banking with a fully encrypted VISA technology platform for transactions through mobile phones.Any mobile user can register and open up a bKash account and then do transactions through their mobile phones in easy, convenient and reliable way. â€Å"bKash will fundamentally change the way people now do transactions, as all tra nsactions will be possible through mobile phones in future,† said Syed Mahbubur Rahman, managing director of the bank. â€Å"Customers will not need to come to the bank; rather the bank will go to them,† he said at a press conference in Dhaka on the occasion of its 10th founding anniversary. The bank said a bKash account will act as a digital mobile wallet and anybody can take the service. â€Å"Your mobile phone will become your wallet.Customers can get financial services through phones, even by the handset that costs the lowest,† Rahman said. Under a partnership with UNDP and Local Government Division, bKash is rolling out mobile banking in 4,501 union parishads in the country. It has already signed a deal with a leading mobile operator and is in talks with others to enable all mobile users — currently around 7. 5 crore — to have individual digital wallets, said Mamdudur Rashid, deputy managing director of the bank. Recently some Bangladeshi banki ng companies and mobile network provider companies have launched mobile banking in Bangladesh. A new door of technology is opening in Bangladesh.Now people of Bangladesh can use their mobile phone as a bank account with balance transfer, payment, money upload and many more facilities at a low cost . I will give you some useful info about these services: * BKash Limited is a joint venture between BRAC Bank Ltd. , Bangladesh, and Money in Motion LLC, USA. Ensuring access to a broader range of financial services for the people of Bangladesh is the ultimate objective of bKash. It has a special focus to serve the low income people of the country and promote sustainable micro-savings to achieve broader financial inclusion by providing financial services that are convenient, affordable and reliable. * bKash is working both as an extension of BRAC Bank and as a full-scale mobile phone-based payment switch.This will highly benefit the country as 83% of the population lives under $2 a day and access to finance can help in improving their economic situation. Less than 15% of Bangladeshis are connected to the formal financial system whereas 44% of total populations are having mobile phones. Providing financial services using this mean can make the service more accessible and cost effective for the vast population of Bangladesh. How to open an account: 01. Go to any of your nearby bKash agent along with- a. Your mobile phone with active Robi number b. A copy of your Photo ID (National ID/Passport/Driving License/Other valid Photo ID) c. 2 copies of Passport size photographs 02. Upon successful registration you need to activate your wallet in following manner- Kash authorized agent will help you throughout the process and confirm registration. You will also receive a confirmation SMS in your mobile. Conclusion: Some policy Implications, Mohammad Mizanur Raman,(www. ampublisher. com) Mobile Phone Banking offers the potential to extend low cost virtual bank accounts to a larg e number of currently un-banked individuals worldwide. Change is being driven by falling costs of mobile phones including airtime, by competition and by the ability of electronic banking solutions to offer customers an enhanced range of services at a very low cost. Text-a-payment (TAP) builds upon the familiarity and comfort that people around the world have with sending text messages via their mobile phone.Instead of traveling to the bank to make their loan payment, clients can -Journal of Arts, Science & Commerce now text their loan payment directly to the bank; saving them both travel time and money. This is also beneficial for the bank, since they can increase their outreach to rural areas while reducing their costs. (Catching the Technology Wave: Mobile Phone Banking and Text-a-Payment in the Philippines, John Owens, Anna Bantug Herrera,www. bwtp. org) M-Banking technology has become one of the most familiar banking features throughout the world. Nowadays millions of inhabitant s of Bangladesh are within a network through mobile network coverage.But in the commercial sectors like banking, m-Commerce technology has not been adopted broadly yet. In context of Bangladesh where almost 95% of geographical areas including Chittagong Hill tract region is under cellular coverage and having sufficiency in Internet infrastructure in remote regions, m-Banking via mobile phones can be the right choice for the promising banking sector. Considering m-Commerce and m-Banking perspective in Bangladesh, a Push Pull services offering SMS (Short Messaging Service) based m-Banking system has been proposed which is able to provide several essential banking services only by sending SMS to bank server from any remote location. They are Broadcast, Scheduling, Event, and Enquiry and m- Commerce services.Fifteen push pull services underlying these categories are implemented in this proposed system which are most desired to customers. The proposed system not only brings banking trans action in hand’s grip but also makes it easier, robust and flexible with highest security. Moreover, modified data failover algorithm handles unexpected SMS server failure with any congestion or service request loss. At last, after evaluating each module of our proposed system a satisfactory accuracy rate 94. 95% has been obtained. Abstract The main objective of the study is to find out the problem and prospect of mobile banking in Bangladesh. For this research primary data were used. This study adopts with descriptive in nature.Total respondents were 120 within that 61 % respondents think it saves time than traditional banking, the highest number of respondents use mobile banking for ‘Air-time top-up’ service, that is 21%, out of 120 respondents 56% replied it is less costlier than traditional banking, 100% respondents did agree that it is speedy, and 38% respondents are upper class. Although this concept is new in Bangladesh but its potentiality is high. From t his research, other researchers and policy makers will get an insight about the problems and prospects of mobile banking in Bangladesh. Keywords: Problem, prospect, Mobile banking. References: * Dhaka Bank Ltd. , Banani branch. * Dutch Bangla Bank Ltd, Banani branch. * BRAC Bank Ltd, Banani branch. * www. thedailystar. net * Wikipedia * www. enterpriseinnovation. net * www. wikipedi www. marketresearch. com * www. bwtp. org * www. ampublisher. com * www. scribd. com/doc/54509127/28/MOBILE-BANKING-IN-BANGLADESH * www. researchersworld. com/vol3/Paper_05. pdf * bankinfobd. com/banks * www. dhakabankltd. com/ * www. bracbank. com/platinum_card. php * www. businessnewsbd. com/index. php? option=com_content&task=view&id=3619&Itemid=88 * www. dutchbanglabank. com/electronic_banking/PDF/MobileBankingBrochureEnglish. pdf Index: WAP – Wireless Application protocol SMS – Short Message Service PDA – Personal Digital Assistants ATM – Automatic Teller Machine M-bankin g – Mobile Banking Telco – Telecommunication Company Mobile Banking The Future of Mobile Banking by Rob Berger in Banking * Photo: BankSimple INTRODUCTION Communication is the exchange of information and feeling or ideas, which allow the majority of people to get the news of all sides. In addition, we are used the communication every day to let people know what we are doing or thinking even feeling which people are received that by voice, picture or chat. Moreover, communication technologies have made it simple to communicate to friends in the other side of the world by calling them using mobile phone, e-mailing them and writing in our web pages using social networks, such as Face book, Twitter or Messenger.Additionally, many other recourses are used by the majority of people to keep in touch with the world, which they can watch television or listen to the radio especially when they go to work. Therefore, communication technologies are considered one of the most important elements in our lives and that is why this essay is going to define the advanta ges and disadvantages of communications technology in terms of our health, education and relationships. This essay will elucidate firstly, the advantages and disadvantages of communications technology in health.Secondly, the advantages and disadvantages in education. Thirdly, the advantages and disadvantages in relationships. Finally, what scope should people be bothered about our grandchildren’s world if these technologies still run on to develops in the future? Mobile banking apps make banking and managing finances more convenient and less time consuming. They also reduce the need for working with loads upon loads of paper, like all those forms you need to fill out in brick-and-mortar banks.The most common activities performed by mobile banking app users include scanning and depositing checks, monitoring account balances and, for some, managing travel or hotel bookings. Many banks also offer online banking options for those who want an easier way to control their cash flow, pay their bills, and locate ATM stations. Some even allow person-to-person payments Mobile banking apps have actually been around for years. The first bank to ever offer their clients the convenience of doing banking-related activities on their mobile phones was Wells Fargo.Today, according to a research firm in Boston, more than 6,500 financial institutions in the US have developed mobile banking services for people who want to keep track of their finances on the go. Since more and more people rely on their smartphones (at least 70% of Americans who own smartphones use banking apps), app development is expected to increase even more. Developers will continue to come up with more innovative ideas for mobile banking. These apps will slowly change the course of regular banking. Just last January, a new kind of bank was introduced to the public.GoBank, created by prepaid reloader Green Dot, is a mobile banking app of a different kind. Unlike existing apps, GoBank is not connected to a ny brick-and-mortar bank. It is a â€Å"stand alone† app; a mobile bank in the real sense of the word. In other words, if you want to make a deposit or check your account balance, you will need to open the app on your phone. GoBank is the answer to the appeal of people who are practically glued to their mobile phones even when walking down busy streets. It can perform all basic bank functions, like paying bills and depositing checks.This development is not surprising. Developers often try to outdo each other in producing an app – or apps – that can easily catch the consumers’ fancy; especially consumers who use mobile banking every day of their lives. In the coming months and years, more apps like GoBank will be spotlighted in the market, and people will continue to want more. At this point, though, developers should also work on coming up with better security features for mobile banking. Security is the main reason why a good number of smartphone users d o not yet use mobile banking facilities on their device.So before anything else, this should be prioritized. Mobile Deposits Already available with many banks, users can deposit a check by taking a picture of it with their smartphone. I’ve used the feature now with Capital One 360 and absolutely love it. Called mobile remote deposit capture (RDC), my daughter uses this feature to deposit her paychecks into her Money account with Capital One 260. And I use it to deposit the occasional checks we receive. It’s a snap (pun intended). While not all banks offer this feature, yet, they will. Mobile Bill PayAs the person who pays all the bills in my family, this feature is really exciting. Imagine taking a paper bill you receive in the mail and paying it by taking a picture of it. Similar to RDC, Mobile Photo Bill Pay is on the way. U. S. Bank is already testing this functionality. There’s a hidden benefit to mobile bill pay–it will make switching banks easier. R ather than having to re-enter all your payee information and automatic payments, you can just snap a picture of each of your bills. Security The security risks of mobile banking are minimal.Mobile banking apps do not work with third party programs, as they deal directly with you and the bank they are linked to. Your banking privacy is not compromised or shared with anyone else. In addition, banks also require their mobile clients to provide the right username and password before performing any kind of transaction. Since apps are becoming more and more complicated and technologically advanced, however, security measures will need to keep pace. Leading the example is Wells Fargo, which is already working on using voice and speech recognition for carrying out banking transactions.This is an interesting development because it offers not only convenience, but also added security. Smartphone as Your Wallet Eventually, we’ll pull out our Smartphone to pay for things rather than our wallet. This is already a reality to a limited extent. Individual retailers like Starbucks offer apps that allow you to pay for products. And Google Wallet has made some progress. But overall we are still a long way from cutting up our cash and plastic. Rob Berger. The Future of Mobile Banking. March 10, 2013.