Consumer Perspectives on Internet Banking

Consumer Perspectives on Internet Banking Research report Project title Some[MG2] problems about internet banking and consumers perspectives on internet banking[MG3]. Introduction Similar to the adopting of automatic teller machine, pay attention to economics change , coupled with advancements in technology, banks begin to think their use of traditional branches again and are looking at online banking services as the next new technology to reduce costs while maintaining or enhancing services to the customer[MG4]. However, whether all of people want to use internet banking[MG5]. A series of factors, such as the security of personal data, the difficult of using the internet and others are sure to play an important role in consumer’s attitude to internet banking. In this paper[MG6], i try to investigate the factors that affect an individual’s decisions to use online services and some problems that internet banking[MG7] has met by far. Critical Review of literature Security for internet banking[MG8] While it is acknowledged that Australian banks have a great record related to security of customer information, surveys shows that individual who using internet banking are weary about privacy issues such as data or code collected by hackers, whether personal information could be disclosure and use. Therefore, security is a big issue and it should be focus on. And haw to solve decrease the risk of security? According to NOIE[MG9], the security protections offered by banks and which customers participate should include careful reference to their Web sites in their publication Verification by the use of digital certificate Evidence of security protection displayed on the screen Protections of PINs and passwords On-screen and mouse operated keypads for sensitive information Virus protection At least 128-bin encryption Firewall implementation Stated limits to customer liability for unauthorised use of access codes In fact, the security framework has been investigated[MG10]. According to Labuschange[MG11], a developed framework for security is consists of a defined six-step process. Step1. List all the security requirements for an internet banking environment in general. Step2. Identify all participants and stakeholders involved in the internet banking process. Step3. Break down transaction into different autonomous actions. Step4. Map these identified actions on to the participants involved, which serve as o model for the internet banking. Step5. Use the information obtained in step 4 to determine the security requirements for a secure internet banking environment. Step6. Use these security requirements to develop the security architecture, comprising suitable security procedures, mechanisms and policy[MG12]. And it also[MG13] says Internet banking including three main areas of security which are the the user’s computer, banks and the internet , Actually, i think mobile should also put into because nowadays , mobile phone is also a functional devices which can also conduct many applications including e-banking. And many hackers have transfer their attention to the mobile[MG14]. Individual’s perspectives on internet banking Above all, we can see that the security of internet play an important role on people’s decision to choose internet banking. However, if it is the most important reason which affect people to use internet banking and if people still trust internet banking[MG15]. Actually, the following table embedded within the trust model can ensure the perspective of an individual about the issue of trust . [MG16] On the other hand, some studies have[MG17] investigated other factors why individuals select a specific bank. Important consumer selection factors include convenience, service facilities, reputation and interest rates. According to Delvin[MG18] , customers spend less time on activities such as go to a bank and therefore they want more convenience and accessibility. According to International Journal of Customer Studies, although the Internet is becoming more and more popular, it is still a new products to which lead to distrust by customers. It has six hypotheses of the customer’s attitude to internet banking. H1.speed of transaction of electronic delivery channels provides a competitive advantage for them H2. Difficulties in the use of the new technology prevent some customers from using it. H3. Many people believe that the traditional banking system work well and therefore the online presence of the bank is characterized as not necessary. H4.Internet banking costs include those associated with Internet as well as bank costs and charges. Cost influences consumers’ attitudes towards electronic services. H5. People who use electronic banking services have a higher education level than others. Education may be another factor that is characterized as important in a customer’s decision to use or not to use online services. H6. Many people complain about the lack of information concerning the new electronic channels that financial institutions use today. In conclusion, it identified that the most significant factors that affect the customers’ decisions are security, individual’s age, the difficulties of using internet, the lack of information concerning products and services provide to customers. Factors such as the speed of transactions or the cost of using the internet have little impact on an individual’s decision. Actually, with the development of technology, the use of internet is no longer a problem, as increasing number of people own their pc and start to use computer and internet. In addition, the information which can provide to customers by electrical channels such as email or message. Methodology I will use data collection[MG19] to analysis why people choose internet or not use it and i will do a survey research because this kind of research is determined as the systematic collection of data in order to explain or forecast the behaviours and decisions of a certain population. Furthermore, i will use a generalized regression model and tried to estimate the probability of an individual using or not using internet banking. This kind of methodology is to determine the important factors that affect an individual’s decision to use or not to use internet banking. Research plan[MG20] References[MG21] Department of Management Science Technology, Management Sciences Laboratory, Athens University of Economics Business, Athens, Greece,2006 Bomil, S. Ingoo, H. (2002) Effect of trust on customer acceptance of Internet banking. Electronic Commerce Research and Applications, 1, 247–263. Dobson, A. (2002) An Introduction to Generalized Linear Models, 2nd edn. Chapman Hall, London. Kambil, A., Kamis, M., Koufaris, M. Lucas, C.H. (2000) Influences on the corporate adoption of web technology Damien HutchinsonMatthew Warren, (2003),Security for Internet banking: a framework, Logistics Information Management, Vol. 16 Iss 1 pp. 64 73 Understanding Security in Consumer Adoption of Internet Banking 293-306. [CrossRef] Normalini M. K., T. RamayahUnderstanding Security in Consumer Adoption of Internet Banking: 685-698. [CrossRef] [MG1]Your title is very vague. Need to make it more focused. Your introduction is very vague. What is your main question? In your literature section. You are just listing different studies. Need to make some links and also why you have chosen them. Need to work on your writing skills. Learn Harvard method of referencing. Try to look at the examples that Tesfa has left on your course’s Moodle site. [MG2]Need to be more specific. Issues and concerns with internet baking †¦.. [MG3]Which country, what is your time period [MG4]Your first sentence is very long and confusing. Break it down to at least two sentences and clearly state what you intend to say. You are talking about the background? [MG5]Incomplete [MG6]research [MG7]which country and where. If you are looking at consumer behavior then it does vary from country to country; location to location; and different groups. [MG8]It would be better to state which range of theories or models you are going to look at, then try to develop different components such as security and others. [MG9]Publication date – Need to use Harvard in-text referencing. [MG10]Incomplete, not clear what you mean [MG11]Year of publication [MG12]Why have you used these two models/theories? How would they help you? [MG13]Who says? [MG14]This section is very confusing and muddled. It looks as if you can just copied a section from a textbook. You need to link it to your research question. [MG15]incomplete [MG16]where is the source? Very poor referencing. [MG17]Name them [MG18]Year of publication [MG19]This doesn’t make sense. Don’t just copy from textbooks. [MG20]Where is your word count? [MG21]Learn to use Harvard method/style of referencing

Radio :: essays research papers fc

Radio: Making Waves in America Radio-wave technology is one of the most important technologies used by man. It has forever changed the United States and the world, and will continue to do so in the future. Radio has been a communications medium, a recreational device, and many other things to us. When British physicist James Clerk Maxwell published his theory of electromagnetic waves in 1873, he probably never could have envisioned the sorts of things that would come of such a principle. His theory mainly had to do with light waves, but fifteen years later, a German physicist named Heinrich Hertz was able to electrically generate MaxwellÕs ÒraysÓ in his lab. The discovery of these amazing properties, the later invention of a working wireless radio, and the resulting technology have been instrumental to AmericaÕs move into the Information Age. The invention of radio is commonly credited to Guglielmo Marconi, who, starting in 1895, developed the first ÒwirelessÓ radio transmitter and receiver . Working at home with no support from his father, but plenty from his mother, Marconi improved upon the experiments and equipment of Hertz and others working on radio transmission. He created a better radio wave detector or cohere and connected it to an early type of antenna. With the help of his brothers and some of the neighborhood boys he was able to send wireless telegraph messages over short distances. By 1899 he had established a wireless communications link between England and France that had the ability to operate under any weather conditions. He had sent trans-Atlantic messages by late 1901, and later won the Nobel prize for physics in 1909. Radio works in a very complicated way, but hereÕs a more simple explanation than youÕll get from most books: Electromagnetic waves of different wavelengths are produced by the transmitter, and modulations within each wavelength are adjusted to carry ÒencodedÓ information. The receiver, tuned to read the frequency the tr ansmitter is sending on, then takes the encoded information (carried within the wave modulations), and translates it back into the sensory input originally transmitted. Many of the men who pioneered radio had designs for it. Marconi saw it as the best communication system and envisioned instant world-wide communication through the air. David Sarnoff ( later the head of RCA and NBC) had a vision of Òa radio receiver in every homeÓ in 1916, although the real potential of radio wasnÕt realized until after World War I.

Signora Da Vinci

Catering is the Signora dad Vinci. She is Leonardo mother. She is the daughter off well-educated man, Ernest, Vine's apothecary. He had an alchemical laboratory, a medicinal garden and an apothecary shop where Catering normally helped. Catering's mom died when she was a baby. Catering was raised by her dad and by her aunt. At the age of eight, his dad decided she was ready to start her education. Ernest told Catering that eight was the greatest of numbers because it was the number of Infinity: It had no beginning and no end.He said: â€Å"Eight is the number of endless possibility. † (p. 8) That day Ernest took Catering to the third floor, a place where she was not allowed to go before. There she found two rooms. Catering explained what she felt when she entered into the rooms. (p. 9) â€Å"When we entered I found myself in a bright, airy, but unadorned room. It was filled with tables, and the surface of every one of them was covered in books† There were dozens of hand- copied books, one manuscript, for example, was one thousand years old.Her father to to have those books and manuscripts because he worked for the Florentine historian and scholar: Pogo Bracingly who also worked for Cosmic De Medici. Cosmic wanted his people to know the ancient Greek and Roman writers and documents that were destroyed with the great library in Alexandria (Egypt. Many of these were hidden from the Christian church fathers, who thought them heretical. Ernest told her daughter that â€Å"What lied within the pages of those books were truths that they couldn't allow to be lost to the World. Truths that had to be learned by her. † And Catering did learn.

Mahindra Social Responsibility Interventions - 1490 Words

About the Company Mahindra Mahindra Limited (MM) is an Indian multinational automobile manufacturing corporation headquartered in Mumbai. It is one of the largest vehicle manufacturers by production in India and the largest seller of tractors across the world. It is a part of Mahindra Group, an Indian conglomerate. It has presence in the Military Defense, Energy and Farm Equipment also. Mahindra Mahindra, branded on its products usually as Mahindra , produces SUVs, saloon cars, pickups, commercial vehicles, and two wheeled motorcycles and tractors. It owns assembly plants in India, China, United Kingdom and United States. MM has a global presence and its products are exported to several countries. As on 31 March 2013, the company had 34,612 employees, out of which 699 were women (2%). What is CSR according to Mahindra Social Responsibility Interventions Mahindra has been a socially responsible corporate making investment in the community. The Core Purpose of the Company is to challenge conventional thinking and innovatively use all their resources to drive positive change in the lives of their stakeholders and communities across the world, to enable them to RISE. In line with Mahindra’s Core purpose, the Corporate Social Responsibility (CSR) vision is to focus efforts within the constituencies of girls, youth and farmers by innovatively supporting them through programs in the domains of education, health and environment, while harnessing the power ofShow MoreRelatedCsr Practices Of Indian Corporate Houses : Hrd Intervention3184 Words   |  13 PagesOF INDIAN CORPORATE HOUSES: HRD INTERVENTION 1. Chitra Raje Basera, Research Scholar, Faculty of Management Studies, Mody University of Science and Technology, Lakshmangarh, Sikar, Rajasthan. E-mail: chitra.basera@gmail.com 2. Dr BS Rathore, Associate Professor, Faculty of Management Studies, Mody University of Science and Technology, Lakshmangarh, Sikar, Rajasthan. 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