The Future of the World essays

The Future of the World papers The present reality is home to more than six billion occupants. China and India are home to more than two billion individuals and these nations are as of now encountering the main indications of over populace. In the event that the populace keeps on developing all things considered, the world can anticipate some significant issues inside the following thirty years. Consistently a fourth of a million people are added to the world, which compares to eighty 7,000,000 individuals for each year. With such an expansion in populace, one can just anticipate the exhaustion of earths common assets and the across the board languishing over its occupants. Such an emotional increment in populace would, thusly, cause numerous natural outcomes. Having twice the greatest number of individuals could bring about extreme issues, for example, air contamination and waste administration. The more individuals the earth has, the more mechanical society will turn into. Expanded industrialization will negatively affect the earths condition and cause overwhelming air contamination. The greatest reason for air contamination today is vehicle exhaust, through the consuming of non-renewable energy sources. While the vehicles of today have made a few enhancements, on the off chance that the earths populace pairs, at that point it must be normal that the air contamination would twofold. Furthermore, space for trash dumps and greater treatment plants should be worked to manage the expansion in squander. The devastation of vegetation so as to make more space for homes and the dumping of waste, won't permit enough air to be cleaned, nor will it leave enough space to create enough food to help the universes populace. Thirty-five nations currently face genuine food deficiencies, remembering two-dozen for Africa, as indicated by a report discharged by the United Nations Food and Agricultural Organization. On the off chance that this is occurring on the planet today what can be normal in thirty years. Numerous nations are very nearly over populace, growing all over to make room. This development frequently stretches out into farming... <!

Stagecraft in The Tempest Essay Example

Showmanship in The Tempest Paper Showmanship is a dramatic term alluding to the specialized pieces of showy, film, and video creation. It incorporates, developing and gear landscape, hanging and centering of lighting, plan and state of outfits, cosmetics, and recording and blending of sound. Showmanship is the part that separates a book from a play, or then again, the capacity to make a story increasingly practical. Stage headings are one of the showmanships that an executive would need to use in The Tempest. Stage headings are significant as without them it would simply resemble somebody perusing out a sonnet in a corridor. A chief needs to consider stage headings for each and every line. I will simply give a case of a couple in Act IIIii. On lines 2-3, Stephano says hireling beast, drink to me. Here it is evident what Caliban needs to do. There are numerous things that a chief needs to consider when Stephano says this line. He needs to give a container to Caliban to drink from and he needs to order the entertainer to exaggeratedly drink and afterward perhaps stumble around away from the jug with a tormented look all over. Props are additionally significant as they make things more reasonable to a group of people than simply professing to drink from nothing. We will compose a custom article test on Stagecraft in The Tempest explicitly for you for just $16.38 $13.9/page Request now We will compose a custom article test on Stagecraft in The Tempest explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer We will compose a custom article test on Stagecraft in The Tempest explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer This line is a case of a coordinated stage bearing, which makes it simpler to make an activity for the characters as the activity is in the line of a play that the character is perusing. In this line, it is all the more diverting to see it in a play instead of perusing it in a book as a record of individuals fooling around is less clever than watching individuals joking around. The following line, which is coordinated stage headings too, is when Caliban says on line 21 Let me lick thy shoe, here Caliban has traversed the line of ordinariness and individuals would like to see this than read about it. Individuals think that its amusing to watch somebody accomplishing something like licking a shoe, which doesnt occur in regular daily existence. Additionally watching somebody accomplish something like this helps the crowd to remember the intensity of liquor and what it can do to you. Enchantment is something else which watching in front of an audience can make it look much progressively reasonable. There is a great deal of enchantment utilized in the whirlwind so the executive needs to make the enchantment look additional uncommon to accomplish the maximum capacity of showmanship. The writer composed the story to be a play so it ought to be simpler to improve the enchantment look than a picture that somebody who is perusing the play has in their mind. The best guide (to do with enchantment) of Shakespeares showmanship is the imperceptibility of Ariel. It was mine craft, when I showed up and heard thee, that made expand the pine and let thee out. Prospero is in complete control of Ariel, Ariel is stating this to allude to the way that Sycorax (Calibans mother) secured Ariel a pine tree for a long time and it was Prospero who let him out which is the reason Ariel resembles a captive to Prospero. thy contemplations I sever to This shows how Prospero has full power over Ariel and how Ariel can peruse even his considerations. Inside this showmanship, the crowd needs to imagine that Ariel is undetectable when they really can see him. This is called acceptance of difficult ideas incredulity. Without this information in our psyches that Ariel is extremely imperceptible it encourages us to comprehend the joke of this scene and we can perceive any reason why Caliban, Stephano and Trinculo are getting so befuddled. By Shakespeare empowering the showmanship of Ariels imperceptibility, we are reminded how truly Prospero has all the force and how Stephano magnificent acts are not genuine, how Stephano is truly not a genuine pioneer with genuine force. Stephano is being made an idiot of in a few different ways as he continues turning on Trinculo each time Ariel says thou liest and he continues indicating portions of his unregal side I will displace a portion of your teeth Stephano overlooks his demonstration and he turns on Trinculo like a mother ensuring her whelps. This is a case of droll parody; he begins slapping Trinculo like hes a jokester on a phase. This likewise shows how again Stagecraft can make a play on a phase a significant ground-breaking experience. Next is the subject of Metatheatre. Metatheatre is the point at which a dramatist incorporates a play inside their play, or a creator including a story inside their story. It is additionally to show the crowd that what theyre viewing is a play and not reality. Ordinarily metatheatre is utilized to show a thing or two to the crowd. Metatheatre is utilized in The Tempest when Prospero makes a play for Ferdinand and Mirandas wedding. Its expected to instruct us that simply like it broke up like a phantom when it completed so to life and everything around us is brief and nothing can have an excessive amount of intensity as one day it also will simply break up or kick the bucket or spoil and blur away. It is referenced in Prosperos discourse about the incredible globe when he says our revels currently are finished. These our on-screen characters, as I prognosticated you, were all spirits and are liquefied into air, like a phantom. This entire discourse is a case of metatheatre as he is disclosing to the crowd how this play isn't genuine and none of what they just observed was in reality genuine despite the fact that it might seem as though it. Another model happens directly toward the finish of the play when Prospero is going to surrender his enchantment and he is talking legitimately to the crowd, approaching them for an acclaim and cheers he says, But discharge me from my groups with the assistance of your matured hands. Delicate breath of yours my rails must fill, or, in all likelihood my undertaking bombs which was to please In this discourse, Prospero reminds the crowd that they are in a play and inquires as to whether theyve preferred the play which they payed to see. Prospero helps the crowd to remember this since when somebody is watching a play or a film, they at times overlook where they are as they are excessively engaged in the storyline of the film. Music is another angle which shows itself preferred in a play over a novel. At the point when one is just perusing the book, one can just envision what the tune of Ariel seems like or what the scout em and mock em move truly resembles. Execution brings the melodic reference alive. The boisterous routine of the intoxicated trio: Caliban is the pioneer of the move and this shows even with Stephanos grand act, Caliban is truly in charge of the gathering! Stephano loses his majestic ways at whatever point something strange and it appeared with the tune, when he hits Trinculo and on line 218 when he says I do start to have bleeding considerations. By watching this unfit conduct for a ruler performed by Stephano, the Shakespearean crowd can learn and acknowledge about European force and Colonialization, they can likewise find out about locals like Caliban and how they live in their common natural surroundings. We can just observe that Caliban is in charge of the move when we are watching a play, as this isn't written in the content itself. Caliban towards the finish of these scenes begins talking from composition to section and in versifying pentameters for instance in his excellent discourse about the hints of the island toward the finish of act IIIii when he says Be not afeared, the isle is loaded with commotions, Sounds and sweet pretense, that give joy, and hurt not and in spite of the fact that we can peruse this in a novel of the play it is as yet simpler and progressively sensible to watch it in a play. At long last, I wish to think about ensembles. In The Tempest the primary concern of outfits are the conspicuous trashy trumpery that intrigue to Stephano and Trinculo. We see again here that watching a play is obviously better, as should be obvious exactly how terrible the garments really are and the amount Stephano and Trinculo are not leveled out of everything. The central matter of these garments are to divert Caliban, Trinculo and Stephano. While they are diverted, Prospero means to torment them all. When we see these garments we realize this will be a clever scene and in reality it is. (The following part is likewise clever as the superb Stephano and his supporters are not so much looking like lords, in certainty they are looking progressively like tramps all wet from the bog of mud possessing an aroma like pony piss. This is another case of ensembles showmanship) Caliban sees straight through these garments however Trinculo and Stephano dont and they begin giving them a shot. We see from this that Caliban isn't as idiotic as he shows up and Stephano and Trinculo are as moronic as they look, it shows who is the cleverest of the three and it demonstrates that all Stephano endeavors to be majestic have not worked and they are gone as fast as they accompanied only one little interruption. These are only a few focuses on the topic of intensity and showmanship utilized in The Tempest and there are additionally numerous others demonstrating that there are away from of recounting to a story by method of a play, than just in a novel.

Research Paper Service - Tips For Choosing the Best Service

Research Paper Service - Tips For Choosing the Best ServiceWhen it comes to finding a good research paper service, there are many to choose from. They all promise that they will deliver high quality research papers in a timely manner, but can you trust them? Here is what you need to know about research paper services.There are several key elements to look for when choosing a service. First, there are those that deliver a lot of research papers. This means that if you are looking for a good research paper service to get you a lot of papers, be sure that this is what you are going with. On the other hand, there are those that only deliver a few papers but deliver them very well.Secondly, there are those that deliver a high quality service that may not actually meet the standards you want. If you want an excellent service, you must be able to tell. You may have to hire someone who specializes in delivering high quality research papers.Thirdly, the cost of the research paper service is v ery important. The more affordable the service, the better. You want to ensure that you are getting the most you can out of your research paper needs, but you also don't want to pay so much that you just aren't able to continue paying for the service.If you want to find a good research paper service, you have to take your time and be thorough. Talk to them in person and tell them what it is you need done. It is best to choose someone who specializes in writing research papers because they are experts at what they do.You also need to find out what kind of service they provide. Most services offer full-length research papers, but some specialize in one or two topics. With a specialist, you have a chance to choose different topics to get a larger variety to choose from.Finally, you have to make sure that the research paper service that you choose has the necessary tools and programs to get your work done correctly. You want to find a service that will provide you with plenty of editing tools, a website that has samples of the type of work you need done, and a portfolio to display your work. You want to be able to check up on your project as it moves through the editing process and know that it has been completed properly.If you are thinking about using a research paper service, be sure to check these three points. You want to get the best service possible, so find one that will deliver the most accurate work and will give you a chance to check it over. Choose a service that is affordable and meets your requirements and you can be assured that your work will be of the highest quality.

Mans Relationship to the Land in John Steinbecks Grapes...

Mans relationship to the land undergoes a transformation throughout John Steinbecks Grapes of Wrath. Initially, back in Oklahoma, each family feels a strong attachment to the land because the ancestors of these farmers fought and cleared the Indians out of the land, made it suitable for farming, and worked year after year in the fields so that each generation would be provided for. Passing down the land to successive generations, the farmers come to realize that the land is all that they own. It is their familys source of sustenance. However, the strong bond between man and the land is broken when the bank comes to vacate the tenants during hard times. The tractors hired by the bank literally tear down the bond†¦show more content†¦Each generation feels a personal connection to the land because the land is how each generation makes its living, no matter how big the piece of land may be. In an inter-chapter, a tenant farmer explains to the tractor driver, who is evicting his family, the special bond between man and the land: If a man owns a little property, that property is him, its part of him, and its like him. If he owns property only so he can walk on it and handle it and be sad when it isnt doing well, and feel fine when the rain falls on it, that property is him, and some way hes bigger because he owns it. Even if he isnt successful hes big with his property. That is so. (50) Through the landowner, Steinbeck reveals that the welfare and happiness of each of the Oklahoman farmers were dependent on the output of the land and its physical condition. The farmers do not ask for much from the land. The land is their way of making the world seem small in comparison to their farms, because to them, their farms are the world. Due to this, the condition of the land dictates the emotions expressed and moods displayed by the farmers. It is implied that the farmers understand that the land all that they own, and if they do not treat it as such, their only source of hope for sustaining for their families is gone. The tenant farmer goes on to explain how the land controls the fate of the family and how man must serve theShow MoreRelated Symbols and Symbolism in John Steinbecks The Grapes of Wrath2004 Words   |  9 PagesSymbols and Symbolism in John Steinbecks The Grapes of Wrath      Ã‚   Symbolism in The Grapes of Wrath is extremely complex, with many images drawn from the Old and New Testaments.   However, Steinbeck as usual was eclectic in his use of symbols, and a great deal of the novel is given to either pagan and universal archetypes, or to highly original meanings unique to the authors own vision and experience.   While acknowledging the Judeo-Christian content, these other symbols are just as importantRead More Life and works of John Steinnbeck Essay2399 Words   |  10 PagesJohn Steinbeck was probably the best author of all time. He was the winner of a Nobel Prize, and along with many other accomplishments, Steinbeck wrote twenty-five books, including sixteen novels, six non-fiction books and several collections of short stories during his lifetime. Seventeen of his works, including The Grapes of Wrath, Cannery Row, The Pearl, and East of Eden, went on to become Hollywood films, some appeared multiple times, as remakes. Steinbeck also ha d some success as a HollywoodRead MoreTheme Of Creation And Expulsion Of Cain From The Garden Of Eden Essay2550 Words   |  11 PagesThat is one of the themes of this work. This theme is like the theme that occurs in the Old Testament immediately following the story of creation and expulsion of Cain from the garden of Eden. (Goldhurst 126) Particularly with this questioning on man’s fate, we are asked whether we should live life alongside others or not. We come to realize that this same exact theme has been portrayed in another work, and in this case, the Bible. The question we see in Of Mice and Men simply reflects upon the wayRead MoreThemes, Styles, And Techniques Essay2289 Words   |  10 PagesSpencer Kandel English IV Mr. Otton 16 November 2016 Themes, Styles, and Techniques as Expressed in the Works of John Steinbeck INTRO INTRO INTRO INTRO INTRO INTRO INTRO When looking over Of Mice and Men, we come to realize that this work portrays various questions when it comes to man and his life. The main question that this work asks when the story is told is â€Å"is man destined to live alone, a solitary wanderer on the face of the earth, or is it the fate of man to care for man, to go in his wayRead MoreMice of Men Dreams of Commitment2273 Words   |  10 PagesMice and Men (1937), the playnovella set along the Salinas River a few miles south of Soledad (Of Mice and Men, p. 1). And, as in all of Steinbecks Califomia fiction, setting plays a central role in determining the major themes of this work. The fact that the setting for OfMice and Men is a Califomia valley dictates, according to the symbolism of Steinbecks landscapes, that this story will take place in a fallen world and that the quest for the illusive and illusory American Eden will be of central

Alcoholism And Its Effects On Alcoholism - 2456 Words

Alcoholism is one of the most intractable and pervasive psychological disorders known. Though the negative health consequences of alcohol are widely understood, and, if anything, the social consequences of alcoholism are even more widely acknowledged, it seems that no matter what steps are taken by public health officials or private organizations, no strategy can ever be fully developed for eradicating alcoholism. There are a number of reasons why this is true. This paper will explore some of the social and medical problems created by alcohol, but in it I will also consider the role of alcohol in my personal life and the way I have seen the disease play out in the lives of people around me. The paper will also examine the social and political responses to the problem of alcoholism and attempt to determine where productive approaches have been taken and areas where mistakes have been made. Before discussing such wide-ranging questions, it is important to understand what alcoholism is and how it is manifested. Alcoholism (sometimes called Alcohol Use Disorder in the technical literature) is, essentially, defined as a dependency on alcohol for an individual to function in his/her daily life. The condition is related to but distinct from alcohol abuse. In the latter case, an individual may be said to have a drinking problem, but s/he is not dependent on alcohol, i.e. alcohol is not a required part of that person s life. This is an important distinction to make as oftenShow MoreRelatedAlcoholism And Their Effects On Alcoholism Essay1326 Words   |  6 PagesMillions of people every year are affected by alcoholism. Both those suffering from alcoholism, and their family members. Out of the millions effected, only a fraction of them seek help in taking control of their addiction. There are many similarities between individual cases of alcoholism, and countless resources to help those who wish to stop drinking, and rekindle their relationships with their families. Statistics In 2014 in the United States 87.6% of people age 18 and older have reported drinkingRead MoreAlcoholism And Its Effects On Alcoholism2284 Words   |  10 Pagespattern of drinking that interferes with day-to-day activities. Alcoholism is a term that is widely recognized throughout the United States and the World. Alcoholism is a chronic disease, progressive and often turn fatal; it is a disorder and not due to other diseases or emotional problems. Many scientists have tried to pinpoint what Alcoholism is, and what this disease may be stemming from. Some people would dispute that alcoholism is only the over-consumption of alcohol; this statement is onlyRead MoreThe Effects Of Alcoholism On The Genetics Of Alcoholism Essay903 Words   |  4 PagesThere are many different evaluation instruments that are used to test for alcoholism, the results are also used to help with the eventually treatment of the person diagnosed with alcoholism. Some of the evaluation tools that are used to de tect alcoholism and the severity are the Semi-Structured Assessment for the Genetics of Alcoholism (SSAGA), Alcohol use disorder Identification Test (AUDIT), Michigan Alcoholism Screening Test (MAST), T-ACE, Addiction Severity Index (ASI) and the Substance AbuseRead MoreAlcoholism And Its Effects On Society1099 Words   |  5 Pagesall cultures, professions, different ages all over the world. It is well known that alcoholism and the abuse of alcohol cause serious medical, psychiatric, social, economic and legal problems (Potkonjak, J. et al. 2005). Alcohol abuse is one of biggest problems in the United States today. It is not only a problem that affects individuals lives, but is a problem that affects society as whole. Alcoholism is the most widespread form of substances used in the United States that effecting at leastRead MoreAlcoholism And Its Effects On Society1413 Words   |  6 Pagesï » ¿ Alcoholism and its effects on society The alcohol is a terrible disease that effects not only your own body and mental health but also it effects everybody who surrounds you. By being an alcoholic you are experiencing all different types of problems. It can be either a problem with a lack of money that will bring you to the friends who are going to get tired of it sooner or later, or alcohol will ruin your healthy relationship with your family and your lovely kids. PeopleRead MoreCauses And Effects Of Alcoholism1194 Words   |  5 PagesCause and effects of Alcoholism Alcoholism has become prevalent throughout time in History. This affliction has brought about several negative effects to the users as well as America’s society in general. Such effects include brain damage or organ failure, separation from family and eventually death. It is not easy to tell if a person abuses alcohol until much later. Alcohol abuse calls for total attention because of the violence-related risks it symbolizes in society. Despite alcohol’s acute harmfulRead MoreEffects Of Alcoholism On A Family1635 Words   |  7 Pagesâ€Å"Approximately 26.8 million children are exposed to alcoholism in the family and 6.6 million children age 18 and younger live in households with at least one alcoholic parent† (Rachel Lohmann P.H.D. Broken Promises). As the numbers state alcoholism is a major problem in our society. Day after day young children, spouses, friends, and other family members are affected greatly by one alcoholic. In order to understand the full e ffects that alcoholism has on a family as a whole, it is crucial to understandRead MoreThe Effects Of Alcoholism On The Children2518 Words   |  11 PagesThe disease of alcoholism has so many different definitions and effects people a lot of people all over the world in so many different ways. The worst part of the effects of alcoholism is that it effects every individual differently so it hard to pin pointing what exactly causes it which makes understanding the disease that much harder. The age in which people start drinking is getting younger and younger and with that the people with alcohol problems is growing and growing; underage drinking canRead MoreAlcoholism And Its Effects On Society1655 Words   |  7 Pagessuch as divorce, death, or a loss of job. One of the most obvious isn t very obvious to the everyday eye anymore. Alcoholism is a problem in most lives, but is usually pushed aside and the other problems in life are blamed. There are many examples of this tragedy in our lives. Alcoholism doesn t just affect the abusser s life, but can affect the lives of his loved ones. Alcoholism affects his health and privlages that he uses in everyday life. According to the National Health interview surveyRead MoreThe Effects Of Alcoholism On The United States1383 Words   |  6 Pages Ariel Herrera Alcoholism in the United States Alcoholism has been a societal issue that does not discriminate in terms of boarders. Although it is an international problem, this paper will focus on its implications in the United States of America. Alcoholism is defined as an obsession or addiction to the intake of alcoholic liquor or the mental illness and behavior resulting from alcohol reliance (Adewale and Ifudu 2014). This paper analysis the demographic differences in alcohol engagement

Siddhartha and Hinduism/Buddhism Essay - 1165 Words

Siddhartha and Hinduism/Buddhism Siddhartha by Hermann Hesse discusses the many paths of teaching that relate to Hinduism that Siddhartha followed on his journey through life and how each path helped him realize what he wanted with his life. Siddhartha follows many teachings or paths in which to reach his spiritual destination, which at the beginning was to reach Nirvana. The four stages of life choices, which favor both renunciation and world upholding, are 1) student 2) householder 3) forest hermit and 4) wandering ascetic (Ghose, 1/18/01). In the book, Siddhartha participated in each of these lifestyles for a significant amount of time. Unlike his father, Siddhartha did not want to be a Brahmin. He thought his calling†¦show more content†¦Siddhartha parted from Govinda to leave behind the childhood memories and with that decision, he felt at peace, he had renounced friendship too. He was no longer going to leave himself behind and begin his day with the thinking of Atman. Atman is the subject of knowledg e (Smart 203). His identity was plain and simple, Siddhartha, the awakened one, not his father’s son and not a Brahmin. (Hesse 38). Siddhartha never fully reached the definition of a householder by raising a family but held a position that would be deemed householder by our society today. Siddhartha found his way into the village after leaving Govinda and saw Kamala who propositioned herself to him and his sensual pleasure that he had suppressed for years while following the samanas was awakened. Siddhartha for many years was Kamala’s lover and helped him to become a rich merchant and have all the personal wealth he had taught himself not to want for most of his life. His ego was the focus of his life. He followed the teachings of greed and personal prosperity, everything he once disbelieved that was right for him. After years of pleasure and learning that, he was not amazed and entertained by the simple pleasures that gave him such joy many years before. He found thos e simple pleasures distasteful and he realized why being a merchant was not his choice of life choice. As he chooses to leave Kamala and that life behind, he doesn’t realize that he has fulfilled a quota of being aShow MoreRelated Siddhartha Essay: Hindu and Buddhist Thought1501 Words   |  7 Pagesand Buddhist Thought in Siddhartha      Ã‚  Ã‚  Ã‚   Siddhartha, set in India, is subtitled an Indic Poetic Work, and it clearly owes much to Indian religions. But the question of the exact nature of Hesses debt to various aspects of Indian religion and philosophy in Siddhartha is quite complicated and deserves detailed discussion. 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Sidd meaning Perfection and Artha meaning to have a goal, so the overall meaning of Siddhartha is the one whose goal is perfection. He was born in a second highest caste in a Hindu family. In Buddhism, Siddhartha is not considered to be a god; he is just a person and only is considered to have certain abilities, as an extraordinaryRead MoreBuddism versus Hinduism Essay1028 Words   |  5 PagesBuddhism vs Hinduism Hinduism and Buddhism are the two main religions of Ancient India. Both religions share Common beliefs but also have their differences. Some differences are the deities worshipped, the founders of the religions, sacred writings observed, and meditation practices. Through out this essay we will explore and compare the similarities and the differences in both of these religions. Hinduism Religion In the Hindu religion, the founder was not one person alone. It isRead MoreHinduism And Buddhism And Hinduism1276 Words   |  6 PagesOut of the worlds many beliefs and religions, Buddhism and Hinduism make of about 20% of them (The Future of World Religions: Population Growth Projections, 2010-2050). Hinduism and Buddhism are the most influential and popular in the eastern hemisphere, mostly in and around the Asian continent. These two religions have similar ideologies. So much so that many say that Buddhism is an appendage of Hinduism. Such religions have different religious structures, which allow broader interpretations toRead MoreCompare And Contrast Hinduism And Buddhism1629 Words   |  7 Pagesmost influential religions in the world are Hinduism and Buddhism. Both religions originate from South Asia and are similar in their basic beliefs and practices; though they differ in many aspects. Unlike Buddhism, Hinduism did not have a founder. It generated and expanded through India from 1500 BC and is the third largest religion in the world. It is considered to be a compilation of different ideas contributed by various groups. The religion Hinduism is a captivating culture that utilizes holidaysRead MoreA Linguistic Term For Indo European And Indian History1164 Words   |  5 Pagespracticed including Hinduism, Buddhism, and Jainism (Carr 2015; Lee 2007). The evolution of a religious culture in ancient India, out of which Hinduism, Jainism and Buddhism emerged as three distinct religions, was a development of great importance in world history. Between them, these religions today have the allegiance of billions of people. (Time Maps 2015) Although the main two that had the biggest impact on the historical nature of Indian civilisation were Hinduism and Buddhism. The Aryans laidRead MoreSimilarities Between Hinduism And Buddhism948 Words   |  4 PagesBoth Hinduism and B uddhism came from the region called India. Hinduism was the dominant one in the subcontinent, while Buddhism had to flee to other regions to spread its belief to the people. The creation of Hinduism will eventually give birth to Buddhism later on. Even though both â€Å"religions† came from the same region, they have some similarities and differences between them. Hinduism from the start was a combination of different beliefs or ceremonies from the Indus Valley Civilization. All ofRead MoreThe Founding And Spread Of Buddhism, Hinduism, Confucianism, And Hinduism1671 Words   |  7 Pagesfounding and spread of Buddhism, Sikhism, Confucianism, and Hinduism, it is evident that although there are many distinguishing differences between the four religions, there are multiple similarities that link them all with each other. The word Buddhism is derived from the word â€Å"budhi†, to awaken, so it makes sense that the creation of the religion begins with its founder’s awakening. It is said that Buddhism started in the 6th century due to the actions of its founder, Siddhartha Gautama, the wealthyRead MoreHinduism And Buddhism : Diversity And World Cultures1021 Words   |  5 Pages8/12/2015 Introduction I have chosen Hinduism and Buddhism as the two religions for this assignment. With religion being such an intricate part of many cultures, I found these religions most interesting due to their similarity. Both of these religions originated in the subcontinent of India, these religions have had an awkward relationship that can be compared to Christianity and Judaism. The belief is that Buddhism is an off shoot of the Hindu religion. My goal is to address

Macbeth supernatural and spirits Essay Example For Students

Macbeth supernatural and spirits Essay In the play Macbeth, there are many interesting sections that concentrate on the suspense and the involvement of the supernatural. The use of the supernatural in the witches, Lady Macbeth, nature, the vision, the ghost and the apparitions are all key elements in making Macbeth as a tragedy play. With the sense of the supernatural and interference of the spirits, Macbeth and Lady Macbeth are led to dangerous tempting things. Macbeths character becomes completely different from the brave soldier to the evil king and to his tragic death where he discovers humility again when it is too late. Lady Macbeths character also changes from being a loving wife and masculine woman to madness woman. The use of supernatural also makes the play interesting to the audience. Examining certain scenes of the play, it is noticed that the supernatural is definitely a major factor on the plays style. The use of supernatural occurs at the beginning of the play, with three witches predicting the fate of Macb eth. When the battles lost and won, it says Macbeths fate is that he will win the battle, but will lose his time of victory for the battle of his soul. The prophecies that revealed by the witches bring a broad temptation to Macbeth that had been in his secret all along for being a king, My thought, whose murder yet is but fantastical. This shows that Macbeth ambition is present before the prophecies. He would never have thought seriously about killing Duncan without the witches. His temptation makes him doing whatever he can to gain power of the throne as prophesied by witches because he thinks the only way to gain the power of the throne is by killing Duncan, which is an easier plan and the ways he makes to the throne show evilness that gradually increased in his actions by murder Duncan, Banquo and Macduffs family. The presence of the witches also gives a huge impact in making the play more interesting. These witches have very strange features; old people in a group of three with dirty and broken cloths, bearded, and no eyes. These features keep the audience hooked to the play and the suspense increases with every scary sound that produced by witches. The supernatural element also taking place in Lady Macbeths soliloquy of calling upon evil spirits to give her power to plot the murder of Duncan without any remorse or conscience. Come, you spiritsunsex me here and fill meof direst crueltycome to my womans breasts for gall, her soliloquy shows that she relied on the supernatural by asking for the spirit to get rid of her natural feelings of compassion by making her cruel. The interference with the supernatural might cause her be possessed by ghost when she goes mad and sees blood on her hands. On the night Macbeth and Lady Macbeth plan to kill Duncan, the nature acting very strangely, the moon is downtheir candles are all out. It says that there is no moon and no stars in the sky. The obscure bird clamored the livelong night, this shows that the owl keep cryin g out the whole night. This nature of darkness together with the crying owl evokes of evilness in the night when Duncan is killed. The strange behaviour in nature shows the existence of supernatural and it creates a perfect scene for the accursed murder. The darkness and the sound of the owl make the play becomes more real and interesting for the audience. As Macbeth awaits for the signal to make his way up to the stairs, he sees floating dagger and said Thou marshalst me the way that I was going; and such an instrument I was to usetheres no such thing. It is the bloody business which informs. Here, Macbeth begins to question whether his mind playing tricks on him or there is presence of evil that put the dagger which being covered with blood. This shows that there is interference of supernatural that leads Macbeth towards the Duncans chamber to do the murder. The dagger symbolizes the point of no return for Macbeth. If he chooses the path in which the dagger leads, there will be no turning back. After Macbeth did the murder, he becomes a king. Although he has already achieve his goal to be a king, he begins to be greedier to not let the Banquos prophecy of being father of kings come true because he thinks he has put a great effort to reach the throne. Therefore, because of his fears due to Banquos prophecy, Macbeth proceeds to plot the murder of his friend, which caused him to fall into a deeper hole. Once the murderer notified Macbeth that the deed was done, he observed Banquos ghost in the place reserved for him. What man dare, I dare. Approach thou like rugged Russian bear take any shape but that, and my firm nerves shall never tremble. Macbeth feels frightened at the sight of the bloody ghost haunting him and proclaim that he could take any wild animals, but not Banquos ghost. This shows the interference of spirit in Macbeths mind and this caused Macbeth to act in a wild manner, making people suspicious of his actions. The word I will, to the weird sister s: more shall the speak, for now I am bent to know by the worst means the worst. This tells us that the existence of the ghost also tempting Macbeth to return to the three witches, desiring more information regarding his fortune. As the witches are preparing a magic portion in a cauldron, Macbeth enters and roughly demands them to answer his questions. Therefore, the witches show him three apparitions. The first apparition is a head wearing a helmet. It says Macbeth! Macbeth! Macbeth! Beware Macduff! Beware Thane of Fife. This apparition warns Macbeth to beware of Macduff before disappearing. This drives Macbeth to hate Macduff more and on learning that Macduff has escaped before he can have him murdered, Macbeth immediately decides to murder his whole family. This shows Macbeth as an evil king, he decides the murder because he can do it, it is the irrational act of tyrant. The second apparition is a child covered with blood who tells him that for none of woman born shall harm Macbe th. This apparition assures Macbeth to will not be harmed by man who born by woman. This convinced Macbeth of the power he has by thinking how could Macduff, a man of woman born, hurt him. Then live, Macduff: What need I fear of thee? But yet Ill make assurance double sure, and take a bond of fate. It says that although Macbeth has learned that Macduff will not hurt him, as Macbeth thinks that Macduff is a woman born, he still not completely feel assured that he will not be harm by anyone. The third apparition is a child crowned with a tree in his hand tells Macbeth that Macbeth shall never vanquished be until Great Birnam Wood to high Dunsinane Hill shall come against him. It says that Macbeth will never be defeated until Great Birnam Wood moves against the castle at Dunsinane. That will never be, who can impress the forestsweet bodements, good! It shows that Macbeth feels completely certain that no man can kill him and he will not be defeated until a forest uproots itself and move s. All of these apparitions show the interference of the spirit who tells Macbeth about his fortune. These apparitions are good news for Macbeth. The witches encouraged him to believe he is invulnerable and indestructible. He has found protection in the strength of spirits words. Having possession of all the confidence in the world, he fears no one. The prophecies at the beginning of the play led him to his success, and those apparitions at the end just led to his tragic death. It is a tragic death because without known that Macbeth will become a king, he would still be a brave soldier, honest and humble man. From all above, the use of the supernatural and spirits provide suspenseful play in Macbeth. The first prophecies have led Macbeth to murder Duncan and Banquo in order to gain the power of the throne. Lady Macbeth also relied on supernatural by her soliloquy to change her into a creature without human compassion, which at the end shows that she might be possessed by spirits. Th e hallucination of the dagger also shows the interference of spirit that leads Macbeths way to Duncans chamber. After his encounter with the ghost of Banquo, Macbeth proceeds to visit the witches one last time to insure his security. After this last visit, Macbeth becomes over confident which cause his tragic death. Without the witches, Lady Macbeth, strange nature, vision of dagger, ghost, and the apparitions, the play Macbeth would have been a dull and tiresome play. .u1ab9a3546b43364adcf623c9a2e61387 , .u1ab9a3546b43364adcf623c9a2e61387 .postImageUrl , .u1ab9a3546b43364adcf623c9a2e61387 .centered-text-area { min-height: 80px; position: relative; } .u1ab9a3546b43364adcf623c9a2e61387 , .u1ab9a3546b43364adcf623c9a2e61387:hover , .u1ab9a3546b43364adcf623c9a2e61387:visited , .u1ab9a3546b43364adcf623c9a2e61387:active { border:0!important; } .u1ab9a3546b43364adcf623c9a2e61387 .clearfix:after { content: ""; display: table; clear: both; } .u1ab9a3546b43364adcf623c9a2e61387 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u1ab9a3546b43364adcf623c9a2e61387:active , .u1ab9a3546b43364adcf623c9a2e61387:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u1ab9a3546b43364adcf623c9a2e61387 .centered-text-area { width: 100%; position: relative ; } .u1ab9a3546b43364adcf623c9a2e61387 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u1ab9a3546b43364adcf623c9a2e61387 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u1ab9a3546b43364adcf623c9a2e61387 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u1ab9a3546b43364adcf623c9a2e61387:hover .ctaButton { background-color: #34495E!important; } .u1ab9a3546b43364adcf623c9a2e61387 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u1ab9a3546b43364adcf623c9a2e61387 .u1ab9a3546b43364adcf623c9a2e61387-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u1ab9a3546b43364adcf623c9a2e61387:after { content: ""; display: block; clear: both; } READ: 19th Century Women Authors Essay

Muslims Report Rising Discrimination at Work by Steven Greenhouse

Introduction Discrimination all over the world has definitely become one of the hottest issues discussed by various authorities. Discrimination whether it is based on race, religion or any other, is magnified and has continuously taken the centre stage as globalization speedily continues to engulf the world.Advertising We will write a custom article sample on Muslims Report Rising Discrimination at Work by Steven Greenhouse specifically for you for only $16.05 $11/page Learn More Through globalization labor shifts have been made possible as people cross borders in such for better living. One of the favorite destinations for most people has been the US. In an article posted in the New York Times, Steven Greenhouse examines how the Muslims are subjected to discrimination due to their Islamic affiliation. This essay is a short summary of this article posted in the New York Times and also contains personal opinions of the implications of such discrimination to the human resource heads. Article Summary Generally, the article by Steven Greenhouse is an account of various discriminative actions directed to towards the Muslims, citizens and immigrants, working in the US. The article predominantly examines the discriminative action with respect to the work places. This discrimination, as covered in this article, starts as early as at the recruitment process, whereby persons wearing hijabs, a Muslim outfit worn to cover the head, are classified as not having a company look. It is interesting that this takes place even when the recruitment officers are full aware that discrimination in the basis of faith is wrong. The article also brings out the trend of discrimination in the US. According to this article, discrimination against the Muslims is on the rise. The numbers of reports which have been filed seeking justice against discrimination based on the Muslim religion are ever increasing. The EEOC has continually received reports of immigrants as well as citizens who are discriminated against due to their religious affiliation of being Muslims. It is striking that some of the discriminatory activities are being directed towards long serving employees, for instance, the account of Imane Boudlal who had worked for two years for Disneyland was denied the opportunity to wear a hijab when she decided that she wanted to have it on during the holy month.Advertising Looking for article on ethics? Let's see if we can help you! Get your first paper with 15% OFF Learn More Another instance is that of Mohammad Kaleemuddin who has been working as a driver for a Houston truck company. Mohammad Kaleemuddin after working for three years in a friendly manner with fellow workers and his supervisor could not understand why they all over sudden turned against him and started calling him names. In some instances, the discriminative actions were outrageous, for instances, the article records of cases where praying Muslims are pe rpetually disturbed during their prayer time. Lessons for the HR What lesson can the human resource department learn from this article? I believe that it is the duty of the human resource department to ensure that all the workers in a firm work in a productive environment that does not discriminate them on any basis. Law suits tarnish the name of a company as well it costs the company when fines are paid in case complainants succeed to show acts of discrimination were directed at them. It is also clear that if the relevant departmental heads do not take actions to stop the discriminatory behaviors at the workplaces then they are likely to spill over to other social institutions within the society. This will breed hatred among the citizens and this may as well act as a catalyst for terrorism as it may be viewed as the only way to avenge for the humiliation for which the Muslims are subjected to. Conclusion Discrimination is on the rise at the workplaces and there is an urgent need fo r the relevant authorities to ensure that such is stopped. Works Cited Greenhouse, Steven. Muslims Report Rising Discrimination at Work. The New York Times, 2010. Web. https://www.nytimes.com/2010/09/24/business/24muslim.html This article on Muslims Report Rising Discrimination at Work by Steven Greenhouse was written and submitted by user Annihilus to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

Time Perception in an Altered State of Consciousness Essays

Time Perception in an Altered State of Consciousness Essays Time Perception in an Altered State of Consciousness Paper Time Perception in an Altered State of Consciousness Paper The hypothesis that ere was no difference in the mean estimate of relaxation reported by those who are skilled at relaxation and those who are not was unsupported, as a significant difference was found. It was concluded that those who are skilled at relaxation would report a higher level of relaxation and those who were not skilled at relaxation would report a lower level of relaxation. The perception of time during an altered state of consciousness This study explored how time was perceived during a relaxed state; more specifically, it investigated whether people who said they were skilled at elation reported a deeper level of relaxation than people who said they were not so skilled. Relaxation can be viewed as an altered state of consciousness as it is a state that is dramatically different from ordinary responsiveness and awareness. The standard state of consciousness is defined as being alert, awake and responsive to the environment and ones own mental activities (Lepton and Brannon, 2006). This study has been adapted from Gravitas Laurie (1 991), who in turn adapted it from Volcano. Volcano (1938). They too looked at the effect that an altered state of consciousness had on time perception, but did not delve into the question of whether those who were skilled at relaxation were more adept at achieving it. Button (2004) also investigated time perception and found that time seemed to pass slowly when an individual was highly conscious of themselves and their environment, whilst time speed up when an individual was in a more relaxed state when the individuals consciousness of the situation and of themselves is low. Vital et al. (2005) believed that relaxation was a psychologically induced state which reduced autonomic and central arousal, but gain did not delve any further to how the participants who were skilled at relaxation and those who were not experienced it. Assign (1988) discussed the different states of mind and consciousness, whilst Graff Grinding (2006) looked at time perception not in relation to relaxation, but to time-based prospective memory. Although there has been no evident previous research on how skilled and unskilled practitioners of relaxation experience relaxation, this study can extend on and expand the Common-sense belief that those who are skilled at relaxation would be better at achieving it and would report a deeper level f relaxation than those who are not skilled. The aim of the present study is therefore to investigate whether or not there is a difference in the reported level of relaxation by those who are skilled at relaxing and those who are not. It is hypothesized that there is a difference in the mean estimate in personal relaxation level between those who are skilled relaxation practitioners and those who are unskilled relaxation practitioners. Method Participants The participants were undergraduate students studying introductory at University in and in There were 174 participants in total (M = 20 years, R = 16 45 years), 37 men and 137 women, who were participating as it was a required task in the course. Each class was randomly allocated to a group and a set of instructions. There were 57 participants in the control condition, whilst there were 63 in the experimental 1 condition (which involved meditative relaxation) and there were 54 participants in the experimental 2 condition (which involved doodling). Each group had a varied number of males and females in it. Design The dependent variable was perception of time, whilst the independent variable was the method of relaxation. The designs for the experiment are the following; 1. Between groups experimental design (v. 1, 2, 3, 4, 5) 2. Correlation design (v. 1, 2 and 4) 3. Qualitative survey (v. 6) The variables in this experiment are; 1. Estimate of time elapsed whole number of minutes 2. Estimate of personal relaxation loophole number from 1 to 10 3. Sex Male / Female 4. Age 17 to ? In whole years 5. Skilled at relaxation yes / no 6. Preferred relaxation activity (description) Materials The experimenter needed a clock or watch to be able to keep a track of how much time has passed, but the participants did not have access to either of Hess. The experimenter also needed three different sets of instructions (see Appendix B, C D) to give to the participants that detailed what they were meant to do and how they were going to relax. A quiet room free from distractions (such as external noise) was needed to hold the experiment in, one that would preferably be carpeted and have furniture that could be moved around. Each participant was also supplied with pen and paper, and a survey (see Appendix A) which was to be filled out at the end of the experiment. Procedure The participants were told that they would be learning a method for relaxation, ND were asked to remove their watches. Each class was assigned a different group and given a different set of instructions. One class was Condition 1, an experimental group, and given Instruction Set 1 (see Appendix B), which had authentic meditative relaxation instructions. Another was Condition 2, the control group, and given Instruction Set 2 (see Appendix C), which had basic quieting instructions. The last class was Condition 3, experimental group 2, and given Instruction Set 3 (see Appendix B), which had instructions to do an active but relaxing task- free doodling. Once the instructions were distributed, Condition 1 (experimental group) and Condition 2 (control group) were asked to move the furniture to the perimeter of the room, sit comfortably on the floor, and follow the instructions they were given. Condition 3 (experimental group 3) did not move the furniture; instead, they were seated at their tables and asked to follow the instructions they were given on free doodling. The experimenter gave the start signal for the participants to begin, and after 14 minutes, gave the stop signal.

Write an appraisal Essay Example | Topics and Well Written Essays - 250 words

Write an appraisal - Essay Example Her skills in terms of team building are exceptional. She has the ability to create an environment that is team-oriented. She is capable of transforming a group to a team. She is also focused on strengthening the relationship among the members of her team. She is able to come up with fresh ideas that can be used to enable the improvement of the quality of the output. She strictly adheres to all the instructions provided to her formally. She also takes interest on increasing her knowledge in regards to any given job. As much as she makes she makes decisions carefully, and can solve the simple problems, she also has to learn how to solve the complex problems. I recommend enough exposure to the difficult problems for her so that she can be able to learn out of them. She needs to be exposed more to the people who are at the top management of an organization, so that she can be able to learn more on how to communicate with the top management people. She also needs to be exposed to more clients so that she can be able to develop excellent communication skills in regards to

Managment Style Research Paper Example | Topics and Well Written Essays - 2750 words

Managment Style - Research Paper Example b. Customer Satisfaction – Bibu and Moniem (2011) contend that customer satisfaction also correlate to employee satisfaction, as well as, the latter’s sense of productivity and performance. Thus, in organizational development, the company shouldn’t be just interested in customer satisfaction but also must improve the capacity of human resource to make them competitively leverage and distinction in their services. Making them customer-focused needs a healthy interactive capacity while deployed in varying tasks to fulfill customer needs. c. Role and Responsibility—this is a general concept that relates to specific tasks, functions, and accountability of workers. d. System and Process – includes the conduct of training, improvement of communication, recognition of good and efficient workers, and the utilization of technology to advance organizational operations and to improve the services of human resources. The system is either internal or external. I nternal system relates to defined rules and procedures of the company while the external system are those regulations mandated by the government and its agencies which compel an organization to follow as a matter of policy. e. Results and Measures— in business strategic management, result and measure relate to performance management and the use of evaluative measures to ascertain that the employee has achieved, where one failed, and who needed more capacity enhancement. In many companies, this is called as quality control and could be furthered through constructive criticism or feed-backing system. f. Business Growth – Growth are based on some economic principles such as â€Å"protection of property rights, market-based competition,... This essay will explicate the comparative management styles of cited nations. American business managers also seriously practice transactional and transformation leadership with incessant interest for company growth and development. Thus, most of them are adept on change management by optimizing open communication system. To maintain the motivation of their employees, they include them in planning and in strategizing the business plan. According to the paper experts posit that entrepreneurial leadership in an organizations demand the need to quantifying leadership behaviors because of the revolution and changes in measuring the behaviors of both leaders and managers. It is but exact that human resource managers must have in-depth understanding the cognitive skills and the intellectual intelligence of its workers. This is because, as discussed earlier, leadership skills are crucial in organizational developments and in decision-making. Ward suggested that organizational performance is related leadership skills where models are suggested to be followed and appreciated for organizational stability and sustainability. It makes a conclusion considering all these, it is but essential for Saudi-based managers to restudy some excellent or best practices in HRM and OD practiced in American society. They may later identify what is practicable for effective and efficient organizational management under its Muslim culture and practices. What is significant here is that there are theories in leadership for organizational development and human resource management that can be utilized for practical ends—and hopefully influence for a more effective organization management. It’s a necessity that the company is able to reinvent and innovate for high performance and success.

Strategies to Gain New Customers via Internet Banking

Strategies to Gain New Customers via Internet Banking 1. Introduction It includes the following topics: a. A clear statement of the purpose of the thesis b. Reasons for the study c. Statement of problems d. Purpose of the study a. The purpose of the thesis: If students have to write their M.B.A theses, which make a large number of significant errors, this is the main reason why their projects return for audit. Disappointed and falls, they need to proofread and to work for their dissertations. It has taken so much time for them to write their dissertations, and now they should start from the exact beginning. I shall show you how to avoid failure in the basic thesis and is, as you know about this failure. The most important thing about the dissertation writing is that you should understand clearly the purpose of the letter. The main purpose of writing of a dissertation is to provide a student with an opportunity to discover something new in the field of investigation. If the student can lead a deep, wise and profound Research, and can draw a clear conclusion about his / her research with any discoveries that present in the final dissertation, he reached the end. One more important thing is to writing a thesis that you should know about th e latest discoveries in the field of investigation. That purpose, writing a dissertation, can be achieved through lectures and analysis of relevant sources thesis. A student should be aware of the position of the writer and should appreciate the critical position. There is no doubt that you will succeed in your dissertation, if you know the main purpose of writing a dissertation, which will be presented by me. Apply for M.B.A dissertation to get a piece of good advice. M.B.A dissertation is always willing to help you. For many courses forms part of a dissertation is to complete study for a degree. For some courses it is linked with work experience. It provides you with an opportunity to take a piece of individual research work and to really examine an aspect of the theme that you are studying closely. b. Reasons for the investigation: There are opportunities for the effective use of the Internet with regard to the banking industry. It is shown that may cause the appropriate application of todays cutting-edge technology at a significant competitive advantage for banks. This is illustrated by a scenario that focuses on the potentials of advising on the Internet. For many consumers, electronic banking means 24-hour access to redeem with an automated counter machine (ATMS), or direct deposit of paychecks for the checking or savings accounts. But electronic banking now involved many different types of negotiations. Electronic banking, also known as electronic funds transfer (EFT), uses computer and electronic technology as a replacement for paper checks and other negotiations. EFTS is initiated through devices like cards or codes that you can, or that you authorize to accesses your account. Many financial institutions use ATM or debit cards and personal identification numbers (NEEDLES) for this purpose. One uses other forms of payment cards such as those that require the most, your signature or a check. The federal Electronic Fund Transfer Act (EFT Act) covers some electronic consumer negotiations. Although Internet banking has been widely adopted in developed countries, there is a group of customers resisting the services. In other words, Internet banking, although proven to be a successful innovation is not yet adopted by the laggards have become, and therefore have all the expectations of banks did not hit. Therefore, the purpose of dissertation is to identify the reasons for the sales resistance to Internet banking. The special interest is to explore resistance among those who pay a customer who already has valid contracts for Internet, but preferably pays, pay their bills through ATMs. The goal is to identify the characteristics that generate resistance to Internet banking and their connections to values of individuals. To achieve the objective, 30 Finnish bank customers have used the detail ed Central finished interviewing approach and the laddering interviewing process. c. Statement of problems: To develop strategies for banks is to get people to pay online which was drawn a sample of 369 consumers from two universities in Kwazulu-Natal. Universities were chosen because they are an untapped e-commerce market segment. Workers at universities fit the profile of typical Internet users. Data were collected a used tissue based on survey. Statistical analysis has revealed that more men have used Internet banking than females. Automated telling machines custom was far greater than Internet banking usage. A large percentage of Internet bankers have used the service for burying account transfers and balance test / statements. Safety was the main issue for not paying in-line. Potential customers who have wanted guaranteed safety and loyalty rewards to get them to pay online. Internet banking has the potential to grow among tertiary institution workers. Some of the problems are explained below: Negotiation / Farms Explorers Risk Negotiation / edited risk arises holdings of dizziness, the error, system interruption, or other unexpected events that result in the inability of the institution to provide products or services. This risk exists in every product and service offered. The amount of the negotiated risk is influenced by the structure of the processing environment of the institution, including the types of services offered and the complexity of procedures and supporting technology. Credit Risk In general, the credit risk of a financial institution to mere fact not equal, that a loan will be produced by an e-banking channel. However, management should consider providing an effective management information systems, including assuring the performance of portfolios produced bear pursued through e-banking channels. LIQUIDITY, INTEREST RATE, PRICE / MARKET RISKS The Funding and investment-related risks could increase with the e-banking initiatives of an institution that depends on the volatility and judgmental of the acquired deposits. The Internet provides institutions with the ability to bring to the global market their products and services. On Internet-based advertising programs can effectively yield-focused investors with potentially high-adapted resulting deposits. But Internet-produced deposits have the potential to attract customers, which may focus exclusively on rates, and a source of funding with risk characteristics that are similar to deposits has provided care. An institution may, by this potential volatility and its extensive geographical reach agreement and deposit account control to open the practice of personal meetings and involve the exchange of paper correspondence is expected. COMPLIANCE / LEGAL RISK Compliance and legal issues arising from the rapid growth in usage of e-banking is based, and the differences between electronic and paper methods. E-banking is essentially a new delivery channel where the laws and rules that may govern the electronic delivery of certain financial institution products or services to be ambiguous or even developing. Governing laws and regulations, consumers bargaining, require specific types of disclosures, notes, recordings or tours of conditions. These conditions also apply to e-banking and federal banking agencies continue to update consumer laws and regulations, the impact of electronic banking and online customer relationships to reflect. STRATEGIC RISK A committee should understand the financial institution and manage the risks that are associated with e-banking services and the emerging risk management costs against the potential return on investment-bank Offered in essential services evaluated. Poor e-banking planning and investment decisions are to increase the strategic risk of a financial institution. Early adopters of the new e-banking services can be as forerunners who may expect to establish the needs of their customers, but by then incur higher costs and increased complexity in their decision. REPUTATION RISK One institution, e-banking services to offer, especially the more complex transactional services and significant increases in its level of reputation risk make risked. Some of the inputs, which e-banking affect the reputation of an institution may include, loss of confidence due to unauthorized activity on customer accounts disclosure or theft of confidential customer information to unauthorized parties(e.g. hackers), failure to marketing requirements, supply, failure to provide reliable service on the basis of the frequency, or duration of service interruption, customer complaints about the difficulty in e-banking practices and the inability of essential services desk to resolve problems, and confusion between services that are provided by the financial institution and the services which has been supplied by other businesses, which has been linked from the site. d. Purpose of Study E-Commerce revolutionized the way business is headed. New business models to replace outdated and organizations to think of business processes and customer relationship management strategies drafts. Banks are no exception to this transformation. This study examines the views of bankers on providing banking services to help customers use the tissue. Specifically, it speaks expenditure, such as the strategic need for Internet banking, its effect on client-bank relationships, and the experiences of customers in internet banking. Advantages of internet banking to banks I. Cost savings Orr (1999) states, the electronic processing dramatically reduce the cost per procedure, according DiDio (1998), the average transaction cost at a full service bank about $ 1.07. It reduced to $ 0.27 an ATMS and falls to a penny if the same transaction is conducted on the fabric. Also, there are opportunities for banks to hand over customer invoices electronically. The cost to deliver invoices to be electronically much lower than when the bill was in paper form, which has been delivered through the mail. Irvine (1999) states, the electronic bill presentation costs 40% less than paper delivery. These cost savings can offer customer pays, and similar reduced costs of the banking system and still provides effective and differentiated services. II. Loyal customers Loyal customers have in a new study that was conducted by Forrester Research, 61% of respondents claimed that if their banks offered financial services that they wanted, they would prefer the service of the Bank use. With this knowledge of the Offering consumers interest in mind to move banks, a hub of financial services including bill presentation and payment, financial planning, estate planning, insurance, loans, and brokerage services. The Internet allows for these converging financial services not previously available in one central location. III. Offer additional services Do you offer additional services as mentioned above, to move many banks to offer customers a financial portal? This portal concept offers banks a new role in the business of serving customers. Simply an Internet presence has not supplied one income stream banks. However, by offering a wide array of products and services that can benefit from internet banking integration. By creating financial portal where consumers can manage a wide range of financial activities, such as stocks and mortgages, banks can benefit from offering Internet capabilities to help customers (Wah, 1999). IV. Internet Profit Generation E-commerce, if properly integrated into existing banking operations can lead to significant cost savings and higher profitability. Find cost savings due to automate customer negotiations, such as fund transfers, payments, account balance inquiries etc. Strategic alliances with insurance companies, mortgage companies and stock brokerage firms can lead to additional business opportunities that will otherwise go unfulfilled. In addition, banks can retain customers more effectively if offering services, the value-addition are. High-profit customers, which some studies suggest that entice the demographic of internet banking customers. Wells Fargo Bank online customers have an annual median income of $ 75,000 with higher education levels than the average wells Fargo customer (Hoffman, 1999a). Also this group of customers is more profitable than the bricks-and-mortar counterparts. They generate 50% more income than the average wells Fargo customer, holds a 20% increase in balance, yet uses 50% product, and its wear rate is 50% of the total wear rate. Furthermore, on average, it costs 14% less compared to those customers bricks-and-mortar customers (Time well and Kung, wait 1999). Advantages of internet banking to consumers A. Cost savings Cyberspace is cheaper to operate than brick and mortar structure, and this cost advantage can often be further passed to consumers. The Internet Banking cost structure allows consumers to receive cost savings, and financial benefits for depositing online. A comparison of the (e-banking) and depositing one (parent bank a brick and mortar bank) offers an illustration of this point. For checking accounts Wingspan offers an interest rate of 4.5% interest, which is compared, one1%deposit.It also offers more options begins in the mortgage and insurance, with 60 loaning companies and 15 insurance salesmen. It also offers customers an advantage over to his parent in the field of electronic bill payment, which offers the service for no extra charge, while depositing, one invites $ 4.95 per month (, 1999). B. Access to additional services On Basic transactional web sites allows customers to check account adjustments, possession and new banking statements. Systems that allow customers to initiate negotiations on-line, such as transferring money between accounts or making payments, provides customers additional benefits. These elevated sites allow customers to pay bills to request and review loans and mortgages, credit cards and checking accounts. The financial institutions that offer extensive online services, well, are set to be a leader (Hickman, 1999). By offering this great umbrella of the service trust of one who pays the institution, these companies can save a larger share of the financial transaction from a customer. C. A good shopping stop: Banks, adds real time loan applications, added the ability to make IRA investments, the opportunity to trade shares through their websites. The tendency for flocking that is pays predicted to shape the future of Internet banking on. This concept of one-stop shopping is convenient and leads to more satisfied customers. 2. Literature review In literature review I shall discuss the following: a) Critical review of the literature as Use of relevant literature b) Evidence of understanding the ideas expressed c) Develop a critical focus Critical Review of the literature: Paying online or Internet offers consumers and business like the convenience of managing banking and financial responsibilities of home A. Online banking can also be a lifeline for those who can not leave his house, or may live in rural areas where access can be restricted to banks. To be able to check your bank, savings and justify Digital Banking customers have a range of internet banks have to meet those needs to ensure customer loyalty. Consequently, change Internet banking services in general, and on finding feedback paid online services are important to this book. Our investigations of online banks allow you to compare internet banks and to find the best service that is available with investigations of Lloyd internet banking, a paid online, a HSBC and Barclays internet charges among others. If you are Internet banking, please send us your internet, the review and makes known repaying us your thoughts and experiences of the personal Internet banking INTERNET BANKING SERVICES AND FEATURES i. Checking your balance and statements online ii. Fund Transfers iii. Bill Payments iv. Managing savings and current account v. Cards service vi. Order cheque and books request vii. Please ask for stop cheque payments viii. Fixed Deposit accommodation ix. Requested by the Statement Internet distribution strategy decisions These are the key strategic decisions for e-marketing with strategic choices for traditional marketing. They engage in selective target customer groups and giving, how to deliver value to these groups. Segmentation that aim is to have differentiation and positioning of the entire key to effective digital marketing; the main thrust of the e-marketing strategy is takes decisions on the selective targeting of client groups and different forms of value delivery for online channels. It is a similar issue with e-buyer strategies see link at the footer of the article. In an e-marketing context, we can say: a. E-marketing strategy is a channel strategy. b. Specific e-marketing objectives must be set adoption rate of e-channels have been compared to other channels for different audiences. c. E-channel strategies thrive on creating a different value for all parties to a negotiated. d. But E-channel does not exist in isolation, so we still need to manage channel integration, and acknowledges that the adoption of e-channels will not be suitable for all products or services or generates sufficient value for all partners. Thus E-marketing strategy is defined as we should: a) Communicate the benefits of using e-channel. b) Guide Put priority on public or partners for e-channel adoption of third targeted. Set priority products and has sold through e-channel purchased. c) Achieve our goals through e-channel tactics for online customer acquisition, conversion (conspiracy) and retention. A strategic option exists to replicate offline segmentation, which aims at a differentiated manner, and in the online channels. While this is relatively easy to run the company will likely lose market share, compared with more nimble competitors who modify their approach to online channels. An example of a strategy makes no grocery shopping, where some pet shops have released to all parts of the country or not, not providing the service in general. These supermarkets will lose customers to the most enthusiastic adopters of online channels, such as Tesco and Sainsbury; the victory will be difficult to be back sides in future. Segmentation / strategy aimed at company online customers have different demographic characteristics, needs and offline behavior to its customers. It follows that different approaches may be required to segmentation, and specific sectors may be choosy need to be targeted. The manner / the online product differentiation strategy competitors and service offerings are often different in the online environment. Develop a suitable online value proposition is as below describe an important aspect of this strategy. Has many examples of online information is based on the lower costs achieved distinction in and retaining online customers, which are then passed to customers. Examples include: Retailers offering lower prices online. For example Tesco (price promotions on selected products), Comet (discounted when compared to in store on some products) Lower cost airlines offers flights to online bookings. Examples: easy Jet, Ryan air, BA. Financial services firms offering higher interest rates on savings products, its lower interest rates on credit products such as credit cards and loans. Examples: Nationally, federal and Leicester. Mobile phone network provider or Utilities, the lower cost of fares or discounts offered for customer accounts that are managed online paperless billing. Examples: O2, British Gas. Other options for differentiation are available on-line for companies where their products are not suitable for sale online, such as high value or complex products or FMCG brands sold by retailers. These companies may use online to add the brand or the product value by provide additional value services or different types of experience. 1. Online CRM strategy: It will focus on various aspects of the customer life cycle for online customers in terms of: Acquisitions Strategies, attract new customers to a company, and existing customers about online channels, to migrate. Separate targets should be set for each. Retention using online channels proliferate, retention, and value of the customer company. Reactivation encouraging continued use of online channels from customers that have passed, for example, had online or home shopping service, buys the service, but has now stopped. This may be driven by setting targets for% active customers. Customer knowledge (familiarity) learning more about the customer through profiling and monitoring of behavior. 2. Online value proposition strategy: It defines the value proposal for the acquisition and retention, engage with customers is online. Close communicative and promotional incentives which use to encourage trial. Program also defines the value creation through time for example, white papers are available for example monthly or seasonal sales promotions made. 3. Online has targeted range strategy. Objective: Communicate with relevant online audiences to achieve communication goals. The communications typically include: building brand awareness and favorability build impulsive online purchase, growing offline purchase intent, list or migrating existing customers to online channels. Focus: New customer acquisition: Communication strategy with selected sections of online customers through media buying, PR, is to sending e-mail, viral campaigns and sponsorship or partnership arrangements. Driven by goals of the online audience is share and number of visitors placed in different sections. The strategy may involve: A. To drive visitors to the company office B. To achieves brand awareness and interactions on third sites. C. Building brand awareness, favorability and purchase intent on third may be a more effective strategy for low participation FMCG brands, where it will be difficult to encourage visitors to the site. D. Offline has targeted range strategy. Encourage Target: Potential customers who use online channels that Visit site and performed where relevant. Focus: New customer acquisition and migration of existing customers online. Strategy to communicate with selected customers, divide by offline direct marketing, media buying, PR and sponsorship, driven by goals of the online audience share and number of visitors placed in different sections. E. Offline Sales Impact Objective Strategy: Use on-line communications, sales achieved by offline channels. Focus: Achieving sales off-line (new or existing customers may be defined) strategy, such as on-line communications through the website and the e-mail offline sales i.e. influenced by phone, mail or in-shop can. F. Online Sales Efficiency Strategy Objective: Job visitors turn to buy Focus: Achievement sales online (may encourage new or existing customers to be) For transactional e-commerce jobs, a strategy that point visitors to purchase online mercantile, promotions, etc. For other types of agencies multiplying conversion factors leads. As part of this strategy options to convert visitors to action, exploring reduce (or attribution installments) is, i.e. first-time buyer promotions, job design improvements, website and landing page optimization. Triggered event, has e-mails are used automatically to convert potential sales to sales. Introduction: Although cost in retail banking in Europe is confronted with quite similar challenges and changes that are changing responses considerable. 1. This shows the changes in the strategic orientation: Which are apart from walking organization structures by individual banks and different characteristics of national markets? The operating authority and the capitalization of banks play an important role in the selection of a suitable banking strategy. Country-specific factors include customer benefits, the degree of competition and informal legal framework, among other things, a. This article focuses on retail banking strategies. The emphasis is on retail banking in the broadest sense of the word. In fact, many banks have re-discovered in the retail cost, which pays for the collapse, charges of operating and investing activities and the fall in stock prices over the last few years. In section two we begin with a brief summary of known trends in banking. Sections three to four focuses on domestic and international banking strategies, respectively. Both sections have the same statement. The first part describes the retail banking strategies in general. The second part of the business with strategic positioning of the Rabobank Group and explains how Rabobank Group with these general trends and challenges overcome. 2. General trends in European banking Which will be depositing the Europeans who pays the countryside, continue to experience dramatic change over the next few years (see McDonald. Trends affecting the banking industry include privatization, regulation and supervision, demographic factors, a technological innovation yet the EMU and the importance of propagating sustainable banking. The privatization of banks is high on the agenda in France, Germany and Italy. As the influence of government relations in competitive weight loss financial sector, and in the banking industry in particular, is experiencing significant change. Developments in regulation and supervision affect the banking industry through various Channels. It was not until deregulation of the financial sector will continue to eat away the barriers that deny access to the market for new suppliers of financial products. On the other hand, we see an increase in national legislation, particularly in the area of consumer protection. Regarding supervision, the new BIS capital adequacy rules, tremendous impact on the all banking business have. The combination of an aging population in Europe and financial constraints on state pensions will be a surge in filling retirement benefit plans to produce. These various developments are the implications for traditional forms of saving and, therefore, for the financing activities of banks have. In this respect, an analyst strong growth among institutional investors, including pension schemes before. 1. Does German bank Research for an analysis of banking strategies in European countries. 2. Argue that technological developments are fundamentally changing the cost structure, output mix and distribution channels of banks. Actually, he goes too far say that the developments in information technology the most fundamental force for change in the financial sector. Those procedures for deeper and more liquid markets resulting from EMU main euro will continue for some time. These will increasingly cheaper and easier for medium and large corporate do, raise money directly in these markets instead of borrowing from banks. Finally, the growing importance is sustainable banking is a tendency that can not be denied. Banks will judge on their apparent social and selected environmental responsibility by customers and investors. 3. All these driving forces behind the structural changes in the Europeans, pays the industry not only has an independent effect on the structure of the market, but also acts on each other and thus enhance can. These factors include far-reaching implications for the market structure, the characteristics, such as: concentration, capacity, competition, efficiency and profitability. There is competition among banks but also between banks and other things, the new financial intermediaries to be strengthened. 4. Internal strategy of costs in retail banking. This section describes strategies in general. The strategic vision and the election of the Rabobank Group are discussed in section 3.2. 3.1 Inside strategic options, strategies Deposit, improve performance, and grow in domestic markets, can in three Main categories are divided: To distinguish A. Cost reduction B. Income growth or organic C. Associations, and acquisitions and cost reduction frets A. Different costs, the strategies can reduce as regular as thin down, multi channeling, and outside-in and co-sourcing. Thin down refer to the assessments of banks of ways to improve their internal cost structure, and to increase efficiency. This takes place when economic conditions are unfavorable, and happens every few years. New elections are on priorities and the bands of the working staff is close been investigated by the bank. Other companies, banks tend to grow fat in prosperous times, is usually compensated for in an economic downturn. An additional driver for cost reduction is the current trend of changing distribution channels that are caused by ICT innovations. Banks will be forced to invest heavily in ICT to stay competitive. Most banks now use a multiple approach in guiding the distribution of their products and the maintenance of their customers. Use branches, telephone, ATM and Internet all at once. The public has a massive shot to the new (direct) channels, which have r educed the number of visits to the bank itself, the development of customer and a blueprint for the future. This change provides customers preferred a great opportunity to reduce the cost of relatively expensive branch network to. Many banks are therefore currently re-examining their distribution processes. However, ICT investments are high and therefore it is increasingly important for banks to organize their back offices in the most effective way. Sufficient scale to reduce unit, or transaction costs are the key. Banks can choose from several strategies to optimize their back office activities: co-sourcing, in sourcing to stock and white labeling off. Co-sourcing is the caterer of back office platform with another bank. In sourcing means the back office operations for other parties running in order to realize sufficient scale. Outsourcing is the order of activities and buying them back from other companies. White Label states the production of products for others, mostly non-financial parties without a label. 5. within organizations, can set up to scale economies of shared customer service centers are met. Shared customer centers show the interlocking of back office operations of several subsidiaries. They can be seen as an internal coor in sourcing initiatives. 6. This strategy is described under the income increases, the strategies. Technically speaking depend, is the preferred strategy Art sourcing mainly on the shape of cost curves for a certain product, the position of the bank on that curve, and the price of the option. 7. There are three hypothetical cost curves from the shape of the curves may differ for different products, because the relationship between fixed and Variablekosten varies per product. The curves do not necessarily show a continuous downward slope with wax volumes, since likely at some point need new investments to be treated, propagation, characterized scale. Theoretically, therefore, can lead insourcing, intuitive results counter: multiplying unit cost. The position of the cost curves can also differ between countries, which are the main driver behind the current trend of outsourcing ICT activities to low wage countries such as India. Expect 2 Hypothetical devel Strategies to Gain New Customers via Internet Banking Strategies to Gain New Customers via Internet Banking 1. Introduction It includes the following topics: a. A clear statement of the purpose of the thesis b. Reasons for the study c. Statement of problems d. Purpose of the study a. The purpose of the thesis: If students have to write their M.B.A theses, which make a large number of significant errors, this is the main reason why their projects return for audit. Disappointed and falls, they need to proofread and to work for their dissertations. It has taken so much time for them to write their dissertations, and now they should start from the exact beginning. I shall show you how to avoid failure in the basic thesis and is, as you know about this failure. The most important thing about the dissertation writing is that you should understand clearly the purpose of the letter. The main purpose of writing of a dissertation is to provide a student with an opportunity to discover something new in the field of investigation. If the student can lead a deep, wise and profound Research, and can draw a clear conclusion about his / her research with any discoveries that present in the final dissertation, he reached the end. One more important thing is to writing a thesis that you should know about th e latest discoveries in the field of investigation. That purpose, writing a dissertation, can be achieved through lectures and analysis of relevant sources thesis. A student should be aware of the position of the writer and should appreciate the critical position. There is no doubt that you will succeed in your dissertation, if you know the main purpose of writing a dissertation, which will be presented by me. Apply for M.B.A dissertation to get a piece of good advice. M.B.A dissertation is always willing to help you. For many courses forms part of a dissertation is to complete study for a degree. For some courses it is linked with work experience. It provides you with an opportunity to take a piece of individual research work and to really examine an aspect of the theme that you are studying closely. b. Reasons for the investigation: There are opportunities for the effective use of the Internet with regard to the banking industry. It is shown that may cause the appropriate application of todays cutting-edge technology at a significant competitive advantage for banks. This is illustrated by a scenario that focuses on the potentials of advising on the Internet. For many consumers, electronic banking means 24-hour access to redeem with an automated counter machine (ATMS), or direct deposit of paychecks for the checking or savings accounts. But electronic banking now involved many different types of negotiations. Electronic banking, also known as electronic funds transfer (EFT), uses computer and electronic technology as a replacement for paper checks and other negotiations. EFTS is initiated through devices like cards or codes that you can, or that you authorize to accesses your account. Many financial institutions use ATM or debit cards and personal identification numbers (NEEDLES) for this purpose. One uses other forms of payment cards such as those that require the most, your signature or a check. The federal Electronic Fund Transfer Act (EFT Act) covers some electronic consumer negotiations. Although Internet banking has been widely adopted in developed countries, there is a group of customers resisting the services. In other words, Internet banking, although proven to be a successful innovation is not yet adopted by the laggards have become, and therefore have all the expectations of banks did not hit. Therefore, the purpose of dissertation is to identify the reasons for the sales resistance to Internet banking. The special interest is to explore resistance among those who pay a customer who already has valid contracts for Internet, but preferably pays, pay their bills through ATMs. The goal is to identify the characteristics that generate resistance to Internet banking and their connections to values of individuals. To achieve the objective, 30 Finnish bank customers have used the detail ed Central finished interviewing approach and the laddering interviewing process. c. Statement of problems: To develop strategies for banks is to get people to pay online which was drawn a sample of 369 consumers from two universities in Kwazulu-Natal. Universities were chosen because they are an untapped e-commerce market segment. Workers at universities fit the profile of typical Internet users. Data were collected a used tissue based on survey. Statistical analysis has revealed that more men have used Internet banking than females. Automated telling machines custom was far greater than Internet banking usage. A large percentage of Internet bankers have used the service for burying account transfers and balance test / statements. Safety was the main issue for not paying in-line. Potential customers who have wanted guaranteed safety and loyalty rewards to get them to pay online. Internet banking has the potential to grow among tertiary institution workers. Some of the problems are explained below: Negotiation / Farms Explorers Risk Negotiation / edited risk arises holdings of dizziness, the error, system interruption, or other unexpected events that result in the inability of the institution to provide products or services. This risk exists in every product and service offered. The amount of the negotiated risk is influenced by the structure of the processing environment of the institution, including the types of services offered and the complexity of procedures and supporting technology. Credit Risk In general, the credit risk of a financial institution to mere fact not equal, that a loan will be produced by an e-banking channel. However, management should consider providing an effective management information systems, including assuring the performance of portfolios produced bear pursued through e-banking channels. LIQUIDITY, INTEREST RATE, PRICE / MARKET RISKS The Funding and investment-related risks could increase with the e-banking initiatives of an institution that depends on the volatility and judgmental of the acquired deposits. The Internet provides institutions with the ability to bring to the global market their products and services. On Internet-based advertising programs can effectively yield-focused investors with potentially high-adapted resulting deposits. But Internet-produced deposits have the potential to attract customers, which may focus exclusively on rates, and a source of funding with risk characteristics that are similar to deposits has provided care. An institution may, by this potential volatility and its extensive geographical reach agreement and deposit account control to open the practice of personal meetings and involve the exchange of paper correspondence is expected. COMPLIANCE / LEGAL RISK Compliance and legal issues arising from the rapid growth in usage of e-banking is based, and the differences between electronic and paper methods. E-banking is essentially a new delivery channel where the laws and rules that may govern the electronic delivery of certain financial institution products or services to be ambiguous or even developing. Governing laws and regulations, consumers bargaining, require specific types of disclosures, notes, recordings or tours of conditions. These conditions also apply to e-banking and federal banking agencies continue to update consumer laws and regulations, the impact of electronic banking and online customer relationships to reflect. STRATEGIC RISK A committee should understand the financial institution and manage the risks that are associated with e-banking services and the emerging risk management costs against the potential return on investment-bank Offered in essential services evaluated. Poor e-banking planning and investment decisions are to increase the strategic risk of a financial institution. Early adopters of the new e-banking services can be as forerunners who may expect to establish the needs of their customers, but by then incur higher costs and increased complexity in their decision. REPUTATION RISK One institution, e-banking services to offer, especially the more complex transactional services and significant increases in its level of reputation risk make risked. Some of the inputs, which e-banking affect the reputation of an institution may include, loss of confidence due to unauthorized activity on customer accounts disclosure or theft of confidential customer information to unauthorized parties(e.g. hackers), failure to marketing requirements, supply, failure to provide reliable service on the basis of the frequency, or duration of service interruption, customer complaints about the difficulty in e-banking practices and the inability of essential services desk to resolve problems, and confusion between services that are provided by the financial institution and the services which has been supplied by other businesses, which has been linked from the site. d. Purpose of Study E-Commerce revolutionized the way business is headed. New business models to replace outdated and organizations to think of business processes and customer relationship management strategies drafts. Banks are no exception to this transformation. This study examines the views of bankers on providing banking services to help customers use the tissue. Specifically, it speaks expenditure, such as the strategic need for Internet banking, its effect on client-bank relationships, and the experiences of customers in internet banking. Advantages of internet banking to banks I. Cost savings Orr (1999) states, the electronic processing dramatically reduce the cost per procedure, according DiDio (1998), the average transaction cost at a full service bank about $ 1.07. It reduced to $ 0.27 an ATMS and falls to a penny if the same transaction is conducted on the fabric. Also, there are opportunities for banks to hand over customer invoices electronically. The cost to deliver invoices to be electronically much lower than when the bill was in paper form, which has been delivered through the mail. Irvine (1999) states, the electronic bill presentation costs 40% less than paper delivery. These cost savings can offer customer pays, and similar reduced costs of the banking system and still provides effective and differentiated services. II. Loyal customers Loyal customers have in a new study that was conducted by Forrester Research, 61% of respondents claimed that if their banks offered financial services that they wanted, they would prefer the service of the Bank use. With this knowledge of the Offering consumers interest in mind to move banks, a hub of financial services including bill presentation and payment, financial planning, estate planning, insurance, loans, and brokerage services. The Internet allows for these converging financial services not previously available in one central location. III. Offer additional services Do you offer additional services as mentioned above, to move many banks to offer customers a financial portal? This portal concept offers banks a new role in the business of serving customers. Simply an Internet presence has not supplied one income stream banks. However, by offering a wide array of products and services that can benefit from internet banking integration. By creating financial portal where consumers can manage a wide range of financial activities, such as stocks and mortgages, banks can benefit from offering Internet capabilities to help customers (Wah, 1999). IV. Internet Profit Generation E-commerce, if properly integrated into existing banking operations can lead to significant cost savings and higher profitability. Find cost savings due to automate customer negotiations, such as fund transfers, payments, account balance inquiries etc. Strategic alliances with insurance companies, mortgage companies and stock brokerage firms can lead to additional business opportunities that will otherwise go unfulfilled. In addition, banks can retain customers more effectively if offering services, the value-addition are. High-profit customers, which some studies suggest that entice the demographic of internet banking customers. Wells Fargo Bank online customers have an annual median income of $ 75,000 with higher education levels than the average wells Fargo customer (Hoffman, 1999a). Also this group of customers is more profitable than the bricks-and-mortar counterparts. They generate 50% more income than the average wells Fargo customer, holds a 20% increase in balance, yet uses 50% product, and its wear rate is 50% of the total wear rate. Furthermore, on average, it costs 14% less compared to those customers bricks-and-mortar customers (Time well and Kung, wait 1999). Advantages of internet banking to consumers A. Cost savings Cyberspace is cheaper to operate than brick and mortar structure, and this cost advantage can often be further passed to consumers. The Internet Banking cost structure allows consumers to receive cost savings, and financial benefits for depositing online. A comparison of the (e-banking) and depositing one (parent bank a brick and mortar bank) offers an illustration of this point. For checking accounts Wingspan offers an interest rate of 4.5% interest, which is compared, one1%deposit.It also offers more options begins in the mortgage and insurance, with 60 loaning companies and 15 insurance salesmen. It also offers customers an advantage over to his parent in the field of electronic bill payment, which offers the service for no extra charge, while depositing, one invites $ 4.95 per month (, 1999). B. Access to additional services On Basic transactional web sites allows customers to check account adjustments, possession and new banking statements. Systems that allow customers to initiate negotiations on-line, such as transferring money between accounts or making payments, provides customers additional benefits. These elevated sites allow customers to pay bills to request and review loans and mortgages, credit cards and checking accounts. The financial institutions that offer extensive online services, well, are set to be a leader (Hickman, 1999). By offering this great umbrella of the service trust of one who pays the institution, these companies can save a larger share of the financial transaction from a customer. C. A good shopping stop: Banks, adds real time loan applications, added the ability to make IRA investments, the opportunity to trade shares through their websites. The tendency for flocking that is pays predicted to shape the future of Internet banking on. This concept of one-stop shopping is convenient and leads to more satisfied customers. 2. Literature review In literature review I shall discuss the following: a) Critical review of the literature as Use of relevant literature b) Evidence of understanding the ideas expressed c) Develop a critical focus Critical Review of the literature: Paying online or Internet offers consumers and business like the convenience of managing banking and financial responsibilities of home A. Online banking can also be a lifeline for those who can not leave his house, or may live in rural areas where access can be restricted to banks. To be able to check your bank, savings and justify Digital Banking customers have a range of internet banks have to meet those needs to ensure customer loyalty. Consequently, change Internet banking services in general, and on finding feedback paid online services are important to this book. Our investigations of online banks allow you to compare internet banks and to find the best service that is available with investigations of Lloyd internet banking, a paid online, a HSBC and Barclays internet charges among others. If you are Internet banking, please send us your internet, the review and makes known repaying us your thoughts and experiences of the personal Internet banking INTERNET BANKING SERVICES AND FEATURES i. Checking your balance and statements online ii. Fund Transfers iii. Bill Payments iv. Managing savings and current account v. Cards service vi. Order cheque and books request vii. Please ask for stop cheque payments viii. Fixed Deposit accommodation ix. Requested by the Statement Internet distribution strategy decisions These are the key strategic decisions for e-marketing with strategic choices for traditional marketing. They engage in selective target customer groups and giving, how to deliver value to these groups. Segmentation that aim is to have differentiation and positioning of the entire key to effective digital marketing; the main thrust of the e-marketing strategy is takes decisions on the selective targeting of client groups and different forms of value delivery for online channels. It is a similar issue with e-buyer strategies see link at the footer of the article. In an e-marketing context, we can say: a. E-marketing strategy is a channel strategy. b. Specific e-marketing objectives must be set adoption rate of e-channels have been compared to other channels for different audiences. c. E-channel strategies thrive on creating a different value for all parties to a negotiated. d. But E-channel does not exist in isolation, so we still need to manage channel integration, and acknowledges that the adoption of e-channels will not be suitable for all products or services or generates sufficient value for all partners. Thus E-marketing strategy is defined as we should: a) Communicate the benefits of using e-channel. b) Guide Put priority on public or partners for e-channel adoption of third targeted. Set priority products and has sold through e-channel purchased. c) Achieve our goals through e-channel tactics for online customer acquisition, conversion (conspiracy) and retention. A strategic option exists to replicate offline segmentation, which aims at a differentiated manner, and in the online channels. While this is relatively easy to run the company will likely lose market share, compared with more nimble competitors who modify their approach to online channels. An example of a strategy makes no grocery shopping, where some pet shops have released to all parts of the country or not, not providing the service in general. These supermarkets will lose customers to the most enthusiastic adopters of online channels, such as Tesco and Sainsbury; the victory will be difficult to be back sides in future. Segmentation / strategy aimed at company online customers have different demographic characteristics, needs and offline behavior to its customers. It follows that different approaches may be required to segmentation, and specific sectors may be choosy need to be targeted. The manner / the online product differentiation strategy competitors and service offerings are often different in the online environment. Develop a suitable online value proposition is as below describe an important aspect of this strategy. Has many examples of online information is based on the lower costs achieved distinction in and retaining online customers, which are then passed to customers. Examples include: Retailers offering lower prices online. For example Tesco (price promotions on selected products), Comet (discounted when compared to in store on some products) Lower cost airlines offers flights to online bookings. Examples: easy Jet, Ryan air, BA. Financial services firms offering higher interest rates on savings products, its lower interest rates on credit products such as credit cards and loans. Examples: Nationally, federal and Leicester. Mobile phone network provider or Utilities, the lower cost of fares or discounts offered for customer accounts that are managed online paperless billing. Examples: O2, British Gas. Other options for differentiation are available on-line for companies where their products are not suitable for sale online, such as high value or complex products or FMCG brands sold by retailers. These companies may use online to add the brand or the product value by provide additional value services or different types of experience. 1. Online CRM strategy: It will focus on various aspects of the customer life cycle for online customers in terms of: Acquisitions Strategies, attract new customers to a company, and existing customers about online channels, to migrate. Separate targets should be set for each. Retention using online channels proliferate, retention, and value of the customer company. Reactivation encouraging continued use of online channels from customers that have passed, for example, had online or home shopping service, buys the service, but has now stopped. This may be driven by setting targets for% active customers. Customer knowledge (familiarity) learning more about the customer through profiling and monitoring of behavior. 2. Online value proposition strategy: It defines the value proposal for the acquisition and retention, engage with customers is online. Close communicative and promotional incentives which use to encourage trial. Program also defines the value creation through time for example, white papers are available for example monthly or seasonal sales promotions made. 3. Online has targeted range strategy. Objective: Communicate with relevant online audiences to achieve communication goals. The communications typically include: building brand awareness and favorability build impulsive online purchase, growing offline purchase intent, list or migrating existing customers to online channels. Focus: New customer acquisition: Communication strategy with selected sections of online customers through media buying, PR, is to sending e-mail, viral campaigns and sponsorship or partnership arrangements. Driven by goals of the online audience is share and number of visitors placed in different sections. The strategy may involve: A. To drive visitors to the company office B. To achieves brand awareness and interactions on third sites. C. Building brand awareness, favorability and purchase intent on third may be a more effective strategy for low participation FMCG brands, where it will be difficult to encourage visitors to the site. D. Offline has targeted range strategy. Encourage Target: Potential customers who use online channels that Visit site and performed where relevant. Focus: New customer acquisition and migration of existing customers online. Strategy to communicate with selected customers, divide by offline direct marketing, media buying, PR and sponsorship, driven by goals of the online audience share and number of visitors placed in different sections. E. Offline Sales Impact Objective Strategy: Use on-line communications, sales achieved by offline channels. Focus: Achieving sales off-line (new or existing customers may be defined) strategy, such as on-line communications through the website and the e-mail offline sales i.e. influenced by phone, mail or in-shop can. F. Online Sales Efficiency Strategy Objective: Job visitors turn to buy Focus: Achievement sales online (may encourage new or existing customers to be) For transactional e-commerce jobs, a strategy that point visitors to purchase online mercantile, promotions, etc. For other types of agencies multiplying conversion factors leads. As part of this strategy options to convert visitors to action, exploring reduce (or attribution installments) is, i.e. first-time buyer promotions, job design improvements, website and landing page optimization. Triggered event, has e-mails are used automatically to convert potential sales to sales. Introduction: Although cost in retail banking in Europe is confronted with quite similar challenges and changes that are changing responses considerable. 1. This shows the changes in the strategic orientation: Which are apart from walking organization structures by individual banks and different characteristics of national markets? The operating authority and the capitalization of banks play an important role in the selection of a suitable banking strategy. Country-specific factors include customer benefits, the degree of competition and informal legal framework, among other things, a. This article focuses on retail banking strategies. The emphasis is on retail banking in the broadest sense of the word. In fact, many banks have re-discovered in the retail cost, which pays for the collapse, charges of operating and investing activities and the fall in stock prices over the last few years. In section two we begin with a brief summary of known trends in banking. Sections three to four focuses on domestic and international banking strategies, respectively. Both sections have the same statement. The first part describes the retail banking strategies in general. The second part of the business with strategic positioning of the Rabobank Group and explains how Rabobank Group with these general trends and challenges overcome. 2. General trends in European banking Which will be depositing the Europeans who pays the countryside, continue to experience dramatic change over the next few years (see McDonald. Trends affecting the banking industry include privatization, regulation and supervision, demographic factors, a technological innovation yet the EMU and the importance of propagating sustainable banking. The privatization of banks is high on the agenda in France, Germany and Italy. As the influence of government relations in competitive weight loss financial sector, and in the banking industry in particular, is experiencing significant change. Developments in regulation and supervision affect the banking industry through various Channels. It was not until deregulation of the financial sector will continue to eat away the barriers that deny access to the market for new suppliers of financial products. On the other hand, we see an increase in national legislation, particularly in the area of consumer protection. Regarding supervision, the new BIS capital adequacy rules, tremendous impact on the all banking business have. The combination of an aging population in Europe and financial constraints on state pensions will be a surge in filling retirement benefit plans to produce. These various developments are the implications for traditional forms of saving and, therefore, for the financing activities of banks have. In this respect, an analyst strong growth among institutional investors, including pension schemes before. 1. Does German bank Research for an analysis of banking strategies in European countries. 2. Argue that technological developments are fundamentally changing the cost structure, output mix and distribution channels of banks. Actually, he goes too far say that the developments in information technology the most fundamental force for change in the financial sector. Those procedures for deeper and more liquid markets resulting from EMU main euro will continue for some time. These will increasingly cheaper and easier for medium and large corporate do, raise money directly in these markets instead of borrowing from banks. Finally, the growing importance is sustainable banking is a tendency that can not be denied. Banks will judge on their apparent social and selected environmental responsibility by customers and investors. 3. All these driving forces behind the structural changes in the Europeans, pays the industry not only has an independent effect on the structure of the market, but also acts on each other and thus enhance can. These factors include far-reaching implications for the market structure, the characteristics, such as: concentration, capacity, competition, efficiency and profitability. There is competition among banks but also between banks and other things, the new financial intermediaries to be strengthened. 4. Internal strategy of costs in retail banking. This section describes strategies in general. The strategic vision and the election of the Rabobank Group are discussed in section 3.2. 3.1 Inside strategic options, strategies Deposit, improve performance, and grow in domestic markets, can in three Main categories are divided: To distinguish A. Cost reduction B. Income growth or organic C. Associations, and acquisitions and cost reduction frets A. Different costs, the strategies can reduce as regular as thin down, multi channeling, and outside-in and co-sourcing. Thin down refer to the assessments of banks of ways to improve their internal cost structure, and to increase efficiency. This takes place when economic conditions are unfavorable, and happens every few years. New elections are on priorities and the bands of the working staff is close been investigated by the bank. Other companies, banks tend to grow fat in prosperous times, is usually compensated for in an economic downturn. An additional driver for cost reduction is the current trend of changing distribution channels that are caused by ICT innovations. Banks will be forced to invest heavily in ICT to stay competitive. Most banks now use a multiple approach in guiding the distribution of their products and the maintenance of their customers. Use branches, telephone, ATM and Internet all at once. The public has a massive shot to the new (direct) channels, which have r educed the number of visits to the bank itself, the development of customer and a blueprint for the future. This change provides customers preferred a great opportunity to reduce the cost of relatively expensive branch network to. Many banks are therefore currently re-examining their distribution processes. However, ICT investments are high and therefore it is increasingly important for banks to organize their back offices in the most effective way. Sufficient scale to reduce unit, or transaction costs are the key. Banks can choose from several strategies to optimize their back office activities: co-sourcing, in sourcing to stock and white labeling off. Co-sourcing is the caterer of back office platform with another bank. In sourcing means the back office operations for other parties running in order to realize sufficient scale. Outsourcing is the order of activities and buying them back from other companies. White Label states the production of products for others, mostly non-financial parties without a label. 5. within organizations, can set up to scale economies of shared customer service centers are met. Shared customer centers show the interlocking of back office operations of several subsidiaries. They can be seen as an internal coor in sourcing initiatives. 6. This strategy is described under the income increases, the strategies. Technically speaking depend, is the preferred strategy Art sourcing mainly on the shape of cost curves for a certain product, the position of the bank on that curve, and the price of the option. 7. There are three hypothetical cost curves from the shape of the curves may differ for different products, because the relationship between fixed and Variablekosten varies per product. The curves do not necessarily show a continuous downward slope with wax volumes, since likely at some point need new investments to be treated, propagation, characterized scale. Theoretically, therefore, can lead insourcing, intuitive results counter: multiplying unit cost. The position of the cost curves can also differ between countries, which are the main driver behind the current trend of outsourcing ICT activities to low wage countries such as India. Expect 2 Hypothetical devel