Online Banking Research Proposal Example | Topics and Well Written Essays - 3000 words

Online Banking - Research Proposal Example Several studies have been conducted to with an aim of showing trends in the adoption of internet banking among adults and different geographic areas. Online banking services and products include both wholesale and retail products. Wholesale products are generally meant for corporate customers while retail and fiduciary products are meant for consumers. Online banking has become a popular and safe way for individuals, institutions and organizations to stay connected with their bank accounts. Online banking is mostly preferred above over-the-counter-banking since it is cheap and it offers the flexibility that is desired by clients (Hossein, 2004). It however also remains a high-risk subject considering that frauds are more easily conducted online and over remote distances than when banking activities are conducted offline. While several studies have been conducted on online banking, there is a clear gap that needs to be filled; how do different gender relate to internet banking. This study is therefore aimed at finding how different sexes respond to online banking. Of great interest is the ratio of online banking users in terms of gender, the specific services that are preferred by each sex and for what reasons other services are not preferred. Today's internet banking has succeeded distance banking services that were conducted electronically during the early 80s. The term online banking was commonly adapted inn the late 1980s to refer to the use of keyboard, monitor and a terminal to access the electronic banking system using a phone line. It was in New York in 1981 that online banking services began. The city's major banks Chase Manhattan, Citibank, Manufacturers and Chemical offered home banking services by use of the videotext system. United Kingdom's first online banking service was established by NBS (Nottingham Building Society) in 1983. The online system was based on the Prestel system, a television set, a computer and a telephone system. The system allowed viewing of statements online, bill payments, and bank transfers (John, Levine & Carol, 2007). In order for bill payment and bank transfers to be effected, written instructions had to be first sent to the NBS who then updated the Homelink system of the intended transaction. Many banks today offer secure, fully functional internet banking for a small fee or sometimes even free of charge. As online banking

Lipstick sales in the Recession Thesis Example | Topics and Well Written Essays - 4250 words

Lipstick sales in the Recession - Thesis Example Women although consider lipstick an essential but purchase it as a luxury to give themselves satisfaction. The results of the research have been supported by economic theories of Keynes, the income effect, the lipstick index and the elasticity of income theories. The results defy the substitution effect and basic economic theory of demand and supply. An interesting point is that lipstick sales are being depended upon to assess recession however, the trend of buying lipstick is changing and women are substituting it for lip gloss. Thus the question arises as to how much can the lipstick index be relied upon or whether the theory should be revised to include a certain pool of cosmetics for the theory to be more dependable. Recession has the global market and the economic conditions are deteriorating both in the developed and developing countries. The unemployment rate is increasing and the purchasing power of consumers is shrinking (CBS News 2008). Consumers now have to make choices and switch to cheaper commodities. Most cannot afford to purchase the luxuries they could afford in pre-recession times. Thus the overall prices of all goods are increasing due to inflation and according to the law of economics the demand for all products should decrease (CBS News 2008). However, as per Keynes (2009) there are certain products whose demand and supply rises in recession which is against the economic law. Lipstick is one of these products as its demand rises with the recession and increase in prices. The research focuses on why the demand of lipstick rises even with the increase in prices. So much so, that the sales of lipstick are used to indicate the recession patterns and to know whether recession has set in or not. The greater the sales, the more the recession. In the makeup industry the lipstick index is ardently used to see the recession progress. At the same time, it is also

Critical response Essay Example | Topics and Well Written Essays - 250 words

Critical response - Essay Example As it was the fate of Jordan (and of many other women), they are pushed to the wall because they seem to live with people that do not appreciate them (June 361). Really, in some cases, some women even become the breadwinners in their home. They are given so much responsibility and much is expected from them, but they are never really appreciated. While reading it, one would easily notice Jordan’s unique manner of narration—the way she transposes between the past and the present. One is inevitably led to believe that the connection between her past and present is undeniable. Of course, the experiences she narrates are not just her but also those of marginalised women all over the world, not just Africans and those that have African root. Thus, June Jordan’s essay effective serves one of the purposes of literature which to creatively represent the (unvoiced) ideal and â€Å"unideals† of people. It must be noted that June Jordan is not the first person to write on these issues. One other person that has written on it is Alice Walker (Walker 7). Like Jordan, many of what one reads in Walker’s works is not just her but about many others like her. So, â€Å"Many Rivers to Cross† by June Jordan deserves lots of commendation but no one should ever make the mistake of thinking it is just the story of African or Africa-American

Memorandum of Law Case Study Example | Topics and Well Written Essays - 2000 words

Memorandum of Law - Case Study Example Likewise if he goes on to the wrong side of the road. It is no answer for him to say: 'I was a learner driver under instruction. I was doing my best and could not help it.' The civil law permits no such excuse. It requires of him the same standard of care as of any other driver. 'It eliminates the personal equation and is independent of the idiosyncrasies of the particular person whose conduct is in question.' The learner driver may be doing his best, but his incompetent best is not good enough. He must drive in as good a manner as a driver of skill, experience and care, who is sound in wind and limb, who makes no errors of judgment, has good eyesight and hearing, and is free from any infirmity."3 Applying the same principle to the instant case, the biker must, whether or not she is driving a car or a bicycle or motorcycle, whether in a road, highway, street, or bicycle path in a local park, as a driver drive in as good a manner as a driver of skill, experience and care, sound in win d and limb, who makes no errors of judgment, has good eyesight and hearing, and is free from any infirmity. ... er had been exchanging text messages on his mobile phone, and that it had been the driver's inattention through using his mobile phone that caused the accident. Likewise, in the case of R. v Payne (John),5 it was ruled that the driver was rightfully convicted because the driver allowed himself to be distracted whilst driving.6 In the case of the biker, he was not watching where he was going and has in fact been reprimanded by Cost Price Courier's on several occasions for failure to adhere to traffic regulations. Hence, the biker was negligent in his driving and in breach of his duty of care as a driver. Causation. To be able to claim against the for personal injury and/or damage to property under the law of tort and against the doctor for professional negligence, it is imperative for the boy and his parents to establish causation. There is causation when both factual causation and legal causation are present. Factual causation refers to the nexus between the defendant's action and the claimant's damage (the 'but for' test) while legal causation refers to the break or 'novus actus' in the chain of causation. Applying the 'but for' test applied by Lord Denning in Cork v Kirby MacLean [1952], and illustrated in Barnett v Chelsea and Kensington Hospital Management Committee [1969], the boy would not have suffered personal injury (head injuries and brain damage) and damage to property (probably his skateboard) but for failure of the biker to drive properly and carefully considering that he was not looking where he was going and that he has been repeatedly reprimanded by his employer on s everal occasions for failure to adhere to traffic regulations. The boy and the parents could argue that there is no evidence of a 'novus actus' breaking the chain of causation. The biker is

Take your own moral values on abortion (pro-life) and compare them to Assignment

Take your own moral values on abortion (pro-life) and compare them to the social work ethics and core values - Assignment Example It is interesting in this situation to look at a person’s own biases and prejudices while dealing with this issue. Since every person is situated in a society and can be looked at as a product of the history of that society, it is safe to assume that prejudices would be a part of every person. There needs to thus, be a conscious effort to rid oneself of the prejudices that are a part of one’s mind. It is here that one sees the importance of a code of ethics as laid down by the National Association of Social Workers. This paper shall look at the articles of this code and how it helps one to rid oneself of many a prejudice and work towards a more harmonious society. The code of ethics according to the NASW demands that people who are social workers accept the cultural changes that are a part of today’s society and learn to live in harmony without intentionally or otherwise, causing any damage to the sentiments of others. It is in this context that the issue of abortion becomes a huge issue that becomes difficult for people to grapple with. Any stand that is taken at present seems to be in violation of the beliefs of certain groups, as far as abortion is concerned. This is however, applicable only for those groups that advocate a complete ban on abortion or complete freedom. As in most issues of a multicultural society, the middle path would be the intelligent route to take in this matter. This is especially so since it tends to divide people into watertight compartments even at a political level where it becomes a major issue in pre-electoral times. This lack of discrimination is exhorted to be practiced as can be seen in this part of th e code of ethics- â€Å"Social workers should obtain education about and seek to understand the nature of social diversity and oppression with respect to race, ethnicity, national origin, color, sex, sexual orientation, gender identity or expression,

Evolution of Color Vision in Mammals Essay Example | Topics and Well Written Essays - 1000 words

Evolution of Color Vision in Mammals - Essay Example Along with visual system alterations, these changes have caused significant differences in the salience and nature of mammal color vision (Schwab et al 11). This paper will seek to discuss how color vision has evolved in mammals, especially with regards to marsupials, dolphins, and primates, discussing the relevant biological mechanisms, color vision utility, and variations in color vision among the listed mammals. Majority of mammals are not able to distinguish color at all, instead living in a sort of black and white environment. Primates and marsupials are among the few mammals that can distinguish colors, which is proved by the distinct cells present in their retinas that are able to visualize colors (Schwab et al 23). Cone cells are fundamental in the ability to distinguish colors, thus color vision, while rod cells are found in animals that do not have the ability for color vision. Majority of mammals only possess the rod cells, except primates and marsupials. ... There are only two types of rods; one that has a short wavelength sensation, which enables it to sense blue color, and another for long wavelength sensation that allows it to sense for red color (Schwab et al 24). Color vision evolved from a vision in black and white with long wavelength sensing rods separated into red cones that sense red color and green cones that sense green color. Marsupials have also been found to have three forms of cones. As might be expected, color vision evolution in marsupials was distinct from the evolution of color vision in primates. This led to some distinct differences. The three cones that marsupials possess are not blue, red, and green. Rather, they are ultra violet, blue, and red because the rods for short wavelength sensing separated into ultra violet and blue cones (Gegenfurtner et al 44). However, as of today, no one knows what color sensations these cones have. The only way to find out something about marsupial vision is through behavioral testi ng. The quendka and cathemeral dunnart marsupials have trichromatic vision that is different to that of primates since their S-cones can sense UV light, whereas the L-cones of the fat-tailed dunnart have a special sensitivity for the spectral region in the green-yellow region. It has been hypothesized that the L and M cones combine to allow for sensing of brown and cryptically colored green. For the honey possum, the L-cones evolved to a further length than for fellow marsupials that conferred yellow-red sensitivity (Gegenfurtner et al 44). Color vision evolution for primates differs greatly compared to other eutharians. Primates are thought to

Take your own moral values on abortion (pro-life) and compare them to Assignment

Take your own moral values on abortion (pro-life) and compare them to the social work ethics and core values - Assignment Example It is interesting in this situation to look at a person’s own biases and prejudices while dealing with this issue. Since every person is situated in a society and can be looked at as a product of the history of that society, it is safe to assume that prejudices would be a part of every person. There needs to thus, be a conscious effort to rid oneself of the prejudices that are a part of one’s mind. It is here that one sees the importance of a code of ethics as laid down by the National Association of Social Workers. This paper shall look at the articles of this code and how it helps one to rid oneself of many a prejudice and work towards a more harmonious society. The code of ethics according to the NASW demands that people who are social workers accept the cultural changes that are a part of today’s society and learn to live in harmony without intentionally or otherwise, causing any damage to the sentiments of others. It is in this context that the issue of abortion becomes a huge issue that becomes difficult for people to grapple with. Any stand that is taken at present seems to be in violation of the beliefs of certain groups, as far as abortion is concerned. This is however, applicable only for those groups that advocate a complete ban on abortion or complete freedom. As in most issues of a multicultural society, the middle path would be the intelligent route to take in this matter. This is especially so since it tends to divide people into watertight compartments even at a political level where it becomes a major issue in pre-electoral times. This lack of discrimination is exhorted to be practiced as can be seen in this part of th e code of ethics- â€Å"Social workers should obtain education about and seek to understand the nature of social diversity and oppression with respect to race, ethnicity, national origin, color, sex, sexual orientation, gender identity or expression,