Friday, December 27, 2019
AUTOMATED TELLER MACHINE Abstract - An automated teller machine, also known as an automatic teller machine that enables the customers of a financial institution to perform financial transactions, particularly cash withdrawal, without the need for a human cashier, clerk. Introduction - An automated teller machine (ATM) is an electronic banking outlet, which allows customers to complete basic transactions without the aid of a branch representative or teller. Anyone with a credit card or debit card can access most ATMs. The first ATM appeared in London in 1967, and in less than 50 years, ATMs spread around the globe, securing a presence in every major country and even tiny little island nations such as Kiribati and the Federated States ofÃ¢â¬ ¦show more contentÃ¢â¬ ¦There are two types of ATM installations: on- and off-premises. On-premises ATMs are typically more advanced, multi-function machines that complement a bank branch s capabilities, and are thus more expensive. Off-premises machines are deployed by financial institutions and Independent Sales Organizations (ISOs) where there is a simple need for cash, so they are generally cheaper single function devices. Most ATMs are connected to interbank networks, enabling people to withdraw and deposit money from machines not belonging to the bank where they have their accounts or in the countries where their accounts are held (enabling cash withdrawals in local currency). Some examples of interbank networks include NYCE, PULSE, PLUS, Cirrus, AFFN, Interact, Interswitch, STAR, LINK, Mega Link and Banc Net. ATMs rely on authorisation of a financial transaction by the card issuer or other authorising institution on a communications network. This is often performed through an ISO 8583 messaging system. Many banks charge ATM usage fees. In some cases, these fees are charged solely to users who are not customers of the bank where the ATM is installed; in other cases, they apply to all users. An ATM is typically made up of the following devices: CPU (to control the user interface and transaction devices) Magnetic or chip card reader (to identify the customer) PIN pad EEP4 (similar in layout to a touch tone or calculator keypad), manufactured as part of a secureShow MoreRelatedEssay Bank Accounting Information System And Electronic Banking4510 Words Ã |Ã 19 Pages Bank Accounting Information System And Electronic Banking Introduction Ã Ã Ã Ã Ã Information technology has had as much impact on our society as the industrial revolution. In the information age, companies are finding that success or failure is increasingly dependent on their management and use of information. Therefore, companies need a good information system that enabled an efficient and effective use of information to give them more competitive advantage (Moscove, Simkin, Bagranoff, 1999)Read MoreBank Accounting Information System and Electronic Banking4609 Words Ã |Ã 19 Pagesin other companies that is to provide financial and non-financial information to the companys external parties (such as investors, creditors, and tax agencies) and internal parties (principally management). However, due to the characteristics of banking business, banks AIS have specific important features related to their liquidity management and the management of their customers accounts information. A bank has to manage its liquidity efficiently in order to maximize profit and to fulfil regulationRead MoreImpact Of Electronic Banking On Customer Satisfaction And Bank Profitability Essay1817 Words Ã |Ã 8 PagesUniversity Impact of Electronic Banking products to customer satisfaction and bank profitability Ishmael Sillah Number 9 CIS 500 10-28-2016 Abstract In the world today, majority of the work we perform in our different organisations are done with the use of technology. These technological products have been one main reason why most organisations are successful and efficient in their line of business today. Previously in the banking industry, traditional banking (i.e Brick and mortar/Branches)Read MoreDigital Indi Challenges Of Data Mining Essay1387 Words Ã |Ã 6 Pagesventures and how they are being utilized in the current scenario. E- Commerce (Electronic- Commerce) has made it possible for business to give advertisement along with features and price- tag of products using computers. All organizations are setting for E-commerce as it is simple, secured and efficient. Moreover it standardizes organization in present competitive market. E- Commerce is used to handle electronic commerce. It is the latest trend for commerce. InductionRead MoreImpact of Ict on Accounting Practice in Nigeria1663 Words Ã |Ã 7 Pageswithin management accounting and Information system is coming alive with the advent of Information and Communication Technology (ICT), such as Enterprise Resource Planning (ERS) system, software and ancillary equipment such as Automated Teller Machine (ATM), debit cards, electronic commerce, computer hardware, database, internet, intranets, Extranet, Telecommunication, Oracle, Structural Adjusted Program (SAP), Peachtree, Tax Software(Turbo Tax) and Statistical Package for Social Sciences (SPSS).Ã Ã Ã Ã Ã Ã Ã Ã Ã Ã Ã Ã Read MoreComputer Application in Banking3721 Words Ã |Ã 15 Pagesmany ways, e-banking is not unlike traditional payment, inquiry, and information processing systems, differing only in that it utilizes a different delivery channel. Any decision to adopt e-banking is normally influenced by a number of factors. These include customer service enhancement and competitive costs, all of which motivate banks to assess their electronic commerce strategies. The benefits of e-banking are widely known and will only be summarized briefly in this document. E-banking can improveRead MoreCustomer Satisfaction of ATM Service8499 Words Ã |Ã 34 PagesCustomer Satisfaction of ATM Service: A Case Study of HSBC ATM Dr. Md. Rafiqul Islam Dr. Samir Kumar Sheel Pallab Kumar Biswas * Abstract: The Automated Teller Machine (ATM) is one type of innovation that can mechanically accept deposits, issue withdrawals, transfer funds between accounts, collect bills, and make small loans. This study aims at investigating the satisfaction levels of HSBC ATM cardholders (both staff and nonstaff) with respect to various aspects (promptness of card delivery, theRead MoreImpact of Ict on the Performance of Banks. a Case Study of Barclays Bank Ghana17017 Words Ã |Ã 69 Pages..............................................................IV Table of Content v Preamble 7 CHAPTER 1 OVERVIEW OF THE IMPACT OF ICT ON BANKS 12 1.1 Electronic BankingÃ¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦Ã¢â¬ ¦.....12 1.2 The Concept and definition of ICT.....................................................................................13 1.3 ICT in Banking Operations..................................................................................................16 1.4 Information and Communication TechnologyRead MoreThe Role of Ict in Banking Operations13419 Words Ã |Ã 54 PagesTHE ROLE OF ICT IN BANKING OPERATIONS CHAPTER ONE INTRODUCTION 1.1 BACKGROUND OF THE STUDY The Nigerian banking system has undergone remarkable changes over the years, in terms of the number of institutions, ownership structure, as well as depth and breadth of operations. These changes have been influenced largely by challenges posed by deregulation of the financial sector, globalization of operations, technological innovations and adoption of supervisory and prudential requirements that conformRead MoreElectronic Banking And Service Delivery2765 Words Ã |Ã 12 PagesELECTRONIC BANKING AND SERVICE DELIVERY IN COMMERICAL BANKS BY: MUHAMMAD SAQLAIN VSS 3372 FEBRUARY 2015 ACRONYMS ATMS Automated Teller Machines B2B Business-To-Business EFT Electronic Banking, Also Known As Electronic Fund Transfer FA Factor Analysis IMC Integrated Marketing Communications IVR Interactive Voice Response PINS Personal Identification Numbers PLCC Pearson Linear Correlation
Thursday, December 19, 2019
A word has started to appear in discussions of driving. The word is distracted. It refers to drivers who pay more attention to their cell phones, or their text messages, than they do to driving. The results can be fatal. One of the most common distractions today is texting. Each day in the United States, 9 people are killed and more than 1,060 people are injured in crashes that are reported to involve a distracted driver (Center). A couple of months ago, I and a friend were sitting at a red light waiting on green. We were talking about making plans for later that evening. We decided what to do as soon as the light turned green, we waited on the car in front of us to ease off the line. Then we were hit. This turned into a five car pileup.Ã¢â¬ ¦show more contentÃ¢â¬ ¦Today, texting while driving out numbers the amount of drunk driving according to the National Highway Traffic Safety Administration. Texting while driving is six times more likely to cause a wreck than drunk driving. Yo u are 23 times more likely to wreck if you are texting. Texting while driving is equal to driving bind for 5 seconds each text. Out of the worldsÃ¢â¬â¢ population of over 7 billion, at any given moment all over the world, over 800,000 drivers are texting. Drivers think they can handle looking away for a second to reply, or read a message. By doing this you are decreasing your break reaction time by 18% (national). Ã¢â¬Å"The concentration needed for safe driving makes texting safely at the same time impossibleÃ¢â¬ (Bratsis 70). According to the Center for Disease Control and Prevention, (C.D.C.) In 2010, 10,228 people were killed in alcohol-impaired driving crashes, accounting for nearly one-third (31%) of all traffic-related deaths in the United States. Of the 1,210 traffic deaths among children ages 0 to 14 years in 2010, 211 (17%) involved an alcohol-impaired driver. Of the 211 child passengers ages 14 and younger who died in alcohol-impaired driving crashes in 2010, over half (131) were riding in the vehicle with the alcohol-impaired driver. In 2010, over 1.4 million drivers were arrested for driving under the influence of alcohol or narcotics. That is one percent of the 112 million self-reported episodes of alcohol-impaired driving among U.S. adults each year.Show MoreRelatedCause and Effects of Texting While Driving1260 Words Ã |Ã 6 PagesÃ¯ » ¿ Cause and Effects of Texting While Driving Texting while driving is a major issue affecting todayÃ¢â¬â¢s society. Texting has grown to be one of the biggest forms of communication among people, despite the fact that some of these messages might be sent from behind the wheel of a moving vehicle. As a result, distracted driving often occurs removing the main objective a driver should be focusing on; the road ahead. Texting-related vehicular accidents and fatalities have caused a majority of statesRead MoreTexting And Driving Is A Growing Problem1736 Words Ã |Ã 7 PagesTexting and Driving In 2012, Texas college student Chance Bothe was texting that he needed to stop texting because he said that he could die in a car accident (Zafar, 2012). He was driving at the same time, causing him to drive into a cliff. He miraculously survived but not without serious injuries Ã¢â¬â traumatic brain injuries, a fractured skull, a crushed face and a broken neck (Zafar, 2012). In 2013, 19-year old Elizabeth Haley Meyers was on her way to Royal Farms in Maryland when she hit 30-yearRead MoreEssay Accidents Caused by Texting and Driving 706 Words Ã |Ã 3 Pagesnumber of teens texting while driving has risen . Researchers at Cohen Childrens Medical Center New Hyde Park estimated 3,000 annual teen deaths nationwide from texting and 300,000 injuries (Ricks). This is more than the number of teens who drink and drive. In comparison, 2,700 teens die from drinking and driving. Because of texting and driving, there has been an increase car crashes, teen injuries and teen deaths. First, car crashes have increase. Its illegal to text while driving in most U.S. Read MoreDistracted Driving Is One Of The Leading Cause Of Death Essay1396 Words Ã |Ã 6 PagesDistracted driving is one of the leading causes of death. Ã¢â¬Å"Every year, about 421,000 people are injured in crashes that have involved a driver who was distracted in some way,Ã¢â¬ (Hopkins). Even though this is true, people who use a cell phone while driving are not punished as harshly as drunk drivers. A DUI, driving while intoxicated, is a misdemeanor and could result in a few months in jail, as well as a fine. The punishments for a DUI get more severe each time someone is charged. While, the punishmentRead MoreThe Epidemic of Texting and Driving Essay1478 Words Ã |Ã 6 PagesAutomobile crashes as a result of texting while driving is an epidemic that has taken over the nation in the past years. In todayÃ¢â¬â¢s society, people have become more and more dependent on technology as everyday uses. How many can honestly say that they have text and driven? How many have had to swerve, stop on the brakes or almost gotten into an accident because of it? Texting while driving is the most common thing that almost everyone has done or seen. The main issue and threat is that peopleRead MoreRole Of The Phone Addiction Causes Dangerous Actions Involving The Cell Phone1034 Words Ã |Ã 5 Pagesespecially texting and driving, puts not only the driver but those around in serious danger. Driving is not an instance where multitasking is good. When drivers are trying to multitask by driving and using their cell phones to text, the risk of an accident significantly jumps due to erratic driving. Even though the dangers are clear when it comes to distracted driving, numerous people still do it. Why? A Fox News article goes into more detail about the psychology of texting and driving. Read MoreThe Dangers Of Texting While Driving1252 Words Ã |Ã 6 Pagesof driving. Many drivers, across the globe, engage in the practice without contemplating about the potential detrimental effects of their actions. Notably, researches have depicted that texting while driving is one of the major causes of road accidents. As a matter of fact, accidents caused due to messaging while driving has superseded those, which are instigated by drunk drivers. Drivers are inclined to the belief that they can send some messages without negatively impacting on their driving abilitiesRead MorePersuassive Essay on Texting and Driving994 Words Ã |Ã 4 Pagesblamed on distracted driving and most of the distractions are caused by cell phone usage.Ã¢â¬ Many drivers today have such busy lives and never have time to get the things they need to do complete in one dayÃ¢â¬â¢s time. This leaves them to get things done while on the road. Checking emails is a top priority for Americans and since many have SmartphoneÃ¢â¬â¢s, they will do it on the road as well as send text messages. There are many laws being established to try to prevent distracted driving from happening, althoughRead MoreDangers Of Texting And Driving1361 Words Ã |Ã 6 Pages Dangers Of Texting and Driving Drivers should not be able to use their hand held cell phones while in a moving vehicle. Too many teens and young adults are being killed each year in texting and driving related accidents. Teens and young adults must be educated about the effects, benefits and laws of texting and driving in order to keep adults and teens safe while driving a vehicle. Cell phones should not be in use inside a vehicle while it is moving. There are a lot of benefitsRead MoreThe New Popular Form Of Communication Among Teenagers1544 Words Ã |Ã 7 Pagesteenagers. Texting has a long-lasting influence on people and how they communicate with each other. Some researchers are beginning to believe that this simple form of communication can be harmful to those who use it. There are three articles that confront this topic head-on and offer the reader different perspectives: Archana Srinivas, Megan White, and Hatim A. Omar, authors of the scholarly article Ã¢â¬Å"Teens Texting and Consequences: A Brief Review,Ã ¢â¬ Solomon Ali Dansieh, writer of Ã¢â¬Å"SMS Texting and Its
Wednesday, December 11, 2019
Poem written Essay Base Details is a war poem written by Siegfried Sassoon in 1918. The year of 1918 was a crucial one in the First World War, and Base Details seeks to explore some of the bitterness and cruelty of the war era, expressed from the point of view of a common soldier.Ã The poem consists of a single stanza, with ten lines. The rhyme scheme is pretty straight forward and consistent, utilising a standard A,B,A,B format throughout the poem. The stylistic devices used are, however, quite distinct. Unlike many poems, metaphors dont seem to play a vital part in fact, the poem doesnt have a single metaphor. Instead, theres quite an excessive use of subjective adjectives, which greatly helps setting the tone and message of the poem. Most notable is perhaps how the author chooses to purposely understate serious issues, in order to suggest patriotic and sympathetic feelings for the reader. An example of such an understatement would be line 7 which says: Yes weve lost heavily in this last scrap.Ã Scrap in this context means battle. However, wed normally see scrap used in context with normal, unimportant fights, and even used as another term for junk or garbage. This implies that the major who articulates this line is obviously understating and fails to acknowledge the consequences, dramatic events, and horrors of the particular battle, thus making the reader feel disgusted about this major character. Another example of this would be adjectives such as guzzling, gulping, and toddle, which really explores the laissez-faire and immaterial attitude of the major character. Guzzling and gulping, depicts a rather obese, uniformed army official in midst of a greasy meal, which definitely doesnt imply any sympathy for this major character. Toddle excels at describing the laid-back and ignorant attitude of aforementioned character. This ironic tone consists throughout the entire poem. The author seizes the role of a major, and portrays this character as an upper-class, laissez-faire, and ignorant kind of person, who enjoys his managing office while neglecting and understating the sacrifices made by the youth on the battlefield. This irony easily leads to bitterness, and its quite easy to imagine that the authors experiences in the war might not have been amongst the easiest. (A quick research on Siegfried Sassoon shows that he suffered the loss of a dear brother and several horrific incidents as a Field Commander himself, which could point towards Base Details being his reaction and protest of his war-years.) Siegfried Sassoon achieves a great mix between telling an actual story with his poem, as well as portraying strong feelings. The story puts the recipients in midst of the war seen through a majors eyes as he runs through the Roll of Honour. This may not seem like a lot, but this actually creates quite a lot of connotations for the reader to digest along with the other literary devices. The feelings portrayed are, however, most prominent. A clear sense of bitterness, irony, regret, and anger towards the major character is strongly portrayed, and leaves the reader with a feeling of pity, shock and despair in form of great empathy. Compared to Rupert Brookes poem The Soldier, this approach is vastly different. In fact, The Soldier is quite the opposite, as it leaves the reader with a feeling of somewhat (national) pride and respect as these are the main feelings reflected by the narrator of The Soldier. The two poems together does, however, clearly shows the distinct characteristics of a two-faced war; on one hand, the soldiers are regarded as national heroes and saviours, but on the other hand, theyre also just another name on the Roll of Honour whod been used as a tool by their superiors.Ã The common soldier of WW1 was a loser as well as winner, and Base Details is definitely portraying the losing side, by getting a message of bitterness and regret through to the audience including the major characters for whom this poem is obviously aimed at as well.
Tuesday, December 3, 2019
Motherhood and High School Students by Expert Prolific writer | 20 Dec 2016 Guidelines regarding teenage pregnancy and motherhood Introduction Need essay sample on "Motherhood and High School Students" topic? We will write a custom essay sample specifically for you Proceed Some schools have sought to punish teenage mothers in many ways to raise awareness on the pitfalls related to teenage pregnancy. Frightened of promoting policies or actions that back teen-age sexuality, schools have developed unclear guidelines regarding teenage pregnancy and motherhood. The toughened images of mothers as sexually careless have been commonly used, while other have simply judged them to likely become bad mothers who will join the row of non-productive American citizens. While it is understandable that the practice tries to free itself from the increase of young women becoming pregnant in the future, there is no acceptable way to explain the support of additional difference forced on the young pregnant mother. She is faced with additional unnecessary shame and unfair treatment from our ruthless and judgmental social system. This will likewise make it harder for her to drag her underdeveloped body to school and face another daily hurdle. Eventually, some would just quit school which accounts for the 62% of young women dropping out of school after giving birth according to Hrabowski (2002, p. 13). In this manner, our social system has actually fallen short of criticizing teenage pregnancy by questioning and stereotyping womens roles and is considered a negative impact on the lives of young mothers in high school. College Students Very Often Tell EssayLab professionals: Who wants to write essay for me? Specialists recommend: Help With Essay Writing. Here Is Your Life Vest! Cheap Essay Helper Write My Essay For Me College Paper Writing Service Reviews Essay Writer Cheap Motherhood for every woman across all age groups regardless of race is an experience of a lifetime. Many believed that the needs of teen-age mothers are similar to the needs of high-risk mothers. Health maintenance is a must as medical professionals offer advice to new mothers to take it slow after childbirth in order to allow the human system to slowly adapt to the bodily changes. Society has to this effect granted working mothers enough amount of rest through maternity leaves before and after delivery to recognize her right to health maintenance. In some societal structures however, the traditional views of motherhood are unwelcome in some areas of our educational system. Some schools impose a mandatory return to school policy right after giving birth to teen-age mothers. The subject of this study is therefore to the value of a few weeks rest for post-partum high school students. A few weeks rest The medical value of rest after childbirth is taught to the mothers of all ages by the health team for health reasons. A longer rest period is even afforded to those who have undergone Caesarean section birth process. Mothers who have undergone normal deliveries were also granted enough rest and time for bonding with their newborn. Medical theories support that insufficient rest is dangerous to young mothers because of negative childbirth complications, resulting to possible deaths according to Lutrell (p. 47). In the real meaning of medical consideration, a young mother is seen fit to enjoy ample amount of rest prior to return to school activities. Humanitarian considerations also understand that the young mother is entitled to spend a few moments of rearing for her newborn child. Right after birth, a teen-age mother is overwhelmed by many reasons to stay at home. Her body has been subjected to extensive demands brought about by the pregnancy and childbirth. Her emotional and psychological issues associated with the pregnancy and childbirth does not also disappear overnight. In many cases, her problems are enhanced with child-rearing capacities amidst other struggles. Newborn babies are also in need of maternal care and nurture. While the society has endorsed breastfeeding as a healthy program for babies and mothers, this activity requires more than a few days of rest. A few weeks after childbirth is therefore a crucial moment for mother and child as the mother needs to fully understand her situation and bond with her baby. Encouraging young mothers some time to rest right after childbirth prevents her from undue harassment while encouraging girls to continue their education in Lutrell (p. 19). It would be meaningless to require a new mother to immediately report to school without predicting the possibility of shaming her in front of other students. Breastfeeding mothers run the actual risk of discovery due to leaking breast milk. Other hormonal changes is also active during this period as new mothers of all ages experience blood flow that eventually lasts for more than two weeks on the average. Also, a time when her confidence is fragile teen-age mothers need an ample amount of support from her family and friends. The educational system with which she has been linked to can greatly assist in order for her to withstand the amount of responsibility hurled upon her. Expressing any need for her to continue her studies is a good thing in order to encourage her perception of available opportunities for her and her child. But a structure that keeps her away from balancing her responsibilities at home will affect her negative attitudes towards school. If the school is indeed bent on providing a safety net for the society, it should therefore realize that teen-age motherhood is a difficult condition requiring their support and understanding. Some schools have been lenient with teen-age pregnancy and have made it easier for the young expectant mothers to attend classes. Yet teenage mothers still find it difficult to adapt to a support system in school that allows her to manage their time between education and their new responsibilities. Although schools have claimed that a supportive atmosphere has been provided with interventions and cannot simply be inpidualized up to a point when the young girls can accept their dual roles, the system can still provide minimum extensions as needed in order to provide a supportive atmosphere (Baker, 2007: 205). New mothers are not simply bent on disregarding them such deliberately trying to be absent in the guise of motherhood. Though additional considerations may interfere with the methods of instruction, helping students finish their studies should be encouraged for them to reap educational benefits. Schools may also offer a student the option of getting a program that can accommodate home-bound instruction or transfer to another school with appropriate resources Lutrell (p.20). Conclusion My current stand on this study is still to require schools to adapt changes in its policies that would be medically beneficial and supportive to the plight of teenage mothers. Imposing a rule that require new mothers in high school to return to school immediately after childbirth is considered medically preposterous. Ample time shouldbe granted for teen-age mothers to re-adjust and get back their roles in the educational system while balancing their new roles at home. Education is a legal right for everyone and the school board should consider that which is beneficial to its students in order to encourage a viable society for all! Works Cited Baker, Phillip. Teenage Pregnancy and Reproductive Health. London: Royal College of Obstetricians and Gynecologists, 2007. Hrabowski, Freeman, Maton, Kenneth I. and Greene, Monica L. Overcoming the Odds: Raising Academically Successful African American Young Women. US: Oxford University Press, 2002. Lutrell, Wendy. Pregnant Bodies, Fertile Minds: Gender, Race, and the Schooling of Pregnant Teens. New York: Routledge, 2003.