Native American Service Learning Opportunities - 2118 Words

The 5 things that I have experienced in this class and outside of it include the two days of speakers that we had. We met the medicine woman named Kathy on one day and on another day, we met both the Trickster Gallery museum curator named Joe and Aaron’s grandfather. Another experience that many people from our class had the chance to experience was the dinner party where the medicine woman that we met and her teacher, Jerry White also known as Standing Bear. It was said that if we could not reach out to Trickster gallery or other Native American service learning opportunities, we could just use hours in which we deal with social justice. It just so happened that as a transfer student I had to take Eng 106, as the class did not have an equivalent at my old school; this English class had a required social justice service opportunity having to do with the people of Canticle Place. Canticle Place is a Wheaton AIDS home, ran by Franciscan nuns. We had two people come to our class from the home one who had HIV and one who had AIDS. At another point in time we went to the home to help around by cooking food for them and interviewing them about the trials tribulations of having AIDS. AIDS has disproportionate effect on the Native American population, which is the connection that I chose as the reason that used for this being the hours I used to add up my hours up to the 15 hours. Kathy was the first experience I had in this class And It was great one. We had the people who didn’tShow MoreRelatedEducational Challenges of Native Americans1612 Words   |  7 Pagesï » ¿Native Americans Educational Challenges Introduction Why are Native Americans underrepresented in the various healthcare fields in the United States? Is it because they lack access to educational opportunities in that field? 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Asians represent 2.2%, American Indians/Alaskan Natives 1.5%, Blacks/African American 1.3%, and Pacific Islanders 0.9%. Not only is the ELL population growing, but the diversity of students is growing as well. It is the responsibility of Utah’s school administrators, school board members, and teachersRead MoreHow Immigrants Create Jobs1033 Words   |  5 PagesHow Immigrants Create Jobs ` For many years Americans have addressed the issue of immigrants as a threat to the economy as they take away jobs from natives of the United States. People state that immigrants will work for lower wages and in worse conditions than a native, which makes them more desirable to employ. But, is this assumption accurate? Or do immigrants actually create jobs and help the economy of the United States? Research is now stating that immigration and unemployment are unrelatedRead MoreThe Importance Of Globalization In Latin America1276 Words   |  6 Pagesdiversity and cultural traditions. 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Their work will justify the study of cultural and historical experiences

America s Miscegenation Anxiety And The State Of Virginia

Even through contradictory politics and the use of religion as justification in the formation and adherence to these segregation laws, the resolve of individuals have collectively played a tremendous role in racial equality in all facets of life. Before the Civil War, the Constitution gave rights, individual rights, only against the government. After the Civil War, the 14th Amendment clearly defined national citizenship and prohibited any single state to deprive any person of â€Å"life, liberty or property without due process of law,† to deny any citizen the â€Å"privileges and immunities† of citizenship, or to deny any person â€Å"the equal protection of the laws.† After the Supreme Court ultimately neutralized this amendment through its decision in†¦show more content†¦Is it not the foundation of a greater or less share of beauty in the two races? Are not the fine mixtures of red and white, the expressions of every passion by greater or less suffusions of colour in the one, preferable to that eternal monotony, which reigns in the countenances, that immovable veil of black which covers all the emotions of the other race? Add to these, flowing hair, a more elegant symmetry of form, their own j udgment in favour o f the whites, declared by their preference o f them, as uniformly as is the preference o f the Oran-ootan for the black women over those o f his own species. (Jefferson 186, italics mine) Reading Jefferson’s constructed history in Notes against his lived history—his own liaisons with women not â€Å"of his own species†Ã¢â‚¬â€enters us into the profound rhetorical contradictions of interracialism in America. In many cases, the success of the major legal battles during the Civil Rights era depended on the effort, courage, and tenacity of individuals. Richard Loving and Mildred Jeter were two such individuals. By marrying one another, Richard being white, and Mildred being considered negro, Richard and Mildred broke the Virginia Racial Integrity Act

Tsunami in Japan Free Essays

The massive wave of water, as high as 10 metres in some parts, reached more than five kilometres inland. The meteorological agency issued its top-level evacuation alerts for the entire Japanese coast amid warnings of a tsunami of between six and 10 metres. Towns and farms around Sendai city in northern Japan have been engulfed by a seven-metre tsunami, while a four-metre wave swamped parts of Kamaishi on the Pacific coast. We will write a custom essay sample on Tsunami in Japan or any similar topic only for you Order Now Residents have been ordered to high ground and stay away from the coast as tsunamis can strike in several waves. Seismologists say the quake was 160 times more powerful than the one that devastated Christchurch last month. Japanese television has shown pictures of a wall of water kilometres wide moving its way across the countryside, engulfing everything in its path. The Cosmo oil refinery in Chiba prefecture outside Tokyo has exploded, sending flames dozens of metres into the air, with firefighters unable to contain the inferno. It is one of more than 40 blazes burning across Japan. â€Å"An earthquake of this size has the potential to generate a destructive tsunami that can strike coastlines near the epicentre within minutes and more distant coastlines within hours,† the agency said. A tsunami warning has been issued across the wider Pacific including Russia, the territories of Guam, Taiwan, the Philippines, the Marshall Islands, Indonesia, Papua New Guinea, Nauru, Micronesia and Hawaii. Russia has evacuated 11,000 people from areas that could be affected, including Kuril islands and Sakhalin island. Hawaii has also ordered evacuations. The Bureau of Meteorology says there is no tsunami threat to Australia. The quake, already considered one of the worst in Japan’s history, struck about 382 kilometres north-east of Tokyo at a depth of 24 kilometres, the US Geological Survey said. The USGS reported at least eight strong aftershocks, including a 6. 8 quake on the mainland 66 kilometres north-east of Tokyo. How to cite Tsunami in Japan, Papers

Judgement Engineering Activities

Question: Discuss abot theJudgementfor Engineering Activities. Answer: As part of engineering activities, judgement is a key component, which is used to resolve different problems and aids to come up with practical and ethical decisions, which are accepted. Different engineering decisions have to align with the three major roles of services and engineers in order to arrive at viable conclusion. These three aspects include the dealing with ethical issues, practice competency and responsibility for the engineering practices. In my line as an engineer, I have been called upon to maintain these aspects in the making of the different judgement, which I have been making all through. In addition, in the engineering practices, the engineer has to address the different conflicts with the stakeholders. The conflict resolution requires the use of correct judgement to resolve the issues and forms a key part of engineers competence. This role requires correct judgement in order to identify the issues and be able to resolve them perfectly. Moreover, conflicts due to the misunderstanding of the stakeholder will lead to untimely completion of activities. The interests of the different stakeholders must be met and addressed and this calls proper judgement of the prevailing issues among the stakeholder. Harmonization of the engineering activities with the expectation of stakeholders needs proper judgement skills in order to make viable decisions. In addition, engineering knowledge allowed me to, I managed all clarifications from vendor, client and engineering team including decision regarding procurement, the package progress and schedule aspects. As part of the project, I judged there is no formal project schedule from vendor side and I took initiative to prepare formal schedule for all engineering activities using MS project software. The needs for this will enhance the judgement and help to come up with the correct decision. In addition, the engineering activities involved supervision, evaluation and monitoring, which are part of my competences. In line with the engineers requirement in Australia, these competences help to achieve ethical decisions. These activities involves diverse decision making which require proper judgement. In the field of work, I have been able to enhance the decision making process through making of decision which aids the achievement of the success of projects. Technical works requires the correct judgement in order to come up with the correct measures and solutions. This needs to align with most key works, which are available at the site and the needs which need to be addressed. In addition, the engineering works is connected with unexpected obstacles, performance deficiencies and impending or actual failures. In order address these problems requires proper judgement skills. When faced with these problems, the judgement helps to come up with critical analysis of the situation a nd deriving proper solution. In addition, correct judgement is able to enhance the performance of the activities being undertaken. This is evident in the different actions, which are done, and the decisions which are performed. The judgement has to be in line with the ethical issues. This will be able to prevent and to ensure that conflict of interest do not occur. In the line of duty, I had several responsibilities, which were aligned with my competencies. Some of the key competencies ensures that I had to perform the following duties, which involve project management services that aided me to ensure design meets the intended service and meets stakeholder requirements, manage the engineering activities, monitor fabrication of the package at vendors workshop and evaluate the progress of the project from time to time. In order to meet these competencies, proper judgement of the different situation scenarios is a key factor. The engineering practices requires the competences I have in order to come up with the viable solution of any defined problem. In addition, the management of any clarification from the vendors, clients and engineering team is another competence that I had to perform in my duty. This needs proper knowledge and judgement of the situation in order to offer the correct solutions to the underlined problem. This helps to define and make any available decision, which affect the procurement team. The proper judgement helps to deliver what is needed for the right job and in line with the requirement of the stakeholders. In addition, in the decisions, the procurement of such items must be able to meet the different standards, which are set out by the engineers board in Australia. Lastly, the keeping of records of the actions and decisions is a key element that need proper judgement. The engineer has to be able to offer written proofs of the actions taken and the decisions made in the different cases.

Judgement Engineering Activities

Question: Discuss abot theJudgementfor Engineering Activities. Answer: As part of engineering activities, judgement is a key component, which is used to resolve different problems and aids to come up with practical and ethical decisions, which are accepted. Different engineering decisions have to align with the three major roles of services and engineers in order to arrive at viable conclusion. These three aspects include the dealing with ethical issues, practice competency and responsibility for the engineering practices. In my line as an engineer, I have been called upon to maintain these aspects in the making of the different judgement, which I have been making all through. In addition, in the engineering practices, the engineer has to address the different conflicts with the stakeholders. The conflict resolution requires the use of correct judgement to resolve the issues and forms a key part of engineers competence. This role requires correct judgement in order to identify the issues and be able to resolve them perfectly. Moreover, conflicts due to the misunderstanding of the stakeholder will lead to untimely completion of activities. The interests of the different stakeholders must be met and addressed and this calls proper judgement of the prevailing issues among the stakeholder. Harmonization of the engineering activities with the expectation of stakeholders needs proper judgement skills in order to make viable decisions. In addition, engineering knowledge allowed me to, I managed all clarifications from vendor, client and engineering team including decision regarding procurement, the package progress and schedule aspects. As part of the project, I judged there is no formal project schedule from vendor side and I took initiative to prepare formal schedule for all engineering activities using MS project software. The needs for this will enhance the judgement and help to come up with the correct decision. In addition, the engineering activities involved supervision, evaluation and monitoring, which are part of my competences. In line with the engineers requirement in Australia, these competences help to achieve ethical decisions. These activities involves diverse decision making which require proper judgement. In the field of work, I have been able to enhance the decision making process through making of decision which aids the achievement of the success of projects. Technical works requires the correct judgement in order to come up with the correct measures and solutions. This needs to align with most key works, which are available at the site and the needs which need to be addressed. In addition, the engineering works is connected with unexpected obstacles, performance deficiencies and impending or actual failures. In order address these problems requires proper judgement skills. When faced with these problems, the judgement helps to come up with critical analysis of the situation a nd deriving proper solution. In addition, correct judgement is able to enhance the performance of the activities being undertaken. This is evident in the different actions, which are done, and the decisions which are performed. The judgement has to be in line with the ethical issues. This will be able to prevent and to ensure that conflict of interest do not occur. In the line of duty, I had several responsibilities, which were aligned with my competencies. Some of the key competencies ensures that I had to perform the following duties, which involve project management services that aided me to ensure design meets the intended service and meets stakeholder requirements, manage the engineering activities, monitor fabrication of the package at vendors workshop and evaluate the progress of the project from time to time. In order to meet these competencies, proper judgement of the different situation scenarios is a key factor. The engineering practices requires the competences I have in order to come up with the viable solution of any defined problem. In addition, the management of any clarification from the vendors, clients and engineering team is another competence that I had to perform in my duty. This needs proper knowledge and judgement of the situation in order to offer the correct solutions to the underlined problem. This helps to define and make any available decision, which affect the procurement team. The proper judgement helps to deliver what is needed for the right job and in line with the requirement of the stakeholders. In addition, in the decisions, the procurement of such items must be able to meet the different standards, which are set out by the engineers board in Australia. Lastly, the keeping of records of the actions and decisions is a key element that need proper judgement. The engineer has to be able to offer written proofs of the actions taken and the decisions made in the different cases.

Affirmative Action Case Essays

Affirmative Action Case Essays Affirmative Action Case Essay Affirmative Action Case Essay Measures of merit are biased toward cur entry empowered groups. For example, schools that are predominantly black Often Offer fewer AP classes. According to a New York Times article, Californians best high schools offer ma NY APS and honors classes which boost a students GAP with point multipliers. This raises the average applicant GAP at UCLA, for example, to 4. 2. Many of the largely black high such lolls around Los Angels, however, severely lack AP courses, making the highest possible GAP a 4. 0. Meanwhile, families in higher tier jobs can often provide their children with be deter internship and research opportunities via connections be;en colleagues that under presented races do not have. These research and internship opportunities create a distinct ad antigen for college applicants. Moreover, people in positions of power are more likely to hire from certain backgrounds regardless of popular principles, perpetuating this disparity. The white unemployment rate is 4. 9 while the black or African American unemployment rate is 10. (Asian rate is 4. 0) in January 201 5 according to a survey by the Bureau of Labor Statistics. Similarly, Infeasible. Com reports that as of 201 3, black men earn only 75. 1 % of a white mans wage. Affirmative action allows the best to rise by addressing this exclusion and ball inning the advantage. Moving on to my second point Affirmative action has been making progress since its creation in 1960. The Leadership Conference on Civil and Human Rights r eports that since the I sass, students of color have increased their total college enrollment by 57. Percent, and the proportion of women earning bachelors degrees has been steadily increasing Moreover, negative effects have been observed when affirmative action programs were abolished. Statistics show that after California abolished its affirmative action programs n 1998, the minority student admissions at US Berkeley fell 61 percent, and minority Adam sessions at UCLA fell 36 percent. After Texas abolished its affirmative action program in 1996, R ice Universitys freshman class had 46 percent fewer Fragmentariness and 22 percent fewer Hispanic students. Continuing onto my final point : Affirmative action promotes ethnic diversity and more ethnic representation in in jobs and learning opportunities. This ethnic diversity is be inefficacy for society. Greater interaction and communication between ethnic groups reduce sees the possibility for misunderstanding and reduces conflict. It also increases understanding be teen these groups and therefore discourages further discrimination and can serve as a SSL w acting, long term solution to widespread attitudes of racism. Affirmative action promotes diversity in universities and creates a diverse learning environment. A study from the University of Michigan found that diverse groups are better at solving problems. Monoculture ere groups that have come from the exact same background with the same training think alike e, making the group act as essentially one person. Conversely, groups with members of dive rise backgrounds can think from a multitude of different perspectives leading to more innovative problem solving.

Ethics in Law Enforcement Essay Sample

Ethics in Law Enforcement Essay Sample Ethics in Law Enforcement Essay One similarity between ethics and the rule of law are their origins. Even before we have conceptualized what is considered as a written law, or even coined the term ethics, our ancestors have always known the idea of mores or laws which are the very foundation of what is right or what is wrong. Nevertheless, these mores are not exactly enforced or are just about for certain members of the society, even if people knew that doing do is not right. An example of this could be slavery. For hundreds if not thousands of years, slavery is deemed acceptable and also practiced in most parts of the world. This idea is even inscribed in written laws, saying that slavery and forced work is mandatory for individuals who are considered slaves, but not for royalties. In those times, the concept of being unethical and law enforcement is not exactly questioned by mores (right not to die) – since our ancestors have not yet recovered it in their subconscious – and thus are both considered as enforced by law and ethical. However, as time goes by and the intellectual machine of millions and millions of tinkers and scholars who have tapped into the subconscious have combined together to questions these other beliefs, the convergence of the rule of law, ethics, and mores have been inevitable. What this means is that today, what is considered a basic right (more: the right to live) is also enforced by the law and consequently, what is deemed ethical (by following it). In line with this, many people today believe that the statements contained in our rule of law are also what is considered as ethical for everybody and the continued existence of society. However, just as any system established by humans, even the rule of law has its own lapses and one of them is the process of law enforcement. As seen in the news that circulates mass media today, there are cases where law enforcers such as policemen and military have undermined the rights of individuals and have violated these people while in service. In most of these cases, the conflict that happened is due to differences in races, religions, beliefs, or even gender. These puts forward the question of how ethical is law enforcement today, since at times, fulfilling these duties almost equates to doing things which fall outside what is ethical. Nevertheless, what is amusing is how flexible and adaptive law is in addressing these issues. Ever since the beginning of time, our laws have adjusted to accommodate everyone and anyone as well as everything that humans should be concerned about. And, because of the recent commotions and distress about the events which are considered unethical, this flexibility has translated to additional laws and regulations which have been added so that law enforcers could not simply circumvent t hem and rationalize their unethical doings. An example of this law added states that any violence done to anyone, which is unnecessary and which is tied to reasons that include racial differences is punishable by dismissal from office as well as imprisonment. Based on this what is apparent is that as we grow and continue our existence here on this planet, the systems that we’ve made are now becoming more and more similar to the mores that existed above of us. So, today, these mores depicted above, are what is considered as ethical, and therefore both the rule of law and law enforcement must strive to replicate them in order to be considered as so. And hopefully, time will finally come when both the rule of law and its enforcement become completely similar as the mores for which they are based on.

Must be business related and must be current Term Paper

Must be business related and must be current - Term Paper Example In 1997 it spent DM 14.7 billion on R&D, 24% of the total business sector R&D expenditure in Germany that year. In 1995 50,000 employees were engaged in R&D, 6% more than in 1991. The impact is clear in patent statistics. The automotive industry registered 1,892 patents in 1990, 2,940 in 1996 (out of a total of 9,342 patents registered world-wide). Thus 31% per cent of patents registered in 1995 were German, compared to 25% Japanese and 19% US-American; German patents. The uniqueness of Volkswagen's governance is based on a bespoke law named the â€Å"VW Act† enacted in 1960 when Volkswagen was privatised, and a corresponding company statute. This legislation includes, among other directives, a required two-third majority on the supervisory board for any decisions on new plants or plant relocation thus ensuring that the government and labour representatives could not be overruled in decisions concerning changes of location and employment security. This has led to consistency i n providing a solid basis for continued innovation. In the late 90s VW moved upmarket with its purchase of Audi but also retained the lower end of the market with it’s purchase of Skoda. ... 2. The business situation involved: innovation at VW AG According to sources at VW, the main advantages of electronic communication is the reduction of adminstrative work, the acceleration of processes, improved planning accuracy and improved transparency in the collaboration with its suppliers. The development of this B2B supplier procurement platform has produced remarkable savings for both VW and suppliers over the past 5 years. Reference to statistics at VWGroupSupply in the Annual Report show that, as well as the doubling of suppliers using the platform over the past 4 years, VW now handles all of its contracts through this system generating transactions up to $56 million resulting in a saving of up to $70 million on the legacy direct procurement methods. Lee, S (2003) carried out a comparative study of leadership in innovation within the automotive B2B sector and rates VW as the leader in this field with Opel, BMW and Daimler following in order. The type of innovation character ised by VW’s B2B supplier platform is essentially that of process integration rather than product innovation per se. The advantage for VW, beyond the savings already mentioned, is the ability to accelerate the time to market for new models. This is partly facilitated by the fact that component orders that would have previously taken up to a month to process are now executable within a few days with a comcomitant shedding of bureaucracy. In terms of future stability of this platform, firms would seem to be so well-integrated into the system that they could not operate their procurement without it. The drivers behind this innovation are both diseconomies of scale created when VW diversified their global production to include the USA in the mid-70s. This was

What does Sartre mean by the claim existence procedes essence Essay

What does Sartre mean by the claim existence procedes essence - Essay Example Moreover, the word can be interpreted as meaning that not every item that matches its essence. A good example is that the essence of a bicycle is that it has two wheels and people cycle on it. However, one might have a bicycle with three wheels or that no one cycle on it. Hence, the real details of a specific bicycle make its existence. Besides, depending on the cultural practices of a particular group of people, what one culture can define to be good does not necessarily have to be good or complete with the other group for the item or object of judgment may differ (Sayer 24). When analyzing something it is vital to consider its existence before examining its qualities. Essence being an aspect of human life should be dealt with after the basic fact that is existence is critically considered. Even, though Sartre asserts that we need first to think about the mystery of a man very existence, this statement does not underrate existence and therefore, essence comes after existence (Sayre 25). In conclusion, a personality is built by the choice a person engages in not by exact purpose or predetermined model. Since humankind is unbounded hence one can define him/herself (Sayer 27). This means that in life, one is responsible in shaping his or her character and achievement one aspires to get. Sartre claims that the real thing becomes essentially after something is made to exist or manufactured. Therefore for something to be of the essence it must first have to exist but not

Vogue female magazines Research Paper Example | Topics and Well Written Essays - 2000 words

Vogue female magazines - Research Paper Example The primary objective of this research is to take advantage of my background in public relations, organization communication, international marketing and advertising to pursue an in depth research in the customer loyalty aspect of the Chinese Edition of the popular Vogue Female Magazine. As we know that a magazine is a periodical publication containing articles, photographs, advertisements and other features that primarily relies on advertisement and sales to accrue revenues. Thus customer loyalty is an aspect of business that is of cardinal importance, so far as assessing and assuring the profitability in a publishing business is concerned.On the accomplishment of a Masters degree in International Management from Loughborough University, I realized that I am immensely interested in the marketing issues associated with customer loyalty and retention. So in this research I intend to combine the knowledge I gained while pursuing my Masters and Bachelor degree to conduct an in depth and thorough research on the customer loyalty and retention issues faced by the International Chinese Edition of the popular Vogue Magazine. All the relevant data will be collected through return mail (on paper or through website), questionnaires and sales figures, which will aid in the sorting out and study of issues associated with the customer loyalty aspect of the publication under consideration. If this research turns out to be successful, it will serve as a rich source of reference for many foreign publishing companies. that are interested in entering the Chinese speaking market so as to enhance their global market share. After all Chinese is the second most spoken language in the world and the Chinese magazine market has a vast potential and scope that can be exploited by the foreign magazine companies. I would specially like to mention that while pursuing my Bachelors degree I not only achieved a high score of 87 in the 'Research Methods' course, but also finished a dissertatio n that was published in the Shi Hsin University's Journal of Graphic Communication and Technology. The topic that I choose for this dissertation was 'A Study of International Chinese Edition of Vogue Female Magazines' Market Segmentation and Positioning'. I preferred to join the Manchester Business School because I am particularly interested in the practical aspects of the business theories and dogmas and the Manchester Business School is an institution that believes in transcending the barriers between theory and practice so as to arm it's students with the right knowledge that will go a long way in ensuring that they become the business elite of the future (Manchester Business School, 2008). Manchester Business School is an institution that is committed to research (Manchester Business School, 2008). I am confident that the topic selected by me fits well into the priorities of the Marketing and Research Centre and Marketing Research Cohort at the

Advantages of E-banking

Advantages of E-banking Chapter 1: Introduction Introduction Nowadays, Malaysia is a multi sector economy and technology development based on the presence of many technological inventions. Traditional banking act as physical bank and delivery channel which to give customers to place or get their money out of the bank safety deposit boxes, managing checking or current accounts, paying cheques drawn by customers. However, e-banking is one of the technological inventions that give conveniences to customers to manage financial transactions on a secure website performed by retail or virtual bank, credit union or building society. E-banking is also called electronic banking which is the automated delivery of new banking services and products directly to customers through electronic, interactive communication channels. It brings many benefits and capabilities to customer compared to traditional banking. E-banking is fast and convenient way of using computer to easy access to the bank in 24hours. E-banking utilizes the internet system as the delivery channel by which to accomplish banking activity, for example, paying bills, transferring funds, viewing checking and savings account balances, paying mortgages and purchasing financial instruments and certificates of deposits (Haque et al, 2009). Internet banking enable customers to access their general information and accounts of bank products and services through PC or other intelligent device using web browser software on 24 hours a day and 7days a week, such as Netscape Navigator or Microsoft internet explorer (Mohamad, Hanudin, Suddin, Noren, 2007). The development in information technology have had an tremendous effect in development of more flexible payment methods and more user-friendly banking services in the world of banking (Serkan, Safak, Eda, 2004). There are some features that fall into several categories of internet banking which are transactional, non-transactional, financial institution administration, support of multiple users having varying levels of authority, transaction approval process and wire transfer. In transactional, e-banking act as account and financial transactions, pay bills, wire transfer and apply for loan or new account, investment purchase or sale and others. Electronic Bill Presentment and Payment (EBPP) is an electronic billing which customer can pay bill and receives payment easily, faster, and conveniently over anywhere and any times. Customer perception is interpretation of sensory mind and experienced by customer. The convenience of e-banking are attracted customers and provided no cost charged to customers. Customers have started accepting this internet service and assessing the banks based on their easy to access and convenience. With great confidence toward e-banking, customers are willing uses the internet banking to transfer fund, pay bills, and lot more with a excellent-secured system. It also can establish the relationship between trust and loyalty of customer toward e-banking. Internet banking in USA and Europe The dramatic growth in internet usage has generated a segment of customers with the ability and desire to conduct banking transactions completely online (Mathew and George, 2003). The internet explosion in the late-1990s brings people more convenience with various applications over the web. In the mid-1990s, customers using internet as monetary business transaction over the web as the financial institutions had implemented e-banking. The majority of US-based banks are escalating their investment in technology and hedging their bets while research specifies that a substantial portion of the customer base may always demand the type of personal interaction that can only be provided by individual branch personnel (Alstad, 2002). TowerGroups prediction is highlighted by CRMToday on IT spending by large banks in USA, which the amounts is 24.1 billion in 2004 as compare to 22 billion in 2002. Besides that, many US banks, such as Bank of America and Umpqua Bank are lending from social media channels, offering social networking, pod casting, web casts and other interactive tools. Now competitors can establish an internet bank for as little as $6 million in the USA compared to the cost of setting up a traditional brick and mortar bank (estimated at between $25 and $30 million) (Nathan, 1999). CRMToday (2003a) also stated that without major consumers adoption internet banking would not achieve as profitable as promise although there are increasing in amounts of online banking customers. According to the European Central Bank in 2002 (centeno, 2003), the level of services and its quality differ according to the country and the banks even though all main banks provide internet banking services. Bughin, 2001 investigated that the adoption rate is examined to be averaging only 17% of internet users or less than 6% of total bank customers. The author also stated that there are 60% internet customers do not have subject in buying books, CDs or low valued item through online but are reluctant to create online banking transactions. Furthermore, there are differences of internet banking adoption also existed among some countries in Europe. Around 18-25% of populations in Estonia are utilizing internet banking services whereas Italian bank had about no on-line customers by early 2000, banks in Malta initiated internet banking services in December 2002 (Centeno, 2003). Furthermore, there are differences of adoption among banks within the same country. Bughin (2001) stated an example, a leading banks in France have diffusion rate over 11% while minor bank such as the credit commercial de France have translated only 2% of its customers to online for the same period. Internet banking in Turkey In Turkey, there are over 18% of banking customers using e-banking actively (Jamaluddin, Osman, Sukru and Kemal, 2008). Since 1997 internet banking has been recognized as a feasible alternative distribution channel by Turkish commercial banks due to the deregulation in the financial sector, escalation of computer literacy, the rapid diffusion of electronic commerce, strong commitments to reduce operating costs, changing customer demands for innovative financial products and services and create customer convenience (Hakan, 2008). Due to the low cost of attracting customer to utilize internet banking and retaining existing innovation-demanding customers during the past two decades, most of Turkish commercial banks found it irresistible to invest large amounts in online banking although the customer take up of internet banking appeared to be very slow. In addition, the actual number of utilizing e-banking users appeared to be between 1 and 1.2 million (30%) in 2003 although 2million people (50%) were forecasted to utilize e-banking by 2003 (Akinci, 2004; Celik, 2002; Ozkan, 2003). Furthermore, in turkey the numbers of active internet banking accounts are escalating from 150,000 in 2000 to 5.5 million in 2007 and grew annually by 68 percent (Higgs, 2000). In comparison, although this illustrates that internet banking has experienced strong and sustained growth since its inception, Turkey has a lower internet banking penetration rate than that of many European countries. The research on internet banking by individual customers in the country has been required to improve customers understanding of how their particular beliefs or motives affect their utilization of the services. Internet Banking In Australia Internet banking growth continued rapidly in Australia with a 26 % increase in the internet banking customer population to 5.5 million users (approximately 34% of the adult population) going on over the 12 months to May 2005 (ACNielsen, 2005). The report stated there are over 7.2 million consumers accessed 27 millions accounts in 2003 which is an increase of 31% compared to 16.2% in 2002 (MISC, 2004). The report showed that users are more efficient in utilizing Internet banking services and transacting more amounts utilizing fewer sessions. Furthermore, internet banking services are increasingly attracted among users women and 50+ years age group is the highest growing in all category. There are 54% of Australian adults were utilizing telephone banking and an estimated 25% of employed internet banking after a period of strong electronic banking market development between 1997 and 2002. Small and medium banks in USA provide more user-friendly services than larger banks and achieved well in the area of personal internet banking, and website reliability and transactional capabilities while larger banks in Australia offer more variety services than smaller banks. Nevertheless, small and medium sized banks in Australia have found to provide more user-friendly services than larger banks and are successful in offering personal banking services. Internet Banking In Malaysia Since achieving independence in the 1957 banking activities in Malaysia has changed enormously with appearances of new technology application. In the 1980, the first Automated teller Machines (ATMs) was introduced which was be the most visible piece of evidence of the emerging electronic banking in Malaysia. ATM is a computerized telecommunications device that used for transfer funds between checking, balance enquiry, cash withdrawal, savings and credit card accounts, bill payments, making cash and check deposits and making payments to application for initial public offerings in Kuala Lumpur Stock Exchange. This technology brought the revolution were longer banking hours which unlimited beyond office hours (BNM Annual Reports, 1985-1997). Apart from this, the next changes in this evolutionary process will be the telebanking and PC-banking in the 1990s. In the early 1990 telebanking was introduced in Malaysia as delivery channel for branch financial services via telecommunications devices connected to an automated system of the bank where customers can perform retail banking transactions through using Automated Voice Response (AVR) technology. The functions of telebanking are almost similar to the ATM services except withdrawal and deposit of cash. Telebanking brings convenience, extended access and significant time saving to the customers. The insufficiency of cash withdrawal function in telebanking leads to the poor customer response to telebanking. In the 1990s, ten local commercial banks are offering PC-banking or home banking services. PC-banking is an online banking device which customer can utilize their computers in anywhere anytime for account transactions by subscribing and dialing into the banks intranet proprietary software system. PC-banking can raise speed, decrease cost and enhance flexibility of business transactions which is more suitable among corporate customers. In the half of 1990, the number of customer that utilizes this service still small. This is because they faced some problems, such as risk in transacting on the internet, lack of trust and loyalty of customer and poor of product and service quality. In this table indicates that frequency of familiarity and usage of using ATM is the highest and PC-banking is the lowest percentage. ATM can attracted all of banking customer to use this service because it really brings convenience to the customer since it can save time, reduce difficulty, and enhance flexibility of business transaction to customers. There are 80% that not using telebanking because this service cant provide any cash withdrawal function. However, PC-banking also faced lack of attraction from banking customers due to the new banking service that introduced to this country, which most of customer still unable to accept this new internet service. When customer utilize PC-banking, they may face some problems, such as risk in transacting on the internet, lack of trust and loyalty of customer and product and service quality. Furthermore, e-banking in Malaysia is become increasingly popular on developments in information technology and telecommunications. In Malaysia internet banking service (IBS) was established in six years ago (The Star, 2005). IBS is a convenience and new physical banking service which is to attain more potential customers as it allows bankers to deliver banking services to a wider segment of customers through electronic and interactive communication channels (Goi, 2005), with 12 domestic banks offering IBS to 4.5million subscribers currently (Bank Negara Malaysia, 2007). So surprisingly internet banking has become one of the popular services with 51 percent out of 8,000 of total respondents once a month. In the beginning, there are 5 Malaysia banks have invested millions of ringgit in online banking but these banks are still functioning as dial up intranet facilities. The online service is still unavailable for customers because of the insufficiency of legal framework and security concerns. The investment may be wasted due to the deficiency of important business understanding to support customer adoption if a bank introduces Internet Banking Services without a clear understanding of factors influencing customer adoption (Goi, 2005; Pires and Aisbett, 2002). In table 1 it illustrates the demographic characteristics of the internet bank users and the non-internet bank users among the sample respondents was analyzed. Mean monthly income is the only significant difference appears which it assumed that the internet bank user monthly income is highly than non-internet bank user. It also shows that there is no significant difference between the mean age of the internet bank users and the non-internet bank users. These two groups are equal in percentage of graduates and undergraduates in which both of the groups are nearly about 85%. Background of study The purpose of this research is to identify and evaluate the consumers perception toward e-banking. Consumer perception is important to bankers because of that banker can only understand and determine what customer actually wants to and how e-banking service shall satisfy them. There are some variables will be discussed which are affecting the growth of e-banking in Malaysia. From the customers perspective, internet banking assists a convenient and effective approach to control personal finances without visiting the bank and from any locations, as it is accessible 24 hours a day and 365 days in a year (Rotchanakitumunai and Speece, 2003). Through this report we will discuss about different countries have different customers perception about e-banking. This research also studies whether service or service quality will influences the trust and willingness of customer for using e-banking. Besides that, we also explore the factors which are taken to assess customer perception toward various application of internet banking. The factors that will be assessed are convenience of account transaction, flexibility, reliability, save time and cost. Internet banking is convenient, no geographical barriers, low cost and isnt bound by operational timings (IAMAIs, 2006). More than 50% of total respondents agreed that e-banking is convenient and flexible ways of banking and it also have a variety of transaction related advantages (Divya and Padhmanabhan, 2008). The purposes of internet banking consist of customer convenience through personalized service, cost containment through decline in operating cost, revenue expansion through better quality and additional non-financial services, and performance enhancement by making the service from any location (Bradley Stewart, 2002; Chau Lai, 2003; Frust et al., 2000; Suganthi Balachandran, 2001). How saving of cost and time affect the p erception of customer toward e-banking are also analyzed. So this research main purpose is to examine the variables of the actual perception of customer toward e-banking. Problem statement This research explores and examines some topics which are important elements that help in consumers perception toward e-banking. Banker should understand the need of customer so that they can improve the insufficient of the services. Banker should find out the way to attract more customers to utilize their services. In line with global trends, most customers are not focusing on this internet application. So, we need to solve this problem regarding the importance of the e-banking among customer in the local area. Customer should learn to use internet banking which can bring conveniences without going to the bank. Then customers will obtain satisfaction with the system when it provides them maximum convenience while bank transaction is occurred. The convenience of internet banking is contributing to changing patterns in cash withdrawal and day to day money management and assisting people gain greater control of their finances (Beer, 2006). On the other hand, there are few factors that lead to this problem occurrence. Firstly, not many people start to use e-banking because they still not trust on the system through internet. They will worry and always have a doubt about whether their money is safe. In addition there are few cases of fraud have been reported in online banking. The hacker wills forgery information by entering person information without the owner knowing and takes out his/her money. Secondly, there are lacks of social contact because internet banking dont have any assistance will be served to customer. It will create difficulty to the customer since in the bank there will be banker which will helps and assists customer needs. They will easily give up since there are many lack of skill problems occurred when utilizing the systems. Besides that, it is difficult to do survey since there are a lot of public are faced limitation of time, because it may take times to explain to the public. Research objective To identify what influence consumers perception toward e-banking To determine the factors that affecting consumer perception toward e-banking To find out how service quality influences internet banking user To identify the reason why customer use internet banking To solve the problem customer face toward internet banking To increase the knowledge of customer toward internet banking To improve the insufficient of the internet banking services To enhance the loyalty and trust between consumer and e-banking Significance of study This research is contributed to give customers to better understand about e-banking. There are many features and characteristics of the e-banking that many people still no realize about it. Through this research, we will interview a numeral of people and will explain about internet banking to give consumer to better understand the services that already provided to help them to ease their life. For example, CIMB offers CIMB Bank AirAsia Savers Account, a paperless account which customer will directly enjoy the convenience of viewing their account statement online without require a passbook (AirAsia Berhad, 2007-2010). Such a good service provided by bank, customer wont know about it if they no utilize internet banking. This study has combined varieties of factors from past research to study consumers perception toward e-banking. Both practitioners and academics can obtain the advantages by to better understand the consumers perception in the value of internet banking services. Furthermore, they can also identify the deficiency of the service in e-banking through this research so that the service would be improved to match customers requirement. Hence, customer can properly understand and adapt the problem that they face as necessary. In Malaysia, Maybank has become the first bank to introduce internet banking services (Maybank2u.com) and an combined web-based cash management portal on June 1, 2000. The online banking services will allow customer to perform bill payment, banking enquiry functions, funds transfer, credit card payment and accounts summary as well as transaction history (Suganthi, Balachandher and Balachandran, 2001). However, the influence of consumers acceptance e-banking in Malaysia seems more challenging because of the deficiency of information and academic in e-banking. Scope of study The scope of study is only concentrate about consumer area and perception toward e-banking. In this study, the research will be focus on MMU student, CIMB banking users and businessman that will regularly using banking service. The reason that we choose MMU student is because MMU student will often using online banking systems to pay tuition fees, transfer fund to their friends, check for their transaction account anywhere anytime. Apart from this they can teach their parent to use these services since it is very convenience and saving time, especially to those parent that very busy with their work. Besides that, we also focus on CIMB bank users which they can provide some information through interviews or questionnaires. Then, we will determine how depth the respondents understand about internet banking and what their comment regarding e-banking. Through this research we will resolve the inadequate and insufficient of service of internet banking. In addition to this, for sure business man they want to utilize something that very fast, time-saving, and can assist to their business. They can conduct most of their business on the internet and make transactions between their businesses without going to the bank. It can guarantee service quality for users conducting business transactions while utilizing IT applications and infrastructure. Through this research we can ask for some suggestion or any dissatisfied regarding internet banking from different view of business man, CIMB bank users and MMU student. Limitation of the study The extension of this study include there are large amounts of people still dont have the internet connection in their home and some dont know how to use e-banking services which will result in lack of internet banking users. There is a need for public knowledge to deal with computers and browsers since there are a lot of public still unable to use the internet applications. Besides that, it will lead to the difficulty of development of e-banking in the country. Customer may prefer visiting the bank branch because there are lacks of social contact regarding e-banking will creates difficulty to the customer since in the bank there will be banker which will helps and assists customer needs. Then it may take some time to learn and get to use to internet banking, as it requires a lot of procedures. If banks server down, customer may not access to the website. Secondly, the limitation that I faced is the difficulty of communication with the respondents when interviewing and collecting data for my research. Some of the people will resist for doing the research survey because they thought I wanted to promote or sell something. The thing that I frequently faced is meeting people who reject to answer any question before I start to talk about my research purpose. Organization of research In chapter 1, the main title is introduction which is a beginning section that states the internet banking among difference countries. Background of study explaining what about of a particular topic is placed. Problem statement is focus on the attention of the problem solving team. Research objective is writing about the purpose of this research. In significant of study, I will shift from the particular to the general, and present the importance of the study from target beneficiaries to the people in the community, to the people in the region and nation. Scope of study is focus on the coverage of areas in this research such as student and businessman. The limitation of study is about the restriction that I facing during doing this research. In addition, Chapter 2 is literature reviews. In this chapter reviews and introduces the previous journals related age, income, education, gender, convenience, perceived ease of use, reliability, saving time and cost, service or service quality and trust. I will focus on how these independent variables influence consumers adoption of internet banking. There will be an overview of some journals about consumers adoption toward e-banking will be presented which will used to examine the relationship between independent and dependent variables. In Chapter 3 it is about research methodology that including theoretical framework, hypothesis of study, data collection and data analysis. In Theoretical framework, I will suggest the integrative interrelationships among important variables in the research which is includes age, income, education, gender, convenience, perceived ease of use, reliability, saving time and cost, service or service quality and trust. There are four method are used in data analysis, which are frequency distribution, Pearsons correlation coefficient, cross tabulation and descriptive analysis. Chapter 2: Literature Review Introduction In this chapter 2, I review many journals about this topic in the various area of e-banking. In the 2.2 those journals are investigating about demographic affects the consumers adoption toward e-banking. In the 2.3, those journals are investigating the factors that influence the consumers adoption toward e-banking. In the 2.4, those journals are investigating about the service or service quality which will influence consumers adoption. In the 2.5, those journals are investigating about influence of trust toward consumers adoption. Demographic According to Kim,Widdows and Yilmazer (2005), age were influencing the attitude of consumers towards internet banking and their ability for learning how to do investment. The younger age groups of consumers are more likely to invest the time to learn to utilize internet banking because this group of consumers can generate more advantages through time saving. Besides that, higher income of consumers will have higher value of time than consumers with lower income, so higher income of the consumer can generate more advantages through adoption of internet banking. More educated consumers may involve fewer training in response to technological change if their general skills facilitate them to be taught the new technology (Bartel and Sicherman, 1998). They also indicated that adoption internet banking of well educated individuals is faster than less educated individuals due to the internet banking, new technology, and warrantees reduction of the time required for money transactions. In Padachi, Rojid and Seetanah (2007) report examined that the younger generation the more they like to utilize the new technological advancements as they are more prefer to adopt e-banking compared to the older generation. Mean age of internet banking users is 45 and 47 for non-internet banking users. Furthermore, the higher of education and income ladder will lead to the greater the probability of customer adopting internet banking. There are 57% of respondent having an education level in the category post graduate and 33% in the category of undergraduate utilizes the service. There are 48% of people using the internet banking that have the income group of Rs 30000 to 49000, which means the higher income earners are more sensible in utilizing internet. In the Jane, Jeanne and Marianne (2004) report explores the discoveries of demographic correlates of technology acceptance have constructed varying results with respect to important relationships to adoption. Men and women show to have dissimilar acceptance rates of specific computer technologies which men will more prefer on adopting technologies application(Gefen and Straub, 1997), but gender appear not to be found to have a direct on adoption of technology in general (Taylor and Todd, 1995; Gefen and Straub, 1997). The research show that the probability of higher income households ($75000 or more) being current users of ABP was 15 points higher than low income households (under $25000) and was more likely to adopt e-banking. However, research examined younger persons are being more likely to adopt which has also linked age and adoption of technologies (Zeithaml and Gilly, 1987; Trocchia and Janda, 2000; Karjaluoto, 2002; Lee, 2002). The research shows that the age of 65 of respond ents were less likely to adopt phone banking and PC banking compared to medium and youngest group. People with married status are more likely to adopt than single males or females because when it comes to bank accounts, married couples may have jointly held accounts. In region variable households living in the northeast were more likely than in the midwest to have adopted or to intend to adopt phone banking or ABP. In the Demographic characteristics of Western Australian users of electronic banking journal published by Catherine, Simone and Katherine (2005) explored that most online banking customers were male while the majority of telephone banking customers were females. Australian Bureau of Statistics (ABS), 2001 stated that consumers of Western Australia, who are between 18 and 24 years of age, employed, male, have higher levels of education, and higher incomes have been examined to be more likely to use information technology that those are older, unemployed, lower incomes and have lower levels of education. The authors also examined 58.4% of the internet banking users are being in professional, administrative, managerial or para-professional occupations. This is because males in these occupations often utilize technologies such as computers and the internet in the workplace, providing them access to the required hardware and possibly encouraging a preference for online interaction with pr oviders. Filoto, Tanzi and Saita (1997); Jayawardhena and Foley (2000); Thornton and White (2001); Pereira (2002) have found these customers may be on higher incomes due to their more educated and/or highly skilled and therefore they are in occupations that need them to be more practiced at using technology-based service delivery modes. Mitchell (1998) and Tan (1999) stated that education may not be an important aspect for EFTPOS users because transactions are usually performed in retail settings and they involve retail personnel who assist the completion of transactions for consumers. Jayawardhena and Foley (2000), Orenstein (1998) and Thornton and White (2001) argued that online banking consumers are more likely to have higher than average education and they may frequently be students because of their higher exposure to technologies such as internet and computer. Councils on the Ageing (2002) stated that in some studies have recommended that older consumers may be discouraged from the utilization of electronic banking by issues such as limitation of mobility and visibility. In Jun Wu, 2005 report examined that the products and services people purchase varies during the different stages of their lives. The result of demographic age profile in this research shows that the 21 to 29 age group is dominant. Furthermore, consumers that more educated will have more money available to spend because of better education, and this influences their life-styles. Wilkie (1990) stated that it will influences which type of products they purchase, what kind of stores to purchase them in, and what prices they are willing to pay as people achieve higher education. Customers with better educated be likely to have better paying occupations than not well educated customers (Schiffman and Kanuk, 2000) because a persons level of education can affect strongly on their ability to create income and their consumer spending potential. Polatoglu and Ekin (2001) explored that high levels of education improve a consumers ability to process more complicated information and make decision s. Income is a famous demographic variable for segmenting markets due to the income levels affect consumer wants and determines their purchasing power (Lamb, 2000). Purchasing power is influenced by inflation, recession, the international valu Advantages of E-banking Advantages of E-banking Chapter 1: Introduction Introduction Nowadays, Malaysia is a multi sector economy and technology development based on the presence of many technological inventions. Traditional banking act as physical bank and delivery channel which to give customers to place or get their money out of the bank safety deposit boxes, managing checking or current accounts, paying cheques drawn by customers. However, e-banking is one of the technological inventions that give conveniences to customers to manage financial transactions on a secure website performed by retail or virtual bank, credit union or building society. E-banking is also called electronic banking which is the automated delivery of new banking services and products directly to customers through electronic, interactive communication channels. It brings many benefits and capabilities to customer compared to traditional banking. E-banking is fast and convenient way of using computer to easy access to the bank in 24hours. E-banking utilizes the internet system as the delivery channel by which to accomplish banking activity, for example, paying bills, transferring funds, viewing checking and savings account balances, paying mortgages and purchasing financial instruments and certificates of deposits (Haque et al, 2009). Internet banking enable customers to access their general information and accounts of bank products and services through PC or other intelligent device using web browser software on 24 hours a day and 7days a week, such as Netscape Navigator or Microsoft internet explorer (Mohamad, Hanudin, Suddin, Noren, 2007). The development in information technology have had an tremendous effect in development of more flexible payment methods and more user-friendly banking services in the world of banking (Serkan, Safak, Eda, 2004). There are some features that fall into several categories of internet banking which are transactional, non-transactional, financial institution administration, support of multiple users having varying levels of authority, transaction approval process and wire transfer. In transactional, e-banking act as account and financial transactions, pay bills, wire transfer and apply for loan or new account, investment purchase or sale and others. Electronic Bill Presentment and Payment (EBPP) is an electronic billing which customer can pay bill and receives payment easily, faster, and conveniently over anywhere and any times. Customer perception is interpretation of sensory mind and experienced by customer. The convenience of e-banking are attracted customers and provided no cost charged to customers. Customers have started accepting this internet service and assessing the banks based on their easy to access and convenience. With great confidence toward e-banking, customers are willing uses the internet banking to transfer fund, pay bills, and lot more with a excellent-secured system. It also can establish the relationship between trust and loyalty of customer toward e-banking. Internet banking in USA and Europe The dramatic growth in internet usage has generated a segment of customers with the ability and desire to conduct banking transactions completely online (Mathew and George, 2003). The internet explosion in the late-1990s brings people more convenience with various applications over the web. In the mid-1990s, customers using internet as monetary business transaction over the web as the financial institutions had implemented e-banking. The majority of US-based banks are escalating their investment in technology and hedging their bets while research specifies that a substantial portion of the customer base may always demand the type of personal interaction that can only be provided by individual branch personnel (Alstad, 2002). TowerGroups prediction is highlighted by CRMToday on IT spending by large banks in USA, which the amounts is 24.1 billion in 2004 as compare to 22 billion in 2002. Besides that, many US banks, such as Bank of America and Umpqua Bank are lending from social media channels, offering social networking, pod casting, web casts and other interactive tools. Now competitors can establish an internet bank for as little as $6 million in the USA compared to the cost of setting up a traditional brick and mortar bank (estimated at between $25 and $30 million) (Nathan, 1999). CRMToday (2003a) also stated that without major consumers adoption internet banking would not achieve as profitable as promise although there are increasing in amounts of online banking customers. According to the European Central Bank in 2002 (centeno, 2003), the level of services and its quality differ according to the country and the banks even though all main banks provide internet banking services. Bughin, 2001 investigated that the adoption rate is examined to be averaging only 17% of internet users or less than 6% of total bank customers. The author also stated that there are 60% internet customers do not have subject in buying books, CDs or low valued item through online but are reluctant to create online banking transactions. Furthermore, there are differences of internet banking adoption also existed among some countries in Europe. Around 18-25% of populations in Estonia are utilizing internet banking services whereas Italian bank had about no on-line customers by early 2000, banks in Malta initiated internet banking services in December 2002 (Centeno, 2003). Furthermore, there are differences of adoption among banks within the same country. Bughin (2001) stated an example, a leading banks in France have diffusion rate over 11% while minor bank such as the credit commercial de France have translated only 2% of its customers to online for the same period. Internet banking in Turkey In Turkey, there are over 18% of banking customers using e-banking actively (Jamaluddin, Osman, Sukru and Kemal, 2008). Since 1997 internet banking has been recognized as a feasible alternative distribution channel by Turkish commercial banks due to the deregulation in the financial sector, escalation of computer literacy, the rapid diffusion of electronic commerce, strong commitments to reduce operating costs, changing customer demands for innovative financial products and services and create customer convenience (Hakan, 2008). Due to the low cost of attracting customer to utilize internet banking and retaining existing innovation-demanding customers during the past two decades, most of Turkish commercial banks found it irresistible to invest large amounts in online banking although the customer take up of internet banking appeared to be very slow. In addition, the actual number of utilizing e-banking users appeared to be between 1 and 1.2 million (30%) in 2003 although 2million people (50%) were forecasted to utilize e-banking by 2003 (Akinci, 2004; Celik, 2002; Ozkan, 2003). Furthermore, in turkey the numbers of active internet banking accounts are escalating from 150,000 in 2000 to 5.5 million in 2007 and grew annually by 68 percent (Higgs, 2000). In comparison, although this illustrates that internet banking has experienced strong and sustained growth since its inception, Turkey has a lower internet banking penetration rate than that of many European countries. The research on internet banking by individual customers in the country has been required to improve customers understanding of how their particular beliefs or motives affect their utilization of the services. Internet Banking In Australia Internet banking growth continued rapidly in Australia with a 26 % increase in the internet banking customer population to 5.5 million users (approximately 34% of the adult population) going on over the 12 months to May 2005 (ACNielsen, 2005). The report stated there are over 7.2 million consumers accessed 27 millions accounts in 2003 which is an increase of 31% compared to 16.2% in 2002 (MISC, 2004). The report showed that users are more efficient in utilizing Internet banking services and transacting more amounts utilizing fewer sessions. Furthermore, internet banking services are increasingly attracted among users women and 50+ years age group is the highest growing in all category. There are 54% of Australian adults were utilizing telephone banking and an estimated 25% of employed internet banking after a period of strong electronic banking market development between 1997 and 2002. Small and medium banks in USA provide more user-friendly services than larger banks and achieved well in the area of personal internet banking, and website reliability and transactional capabilities while larger banks in Australia offer more variety services than smaller banks. Nevertheless, small and medium sized banks in Australia have found to provide more user-friendly services than larger banks and are successful in offering personal banking services. Internet Banking In Malaysia Since achieving independence in the 1957 banking activities in Malaysia has changed enormously with appearances of new technology application. In the 1980, the first Automated teller Machines (ATMs) was introduced which was be the most visible piece of evidence of the emerging electronic banking in Malaysia. ATM is a computerized telecommunications device that used for transfer funds between checking, balance enquiry, cash withdrawal, savings and credit card accounts, bill payments, making cash and check deposits and making payments to application for initial public offerings in Kuala Lumpur Stock Exchange. This technology brought the revolution were longer banking hours which unlimited beyond office hours (BNM Annual Reports, 1985-1997). Apart from this, the next changes in this evolutionary process will be the telebanking and PC-banking in the 1990s. In the early 1990 telebanking was introduced in Malaysia as delivery channel for branch financial services via telecommunications devices connected to an automated system of the bank where customers can perform retail banking transactions through using Automated Voice Response (AVR) technology. The functions of telebanking are almost similar to the ATM services except withdrawal and deposit of cash. Telebanking brings convenience, extended access and significant time saving to the customers. The insufficiency of cash withdrawal function in telebanking leads to the poor customer response to telebanking. In the 1990s, ten local commercial banks are offering PC-banking or home banking services. PC-banking is an online banking device which customer can utilize their computers in anywhere anytime for account transactions by subscribing and dialing into the banks intranet proprietary software system. PC-banking can raise speed, decrease cost and enhance flexibility of business transactions which is more suitable among corporate customers. In the half of 1990, the number of customer that utilizes this service still small. This is because they faced some problems, such as risk in transacting on the internet, lack of trust and loyalty of customer and poor of product and service quality. In this table indicates that frequency of familiarity and usage of using ATM is the highest and PC-banking is the lowest percentage. ATM can attracted all of banking customer to use this service because it really brings convenience to the customer since it can save time, reduce difficulty, and enhance flexibility of business transaction to customers. There are 80% that not using telebanking because this service cant provide any cash withdrawal function. However, PC-banking also faced lack of attraction from banking customers due to the new banking service that introduced to this country, which most of customer still unable to accept this new internet service. When customer utilize PC-banking, they may face some problems, such as risk in transacting on the internet, lack of trust and loyalty of customer and product and service quality. Furthermore, e-banking in Malaysia is become increasingly popular on developments in information technology and telecommunications. In Malaysia internet banking service (IBS) was established in six years ago (The Star, 2005). IBS is a convenience and new physical banking service which is to attain more potential customers as it allows bankers to deliver banking services to a wider segment of customers through electronic and interactive communication channels (Goi, 2005), with 12 domestic banks offering IBS to 4.5million subscribers currently (Bank Negara Malaysia, 2007). So surprisingly internet banking has become one of the popular services with 51 percent out of 8,000 of total respondents once a month. In the beginning, there are 5 Malaysia banks have invested millions of ringgit in online banking but these banks are still functioning as dial up intranet facilities. The online service is still unavailable for customers because of the insufficiency of legal framework and security concerns. The investment may be wasted due to the deficiency of important business understanding to support customer adoption if a bank introduces Internet Banking Services without a clear understanding of factors influencing customer adoption (Goi, 2005; Pires and Aisbett, 2002). In table 1 it illustrates the demographic characteristics of the internet bank users and the non-internet bank users among the sample respondents was analyzed. Mean monthly income is the only significant difference appears which it assumed that the internet bank user monthly income is highly than non-internet bank user. It also shows that there is no significant difference between the mean age of the internet bank users and the non-internet bank users. These two groups are equal in percentage of graduates and undergraduates in which both of the groups are nearly about 85%. Background of study The purpose of this research is to identify and evaluate the consumers perception toward e-banking. Consumer perception is important to bankers because of that banker can only understand and determine what customer actually wants to and how e-banking service shall satisfy them. There are some variables will be discussed which are affecting the growth of e-banking in Malaysia. From the customers perspective, internet banking assists a convenient and effective approach to control personal finances without visiting the bank and from any locations, as it is accessible 24 hours a day and 365 days in a year (Rotchanakitumunai and Speece, 2003). Through this report we will discuss about different countries have different customers perception about e-banking. This research also studies whether service or service quality will influences the trust and willingness of customer for using e-banking. Besides that, we also explore the factors which are taken to assess customer perception toward various application of internet banking. The factors that will be assessed are convenience of account transaction, flexibility, reliability, save time and cost. Internet banking is convenient, no geographical barriers, low cost and isnt bound by operational timings (IAMAIs, 2006). More than 50% of total respondents agreed that e-banking is convenient and flexible ways of banking and it also have a variety of transaction related advantages (Divya and Padhmanabhan, 2008). The purposes of internet banking consist of customer convenience through personalized service, cost containment through decline in operating cost, revenue expansion through better quality and additional non-financial services, and performance enhancement by making the service from any location (Bradley Stewart, 2002; Chau Lai, 2003; Frust et al., 2000; Suganthi Balachandran, 2001). How saving of cost and time affect the p erception of customer toward e-banking are also analyzed. So this research main purpose is to examine the variables of the actual perception of customer toward e-banking. Problem statement This research explores and examines some topics which are important elements that help in consumers perception toward e-banking. Banker should understand the need of customer so that they can improve the insufficient of the services. Banker should find out the way to attract more customers to utilize their services. In line with global trends, most customers are not focusing on this internet application. So, we need to solve this problem regarding the importance of the e-banking among customer in the local area. Customer should learn to use internet banking which can bring conveniences without going to the bank. Then customers will obtain satisfaction with the system when it provides them maximum convenience while bank transaction is occurred. The convenience of internet banking is contributing to changing patterns in cash withdrawal and day to day money management and assisting people gain greater control of their finances (Beer, 2006). On the other hand, there are few factors that lead to this problem occurrence. Firstly, not many people start to use e-banking because they still not trust on the system through internet. They will worry and always have a doubt about whether their money is safe. In addition there are few cases of fraud have been reported in online banking. The hacker wills forgery information by entering person information without the owner knowing and takes out his/her money. Secondly, there are lacks of social contact because internet banking dont have any assistance will be served to customer. It will create difficulty to the customer since in the bank there will be banker which will helps and assists customer needs. They will easily give up since there are many lack of skill problems occurred when utilizing the systems. Besides that, it is difficult to do survey since there are a lot of public are faced limitation of time, because it may take times to explain to the public. Research objective To identify what influence consumers perception toward e-banking To determine the factors that affecting consumer perception toward e-banking To find out how service quality influences internet banking user To identify the reason why customer use internet banking To solve the problem customer face toward internet banking To increase the knowledge of customer toward internet banking To improve the insufficient of the internet banking services To enhance the loyalty and trust between consumer and e-banking Significance of study This research is contributed to give customers to better understand about e-banking. There are many features and characteristics of the e-banking that many people still no realize about it. Through this research, we will interview a numeral of people and will explain about internet banking to give consumer to better understand the services that already provided to help them to ease their life. For example, CIMB offers CIMB Bank AirAsia Savers Account, a paperless account which customer will directly enjoy the convenience of viewing their account statement online without require a passbook (AirAsia Berhad, 2007-2010). Such a good service provided by bank, customer wont know about it if they no utilize internet banking. This study has combined varieties of factors from past research to study consumers perception toward e-banking. Both practitioners and academics can obtain the advantages by to better understand the consumers perception in the value of internet banking services. Furthermore, they can also identify the deficiency of the service in e-banking through this research so that the service would be improved to match customers requirement. Hence, customer can properly understand and adapt the problem that they face as necessary. In Malaysia, Maybank has become the first bank to introduce internet banking services (Maybank2u.com) and an combined web-based cash management portal on June 1, 2000. The online banking services will allow customer to perform bill payment, banking enquiry functions, funds transfer, credit card payment and accounts summary as well as transaction history (Suganthi, Balachandher and Balachandran, 2001). However, the influence of consumers acceptance e-banking in Malaysia seems more challenging because of the deficiency of information and academic in e-banking. Scope of study The scope of study is only concentrate about consumer area and perception toward e-banking. In this study, the research will be focus on MMU student, CIMB banking users and businessman that will regularly using banking service. The reason that we choose MMU student is because MMU student will often using online banking systems to pay tuition fees, transfer fund to their friends, check for their transaction account anywhere anytime. Apart from this they can teach their parent to use these services since it is very convenience and saving time, especially to those parent that very busy with their work. Besides that, we also focus on CIMB bank users which they can provide some information through interviews or questionnaires. Then, we will determine how depth the respondents understand about internet banking and what their comment regarding e-banking. Through this research we will resolve the inadequate and insufficient of service of internet banking. In addition to this, for sure business man they want to utilize something that very fast, time-saving, and can assist to their business. They can conduct most of their business on the internet and make transactions between their businesses without going to the bank. It can guarantee service quality for users conducting business transactions while utilizing IT applications and infrastructure. Through this research we can ask for some suggestion or any dissatisfied regarding internet banking from different view of business man, CIMB bank users and MMU student. Limitation of the study The extension of this study include there are large amounts of people still dont have the internet connection in their home and some dont know how to use e-banking services which will result in lack of internet banking users. There is a need for public knowledge to deal with computers and browsers since there are a lot of public still unable to use the internet applications. Besides that, it will lead to the difficulty of development of e-banking in the country. Customer may prefer visiting the bank branch because there are lacks of social contact regarding e-banking will creates difficulty to the customer since in the bank there will be banker which will helps and assists customer needs. Then it may take some time to learn and get to use to internet banking, as it requires a lot of procedures. If banks server down, customer may not access to the website. Secondly, the limitation that I faced is the difficulty of communication with the respondents when interviewing and collecting data for my research. Some of the people will resist for doing the research survey because they thought I wanted to promote or sell something. The thing that I frequently faced is meeting people who reject to answer any question before I start to talk about my research purpose. Organization of research In chapter 1, the main title is introduction which is a beginning section that states the internet banking among difference countries. Background of study explaining what about of a particular topic is placed. Problem statement is focus on the attention of the problem solving team. Research objective is writing about the purpose of this research. In significant of study, I will shift from the particular to the general, and present the importance of the study from target beneficiaries to the people in the community, to the people in the region and nation. Scope of study is focus on the coverage of areas in this research such as student and businessman. The limitation of study is about the restriction that I facing during doing this research. In addition, Chapter 2 is literature reviews. In this chapter reviews and introduces the previous journals related age, income, education, gender, convenience, perceived ease of use, reliability, saving time and cost, service or service quality and trust. I will focus on how these independent variables influence consumers adoption of internet banking. There will be an overview of some journals about consumers adoption toward e-banking will be presented which will used to examine the relationship between independent and dependent variables. In Chapter 3 it is about research methodology that including theoretical framework, hypothesis of study, data collection and data analysis. In Theoretical framework, I will suggest the integrative interrelationships among important variables in the research which is includes age, income, education, gender, convenience, perceived ease of use, reliability, saving time and cost, service or service quality and trust. There are four method are used in data analysis, which are frequency distribution, Pearsons correlation coefficient, cross tabulation and descriptive analysis. Chapter 2: Literature Review Introduction In this chapter 2, I review many journals about this topic in the various area of e-banking. In the 2.2 those journals are investigating about demographic affects the consumers adoption toward e-banking. In the 2.3, those journals are investigating the factors that influence the consumers adoption toward e-banking. In the 2.4, those journals are investigating about the service or service quality which will influence consumers adoption. In the 2.5, those journals are investigating about influence of trust toward consumers adoption. Demographic According to Kim,Widdows and Yilmazer (2005), age were influencing the attitude of consumers towards internet banking and their ability for learning how to do investment. The younger age groups of consumers are more likely to invest the time to learn to utilize internet banking because this group of consumers can generate more advantages through time saving. Besides that, higher income of consumers will have higher value of time than consumers with lower income, so higher income of the consumer can generate more advantages through adoption of internet banking. More educated consumers may involve fewer training in response to technological change if their general skills facilitate them to be taught the new technology (Bartel and Sicherman, 1998). They also indicated that adoption internet banking of well educated individuals is faster than less educated individuals due to the internet banking, new technology, and warrantees reduction of the time required for money transactions. In Padachi, Rojid and Seetanah (2007) report examined that the younger generation the more they like to utilize the new technological advancements as they are more prefer to adopt e-banking compared to the older generation. Mean age of internet banking users is 45 and 47 for non-internet banking users. Furthermore, the higher of education and income ladder will lead to the greater the probability of customer adopting internet banking. There are 57% of respondent having an education level in the category post graduate and 33% in the category of undergraduate utilizes the service. There are 48% of people using the internet banking that have the income group of Rs 30000 to 49000, which means the higher income earners are more sensible in utilizing internet. In the Jane, Jeanne and Marianne (2004) report explores the discoveries of demographic correlates of technology acceptance have constructed varying results with respect to important relationships to adoption. Men and women show to have dissimilar acceptance rates of specific computer technologies which men will more prefer on adopting technologies application(Gefen and Straub, 1997), but gender appear not to be found to have a direct on adoption of technology in general (Taylor and Todd, 1995; Gefen and Straub, 1997). The research show that the probability of higher income households ($75000 or more) being current users of ABP was 15 points higher than low income households (under $25000) and was more likely to adopt e-banking. However, research examined younger persons are being more likely to adopt which has also linked age and adoption of technologies (Zeithaml and Gilly, 1987; Trocchia and Janda, 2000; Karjaluoto, 2002; Lee, 2002). The research shows that the age of 65 of respond ents were less likely to adopt phone banking and PC banking compared to medium and youngest group. People with married status are more likely to adopt than single males or females because when it comes to bank accounts, married couples may have jointly held accounts. In region variable households living in the northeast were more likely than in the midwest to have adopted or to intend to adopt phone banking or ABP. In the Demographic characteristics of Western Australian users of electronic banking journal published by Catherine, Simone and Katherine (2005) explored that most online banking customers were male while the majority of telephone banking customers were females. Australian Bureau of Statistics (ABS), 2001 stated that consumers of Western Australia, who are between 18 and 24 years of age, employed, male, have higher levels of education, and higher incomes have been examined to be more likely to use information technology that those are older, unemployed, lower incomes and have lower levels of education. The authors also examined 58.4% of the internet banking users are being in professional, administrative, managerial or para-professional occupations. This is because males in these occupations often utilize technologies such as computers and the internet in the workplace, providing them access to the required hardware and possibly encouraging a preference for online interaction with pr oviders. Filoto, Tanzi and Saita (1997); Jayawardhena and Foley (2000); Thornton and White (2001); Pereira (2002) have found these customers may be on higher incomes due to their more educated and/or highly skilled and therefore they are in occupations that need them to be more practiced at using technology-based service delivery modes. Mitchell (1998) and Tan (1999) stated that education may not be an important aspect for EFTPOS users because transactions are usually performed in retail settings and they involve retail personnel who assist the completion of transactions for consumers. Jayawardhena and Foley (2000), Orenstein (1998) and Thornton and White (2001) argued that online banking consumers are more likely to have higher than average education and they may frequently be students because of their higher exposure to technologies such as internet and computer. Councils on the Ageing (2002) stated that in some studies have recommended that older consumers may be discouraged from the utilization of electronic banking by issues such as limitation of mobility and visibility. In Jun Wu, 2005 report examined that the products and services people purchase varies during the different stages of their lives. The result of demographic age profile in this research shows that the 21 to 29 age group is dominant. Furthermore, consumers that more educated will have more money available to spend because of better education, and this influences their life-styles. Wilkie (1990) stated that it will influences which type of products they purchase, what kind of stores to purchase them in, and what prices they are willing to pay as people achieve higher education. Customers with better educated be likely to have better paying occupations than not well educated customers (Schiffman and Kanuk, 2000) because a persons level of education can affect strongly on their ability to create income and their consumer spending potential. Polatoglu and Ekin (2001) explored that high levels of education improve a consumers ability to process more complicated information and make decision s. Income is a famous demographic variable for segmenting markets due to the income levels affect consumer wants and determines their purchasing power (Lamb, 2000). Purchasing power is influenced by inflation, recession, the international valu