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

The River Why - Eddy quotes Essay -- essays research papers

Eddy Eddy changes Gus in three different ways: when she directly interacts with him, by her absence and by her reappearance. On their first encounter with one another Gus is compelled by her differences in dress, techniques and gear. After she leaves, Gus feels a â€Å"need† to fulfill his empty life. Finally when she shows back up in his life, Gus then has everything he could ever ask for: a beautiful woman who loves to fish, just like him. Page 151: â€Å"A barefoot girl. A full-grown one. One who wore the top tenth or so of what had long ago been a pair of blue jeans. One who wore a short, skin-tight, sleeveless sky-colored t-shirt through †¦which revealed the shape of the†¦Ã¢â‚¬  Gus describes his first view Eddy, after having snuck his way up to the tree where she sat â€Å"motionless† not noticing him. His attention is soon diverted, if not completely towards her odd pole and gear. Lying to himself as he checked out this â€Å"research project† he notices how her gear is like nothing he had seen or used before, but his mind never full wonders from Eddy. (Page 151) Page 151: â€Å"Her fishing equipment was innovative also; she appeared to have no creel or equipage or container of any kind apart form her pole and line and whatever was on the end of it. There was the possibility of a few spare hooks or leaders in the pockets of the fraction of blue jeans †¦but the theory grew tenuous†¦As to the possibility of fishing tackle concealed with in the sky-colored t-shirt, this was even less likely. Nevertheless I considered the problem long and carefully, scanning every least curve of the thin material, reluctant to give up the search.† While Gus is checking her style out he realizes that Eddy was important and he needed to learn from her. He describes his sudden thirst for knowledge about Eddy as follows: Page 150: â€Å"She must be an extraordinary person, well worth watching, well worth meeting, well worth thinking about, an exceptional fisherman, and I was, what I was, I was learning, yes learning: I was learning like crazy. I’d never learned so much so fast before†¦Ã¢â‚¬  Watching Eddy fish, Gus absorbs a lot of information that before was totally unseen to him. Not only about fishing, but about this woman and about himself, needing to learn from her. He says on page 152 â€Å"I felt for the first time that I was in the presence of a fishing genius exceeding my own.† He is enthralled by her fishin... ... a mouse could sing I just might see Eddy again.† Along his journeys Gus comes across a writer for a newspaper article and made up a story to the over zealous, unskilled fisherman, who wrote about fishing. In the end of the article he put a note to Eddy. Page 217: â€Å"Will the girl who ran form the guy who recited Izaak Walton I the tree please contact Gus on the other river he named. He has your rod and fish and wants to return them. He is totally harmless, but urges you to bring a loaded fun if frightened, as long as you come. Thank you.† Through out his waiting and searching for Eddy he changes dramatically. He feels the need for his live to be fulfilled, and he strives for it by doing new things. He acquires a new load of friends and things from swapping, but he was sad for those who did not have what he could have and for other reasons. Page 221: â€Å"†¦also because I had so much to share, but nobody to share it with.† Then Gus goes into making her a rod like her old one, but with improvements. Like a 14 foot pole, belly reel with a waist strap and some good line in it. The hope still lives on to see her once again and he is striving to make a good impression on Eddy this time.

Hiring Outsiders Essay

This is why companies look to hire people from the outside. They do this because they are looking with people who will bring unique skills to the company. Also, it can give the company new ideas and new energy for the work place. The article states that â€Å"the thought processes are common among workers and bosses, and  a new study  shows how they play out. The study, by  Matthew Bidwell, an assistant management professor at the Wharton School of the University of Pennsylvania, found that external hires, on average, make around 18 percent more money than internal employees with similar positions. I found this statement to be a very interesting point when it comes to the debate on whether or not to hire or not from the outside. It definitely shows that the numbers are better for profit, so that is definitely a big positive when it comes down to the question for managers who ask should they hire externally? However, later on in the article it states that in that same study, th ey perform less well in the first two years and are also more likely to leave or be let go. This is why companies don’t hire from the outside, because it takes to long for the employees to get use to the company they were hired at, rather then the one they were doing well at previously, this is one con of hiring from the outside. There are many other disadvantages about hiring from the outside as well. One of these factors would be it increases the chances of the work place morality to drop. What I mean by this is that if the people in the work place of the current company they are at hire other people for positions they are qualified for, this would possibly tick people within the company ff, and maybe even question those people if they should stay with the company or not. I remember you gave an example in class about how you were brought in for a company and one employee even confronted you and said how you took his job. This can definitely make the work place very uncomfortable for employees at the job. Just because a person did good at their current job does not mean they will automatically do good for the new company that hires them. The new employee will have to adapt to the new culture of the company and this can be very hard for new employees. Also, giving employees a chance to be promoted if they work hard is a benefit of hiring from the inside. This incentive definitely gives people something to work hard for and try to earn. I know for me, I don’t want to switch jobs a lot and if I were working at a place I would love the opportunity to keep moving up in the company if I was working hard. The article talks about how people within the company know the â€Å"do’s and don’ts of the company. † New people that companies bring in are unaware of what to do in certain situations and probably don’t have a very good idea of what the company is about compared to people that work within company. I definitely understand about what companies are trying to do from the outside, but some companies are blind to the fact that it will take a while for the new employees to gel in with everyone and the work place of the company. Overall, of course there is many benefits that include hiring from the outside, which include fresh skills and ideas. But the article states that Professor Groysberg says employers need to be much more strategic about hiring so that the organization has the right mix of old and new. This is a very important statement due to the fact that a company must decide is it really important that they absolutely need someone from the outside rather than someone who is already working there already? For employees that put in their two weeks because they are unhappy with the company hiring from the outside, the article has a very good solution for this. In the last meeting, it is important to ask what can we do to keep you here. Most of the time, people will say a raise. A good answer to this question would be we understand you want that but we don’t know if that’s possible, what else can we offer to you that is important to you? Answers like these will definitely help people from quitting to staying at the company.

survey Example

Drafting The Interview/survey Example Drafting The Interview/survey – Essay Example ID Number & Drafting the Interview Survey Interview The person interviewed was notonly very informative but also very enthusiastic in sharing her thoughts and ideas with regards to the subject matter. After the actual interview, it is interesting to learn how the interviewee can provide subjective response to each of the research interview question. By asking open-ended research interview, the person being interviewed can provide her response based on her own personal experiences. During the actual interview, what struck me most is the research participant’s non-verbal cues. To each of my questions, the research interviewee was actually sending me different facial expressions and different body language. Each time she is in the process of thinking of what to tell me, she tends to either close her eyes for a second or stare blankly at the ceiling. Basically, her non-verbal actions made me realize why the use of a one-on-one interview is better than e-mail interviews. What I wan t to learn more is how to decode these non-verbal cues.Survey The actual survey results gave me a more generalized idea with regards to the research topic. The most interesting part of the research survey result is the pattern of their answers. Pertaining to how each of the research survey participant perceive the research questions, the pattern shown in the actual research survey results indicate the similarities and differences in their personal opinions. It is surprising to know that similarities in their response strongly suggest that the research survey participants have the same perception with regards to the research question. On the other hand, differences in their response show that the research survey respondents have opposing ideas to the research question. The research finding is in accordance to my own opinion with regards to the research topic. Therefore, the research findings actually helped me validate my idea with regards to this issue.

Bright Horizons Business Analysis

Bright Horizons Business Analysis Free Online Research Papers The company Bright Horizons offers innovative, employer sponsored quality child care and early education. Bright Horizons can be identified in the early education industry based on the definition of an industry which is a â€Å"group of organizations offering a similar product or service to the same customer group and/or drawing from the same resource pool (Strategic Planning a Practical Guide 2008). Bright Horizons does however, have some differences from other early education industries mainly on account of the fact of being employer sponsored. Therefore, it can be set apart from other early education centers since it can be considered a private early education industry as well. Early childhood education has many factors that link education to economic growth. The key macroeconomic variables that affect early education industries such as Bright Horizons are employment and increased gross domestic product. According to Belfield of the University of New York (2006), the increase in employment can be accounted for because, â€Å"female labor force participation rates are increased somewhat, although the effects appear to be largely a function of mothers’ entry into the workforce a few time periods earlier than they otherwise might have. The labor force participation effects for those who receive early child education are also positive.† By more mothers entering the workforce because they feel comfortable sending their child to an early childhood center welfare also decreases. Early childhood education centers, such as Bright Horizons, are programs that allow parents to work, so in turn households increase labor market participation. Furthermore, studies show that children who invest time at a young age in early childhood ed ucation centers are said to have increased high school graduation and progress into college. Additionally, they go into the workplace at a higher rate than children who do not participate in these centers, therefore, raising economic growth. A second macroeconomic variable that affects Bright Horizons is gross domestic product. Gross domestic product in this case is increased based upon human capital. Human capital is not only a function of the initial stock the individual is born with (genetic luck) but is produced over the life cycle by families, schools, and firms, although most discussions of skill formation focus on schools as the major producer of abilities and skill (Cavlier, 2006). By acquiring specific numbers of children product placement and construction increase. For example, by opening up a new early childhood education center new buildings are needed, new toys need to be acquired, and other supplies in general need to be purchased. The companies making these products also have an increase in production when working mothers feel content with their child’s early childhood center. This increase is based upon a working mother’s comfort level allowing her to be more productive in the work en vironment. A central conclusion of a vast body of research is that in most countries efficiency in public spending would be enhanced if human capital investment were directed more toward the young and away from older and less-skilled for whom human capital is a poor investment (Cavlier, 2006). Bright Horizons faces several challenges and opportunities in the future. The main challenge comes into play because the company is an employer sponsored company. The challenge of being an employer sponsored company lie within companies themselves wanting to invest in an early childhood education center. With the job forces decreasing many companies do not want to involve themselves with the extra expense to open or invest in such a large facility. Another challenge is the turn-over rate. The average pay for a child care worker is $12.34 according to the Bureau of Labor Statistics. This often means that someone interested in the field will use early childhood education centers as a stepping stone to furthering their career in education. On the other hand, some of the opportunities an early childhood education center such as Bright Horizons has to offer are job availability, location, and increasing number of women entering the workforce. With employment expected to increase by 18% in the next 8 years there are many opportunities to find a position in an early childhood education center. Additionally, with the availability increase more facilities have to be built therefore, the locations of centers will be more desirable. More women entering the workforce allow more children to have the chance to attend early childhood education which in turn creates more positions to work for. In conclusion, by looking at the projected employment outcomes for early childhood education center this is a growing industry. This industry will seemingly continue to grow for years to come making more need for centers such as Bright Horizons to exist. References Arts Manager. (2008). Strategic Planning. Retrieved March 14, 2008, from artsmanager.org/strategic/primer/chapter3.cfm Blefield, C. (2006). Macroeconomics of Preschooling. Retrieved March 15, 2008, from http://nieer.org/resources/research Cavlier, A. (2006). Economics and Early Childhood Economics. Retrieved March 16, 2008 from iscpa.org Research Papers on Bright Horizons Business AnalysisPersonal Experience with Teen PregnancyInfluences of Socio-Economic Status of Married MalesStandardized TestingResearch Process Part OneThree Concepts of PsychodynamicHip-Hop is ArtEffects of Television Violence on ChildrenPETSTEL analysis of IndiaAssess the importance of Nationalism 1815-1850 EuropeRelationship between Media Coverage and Social and

The Significance of Art Education to Stakeholders Thesis

The Significance of Art Education to Stakeholders - Thesis Example The results indicate that most of the teachers, administrators, and members of the board of education valued art education. This is seen where 70% of the teachers felt that art education should not be eliminated during budget cuts, with 20% of them disagreeing with the idea that art education should not be eliminated during budget cuts. In addition, 80% of the administrators and all members of the board of education agreed that art education should not be eliminated during budget cuts. This response is an indication of the high value teachers, administrators, board of educators and the commuity at large, have to art education. This high regard for art education is seen where all teachers agree that art education increases the visual and spatial skills of the learner. This response was also seen with the administrators and board of educators. Where, 60% of the administrators strongly agreed and 40% agreed, while 40% of the members of the board of education strongly agreed with 60% agr eeing, that art education increases the visual and spatial skills of the learner. These results are in agreement with literature, that indicated that the arts play an important role in enhacing the intrinsic value and general academic achievement of the student (Ashford, 2004,

The Rationale for Banning The Outsiders Essay Example | Topics and Well Written Essays - 750 words

The Rationale for Banning The Outsiders - Essay Example As an initial matter, before addressing why the book was banned in certain schools, it is useful to summarize the plot generally. The protagonist in this story was Pony Curtis. Pony was a young boy whose parents had died in a car accident; as a result, he was cared for by his twenty year old brother, Darry. Pony was poor, though clever and a good student, and he did what all boys in this neighborhood did. He joined a gang, named the Greasers, and hung out with his gang as if they were an extended family. There was a rival gang, the Socs, made up of rich boys from a another neighborhood. A gang rivalry existed between the two, and one day a fight ensued in which Pony's good friend killed a member of the Socs gang in self-defense. Pony's friend later died, and another friend was shot by the police after going crazy and trying to rob a store with a gun. Pony, however, did not suffer the same fate as his friends; rather, after being inspired by a letter from Johnny, he decided to reconci le with his older brother and to try and improve his life. In short, Pony decided to reject the outsider lifestyle and to participate more productively in his society and community. Given the hopeful ending, the transcending of obstacles, it seems odd that the book was so heavily criticized. The first The first basis for criticism was that the novel promoted gangs. More specifically, this line of reasoning argued that the novel, by including both rich and poor children in gangs, glamorized and encouraged young readers to pursue similar affiliations. In this way, the novel's critics believed that the novel was divisive, socially destructive, and immoral. It was socially divisive because it pitted rich boys against poor boys; it was socially destructive because violence was used as a conflict resolution tool for disputes; and, finally, it was immoral because the gang lifestyle promoted laziness, substance use, and revenge. Indeed, the central role of gangs in the novel was a central foundation for the criticism which ensued. A second criticism was the use of violence by young boys. One can distinguish between clubs with mild-mannered rivalries and gangs with deeper notions of rivalry and revenge. It is one thing to portray youthful pranks; in the minds of the novel's critics, however, it was quite another thing to portray children and adolescents intending to cause serious physical harm and genuine emotional trauma on their rivals. A particular example was the use of weapons in the novel. These gang members, for instance, carried knives, bats, and guns. Rivals weren't simply embarrassed. Quite the contrary, as in the case of Johnny's conflict with Bob, some people were killed. Thus, in addition to the portrayal of gangs, the vivid depiction of violence also furnished a strong basis for the subsequent criticism. A third criticism was the prevalence of substance use and abuse by underage boys. The references to cigarettes and alcohol were also found objectionable. These boys were underage. By associating public figures, in this case fictional characters from a popular novel, with substance abuse, many people argued that schoolchildren would be influenced to behave similarly. Today's cigarette-smoking adolescents will become tomorrow's marijuana users was the fundamental criticism. These