A study on consumer satisfaction towards atm services provided br various banks free essay sample

ATMs were introduced to the world in 1983. These modern marvels of technology were well received by consumers because they made it possible for them to access money from their credit cards or debit cards 24 hours per day with a quick and simple system. ATMs also made it possible for consumers to travel in a safer manner because they no longer had to carry large amounts of cash with them. Instead, they could access money anywhere in the world with the help of the ATM. Although ATMs made certain aspects of life safer, it did make it easier for counterfeiters and thieves to take advantage of unsuspecting consumers. After all, it only took having the card and a PIN (personal identification number) to access all of somebody’s funds. For this reason, Visa soon introduced the Visa Risk Identification Service. This computer-based program was capable of identifying suspicious transactions and putting an end to them if there was reason to suspect it was fraudulent. We will write a custom essay sample on A study on consumer satisfaction towards atm services provided br various banks or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page This type of system is still in use today, with individual banks having their own unique systems to help keep you safe. In addition, many countries are putting other protective barriers in place to ensure the transactions placed on credit cards and debit cards are truly authorized by the owner. The banking has undergone a major change due to the adoption of E-banking. One often latest channels of distribution to be used in the financial services organizations is electronic banking; this method was established in the mid 1990s, thereafter steadily becoming more important (Allen et al, 2001). E-banking can offer speedier, quicker and dependable services to the customers for which they may be fairly satisfied than that of manual system of banking. E-banking system not only generates latest viable return, it also offers its better dealings with customers. The most widely used e-Banking instrument is the automatic teller machine (ATM) card. The Indian ATM industry has seen explosive growth in recent times. ATMs represent the single largest investment in the electronic channel services for the Banks. In India, HSBC set the trend and set up the first ATM machine here in 1987. Since then, they have become a common sight in many of our metros. ATMs have gained prominence as a delivery channel for banking transactions in India. Banks deploy ATMs to increase their reach. As far as the customer satisfaction is concerned with regard to  E-banking services, ATM services play an important role as they make easy of banking transactions for customers. ATM means neither â€Å"avoids travelling with money†nor â€Å"any time money† but certainly implies both. Slim ATM cards are fast replacing confounding withdrawal forms as a convenient way of getting your money from banks. In a way, they are rewriting the rules of financial transaction. Automated teller machines (ATMs)were the first well-known machines to provide electronic access to customers. With advent of Automatic Teller Machines (ATM), banks are able to serve customers outside the banking hall. ATM is designed to perform the most important function of bank. It is operated by plastic card with its special features. The plastic card is replacing cheque, personal attendance of the customer, banking hour’s restrictions and paper based verification. ATMs have made hard cash just seconds away all throughout the day at every corner of the globe. ATMs allow you to do a number of banking functions – such as withdrawing cash from one’s account, making balance inquiries and transferring money from one account to another using a plastic, magnetic-stripe card and personal identification number issued by the financial institution. The Indian ATM \ industry has seen explosive growth in recent times. ATMs represent the single largest investment in the electronic channel services for the Banks. In India, HSBC set the trend and set up the first ATM machine here in 1987. Since then, they have become a common sight in many of our metros. Automated Teller Machines (ATMs) have gained prominence as a delivery channel for banking transactions in India. Banks have been deploying ATMs to increase their reach. While ATMs facilitate a variety of banking transactions for customers, their main utility has been for cash withdrawal and balance enquiry. As at the end of October 2007, the number of ATMs deployed in India was 31,078. According to some estimates the total cash movement through ATMs across India was around Rs. 70,000 crore in FY 06. Clearly, industry watchers forecast a bright future for ATMs in India. While the ATM is a great service for customers, for the banks it means immense savings on the cost of operations OBJECTIVES OF THE STUDY: To study the customers preference towards ATM facility provided by banks. To  study the awareness level of customers towards ATM facility provided by banks. To study the existing practices of customers towards use of ATM cards. To study the opinion of customers towards the ATM facility provided by banks. To study the factors that influences the customers to prefer ATM facility of various banks. To analyse the various problems faced by customers in ATM centres. To study the satisfaction level of customers towards the ATM services of banks. To provide suggestions on the basis of the results of the study. Methodology The following is the methodology adopted in the study Area of the study: Area of the study refers to Coimbatore city, which is well known for textile and engineering, banking and insurance industry. Sample size: It refers to the number of items to be selected from the population to constitute a sample. The sample taken for the study is 100. Sources of data: The study has used primary and secondary data. Primary data was collected by questionnaire method. The questionnaire was prepared in such a way that they are simple and understandable so as to enable the respondents to express their views and opinions freely and frankly. Secondary data was collected from respective books, journals, magazines and websites. Sampling design: Random sampling method has been used in the study for the purpose of making analysis. Tools for the analysis Simple percentage analysis has been adopted in the study.

10 Demographic Names and Expressions

10 Demographic Names and Expressions 10 Demographic Names and Expressions 10 Demographic Names and Expressions By Mark Nichol In researching various words used to describe the common people, I came across a scattering of other demographic denominations, including a couple (bobo and clerisy) I hadn’t known before. Like the previous list, this collection, which ranges in nature from sociological designations to synonyms for the learned to slang (and which is annotated with notes about each term’s connotation), may also help enrich your vocabulary: 1. Bobo: Someone with conflicting bourgeois and bohemian tastes; the word is a partial abbreviation of those two descriptors. The offspring (or modern equivalent) of yuppies, bobos favor liberal and progressive causes but are also conspicuous consumers thought of as having bad taste and banal interests. Pejorative. 2. Boomer: A person born during the post-World War II baby boom (roughly 1946-1964), a period in which, due in part to postwar prosperity, the US birthrate increased dramatically. The connotation is of a sociopolitically influential demographic growing up during a period of rapid and volatile social change. It also implies, at this point, a significant proportion of the US population becoming elderly and, because of boomers’ concerns and values, having a dramatic impact on issues of employment, retirement and retirement benefits, and health and welfare. Neutral. 3. Clerisy: Intellectuals as a class. From the German word Klerisei (â€Å"clergy†), derived from the Latin term clericus (â€Å"cleric†); at one time, literate people were for the most part confined to the clergy. Neutral, but obscure. 4. Demimonde: Originally, mistresses and prostitutes as a class, whose only attachment to respectable society is their benefactors and clients; the term, French for â€Å"half-world,† now has a broader sense of a social group segregated from society as a whole. Euphemism. 5. Hipster: An affectedly unaffected person, characterized by a self-conscious appearance and ostentatious about following cutting-edge social and technological trends. Derogatory. 6. Homeboy: A close friend, or a fellow gang member; originally applied to someone from one’s hometown. The term and its diminutive, variably spelled homey and homie, derived from usage by black and Latino twentieth-century urban migrants who associated with others who had come from the same city or town. Generally neutral, but also can be negative, because of racial associations. 7. Intelligentsia: Intellectuals as an elite subculture. From the Russian intelligentsiya, based on the Latin word for â€Å"intelligent.† Neutral, but dated. 8. Literati: Intellectuals, or those interested in the arts. The word, with a slight spelling change, is directly from Latin. Neutral. 9. Philistine: A materialistic, anti-intellectual person. The name (generally styled lowercased) stems from that of a tribe referred to in the Bible as being hostile to the Israelites, and therefore, by extension, inimical to culture. Derogatory, but also usually somewhat facetious. 10. Yuppie: A materialistic, social-climbing white-collar worker, socially liberal but economically conservative. This term, a diminutive of the acronym for â€Å"young, urban professional,† originated in the economic boom of the 1980s but faded with the downturn of financial fortunes later in the decade, though the stereotype, and those who inspired it, are still extant. Pejorative. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Expressions category, check our popular posts, or choose a related post below:7 English Grammar Rules You Should KnowPeace of Mind and A Piece of One's Mind50 Words with Alternative Spellings

Essay applying theories of political economy to music

Applying theories of political economy to music - Essay Example The newer pop and rock music that is being included in each genre, as well as from the Big 6 music corporations, are specifically leading many to have a commercialized expression that will always sell within the genre. The music is becoming a superstructure of what sells, as opposed to providing genuine music. When looking at the different aspects of the top 20, it can be seen that commercialization has taken over the different genres, as opposed to independent artists and variety. The top 20 on itunes included mostly pop and hip hop music, with only one country song and one alternative rock song. The genres continued with the Big 6 having several smaller branches that were sponsoring the artists, as opposed to a larger corporation. However, none of the artists were independent and all were signed to a contact with the Big 6. The same trend was seen at the Last FM site. Most of the artists were in the genre of dance and pop music. The majority of the artists were also signed over to the Big 6 or a branch of the larger corporations. In the Last FM component, there were more rock and alternative sounds with two to three Indie musicians that were mixed in with the others of this genre. However, Last FM also had several of the same artists playing with different songs for a similar affect. Fr om the two areas of Top 20 that were analyzed, several assumptions could be made. The first is that specific genres, such as pop and hip – hop, are the most popular in society on a global level. The second is that the Big 6 are continuing to create a mass response to what individuals are demanding in society. It can also be assumed, from this analysis, that specific musicians are more popular than others and are instantly hitting the Top 20 on a global level, which shows a mass response to cultural icons and artists that are being promoted by

Role of transfer in second language acquisition Essay

Role of transfer in second language acquisition - Essay Example Most researchers now presuppose that innate principles and transfer interact in L2 development, but researchers have varying positions on how these interactions take place (Gass 1996). This paper explores second language (L2) acquisitions theories and their analysis of the role of transfer. Universal-grammar based approaches contend that transfer has a significant role to play in L2 acquisition through the exercise of innate principles (Universal Grammar or UG) (Gass 1996:330). Two major alternatives explanations have been expressed by studies. First, learners have access to UG either (a) completely, in the way that children do, or (b) partly, in ways that other variables, such as L1 may interrelate with UG and avoid complete access to UG. Second, learners cannot access UG (Gass 1996:330). When exploring these possibilities, the first (UG access) hints that UG is the preliminary access stage for L2 grammar development. In the strong account of UG access, UG limits grammar development through the complete process of L2 acquisition; in the weak account, UG is the initial point, but the L1 is a vital part of the process, successfully stopping the full use of UG (Gass 1996:330). The second likelihood indicates that the L1 is the preliminary point and provides the foundations on which L2s build up (Gass 1996:330). Principles are important in second language acquisition and accessible to all humans during the acquisition of L1.Otsu and Naoi (1986) studied the principle of Structure Dependence, which asserts that linguistic rules work through structural units, through investigating data from Japanese learners (ages 14-15) of English (Gass 1996:330). The focus was on L2 question formation with subjects that have relative clauses (Gass 1996:330). In Japanese, questions are made by adding a particle without changing the word order. This means that from L1, there is lack of available information on how question formation is processed in English (Gass 1996:330). Generally, the subjects observed the limitations of the structure dependency, although by the age of the subjects, the results may not directly shape L2 acquisition as adults (Gass 1996:330). The goal of the study was to establish access to a principle that cannot be found in L1. Nevertheless, White accurately recommends that this principle may still manifest in NL through other structures (Gass 1996:330). If this is true, it is not certain if UG is directly accessible to L2 learners or whether it is accessible through the L1 (Gass 1996:330). Another theory that has recently surfaced is the Full Transfer/Full Access theory (FTFA) (Schwartz and Sprouse 1996), which has greatly influenced the literature. This theory argues that at the beginning of L2 acquisition, the L1 grammar is being transferred in full (except the phonetic structures of lexical items). Consequently, this grammar will be restructured, as limited by the UG (Schwartz and Sprouse 1996). Hence, the L1 provides the foundation for L2 acquisition. It suggests that a Turkish speaker learning English will use grammar based on Turkey, so that the English language can be learned. For instance: 1) I see a red house. 2) Ben k?rm?z? bir ev gorurum. In order to learn number one, Turkish speakers use their L1 grammar. In the Competition Model (Bates and MacWhinney 1981), transfer plays a large role. The model assumes that form and function cannot be detached from one another, which is its

Writing skills Essay Example for Free

Writing skills Essay The study of Neville looks in the way of addressing academic literacy within the University level. He highlighted several important factors that make such feat difficult for students to achieve. â€Å"In this paper I describe examples of students’ difficulties in developing academic literacy, and show how these difficulties relate not only to students’ own developing understanding of academic Discourse but also to their awareness of themselves as apprentices of it. † (Neville, 1997, p. 40) It is through this that the author mentioned the factors of truly understanding the nature of reading and writing among students that impedes such process. â€Å"For many students, difficulties with academic literacy most immediately concern the actual process of reading or writing rather than what is finally produced. † (Neville, 1997, p. 40) It is through these issues that both the content and final product outputs are compromised. It is through this that he highlights the different facets both in reading and writing that seems to be problematic. With this, he interpreted the understanding of academic culture as a means of addressing such deficiency in writing skills. â€Å"Academic culture is concerned with the development and communication of knowledge, and academic writing has evolved to meet the needs of culture. † (Neville, 1997, p. 41) On the other hand, in relation with reading, the author argued that there needs to be better insights on how reading should be among students. â€Å"They must themselves become academic readers, and so treat reading not as mere preparation for writing – productive, but passive and safe – but critical and active process itself. † (Neville, 1997, p. 41) In the end, Neville argued that students – if such actions continue to be present within the educational system, may experience difficulties coping with these standards. â€Å"It is time for academic literacy, literacy at the tertiary level, to take a legitimate place on the political and educational agenda. † (Neville, 1997, p. 49) Reference: Burke, D. J. (1995) ‘Connecting Content and Motivation: Education’s Missing Link’ in Peabody Journal of Education. 70 no. 2 Retrieved March 24, 2008. pp. 66-81 Establishing the need for educational motivation within the content of teaching is what Burke emphasizes in the article. He sees the foundation of learning to be linking and finding the gap between content within the curriculum and motivation for both students and teachers. After which he pointed out the problem concerning the presumption that content and motivation should be treated separately. â€Å"Unfortunately for students and teachers, perhaps equally so for learning, until separate and unequal treatment of the content-motivation relationship is replaced by their colligation, academic achievement should not be expected to rise significantly† (Burke, 1995, p. 70) After such analysis and explanation of the problem, he then pursues the importance of motivation in educational institutions. â€Å"Motivation is always in ‘potential form’ until it impels or ignites activity. † (Burke, 1995, p. 70) He highlights the importance of putting motivation hand-in-hand with content so as to create a foundation of a deeper understanding of the curriculum imparted to students. Through this, Burke dwells into the issue of motivation by dwelling on its relevance to psychology particularly among students. â€Å"The successful teacher, in order to facilitate the connection between motivation and content, will be better-served by an outward sensitivity to psychological factors including learner need identification, be it social, physical, emotional, or intellectual. † (Burke, 1995, p. 70) With this, the article pointed out the responsibility of the educator to formally create mechanisms and practices that will promote and uplift motivation among students. This can be done by creating facilitation techniques and skills that will test and create an environment for motivation. â€Å"A variety of learning activities, specific content objectives, and wide-ranging instructional techniques should be designed for every learning experience. † (Burke, 1995, p. 70) Reference: Bringle, R. G. and Hatcher, J. A. (1996) ‘Implementing Service Learning in Higher Education’ in The Journal of Higher Education. 67 no. 2. Ohio State University Press. pp. 221-239. Incorporating service learning within the realm of higher education is the main argument proposed by both Bringle and Hatcher. They emphasized its relative importance not only to the social development of students. But on the other hand, it seeks to promote a holistic experience to educators and students. â€Å"We view service learning as credit-bearing educational experience in which students participate in an organized service activity that meets identified community needs and reflect on the service activity in such a way as to gain further understanding of course content, a broader appreciation of the discipline, and an enhanced sense of civic responsibility. † (Bringle and Hatcher, 1996, p. 222) Learning for them, must be understood not only as a activity and action that revolves around the confinement of the classroom, but also on other facets. With this, the article provided methods and practices that can create service learning within the branch of higher education. Both authors provided a model (CAPSL) that seeks to address the initial program on hand. They proposed different schemes starting from the initial planning stage towards the completion of the overall program. It is through this that they adhere the relative importance of universities. â€Å"The university, as an institution, can be both the means of and the object of data collection that monitors program development, evaluates institutional outcomes, and publishes the results of this research in professional journals. † (Bringle and Hatcher, 1996, p. 227) By creating a collaborative effort for all actors within the academe and educational sector, the program and dynamics can itself create awareness, practice and mechanism for change. â€Å"The CAPSL provides a heuristic for guiding the development of a service learning programs in higher education. † (Bringle and Hatcher, 1996, p. 236) References Bringle, R. G. and Hatcher, J. A. (1996) ‘Implementing Service Learning in Higher Education’ in The Journal of Higher Education. 67 no. 2. Ohio State University Press. pp. 221-239. Burke, D. J. (1995) ‘Connecting Content and Motivation: Education’s Missing Link’ in Peabody Journal of Education. 70 no. 2 Retrieved March 24, 2008. pp. 66-81 Nevile, M. (1996) ‘Literacy culture shock: Developing academic literacy at University in Copyright Agency Limited. 19 no. 1 Retrieved March 24, 2008. pp. 38-51

Minority Cultures in Pittsburgh Essay -- Sociology, Culture, Jewish Co

Minority Culture --- Jewish Theme 1 --- Holidays/Traditions There is no way to define someone as â€Å"Jewish† in terms of race; there is no â€Å"Jewish race.† Judaism has a long history; Jewish identity is a combination of this history as well as religious and ethnic variables. There are also several different ways to practice Judaism such as Orthodox, Reformed, Liberal, and Masorti. The Orthodo Jews often follow most strictly the laws and observances of Judaism and will often times send their child to privates Jewish schools at synagogues, therefore it is most likely that I would encounter students that practice as less strict form of Judaism (Chinn, Gollnick p.254). According to 2009 religious affiliation information from the US Census, Pennsylvania’s Jewish population makes up 2.3% of the total population (Table 76. Religious bodies selected data) and according to the Jewish Virtual Library 88% of the Jewish population in Pennsylvania resides in Pittsburgh or Philadelphia (Pennsylvania). One holiday that is uniform amongst all Jewish cultures is Hanukkah. Hanukkah is not considered to be a â€Å"high† festival because it is not regulated in the Torah; however Hanukkah is important to Jewish families because it signifies their refusal to integrate into mainstream culture. Hanukkah has very clear origins. It was first celebrated in 165 B.C.E. when a small group of Jews (The Maccabees) overcame the Syrian oppressors to preserve their culture and way of life and re-dedicate their temple which had previously been taken over by the Syrians. The Syrians sought to destroy the Jewish faith and convert all Jews over to Hellenism (Cardoza p. 83-84). One of the most recognized practices of Hanukkah is the lighting of the eight candles on the... ...e importance of education for children. Many Jewish families will set aside time and money to ensure their children receive a good education in all aspects, including school, religion, and extracurricular activities (Jewish family life and customs: a practical guide). When Jews began immigrating to America they immediately embraced education as the proper path to success and opportunity for themselves and for their children. This is perhaps the reason from the shift in importance of strictly religious studies to the importance of a â€Å"secular† education in the public schools. In a documentary series by David Grubin entitled The Jewish Americans, one Jewish-American woman (Letty Cottin Pogrebin) describes her experience: â€Å"Succeeding academically, are you kidding me, was there anything else? I didn’t feel I had to be pretty or anything else, I had to be smart.†

Article Public Opinion of Police by Different Ethnic Group Essay

Down though the years there has always been tension and an on and off relationship between the community they serve and law enforcement agencies. And as with any relationship between two people there are misunderstanding, break-up and disagreements and the same is with the relationship between the community and its law enforcement agencies but just with any relationship at day’s end both the community and law enforcement have and share common concerns such as justice and deterrence. With many of communities in America being incursion of immigrants within the last few decades; with this incursion of immigrants many communities are being bombard with so many new language and cultures diversity. Because of this wide range of ethnicity now living within many the walls of our communities and society on a whole now have different opinions and views of law enforcement. Now due to the various ethnicities flooding our communities the author will investigate how a few of these ethnicity groups like: African Americans, Asians and the Hispanics neighborhoods views racial profiling, discrimination and past experience with law enforcement agencies. Taking a look at the traumatized relationship and association between the two, as well as the interaction and reaction from the law enforcement agencies and the communities they serve. Since the conception of the law enforcement agencies race has long since been a vital playing card in policing. Even with the knowledge, awareness and understanding of this there has been some improvement but not enough. Racial opus of law enforcement alongside the racial outline of arrest, the raise in the number of arrest of non- minority like â€Å"Caucasian† by non-white law enforcement officers, while there were lower numbers of arrest by the same officers on other ethnic groups. On the flip side of that coin, more â€Å"Caucasian† officers had a boost in the number of non-white arrest in comparison to the number of arrest involving â€Å"Caucasians†. Race has been a polarizingelement the in the society of America for years. And this is every so prevalent within the criminal justice system. Clashes involving both the communities and law enforcement are the flashpoint for practically every current inner- city riot. Ethnic Groups. The raise of culture variety and immigration has from time to time made interaction with law enforcement difficult. Hispanics and Asian neighborhoods are often apprehensive of law enforcement officers due to their past occurrence. Their past incidents vary from their motherland of origin that was overwhelmed by civil unrest and war. This included exploitation of power by those of authority as well as much dishonesty within law enforcement agencies of that country. For this cause many minorities groups have a apprehension and more often than not an aversion to law enforcement officers. Like within the Hispanic neighborhoods, they often feel that law enforcement agents differentiates them by racial profiling them all because of their nationality. In Arizona this is a very contentious SB 1070 unlawful migration bill that passed given law enforcement agents the power and authority to inquire of certain individual (Hispanic) of proof of documentation of legal right to be in America. This law is being adopted in other states as well like New Jersey and Texas, any where there is a high population of Hispanics. IthasbeenreportedbytwoethnicgroupsAfricanAmericansandHispanic/Latinos affirm subordinate levels of agreement concerning their relationship with police officers as compared to those of their counterpart â€Å"Caucasians†. African Americans and Hispanic/Latinos claims that there is less willingness to obey and to follow orders given by authorities especially of Caucasian origin. Racial profiling has consistently been one of the most confounding, divisive and controversial issues the police department confronts. A perception that police target members of specific ethnic or racial groups creates a deep divide between the police and the communities we serve. But as an officer who has spent a lot of time patrolling the city’s streets, I just don’t think the perception is accurate. (Dutta, 2010) True racial profiling, in which people are targeted solely because of race or ethnicity, is both illegal and immoral. It destroys public trust and reduces the effectiveness of the police. There is no place for it in law enforcement. And I firmly believe that most LAPD officers support that viewpoint. Even the reported statement of the officer that he couldn’t do his job without racial profiling was most likely misinterpreted. (Dutta, 2010) Differentiation between minorities and Caucasians is how they relate and response to law enforcement agents and how fairly or unjustly he or she feels their treatment was. This is a how many African Americans and Hispanic/Latinos responded when asked by authorities regarding their relationship with law enforcement agencies this is less equality than when Caucasians reported. Reference: Dutta, Sunil, Los Angeles Times, Criminal Profiling vs. Racial Profiling 11- 22- 2010 Retrieved 05/20/2013 http://articles. latimes.com/2010/nov/22/opinion/la-oe-dutta-racial-profiling-20101122 Newport, Frank, Gallup News Service, Racial Profiling is Seen as Widespread, Particularly Among Young Black Men, 12-11-1999 Retrieved 05/20/2013 http://www. gallup. com/poll/3421/racial-profiling-seen-widespread-particularly-among- young-black-men. aspx Maxson, Cheryl, Hennigan, Karen,Sloane, David C. ,Factors That Influence Public Opinion of the Police ,06, 2003 : Police discipline and misconduct, community policing, and media. Retrieved 05/20/2013 -http://www. nij. gov/pubs-sum/197925. htm.