Research Proposal on Banking Essay Example for Free

Research Proposal on Banking Essay Introduction Over thirty-five years have passed since academics began speculating on the impact that information technology (IT) would have on organizational structure. The debate is still on-going, and both researchers and managers continue to explore the relationship between IT and organizational structure. As organizations need to process more information under these uncertain conditions, IT is one possible way for organizations to increase their information processing capability. We are conducting a research in HBL bank that, how bank increase the number of account holders using Internet banking among its Current Account holders. IT has a dramatic effect on both peoples personal and professional lives. IT is also changing the nature of organizations by providing opportunities to make fundamental changes in the way they do business. The technology is changing rapidly, with computing speeds and the numbers of transistor equivalents available in a given area of a microprocessor chip both doubling in very short time. Organizations are acquiring more and more technology systems to assist in everything from manufacturing to the management of information to the provision and improvement of customer service. Harnessing and coordinating this computing power is the challenge. New tools and innovative perspectives with which to examine, interpret, and comprehend these rapidly evolving environments are always needed and sought. Background / Literature View: IT is transforming the way that business is conducted. Computers prepare invoices, issue checks, keep track of the movement of stock, and store personnel and payroll records. Word processing and personal computers are changing the patterns of office work, and the spread of information technology is affecting the efficiency and competitiveness of business, the structure of the work force, and the overall growth of economic output. Many people believe that the primary driving force behind this information revolution is progress in microelectronic technology, particularly in the development of integrated circuits or chips. Thus, the reason that computing power that used to fill a room and cost $1 million now stands on a desk and costs $500 or that pocket calculators that used to cost $1000 now cost $10 is that society happens to have benefited from a series of spectacularly successful inventions in the field of electronics. But fewer people understand why the introduction of information technology occurred when it did or took the path that it did, why data processing came before word processing or why computers transformed the office environment before they transformed the factory environment. Because this technology oriented view of the causes of the information revolution offers little guidance to the direction that technological developments have taken thus far, it offers little insight into the direction that they will take in the future. Electronic banking is one of the first things that come to mind when one thinks about the future of banking. It is generally assumed that electronic banking is new and that it will replace or supplement many channels of delivery of retail banking services. The term electronic banking as used here refers to any banking activity accessed by electronic means. It includes Online Banking, Automated Teller Machines (ATMs), Automated Call Centers, Digital Cash, Internet Banking, Screen Telephones, E-Utility Bills and so on. These channels of delivery can be used for presenting and paying bills, buying and selling securities, transferring funds, and providing other financial products and services. Electronic banking can be used for retail banking and business-to-business (B2B) transactions, as well as for facilitating large-amount transfers. Equally important, electronic banking is a worldwide phenomenon. As the term is used here, it involves transactions. Web sites that are transactional are considered electronic banking. Electronic banking and the Internet in general are forcing a shift in the way banks and other businesses organize and the way they think of themselves. A shift is taking place from vertical integration to virtual integration. Banks and other financial intermediaries must realize that they are in the financial information industry. The Internet makes it possible to bring both customers and suppliers together to share critical business information. E-banking helps banks relay and show to their clients how good their services are, how many services we are providing and that the services they offer are of better standards. Through E-banking the company can show the clients that they are better than competitors and can give them satisfaction guaranteed. Statement of the problem The internet and the different things it can do to uplift business procedures, products and services is a current necessity for business. One of internets products is Electronic banking. Electronic banking is a faster way for clients to transact with the banks personnel. Clients can still transact with banks while on the comfort and safety of their homes and Offices. The main purpose of this proposed research is to determine, how we will increase Internet Banking Users among their present Account holders. Theoretical Framework: Increase Internet Banking Users Quality Products (websites) A Bank Manager observed that, if he provides the better Quality Products (Websites) and Low Bank Charges on Internet-Banking to his Account holders. This will increase the number of Customer of Internet Banking. But it will not affect on those Account holders with less qualification and do not use internet. Qualification of account holder and use of internet Low Bank Charges on Internet Banking Research Objectives: This Research intends to find out, If Bank updates its website and gives quality products, easy use and as well as reduce its transaction charges on Internet banking will increase the number of users using Internet Banking among its Account holders. However, according to the literature review, the qualification of account holder is plays an important part in this relationship. Our objective is if we increase quality products and reduce its transaction charges on Internet banking will increase the Internet Banking users. Research Question: * If we increase quality products and reduce its transaction charges on Internet banking will increase the Internet Banking users or not? * Qualification of customer and use of internet is effect on internet banking users or not? Research Design/Methodology: Type of research This research will use the descriptive type of research. Descriptive method of research is to gather information about the present existing condition and solving the problem. The descriptive approach is quick and more practical financially. Moreover, this method will allow for a flexible approach, thus, when important new issues and questions arise during the duration of the study, a further investigation may be allowed. The study opted to use this kind of research considering the goal of the study to obtain first hand data so as to formulate rational and sound conclusions and recommendations for the study. Research Strategy For this research data will be gathered through collating published studies from different books, articles from different related journals and studies, and other literary instruments. Afterwards make a content analysis of the collected documentary and verbal material. The study will then summarize all the necessary information. The study will then make a conclusion based on the said information and provide insightful recommendations on how to solve the said problem. Sample and Sampling Technique The respondents of the research came from the different branches of bank mentioned from Karachi. Due to time constraint and also, for the convenience of the researcher, only hundred (100) respondents were considered for the study. The convenience sampling technique was imposed in the study to pick up the hundred respondents, mainly because the availability of the respondents from the different branches was considered. This part of the study is important because the most important data needed to fulfill the objectives and aims of this study will only be supplied by the respondents from the Branches of HBL bank Karachi. Primary and secondary data collection The primary source of data will come from a survey using questionnaire and interviews that will be conducted by the researcher. The primary data frequently gives the detailed definitions of terms and statistical units used in the survey. These are usually broken down into finer classifications. The secondary source of data will come from research through the internet; books, journals, related studies and other sources of information. Acquiring secondary data are more convenient to use because they are already condensed and organized. Moreover, analysis and interpretation are done more easily. Validation of the instrument For validation purposes, the researcher pre-tested a sample of the set survey questionnaires. This was done by conducting an initial survey to at least five respondents from the different banks from Karachi. After the respondents answered, the researchers then asked them to cite the parts of the questionnaire that needs improvement. The researcher even asked for suggestions and corrections from the respondents to ensure that the survey-questionnaire is effective. Automatically, these five respondents were not included as respondents for the study. Data analysis Data gathered will be analyzed through frequency distributions. These will give way to reviewing the data categories and the number of referrals in each category. The data acquired will be analyzed according to the different categories and importance. The information that will be gathered and analyzed will be important to achieve the objectives desired by the study.

The Mythology of Star Wars Essay -- Movie Film Essays

The Mythology of Star Wars This essay is dedicated to the idea of displaying the true epic of Star Wars. From the hero's journey in the unknown forests, to the goddess and spirtual revelations, this site will show Star Wars in a way many have not seen--a great mythological tale of sorrow and amazements that has lived through our history as long as the human race has lived on Earth. Even as George Lucas has explained as the reason why he created Star Wars, "I wanted to make a kid's film that would strengthen contemporary mythology and introduce a kind of basic morality" (Pollock I44). Introduction: Science Fiction Vs. Myth In 1977, George Lucas created a film that so inspired the public, its name is commonplace to, not just the United States, but several countries of the world...

A Change of heart About Animals Essay

Although much of modern day technology is focused on materialistic things rather than the issues, such as animal rights, which are more important. â€Å"A Change of heart About Animals†, by Jeremy Rifkin, is an article where he argues how animals have feelings and should have their own rights. He describes how animals have the ability to learn. What he doesn’t do is describe animals as a lower class, but as â€Å"Our fellow creatures† so he states in his article. In Rifkin’s article he uses language such as ethos, pathos, and logos while using a persuasive tone. Ethos is expressed when Rifkin credits the scientists at Oxford University with the testing of two crows and their ability to snag a piece of meat from inside a tube. Pathos is also expressed towards the end of the article when he emotionally calls animals â€Å"our fellow humans†. Last but not least logos is expressed when he states how the European Union outlawed the use of isolating pigs in stalls. Some have argued that by simple jester’s animals can live happier lives. For example, in Germany pig farmers are encouraged to give pigs twenty seconds of human contact each day. Some of the sponsors that provide this research are fast food purveyors, such as McDonalds, Burger King, and KFC. Their contribution has eased the pressure off of animal rights activists. Even though steps have been taken towards research development, there is still more to be learned. Because of such inhumane behavior shown by some farmers, some universities have introduced law courses on animal rights. Some of these Universities have filed law suits for animal rights. As a result of this Germany became the first nation to guarantee animal rights in its constitution. It just goes to show that there are still some good people out there. It’s obvious that more action needs to be taken towards achieving our goal at animal rights. With the help of animal activists and some major universities, we can achieve animal rights. It isn’t fare to them. That’s why it’s up to us to give our fellow creatures the rights and protection that they deserve. Just think, would you like to be caged all day with no say on what to eat, and live in hard conditions? A Change of Heart about Animals Essay In â€Å"A Change of Heart about Animals† Jeremy Rifkin says that animals have the same human qualities that humans have. And with that they deserve more if not the same amount of respect as human beings. He gives many examples on how some animals are human like emotion and skilled wise. I disagree with Rifkin. I think that most animals should not get more respect than human beings reason being that most of the animals he listed are going to be killed and be used for reasonable human use. To begin with, Rifkin gives many examples that are self contradicting to what he is trying to argue. First Rifkin says â€Å"Studies on pigs’ social behavior funded by McDonalds at Purdue University†¦ they crave affection and are easily depressed if isolated†¦ lack of mental and physical stimuli can result in deterioration of health.† Here Rifkin is saying that pigs need attention in order to stay healthy. I disagree with this because in the end the pigs are going to be killed and be used for human consumption so why would it care if they are depressed or not. Also, it contradicts itself because the people funding it are one of the major corporations killing thousands of pigs day in and out so it makes it seem like they are trying to save the pigs. Later he states â€Å"Philosophers long argued that other animals are not capable of self awareness because they lack individualism†¦ At the Washington National Zoo, orangutans given mirrors explore parts of their bodies they can’t otherwise see, showing a sense of self.† Here he is stating how animals do in fact have a sense of self awareness and that orangutans are a prime example. I disagree with this reason being that Rifkin didn’t give the name of the philosophers who said this, making it not credible because anyone could have said that. Also they are not really giving the orangutans to freely observe themselves because they have them locked up in enclosure at the Washington national zoo. All in all I think Rifkin does not give a strong enough argument. He gives examples that easily contradict him making his argument not credible enough for the reader. With this I think Rifkin is in no position to say that animals deserve more rights than human beings.

A Culture Of Disposability America Has Developed A...

A Culture of Disposability America has developed a strong sense of consumerism over the last decades. This has led to an increase in production levels and the variety of products available. This is in a way a result of America’s strong economy and availability of resources. This boom in the market has also introduced new marketing techniques that try to increase the level of consumption in America even further. Two of these techniques are planned obsolescence and perceived obsolescence. Both of these techniques target the average consumer and make him constantly replace his possessions using physical and psychological factors. The sale of electronic devices for entertainment benefits a lot from planned and perceived obsolescence, and although this happens mainly in the United States, El Salvador is no stranger to this phenomenon. Planned obsolescence is when a manufacturer purposely designs a product for it to stop working after a certain amount of time so that the consumers find themselves in the need to replace it. It is a marketing technique that ensures a constant consumption of the same item and therefore it is highly profitable for the seller of the product. However, the product needs to work perfectly for a moderate amount of time to gain the trust of the consumer; therefore, planned obsolescence is a very complicated art. However, it is really easy to carry out planned obsolescence in electronic devices used for entertainment. This is because of two factors. The