...Awareness of Electronic Banking in Pakistan 1 AWARENESS OF ELECTRONIC BANKING IN PAKISTAN Awareness of Electronic Banking in Pakistan Nouman Anwar Dar MCB Bank Limited Proceedings of 2nd International Conference on Business Management (ISBN: 978-969-9368-06-6) Awareness of Electronic Banking in Pakistan 2 Abstract Electronic Banking is an essential sector of banking industry. E-banking services are gaining the attention of conventional banking’s customers rapidly. It has brought the revolutionary changes in the Pakistan banking industry in terms of customer and business perspectives. Electronic banking has got popularity in the developed as well as developing countries because it saves people time, reduces costs and people have access to all banking services on the click of a button. More often, the new innovated system allows the customers to touch their accounts at home using a mobile device or electronic terminals. This research paper focuses on growth and awareness of electronic banking in Pakistan. Electronic banking is today’s need as it provides easy way to monitor an account. Most of the commercial banks in the country switched to the convenience ways in accessing the accounts of the customers and giving them the freedom for the easy access. “The volume of e-banking transactions reached 125.9 million while the value of these transactions aggregated to Rs 12 trillion showing an increase of 15.5 percent and 19.0 percent respectively as compared to the...
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...often the individuals the system was designed to protect creating a serious gap in implementing the HSE-MS. Some 4 years ago the former Shell Deepwater Services (SDS) was facing the roll out of their HSE-MS and the question was asked by the Management Team how do we get our personnel to explicitly understand our HSE-MS so that we can get maximum benefit from it? The result of asking this question has been the development and introduction of a series of critically acclaimed workshops aimed at demonstrating an HSE-MS as simply as possible. “Protecting What’s Important 1” and “Protecting What’s Important 2” workshops have received considerable approval from participants for the manner in which the information is presented and for the awareness the courses bring. Description of Workshops Protecting What’s Important 1 In 2000 a team of SDS employees were organized with the goal of bridging the gap between SDS personnel and the HSE-MS. A series of development meetings and pilot programs resulted in the unveiling of Protecting What’s Important (PWI) in 2001. The team that designed the workshop set forth clear objectives for the workshop, with the aim of having participants: • Receive an introduction to the HSE-MS • Get comfortable with the terminology of the HSE-MS • Understand the basic structure of the HSE-MS • Understand what impact an...
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...trends show that they have a harder time of losing the weight. The CDC reports that for Tennessee specifically adults ages 18 and over, 67% of our population is obese (CDC.gov, 2012). What are the ramifications of this? Women in the southern states are more prone to being obese and carrying it into their later years than most other American woman. Obesity can be a stepping stone to severe health problems later on in life. Issues such as HTN, cardiac problems, diabetes, orthopedic problems, the list goes on and on. Obesity is something that can be changed first; by creating awareness of the existing problem, second; by identifying what needs to be changed, third; creating the opportunity for change and following thru with the plan for change; and finally creating a lifestyle change that will last a lifetime. Program Plan: O'Donnell Program This paper will discuss a program plan to raise awareness of the problem that Tennessee women are facing with Obesity. Providing the opportunity for educational programs for obesity...
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...ASEAN is a region of immense and colourful cultural diversity, one that shares common historical threads. ASEAN Member States promote cooperation in culture to help build an ASEAN identity. They seek to promote ASEAN awareness and a sense of community, preserve and promote ASEAN cultural heritage, promote cultural creativity and industry, and engage with the community. ASEAN Leaders envision ASEAN as a community of caring societies, conscious of its ties of history, aware of its cultural heritage and bound by a common regional identity. One of the main bodies in ASEAN cooperation in culture is the ASEAN Committee on Culture and Information (COCI). Established in 1978, its mission is to promote effective cooperation in the fields of culture through its various projects and activities. The COCI comprises representatives from national institutions like the Ministry of Foreign Affairs, Ministries of Culture and Information, national radio and television networks, museums, archives and libraries, among others. Together, they meet once a year to formulate and agree on projects to fulfil their mission. Activities in the area of culture include the conservation and preservation of cultural heritage, promotion and cooperation on cultural industry and the production of cultural showcases. To cite some examples, 2009 saw the production of the coffee table book “Water: A Unifying Force in ASEAN”, a workshop that gathered experts from the region to discuss the prevention of illicit transfer...
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...Awareness of Individual Responsibility Each individual has an obligation to attempt to perform as an ideal and well-intentioned citizen. In order to achieve this goal, it is imperative to be aware of the significance of such an expression as personal responsibility. Personal responsibility refers to an ability to care for actions, feelings, emotions, good habits, and their consequences. In addition to that, responsibility covers all in regards to the understanding of the effects from making certain choices in life, accountability for obligations, difficulties, as well as the lack of responsibility in some people. The comprehension of all these definitions can interfere and be applied to success in college. The capacity to pay attention to actions and consequences is an ability, which not everyone can embrace. Basically, it is something that typically has to be learned during the early years and should be applied to the rest of the life. For instance, little children understand that by crying, is a way to get a bottle of milk, or someone will change the wet diaper. A child is supposed to understand that if the schoolwork is not finished, there will not be time for recess and so on. Although later in life, depending on people’s backgrounds, costumes, and experiences, the individual begins to form a personality. Unfortunately, not always a fully-grown person ends up having this ability. Robert Peter gives us a simple definition of Personal Responsibility in his article Personal...
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...consumer awareness BY: REETANSHU SINGHAL Objective :1.To find out consumer awareness among households in Rajpur Road, Civil Lines Note: You are requested to please give a little time to fill this questionnaire . This data would only be used in an academic project . NAME: ______________________ AGE: ______ OCCUPATION: __________________ Q1. Do you take the bill/cash memo of your purchase at a store ? ___ ALWAYS ___ SOMETIMES ___NEVER BOTHERED Q2. Do you check the expiry date of items like medicines, food, etc. _ ___ALWAYS ___SOMETIMES ___NEVER BOTHERED Q3.Do you check the MRP(Maximum Retail Price) of product before buying it ? ___ALWAYS ___SOMETIMES ___NEVER BOTHERED Q4. Do you check the weight of items like fruits , vegetables , grains ,etc. before buying ? ___ALWAYS ___SOMETIMES ___NEVER BOTHERED Q5.Do you check the certified markings like (agmark, CE, ISI) of items before buying ? ___ALWAYS ___SOMETIMES ___NEVER BOTHERED Q6.When buying something , what is the 1st thing you look for in a store/shop ? | Most important | Slightly important | Not important | POPULARITY | | | | PRICES GIVEN | | | | SPECIAL OFFER | | | | QUALITY | | | | Q7.Have you fallen prey to acts like adulteration , false claims , very high prices and other malpractices when shopping ? ____YES ____NO Q8.If answer...
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...A STUDY ON BRAND PREFERENCE OF WALLCARE PUTTY IN THE AREA OF PARAMAKUDI QUESTIONNAIRE 1. Name : 2. Address of the firm : (With seal) 3. Status of the firm : Individual firm [ ] Partnership firm [ ] 4. Sex : Male [ ] Female [ ] 5. How you’re doing the business? 6. Total year of experience? 7. How did you know about the product? a) Promotional activities [ ] b) Friends & Relatives [ ] c) Distributors [ ] d) Company official [ ] 8. State your awareness regarding BIRLA WALLCARE PUTTY a) Fully aware [ ] b) Partly aware [ ] c) Just awareness [ ] 9. Which type of product does you familiar with the BIRLA WHITE? a) Birla white cements [ ] b) Birla wall care putty [ ] c) Birla white texture [ ] d) other`s name:______________ 10. How long you are using Birla white Products? a) Below 1 year [ ] b) 1-2 years [ ] c) 3-5 years [ ] d) above 5 years [ ] 11. Mentions the company that you have dealerships? a) Birla wall care putty [ ] b) J.K. wall care putty [ ] c ) ASIAN [ ] d) Berger [ ] e) Nrolee [ ] f ) Nippon [ ] g) Other’s name:______________ 12. Please ranking the following brands customer will prepare to...
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...happen in you department then you are more likely able to prepare you and your organization from fraud. The major challenge that the text finds is to cultivate one with the reality rather then rhetoric. If you do keep thinking that this could only happen to another company and not yours, then you are letting your guard down and more likely to have someone to commit these crimes in your organization. Generally the government wants action and laws and regulations put into place to prevent these types of crimes from happening. The text says this could be better served as a middle ground. Just because we have the laws or regulations does not mean the crime is going to be deterred or stopped. We need to come up with the correct training and awareness as well. The main strategy option could be a preventive strategy. You need to have the correct policies in place so you can encourage people not to do these crimes. If you make your staff aware and of teach them what could happen and how to safe guard their information. Give them proper training they maybe able to prevent these crimes or at least lessen the chances of them happening. Source: Friedrichs, David O. Trusted Criminals: White Collar Crime In Contemporary Society, 4th...
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...1) Reducing world poverty is a topic that has been around for quite some time. To reduce world poverty, the author states we must raise awareness by ensuring that our students are adequately informed about world poverty, its consequences, and ways it can be reduced. My impression from this is that the author is going to try and persuade me that poverty can be treated by showing me the advantages of awareness to poverty from students. This is a value based statement because it’s the authors inferred opinion that world poverty can end if we raise awareness. 2) Better health care, agricultural techniques and techniques generating electricity are all advancements made in technology that will aid in the fight of poverty. (Singer, 2009) With the technology we have today, the author states that poverty is more presently linked between the rich and the poor. This gives you the impression that because poverty is more mainstreamed into your home and school that it will make you more aware to the poverty problem. Does seeing it on television make you feel worse than seeing it in person? Once again this is a value based statement. Just because technology is better today does not mean that people will magically grow a heart and become compassionate. I believe we must first deal with the lack of empathy there is in the world today. 3) 1.4 billion people are living on 1.25 a day. Due to this many children our going malnourished and dying because the food that they are eating lacks vital...
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...is to help professional socialization by instilling an understanding of the relevant ethical principles and standards to be a significant component in providing therapeutic rapports. The primary reasons for clinical supervisions are to ensure quality care and provide professional development in a systematic and planned manner. In todays’ society, clinical supervisions require a foundation in the understanding of the ethical and legal aspects of the supervisory relationship. There are many ethical and legal issues that can affect the supervisory relationship. All supervisors consistently approach all aspects of clinical supervision from an ethical and legal viewpoint. With more time and attention devoted to these important topics, awareness of the ethical and legal aspects can be demonstrated as they are put into practice. The role of a supervisor is to prevent harm from occurring to clients. Supervisors are in charged of reviewing and monitoring the quality of services and the key focus should be to insure that clients’ needs are being met. A primary focus of supervision is to be vigilant and aware of issues that could result in clients receiving inadequate service or being harmed by the therapeutic process. A supervisor must do everything within their power to insure that issues or behaviors of other counselors are not harming clients. New professionals need to develop an understanding of what it meant to be a professional, and this is accomplished by pairing them with...
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...pass an ordinance to raise fines for littering across our town. In continuing to unite the community of Burleson, keeping this city beautiful plays a major part. Littering is just one way in which our town becomes less unified, so I would fight to stop this disrespect of our city. I would also try to organize more money into a budget for making our city more beautiful. This budget would cover more landscaping and maintenance projects across the community. Another thing I would do as mayor would be to set aside more money in our budget to go towards our city’s drug awareness program. It is sad heart-breaking and devastating to see so many of our promising teenagers and young adults turning to drugs, alcohol, and substance abuse. In strengthening this program, more and more teenagers could become aware of their reckless behavior and the affects that come with the decisions they make. By bringing about this awareness in our youth we can ultimately create a generation of, honest, engaged, and active members of our community. All of these ideas factor into uniting our town...
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...The economy today is much more global than it was just a few decades ago and everyday there are more and more transactions of goods and services between different countries. Each country has their own advantages and disadvantages and because of this trading between countries is mutually beneficial. Having never left the southeast United States, I would definitely benefit from this grant so that I could see the world and give myself a better understanding of how the future of business will be like. With so many countries being involved with each other exchanging goods and services, it is essential to understand how these relationships work and what makes these transactions run as smoothly as they do. With any international business you are involved with people that have different cultures and beliefs than your own. Observing and seeing these differences first hand can do nothing but help the way that one communicates with people from other countries that you may be involved with. Studying abroad will not only improve communication skills with people from other countries but it can also change the way that you view your own thoughts and beliefs by being aware of how other people in the world live. Being surrounded by people your entire life that have similar ideas and beliefs as your own, can shelter you from opposing views. Being able to witness first hand the way others live will allow me to have a better understanding of different cultures and how to best live in the growing...
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...Problem: Aqualisa creates a new breakthrough shower- the Quartz. The product has significant improvements when compared with the other existing products on the market, such as: * Efficient and reliable water pressure and temperature * One touch control on the wall * Light signaling the right temperature is achieved etc * Installation of the Quartz was about half a day (vs. 2 days for other showers) Survey shows that consumers and plumbers loved the product. However, initial sales are low, mainly due to low consumer awareness and plumbers’ reluctance to new products. Where does the problem lie in the funnel? Consumers are uninformed about showers, with little understanding of the products options. Thus, plumbers have a greater influence when selecting the brand, as only in 27% of the times consumers select type and brand of the shower, otherwise plumbers influence on the purchase. Lack of knowledge leads to lack of brand awareness. Options: 1. Targeting consumers directly: -Expensive to have a proper ad campaign (costs 3 to 4 M Euro) - The consumers decide only 27% of the time (ex 4) +Consumers could become more brand aware +Easier to reach consumers than plumbers 2. Targeting Do-It- Yourselfers -Lower-end part of the market thus will be price conscious, have to lower prices -The brand will be perceived as a lower quality brand, due to the new niche market +Could “push” the product through partnership (B&Q) thus have lower costs than running...
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...Stages of Ego Development Jillian Whalen PSY/230 June 20, 2014 Chris Allen Shreve Stages of Ego Development Jane Leovinger created a method of recognizing which stage of ego development one may be in at any given age. A verbal sentence completion test is implemented to help the participant understand more about which one of the nine stages of development she may be experiencing at the time and what she needs to do in order to move on to the next stage. Each stage explains what level of maturity, acceptance, and understanding one may be in at the time of test completion. They also help the individual understand their internal feelings about environmental factors surrounding them and how these factors form the ego. Loevinger notes that not everyone reaches self-actualization and many may be stuck at certain stages. Stage one – The Pre-Social and Symbolic Stage: Because this stage occurs at infancy, it is not as understood as well as other stages because the child is non-verbal and unable to complete the sentence completion test. An infant’s ego, according to Loevinger, is most interested in gratifying immediate needs, such as feedings and diaper changes. She also notes that infants form a close bond with their primary care giver. While the child recognizes she is a different entity from the world that surrounds her, she has trouble distinguishing her own identity from the caregiver. Stage two- The Impulsive Stage Loevinger describes this stage in relation...
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...users of that environment based on a real-time information gathered and data accumulated. Key Technologies: The aim is to enrich specific places(a room,a building, a car) with computing facilities which can react to peoples need and provide with assistance. In order for AmI to become a reality a number of key technologies are required : 1) Unobtrusive Hardware 2) Seamless communication (mobile/fixed) and computing infrastructure. 3) Dynamic and massively distributed device networks , which are easy to control and program. 4) Human centric computer interfaces. 5) Dependable and secure systems. The ambient intelligence paradigm builds upon pervasive computing, ubiquitous computing, profiling practices, context awareness, and human-centric computer interaction design and is characterized by systems and technologies that are : * embedded: many networked devices are integrated into the environment * context aware: these devices can recognize you and your situational context * personalized: they can be tailored to your needs...
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