Bangarang by Skrillex free essay sample

Skrillex(Sonny John Moore) is an American electronic dance music producer who mostly produces Dubstep. He has recently released an EP titled Bangarang, which is his fourth EP in counting, and has been recently nominated for 5 Grammy awards. Most of the songs in this album resemble a very high vibe. Ill be giving each a song a rating out of 10. 1. Right In 8.6/10 It was sort of repetitive, but it was quite a moving track. 2. Bangarang ft. Sirah 8.4/10 It still has a moving vibe, Sirahs vocals seem to fit this track perfectly. 3. Breakn a Sweat ft. The Doors. 9/10 This track is quite unique from whatever Skrillex has made. 4. The Devils Den ft Wolfgang Gartner 9.6/10 The track mixes electro-house with dubstep greatly. Its really amazing. 5. Right on Time ft. 12th Planet ; Kill the Noise 7.6/10 This track didnt really fit in its order, if it were placed in another spot it would have fit. We will write a custom essay sample on Bangarang by Skrillex or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page 6. Kyoto ft. Sirah 8.9/10 Sirah makes another appeareance, this time, rapping. The beat seems fit for Hip Hop, and brings back the high vibe. 7. Summit ft. Ellie Goulding 9/10 This track ends the album nicely, with a chilled down vibe. Overall, this album is very great. I suggest you listen to it and see if you like it.

Pants †A Symbol of Gender

Pants – A Symbol of Gender Free Online Research Papers We have all heard people say, â€Å"The man wears the pants in the family†. Pants are a good symbol of both gender and social class in the conservative community. This well known phrase comes from a time when men were superior to women, a time where men could do things that women could not and visa versa. Men wore pants and women wore skirts. Also, it was easy to establish social class by the type of pants that a person was wearing. Whether a person was wearing suit pants, blue jeans, work pants, scrubs or no pants at all, said a lot about that person and what their role was in society. However, that is no longer the case. Times have changed. For a woman who has grown up in this new era, it is hard to believe that there was a time when women spent their day in the kitchen and men spent their day at work. It is hard for the people in my generation to understand how the social class that you grew up in could have any effect on how your life would turn out. How can this be? I can not imagine a world that could predict your future from your anatomy or parents’ social class. Back then, if you were a girl you were a house maid, mother and cook. If you were a boy born of a doctor, you became a doctor. Also, if you were a boy born of a mechanic, you became a mechanic. This is a crazy, completely unfair way of life. How can people be so close-minded? Do you wear pants or a skirt? Nowadays, it doesn’t matter. The â€Å"roles† of men and women have almost become extinct in what has been a relatively short period of time. For instance, my great grandparents are eighty years old. For three generations, my grandmother has washed clothes, made dinner, cleaned up messes and kept the kids in line. My grandfather has done the oil changing, toy fixing and butt beating. Everyday, ever since I was a young child, and probably decades before that, my grandmother spent her morning in the kitchen while my grandfather and dad spent their time in the garage. Both would do there duties as a man or as a woman. The only time that our day would intersect was at meal time. When it was time to eat lunch, my grandmother cooked the meal, the men came and ate the meal, and then they went to take a nap while we were left to clean up the mess. Then, once their nap was over, they would go back out to the garage and my grandmother and I would clean up the mess from their nap. Then at dinner time, my grandmother would cook dinner, and the men would come eat and then go out to meet their other man friends while we cleaned up the mess again. My grandmother was content in her role as the house maid-mother-cook. I thought that the whole process was mind boggling. Why couldn’t they pick up their own mess? Why couldn’t grandma ever take a nap or go out for the evening? This life that my grandparents lived was completely gender bias. My grandfather never did anything to help my grandmother around the house. My grandmother never assisted in the birth of a new motor. Why? They did not do these things because it was not their job. However, my life at home with my dad was very different. My dad still went to work everyday and still built engines and raced racecars, which were guy jobs. However, he also came home and did laundry, cleaned the house and made dinner. While most of my pap’s friends were business owners, plumbers and doctors, a lot of my dad’s friends are nurses, bank tellers and flight attendants. All of my grandma’s friends were seamstresses and stay at home moms, but most of my friends are going to school to be teachers and CEOs. It is amazing that in two generations, a mere forty years later, we have almost completely thrown the gender role philosophy out the window. What kind of pants do you wear? As Paul Fussell says the subject of social class â€Å"has remained murky† (478). During the Industrial Revolution, the beginning of the system, social classes were much different. In the beginning, people were assigned social class by their job and income. The upper class consisted of doctors, business owners and teachers. The middle class included plumbers, mechanics and mill workers. Finally, the lower class consisted of farmers and trash collectors. Today, the incomes of these same professions do not match up to the classes that a person was put in for having them. In today’s society, there are many circumstances that prove trash collectors to have a better income then some school teachers. Farmers and plumbers are today’s business owners and there are very few mill workers at all. Also, in the early 1800s, once you were born into a social class it was almost impossible to escape it. Today, it doesn’t matter wh ere or into what life you were born, you can always better, or worsen, your situation. The most important fact about social class in today’s world is that it barely exists. Class doesn’t matter nearly as much as it used to. There is only a small amount of people left that pay attention to social class in everyday situations. I don’t think that the class structures today are that complicated because for the most part people are no longer judged by their or their parents’ careers. From Bill Gates to my mom the laundry aide, we all have the same opportunities and responsibilities. Thankfully, the people of this country have realized the injustice of these terrible labels. Who knew that an article of clothing could mean so much? Pants, skirts, Dickies, khakis, sweats, at one point in time people were judged by such immaterial things. Well guess what people, times have changed. This is a time of transformation and equality. People are no longer judged by their anatomy or other irrelevant things. No one, in this new time period, is limited to what their â€Å"roles† are in society. We can do whatever we are willing to work for. Men, women, blacks, whites, rich or poor, this is America. Finally, we are in the process of making this country truly free. Though we still have a long road ahead of us, I am proud to be part of the change. Research Papers on "Pants" - A Symbol of GenderHip-Hop is ArtNever Been Kicked Out of a Place This NiceThe Fifth Horseman19 Century Society: A Deeply Divided EraPersonal Experience with Teen PregnancyAnalysis Of A Cosmetics AdvertisementMarketing of Lifeboy Soap A Unilever ProductCapital PunishmentInfluences of Socio-Economic Status of Married MalesEffects of Television Violence on Children

Sustainable Talent Management Research Paper Example | Topics and Well Written Essays - 1500 words - 2

Sustainable Talent Management - Research Paper Example The performance management comprises of various steps that are to be followed by the organization for the successful implantation of the performance management process. The first step involves the performance planning which a process of communication between the employee and supervisor to set up the effective planning for the performance. It also comprises of the expectation set related to the employee performance (Sadikoglu & Zehir, 2010). The next step that is to be followed is that of coaching that involves a two-way discussion focusing on the performance of the employees and recognizing the areas that can be improved to have a better performance of the workforce. The third step involves the multiple sources of feedback that the managers can gather from the customers that would be helpful for the improvement of the employee performance. Research suggests that there are various sources of the feedback can be collected such as from customers as well as self-evaluation. The fourth st ep involves the performance review that the organization can conduct based on the goals set by the organization and the development needs that can ensure better performance of the employees.  The performance management comprises of various steps that are to be followed by the organization for the successful implantation of the performance management process. The first step involves the performance planning which a process of communication between the employee and supervisor to set up the effective planning for the performance.

Psalms Essay Example | Topics and Well Written Essays - 1500 words

Psalms - Essay Example This psalm describes the wedding banquet with Christ and His church, and Christ’s eternal kingdom. The psalm describes the setting around the time of the Feast of Tabernacles. During the feast the reading of the Law was given to the people. The psalm describes how we should be God fearing people and respect God’s Word. The psalm in verse 22 speaks of how God will tear you to pieces. Then, the psalms say he prepares the way. This psalm shows us the need for a savior that is Jesus Christ. God has shown His compassion by sending His son once and for all as a sacrifice for sin. The psalm describes the scene as a heavenly courtroom, with the Mighty One -- God -- as the judge. The Lord hands down an indictment against hypocrisy. The psalm indicts people who practice formalism in worship. However, Christ advises us to â€Å"worship in spirit and truth† (John 4:24). This psalm is Messianic in nature; the commentary describes the psalm as an imprecatory psalm. This psalm has become a popular psalm over the years. Verses 1 thru 18 of the psalm speak of the need for a Savior. This savior is The Messiah, Jesus Christ. David continues to discuss the Lord’s compassion and loving-kindness. Then, verses 19 thru 29 describe David’s vindication from his enemies. The psalm ends with praise and looks forward to the Messiah and the coming of his eternal kingdom. The prevailing Messianic tone was prayer for deliverance from suffering for the Lord’s sake. Therefore, Christ was seen as the one who was persecuted for doing God’s will. Psalm 72 refers to certain elements that will make up the millennial kingdom, where Christ will reign. The psalm goes on to explain how Christ will reign with righteousness throughout the whole world. This particular Messianic prophecy is seen in verse 1-3. Christ reigning with compassion is seen in verses 12-14. Furthermore, we see that the nation will prosper; this prophecy will be

Interest in pursuing graduate studies(Masters, Business Information Essay

Interest in pursuing graduate studies(Masters, Business Information Technology) - Essay Example As a child, I was deeply interested in technology and its applications in the daily life of people. How comfortable it made everyone's life! During my teenage days, the computer boom occurred and just about overnight, everyone owned a PC- and they refused to ever shut it down! My first computer was brought in the house amid huge excitement; everybody was amazed by the functions a simple dull-grey box could perform at the click of the button. Perhaps it was due to such an introduction that my interest for 'technology' soon developed into a curiosity for exploring the world of 'information technology' in particular. With encouragement from my parents, and a determination to take my interest to another level, I undertook several courses to develop skills in this field, many of which were far beyond my academic curriculum. I armed myself with knowledge of Microsoft Office, Visio, and Kofax Ascent Capture. I mastered languages like C, C++, HTML and XML. The more I studied it, the more pas sionate I become for this field. When the time came, I had no doubts deciding to pursue IT for undergraduate school. But that was not my sole career aim. As much as I wanted to contribute to IT, I wanted to venture into the business world and manage a company of my own. Thus, besides doing a Bachelors of Commerce Degree in IT Management at college, I successfully completed a Diploma in Business Management.

Ageing and Disability in New Zealand

Ageing and Disability in New Zealand History of Ageing in New Zealand On a National level during the 1860s there were charitable institutions set up by charitable aid boards to help older people in New Zealand. But prior to the 1880’s, the New Zealand government did not have health or welfare policies aimed towards older people. Mortality rates then were high than it is today. The service delivery for aged care in New Zealand historically developed on a regional basis causing variable differences in the type of delivery and services for the health of older people. In 1885 the Hospitals and Charitable Institutions Act made a policy that distinguishes the connections between ageing , illness and impairment which led to ageing becoming a medical terminology. Then in 1889 the first publicly provided pension was created and called a pension for â€Å" persons of good character† that were aged 65 and above. It was seen as a better alternative than the exiting â€Å"civil list† which relied on grace and favour which meant that only a few people will be able to get it. This reform was made to recognize the contributions of Maori and Pakeha in the land wars and this was handled mostly on a Regional level where government handled the funding , the local courts decided the eligibility and the post office sent out the payments. This strengthened the institutionalisation as the best way to care for the elderly and 65 was the statutory age for for retirement and pension has become a source of income which also led for ageing to be assessed medically for an older person to be eligible for support. Nationalisation for the welfare of the elderly was realised with the creation and passing of the Social Security Act of 1939, by this time New Zealand was world renowned for it’s advanced social welfare policies including old-age pension. It introduced free healthcare services to the elderly and and provided a wide range of welfare benefits. The establishment of the act made it less restrictive for older people to receive their pensions and medical benefits. The Act introduced a concept that every New Zealand citizen had a right to an appropriate standard of living and that it was the responsibility of the community to make certain that every member is safe against the pitfalls of a struggling economy from which the people cannot protect themselves. It was thought of as a solution that will end poverty in New Zealand. It had three main objectives: as a substitute for the existing system of non-contributory pension system and change it to a monetary benefits system where its ci tizens would be contributing according to their means and could take from according to what they need; to provide a nationalised superannuation or pension; and to start a universal system for the delivery of medical care benefits. In 1949 subsidies and grants was offered to religious and welfare organizations to build and run rest homes which resulted in the growth of services available for older people in particular to residential care. In 1955 the Advisory Committee on the Care of the Aged was established but changes were still far from being made as the care for the elderly is still focused on medical issues so it remained institutionalized. But in the 1960s, subsidies increased to help for the care of the elderly and it was recognised that support in the community level was needed. The 1970s and 80s saw the change in funding for elderly care and it moved away from charitable and voluntary to the private sector which led to more than 30% increase in the number of licensed rest homes in the country. The Geriatric Hospital Special Assistance Scheme was introduced, this scheme allowed hospital boards to put patients seeking public care into private ones and by the end of 1985 81% of patients in Auckland’s elderly population was under the GHSAS. In 1993 the Regional Health Authorities was established and introduced a division between the health care providers and purchasers. Funding was separated into acute and chronic care. The RHA contracted with public providers regarding acute care, rehabilitation and clinical services and religious or welfare while chronic care was contracted to private providers. This saw a marked in increase in the establishment of rest homes reaching up to 460% in some areas. In 2002 a new certification system saw the deregulation of the aged care industry and allowed facilities to develop their own staffing ratio. This year the Health of Older People Strategy was drafted, the strategy sets out a program to refocus health and support services to meet the needs of older people in the current and future situations. It is designed to be a guide to providers, planners and funders of health support services in the integration of the continuum of care. This ensures that the right services are provided at the right time in the right place by the right provider. This calls on everyone in the health industry to work together in the interest of providing quality health services for older people. Policies , Strategies and Funding New Zealand’s Health of Older People Strategy outlines policies, strategies, guidelines and how funding will be provided in the care of older people. The strategy has eight core objectives: Older people and their family/whanau are able to make well-informed choices on their options for a healthy living, healthcare and their support needs. Quality health and disability support programmes will be integrated around the needs of older people and they will be helped by policy and service planning. 3. The funding and service delivery will provide promotion of prompt access to a quality integrated and disability support services for older people, their family or their carers. 4. The health and well being of older people will be promoted through programmes and health initiatives. Older people will have access to primary and community based health services that will promote and improve their health and functioning. Access to health services in a timely mainly to improve and maitain the health of the older people. Integration of general hospital services with any community based care and support. Older people that has high and complex health and disability needs shall be given access to flexible, prompt and well coordinated services and living options that will take into consideration the needs of their family and carers. The Ministry of Health and the District Health Boards is responsible for implementing the Health of Older People Strategy. The District Health Boards need to implement these strategies by 2010 and each of the District Health Boards will need to determine on when and how these strategies will be implemented. A few number of DHBs, especially those with a high number of older people in their population have already began and established working groups to plan and develop integration of all services for older people. They work closely with the Ministry of Health to ensure that continuum of care for the elderly is achieved. The Ministry of Health will be the monitor to the DHBs progress in implementing the Health for Older People Strategy against the plans they have set out on a yearly basis. They will also initiate a review of the progress every three years that will coincide with the status reports for the implementation of the Positive Ageing Strategy from the Ministry of Social Develo pment. The Ministry will also undertake three-yearly reviews of progress to coincide with Ministry of Social Development status reports on implementing the Positive Ageing Strategy. The Ministry of Health will provide advice to the government on future funding for older people’s health and disability support services including the level of public funding and individual contributions and incentives for clients and service providers. The Ministry of Health is the one undertaking the responsibility of heading three funding projects to contribute to this strategy. 2.2 Terminology for older people Older people Aged 65 years and over and where superannuation or pension starts Baby boomers refers to people who were born after World War 1 and World War 2 where there was a marked increase in births per year Ageism the negative stereotype or discrimination against people of older age Age Discrimination the unfair and unequal treatment of people on the basis of age. Gerontology is the study of social, psychological and biological aspects of ageing Geriatrics the study of diseases in older people Elderly advanced beyond middle age Senior a person who is more advanced in life Attitudes , Stereotypes and Barriers Towards Older People In general people have negative views and attitudes towards older people. Like ageism which can be defined as systematic way of stereotyping and discriminating against people just because they are considered of old age. They are typically stereotyped as frail, weak, ill, that they are suffering from mental health issues and mental deterioration, they are poor and dependent, they are called senile and ancient, elderly are thought to have no sexual desires . On the other hand some people view old people as people living in extravagant lifestyles and that they just take from the welfare of the state. In addition to this since old people have benefits that they can get from the government especially special services from the health and welfare sector people see old people as a burden to society. These stereotypes are in fact in direct contrast to the reality that in fact the majority of older people are leading fit, healthy and independent lives. It is said indirect forms of discrimination, such as barriers to access of services where older people are not being prioritized when they are accessing some form of service like for example wanting to have a phone line connected, inadequate transportation as a form of structural barriers where elderly does not have access to convenient ways of transportation, waiting in emergency or outpatient departments in hospitals and community services that are underfunded and frequent. There are cultural barriers in meeting health needs like for example for the Maori, they perceive health in a holistic approach and they have the four cornerstones of Maori health that includes the mind, the spirit, the body and the family, and they believe in the practice of rangoa or traditional Maori medicine, often times this becomes a barrier because health care providers does not take this into consideration and therefore Maori are not able to access health services because they believe that Pakeha does no t understand how to treat them. Financial barriers are also experienced by the elderly especially if they have no family to support them and they have no savings to use. Another type of barrier is the communication barrier wherein the younger generation does not understand how to deal with the older people. It is often that some practices that were not done in the past are being accepted today , like for example male carers caring for female elderly, this causes a barrier in providing care for them. The Governments Positive Ageing priorities are outlined where the The Minister for Senior Citizens has identified three priority areas that are linked to the goals of the New Zealand Positive Ageing Strategy which are : Securing employment opportunities for mature workers where they are given flexible working hours Encouraging a change in attitudes towards ageing and older people by promoting intergenerational programmes and to reinforce the important contributions of older people to society The protection of rights and interests of older people by raising awareness of the abuse of the elderly and the prevention of neglect The New Zealand Positive Ageing Strategy helps promote and reduce barriers experienced by older people. They also improve services that older people can access. They have Ten Goals which are: 1. Income provide adequate income for older people 2. Health fair, prompt and accessible health services for older people 3. Housing provide an affordable and proper options for housing to older people 4. Transport provide transport services that older people can afford and have adequate access to 5. Ageing in the community older people can be safe and secure as they age within the community 6. Cultural diversity older people are given choices that are appropriate for cultural diversity in the community 7. Rural services when accessing services in the rural communities , it will ensure that older people are not disadvantaged 8. Positive attitudes to ensure and propagate awareness so people of all ages have a positive attitude towards ageing and older people. 9. Employment opportunities it aims to eliminate ageism and promote work opportunities that have flexible work hours for older people. 10. Personal growth and opportunities to increase opportunities for personal growth for the older people Up to today even if there are strategies and programs being rolled out by the government to increase awareness about understanding people with old age but because of these negative attitudes, stereotypes and barriers older people perceive that they are denied to participate in making decisions about their life and their health. Elder abuse in the form of physical, verbal , emotional and neglect is common in the home and in residential facilities because of the wrong way people think about the elderly. 2.3 Service provisions and access frameworks Older people find it hard to cope on their own especially if they do not have any family to support them. The Ministry of Health along with other agencies has service provisions and access frameworks that older people can utilise to help maintain their independence and quality in life, be able to stay in their own home as long as they can, and to be able to participate in their respective communities. Support services are funded and can be accessed through District Health Boards and these services are supplied by the Ministry of Health Disability Support Services, DHBs and Accident Compensation Corporation that usually hires a private contractor to provide services. These services include assistance with personal cares, household support, support for the older persons carer and support with equipments that older people may need to help with their safety at home. To be able to access these support services an older person must be a New Zealand citizen or resident who is eligible to re ceive publicly funded health services and they must meet the criteria after needs assessment. Older people who wish to access the services can coordinate with their local DHBs to be able to assessed on what support they are eligible for. The Ministry of Social Development also has service provisions and frameworks that are put in place to benefit older people like: Providing policy advice , research on retirement income and advice on a whole range of issues that affects the older people Promoting positive ageing Providing income security for veterans Administer SuperGold Card, Community Services Card and Residential Care Subsidy Provide funding for services that reduces the occurrence of elder abuse and neglect 2.4 References Auckland District Health Board. (2013). Health of Older People. Retrieved from http://www.adhb.govt.nz/planningandfunding/health%20of%20older%20people.htm Ministry of Social Development. (2007). Older People. Retrieved from http://www.msd.govt.nz/about-msd-and-our-work/publications-resources/corporate/statement-of-intent/2007/older-people.html Ministry of Social Development. (2001). Positive Ageing Goals and Key Actions. Retrieved from http://www.msd.govt.nz/about-msd-and-our-work/publications-resources/planning-strategy/positive-ageing/goals-and-actions.html Ministry of Health. (2013). What can you expect from home support services. Retrieved from http://www.health.govt.nz/your-health/services-and-support/health-care-services/services-older-people/support-services-older-people/what-you-can-expect-home-support-services Ministry of Health. (2014). Health of Older People. Retrieved from http://www.health.govt.nz/our-work/life-stages/health-older-people Ministry of Health. (2002). Health of Older People Strategy. Retrieved from http://www.health.govt.nz/publication/health-older-people-strategy New Plymouth District Council. (2010). Positive Ageing Strategy. Retrieved from http://www.newplymouthnz.com/CouncilDocuments/PlansAndStrategies/PositiveAgeingStrategy.htm#nz Oregon Department of Human Services. (n.d.). Myths and Stereotypes of Aging. Retrieved from www.oregon.gov/dhs/apd-dd-training/EQC Training Documents/Myths and Stereotypes of Aging.pdf Jaqueline Villaflores Civil ID 13161001

Goals in the Movies Center Stage and Miracle Essay -- Films Movies

Goals in the Movies Center Stage and Miracle Dreams and goals are one thing that everyone has in common. Everyone has a dream or goal that they strive for; whether it takes a couple days to accomplish, or a lifetime, everyone has at least one. The movies Center Stage and Miracle tell two different stories of triumph, using determination and the inner belief of oneself, to overcome the obstacles standing in the way of their dreams. In both of the movies they show that it takes a great deal of effort and time to reach ones goals, but everyone can accomplish them as long as their minds are set on them. In the movie Center Stage there are many characters that are trying to live their dreams. It is about a group of young kids that tried out and made it into the best ballet academy. It shows the pain, heartbreak, and tears that it took them to discover themselves and follow their dreams. Jody Sawyer is the main character in the movie. She makes it into the academy but nobody understands how she got in. They all say that she has â€Å"bad feet†(Center Stage) and does not have the â€Å"perfect body type† (Center Stage). Jody makes herself practice hard and watches what she eats to get the appreciation that she deserves from her fellow ballet dancers and the instructors of the academy. She succeeds in doing this; her determination and discipline paid off. At the Company’s final dance recital she gets a standing ovation from the whole crowd; everyone was left in awe. Jody accomplished her dream in becoming an amazing ballet dancer. The movie Miracle deals with the dreams and ambitions of the United States Olympic ice hockey team. It is a true story about courage, and ambition that lead them... ...llet dancer. In this wonderful world, dreams and goals can be achieved one way or another. There is so much opportunity in this country for everyone to succeed. The main thing that people need to remember is that it takes time and effort. Anybody can be anything they want to be; no matter what class they are in, how much money they have, or what their grandparents or parents do. It is up to the individual to set their minds to it. People just need to take advantage of all the great opportunities there are in this country. Not everyone has this many opportunities to succeed, so they need not let it pass by. With all the great universities and jobs out there, there is no reason that people should be just standing on the streets with no money to buy food or shelter. A goal just needs to be set and then the determination and discipline comes next.

Impact of Electronic Banking System Essay

1.0Background of the Study The new millennium brought with it new possibilities in term of information access and availability, simultaneously, introducing new challenges in projecting sensitive information from some eyes, whiles making it available to others. Today’s business environment is extremely dynamic and experience rapid changes as a result of technological improvement, increased awareness and demands Banks to serve their customers electronically. Bank have traditionally been in the forefront of harnessing technology to improve their products and services. The Banking industry of the 21st century operates in a complex and competitive environment characterized by these changing conditions and highly unpredictable economic climate. Information and communication Technology (ICT) is at the centre of this global change curve of Electronic Banking system in Nigeria today (Stevens 2002). Assert that they have over the times been using electronic and telecommunications networks for delivering a side ra nge of value added products and services, managers in Banking industry in Nigeria cannot ignore information system because they play a critical impact in current Banking system, they point out that the entire cash flow of most fortune Bank are linked to information system. The application of information and communication technology concepts, techniques, policies and implementation strategies to Banking services has become a subject of fundamental importance and concerns to all Banks and indeed a prerequisite for local and global competitiveness Banking. The Advertisement in Technology has played on important role in improving service delivery standards in the Banking industry. In its simplest form. Automated Teller Machine (ATM) and deposit machines now allow consumer carry out banking transactions beyond banking hours. With online with banking individual can check their account balances and make payments without having to go to the bank hall. This is gradually creating a cashless s ociety where ADOPTION OF NEW NOMENCIATURE Following the impressive performance of the subsidiaries, a management retreat was held in February, 2009 where it was agreed that unity Bank and its compendium of subsidiaries be adopt an intergrated Group Structure. Therefore, unity Bank Plc and its subsidiaries will adopt a new nomenclature that includes â€Å"Group†. This is now ‘UNITY BANK GROUP’. The members of this Group include SUBSIDIARIES (1) Unity Capital Trust Limited (2) Caranda Management Services LTD (3) Consumers no longer have to pay for all their purchase with hand cash. For example:1 Bank customer can pay for airline tickers and subscribe to initial public offerings by transferring the money directly from their accounts, or pay for various goods and services by electronics transfer of credit to the sellers Account. As most people introduced mobile banking to cater for customers who are always on the move. Mobile banking allows individual to check their account balances and make fund transfers using their mobile phones. This was populated by first Atlantic Bank(now First Inland Bank) through its â€Å"flash me cash† product customers can also recharge their mobile phones Via Sms. E- Banking has made banking transaction easier around the world and it is fast gaining acceptance in Nigeria. The delivery channels today in Nigeria electronic Banking are quite numerous as it is mentioned Automatic Teller Machine (ATM), point of sales (POS), Telephone Banking Smart cards internet Banking etc personal computers in the Banking industry was first introduced into Nigeria by Society General Bank as the popular PC easy access to the internet and world wide web (WWW) and internet is increasingly used by Bank’s as a channel of delivering the products and services to the numerous customers. Virtually almost all Banks in Nigeria have a web presence: this form of Banking is referred to as internet Banking which is generally part of Electronic Banking. The delivery of products by bank on public domain is an indication of advertisement which is known as E- Commerce. Electronic commerce on the other hand is a general term for any type of business or commercial transaction, it involve the transfer of information across the internet. E- Commerce involve individuals and business organization exchanging business information and instructions our electronic media using computers, telephones and other communication equipments. This covers a range of different types of business from consumers to retails products. However Electronic banking as it is a product of E- Commerce in the field of banking and financial services. It’s offers different online services like balance enquiry, request for cheque. 1.1 Book Recording Stop Payment Instructions Balance Transfer Instructions, Account Opening and other form of traditional banking services. The internet allows businesses to use information more efficiency by allowing customers, suppliers, employers and partners to get access to the business information they need when they need it. These internet enabled services all translate to scale and increased efficiency. E- Banking greatest promise is timelier, more valuable information accessible to more people at reduced cost of information access with the changes in business operations as a result of the internet era, security concern move from computer labs to the front page of newspaper. The promise of E- Banking is offset by the security challenges associated with the disintermediation of data access. One security challenge results from â€Å"cutting out the middlemen† that too often cuts out the information security the middleman provides. Another is the expansion of the user community from small group of known vetted users accessing data from the intact to thousands of users accessing data from the internet. Application service providers (ASP) and exchanges offer especially stringent – and sometimes contradictory – requirements of per user and per customer security while allowing secure data sharing among communications of interest. E- Banking depends on providing customers partners and employees with access to information in a way that is controlled and secure. Technology must provide security to meet the challenges encountered by E- Banking. Virtually all software and hardware ventures claim to build secure products but what assurance does an E- Banking have of a products security? E- Banking want a clear answer to the conflicting security claims they hear from vendors. How can you be confident about the security built into a product independent security evaluations against internationally established security criteria provide assurance of vendors security claims. Customer expectation in term of service delivery and other key factors have increased dramatically in recent years, as a result of the promise and delivery of the internet. Even after athe â€Å"dot-comcrash† these raised expectations linger The growth in the application and acceptance of internet – driven is more achievable than ever before, however it is also more complex and fraught with potential costs and risk. The internet introduces customers to a new perception of business time as always â€Å"on available 24/7 and demanding an urgent and rapid response† The challenges for managers is to reconcile their business and their own personal perceptions of time with perceived reality of internet time. The internet has decisively shifted the balance of power to the customer. The internet is revolutionizing sales techniques and perceptions of leading brands and the internet is intensifying competition in all its forms. Banking are continuing to use the internet to add values for their customers but in order for this to work effectively maximizing opportunities reducing risks and overcoming problems an E- Banking strategy is required as an impact. The growth of the web and internet as new channels the growth in their use by customers and the flows of companies entering the market presents a series of key challenges to companies. It is easy and cheap to put up a website. But to create an environment delivering effective service on the web to a significant proportion of your customers base requires an E-Banking strategy. Electronics banking offers different online service like balance enquiry, request for cheque books, recording stop payment instructions, balance transfer instructions, account opening and other form of transitional banking services. 1.2Statement of the Problem In Nigeria, Customers of banks today are no longer worried about safety of their funds and increased returns on their investments but rather demand efficient fast and convenient service. Customers want a bank that will offers them services that will meet their particular needs (persionalized banking) and support their business goods for instance ; businessmen want to travel carryout cash for security reason they want to be able to check their balance online find out if a cheque is cleard transfer funds among accounts and even want to download transaction record into their own computer at work or home. Customers want a preferential treatment and full attention by their choice bank. All those are only achievable through electronic banking In line with rendering qualities and acceptable services that most bank in Nigeria are gearing toward and investing large sum of money in information and communication technology. Expectedly such banks services have been improved. United Bank for Africa (UBA), Zenith Bank, ( to mention view) are in the forefront in the use of IT in rendering services to their customers the Guardian News paper April 18, 200 & 21). It also 12 seeks the challenges involved in electronics banking and best industrial practices and the approach of implementing them in Nigeria system. 1.3Objective of the study The main objectives of the research work is to examine the impact of electronic banking in Nigeria banking system channels as well as different that could enhance the delivery of consumers and retails products, and also how bank choose to support their electronic banking component services internally, such as internet services provider internet banking software, core banking vendor, managed security services provider, bill payment provider, credit business and credit scoring company Specifically the study objective are;- 1 To evaluate the prospects electronic Banking in Unity bank plc 2 To evaluate the impact of electronic banking in Unity Bank plc 3 To examine the effect of electronic banking has it improve the fortune of the bank. 1.4Statement of Research Questions Since the release by CBN, August 2003 and the subsequent policy on the guideline of electronic banking system in Nigeria One of the question that is currently being addressed is the impact of electronic banking on the traditional banking player, there are two view that are prevalent in the market. The controversies that the internet is a revolution that will sweap away the orders, argument in are as follow Electronic banking transaction are much cheaper than the branch transactions. Banks are easy to set up with lots of new entrants. Deposits will go elsewhere because these banks will have to fight to regain their customer base There would be increase in their cost of funds making businesses less viable. Portal providers are likely to attract the most significant share of banking profits. Traditional banks will find it difficult to evolve; they will be unable to obtain additional capital from stock market. E- banking as an evolution than a revolution. 1.5Research Hypothesis The following hypothesis are formulated in null form to guide study; 1 HO; Electronic banking does not have prospect in Unity bank plc HI; Electronic banking has prospect in Unity bank plc 2 HU; Electronic banking has not impact on Unity Banks plc 3 HO2; Electronic baking has impact on Unity bank plc H3; Adoption of electronic banking enhance the fortune of Unity banks pls. 4. H4; Electronic banking does not improve bank customer’s relationship 5.Ho; the bank electronic banking guidelines does not comply with the CBN electronic banking guidelines. HU; the Bank electronic banking guidelines complies with the CBN electronic bank guidelines. 1.6Significant of the Study The study would enable the bank executives and indeed the policy makers of the bank and financial institution to be aware of electronic banking as a product of electronic banking with a view to making strategic decision. The research is equally significant because it would provide answer to electronic banking in Unity bank Plc. 1.7 Scope of the Study In pursuance of the objective of the study, attention shall be focused on electronic banking among other electronic commerce empirical investigation into the adoption of electronic banking in Nigeria and will also examine the nature of electronic banking operation in Unity Bank Plc from 2007 to 2009,. 1.8Limitation of the Study In view of the technicalities involved. It would be unrealistic to assume that all necessary facts have been gathered in the process of the study information gathered is limited to those accesses and made available by the respondents and those gathered from end users However the impacts of this limitation will be reduced to the barest minimum. 1.9Definition of Related Team 1.Access product – product that5 allow consumers to traditional payment instrument electronically, generally from remote locations. 2.ATM card – UB debit card is a chip device consisting of circuit element on single silicon chip The card a complex circuits that process micro processor with a single chip that contains the complete arithmetic aid logic unity of computers. 3.Chip card A card knows as an integrated circuit (IC) card. A card containing one more computer chip or special purpose processing used to validate personal identification. 4. Smart card – A card with a computer chip embedded on which financial health education and security information can be stored and processed. 5.Western Union Money Transfer (WUMT) is a product that allowed people with relatives in Diaspora who may be remitting money home for family up keep, project financing school fess etc Nigeria communities known for having their siblings gainfully employed in other parts of the world are idle market for Western Union Money Transfer. CHAPTER TWO 2.0.LITERATURE REVIEW 2.1 HISTORICAL BACKGROUND OF CASE STUDY Brief Profile of Unity Bank Plc Unity Bank Plc is one of the leading retail in Nigeria which emerged from the lagest merger and consolidation of Nine Banks intercity Bank, First interstate, Tropical Commercial pacific Centre point, NNB Bank of the North and New Africa Bank Limited and spearheaded in investment banking corporate and retail banking came together in January 2006 to from Unity Bank Plc. It has 284 business officers spread across the country and working to increase this number in the nearest future. Unity Bank is the sixth largest Bank in Nigeria today by business locations. The Head Office is located at plot 785, Herbert MacaulayWay, Central Business District, Abuja While the Head Office Annex is at No. 290, Akin Olugbade Street, Victoria Island, Lagos. The Mission of the Bank is to create superior wealth for our stakeholders and The Vision is to be one of the top Five financial service institutions in Nigeria by 2013. Vision Drive Strategic Objectives (a) Financial * Attain a set minimum balance sheet size with respect to Asset size and profitable by the year 2013. This is referred to as 5-in-5 taking it from 2008 to 2013. * Achieve Industry Top 5 position in rate of return on Equity * Achieve Industry Top 5 ration of income to cost (b) Customer * Build a superior customer service environment within Unity Bank (c) Technology * Significantly improve Technology leverage within the Bank (d) Human Capital * Build a winning human capacity and Spirit. (e) Retail Focus * Build the nation’s number 1 retail Bank. 2.1.2INTRODUCTION TO ELECTRONIC BANKING SYSTEM Electronic banking system is a conventional banking system which stated in Nigeria in 1952; (Benjamin 2001). Since then the industry has witnessed a lot of regulatory and institutional advances. The industry was being controlled by at most five out the 89 banks in existence before the commencement of the merger and acquisition of banks in Nigeria economy. Multiple branch systems is also one of the notable features of Nigerian Banks, with a total of 89 banks accounting for about 3017 bank branched nationwide as at 2004. As well the industry was faced with heavy challenges including the overbearing impact of fraud and corruption. Erosion in public confidence a poor capital base persistent cases of distress and failure poor asset quality and so on. Part of the move to resolve these lingering problems including the banking reform initiated by the Central Bank of Nigeria in June 2004, which is largely targeted at reducing the number of Banks in the economy and making the emerging banks stronger and reliable. So far the banking reform has been a success story with 25 mega banks emerging after the recapitalization exercise which ended on 31st December, 2005 in the bid to catch up with global development and improve the quality of their service delivery. Nigeria banks have no doubt invested much o technology and have widely adopted electronic and telecommunication network for delivery a wide range of value added product and service, they have in the last few years transformation from manual to automated system. Unlike before when ledger cards were used, today banking has been connected to information technology networks thereby facilitating the practice of inter – banking and inter – Branch ban king transactions. Development domestically has the introduction of mobile telephone in 2001 and improved access to personal computer and internet service facilities have also added to the growth of electronic banking in the Nigerian banking sector, However where as local banks most commonly practice real time on line internet banking, the integration of customers into the process is far from been realized. Many of the reason are attributed to the high prevalence of internet fraud and lack of an adequate regulatory framework to protect the banks from the volatility of risk associated with internet banking especially at the levels of communication and transactions. In the main Nigeria is globally regarded as the headquarters of Advance Fee Fraud which is perpetrate mostly via the internet (Journal of international affairs Vol. 51, 209 – 301. 2.2 THE VIEW ON ELECTRONIC BANKING The vast majority of the recent literature on electronic money and banking suffers from a narrow focus. It generally ignores electronic banking entirely and equates electronic money with the substitution of currency through electronic gadget Such as smart cards and virtual currency. For example Freedman (2000) proposes the electronic banking and electronic money consist of three device; access devices stored value cards and network money. Electronic banking is simply the use of new access device and is therefore ignored. Electronic money then is the sum of stored value (smart) cards and network money (value stored on computer hard disks). What is most fascinating and 23 revealing about this apparently popular view is that electronic banking and electronic money are no longer functions or processes but devices Within this rather narrow scope for electronic money there are nonetheless many research that address one or more of the challenges facing it Santomero and seater (1996) print (1991) and sliy and Tarkka (2002) and many others present models that identify conditions under which alternative electronic payment substitute for currency to emerge and flourish on a large scale depending on the characteristics of the various technologies as well as the characteristics of the potential user Berentsen (1998) considers the impact that the substitution of smart cards for currency will have o monetary policy arriving that although electronic substitutes for currency substitution will leave the demand for Central Bank reserves largely intact Good haft (2000) discuss how monetary control would in an economy in which Central Bank currency has been partially or completely replaced by electronic substitutes. Conan (2001) distinguishes between monetary control and monetary anatomy where monetary control is the ability of the of the Central Bank to influence output and price, Cohen that the introduction of electronic currency substitutes will not reduce monetary autonomy other hand; Kobrin (1997) arques that electronic currency substitutes are 24 part of a general process of technological advance and globalization that are rendering national authorities of all kinds important and obsolete. Lee and long – Akindemowo (1999) present the standard justification for regulation of financial markets systemic risk and consumer protection; they argued that both will justify regulation of electronic currency substitutes they noted that European regulators have already defined stored value cards as the taking of a deposit so that only banks may issue them, several other authors particularly Central Banks such as freedman (2000) have argued that the state can always use its power to regulate electronic money providers if they prove to be determined to monetary policy or finance stability. Helleiner (1998) makes the case that such coercive power will still be effective in a world of electronic banking. Tanaka (1996) on the other hand, proposes the establishment of a monetary authority in cyberspace that will control electronic currency substitutes. Friedman (1991) point out that electronic banking presents the possibility that an entire alternative payment system not under the control of the Central Bank of Nigeria may arise, in an extreme variant of freedman King (1991) argues that today computers make it at least possible to bypass the payment system altogether instead using direct bilateral clearing and settlement; the responses to Friedman. Woodford (2000) argue that the central bank will either continue to provide the payment system of choice or will find alternative ways to conduct monetary policy through stabilization of short term interest rates regardless of what form of money is being used. Although this second set of research introduces some critical issue, it is too vague about what exactly is meant by electronic money and banking. Part of the vagueness stems from the focus of these papers on the payment system rather than on the payment media. Nonetheless a complete view of electronic money and banking should include both the payment system and the media used in the system. The feasibility of an alternative payment after all is intimately tied to the feasibility and desirability of the media flowing through that system. 2.3ELECTRONIC BANKING AND THE COMMON BANKING PRODUCTS The use of information technology in banking operations is called electronic banking Ovia (2001) argue that electronic banking is a product of e – commerce I the field of banking and financial service. i what can be described as business – to – consumer (B2C) domain for balance enquiry request for cheque books, recording stop payment instructions, balance transfer instruction, accounts opening and other forms of traditional banking service, Banks are also offering payment services on behalf of the customer who shop in different e- shop. 2.3.1TELEPHONES AND PC BANKING PRODUCTS This is a facility that enables customer, via telephones calls, find out about their position with their bankers merely dialing the telephone numbers given to them by the banks in addition the computer on the phone would require special codes given to the customer as a means of identification of authentic users before they can receive any information they requested for. This is a service introduces into the banking balance as a result of computer telephone technology being made available Ovia(2001) the technology baking has a universe of possible application limited only by the imagination, these areas include: Account balance enquiry: Account statement printing intra – Banks Account to Account Transfer: inter – Banks Account to Account Transfer: Download Account Transaction etc Telephone and Pc banking brings the bank to the doorstep of the customer, it does not require the customers to have his premises: interaction voice response becomes a regular feature of operatio ns: Text – to – speech capability becomes reality: A uniformed messaging capability become permanent feature of the bank. 2.3.2THE CARD SYSTEM The card system is a unique electronic payment type. The smart card are plastic devices with embedded integrated circuit being used for settlement of financial obligations. The power of card lies in their sophistication and acceptability to store and manipulate data, and handless multiple application on one card security (Amedu 2005) Depending on the sophistication, it card and ATMs ( Automatic Teller Machine) While the electronic card is gaining popularity in USA and Nigeria, the Spanish financial institution demonstrated the highest implementation and update of smart card accords Europe (Amedu 2005) The smart cards was introduce into the Nigeria market to reduce or eliminate problems of carrying cash about (Amedu, 2005) it is electronically In addition it also contains security programs these protect transactions between one card user and the other, it between one card user and the other, it can also be transferred directly to a retailer, merchant or other outlet to pay for goods a nd services and like cash, transaction between individuals without the need for banks of the other third parties, Also the system does not require central clearing. It is valued immediately. Also the system allows transfer of one value to the other hence it operates like cash. 2.3.3THE AUTOMATED TELLER MACHINE (ATM) Worldwide the use of paper cash still remains the most widely used and acceptable means of setting financial transaction in increasingly on the decline especially in advance economics (Amedu 2005). In USA where the use of cash is still prominent compared with European countries it represents 50 percent or more of the total transactions. Of course, cash is a non – electronic payment method. However the physical carriage of cash as well as the visit to the bank branches is being reduced by the introduction of an electronic device ATM. An ATM device allows a bank customer to withdraw cash from his account via a cash dispenser (Machine) and the account is debited immediately. A fundamental advantage is that it needs not to be located within the banking premises. It is usually in stores, shopping malls, fuel Satiations etc 2.3.4CHEQUE A cheque is a paper based payment instrument whose usage are still gaining ascendancy the Automation focus on this instrument is to reduce the number of clearing days and improve on security arrangement in the course of settlement and collection. For examples in Nigeria the Central Bank of Nigeria CBN has just embarked upon online clearing and Nigeria has signified interest and signed path to this project (Johnson 2005) 2.4THE ENTRY OF NIGERIAN BANKS INTO ELECTRONIC BAKING. Electronic banking both as a medium of delivery of banking service and as a strategic tool for business development has gained wide acceptance internationally and more banks entering the fray. Nigeria can be said to be the threshold of a major banking revolution with net banking having already been unveiled (Ovia 2001) of all the sectors in the Nigeria economy, Banking stands out despite â€Å"a not too good† economy Electronic banking provide the facility of accessing customer account from anywhere in the world by using home computer with internet connection, is particularly fascinating worth individuals having multiple bank account the growth potential is therefore, immense. Further incentives provide by banks would dissuade customers from visiting physical braches, and thus get hooked to the convenience of armchair banking at present the situation does not seem to have shown any significant improvement where as about 90 percent of the banks in the country offer other forms of electronic banking service like telephone banking ATM and electronic fund transfer, internet banking is yet to take center stage. This aspect of baking is still at the basic informative stage (Ovia, 2001) this is so despite the widely acclaimed benefits of internet banking against the traditional branched banking practice part of the reason indentified for the inability of banks in Nigeria to take full advantage of this mode of banking includes lack of adequate operations infrastructure like telecommunications and power upon which electronic banking generally relies, Development process, internet b anking can be said to have less I the existing banking structure in the country Earlier articulate reason why internet Banking was having a moderate economic impact in the country including that Nigerian Banks customers are not on the average trained on for teller jobs and the working of internet banking a situation which makes transaction processing via internet banking prone to error; the absence of a clearly defined frame – work for internet banking, leaving banks with inadequate legal cover to provide the service and poor telecommunication infrastructure all over the country. In addition the fact that internet assuage in the country has been abused by cyber – criminals makes its window unattractive for domestic banking operations and legitimate international operations. The inherent banking service in Nigeria is against re – enforced by the growing evidence that the world over, dubook Nigerians use fake website to scoop fund from unsuspecting victims. In som e cases, these crimes are committed using existing banks sites. 2.5.1THREAT OF CYBER – CRIMES ON THE NIGERIAN BANKING SITES. The Advantage fee fraud or 419, which is one of the popular of all interest frauds Has of its origin from Nigeria in the 1980s it development and spread follows the path of the development in technology at inception, postal letter were used as key media for committing 419 frauds. Later in the early 1990s it became integrated into telecommunication facility such as the telephone and fax from the late 1990s following the introduction of computers and internet 419 crimes became prevalently perpetrated through the use of e-mail and other internet means (Amedu 2005) the latest dimension taken by the perpetration of this crime is the use of fake internet bank site and using that to encourage victims to open account with them. The country is the third high est ranked in internet money offer fraud As was reported in one of the national newspaper frauds and forgeries in Nigeria bank as at June 2005 Stood at 329 or N1.15 billion monetary equivalent against 222 cases or N1.47 billion monetary equivalent in April same year, There is even global suspicion that a Nigerian crime Syndicate that Coordinate global crimes such as money laundering bank fraud and 419 searms exist today. These issues basically defeat he key ingredients of electronic banking which include confidentially integrity and availability. Several factors are responsible for the above situation. They include inordinate tolerance for corruption among Nigeria public and government agencies; weakness of the existing legislative judicial institution to makes and enforce relevant laws on cyber crimes quality of graduates I terms of professional value and ethics chronic unemployment among graduates and the widening gap between the few rich and the many poor caused mainly by bad government. In the main, erosion of good value principles and corruption constitute the greatest cause of using cyber-crimes among Nigeria (Domestic electronic payment in Nigeria) (Amedu, 2005) this according to transparency international is worsened by fact that sever generation of Nigerians have been raised in this norm, Hence what is seen as a dangerous global crime is socially acclaimed and glamorized in Nigeria. The above situation constitutes the environment upon which electronic banking has emerged in Nigeria although the level of the adoption and practice of electronic baking (especially internet banking) has remained quite insignificant global projections still remains that information technology would continue to pay a revolutionary role in the development and delivery of banking products and services all over the world. In effect it is this projection that has raised pertinent regulatory questions concerning electronic banking like Nigeria. One key issue here borders on how to handle the rising level of frauds and forgery prevalent I the entire banking system and how to make internet banking system and how to make internet banking fit well in the banking structure of a country so notoriously identifiable with criminals use internet access. 2.5.2THE REGULATORY CHALLENGES At the national level the Nigeria government and the relevant regulatory agencies have strived to match the rapidly changing electronic banking environment with necessary regulations and frame works (Soludo, 2005) earlier effort made to this effect including the enactment of the failed Bnaks (Recovery of Debts) and malpractices in Bank Decree NO. 18 of 1994 and the money laundry of 1995. However as noted above poor enforcement procedure rendered these instrument very inactive in checking the menace of financial crimes. By the late 1990s following record growth internet and computer usage in the regulations girding the banking industry including the banks and other institution Act of 1991 were lacking adequate provisions to accommodate the emerging trend. Not even a mention of electronic banking or any manner of its application was mentioned in any of these prevailing regulation documents the situation created a lot of gaps between the levels 32 of CBN regulatory tools and the same ti me made the bank venerable to all kind of risk (Soludo 2005) This deficiency notwithstanding, it is not until 2003 when the maiden guidelines on electronic banking guidelines emerged from the finding of a Technical committee on electronic banking set up by the Central Bank of Nigeria in 2003 to find appropriate modalities for the operation of the committee that electronic banking in August 2003 of the key provision of the guidelines only a section deals with issues of the guidelines only a section deals with issues relating to internet Banking section paragraph 4 of the guidelines exception any stresses that banks should put in place procedures for maintain the banks web site including the various security features needed for internet banking service (CBN 2003) Despite its numerous technical specifications he guidelines have been widely criticized as not being enough to check the growing popularity of electronic banking against the back drop of growing sophistication in technology r elated crimes and frauds. Closer examination of the content of the guidelines equally shows that the document fails to meet up with the four keys areas where electronic banking may have regulatory impact – changing the traditional lines upon which existing regulatory structure are laid handing concerns about existing public policy issues changing the natural and scope of existing risks and rebalancing regulatory rules and industry discretion Again some important recommendation of the Technical committee that gave rise to the adoption of the guidelines was paragraph 6.1 of the committee reports which among others recommended that all banks intending to offer transaction service o the internet other e-banking product should obtain an approval in – principle from CBN prior to commencing these service. Part of the criticism is that the recent guidelines are capable of constraining the practice and development of Electronic Banking Nigeria. One of such for instance is the requirement on electronic banking product development while acknowledgement that the existing regulations would apply wholly on emphasized that only banks section 4.2 of the guidelines emphasized that only banks which are licensed supervised and with physical presence in Nigeria are permitted to offer electronic banking service in Nigeria and that virtual banks are not to be allowed the guidelines also gives indication that the products services can only be offered to residents of Nigeria with a verifiable address with the geography boundary of Nigeria any person resident permit or other legal residency designation under the Nigeria immigrations any person know were in as a classified person who neither is temporarily in Nigeria. The guidelines go further to indicate that the e-banking service should be offered in Naira only and that where such a service is to be provided in foreign currency it should be to only the holders of ordinary domiciliary account and conform with all foreign exchange regulation on some other aspects, the guidelines have been criticized by unity bank executive and customers for not addressing adequately the critical issues concerning internet security it failed to explicitly recommend a standard that allows banks to examine in each individual financial institutions current network. In addition to this array of criticisms the workability of proper internet framework is also queried amidst the poor state of basic information technological infrastructure in the country. This is essentially necessary since electronic Banking generally relies on the existence of adequate operational infrastructure like telecommunication and power to function effective through little success has been recorded the supply of these requisite facilities is very erratic in the Nigeria case. Were they exist high cost of acquisition and maintenance tend to deny a greater percentage of the population access to them the case of internet access is a glaring one where majority of the citizen rely solely on the services of commercial cyber cafes to the E- Banking Guidelines to provide procedures not only for banks investment in internet facilities but also in promoting customers access to such. Unfortunate none of such is contained in the document. Prior to the merger, each of the four banks maintained a unique brand discernable areas of coverage an easily identified degree of strength and competencies in various areas of the banking service and a fair share of the market. Technology is undoubtedly a very important tool of every banks competitive strategy. It had drawn the line between success and failure. The deployment of Banks, web enable new generation enterprise banking solution has enable UNITY BANK to offer its customers banking service at their door step. The bank runs on a completely centralized system with BANKS (Version 6.2) as the main Banking Application the Banks innovation technology driven product are product are central and they have pioneers in the area of e-banking in Nigeria. 2.5.3ELECTRONIC BANKING PROFITABILITY AND EFFICIENCY Commercial banks assaulted by the pressure of globalization competition from non-banking news ways to add value to the service the question what drives performance? Is at the top in understanding superior performance and hence striving for it substantial research effort have gone into addressing this questions starting from the strategic level and going down to operational details. A key study bench marking the strategies of leading retail banks and (vander Velde 1992) This study is based on the opinions of head of retails banks at all us commercial banks established the linkage between marking operations organizing excellence this finding lead to the formulation of the service management strategy encapsulated in the trail operational capabilities service quality performance capability service quality performance (-SQ-P) (foth and Iackson 1995) the C-SQ-P trail is in turn a focused view of the service profit chain described by (heskettet all 1994) based on their analysis of successful service organizations. 2.5.4BANK CUSTOMER RELATIONSHIP Bank customer relationship is just a special contract were a person entries valuable items with another person with an intention that such items shall be retrieved on demand from the keeper by the person who is entrusted with above mentioned valuable items shall be retrieved on demand from the keeper by the person who so entrust thus the banker is the one who is entrusted with above mentioned valuable items while the person who entrust the items a view to retrieving it on demand is called the proxy. The banker too is under obligation to pay so long the proxy is dully authorized by the customers. The relationship is also fiducially. The terms and condition governing the relationship should not be leaked to a third party particularly by the bankers, Also items kept should not be released to a third party without due authorization by the customer. 2.6OPERATIONAL OF FINANCIAL INSTITUTION Financial institution provide service as intermediaries of the capital and debt markets, they are responsible for transferring funds from investor to companies in need of those funds financial institutions facilitate the flow of money through the economy to do so, saving are pooled to mitigate develop revenue. Should the yield curve become inverse film in this arena will offer additional fee generating services including securities underwriting and prime procreate. CHAPTER THREE RESEARCH METHODOLOGY 3.1INTRODUCTION This chapter describes the techniques and procedure used by the research in conditioning the study and accumulating the data for the population of the study througth sampling techniques Sample size source of data method collection and method of data analysis and testing hypothesis 3.2POPULATION OF STUDY The population to be used in this study covers all the 40credit officers of Unity Banks plc The population selected was designed to obtain adequate and diverse views pertaining to the level and impact of electronic banking in Unity bank. 3.3SAMPLING TECHNIQUES The technique is used to ensure that all the segment of the population is included in the study 3.4SAMPLING SIZE The sampling size to be used by the researchers in this study constitute (40) Unity Bank Officers 3.5SOURCES OF DATA The researcher uses both the primary and secondary data in the study. The primary data are collected by the researcher through the use of questionnaire while the secondary data are data collected from CBN electronic banking guideline annual report of Unity Banks Plc and CBN annual report e.t.c 3.6METHOD OF DATA ANALYSIS The study used both descriptive and inferential statistics in analyzing the data Also Simple frequency counts in percentage and the chi-square were used in the data analysis. 3.6.1TEST OF HYPOTHESES AND INFERENCE The Chi-square test was employed by the researcher to test the significance of the responses from the credit officers of Unity Bank plc (respondent) The Chi Square test is performed by defining the numbers of case fully in each category. The formula for the Chi- Square is: 0O-e2 e O: = Number of observed case in category E: = Number of expected cases in category K: = Number of category Summation Runs from 1 =1 to 1 – k 3.6.2DECISION RULE AND NOTIFICATION A set of decision rule is the verbal equivalent of a graphical decisions tree, which specifies class membership based on a hierarchical sequence of (Contingent) decisions. Each rule in a the form of a Horn clause where in class membership is implied by a conjunction of contingent observations. CHAPTER FOUR DATA ANALYSIS AND DISCUSSION FINDINGS 4.1A total of 40 questionnaires were distributed to the various credit officers of the unity bank plc in Lagos state after the questionnaires were filled by the respondents and collected back they were screened a sorted out by the researcher the detail of of the returned questionnaires shows that out of 40 sent out,only 35 were completed. Hence 87.5% of the respondent returned their questionnaires. 4.2PRESENTATION AND ANALYSIS OF DATA 4.2.1QUALIFICATION OF RESPONDENT The researcher was able to meet with the respondent to know their level of qualification, the able below shows their different qualification and their response. Table 4.1 ; Qualification of Respondent s ALTERNATIVE RESPONDENT PERCENTAGE OND 5 14 3 HND 9 25 7 BSC 14 40 M.SC / MBA 7 20 PHD 00 TOTAL 35 100 Sources; field survey, 2013 40 Table 4.1 shows the number of respondents by qualifications. The data collected indicated that 14 or 40% of respondents are B.sc Holder, 9 or 25.7% are HND holders, while 7 or 20% are master holders and non among have PHD. Therefore it could be inferred that majority of the credit are B.sc Holders 4.2.2WORKING EXPERIENCE The research was able to meet with different respondent to know their years experience with unity bank plc. Table 4.2 years of Experience with unity bank plc. ALTERNATIVE RESPONDENT PERCENTAGE 1-5 years 8 22.9 6-10 years 10 28.6 11-15 years 9 25.7 16-20 years 6 17.1 21 years and above 2 57 TOTAL 35 100 Sources ; field survey 2013 Table 4.2 shows how long the respondents have been working with bank form the data collected it could be seen that 12 or 40% of respondents have spent between 1-5 years working with the bank, while 16-20 years and 2 or 25.7% between 11-15 years 6 or 17.1% between 16-20 years and 2 or 5.7% for more than 21 years. In view of this fact it could be deducted from the analyzed data in table 2 that 77.1% of the respondent have spent appreciable period of 5 years and above working in the bank. 4.2.3CADRE OF RESPODENTS ALTERNATIVE RESPONDENT PERCENTAGE Junior credit officer 14-40 Senior credit officer 21-60 Total 35-100 Sources; field survey, 2013 Table 4.3 shows that 21 or 61% of respondent are senior credit officers with the bank while 14 or 40% are junior credit officers. Therefore the bank senior credit officers are more than the junior ones 4.2.4PROFESSIONAL QUALIFICATION The respondents were asked about their professional qualifications and their responses were presented below Table 4.4 professional Qualification ALTERNATIVE RESPONDENT PERCENTAGE Associated chartered Accountant (ACA) 16 45.7 Chartered Institute of Bankers of Nigeria (CIBN) 15 42.9 Certified Auditor 2 5.7 Certified information System 2 5.7 Total 35 100 Sources; field survey, 2013 42 Table 4.4 shows that 16 or 45.7% respondent are members of Chartered Accountant on 7% Nigeria, 15 or 42.9% of the respondent are professional bankers and 2 both 2 or 5.57% are for certified auditor and certified information system respectively. Therefore most workers in the bank are professional and such one would expect quality services and information from them 4.2.4DEPARTMENT OF RESPONDENTS The respondent were asked of their department are from different department and their responses were presented below. Table 4.5 Department of Respondent ALTERNATIVE RESPONDENTS PERCENTAGE Human Resource 3 8 6 Cleaning and Cash Management 13 37.1 Business Development 25.7 Information Technology 12.9 Credit and Making 16 45.7 Total 35 100 Source: Field Survey, 2010 Table 4.5 indicate that 3 or 8.6 of the respondents are the human resources department 13 or 37% Clearing and cash management 2 or 5.7 to business development while 1 or 2.7% of the respondents are information. Technology department and 16 or 45.7% of the remaining are in credit and marketing Therefore, it could be deduced from the data analyzed above that credit and marketing department has the higher number of staff as such the bank will always strive to gainthe larger share of market share. 4.2.6THREAT TO ELECTRONIC BANKS The respondents were asked of the threat involves in electronic banking and their responses were presented below. Table 4,6 Threat to Electronic Banking ALTERNATIVE RESPONDENTS PERCENTAGE Adequate Security 00 Legal threat 00 ATM Found 00 Poor communication link 00 All of the above 35 0 Total 35 100 Source: Field Survey, 2010 Table 4.6 show that all respondents i.e 35 or 100% of the respondents were of the agree opinion that the bank place more emphasis in all the electronic banking threat to determine its effectiveness. 4.2.7THREAT ASSESSMENT The respondents were asked about their assessment of threat involved in electronic banking and their responses were presented below: Table 4.7 threat Assessment ALTERNATIVE RESPONDENT PERCENTAGE To a high extent 0 0 To a moderate extent 27 77.1 To a lower extent 6 17.1 44 No respond 25.7 Total 35 100 Source: Field Survey, 2010 On the assessment of the Unity Bank Electronic Banking System, 27 or 77.1% of the respondent were 6 or 17.1 low and 2 or 5.7% sow no respond and more respondent with opined of high. Therefore based in the Data collected, it shows that the bank has low incidence of threat in electronic Banking System. 4.2.8RESPONDENT ASSESSMENT OF UNITY BANKS ELECTRONIC BANKING SYSTEM The respondents were asked of the assessment of Unity Bank plc Electronic Unity Bank and their responses were presented below: Table 4.8 Unity Bank Electronic System ALTERNATIVE RESPONDENT PERCENTAGE Excellent 5 14.3 Very Good 27 77.1 Good 3 8.6 Fair 00 Poor 00 Total 35 100 Source: field Survey, 2010 Table 4.8 shows the assessment of electronic banking system of Unity Bank 27 or 77.15 of the respondents have the opinion that they are very good while 5 or 14.3% excellent and 3 or 8.6 considered it as a good and none of the respondent opined that it is either fair or poor. 4.2.9INFORMATION TECHNOLOGY TRAINING PROGRAM the researcher was able to ascertain the level of information technology training program in Unity Bank plc and the responses are shown below: table 4.9 IT program ALTERNATIVE RESPONDENTS PERCENTAGE Strongly agreed 5 14.3 Agreed 26 74.2 Undecided 3 8.6 Disagree 1 2.9 Strongly Disagree 00 Total 35 100 Source: Field Survey 2010 On the assessment of training development program for Unity Bank Offecers the table 9 show that 26 or 74.2% of the respondents were of the agree opinion, 5 or 14.3% strongly agree 3 or 8.6% undecided and 1 or 2.9% disagree and none respondent opened on strongly disagree therefore the bank have information training development programs respondent were of the agree opinion. 4.2.10LEVEL OF ELECTRONIC BANKING The respondent were asked about the level of electronic banking and response is shown in table 4.10 Table 4.10 level of electronic banking ALTERNATIVE RESPONDENT PERCENTAGE Strongly agreed 11 31.4 46 Agreed 22 62.9 Undecided 00 Strongly disagree 00 Total 35 100 Source: Field Survey 2010 Table 4.10 shows that 22 or 62.9% of respondent were of the agree opinion that electronic banking system has make banking transaction more easier, 11 or 31 45% strongly agree while 2 or 5.7% were undecided and none of the respondent is either of the disagree or strongly disagree opinion. From the data, it indicates that the banking transaction has been made easier with the introduction of electronic banking. 4.2.11IMPROVEMENT OF CUSTOMERS SATISFACTION The respondent were asked about the level of satisfaction derived from electronic banking and their response is show in table 4.11 below: Table 4.11 customers satisfaction improvement ALTERNATIVE RESPONDENTS PERCENTAGE Strongly agreed 13 37.1 Agreed 21 60 Undecided 12.9 Disagree 00 Strongly disagree 00 Total 35 100 Source: Field survey, 2010 47 Table 4.11 shows that 21 or 60% of the respondent were of the agree opinion that electronic banking have improve customers satisfaction 13 or 37.1% strongly agree while 10 or 2.9% undecided and non respondent disagree, therefore, agree opinion having higher percentage shows that electronic banking has really shows that electronic banking has really improved customers satisfaction. 4.3TEST OF HYPOTHESIS 4.3.1HYPOTHESIS ONE Electronic Banking does not have prospect of electronic bank in Unity Bank Nig, Plc Table 4.12 Chi- Square table on the prospect of electronic banking in Unity Bank Respondents view O; – Ei (O; – E;) Strongly agree 1578649.14 Agree 167981 11.57 Undecided 27-525 3.57 Disagree 17-636 5.14 Strongly disagree 17-636 5.14 Total 353550242 34.56 Source: Computer from Data 2010 Therefore Z2 (Chi-Square) Value Calculator is 34.56 the degree of freedom K-L, 5-1 = 4 from the Chi-Square rule Table x 22 4; 0.05 = 9.4877 Therefore x2 Calculated = 34.5,6 X2 Tabulated = 9.4877 48 Decision rule: Since x2 Calculated is greater than x2 Tabulated (34.56779.4877) at 5% confidence level and 4 degree of freedom the first nul hypothesis which sate that electronic Banking enhanced Unity Bank efficiency is accepted. 4.3.2HYPOTHESIS TWO Electronic banking does not have impact on the overall performance of the bank Table 4.13 Chi-Square table o the overall performance of the Bank Respondent view O; Ei Oi-Ei (Oi-Ei) Strongly agree 13 7 6 365.14 Agree 167981 11.57 Undecided 27-5 25 3,57 Disagree 27-5 25 3.57 Strongly Disagree 17-6 36 5.14 Total 35 35 0 171 28.99 Source: Computer from Data 2010 Therefore Z2 (Chi-Square) value calculated is 28.99 The Degree of freedom K – 1,5- 1= 4 Using the statistical table to find the value of Z2 4; 0.05 the result is = 9.4877 Therefore x2 Calculator = 28.99 X2 Tabulation = 9.4877 Decision rule: Since x2 Calculated is greater than x2 Tabulation (28.9979.4877) at 5% confidence level and 4 degree of freedom the second null hypothesis is rejected and 49 the alternative hypothesis which start that Unity Bank Plc Electronic banking have impact on the overall performance of the banks is accepted. 4.3.3HYPOTHESIS THEE Table 4.14 Chi Square table on the fortune of Unity Bank Respondent view Oi Ei Oi – Ei ( Oi – Ei) Strongly Agree 17 7 10 100 14.28 Agree 13 7 6 36 5.14 Undecided 37 – 4 162.28 Disagree 2 7 – 5 25 3.57 Strongly Disagree 07 -7 49 7 Total 35 35 0 226 32.24 Source: Computed from Data 2019 (Chi – Square) Value Calculated is 32 .27 the degree of freedom K-1, 5-1 = 4 Using the Statistical table to find the value of Z2 4; 0.05 the result is = 9.4877 Dose not comply with the CBN electronic Banking Guideline Table 4.16 Chi – Square Table o the CBN Electronic Banking Guidelines Respondents view Oi Ei Oi – Ei ( Oi – Ei) Strongly Agree 19 7 12 144 20.57 Agree 14 77 49 7 Undecided 07 – 7 49 5.14 Strongly: computed from Data 2010 Therefore Z2 (Chi – Square ) value calculated is 44.85 the degree of freedom k-1, 5-1 = 4 Using the statistical table to find the value Z2 4; 0.05 the result is = 9.4877 Therefore x2 Calculated = 44.85 X2 Tabulation = 9.4877 52 Decision rule = since X2 Calculator is greater than X2 Tabulated (44.857 9.4877) at 5% confidence level and 4 degree of freedom the second null hypothesis is rejected and the alternative hypothesis which started that Unity Bank Electronic Banking Guidelines comply with CBN electronic banking Guideline is accepted. 4.3.5DISCUSSION OF FINDINGS From the above analysis it is seen that in hypothesis one, you can see that respondents agreed that electronic banking does not have prospect in Unity Bank In hypothesis we can also see that respondent agreed that electronic banking does not enhance the fortune of Unity Bank Hypothesis four shows that respondents strongly agreed that the Unity Bank Electronic Banking does not improve its bank customer relationship hypothesis Five shows that respondents strongly agree that Unity Bank electronic comply with the CNB Electronic Banking Guideline. CHAPTER FIVE SUMMARY, CONCLUSION AND RECOMMENDATION 5.1 Summary The study was carried out in order to assess the impact of electronic banking system in Unity Bank. The general introduction aspect shade more light on the essential of electronic banking. Many literature and academic publication from different authors in publication from different authors in electronic banking product emerging issues in electronic. In the cause of this research the research was able to find out that origin of electronic banking system which started in Nigeria in 1952 Also the prospect of electronic banking was looked into critically electronic banking improve the fortune of Unity Banks this was achieved by adopting the CBN banking guidelines 5.2CONCLUSION Based I the summary of the major finding the following conclusions are draw: 1. The adoption of electronic banking has enhanced Unity Bank efficient by making it more productive and effectives 2. Electronic Banking also has a strong impact on the overall banking performance by making workers performance more effective and efficiency. 3. The adoption of electronic banking gas enhanced the fortune of the bank this is achieved through bank charges cheque withdrawal slip and withdrawal charges. 4. The electronic banking has improved the bank customer relationship by rendering effective service throughout the week customers can now have access to their account outside working hours to make withdrawal to attend to their needs. 5. The electronic banking guidelines introduces by CBN strongly helps in effective electronic banking system. Withdrawal can be made anywhere at any time and using any bank ATM machine customer cannot withdraw more than some certain amount to allowed other customers have access to the cash and money can be transfer from one place to another through electronic means. In general conclusion the electronic banking has made banking transaction to be easier by bringing service closer to the customers 5.3RECOMMENDATIONS In order to give the growing trends of information and communication technology (ICT) which involves net banking and e-commerce in banks a vision in the right directions, the following strategies are recommended for further following up: 1. The banks must be focused in teams of their needs and using the right technology to achieve goals rather than accruing technology of internet banking because other banks have it 2. Government participation in ensuring focused telecommunication industry must be visible to reduce or remove avoidable costs of implementing e-commerce and internet banking 3. Regulatory authorities like CBN (Central Bank of Nigeria) must stipulate standard for the banks to follow to avoid making Nigeria Banking Sector a dumping ground for the outdated technological infrastructure. REFERENCES Amedu, U.M (2005) Domestic electronic payment in Nigeria: The challenges, Central Bank of Nigeria Bullion Vol, 29 No1, January/March. Bank for international settlements (2001) committee on payment and settlement system Survey of electronic money development prepared by the committee on payment and settlement system of the Central Banks of the Group of Ten Countries November. Beerentsen, A. (1998) Monetary policy implication of Digital Money Kyklos Vol. SI. PP 89 117 Berry M.J.A; Linoff, G.S (1999) Mastering Data mining: the Art and science of customers relationship managing, New York: John Wily & Sons. PP. 57 61 Central Bank of Nigeria (2003) report of the technical Committee on electronic Banking , February Cohen, Benjamin J. (2001) Electronic Money: New Day or False Dawn? Review of international polical Economy Vol. 8. PP 197-225 Connel F. and Salen M.N (2004) Six puzzles in electronic Money and Banking IMF working paper IMF institute. Vol. 19. February. Davenport T.H (1993) process innovation Reengineering work through information technology Boston: Harvard Business School press pp. 30 – 35. Financial standard Newspaper (2006) Vol 7 No. 28 April, pp3. Freedom C. (2000) monetary policy implementation: past, present, and Future will Electronic Money Lead to the Eventual Demise of Central Banking? International Finance Vol. 3, No. pp. 211 – 27 Friedman B. (1999). The future of Monetary Policy: The Central Bank as an Army with Only a Signal Corps? International Financial, Vol. 2. No. 3 pp. 321 – 38. Goodhart Charles A.E (2000) can Central Bank Survive the IT Revolution? International Finance Vol. 3, No. 2 pp. 189 – 209 Hackathorn. R (2003) Factor for Implementing Active Data warehousing datawarehouse. Com. Halleiner. E (1998) Electronic Money: A Challenge to the Sovereign state? Journal of international Affairs, Vol. 51, 387 – 400. Heilinger. M. Bingerhut. S. (2002) Business Activity Monitoring EAI meets Data Warehousing EAI Journal. July, pp 18 – 21. King M. (1999) Challenges for monetary policy:New and Old Bank of England Quarterly Bulletin November pp 307 – 415 Koutsoyiannis A. (1991) Theory of Econometric Hampshire: Macmillan Limited. Lee B. and Longe – Akindemowo O. (1999) Regulatory issues in Electronic Money A Leg el – Economics Analysis, Netnomics, Vol. 1, pp 53 – 70. APPENDIX Department of Banking and finance, Osun State Polytechnic Iree Osun – State, Nigeria May 14, 2013 Dear Respondent, I am an HND student in the above name Department and institution presently conducting a research on â€Å"The Impact of Electronic Banking in Nigeria Banking System (Critical Appraisal of Unity Bank Plc)† in partial fulfillment of the requirement for the award of HND. The finding are Strictly to be used for academic purpose only. Thank you sparing your time to participate in the study N.B Please tick [ ] in the appropriate box provided to indicate your answers. 1. What is your academic qualification? OND [ ] HND [ ] B.sc [ ] M.sc/MBA [ ] PHD [ ] 2. How long have your been in the service of Unity Bank Plc? 1-5 years [ ] 6-10 years [ ] 11-15 years [ ] 16-20 years [ ] 21 years above [ ] 3. Which category of cadre do you belong? Junior Credit Officer [ ] Senior Credit Officer [ ] 4. Which of these department do you have? ACA [ ] CIBN [ ] Certified Auditor [ ] Certified Information System [ ] 5. Which of these department do you belong to? HR [ ] Clearing Cash Manager [ ] Business Development [ ] Information Technology Credit and Marketing [ ] 6. Which category of threat does Unity Bank places more impression? Adequate security [ ] Legal Threat [ ] ATM fraud risk poor [ ] 7. How can you assess the incidence threat of Unity Bank electronic bank system? High [ ] Low [ ] Moderate [ ] 8. How can you assess the overall performances of Unity Bank electronic Banking? System Excellent [ ] Very Good [ ] Fair [ ] Poor [ ] 9. Unity Bank Plc has training program on information technology for its staff. 10. Introduction of electronic banking has eased banking transaction 11. The introduction of electronic banking has improved customer satisfaction. 12. Electronic banking hence its effectiveness and efficiency Unity Bank. 13. Unity Bank Plc electronic banking have impact of its overall performance of the bank 14. Adoption of electronic banking would enhance the fortune of the bank. 15. Unity Bank electronic banking improves its bank customer’s relationship. 16. The bank electronic banking guidelines comply with CBN electronic banking guidelines.

Effects of Acid Rain on Ecosystems essays

Effects of Acid Rain on Ecosystems essays In the past century, one of the greatest threats to North America's aquatic ecosystem has been the widespread acidification of hundreds of thousands of waterways. Acid rain has effected plant and animal life within aquatic ecosystems, as well as microbiologic activity by affecting the rates of decomposition and the accumulation of organic matter. What causes this poisonous rain, and what can be done to improve North America's water quality and prevent future catastrophes? To answer these questions, we must first examine the cause and formation of acid rain, as well as understand ways to decrease or prevent its formation. Acid deposition, more commonly known as acid rain, occurs when emissions of sulfur dioxide (SO2) and nitrogen oxides (NOx) react in the atmosphere with water, oxygen, and oxidants to form acidic compounds. This mixture forms a mild solution of sulfuric and nitric acid which then falls to the earth in either wet (rain, snow, sleet or fog) or dry (gas and particles) form. Approximately one-half of the atmosphere's acidity falls back to earth through dry deposition in the form of particles and gases, and are then spread hundreds of miles by winds where they settle on surfaces of buildings, cars, homes, and trees. When acid rain falls, the dry deposited gases and particles are sometimes washed from buildings, trees and other surfaces making the runoff water combine with the acid rain more acidic than the falling acid rain alone. This new combination is referred to as acid deposition. Strong prevailing winds and public sewer systems into lakes and streams then transport the runoff water. Although some natural sources such as volcanic eruptions, fire and lightening contribute to the emissions of sulfur dioxide and nitrogen oxides in the atmosphere, more than 90% is the result of human activities such as coal burning, smelting of metals such as zinc, nickel and copper, and the burning of oil, coal and gas in power plants...

Netaji Apparel Park

Netaji Apparel Park Free Online Research Papers Tourism industry basically depicts the services offered by companies to its customers who choose to spend a leisure time taking break from their work or travel at their work or travel on honey moon or pilgrimage or studies or as a hobby with their friends or family. In the recent years travel and tourism companies have come up with services meeting the needs of the tourists in a more proactive way. Online ticket booking and offering of tourism packages online, resorts and home stays, medical tourism, spa are some of the developments in the area of travel and tourism. India has huge potential for growth in the domestic as well as international tourism. Though the industry to some extent depends upon the performance of other industries like IT / Electronics / Manufacturing / Automobiles and so on; it is necessary in the current scenario for companies to offer services / tourism packages so that the travel is not localized to few segments / clusters of the market. This helps companies to experience a steady growth in their business. A tourist would basically look at spending good time with friends / family during their travel period. Hence a company would ideally be interested in offering solutions to the customer depending upon the needs of the tourist like domestic tourism package / international package, adventure sports or wild life, pilgrimage or nature tourism, honeymoon packages, picnics for school kids and so on in an integrated efficient way at an affordable cost. Some of the problems / limitations faced by tourists are travel sickness, language, difference in food habits, crowd at tourism spots, family commitments, pollution, tourism period being seasonal, tourists being new to the tourism spot and so on. It is necessary for companies to address these issues so that people enjoy and have a good time during the tour. Looking at the way ahead domestic and international tourism, sports events like Common wealth games 2010 ICC Cricket world Cup 2011, medical tourism, identifying of new markets, introduction of innovative tourism packages with integrated service would help companies ensure a sustainable growth in the industry. Research Papers on Netaji Apparel ParkMarketing of Lifeboy Soap A Unilever ProductDefinition of Export QuotasBionic Assembly System: A New Concept of SelfInfluences of Socio-Economic Status of Married MalesTwilight of the UAWThe Project Managment Office SystemNever Been Kicked Out of a Place This NiceIncorporating Risk and Uncertainty Factor in CapitalOpen Architechture a white paperGenetic Engineering