The Student Motor Company Case Study Example | Topics and Well Written Essays - 1500 words

The Student Motor Company - Case Study Example In order to mitigate the competitive challenges The Student Motor Company invented a subcompact car i.e. Zinger. The normal preproduction testing along with the development of automobiles usually takes around forty-three months. However, the management team of the concerned company had consented for the production of the new car i.e. Zinger within two years. While test driving, the management had analyzed two vital faults within the car being manufactured. In this regard, it has been determined that the company used gasoline tank and the tank had been fixed in a way that a crash would create a puncture in the tank. Moreover, the design also entailed the risk of gasoline entering the driver’s chamber and any further ignite can lead to massive flames (Fall 1-4). Another fault as determined within the production of Zinger is the emission standard. It has been noted that it is the responsibility of the company to meet the emission standards before sale because after the sale it is the responsibility of the owner to abide by the emission standards. Zinger was launched in the market without considering the manufacturing defects. It has been further noted that the director of the company claimed that if the manufacturing department has involved standards to minimize the explosion risk then it would have raised the price of the product. Considering these aspects, it can be viewed that the company did not meet the ethical standard. ... Due to the company’s unethical decisions, the customers faced life risk situation (Fall 1-4). Q2. The ethical standards that might have been considered in resolving this dilemma is to stop the launch of the vehicle. In this regard, it can be ascertained that the company’s management or its stakeholders might have undertaken measures to mitigate the manufacturing defects. The research and development department might have put more effort in the establishment of a product that would be beneficial for the society. In this aspect, it can be ensured that this particular ethical standard has not been met by the company. This has resulted in the vital loss of the customers who purchased the car. This is the major consequence pertaining to the ethical standard that can affect the society at large (Fall 1-4). The following ethical initiative that can be mitigated by implementing certain alternative measures is meeting the Environmental Protection Agency (EPA) emission standard. In further discussion, it can be revealed that the company might have followed the emission standards incorporated within EPA. According to the EPA emission standard it is the responsibility of the company to meet the standard before the sale of the products. The Student Motor Company had not ensured emission standards before the sale of Zinger. This will lay greater consequences on the customers. This is because the emission standard of EPA reveals that after the sale of the car, it is the responsibility of the customers to mitigate the emission standard. It is difficult for the customers to gain immediate information on emission standards. In keeping with the economic alternatives, the company might have assured a better

To Kill A Mockingbird Reader Response Essay Example for Free

To Kill A Mockingbird Reader Response Essay Harper Lee’s book, â€Å"To Kill a Mockingbird,† is, in my opinion, a book with a diverse collection of messages, skillfully woven into an interesting and engaging story. It seems to me, though, that the book is very focused on symbolism. The symbol of mockingbirds is reoccurring in the book. It appears in the title, it is suggested in various characters and situations, and in parts of the book it is stated explicitly. For example, on page 90, Atticus told Scout and Jem, â€Å"Remember it’s a sin to kill a mockingbird. † Scout didn’t understand this, and so she asked Miss Maudie about it. She responded, â€Å"Mockingbirds don’t do one thing but make music for us to enjoy. They don’t eat up people’s gardens, they don’t nest in corncribs, they don’t do one thing but sing their hearts out for us.† From these parts of the book, we learn that mockingbirds are innocent; it is a sin to hurt or injure them. I think that the symbolism of mockingbirds extends to humans also. They represent the innocent ones who are injured by evil. For example, I think that Tom Robinson is a prime example of a mockingbird that was killed. He was innocent; he was a good guy who didn’t hurt anybody. However, because of prejudice, he was accused of a capital offence. He was convicted by a prejudiced jury and sentenced to death. With all his hope gone, he made a crazed attempt to escape his prison, but was shot dead. Clearly, the author is telling us here that Tom shouldn’t have died. It was a sin to kill him. He shouldn’t have been convicted because he didn’t do anything. Boo Radley, however, is an example of Mimidà ¦n symbolism that was not killed, but nearly was. He led a reclusive life, but he was a kind person. He gave gifts to Scout and Jem, and even patched up Jem’s pants. However, his greatest moment in the book was when he saved Scout and Jem from Bob Ewell. Without Boo, Scout and Jem would have ended up dead. However, even though Scout and Jem were saved, Mr. Ewell was not so lucky. When Atticus heard about all this, he was presented with a serious moral situation. He didn’t really know what to do about Boo. Boo had almost definitely murdered Mr. Ewell, but Mr. Ewell had nearly murdered two children. At first Atticus was convinced that Boo should go to court. In Atticus’s mind, not sending Boo to  court would be hypocrisy. As he stated on page 274, â€Å"I can’t live one way in town and another in my home.† The choice boiled down to this: if Boo went to court, justice would be carried out, but an innocent life might be destroyed. If Boo didn’t go to court, Atticus would be a hypocrite. Atticus was confronted with this problem, but Heck Tate and Scout convinced him that it a greater sin to kill a mockingbird. As Scout said on page 276, â€Å"[sending Boo to court would] be sort of like shootin’ a mockingbird.† Eventually, Atticus decided that it would be better to save Boo. Here, the author is telling us that killing a mockingbird, or hurting an innocent person, is wrong, more so than most things that a person can do. â€Å"I wanted you to see what real courage is†¦ It’s when you know you’re licked before you begin but you begin anyway and you see it through no matter what. You rarely win, but sometimes you do. Ms. Dubose won†¦ She was the bravest person I ever knew.† Atticus told this to Scout and Jem to help them understand what real courage was. According to Atticus, real courage is when you keep on trying to do what you think is right, even if you’re almost certain to lose. When I was reading about courage and Ms. Dubose, I was reminded of Homer’s â€Å"The Iliad.† The main character of the Iliad, Achilles, was a nearly invincible Achaean hero who possessed the same refusal to change his views as Ms. Dubose. In Homer’s book, the king of the Achaeans had wronged Achilles, and so he decided not to fight in the war. He kept this totally fixed resolve for most of the book. In the Iliad, Homer even compared Achilles’ total refusal to change his opinions, based on what others thought, to how the Greek gods behaved. In the book, for example, Athena, Hera, and Aphrodite each believed that they were the most beautiful goddess. Rather than make a compromise, they eventually started the Trojan war because of this dispute, and fought each other over something so seemingly insignificant. For example, in one part of the Iliad, Athena and Aphrodite were each helping opposing sides in the war. Athena was helping the Achaean hero Diomedes, and so she had him throw a spear at Aphrodite. The spear went right through Aphrodite’s wrist, injuring her, and gave the Achaeans a small victory in the battle. Ironically, thousands of Achaean and Trojan lives were lost because of a dispute between three goddesses. The goddesses did not care how many mortals were killed because of their  dispute, just as Achilles didn’t care that the Achaeans might lose the war because of his decisions. Similarly, Ms. Dubose would not change her views for anything. This is what Atticus described as real courage. According to the Merriam-Webster’s Collegiate Dictionary, prejudice is, â€Å"preconceived judgment or opinion.† Prejudice is also a major theme in â€Å"To Kill a Mockingbird.† For example, while in court Atticus referred to, â€Å"the evil assumption that all Negroes lie, that all Negroes are immoral, that all Negroes are not to be trusted around women.† According to Atticus, people with minds like Mr. Ewell had these assumptions, and Mr. Ewell was counting on the jury being the same. For most of the trial though, Mr. Ewell’s attempts to win over the jury with such an extreme assumption were a total failure. Atticus had solid evidence and Mr. Ewell had nothing. As Atticus put it, â€Å"[The state] has relied instead upon the testimony of two witnesses whose evidence has not only been called into serious question on cross-examination, but has been flatly contradicted by the defendant.† However, Tom Robinson didn’t win the trial. Somet hing happened that caused the jury to turn against him. This event happened on page 197, when Tom said, â€Å"I felt right sorry for her.† The people in the jury were uncomfortable with this answer, as alluded to on the same page. I think that this was because they believed black people to be subhuman. They thought that black people, such as Tom Robinson, had a limited capacity to feel human emotions, especially for someone who was supposedly higher than them in society. Atticus though, a firm believer in equality, called Tom’s feelings for Miss Ewell, â€Å"unmitigated temerity† (page 204). The jury was not prejudiced enough to assume that all black people were born criminals, but they did feel that a black person could not feel sorry for a white person. Somehow, Tom’s one statement of temerity jeopardized all of Atticus’s evidence. To the jury, Tom was guilty. Of course, prejudice in â€Å"To Kill a Mockingbird,† also occurred on a less dramatic level. Maycomb itself was divided into different social groups. For example, in chapter 23, Scout thought that it would be nice to invite Walter Cunningham over for dinner. However, Aunt Alexandra forbade this, on the grounds that Walter was somehow not as good as the Finches. Jem summed up  Maycomb’s social hierarchy on page 226 when he stated, â€Å"Our kind of folks don’t like the Cunninghams, the Cunninghams don’t like the Ewells, and the Ewells hate and despise the colored folk.† Scout, however, didn’t quite agree with this system. She believed that all folks were equal. I think that by showing us the prejudice in â€Å"To Kill a Mockingbird,† the author is telling us that all labels are wrong. For example, Scout thought that Walter was a nice person, but society disagreed. Tom Robinson was a respectable man, but because he was black and admitted to being capable of feeling sorry for someone who was white, society condemned him. I personally think that giving a person a label is wrong, because each person is an individual, not a clone of some stereotype. Today, I think prejudice and stereotypes are a not only a big problem for the entire world, but they also affect teenagers such as D’Arcy students. It seems that all too often students categorize each other into stereotyped groups, much like how the citizens of Maycomb divided themselves. For example, if someone was walking down the hall at a school wearing old 70’s style glasses, corduroy pants, a plaid vest, suspenders, an ugly bow tie, and a shirt with a pocket protector and several pens plus a calculator in the pocket, many students would immediately associate this person with a stereotype. However, this student might be a great skateboarder who enjoys cooking and football. Obviously, labels are wrong. They can never be accurate because a person is not a stereotype. People are individuals. If everyone understood this, then maybe the world would have less problems, because many of the artificial barriers that we create because of prejudice would be broken down, and we would all get along much better. Of course, what starts off as a barely conscious stereotyping at school could develop into racism, just as Maycomb’s subtle prejudice escalated in enough racism to kill an innocent black man. Racism is a major problem around the world, and I think that its foundation is based on small acts of prejudice, and hypocrisy or ignorance. For example, one major connection to racism in the book occurred in chapter 26 when Scout was discussing current events in her class. What she wanted to know was, â€Å"How can you hate Hitler so bad an’ then turn around and be ugly about folks right at home?† I think that what the author was trying to tell us here was that many people are hypocrites.  Atticus was very careful to avoid this, almost to the point of killing a mockingbird, but others, such as Ms. Gates (Scout’s teacher), were total hypocrites when it came to racism. As Scout said, how could a person accept the social hierarchy of Maycomb, convict Tom Robinson, and then turn around and say that prejudice is wrong? I think that the author is not only telling us that racism is completely wrong, but she is also telling us that we should not be hypocrites. We should make up our minds about what is right. â€Å"Folks don’t like to have somebody around knowin’ more than they do. It aggravates em’.† Calpurnia said this on page 126, in response to a question from Scout. When I read this, I realized that it was very true. Generally, people don’t like to have people around who know more than they do. For example, a few weeks ago I was talking to someone at school who had gotten an excellent mark on an important assignment. When they told me their mark, they asked me not to tell their friends, because they might be angry. I think that it’s too bad that people, especially students such as those at D’Arcy, can’t always share their achievements with others without running the risk of â€Å"aggravating em’.† While I was reading, â€Å"To Kill a Mockingbird,† I noticed that one of the most effective tools that was used was point of view. The story was told in first person perspective, with Scout speaking. I think that this mainly allowed us to follow Scout’s personal development; it allowed us to see Scout’s thoughts and emotions. For example, in the beginning of the book, Scout enjoyed terrorizing Boo Radley in an attempt to make him get out of his house. Later on, though, she realized that doing this was really just hurting an innocent person. On page 279, Scout finally understood Boo well, and she felt that she had developed so much that â€Å"there wasn’t much else left [for her] to learn, except possibly algebra.† This sort of progress in Scout’s character made the story much more interesting for me, and helped me to better recognize the messages that the author was trying to convey. I also thought that the author used point of view to alter the mood in certain parts of the book. For example, on page 211, when the jury was convicting Tom, Scout said that it â€Å"had a dreamlike quality†. This sort of dazed confusion from Scout helped me understand what she thought of the  conviction. I think that Scout knew that Tom would be found guilty, but she didn’t want to accept it. This sort of tension and confusion seemed to convey similar feelings to the reader. When I first read this part of the book, I had to read it again to make sure that Tom really was being convicted, just like how Scout seemed to have some trouble accepting what happened to Tom. One of the characters in the book that I found particularly interesting was Atticus. Atticus was a person who knew what the world was like. He knew that countless mockingbirds were being killed every day around the world. He knew that there were many people who were selfish and unwilling to help others. However, even when he knew all this, he was one of the few characters in the book that continued to believe that there was good in the world. For example, after Jem had seen prejudice in a jarring way at the trial, he decided that everyone was not really equal. As he stated on page 227, â€Å"If there’s just one kind of folks, why can’t they get along with each other?† Jem didn’t understand that even though many people fight each other and divide themselves into social groups, they really are equal. Because what Jem thought was right wasn’t reflected in society, he changed his values. Atticus, though, understood that prejudice and racism were common in the world, but he always tried to see the best in people. On page 281, the story was ending when Atticus was putting Scout to bed. Scout was talking about a book that Atticus had been reading, and she said, â€Å"When they finally saw him he hadn’t done any of those things. Atticus, he was real nice†¦Ã¢â‚¬  Atticus responded, â€Å"Most people are, Scout, when you finally see them.† From this quote we can see that Atticus kept his own values, and his faith in humanity, despite what others did. I think that Atticus was able to do this because he didn’t think of a person as a ‘good’ person or a ‘bad’ person, instead he saw people as individuals with good and bad qualities. I think that the author is trying to tell us that people should be like Atticus, and not change their values to suit society’s values. We need to see people for who they really are, though, or it would be almost impossible to do this. Also, the way that Jem changed his own values to represent what society thought reminded me of John Wyndham’s book, â€Å"The Chrysalids.† In the book,  the people of Waknuk were obsessed with ‘the norm’. They believed that any deviation from ‘the norm’ was totally wrong, and they exiled offenders for (a very short) life. All of the people strived for their concept of normality, sort of an exaggerated example of how Jem changed his values to reflect what the majority of Maycomb thought. One last theme that I noticed in the book was the importance of education. The novel seemed to contrast two different types of education. One type was Atticus’ teachings to his children. Atticus enjoyed reading, and he passed this on to Scout by reading to her every night. Atticus also helped Scout and Jem to understand courage by sending them to Ms. Dubose. When Atticus taught something to Scout and Jem, he was always sympathetic and he usually succeeded in teaching whatever he was trying to. This contrasts strongly to the way that Scout’s schoolteachers tried to teach children. They ignored, or perhaps were oblivious to, the needs of their students, and tried to force them to follow the educational system they had been hired to teach. For example, on Scout’s first day of grade one, her teacher, Miss Caroline, found out that Scout could read. You would think that any reasonable grade one teacher would be very impressed by this, and maybe send Scout up a few grades, but instead Miss Caroline said (on page 16), â€Å"You tell [Atticus] I’ll take over from here and try to undo the damage†¦ Your father does not know how to teach.† Actually, Atticus was a much better teacher than Miss Caroline, because he understood Scout and Jem, his students. I think that the author is trying to tell us that while it is important to educate children, it is important to do it right. The key to teaching children, or, for that matter, anyone else, is to understand those who you are trying to teach. In conclusion, I think that, â€Å"To Kill a Mockingbird,† is a book that talks about innocence and understanding. It encourages us all to not hurt the innocent ones, the mockingbirds.

Human Equality as an Impossible Ideal in Animal Farm :: Animal Farm Essays

How do the events in Animal Farm show human equality to be an impossible ideal, not a practical reality? One of the main themes of the book is the effect of power on leaders and how it leads to corruption, propaganda and most of all inequality, and in this book, inequality is shown through out and there are many different examples of it. The main event in the beginning of the book is old major’s speech, where he starts it by mentioning how unequal human are to the animals and how they don’t do any work as they are the leaders of all creatures. He implied that the other animals should get rid of man so that his dream can be fulfilled and create a society where all animals are created equal. Just as Old major dies, the pigs create â€Å"Animalism† and the seven commandments under the intention of equality, even as they have just automatically chose themselves as leaders of the revolution and the other animals. The rebellion wasn’t really led by the pigs; it occurred when the animals got mad after a long day without food, the pigs unequally became leaders without actually taking a huge part in it. After Mr. Jones is kicked out and the animals’ hope of an equal society rose, they started working hard while the pigs didn’t do any work under the excuse of the need of supervision. Another example of the inequality of the pigs is after the apple harvest where they took it for themselves claiming that they need fuel while the other animals are the ones who need it as they work harder. During the successful defensive fight against Mr. Jones, all the animals fight equally, Snowball and boxer did an excellent job, except napoleon who didn’t turn up for the fight. Napoleon is becoming increasingly corrupt and unjust. After the effective speech by snowball which made snowball more popular and was going to divert the votes to him, Napoleon â€Å"uttered a high-pitched whimper† and the dogs chased snowball of the farm, which confirmed the untrustworthiness of napoleon. And subsequently the inequality began to increase at a more severe rate. The animals gradually become like slaves doing napoleon’s plans and doing whatever he likes, moreover they are forced to work on Sundays but Napoleon rests like he does all over the week. Yet he starts trading and starts progressively breaking the commandments. What is more, he horrifies the hens after their refusal of giving the pigs their eggs for money by cutting the food supply on them and starving them until 9 of them died, so that they agree on giving the

Cory Monteith Dies at 31

I was never a Glee fan but for a short period, ummmm say 1 season, I actually enjoyed it because of Noah! Of course, I never did discount the talent of Rachel and Finn. Cory Monteith's life was cut tragically short on Saturday, July 13. The Glee star, who celebrated his 31st birthday on May 11, was found dead in a hotel room at the Fairmont Pacific Rim Hotel in Vancouver, Canada, police announced in a press conference. According to Vancouver PD, emergency personnel arrived at the hotel shortly after noon, at which point Monteith was pronounced dead on the scene by paramedics. The coroner is investigating cause of death. Foul play is not suspected. â€Å"We are so saddened to confirm that the reports on the death of Cory Monteith are accurate,† the actor's rep said in a statement to Us Weekly shortly after news broke of the tragedy. † We are in shock and mourning this tragic loss. † PHOTOS: Stars gone too soon Monteith had recently completed treatment for substance addiction. On March 31 of this year, he announced via his rep that he had voluntarily checked himself into rehab, buoyed by the support of his girlfriend, Lea Michele, and others. â€Å"Cory is a beloved member of the Glee family, and we fully support his decision to seek treatment,† 20th Century Fox TV said in a statement at the time. â€Å"Everyone at the show wishes him well and looks forward to his return. † In recent weeks, the actor had seemed happier and healthier. After leaving rehab on Apr. 26, he tweeted his appreciation to fans. Sending out big love to everyone,† he wrote. â€Å"Thank you for the continued support! It means the world to me! † The actor had previously opened up about his struggles with drugs and alcohol, telling Parade in 2011 that he did â€Å"anything and everything, as much as possible,† after he dropped out of high school at age 16. â€Å"I had a serious problem,† he admitted. Afraid he â€Å"could die,† the British Columbian star's family and friends staged an intervention when he was 19. â€Å"That's when I first when to rehab,† he told Parade. I did the stint but then went back to doing exactly what I left off doing. † He finally realized he needed to turn his life around when he was caught stealing â€Å"a significant amount of money from a family member,† he said. â€Å"I was so desperate I didn't care. It was a cry for help. † Monteith was best known for playing Finn Hudson on Glee, but he also had roles in Final Destination 3 and Monte Carlo. He and Michele, 26, had been dating for more than a year. This article in quote originally appeared on Usmagazine. om: Cory Monteith Dead: Glee Star Dies at 31 Don't you feel sad when someone your age dies? I do. I feel like the mortality rate becomes high within our age bracket. Gone are the days that people die due to old age. I feel like people are just wasting their chances of living life the way we're supposed to live it! I don't want to sound preachy but I hope people realize that we are all created for one purpose and that it to glorify God. Life is indeed too short for nonsense. I feel sad that Cory Monteith died but life goes on†¦ e must all just figure out a better way of coping and for the youngsters of today to avoid such circumstance†¦ I hate losing people like Heath, Brad Renfro, among others†¦ substance abuse must be condemned†¦ we' ve lost too many people out of it†¦ Yes, this death is for yet another Cory (Haim) and he somehow resembles Heath Ledger who was dating Michelle Williams, odd that Cory's dating Lea Michele†¦ I know these are all coincidental and do not make sense, it's just worth writing so not to forget about it†¦

A report on the Association of Chartered certified Accountants

The Association of Chartered certified Accountants is a accepted British statutory accounting organic structure responsible in making certified comptrollers worldwide. It is one among the fastest turning accounting organic structures with about 140000 members and 404000 affiliates every bit good as pupils from 170 states. This information is harmonizing to the March 2010 statistics. The caput office is situated in London and the administrative office in Glasgow. Furthermore the institute has a broad web affecting 80 staff offices around the universe. the institute is the laminitis organic structure of the Consultative commission of accounting organic structures and the International federation of comptrollers The term Chartered in the making given by the institute was granted by the Queen in the twelvemonth 1974. Persons who wish to be called certified public comptrollers should keep the grade given by the institute. Furthermore they should follow to and ordinances framed by the inst itute. The Association of authorised public comptrollers is one of the subordinates of the ACCA ( ACCA- The planetary organic structure of professional comptrollers. 2010 ) . The Certified public comptrollers or CPA is the certified organic structure of public comptrollers in the US. In US merely persons holding qualified CPA grade is authorized to certify and scrutinize fiscal statements. How of all time many provinces in the US have a lower grade of comptrollers that are below the normal CPA. The public comptrollers in the US belong to the national society of public comptrollers. As per the jurisprudence prevailing, other individuals who are non CPA ‘s are prohibited from utilizing the appellation of a public comptroller. The chief maps of CPA ‘s includes confidence services, fiscal consultancy services etc. they are besides an of import individual in the income revenue enhancement country ( American institute of CPA ‘s. 2010 ) . In Australia, it is the Institute of hired comptrollers of Australia which performs all the statutory maps of an accounting organic structure. It has more than 50000 members and over 12000 pupils worldwide. The institute is besides the laminitis of the Global accounting confederation. The institute was formed as per the royal charter in 1928 ( Chartered Accountants, The spirit of being figure one. 2010 ) . Breach of misdemeanor instances: The institutes of hired comptrollers across the Earth have stricter regulations for its members for maintaining subject. The institutes expect each and every member to follow these regulations and stick on to professional moralss without any via medias. In malice of these stricter regulations, there have been misdemeanors by its members besides. One major instance of misdemeanor is that of Mr. Stephen Charles Peck, FCA, who is a hired comptroller in Britain. The member was found guilty of conveying disrepute to the institute and profession. He was apt under disciplinary action under the byelaw ( 4 ) ( 1 ) . ( a ) .On July 24th 2008, the Grantham Magistrates tribunal convicted Mr.Peck on the charges that he obtained fiscal aid under the rural endeavor ordinances 2000, on the footing of a false and deceptive statement. After many hearings, it was found that Mr. Peck was guilty in making such an act which polluted his profession. However the tribunal admitted that there were no existent purposeful efforts by the individual to make such Acts of the Apostless, he did that as a consequence of condemnable foolhardiness every bit good as irresponsibleness. Mr Peck was imposed a conditional discharge of 12 months and was besides ordered to pay costs amounting to 10437 lbs. Mr batch was badly reprimanded under the misdemeanor of bylaw ( 4 ) ( 1 ) ( a ) .he was asked to pay a mulct of 2000 lbs and costs amounting to 2300 lbs.Under the Torahs of the British chartered comptrollers institute, if a individual is found to hold committed an act or a default that is likely to convey disrepute on the institute and profession every bit good as if there is breach of ordinances, such individual is apt for penalty. He may be suspended and his pattern certification may be withdrawn ( Disciplinary orders and regulative deciscions.2009 ) ..Breachs of codification of behavior have been reported from US besides. In another dramatic instance, a CPA from Greenwich was barred from carry onin g his professional responsibilities and his certification was withdrawn by the Connecticut province board of Accountancy. This was because the CPA withheld the client ‘s revenue enhancement records. The CPA who committed this offense was John.P. Vancho. He was ordered to give up his certification and to pay 1000 dollars as punishment. It is interesting to observe that AICPA has disciplined 327 instances of breach of behavior by its members during the clip period of 1998- 2008. Out of this bulk of instances are involved with registering false returns with income revenue enhancement section. All these misdemeanors invite rigorous punishments as in the instance of JohnVancho ( Dan.2004 ) . In Australia, the ICAA ( institute of hired comptrollers in Australia ) and the CPA ( certified practising comptrollers ) are the of import organic structures which frame the codification of behavior. They have stricter regulations and ordinances that govern the accounting field of that state. Non conformity with the codification invites disciplinary proceedings including remotion of licenses every bit good as payment of compensation to the client. In a deceitful pattern, an comptroller in a reputed concern house was found guilty of cabaling with others by assisting them to hedge 27.78 million Australian dollars during 1999 and 2006. The accountant Mr. Thomson used false paperss intentionally to conceal existent net incomes generated by his clients through this action, he ensured that his clients need non pay the needed revenue enhancements to the Australian authorities. Harmonizing to the regulations and guidelines framed by the Australian institute of certified comptrollers, those comptrollers who indulge in such unethical patterns are apt for probe and prosecution under the jurisprudence. The comptroller was arrested by the Australian constabulary and revenue enhancement governments ( Accountant jailed over portion in fraud. 2008 ) ..The Australian institute of hired comptrollers is a rigorous legal organic structure which takes all necessary stairss to guarantee that the highest professional ethical criterions are maintained by its members. For implementing this, rigorous legal commissariats are applied by the institute on its members. Those who fail to follow with these criterions will be forced to confront disciplinary actions that may change harmonizing to the grade of misdemeanor committed. The institute is non a regulator or tribunal but has a major function in puting high criterions for its members. The Australian institute ‘s disciplinary procedure is just, strict every bit good as independent. Breachs of behavior are capable to independent hea ring by the professional behavior court. The non-satisfied member besides has the chance to near the appeal court. The results of the court are printed in the institute ‘s magazines and its on-line versions. Different types of countenances that the court is authorized to enforce are cancellation of rank up to a period of five old ages, backdown of the right to public pattern, infliction of mulcts up to 100000. And other countenances such a remedial preparation and extra quality reappraisal of the members pattern. In the above instance, the comptroller was reprimanded by the institute and he was made apt. The liability was in the nature of condemnable liability. Furthermore the institute temporarily cancelled the comptroller ‘s rank besides ( Annual study on professional behavior. 2007 ) . Another predominant accounting establishment in the planetary accounting scenario is the Institute of hired comptrollers of India. The institute was established in the twelvemonth 1949 under the hired accountant act of 1949. It is a statutory organic structure for the ordinance of hired comptrollers in India. It is now the 2nd largest accounting organic structure in the whole universe. Its part ranges from instruction, professional development every bit good as care of high ethical, scrutinizing and accounting criterions. The institute imposes rigorous disciplinary action on its members for non-compliance of its regulations and ordinances. For this intent it has formulated a disciplinary commission which is specially entrusted to look into such instances. For those members who were found guilty, regulations and punishments under subdivision 21 of the hired comptrollers act would be applied. These individuals will be for good disqualified from service harmonizing to order of the high tribunal connected in this respect. The penalty may change harmonizing to the nature of misconduct. It can be a rebuke, impermanent suspension of rank or lasting remotion along with infliction of mulct. In a dramatic instance of misconduct by a practicing chartered comptroller in Pune, Mr. R.D. Pawar, who was found guilty of serious misconduct, the institute applied the subdivision 21 and the hired comptroller was removed for good from the members list. Another member, Mr. L.N.Mittal was removed for 1 twelvemonth for his disciplinary misdemeanors by the institute. He was found guilty of assisting a client in hedging revenue enhancement. The hired comptroller was located in Gujarat. The institute was once more in the intelligence late when a immense corporate cozenage affecting transnational company Satyam computing machines was surfaced. The histories of Satyam computing machines were forged with the aid of their hearers M.S Price H2O Coopers. The cozenage was brought into visible r adiation and the company and their hearer ‘s were found guilty for the misconduct. The institute banned Price H2O Coopers from practising anyplace in India ( List of instances as on 5th May, 2010. 2010 ) . All the planetary accounting organic structures have framed rigorous regulations to cover with disciplinary misdemeanors by its members. Although the regulations and punishments are similar between all these organic structures, there are fluctuations in the strength and processs of convicting among these organic structures. For ACCA and CPA, there is a rigorous codification of behavior. The institute of certified comptrollers in Australia have gone farther by adding the clause of civil and condemnable liability apart from the normal punishments imposed by the institute. As far the Institute of hired comptrollers of India is concerned, it has one of the lengthiest Acts of the Apostless, i.e. the hired accounting act for disposal. Breaches of professional behavior are scanned by the disciplinary commission before the finding of fact is given. The common regulations followed by all these accounting organic structures include lasting remotion from the members list, impermanent suspension , censuring, remedial preparation etc. It is rather clear that all the accounting organic structures are seeking hard for bettering the services and professional behavior worldwide. For their better and enhanced public presentation, the undermentioned suggestions are deserving observing. They are reconstructing unity for all professional comptrollers ; this includes keeping downrightness and truthfulness, and maintaining good concern relationships with clients. It is besides indispensable to keep objectiveness because it creates an duty on all the professional comptrollers ne'er to compromise their judgement on the footing of prejudice, struggle, involvements etc. All professional comptrollers should hold professional competency and due attention. This is really much of import for keeping the professional cognition every bit good as accomplishment at the coveted degrees. Furthermore based on this cognition, the clients and employees should have expert and efficient service. When professional services are provided, it is besides of import to move diligently in conformity with the proficient and professional service. The professional comptrollers should be to the full cognizant of the recent concern developments and proficient alterations taking topographic point across the Earth. They could execute aptly merely if they have the up-to-date cognition. The institutes should besides take necessary stairss to guarantee that the professional comptroller receives proper developing so as to enable himself to present expert and satisfying services. It besides of import to do consciousness among the clients that there are built-in restrictions to the services given by the comptroller. Another of import facet that has to be earnestly considered is the construct of confidentiality. This rule refrains the comptroller from unwraping confidential information outside the house. He should keep secrecy even under societal conditions. The demand of keeping confidentiality should go on even after the dealingss ends with the client. Even when the comptroller changes his profession, the confidentiality should be restored. He can nevertheless unwrap information if the jurisprudence permits him to make so and if the permission is given by the client. Last but non the least, the professional comptrollers should be imposed a codification of professional behaviour to be followed on. This would enable them to follow with different Torahs and processs and avoid any action that would truly discredit their profession ( Professional functions and responsibilitiesof different professional groups 2006 ) .. Decision: Professional organic structures like ACCA, CPA, AICA, ICAI etc have become planetary accounting organic structures. With the growing of the concern environment, the demand for effectual and true accounting merchandises and services is on the big. Furthermore the growings of concern have besides resulted in addition of unethical patterns of profiteering. Men and concern are governed by greed entirely now. To get the better of this inauspicious state of affairs and protect the involvements of investors, authorities and the common adult male universe broad, it is of import to hold a nice jurisprudence and ordinance coupled with lucidity and honestness. All these institutes can fall in together and achieve these aims.

Education Reform in Japan essays

Education Reform in Japan essays The Need for Reform in Japanese Education One of the most debated issues in modern Japan is education reform. Japan is world renowned for its demanding education requirements and high academic standards. In response to modernization after World War II, the Japanese made substantial changes to their education system: high schools and universities were built, technological research was encouraged, and compulsory education was strictly enforced. However, these advances have come at a price. The Japanese school schedule is long and tedious; schools run for fourteen hours a day, six days a week, 250 days a year. Further more, students attend juku, or cram schools, to prepare for jukenjigoku, or Examination Hell; deal with daily ijime, bullying; and face an insurmountable amount of pressure from their parents, teachers and peers to conform to strict societal rules and standards. Japans education system needs reform that addresses these issues, and eases the tremendous amount of stress that students face on a daily basis. The most important reason to reform Japanese education is the stress it puts on students. Educators spend a majority of their time occupied with academics, which leaves little time for teaching basic human values or providing options to outlet students stress. Ijime, Japanese bullying, is one of the consequences of the intense environment at Japanese schools. Victims of ijime face water torture, daily beatings, and terrifying threats. The bullying reflects the extreme academic competition and the fact that Japanese educators spend more time teaching mindless facts than human values. Nakasone, a political leader in Japan, blames the educators for the rise in moral delinquency among youth. He points out that as a result of the effort to academically keep ahead of the western world, teachers are failing to instill the traditional Japanese principles of respect and discipline (Schoppa 1). Others point to ...

Irony on the Contrary essays

Irony on the Contrary essays Irony lives in all our days. Hour after hour we experience irony and coincidence. A well-produced shift can accent the smaller things and make them larger than life. As for the Holocaust, the biggest trick that Hitler ever accomplished was banking on the ignorance of the masses. Rather than keeping his actions within the realm of sanity, he chose to insanely create the destruction of millions of innocent lives. Irony is that Hitler had Jewish heritage. Was Hitler a troubled man, yes but not insane. No man of sound mind and body would choose to hate so much. Instead, I will assume that Hitler was just entirely to motivated. His goal was world domination and he saw the Jewish community as an easy target. Having already been ridiculed by masses, it only took Hitler a matter of a few speeches to gain the confidence of a nation in the hatred of Jews. This was his 2nd move. He united the masses and now had the control to influence a nation in much need of a leader. If being in the right place at the right time is irony then Hitler needs to go ahead and take credit for that one. Half of any accomplishments are deciding what you want to achieve. The other half is finishing what you start. As many times as I read about nations trying desperately to take over the world, I have never actually heard of it being accomplished. History teaches always stress the past so that we will not repeat it, that makes me feel a little less comfortable in that world domination has yet to happen. Perhaps that we as a people have evolved enough to sustain a matter of checks and balances, thus keeping a feel of comfort and rest. Some people fear change while others embrace it, but the enigma is not to leave it up to fate instead, create. Rather than allowing possibility, expect to fall and be great full for the chance to get up. Leave irony for the laughter and only feel guilt when you know you could have made a difference. ...

40 Million Years of Dog Evolution

40 Million Years of Dog Evolution In many ways, the story of dog evolution follows the same plot line as the evolution of horses and elephants: a small, inoffensive, ancestral species gives rise, over the course of tens of millions of years, to the respectably sized descendants we know and love today. But there are two big differences in this case: first, dogs are carnivores, and the evolution of carnivores is a twisty, serpentine affair involving not only dogs, but prehistoric hyenas, bears, cats, and now-extinct mammals like creodonts and mesonychids. And second, of course, dog evolution took a sharp right turn about 15,000 years ago, when the first wolves were domesticated by early humans (see a gallery of prehistoric dog pictures). As far as paleontologists can tell, the very first carnivorous mammals evolved during the late Cretaceous period, about 75 million years ago (the half-pound Cimolestes, which lived high up in trees, being the most likely candidate). However, its more likely that every carnivorous animal alive today can trace its ancestry back to Miacis, a slightly bigger, weasel-like creature that lived about 55 million years ago, or 10 million years after the dinosaurs went extinct. Miacis was far from a fearsome killer, though: this tiny furball was also arboreal and feasted on insects and eggs as well as small animals. Before the Canids: Creodonts, Mesonychids, and Friends Modern dogs evolved from a line of carnivorous mammals called canids, after the characteristic shape of their teeth. Before (and alongside) the canids, though, there were such diverse families of predators as amphicyonids (the bear dogs, typified by Amphicyon, which seem to have been more closely related to bears than dogs), prehistoric hyenas (Ictitherium was the first of this group to live on the ground rather than in trees), and the marsupial dogs of South America and Australia. Although vaguely dog-like in appearance and behavior, these predators werent directly ancestral to modern canines. Even more fearsome than bear dogs and marsupial dogs were mesonychids and creodonts. The most famous mesonychids were the one-ton Andrewsarchus, the largest ground-dwelling carnivorous mammal that ever lived, and the smaller and more wolflike Mesonyx. Oddly enough, mesonychids were ancestral not to modern dogs or cats, but to prehistoric whales. The creodonts, on the other hand, left no living descendants; the most noteworthy members of this breed were Hyaenodon and the strikingly named Sarkastodon, the former of which looked (and behaved) like a wolf and the latter of which looked (and behaved) like a grizzly bear. The First Canids: Hesperocyon and the "Bone-Crushing Dogs" Paleontologists agree that the late Eocene (about 40 to 35 million years ago) Hesperocyon was directly ancestral to all later canids- and thus to the genus Canis, which branched off from a subfamily of canids about six million years ago. This western dog was only about the size of a small fox, but its inner-ear structure was characteristic of later dogs, and theres some evidence that it may have lived in communities, either high up in trees or in underground burrows. Hesperocyon is very well-represented in the fossil record; in fact, this was one of the most common mammals of prehistoric North America. Another group of early canids was the borophagines, or bone-crushing dogs, equipped with powerful jaws and teeth suitable for scavenging the carcasses of mammalian megafauna. The largest, most dangerous borophagines were the 100-pound Borophagus and the even bigger Epicyon; other genera included the earlier Tomarctus and Aelurodon, which were more reasonably sized. We cant say for sure, but theres some evidence that these bone-crushing dogs (which were also restricted to North America) hunted or scavenged in packs, like modern hyenas. The First True Dogs: Leptocyon, Eucyon, and the Dire Wolf Heres where things get a bit confusing. Shortly after the appearance of Hesperocyon 40 million years ago, Leptocyon arrived on the scene- not a brother, but more like a second cousin once removed. Leptocyon was the first true canine (that is, it belonged to the caninae subfamily of the canidae family), but a small and unobtrusive one, not much bigger than Hesperocyon itself. The immediate descendant of Leptocyon, Eucyon, had the good fortune to live at a time when both Eurasia and South America were accessible from North America- the first via the Bering land bridge, and the second thanks to the uncovering of central America. In North America, about six million years ago, populations of Eucyon evolved into the first members of the modern dog genus Canis, which spread to these other continents. But the tale doesnt end there. Although canines (including the first coyotes) continued to live in North America during the Pliocene epoch, the first plus-sized wolves evolved elsewhere, and re-invaded North America shortly before the ensuing Pleistocene (via that same Bering land bridge). The most famous of these canines was the Dire Wolf, Canis diris, which evolved from an old world wolf that colonized both North and South America (by the way, the Dire Wolf competed directly for prey with Smilodon, the saber-toothed tiger.) The end of the Pleistocene epoch witnessed the rise of human civilization around the world. As far as we can tell, the first domestication of the Gray Wolf occurred somewhere in Europe or Asia anywhere from 30,000 to 15,000 years ago. After 40 million years of evolution, the modern dog had finally made its debut!

The Proof of Euler that Captures the Soul of Mathematics Research Paper

The Proof of Euler that Captures the Soul of Mathematics - Research Paper Example The biggest credit to the Homo sapiens is their invention of mathematics; the invention has revolutionized every aspect of learning. Would it be possible for the code to a human gene without mathematics? Or send Neil Armstrong to the Moon? Mathematics has indeed provided clues to phenomenon hidden to human eyes for centuries. Mathematics can give absolute and divine pleasure to a mathematician. This is not only because it is beautiful and capable of artistic divination as any other art but because unlike poetry, music etc it provides complete and absolute satisfaction, purity and above all freedom. It is capable of unrivaled perfection compared to any other art form. A mathematician does not do indulge in mathematics not only because it is useful but because it gives a reason for being. The insignificant human existence can find purpose and greatness beyond its boundaries. To understand this beauty we should take it as an expression of structure and pattern like a painter paints a picture. Just like different colors combine to create a unique masters piece, similar numbers and notations integrating to produce beauty. Just look at the Rubik’s for instance, no human being without the help of mathematics can imagine solving it. It has more solution than many times the stars of this galaxy but with mathematical algorithms, we have accomplished to solves it in as less as 7.9 seconds.

Empowering Assignment Example | Topics and Well Written Essays - 500 words

Empowering - Assignment Example One of the best ways through which change is realized is by learning. Through learning, one is able to acquire knowledge and skills most appropriate in establishing change. Currently a number of people are accessing higher education in order to acquire sufficient knowledge and skills towards improving the manner in which things are done. One critical aspect of substantive importance is that as one acquires new skills and knowledge, it is important that the initially acquired knowledge and skills be discarded for an effective implementation of change. It is only through such means that obsolescence can be fought. Lack of following these strategies happens to be the greatest obstacles towards fighting obsolescence. A critical example is in the case, in which one spends lots of money is spent studying for an MBA course, which after a short while becomes obsolete requiring an individual to study more and acquire new skills. Fighting obsolescence requires various attributes in making it a success. Yes, it is for a fact that despite one spending, a lot of money is studying an MBA project; soon the skills acquired become obsolete requiring replacement. It is evidently clear that at every one time, there are the most appropriate mechanisms of tackling some situations that work effectively with the acquisition of the MBA. Such skills are useful in taken an individual into the next level, which also requires new skills and knowledge. Lack of a well-strategized and planned fight against obsolescence means an obstacle to change as is with the case of many supervisors who are not able to effect change, and resist any effort towards making a change. Achieving advanced knowledge such as through an MBA is very essential. In a life crowded by with numerous responsibilities and dreams to cater for, require that one use the acquired skills in fighting obsolescence to realize the dreams. Empowerment like fighting

What Impact Does Technology Laws Have On Business In America Essay

What Impact Does Technology Laws Have On Business In America - Essay Example (Techtheory, 2012). The frontier of technology has been clouded by businesses since forever. Anything that can speed up production, make it more efficient and bring home more profits will fish in increased business. Technology brought with it a change in the system, for example online air-ticket bookings, ATMs and so forth (Winston 2011). The opulent past eras together with the nowadays growing anxiety of technical transformation would suggest that there is a detailed scholarly reflection on the relationship between decree and technical know-how. Though, such is not inevitably the situation. Most academic researches on law and technical expertise can be responsive to anxieties engulfing a certain machine or technically arbitrated goings-on. This conventional grant resides in a rationally constricted border of location related with safeguarding a required upcoming finished law as a tool of communal procedure the scholar-lawyer’s task is primitively expressive and graphic in thi s case; it comprises the documentation of the ‘concerns’, ‘ambiguities’ as well as the ‘holes’ which need to be taken care of by decree-makers and lawmakers. This conference targets to contest this conventional strategy. (Techtheory, 2012). ... ysver 2010) Technology plays a major role in changing the interaction of lawyers with the clients along with changing the ways through which advertisement is done. It is a primordial form of regulations that guards innovative designs, imaginative practices of communication, findings, creations and secrets of trade. Law of this framework is upheld on the notion which is there to encourage creativity, and thus people accountable for unearthing and advances in sciences deserve to be compensated for their efforts put in for start-ups and break-through. Trifling ventures, too, have now come to be much easily started up with the help via the Internet. Even stay-at-home housewives who believe that they are able to make exceptional bakery items can now find it easier to market them over the World Wide Web and transport them to their customer base. Of course it is not as easily done as said. Any transaction steered online has to consider the issue of copyright, privacy and security. The compe nsations are some degree of dominations rendered by patent and copyright laws. A person is shamefaced of infringement of copyright if any one out of the five exclusively selected privileges provided to copyright proprietors is violated, under the Copyright Act. Copyright concerns; domain name concerns; trademark concerns; defamation; and linking and framing. In those privileges are included the right to prevention of reproduction of product (or work) by others, public display of a product, or distribution of a product (Tsyver, Patent law in the United States 2010). Nowadays, courts all over the globe are pressing hard to bring about the creation of Internet Laws- a process that is anticipated as well as dreaded at the same time. These laws are considered necessary because there are no past

Managing a Multi-cultural Workforce Coursework Example | Topics and Well Written Essays - 2000 words

Managing a Multi-cultural Workforce - Coursework Example Modern transport and communication, along with political structures like the European Union, have simply increased the diversity of people working on any one site. Health and Safety is a major concern in the construction industry, and there is a vast international literature on the subject, partly because this type of work is inherently more dangerous than many other types, and partly also because of the complex and often project-based nature of the working environment, involving many different participants, often coming with very different backgrounds, experience and culture. One of the difficulties of researching multicultural workforce issues is the fact that there is a huge spectrum of practice across the world: â€Å"The way in which OHS (=Occupational Health and Safety) is dealt with in different countries is a function not only of legislation, but also of the underlying culture, the attitudes of those involved, and, more importantly, the social, economic and political environ ment... Systems that may work well in, say, the United Kingdom, may not work well at all in Australia or Hong Kong.† ( p. 88) An important implication of this diversity across the world, is that migrant workers moving from one country to another bring with them a knowledge base, a set of attitudes and tendencies, and a whole world view that may be very different from those of their fellow workers. The problem for managers is how to ensure that a multi-cultural workforce shares important values and knowledge, especially in the area of Health and Safety, and follows the requirements of the particular site that they work in. 2 Literature review on SHE challenges faced in respect of multi-cultural workforce. One noticeable feature of a multi-cultural workforce is the fact that the workers may have very different linguistic backgrounds, while the situation on a construction site is usually such that one particular language is officially used for work related communications. This of ficial language of the site in question may or may not be the language of the location where the project is running, and problems can arise when a proportion of the workforce does not have adequate language skills in the main language of communication. This results in sub-groups within the workforce who communicate with each other in their native language, but struggle to join in with the official and or local language context. These groups can become isolated, and vulnerable to being left out of the loop of company planning, training and information processes. A study conducted on a multi-cultural workforce in Australia analysed the safety implications of this â€Å"ghettoization† and found that there are often distinct patterns in the workforce so that for example â€Å"Italians tend to concentrate in concrete trades, Croations in carpentry trades, Koreans in tiling trades, Maoris in steelwork and scaffolding and Irish in labouring etc† (Trajkovski and Loosemoore, 20 06, p. 1) This tendency means that there is often a three way professional, cultural and also linguistic demarcation in the workplace, and this presents a significant challenge for managers who are responsible for the Health and Safety of these workers. In theory there could be several conflicting models of behavior, supported by their own language and culture, operating simultaneously, and this has an obvious potential for misunderstanding and system failure when these areas interact with each other. Trajkovski and Loosemoore conducted a survey on multicultural construction workforces in

Lab assignment Essay Example | Topics and Well Written Essays - 250 words

Lab assignment - Essay Example We are aware that during the judgement day, God will judge us in accordance to our actions. Therefore, in my own view, everything lives in God just as the article suggests. Pentecostalism as suggested by the article â€Å"The Origins and Impact of Pentecostalism† originated from the days of the apostles in the day of the Pentecost. The denomination then spread to other parts of the world, winning many followers. According to Fisher (2013) â€Å"Over time, this tradition has ï ¬â€šowered into different groups, including fun-damentalists, mainline Protestant evangelicals, the Holiness movement, and Pentecostals.† Although there are difficulties in determining the truth of the theory, I chose to believe that Pentecostalism begun from somewhere. However, I cannot fully concur with the author on its initial beginning. Jesus taught through a number of ways, such as through parables and miracles. However, throughout his teachings, he gave a lot of emphasis on three pillars that he regarded as the most essential in the lives of human beings. Jesus taught about three most important pillars that are most important to a human being, which include righteousness, prayer, and fasting. The article also suggests that if we repent God forgives of our sins as the article suggests, â€Å"Those who sincerely repent—even if they are the hated toll-collectors, prostitutes, or ignorant common people—are more likely to receive God’s forgiveness than are the learned and self-righteous† (Fisher, 2013). Personally, I conquer with this as Jesus emphasised that no sin is too big to be forgiven. The beatitudes as Jesus taught are qualities of life that increase our happiness as well as makes us receive more blessings from God. If we follow the beatitudes, we increase our relationship with God and this improves our inner happiness. Fisher (2013) suggests that â€Å"that those who considered themselves superior were more at odds with God than those who were aware of their sins†, which

Managing a Multi-cultural Workforce Coursework Example | Topics and Well Written Essays - 2000 words

Managing a Multi-cultural Workforce - Coursework Example Modern transport and communication, along with political structures like the European Union, have simply increased the diversity of people working on any one site. Health and Safety is a major concern in the construction industry, and there is a vast international literature on the subject, partly because this type of work is inherently more dangerous than many other types, and partly also because of the complex and often project-based nature of the working environment, involving many different participants, often coming with very different backgrounds, experience and culture. One of the difficulties of researching multicultural workforce issues is the fact that there is a huge spectrum of practice across the world: â€Å"The way in which OHS (=Occupational Health and Safety) is dealt with in different countries is a function not only of legislation, but also of the underlying culture, the attitudes of those involved, and, more importantly, the social, economic and political environ ment... Systems that may work well in, say, the United Kingdom, may not work well at all in Australia or Hong Kong.† ( p. 88) An important implication of this diversity across the world, is that migrant workers moving from one country to another bring with them a knowledge base, a set of attitudes and tendencies, and a whole world view that may be very different from those of their fellow workers. The problem for managers is how to ensure that a multi-cultural workforce shares important values and knowledge, especially in the area of Health and Safety, and follows the requirements of the particular site that they work in. 2 Literature review on SHE challenges faced in respect of multi-cultural workforce. One noticeable feature of a multi-cultural workforce is the fact that the workers may have very different linguistic backgrounds, while the situation on a construction site is usually such that one particular language is officially used for work related communications. This of ficial language of the site in question may or may not be the language of the location where the project is running, and problems can arise when a proportion of the workforce does not have adequate language skills in the main language of communication. This results in sub-groups within the workforce who communicate with each other in their native language, but struggle to join in with the official and or local language context. These groups can become isolated, and vulnerable to being left out of the loop of company planning, training and information processes. A study conducted on a multi-cultural workforce in Australia analysed the safety implications of this â€Å"ghettoization† and found that there are often distinct patterns in the workforce so that for example â€Å"Italians tend to concentrate in concrete trades, Croations in carpentry trades, Koreans in tiling trades, Maoris in steelwork and scaffolding and Irish in labouring etc† (Trajkovski and Loosemoore, 20 06, p. 1) This tendency means that there is often a three way professional, cultural and also linguistic demarcation in the workplace, and this presents a significant challenge for managers who are responsible for the Health and Safety of these workers. In theory there could be several conflicting models of behavior, supported by their own language and culture, operating simultaneously, and this has an obvious potential for misunderstanding and system failure when these areas interact with each other. Trajkovski and Loosemoore conducted a survey on multicultural construction workforces in

STRATEGIC MANAGEMENT Essay Example | Topics and Well Written Essays - 6000 words

STRATEGIC MANAGEMENT - Essay Example Tutor Signature: Date: Table of Contents Introduction 4 Theoretical Background 5 Advantages and Disadvantages of E-commerce 6 E-business strategies 8 Implementation Challenges 12 Conclusion 13 References 15 Introduction With the evolution of technology and introduction of the Internet, there is great change in the business environment. Every organization whether it is large or small scale, is trying to adopt and incorporate in business models based on technology into their system. This adoption of web based technology in the business lead to the emergence of E-commerce. In the current business scenario, e-commerce playing a crucial role and changed the way business is conducted around the globe. E-commerce is forcing the companies to find the new ways of expanding their market in which they compete (Plant 2000). To compete and sustain in the new markets, it become more crucial for the organization to not only attract the customers, but also to retain by tailoring the products and ser vices according to their needs and demand. Apart from redefining the products and services, organizations are also forced to restructure their business processes in order to deliver the products and services more effectively and efficiently (Reynolds 2004). ... In this report two business models has been used- McCarthy’s four marketing mix model and Porter’s five forces model to identify the strategies for organizations which want to enter in the field of e-commerce. The overall goal of this study is provide significant insights onto the challenges and advantages of e-commerce and business strategies. Theoretical Background (a) McCarthy’s Four Marketing Mix Model As per the McCarthy, a firm defines its marketing strategies after identifying the target market for its products or services. On the basis of the target market, organization then develops a marketing mix is a combination of product, price, promotion, and place designed according to the target market with the aim of enhancing the sales (Blythe 2009). The unique marketing mix allows the organization to sustain and compete more effectively, thus ensures the profitability and sustainability. For example, by offering different products with an attractive sales prom otion and effective logistics, a firm can increase its sales and revenues. This concept is also applicable on the e-commerce, and organizations working in this field are required to develop strategies for their target market by taking the unique nature of online marketing into the consideration (Napier et al 2006). (b) Porter’s Five Competitive Forces Model This five competitive forces model of Porter’s says that every organization develop its business strategies with the aim of gaining competitive advantage over its competitors. Organization can develop its strategies by focusing on five primary forces: (a) threat of new entrants, (b) rivalry among existing firms within an industry, (c) the Strategic management Essay Example | Topics and Well Written Essays - 750 words - 3 Strategic management - Essay Example (p. 96) They are pivotal in generating competitive advantage because they reinforce an organization’s functions such as marketing, production or research and development. For instance, in the marketing department, the strategy would work by featuring real-life customers in direct-response print and television advertisements that would steer them towards the company website. In the application of a functional management strategy, the functions as well as the roles assigned will be able to manage corporate level strategies and their activities in such a way that they optimize their functional performance resulting to positive results that contribute to the overall company performance. Ray maintained that there are two kinds of competitive management strategies: the offensive and defensive strategies. The first is concerned with the strategy that usually takes place in an established competitor’s market location, while the latter takes place in the organization’s own current market position as a defense against possible attacks by a rival. (p. 13) However, the case is, the goal is the same: to secure market share, acquire new customers, maintain current ones and cultivate customer loyalty. In the case of this company, a combination of these two strategies would be used, although with more emphasis on the offensive strategy, considering the fact that most of its products claim less than 3 percent of the market, with only one product dominating 40 percent in its own market location. In terms of offensive strategy, the competitive advantage that drives the attraction of new customers is fuelled by innovation and customer value. Currently, the focus of t he organization on innovation has been reaping rewards already. According to Pieper, corporate strategy is the setting of a company’s long-term goals, major policies and plans, and the

The Hotel Escargo Essay Example for Free

The Hotel Escargo Essay The Hotel Escargo has asked for a summary of the observations found for improvement. In this report the hotel needs will be summarized and a job design and measurement strategy for ensuring improvement will be proposed. Introduction The Hotel Escargo has many services that need improving such as check-in and check-out service, multi-lingual staff, complementary concierge desk, room service, local area transportation, and amenities. Hotel needs and rank of importance Check-in and check-out service Amenities Multi-lingual staff Local area transportation According to Ricarda B. Bouncken, the more an employee knows about what the customers want and service procedures, a hotel can improve service quality. â€Å"Service quality depends strongly on the ability of hotels to acquire, to develop, to accumulate, and to distribute knowledge assets.† Check-in and check-out services For the Hotel Escargo, check-in and check-out service needs improving. On July 31, 2012, it took 8439 seconds to check in 29 guests. The average time for checking in 29 guests is 291.0 seconds, 4 minutes and 51 seconds. The check-out time for Hotel Escargo for 32 guests on August 1, 2012 was 6703 seconds, 3 minutes and 17 seconds. In order to reduce the number of service operations and speed up check-in and check-out, the hotel can get information about the guest prior to them arriving by acquiring information about the guest when they book online or by phone from the preferences they list. Amenities Hotel and room amenities are important to guest. For the hotel amenities, complementary concierge service, restaurants bars with a variety of foods, 24 hour in-room dining, full service spa’s, golf club, conference and event space, fitness zone, and multi-media kiosks for email and airline check-in are all excellent amenities guest will love. Room amenities can include hair dryer, microfiber bathrobes, down pillows, Thai bed linens, on demand movies and entertainment, private bar, in-room safe suitable for laptop storage, alarm clocks, complimentary high speed wireless internet access, same day dry cleaning, thermostat control, and pet friendly commendations. Multi-lingual staff Not only should staff be efficient and friendly. A well versed staff should be in place for those who do not speak the language. Local area transportation Not everyone will be able to rent a car, or even want to drive in a place they do not know well or at all. The Hotel Escargo can provide local transportation to and from the airport, to the local shopping areas and points of interest. Areas to improve within the next 3-6 months Check-in and out services can and should be the first thing the hotel improves. Multi-lingual staffing should be a variety of staff members who are courteous, friendly, efficient and fluent in different languages, and amenities. Starting with the little things such as adding alarm clocks to each room and wireless internet access, up-grade to quality bedding including pillows and bathrobes, and upgrading the televisions to have on demand and entertainment. Proposed job design and measurement strategy Check-in and check-out services The Hotel Escargo can improve check-in and check-out services by  implementing an online check-in service at the time of booking and by gathering the customers preferences at the time of booking as well as when taking reservations by phone. The first step to implementing this improvement is to set up an online booking system that will allow the customer to put in their preferences and give feed back to the hotel. It should be set up so that the customer can check-in early and check-out online by credit card and reservation number. Amenities The Hotel Escargo can start off their improvements by starting with what the hotel has to offer each of it’s’ guest. A survey of what the customer would like to see would help narrow down what they can offer. After a survey, customer feedback from guest who have stayed at the hotel and preferences from future guest should help sort out these amenities. Once these things are done and the hotel is clear on what their customers need, want and prefer, they can start implementing the plan with the smallest thing such as adding alarm clocks and so on. References Bouncken, R.B. (2002). Knowledge Management for Quality Improvements in Hotels. Journal of Quality Assurance in Hospitality Tourism, 3(3/4). 25-59 Wadsworth, H., Stephens, K. Godfrey, A. (2002). Modern Methods for Quality Control and Improvement. (2nd edition). John Wiley Sons.

Online Banking Advantages and Disadvantages

Online Banking Advantages and Disadvantages Jump to: Advantages of Online Banking | Disadvantages of Online Banking | Types of Online Banking | Findings | SWOT Analysis of Online Banking | Banking Security Systems | Issues of Implementing Online Banking | Government Role in Online Banking | Recommendation | Conclusion OVERVIEW On ONLINE BANKING Information technology has become the platform of banking as a whole, especially of online banking. Though this is an entirely new term for out country, due to the intense competition its application is increasing rapidly. Now a day, it has become almost obligatory on the part of the banks to implement this. The online banking services that we are getting now are limited to some extent in most cases. But it is expected that in near future we are going to get the fullest service from online banking. We are also expecting that the influence of online banking will be greatly upbeat for both the clients and service providers. INTRODUCTION E-Banking is defined as the automated delivery of new and traditional banking products and services directly to customers through electronic and interactive communication channels. Online banking (Internet banking) is a term used for performing transactions, payments etc. over the internet through a banks secure website. This can be very useful, especially for banking outside bank hours (which tend to be very short) and banking from anywhere where internet access is available. In most cases a web browser such as Internet Explorer or Mozilla Firefox is utilized and any normal internet connection is suitable. It is an umbrella term for the process by which a customer may perform banking transactions electronically without visiting a brick-and-mortar institution. With the help of E-Banking customers can access their banks without having to be physically present at the bank branch. In Bangladesh the idea of online banking was conceived in 1996 but the commercial operation started in 2001. Banks use a variety of services for Online Banking such as PC banking, Home Banking, Electronic Banking or Internet Banking. These systems offer certain advantages over traditional banking methods. Advantages of Online Banking For Consumers: The privacy of customers. Online services are available for consumers 24 hours daily during the whole week. Customers might save time and efforts of doing their finance transactions. It will be easy for them to view all information they need clearly and simply. Searching of any branch of a bank will be accessibly by online users. For Banks: One way of attracting more customers is to use their services. Increasing the banks reputation around the world is well known by many people. It doesnt need to employ lots of suffer or bankers to deal with customers directly. Banks can deal simply with their branches all over the world with one network. Disadvantages of Online Banking For consumers Some people feel uncomfortable to provide their passwords or any kind of information about their funds over the internet. Some websites might be difficult for consumers for the first time to check their finance. It is possible for banks to update their websites, which needs from consumers to type in again their data. It is necessary to have knowledge and skills on using the Internet. For Banks Banks may require big amount of money to establish a website with attractive features. They may lose their information if the network is damaged with other branches. Hacking and viruses will cause problems for online banking, which could brake and damage the information. Types of online banking The common assumption is that Internet banking is the only method of online banking. However, this is not strictly the case, as several types of services are currently available: PC Banking: The forerunner to Internet banking has been around since the late 1980s and is still widely used today. Individual banks provide software which is loaded on to an SMEs office computer. The SME can then access their bank account via a modem and telephone link to the bank. Access is not necessarily via the Internet. Internet Banking: Using a Web browser, a user can access their account, once the banks application server has validated the users identity. Digital TV Banking: Using the standard digital reception equipment (set top box and remote control); users can access their bank account. Abbey National and HSBC services are available via digital TV providers. One of its main selling points is that no account details are transmitted via the World Wide Web. This service is absent in our country. Telephone (Mobile) Banking: It includes the banking through using the Telephone operator whether public or private with wire or wireless. Its a form of e-banking that helps the household who have no facility to access Internet and computer. Now phone and online banking in Bangladesh only offer services such as balance check and request for statement. But the mobile banking allows fund transfer, paving the way for money transaction through cell phones across the country Text phone (SMS) Banking: Many of the national and multinational banks have introduced this service to allow customers with text phones to check their balance, pay bills and transfer money. ONLINE BANKING: Products Services of  Different banks in Bangladesh Eastern Bank Limited Credit Card: The brand name of credit card of EBL is Simple Credit Card. The basic features of EBL credit cards are: its free for its clients for all time, it can be used for balance transfer, mobile alert facilities, it has world wide acceptability, Immediate cash advance service, risk assurance program, convenient payment option and global emergency assistance service etc. Debit Card: EBL has introduced the Debit Card for the savings Account holder who can use it to meet immediate obligation if he/she has enough balance to his/her bank account just after going to their ATM booths available with its each branch and sharing with others. Life-Style Card and Cool Card: These Cards are introduced only for the students for a soft condition but having a great exposure. Phone Banking: EBL Providing Phone Banking facilities to its clients as a part of online banking facilities. SMS Banking: EBL uses the SMS Banking to provide services to the grass-root level customers. Here a fixed SMS code is fixed for each specific service. DHAKA BANK LIMITED Phone Banking: The DBL has brought a great change in Phone Banking. Now this facility is getting so popularity. Internet Banking: All its ATM booths as well as branches are connected through Internet for which the any information among branches can be transferred within a moment. SMS Banking: The DBL is using the SMS Banking to provide services to the grass-root level customers. Here a fixed SMS code fixed for each specific service. International Card: Its a card which is accepted World-wide for Purchase Cash Withdrawals. Its a great service for its customers. Debit Card: It has been providing Debit Card facilities to its customers who can meet their money withdrawal matters at any ATM booths of its own operated or sharing with others to provide the security of its clients money. Credit Card: The Dhaka Bank has been providing the Credit Card facilities to its customers interest. Its named as Dhaka Bank VISA Credit Card. TRUST BANK LIMITED Credit Card: The Trust Bank uses the VISA Credit Card for Local, International and Dual Currencies. Its one of the banks personal banking services. Debit Card: The Trust Bank uses the Trust VISA-Electron Debit Card for local, international and dual currencies. It is one of the banks automated services to the customers. Phone Banking: It has such services for its customers. Internet Banking: It deals all the foreign transactions through the Internet Banking. SMS Banking: It deals with the grass-root clients through providing the SMS Banking services. DUTCH-BANGLA BANK LIMITED Bangladesh Bank data shows that there are about 600 ATMs in the country. The number was less than 300 a year ago. Currently, Dutch-Bangla Bank Limited has the largest network with 260 ATMs, with up to 12 new booths coming every month. Thirteen banks can use DBBL booths. Besides, the bank has an agreement with Q-Cash, allowing ATM cardholders of Mercantile Bank and Trust Bank to take cash from the same booths. Also, Dutch-Bangla Bank clients can use all Q-Cash outlets. The bank has a similar agreement with E Cash that runs 24 booths across the country. Now a day, they are providing truly Online Banking. Credit Card: The Dutch-Bangla Bank is only the bank which has more ATM booths than any other banks operating their business in Bangladesh. The DBBL-Nexus Credit Card is one of the medium which it permits to withdraw a certain limits of money from its booths. Debit Card: It is another product through which the Card holder is able to withdraw the money amount from his/her account. Its known as the DBBL-Nexus Debit Card. Phone Banking: They are very successful with the Phone banking (Telephone and Cell Phone). Internet Banking: About 80% of their e-banking is based on the internet Banking. SMS Banking: They also have SMS banking for the clients who are out of the Internet connection and they can have access to get the immediate service with just an SMS. ARAB BANGLADESH BANK LIMITED Debit Card: AB Bank uses the AB Bank Visa Debit Card. Credit Card: The name of AB Banks Credit Card is the AB Bank VISA EASICredit Card. Phone Banking: It uses phone banking as part of e-banking to run its online banking transactions. Internet Banking: The bank provides this service to its customers with a little limit. Western Union Money Transfer: It is also the member of Western Union Money Transfer for which its able to transfer money from one country to another within a moment. BANK ASIA Credit Card: The name of the Bank Asias Credit Card is Bank Asia Credit Card [MasterCard]. Debit Card: The name of the Debit Card of this bank is Bank Asia Debit Card. Mobile Banking: It uses Mobile banking as part of e-banking to run its online banking transactions. Internet Banking: The bank provides this service to its customers with a little limit. SMS Banking: It uses the SMS banking to deal with its grass-root clients. BRAC BANK LIMITED Mobile Banking: It uses Mobile banking as part of e-banking to run its online banking transactions. Internet Banking: The bank provides this service to its customers with a little limit. SMS Banking: It uses the SMS banking to deal with its grass-root clients. Debit Card: The name of Debit Card of the BRAC BANK is BRAC Bank Debit Card. Its allowed for the customers who have only the savings account and can withdraw only the amount belongs to its account balance. Credit Card: It introduces the 0% Credit Card named BRAC Bank Credit Card [MasterCard] which is undoubtedly an exclusive offer to all which is applicable for first 3 months interest free for all retail purchases. It charges no interest for balance transfer. It also allows 10 more supplementary cards for all the relatives. HONGKONG SANGHAI BANKING CORPORATION (HSBC) Credit Card: Although a limited number, a short listed Credit Cards are using by a few Bangladeshis who have a strong Credit worthiness. It permits a certain limits to withdraw beyond ones balance. Debit Card: Its using very much in Bangladesh. A number of ATM booths are available in Bangladesh including Dhaka and Chittagong. Mobile Banking: It uses Mobile banking as part of e-banking to run its online banking transactions. But its not applicable in Bangladesh yet. Internet Banking: Each and every branch of the HSBC is connected through the internet and about 80% of their e-banking is based on the internet Banking. SMS Banking: They also have SMS banking for the clients who are out of the Internet connection and they can have access to get the immediate service with just an SMS. STANDARD CHARTERED BANK Credit Card: It permits to use the Credit Cards to its customers. Debit Card: The customers are using Debit Cards and having great facilities with international bank. Internet Banking: Most of the services of this bank is operating through the Internet. Findings Analysis INDEPTH SWOT ANALYSIS (S)TRENGTHS: Diversification: These ten banks offer various online banking services as to attract the customers of different groups of people. Lower cost advantage: As the banks bring in bulks of customers, their operational costs go down. Multinational marketing capabilities: Being global bank, HSBC and Standard Chartered Bank enjoys the multinational marketing capabilities. They have been successful in attracting savings of savers and investors and lending a large volume of loans with the help of their online banking facilities. Start-up may take time: In order to register for a banks online program, we will probably have to provide ID and sign a form at a bank branch. If the bank is satisfied after proper scrutiny, the bank will permit us to start internet banking which may take a few days. (W)EAKNESSES: Centralization: These banks managements are mostly centralized follows top-down approach, decisions come form corporate branch and sometimes it takes much time to get the approval for credit card, where it could have been done faster. Since, Its competitive market, competitors can take this opportunity to move ahead of it. Manual works: Although the banking system is computerized of the banks; simultaneously records are kept manually for auditing purpose, such as using rubber chop, giving signatures, writing on forms etc. Therefore, these manual works destroy the value that the organization created significantly. Costly: Still most of the banks online banking facilities are somewhat costly. As a result they are yet to be succeeded to bring a large number of customers under the umbrella of E-Banking. (O)PPORTUNITIES: Many untapped regions over the country: Banks can attract even more customers by expanding its branches to other districts or regions and at the same time ensuring online banking service in Bangladesh, and thereby increase their market share profitability. Innovation: Banks innovative online banking products would be able to satisfy various customers needs thereby would be able to reach different target segments. Credit Card Facility: At present, a particular segment has a potential demand for credit cards, so the banks can utilize this opportunity to drag that particular segment before any of its competitors do. Although few banks already providing this facility, but the demand is still there as the existing facility is not sufficient comparing to the need. (T)HREATS: Duplication of the HSBCs service: Existing multinational local banks could copy the banks financial services, so they have to move ahead of others faster. Emerging Competition: New local and multinational banks or other financial institutions could emerge as the banking industry in Bangladesh is still growing, and become a threat to the existing online banking service providers. Political instability: As Bangladeshs political situation is unstable; it affects banking industry as well. So, it means the banks may face fluctuating demand for their products too. Security System used by the Banks Most of the lading banks follow the following security system for their online banking. Software: Online banking service of these banks employs the 128-bit Secure Socket Layer (SSL), which is one of the strongest encryption technologies; most commonly used by large-scale online merchants, banks, and brokerages worldwide. All online sessions between customers and the banks are protected by up to 128-bit encryption, which best protects customers information against disclosure to third parties. TPII software operates on the UNIX platform, which is known to be the worlds most secure and redundant operating system providing multiple users and multiple tasking facilities and Database is maintained in Oracle (RDBMS), the worlds most secure database system. Encryption is used to protect information: Encryption is a method of scrambling customers information to protect its transmission across the Internet. Encryption transforms data into an unreadable form, and decryption reverses that process. Both encryption and decryption require the use of a special code, usually referred to as a key. The encryption of data provides a strong degree of protection against tampering while data is moving through the Internet.    Cookies are not used for this service: A cookie is information that a web site puts on customers hard disk that it can remember something about customer at a later time. This mechanism allows the server to store its own information about a user on the users own computer. These ten banks do not use cookies for this service. ATM Hardware: a) Racal brand 128 bit Host Security Module (HSM) through which card information is encrypted, decrypted along with PIN generation. This device is used worldwide to maintain and relay highly secure information as an exchange platform. After HSM has verified and authorized the PIN and decrypts it, customers receive funds from ATM. The HSM is also responsible for generating ATM Card PINs for the TPII. b) Each ATM has a built-in 64-bit encryption device for ensuring maximum security during transactions. c) Three different ATM models are currently in use. They are the 1064ix (stand-alone ATM), 1071ix (Through-the-Wall ATM) 1072ix (Through-the-Wall) models. Each of the ATMs can capacitate up to four cash cassettes, of which, each one may hold up to 2,000 cash notes. Cash loading in ATMs are based entirely on usage frequency of the machines. d) All ATM booths have 24/7 CCTV surveillance systems to keep records of transactions taking place for a period of over one year. Moreover, each booth has a hot-telephone link affixed for troubleshooting and instant help-desk services. Problems  of implementating online banking Infrastructural deficiency: [WEAKNESS] To implement online banking in our state, the infrastructure is necessary. For this we need availability of electricity supply and telecommunication. Without developing these we cant develop this online banking system properly. Budget allocation: [WEAKNESS] The software is vary intricate to develop because e lacking of apposite in-house. In this regard, banks are to rely on software developing concerns at extreme costs. Hackers: The hacking, the serious crime of computer causes the injury and hazard to the security and safety of users of computer involved in online technology. As a result, hackers are the influential troubles of users of online business of a bank. Online banking services will not be feasible for an economy as most people are illiterate. They are beyond the scope of normal banking service. Micro-credit industry is now not only providing small credit but also mobilizing savings. The big problems are in the regulatory framework: [WEAKNESS] Lack of full convertibility. Bangladesh citizen cannot have access to the world wide online banking service due to regulatory restrictions. The reserve position will not allow free inter-country fund transfer. Risk: [THREAT] The credit information available for banks is often wrong, so it is very difficult to check whether the customer has difficult on a card issued by another bank. A data bank is required to see the list of the defaulters. More unconventional banks fill that gap in the market, trying to grab a share of the internet money, on the premises that they represent the richest and most educated part of the population. Privacy: Another central issue to the consumer is privacy. Database marketing is nothing but the manipulation of data over which customers feel that they want to have some kind of control. The general rule is that consumer privacy rights should be respected. Individuals should easily opt out of online marketing as an extension of their right to be removed from junk mail lists. Unemployment: [THREAT] One pre-conceived widespread idea is computers will displace labor. This is a matter of empirical study. Productivity and profitability are closely interrelated terms. The experienced excess staffs can be easily absorbed in to the expanding financial market. The unemployment will only be structural unemployment since the displaced labor will sooner have later acquired the necessary computer skills and thus become more efficient. Cost-effectiveness: [Weakness] Another misconception is that it is not cost effective. None of the banks that have designed properly on automation plan and implemented it with proper cost benefit analysis became less superior. Actually the acceptance of financial modernization is a matter of vision to the future. Unless computers become cheaper and online facilities become within the reach of middle class, they will remain unfamiliar with internet, and will thus avert them. Role of Government This is particularly important for countries like Bangladesh where very little has been done in development these technologies and skills to promote and support online banking. The government can take the following policies to promote online banking in our country: The intergovernmental agreement for harmonizing the rules and regulations that can help in smooth transformation of the world economy and expansion of a unified world market. The regulations should simply foster competition, protect intellectual property and privacy, and prevent fraud to do businesses under whatever terms they agree upon. An international uniform commercial code is needed to simplify and encourage electronic commerce under consistent rules and rights. Govt. can undertake perfect initiatives to construct feasible, platform of information technology within affordable capacity. Financial allocation should be more widen for global standard banking technology. Adequate number of bank employee will have both computer and banking aptitude and cognizance, suitable in the banking perspective to improve the banking sector. Tele-communication sector is pre-conditions to make fastest online banking services. Unfortunately a tale-communication service of govt. is yet to reach to remote and rural area. RECOMMENDATIONS These banks should Do frequent marketing research: The management of the banks should regularly administer marketing research activities in order to keep a regular track of satisfaction levels. As customer expectations and satisfaction are not static figures regular research at sufficient intervals should be conducted. Handle complains effectively: The banks should actively manage the complaints of various customers and encourage customers to give feedback about the services. The management should collect document complaints use that information to identify dissatisfied customers, correct individual problems where possible and identify common service failure points. Focus on segmentation strategies: The bank should concentrate on the various demographic segments that are currently not very satisfied with the banks services. Products services should be tailored for these segments. Appropriate research and surveys should be designed to find out the requirements of these dissatisfied segments. Do Relationship Marketing: The banks should focus more on existing customers in order to build strong and loyal relationship with them as the survey showed that satisfied customers more aptly or certainly recommends the bank to friends and relatives. Thus the power of relationship will foster Positive Word of Oral Communication and will attract new customers at a lower cost. Establish more ATM booths: From the survey, it is clear that customers are not very happy regarding ATMs locations. So, sufficient number of ATM booths should be established in different location to reach out the customers even further and thereby satisfying their demand. Introduce Credit Card Facility: While handling customers over the counter also over telephone, a certain demand for credit card facility was noticed strongly. We think, if the banks introduce this facility, more customers will be attracted therefore, they will achieve greater market share. Reduce Manual works to minimum: Although many of the ten banks do automation, still there are many things which are done manually in order to tract any errors or transaction, especially in emergency such as system failure etc. As a result, so much time is spent on this type of manual maintenance, which reduces value on delivering services. Thus, it hampers efficiency on delivering faster services. Educate customers in using Phone banking service: A few banks have introduced phone banking service or automatic telephone banking (ATB) in order to fulfill general customer needs and queries quickly, without interrupting employees. However, customers seemed reluctant to use this facility due to fear of machine usage or difficulty in remembering the seventeen digit numbers. Introduce SWIFT: Autonomous Banking culture, reducing dependence on manual service, should be in abundance irrespective of govt. and non-govt. organization in association with `SWIFT to bring about the whole banking service for massive well being of people. Ensuring proper training to the employees: Training should be imparted to the existing IT personnel. the new recruits for IT personnel should be provided with relevant education background. Conclusion Online Banking sets off the journey with a mission of reaching to target group of people across our country. The globalization facilitates the extinction of untidy and troublesome services in order to consolidate the very variegated, faster as well exquisite services to keep the people in regular touch of modernization. Considering this decision, banks and financial concerns took some welcome move recently. Usually all private owned banks from abroad coupled with a few local banks in collaboration with domestic support launched the trend of on-line banking. The completely refurbished banking sector stresses effort to spread this culture of banking. In this connection, only a few banks establish the timely steps by eradicating all sorts of strains and inconvenience in all respect. Since the financial services needs to be very optimum certain not scattered to foster the belief and reliance of people over banking sector. Thereby, the very exclusive and classic service procedure can be accommodated amidst of integration of joint collaboration with modern system. Alongside, the existing banking sector pays much heed and concentration to the fastest growth and development of Online Banking System. In this regard, Bangladesh is still in the backseat whereas the rest of the world is burning in flame of excellence at large. Despite the ascendancy of irresistible constraints, inconsistency that engulf the origin of the online trading, we are extremely aspiring and sanguine of prompt and illustrious development of online banking as rapidly as possible. Therefore, the banks should move ahead of its rivals by applying the recommendations provided above. Certainly, it will help reducing the gap (or dissatisfaction) retaining existing customers. And, once this dissatisfied customers become satisfied, it will not only help to retain existing customers, but it will also help to drag new customers through positive word-of-mouth communications. Also, it will help to attract new segments with different needs. Many customers are dissatisfied due to some areas of incompetent services. So, in order to sustain in the highly competitive banking industry, the banks should take