The Impact Of Traditional Banking On Banking Essay

Acquiring a loan was once a long and arduous process involving heaps of confusing paperwork and more importantly time. If you walk away from the process without any hassles or hidden fees, then consider yourself lucky. Today the lending space is virtually unrecognizable thanks to the disruptive power of financial technology. Fintech is often associated with robo-advisors like Wealthfront and Betterment, but the truth is it started in the lending space. Now there are multiple technology based lending companies that cover everything from student loans to credit card debt. A lot of the marketplace lenders have made undoubtedly made it easier for consumers but it’s still too early to know whether its broader impact can shake traditional banking dynamics. Traditional Banking Before taking a dive into the opportunities forming in lending marketplaces, it’s helpful to understand the basics of traditional banking. When a bank makes a loan to a customer this simultaneously creates a liability for obviously the borrower but also the bank. By extending a loan the bank has now created an asset equal to the amount of the loan and a liability equal to the deposit. Deposits are simply funds that customers hold in an account that banks use to make loans. Banks reciprocate account holders for this with a very small interest payment that often goes unnoticed because it is so small. That doesn’t mean financial institutions have free reign over its customer’s funds. Financial regulationsShow MoreRelatedRole of It in Banks1560 Words   |  7 PagesRole of Information Technology (IT) in the Banking Sector Banking environment has become highly competitive today. To be able to survive and grow in the changing market environment banks are going for the latest technologies, which is being perceived as an ‘enabling resource’ that can help in developing learner and more flexible structure that can respond quickly to the dynamics of a fast changing market scenario. It is also viewed as an instrument of cost reduction and effective communication withRead MoreThe Internet And Other Electronic Media1245 Words   |  5 Pagesother electronic media have had a positive impact on the lives of individuals and businesses all over the world. Online banking is a phenomena that was established to make the banking services easier and accessible for the customers. In Saudi Arabia, many people prefer wait in the bank to pay their bills rather than doing it online. This research investigate the extent of using online banking in Saudi Arabia, the associated problems of not using online banking and suggest a solutions for the financialRead MoreSecurity Issues Facing Online Banking1480 Words   |  6 PagesThere are security issues facing online banking and can these concerns be addressed. Introduction: Current technology is evolving fast, which brings new dimensions to people’s daily life. Moreover, network technological innovation not only brings huge economic benefits to the bank, but also has brought new needs for the requirements of online banking. The interaction between user and bank has been substantially enhanced by deploying computer operations, which not only reduce the cost of bank serviceRead MoreChallenge Faced by Bank Regulator and Supervisor1621 Words   |  7 Pageselectronic banking systems. Its not only provide the basic services like fund transfer and bill payments, but also doing the advance including provide the loan and card application. Electronic banking can define as the use of electronic delivery channels for banking products and services. Electronic banking services generally offered in two ways either traditional bank that is combine traditional and electronic delivery channels or virtual bank that operate entirely through electronic banking chan nelRead MoreNotes On E Banking Products811 Words   |  4 Pagesresearch objectives. 5.1 Summary of findings 5.1.1Current e-banking products available to customers The study found out that e-banking products available to the customers of Ghana Commercial Bank, Ecobank and Barclays are ATM Cards, Mastercard, internet banking for individuals and corporate institutions, internet banking, e-Statements, SMS banking,e-alerts, mobile banking, ATM as well as ATM, Visa card. The three banks have similar e-banking products. However Atwima Kwanwoma Bank has none of the aboveRead More2.1Literature Review Technology has always been a major driver of bringing changes and making1200 Words   |  5 Pagesreshaped practically every component of our lives. With the boom of new technologies such as Internet and mobile phone it reshaped the banking of today from traditional banking to e-banking. Online banking is characterized as the services provided by the banks to its customers through the Internet. (Geyskens, I., Gie1ens, K., and Dekimpe, M.G). Definition of Online Banking It is fundamentally the idea of using electronic methods or means to transfer money electronically directly from one account to othersRead MoreThe Use Of Online Banking Vs Traditional Bank Essay930 Words   |  4 PagesAccording to the above, the research is compared the use of online banking VS traditional bank, since many people in Saudi Arabia are not aware of the advantages of electronic banking, which it should not be as a problem in these days. The purpose of this study is to study and analysis the impediments of using online services which include: automated teller machine (ATM), internet banking, and tele-banking and then compare it with manual banking. The study also focused on the solutions that could be addressedRead MoreFinancial Crisis And Its Effects On Businesses, Governments, And Consumers978 Words   |  4 PagesIntroduction The worldwide impact of the recent financial crisis outlines the importance of having a decent understanding of crises. Latest episode has definitely showed that status of economic as well as the financial performance is greatly affected by financial turmoil. During the crisis, world stock markets have been collapsed, largest financial institutions have been bought out or fallen, and the wealthiest nations like UAE, UK of USA had to stand up and aid their financial systems as well asRead MoreWhat Are No Restrictions On New Financial Service Institutions?932 Words   |  4 Pagesindustry each year. However, the regulatory burden placed on financial institutions has controlled, or perhaps diminished, the number of new bank charters over the last 10 years (Adams Gramlich, 2014). This is particularly true for the smaller, traditional banks and a result of regulatory demand placed on the financial services industry since the 2008 financial crisis. Prior to 2008, the annual new charte rs were in the triple digits; however, ten years later new charters have declines into the singleRead MoreIndian Banking : Growth And Trends Essay1298 Words   |  6 PagesREVIEW OF LITERATURE A. Indian Banking Industry- Growth and Trends in Productivity Singh Jagwant (1993) in his book is concerned with trends and changes in productivity with particular emphasis on employee and branch productivity in the Indian banking industry. It determines the level of productivity and its growth during the period 1969-85. The 22 public sector banks i.e. banks of the SBI group and 14 nationalised in 1969 have been taken up for the study. The study attempts to make cross-sectional

Essay on Motivating Students in Writing Curriculum

Being an effective Instructor of Composition at the community college level requires a variety of skills and talents, many of which simply can’t be taught in formal classroom settings. Facing constant pressure to make judgments that have weighty consequences is just one of the challenges of teaching writing. A writing teacher who is too strict or inflexible can give students the excuse they may be seeking to withdraw or not perform in class. Some students are only too eager to proclaim that they can’t possibly meet high standards in writing, so there is â€Å"no use in even trying.† Putting stringent rules in place for a writing class does not necessarily provide an atmosphere that will foster successful student writing. But being lenient and†¦show more content†¦Which students are just trying to take advantage of a sensitive and compassionate teacher? And it is fair to other students to make exceptions for students with seemingly extenuating circumstanc es? Teaching writing has a way of forcing me to evaluate my principals and ethics on a daily basis. This is an exhausting task. While it could be argued that teachers of all subjects have to deal with this dilemma, the very nature of writing presents a unique situation. Students cannot seem to resist writing a personal essay whether one is requested or not. A teacher of Math or Chemistry is not likely to receive an essay in which personal information is disclosed. Even with my limited years of experience teaching writing in college and high school, I can confirm that students write mainly about what they know. And what they know best is their own lives. Receiving essays and verbal communications of a personal nature-and in turn responding to such offerings---seems to be part of the job. This observation confirms one of the conclusions drawn by Dan Morgan in an essay entitled â€Å"Ethical Issues Raised By Students’ Personal Writing† published in College English in March 199 8. Morgan illustrates some of his experiences as a writing teacher and more importantly, shares with his reader insights about the ambiguous complexion of writing instruction today: The inescapable conclusion is that the very nature of teaching itself has changed, especially inShow MoreRelatedUsing A Educational Article Tasdiq Alam, An Educational Lecturer, And Researcher824 Words   |  4 Pagestechniques validate the essence of not only motivating students, but certifying the leading cause as to why secondary students are motivated. In her research, Alam purpose was to inspire and motivate students through operative teaching practices that incorporates creative ideas. These ideas are to be made for teachers, in order to effectively motivate secondary students while learning the academic curriculum. In the research, the author deliberates on how students are bestowed in miscellaneous ways forRead MoreChildren s Literature Through The Curriculum1104 Words   |  5 PagesIncorporating Children’s Literature Through the Curriculum Literature is extremely important to a child’s learning and development. It allows children to explore different views and experiences. It also sparks questions and in turn leads to new knowledge. â€Å"Educators who believe in reading literature in the classroom and who attempt to integrate listening, speaking, reading, and writing across the curriculum describe themselves as whole language teachers† (Kolstad 1). These teachers take the benefitsRead MoreMotivating K-12 Learners in Education 969 Words   |  4 Pagesthat effects students learning ability, causing them to detach from the classroom setting, which later results in failure on standardize tests. Motivation is very essential in education. It implicates the reason of a childs actions and behaviors in a particular way. The theoretical background for this study centers around ways students interest level arises and fails, and what strategies and activities motivates them when learning. Educational researchers p ronounces that students are motivatedRead MoreMulticulturalism in the United States Essay1306 Words   |  6 Pagesseen when a class of students consists of individuals who speak a dozen or more languages. Mike Rose demonstrated these differences by using the diverse ethnic groups seen in the area of downtown Los Angeles. Within a few short blocks one can travel to Chinatown, Koreatown, Little Tokyo, Olvera Street, and Skid Row. His examples of immigrants from China, Italy, and others all shared common deficiencies in literarcy. The newcomers all came to this country with poor reading, writing, and speaking skillsRead MoreEssay on To Kill A Mockingbird by Harper Lee694 Words   |  3 Pageswell and follow the curriculum of their taught subject, but they should also be able to inspire, motivate and discipline their students. Especially a great English literature teacher. A ‘good’ English literature teacher will teach their student the basis of grammar, composition, an d structure then application of English writing. But a great English literature teacher will forever have a lasting impact upon their disciple, a great teacher will be able to provide their students with genuine interestRead MoreRationale for Integrating the Arts1272 Words   |  6 PagesIntegrating the arts across the curriculum is an innovative, yet effective educational process by which students learn through the arts. The programs intent is not to necessarily teach the arts, but to use them within the regular curricula. The activities use art as the catalyst to make learning meaningful and motivating. Students learn best when they are actively learning. The arts provide opportunities in which students are actively involved in learning. Students are more likely to retain knowledgeRead MoreMotivating Your K-12 Students Essay3152 Words   |  13 Pagesthat effects students learning ability, causing them to detach from the classroom setting, which later results in failure on stand ardize tests. Motivation is very essential in education. It implicates the reason of a childs actions and behaviors in a particular way. The theoretical background for this study centers around ways students interest level arises and fails, and what strategies and activities motivates them when learning. Educational researchers pronounces that students are motivatedRead MoreUsing Tablets in Teaching English as a Second Language1191 Words   |  5 Pagestechnology significantly changes the way students and teachers interact. It adds completely new dimensions to classroom interaction by providing digital ink and drawing tools for writing, sketching, and drawing; and for real-time collaboration. Cloud-based solutions have become ever more popular with the students who are continuously looking to deliver synchronized experiences that are device agnostic. The PC Tablet aligns well with this trend, giving the students portability and options for constantRead MoreShould College Courses Be Graded Pass/Fail?1023 Words   |  5 Pagesapprehension, however, is the knowledge base needed for the basic fundamentals of each curriculum, which teachers instruct by motivating students by a grade of comprehension. If students are not willing to take initiative to learn the basics, something has to motivate them. This question applied to the UMUC curriculum shows that same pros and cons. The pros of a pass/fail grading method give more freedom to students to broaden their scope of learning and ease the pressure of achieving what the teacherRead MoreImproving Students Through Communication, Connection, And Collaboration967 Words   |  4 Pagesand interests will be beneficial to the students’ growth in the course. Additionally, these researchers found that facilitating student engagement and motivation, teachers are encouraged to provide constant and consistent feedback which includes questions and activities which spark reflection. Research indicates the process of engaging students through communication, connection, and collaboration is based on what works best for the population of students in the online course (Cavanaugh, Repetto

Benign Prostatic Hyperplasia free essay sample

Benign Prostatic Hyperplasia is a condition that affects the prostate gland in men. In BPH, the prostate gland grows and may apply pressure against the urethra and can slow or decrease the flow of urine during urination. This particular enlargement being benign means that it isnt due to cancer or infection. http://familydoctor. org/ online/famdocen/home/men/prostate/148. tml Doxazosin combined with finasteride was found to be the most successful drug combination in the relief of symptoms and prevention of BPH progression, according to a trial performed by the Medical Therapy f Prostatic Syndromes, with their research being also supported by the National Institute of Diabetes and Digestive and Kidney Diseases. (Prostate Enlargement: Benign Prostatic Hyperplasia, 2006) In doing my research for a herbal supplement in which I would like for a family member to try if they were faced with BPH, would be Saw palmetto. According to the American Botanical Council, Saw palmetto is the leading herbal treatment for BPH in the United States. We will write a custom essay sample on Benign Prostatic Hyperplasia or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page (Kirchheimer, 2003) I finally found the names of the certification symbols which should be (or at least I will) ooked for when purchasing non FDA regulated supplements. These symbols of these three companies help the consumer by verifying the contents of that specific product. They are the United States Pharmacopeia (USP), NSF International, and ConsumerLab. com certifications which can be found on SOME supplement labels. For more information on what all things each one checks for, because they all three are a little different, you can go to http://www. sparkpeople. com/resource/ nutrition_articles. asp? id=506. It is so hard for me to say which one I believe is most ffective in treating ailements, medicinal drugs or herbal treatments, because I have excellent result from both. My mother is all about herbal supplements, and while living in southeast Alabama, I really enjoyed listening to a Dr. Joel Wallach, the author of Dead Doctors Dont Lie. You can actually do a search and youd probably really enjoy and be amazed at some of the topics he discusses, such as the average life expectancy for a doctor(58) being less than that of a couch potato! Anyway, he did teach me about several key remedies that I still use, one of those being the use of Glucosamine and Chondroiton to relieve arthritis symptoms and it DOES work. He claims that you can take a packet of gelatin (like you cook with, but not JELLO), mix it in with some Juice and itll help and it DID! Anyway, yes, he is a Nobel Prize nominee, and yes he does push his Longevity product line, but seriously, its good stuff My neighbor started taking the colloidal vitamins and minerals daily and his hair literally turned from grey to brown! You know, Just the reverse of what you see when someone bleaches their hair blonde, then their black or brown roots start to how as their hair grows, but Just the opposite! Last year I had a nasty fight with MRSA staph infection, and literally had to have several spots on my body drained of infection, and at 3 sites, I actually had to have tubes sewn into my back and left there for almost 2 weeks to drain continuously. After having such a nasty case of MRSA, I was told that I would most probably be susceptible to catching it again. My mother told me to try putting Grape Seed extract from a capsule,mixing with a few drops of water, and making a salve and putting it on any of those spots that appeared next he doc gave me all those times before, even though it was indeed the same thing, MRSA.