PEST analysis for the iphone in the UK( just Social and Technological Essay

PEST analysis for the iphone in the UK( just Social and Technological part) - Essay Example One of the company’s products that are highly demanded in the market is iphone. This paper will discuss the technological and social factors and how they affect the demand of the product in the UK market The young people make the largest market segment in UK. These are people with a disposable income which they are willing to spend on high quality products in the market. Having an iPhone is currently being considered as a social symbol. The current generation has a perception that owning one of these phones is an indication that one belongs to a higher social class (Meek, Meek, & Chartered Institute of Marketing 2003). Therefore, young people across the UK are working hard in order to ensure that they get hold of this gadget. This has played a significant role in increasing the demand for the product in the market. The design and the quality of iPhone make it ideal for majority of the UK population. The local population believes that Apple Company produces high quality products which meet the demand of the current generation. As a result, people are willing to go to any extent in order to purchase the product. Moreover, the innovative nature of the company makes the customer more eager to wait for the next product (Nykiel 2003). However, iPhone has been able to satisfy the interests of very many customers in the UK. Therefore, the demand for the phone continues to rise each day. Apple Inc has been using various media in order to reach the target market. Currently, it has shifted towards social media in order to reach its customers across the country. The social media platforms have given an opportunity for the company to communicate directly with the customers (Pogue 2010). As a result, the customers are able to raise their grievances concerning the company’s product. Therefore, the issues are addressed before they get out of hand. This has been instrumental in developing a very close customer relationship (Lancaster &

State Beer Industry Essay Example for Free

State Beer Industry Essay 1) The United States brewing companies has become more concentrated over the last two decades due to declining beer consumption from direct substitutes such as wine or spirits, also increased advertising has proven a disadvantage for smaller breweries, and also technology of canning and distributing of beer has increased advertising expenditures and most smaller breweries cannot manage to reap economies of scale. 2) A) Risk of entry for the US beer industry includes factors like high entry costs, high advertising costs, brand loyalty, established companies having an absolute cost advantage, and the switching costs of customers. B) Intensity of rivalry between larger companies like Anhesuser-Busch, SAB-Miller, and Molson Coors makes it hard for upcoming breweries to compete on the same level. Also shrinking industry demand at this time can cause failure for new companies looking to get into the industry. ’ C) the bargaining power of buyers in the U. S. beer industry could be a threat as it will lower prices and raise costs D) The bargaining power of suppliers could raise costs causing lower profits for those in the industry E) Close substitutes such as wine and spirits. 3) Implications of evolving competitive structure for profitability and strategy for a smaller mass market firm means that the smaller firms will have to become more competitive in price or follow the most dominant firms in the industry. 4) Yes there are different strategic groups in the industry some of these include marketing, research and development (technology), manufacturing and supply chain. I’m sure the nature of competition varies slightly between groups but they all want the same thing in the end to beat out their competitors.

Romeo and Juliet: The Play :: essays research papers

Romeo and Juliet: The Play" Accidentally, incidentally, unintentionally, intentionally; no one ever really knows, but we are for certain one thing: â€Å"the heart isits own fate.† For Romeo Montague and Juliet Capulet, two star-crossed lovers in Shakespeare’s masterpiece play ‘Romeo and Juliet,’ this holds especially true. Romeo and Juliet’s â€Å"misadventure piteous overthrow† is fueled by their love for each other and their determination to be together, no matter what. Romeo and Juliet’s love with stands the hate surrounding them. Thus, fate is undoubtedly the most responsible influence for the two young lovers’ heartbreaking tragedy. A letter, never meant to even graze the hand of a Montague, was indeed read by a Montague. As fate would have it, a servant gets tangled up on the addresses of the letters to be delivered, notifying recipients of Capulets’ masquerade party, and stops the first pedestrian that walks by, hoping that he would direct them to the correct address. Undoubtedly, the first pedestrian he ran across was Romeo, his kinsman Benvolio in tow. When Benvolio learns word of the party, he is eager to go, while Romeo is reluctant. With a little nagging, Benvolio and Mercutio convince Romeo to go. It takes one glance, one intense, meaningful glance, and Romeo is in like with Juliet Capulet, his loathed enemy. With one kiss, they are both in love with each other, without knowing, tragically seal both of their lives into a tomb of confinement, filled only with their love for each other. Another episode of fate, or rather dramatic irony, happens when Romeo somehow misses getting a letter from Tybalt Capulet, his enemy, challenging him to a duel. Romeo, unknowing of the tragic letter sent to him, but not gotten, goes to tell his friends of his beautiful bride, but, in return, comes face-to-face with none other than Tybalt, his loathed enemy, the kin to his new bride, Juliet. As soon as Romeo shows up, though, he is greeted by Tybalt’s insults, calling him a villain, but instead of stepping up to Tybalt’s challenge, though, Romeo backs down, saying, â€Å"Tybalt, the reason that I have to love thee doth much excuse the appertaining rage to such a greeting. Villain I am none. Therefore farewell. I see thou knowest not me.† After harsh words are spoken, families are disgraced, and names are scorned, Romeo finally just backs away. Mercutio, though, cannot let his man be put to disgrace, so he decides to defend Romeo’s name.

Ethics: Review Questions Essay

1. Why do we study ethics? Morality or ethics is one of the main subjects of philosophy, which focuses on the morality of human society. Delineate what is right and what is wrong. If it is easy to explain what ethics means to be separated from the good from the bad, why we should learn about ethics because learning ethical action is right or wrong according to society, culture and traditions of happiness? 2. Why should we be concerned about doing â€Å"the right thing†? Doing the right thing is to make a social convention by which people in society recognize the need and the peace of society, free from bias and corruption to society. 3. If each of us has a unique set of influences and values that contribute to our personal value system, how can that are applied to a community as a whole? The Personal Values ​​to social participation is difficult, if our thinking is not good enough, and contrary to social ethics. But it’s not that impossible, if we know how to convince people in the society and present the advantages and disadvantages that will be followed for everyone to learn our thoughts may be influenced by a small group to big society is not difficult. 4. Is it unrealistic to expect others to live by the Golden Rule? Which we have moral, ethical, and with others person, it cannot guarantee that other parties will perform as well as we do the right thing always. Thus, we must adhere to what is good for social peace. 5. Consider how you have resolved ethical dilemmas in the past. What would you do differently now? I’ve been hit in the head several times to err on the side of ethics. For example, using connections to make good results from others using the influence of the family. After doing so, I think that the act is wrong, I should have the ability to solve their own problems and presented with their own ability to influence others not to threaten to get in the thing desired. 6. What would you do if your resolution of an ethical dilemma turned out to be the wrong approach and it actually made things worse? If I am in a situation like that, I tend to see the damage that would follow from the action unethical if it is not serious, I will find a good solution to that situation. Serious consequences if I choose not to do, and he was reprimanded by my boss to summer than to others person, I believe that every situation there is a solution, if everybody not  selfish.

French Decolonization: Conflict in Algeria Essay

In entire French history, France almost enjoyed great influence on what is happening in Europe and in the world. It was due to big colonial territory France could dispose with. There was period when the competing for influence with the Great Britain was very successful. It supported not only its political power, but colonialism had a considerable impact on the economic situation of the country. Algeria had a very important position in this system, which could be caused by a large number of Frenchmen who lived in the area. To understand why there have been so much violence during decolonization, that grew up in war; we must also look to the position of Algeria in colonial domination of France, because here you can find many causes of Algerian conflict. [1] The emergence of the French colonies As the beginning of French colonial endeavors can be count the development of voyages of discovery. The first goal of French colonizators was North America and then Asia. At that time,Africa was hardly reachable, as it was the territory of the Ottoman Empire. The chance to control the region occurred in the 18th and 19 century, when the Ottoman Empire became a â€Å"sick man on the Bosphorus. â€Å"[2] After the French Revolution and the advent of Napoleon Bonaparte to the position of consul, attention of foreign policy has been focused on the possible colonial expansion to the north Africa. The Egypt became the main objective of French colonizators. French Foreign Minister Talleyrand asked for its incorporation under French influence. â€Å"It was obvious that the point was to re-open the way to India and to the allies Tipu Sultan, who in 1784 became Maisuriem ruler. However, France failed to get Egypt under its domination. Large ally of France, which was the United Kingdom, became the one who controled more or less control Egypt. United kingdom had not absolute control over it because the country still maintained largely independent government [3] France issued in Africa to the west. Trying to control west territory of the Egypt. The reason for this was mainly the fact that, in this area, they discovered massive deposits of gold and diamonds. That is why in this area France had competed with other European countries. Again, they competed with the British, in addition, they were still pushing the Portuguese, Germans and partly Spanish. The emergence of the French colonies in the territory of Algeria Practically the biggest breakthrough in the creation of French colonial rule in Algeria became a convert under the administration of France. This area was for few hundred years the territory of the Ottoman Empire, but at the turn of the 18th and 19th century began to show its decline and slowly became this â€Å"sick man on the Bosphorus. [4] Already in the late 18th century France realized that this weakness of the Ottoman Empire could be obtained under its administration of Algeria, which had strategic potential, mainly due to its mineral resources. Desire for Algeria was also presented as a solution to domestic problems which France at the turn of the century faced. These efforts continued and culminating and did escalate in 1827, when the French finally got an excuse for action. On 29th of April the Dey of Algiers, Husayn, stuck the French consul Pierre Deval in the face with afly-swatter. This insult of the representative of France in the regency started a crisis in relations betweeen these two countries as a result of which the French stumbled upon one of its most important colonial ventures. The actual colonization began about three years later, in 1830. The French army invaded, whereupon ensued a brief but intense war for territory of Algeria. On 14th of June 34,000 troops from the fleet numbering 600 ships landed Algerian Coast. Dey sent 7,000 Janissaries, that were gradually joined by up to 35 000 soldiers sent to other deyove of North Africa. Due to its better and advanced equipments French troops very quickly conquered the Capital on 19th of June. In the following days, Algerian Dey fled to Naples thereby Ottoman control over the area collapsed and Algeria came under the domination of France. In 1847 it was designated as a military colony, and its head became Governor-General, who had executive and military power virtually in his hands. Algeria’s population almost never adopt their allegiance to the French Government and the entire existence of the colonial establishment and considered French to be occupiers and relationship with them was very complicated and not very friendly. [5] The system of colonial rule in Algeria In order to objectively examine the reasons and causes of so bloody conflict that accompanied the process of obtaining Algeria’s independence from France, I have to first, at least briefly mention how system enabling France to rule Algeria looked like. As mentioned previously, this area was set up so-called military colony. This concept holds some elements that would distinguised from normal colonial establishment. Of course, it is almost impossible to summarize the colonial system by simple definition, in which the form of government would be generally described, because each country had dominated colonial specifics, which was system necessary adapts. In the introduction I mentioned that Algeria had a very special position in the French colonial domination. This uniqueness had several reasons arranged that its influence on the functioning of continental France was greater than by the other colonies. It should also be noted that after Algeria succeeded to be at least partially stabilized, the military colony was reformed and at the end of the 19th Century the area came under civilian administration. Certain trait was also the fact that this area did not fall under the Ministry of Colonies, as other dependent territories, but directly under the jurisdiction of Ministry of Interior. This also points to the importance that French attached to Algeria. [6] The first reason was the very position of Algeria. Located very close to France and could therefore become important to French traders, who were going to make a bussiness there. This is mainly due to cheap labor in the form of the indigenous population. Therefore, it is quite inappropriate to refer to French colony as disadvantageous. Yes, unlike the British colonies meant no colony for France large revenue to the state coffers, but the private sector have greatly prospered. Taking into account the protectionism, which reigned in these â€Å"departments†, and the fact that it has been maintained Algeria in pre-industrial state, there was inserted into capital industry in France certainty of safe outlets. † Another reason for which Algeria had a high position among the other colonies was the fact that in its territory over time moved large numbers of white French population. Algeria has evolved into a full-fledged part of the French political system and its representatives were elected to parliament. But the right to vote was granted only to French. Those local people soon came to be called â€Å"pieds noirs†. [7] The original inhabitants of Algeria on their long-fought right to vote, because I felt in such a situation as quasi residents of France. The radical changes in the position of Algerians took place after the World War II in connection with the growing desire for independence, allowing them to have granted the right to vote (although not equal, because pieds noirs had a voice with more weight) and least educated part of the population had the opportunity to get a full French citizenship. 8] Termination of the French colony of Algeria In the previous chapter I described coexistence of Algerians and French to be very problematic. I have several problems, which caused considerable dispute and the time when there was almost no change in the status of Algerian political life, not only in France but also Algeria itself, is began to show that such a system is no longer sustainable, and it will be necessary to significantly change if Algeria should remain part of France. Right from the beginning of this chapter I would like to say that France good moment for these changes missed and it also turned out. But when the opportune moment to change ever occurred? You could say that whole 19th century could be a suitable moment. Thus, at least from the perspective of Algeria and its people. It was the ethnic group that did not have any significant national sentiment. [9] Practically the only element was the belief of belonging. This could be due to the changes that the whole problem in the 20th century prevented. Also in Algiers created French civilizing influence foundations of political life and later inspired the emergence of internally differentiated nationalist movement†. For example, Ferhat Abbas, which was a pharmacist from the city of Setif, created movement during the 30-ties of 20th century that grew up in popularity and proclaimed the Algerian nationalist tendencies. But it is also necessary to take account of French foreign policy. Former French regime was very unstable and had enough problems with it to keep. Should such changes occurred, unlikely that it scandalized the French, who had their business interests in Algeria, not to mention the pieds-noirs who would lose their advantageous position in the society of this area. In addition, there was the pressure that France felt for its falling position in Europe. Picked up a new superpower like Russia, Italy and Germany. In the event that France acceded to such changes, it could be in those countries seen as weakness, despite the fact that it might endanger their own colonial rule.   Probably the last opportunity for reforms that would at least partially improve the position of Algerians in France arose after the World War I. It pointed to the weakening of France, but France did not have to worry about other European countries, especially the losers, since they would only hardly prevailed on some form of resistance. France has, however, even at this time other worries. After the war, the economy was heavily damaged and need to start it again and France with Great Britain gained at the expense of some Germany’s colonies, so focused on their mastery. At this time, France obviously missed the last opportunity to improve the status of Algerians and thus chance to keep Algeria as French. The beginnings of Algerians fighting for independence After the victory of the movement for democratic values was forbidden to create few other organizations that were more or less radical. But all have a common goal, to get rid of French domination of Algeria and the creation of an independent state. One of them was the Democratic Union of Algerian Manifesto. Its main representative of Ferhat Abbas, the program relied not only Algerian Manifesto, but also just the movement for the victory of democratic values, because according to him, this movement could become a way to ensure understanding of the Algerian thing in Europe. [11] All movement, which was created in 1954, however, overshadowed by creating Queues national liberation (the only QNL). And just a year of its formation could be considered as the beginning of the war in Algeria. It was a very radical movement, in which many faces associated other organizations fighting for independence. Conclusion Algeria was a 132 years under the rule. It was one of the most important French colonies, considered even as part of France, and the status of retail dependency. Achieved independence in 1962 as one of the last African States. Algeria retail trade and diplomatic relations, not only with neighboring Mediterranean countries, but also with France, which was signed by 57 of the Algerian government contracts for the friendship and alliance, recognized and confirmed the independence of Algeria. At the end of the 18th century, when all of Europe fought against France, this was precisely Algeria that France supplied the grain and money. Reply by France on this â€Å"friendship† and the alliance was in the 1830 launch of a war in Algeria. The end of the colonial system meant the absolute change for France. The country fell into a totally new environment and especially to a new position in the world. It was already weakened by the defeat and devastation of France in World War II. A disintegration of the colonial dominion that stretched practically worldwide its global impact on the backdrop of the Cold War, virtually minimized, which also led to the crisis and the subsequent change of the entire political system of the country. The course of decolonization, as I have described above, ran a very bloody way and subsequent development of the political system and political culture in Algeria practically impossible the establishment of closer relations. Subsequent years of Algerian independence was marked inclination towards the Soviet Union. In this time mode through mistrust and hostility to France and tried to legitimize and maintain its integrity. At the same time, like many other Arab countries in the 20th century took independence gave way and Algeria socialist system. That does not work. Malfunction causes of that are many. This may be a very unstable situation in the country, away from France, who was willing to freedom after coming to this North African countries continue to work, or too little help from the Soviet Union, from which the former leaders of Algeria expecting support material and political. Finally, in 1958, created the Republic of Algeria by the end of 1961, 32 countries of the world recognized. Ultrakolonialist uprising in 1961 was relatively easily defeated, and France was left to negotiate with other Algerians. [12] In March 1962 they were signed between the French government and the so-called Interim Government of Algeria. Evian agreements, which meant the ceasefire, the gradual evacuation of French troops and the full independence of Algeria. About This should finally decide referendum, which took place on 3 July 1962. 13] The French, however, continued to murder and destruction and a ceasefire. In September 1962 announced the creation of the Constituent Assembly of Algeria and the Democratic People’s Republic. In 1963, Algeria was introduced land reform, nationalization took place all objects abandoned by owners, a new constitution was approved by Congress and the National Liberation Fronts in 1964 was called. Algeria Algeria rebuilding Charter proclaimed in the spirit of socialism.

Operations Management Essays

Operations Management Essays Operations Management Essay Operations Management Essay Sunderland Business School Level: MModule: Operations Management Module Code: PGBM03Module Leader: Tom Cuthbertson Issue Date: 26th July 2011Return Date: 16th August 2011 Contribution to Module Assessment 100% This is an individual assignment. Work submitted must adhere to the University policy on Cheating, Collusion and Plagiarism. Introduction If Marketings function is to identify the needs of customers, then it is Operations Management which has the role of providing the required products or services in a way that satisfies the criteria imposed by the market. Efficient operation of this function is therefore important if the organisation is to be successful. An understanding of the main operational tasks is an essential starting point in this process. Assignment Select an organisation, or a department of an organisation, of which you have experience and critically assess the operational methods and strategies adopted to provide the product(s) in a way that give(s) maximum satisfaction to the customers or clients. A good answer will identify the criteria applied by the customer in assessing satisfaction i. e. the order-winning and order-qualifying criteria. You should a)define the principal operations tasks to satisfy these criteria b)analyse the process strategies and procedures employed to ensure that these tasks are carried out as effectively as possible. The organisation may not have an operations/production department defined in such terms, but it will still produce something for the use of somebody. The report, excluding appendices, should be not more than 3000 words in length. For your guidance, it will consist of: a)an introduction in which you say who the organisation is and what your and your department’ s contribution is to the organisation. )An accurate description of who the customers are they may be external or internal and what they expect from the output in terms of the broad market criteria discussed in the recommended text (Slack). From this, using the models in the text, you should be able to identify what the operations objectives are. This should then suggest the sort of process that ought to be operating. (The different process types and their ability to meet the range of operations objectives are explained at length in the module material). )You should then describe the process in these terms and explain how and why it helps or hinders in the achievement of the operations objectives i. e. its ability to supply a product which meets the customer’s needs. This is the essential analysis that shows your ability to apply the module content to your experience. d)Having analysed the process, describe what changes you feel ought to be made – if any – and explain why these are necessary in terms of improving the ability to meet the operations objectives. You may like to give some guidance on the feasibility of the changes, how they ought to be implemented, a cost benefit etc. etc. , where these are possible. Assessment Your work will be assessed against the following criteria: 1. Knowledge – Your work should show a knowledge of the module content. 2. Understanding – Your report should demonstrate an understanding of operations management. 3. Insight – Your report should show an ability to analyse the operation in the light of the module content and your own reading. 4. Clarity – Your report should be well structured and clearly presented. You should include a short list of references to support your observations and assertions. This assignment is intended to give you an opportunity to show that you are apable of applying your knowledge of operations management, not only in describing the issues faced by the organisation, but also in explaining them and justifying your proposed actions to improve them. You are invited to review all the models and concepts that we have discussed. Tom CuthbertsonModerated by Dr Tie Xu Module Leader PGBM03 Operations Management – Assignment Business Report Structure – 3000 words +/- 10% Size 12 font, spacing 1. 5, include word count. Report Presentation Front Sheet – Nam e / Student Number / Programme / Module / Date Table of Contents Introduction Main Body of Report – Analysis of theory and practice related to this organisation or company Conclusion and Recommendations References 10 to 20 Appendix – not included in word count Use Turnitin and submit Turnitin report with your hard copy of assignment. Typical distribution of word count could be; 500 words Introduction 2000 Main body analysis 500 Conclusion and Recommendations PGBM 03 Module Assessment Grading Criteria First Class (70 – 100%) A creative and original response to the assignment brief. Critically reflecting on perceived theory and experiences. Wide and appropriate use of sources (theory and practice) based on reading and experiences. Report written fluently, with evidence of a highly developed capacity to structure work systematically and argue logically. Merit (60 – 69%) Comprehensive knowledge of concepts and theories. Appropriate application of theory and experience to the assignment brief. Ability to inter-relate concepts and ideas. Some originality in approach and awareness of scope and limitations. Report systematically structured and coherent. (50-59%) Evidence of knowledge of concepts and theories. Attempts to relate and balance theory and practice. Main issues addressed appropriately. Mainstream texts and lecture notes used. Work presented in a structured form but arguments weak in places. (40-49%) Evidence of uncritical knowledge of main concepts and theories. Limited attempts to relate theory and practice relaying on personal opinion or assertions. Limited evidence of reading. Presentation and structure weak in several places. Fail (0 – 39%) Some knowledge of main concepts and theory but major omissions and / or misunderstandings. Style and structure weak and overly descriptive. Considerable limitations in ability to perceive the relationship of theory and practice. Limited reading.

Free Essays on Senior Citizens

Senior Citizen Driving 1. One day, not long ago...I came out of my house to leave for work. On the way to my car I noticed the little old lady across the street walking to here car with what appeared to be a phone book. To my surprise she laid the phone book down onto the seat and proceeded to climb in...I then decided to watch this rare occasion, since she only drives once a month or so. Well after a few minutes, she finally got her giant Cadillac started and began to back out of her drive way. She was backing up with one wheel one the drive way and one on the grass.... I felt this was a little humorous, and decided to watch her drive down the street. She cruised down the street at a top speed of 5 mph! After watching this I decided to go back into my house for a few more minutes just to be sure she was out of the area. The old people driving today pose a definite threat to everyone else’s safety. I recommend that we impose regulations that work to cease allowing old people to drive after they are unable to think for themselves. 2. Body Concern, particularly among "younger" drivers, about the number of "older" drivers on the roads and their driving abilities is already growing. Statistics, when calculated based on all people injured or killed in traffic crashes, may indicate that older drivers are at a disproportionate risk for becoming involved in fatal crashes. For example nationally, in 1995 senior citizens accounted for:  · 5% of all people injured in traffic crashes;  · 13% of all traffic fatalities;  · 13% of all vehicle occupant fatalities; and  · 18% of all pedestrian fatalities. Statistics show that in two-vehicle fatal crashes involving an older and a younger driver, it is 3.1 times as likely that the vehicle driven by the older person will be struck. In 27% of these two-vehicle fatal crashes the older driver was turning left. A. According to the Highway Traffic Safety Commission, Collision rates for ... Free Essays on Senior Citizens Free Essays on Senior Citizens Senior Citizen Driving 1. One day, not long ago...I came out of my house to leave for work. On the way to my car I noticed the little old lady across the street walking to here car with what appeared to be a phone book. To my surprise she laid the phone book down onto the seat and proceeded to climb in...I then decided to watch this rare occasion, since she only drives once a month or so. Well after a few minutes, she finally got her giant Cadillac started and began to back out of her drive way. She was backing up with one wheel one the drive way and one on the grass.... I felt this was a little humorous, and decided to watch her drive down the street. She cruised down the street at a top speed of 5 mph! After watching this I decided to go back into my house for a few more minutes just to be sure she was out of the area. The old people driving today pose a definite threat to everyone else’s safety. I recommend that we impose regulations that work to cease allowing old people to drive after they are unable to think for themselves. 2. Body Concern, particularly among "younger" drivers, about the number of "older" drivers on the roads and their driving abilities is already growing. Statistics, when calculated based on all people injured or killed in traffic crashes, may indicate that older drivers are at a disproportionate risk for becoming involved in fatal crashes. For example nationally, in 1995 senior citizens accounted for:  · 5% of all people injured in traffic crashes;  · 13% of all traffic fatalities;  · 13% of all vehicle occupant fatalities; and  · 18% of all pedestrian fatalities. Statistics show that in two-vehicle fatal crashes involving an older and a younger driver, it is 3.1 times as likely that the vehicle driven by the older person will be struck. In 27% of these two-vehicle fatal crashes the older driver was turning left. A. According to the Highway Traffic Safety Commission, Collision rates for ...

Pidgin and Creole Languages

Pidgin and Creole Languages Pidgin and Creole Languages Pidgin and Creole Languages By Maeve Maddox The word pidgin refers to a language used as a means of communication between people who do not share a common language. The word pidgin derives from a mispronunciation of the English word business. The term â€Å"Pidgin English† was first applied to the commercial lingua franca used in southern China and Melanesia, but now pidgin is a generic term that refers to any simplified language that has derived from two or more parent languages. When a pidgin develops into a more complex language and becomes the first language of a community, it is called a creole. Note: The word creole has racial applications, which are not addressed in this article. Creoles typically arise as the result of contact between the language of a dominant group and that of a subordinate group, as happened as the result of European trade and colonization. The earliest reference to a creole language is to a Portuguese-based creole spoken in Senegal. The vocabulary of a typical creole is supplied for the most part by the dominant language, while the grammar tends to be taken from the subordinate language. A pidgin is nobody’s natural language; a creole develops as a new generation grows up speaking the pidgin as its main language. The grammar of a creole usually remains simpler than that of the parent languages, but the new language begins to develop larger vocabularies to provide for a wider range of situations. Because of its distinctive use of verb tenses and other grammatical features, Black English is considered by many to be an English creole having British and American varieties. Haitian is a French creole. Unlike pidgins, creoles are complete natural languages that differ from standard dialects of the dominant parent language in pronunciation, grammar, and vocabulary. Some more examples of creole languages: French-based Louisiana Creole Mauritian Creole English-based Gullah (US Sea Islands) Jamaican Creole Guyanese Creole Hawaiian Creole More than one parent language Saramacca (SurinameEnglish and Portuguese) Sranan (SurinameEnglish and Dutch) Papiamentu (Aruba, Bonaire, Curaà §aoPortuguese and Spanish) Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Writing Basics category, check our popular posts, or choose a related post below:15 Terms for Those Who Tell the FutureConnotations of 35 Words for Funny PeopleSentence Adverbs

Reflection Paper Essay Example | Topics and Well Written Essays - 750 words - 17

Reflection Paper - Essay Example As per the release of the movie, most evident aspect of the happening is the music. The music is an evolvement from the past and tends to grow over time. There is the Broadway sound that the film creates that goes by the name of Tin Pan Alley. The term represents the structure of music that was the result of talented singers and composers such as Richard Rodgers. Besides, there are other notable types of songs that also appear in the film that are also remarkable. The other aspect of the film is the lyrics. The instance relates to the words that create the music. The words tend to graduate from the position of songs to more of works of poetry. The evidence to the fact is that the works of some of the song composers such as Cole porter’s lyrics that are quotations in many works of poetry anthologies around the globe. The songs tend to catch all the catchphrases, the sentiments, the words, as well as the stanzas. The music is also patriotic in some instances, rhapsodic in other cases, witty and risquà © in other instances. The time of production of the material in the film relates to a time when there was a need for the songs to be catchy and also provide service for the comedians and the dancers. However, by the 1930s, the role of the music was shifting towards greater significance that suits their lyrics. The music in turn took a different structure that would accomplish a more serious role. The primary structure would constitute a narrative that would form the backbone of the particular piece. The term that would describe the structure was libretto. As a result, the music had a great influence on the artistic field and the cultural practices. The film illustrates the importance of the music at to appoint where there is the need of a music director. The primary task of the director was to give shape to the production of quality music, and the also design the whole concept that each song reflects. Moreover, the director’s work is to

The case of Hauer vs. Union State Bank of Wautoma Research Paper

The case of Hauer vs. Union State Bank of Wautoma - Research Paper Example To change the entire Boiler 2. To repair the Boiler When the plumber had gone there to check for the boiler, he had informed his boss Barkley that the boiler needs to be replaced and not repaired. Let us analyse the facts to get a clearer understanding. â€Å"While inspecting the non-operating boiler at Chetum’s building, the plumber notices that the boiler is one that has been recalled by the manufacturer, Housewarm, because of a defect that does not allow all the carbon monoxide produced by the boiler to vent properly. This boiler was purchased by Chetum at a salvage yard and replaced another non-operating boiler. Further, the boiler has been improperly installed, according to the plumber. The plumber notifies Barkley of the problems with the boiler and Barkley immediately notifies Chetum. Chetum tells Barkley that he does not want to purchase a new boiler. He asks if the existing boiler can be fixed to get through the winter months. Barkley calls his plumber who is still a t the Chetum site and asks the plumber about a quick fix for the winter. The plumber tells Barkley he would not recommend the quick fix for the winter as this boiler is defective and has been recalled.† Looking at the facts, it can be directly inferred that the boiler which was in the building was defective and should have been replaced. However, to save costs and other expenditures, Chetum did not want that to happen and therefore asked for the boiler to be repaired. It is pertinent to note that the boiler which had been installed in the building was not only improperly installed but also was defective. Therefore there was an urgent need to replace the boiler, which was concurred by the plumber but not approved by Chetum. The question which arises right now is... The case of Hauer vs. Union State Bank of Wautoma One of the most fundamental principles of Contract Law is that an individual who is below the age of 18 cannot enter into contracts with other parties. This law also applies to situations which consist of an individual entering into contracts to represent a firm which has been established under law. Applying the law to the facts, we understand that Barkley was not eligible to enter into Contract with Chetum. Along with this, Barkley is not eligible to represent the firm of his father in his absence. Therefore, looking at the overall perspective of Contractual Obligations, Barkley could not have entered into a contract with any other party. In case a contract has been entered upon between a minor and some other party, then such contract happens to not be legally binding on the parties although the work of the contract may be carried out and performed by the parties. According to the facts taken hypothetically, Knarles was aware that his firm consisted of a number of plumbers whose lic enses had not been renewed in the current year, and in spite of that his firm had sent one of them to a client by the name of Chetum, to do the repair work. Looking at the facts of the case, it can be inferred that there was not material breach of fundamental breach of contract. On the contrary, there is a case of tortious negligence on the part of Chetum. Along with this, he entered into a contract with a minor. Keeping these two facts into account, there is no breach of contract.

Medium Research Methodology Paper Example | Topics and Well Written Essays - 1000 words

Medium Methodology - Research Paper Example A quantitative approach was adopted for this study. It was vital to impose primary demands on the data collection. This is in order to study and know how the British national newspapers have constructed ‘binge drinking’ as a social problem. The research study is primarily and mainly dealing with how have the British national newspapers constructed ‘binge drinking’ as a social problem and not generalized approaches (Iwere, 2010). Additionally, the relationships between the variables will be analyzed in great detail by the research. The analysis will include testing the variation effect within factors which influence the British national newspapers to construct ‘binge drinking’ as a social problem. The approach (quantitative) was the most suitable approach for the study since the research question required needed a statistical answer and solution. Critcher, (pg. 154) stated that a quantitative study approach is often characterized by statistical measurements and figures whereas a qualitative approach is best suited for research questions which require a descriptive solution and answer. The research focused on finding the coverage of a small sample of British newspapers on binge drinking. Consequently, a quantitative paradigm was used to collect data for the research because it is more relevant and suitable. This was made up of newspaper articles which were meant and aimed to illustrate the findings of the study from the perspective of the research participant. To satisfy the demands of depth, the need for detailed information or data about binge drinking and the British media necessitated the use of more newspaper articles. Also, the use of many articles enabled the study to come up with reliable results and information.

Could the US have won the Revolutionary war without foreign Essay

Could the US have won the Revolutionary war without foreign intervention - Essay Example The Americans needed support because of the logistical difficulties of a protracted war, and so France and Netherlands provided critical support that hastened the victory of the former. Weigley, in his book The American Way of War: A History of United States Military Strategy and Policy, explains the dire circumstances of General George Washington and he stresses that â€Å"military poverty† shaped Washington’s generalship.3 When the British arrived by sea in New York before the raid of Trenton, General William Howe had 31,625 soldiers from all ranks, where 24,464 were well-equipped and ready for battle.4 Aside from these troops, Howe also had ten ships, twenty frigates, hundreds of transport, and 10, 000 seamen.5 To defend New York, General Washington only had 19,000 people, with around 9,000 having military discipline and training.6 In addition, the Americans had no naval forces and limited land transports. Though Washington scored with the elimination of the Hessian garrison at Trenton, throughout the entire Revolutionary War period, he perennially faced the problem of the limited number of soldiers, resources, and money. The Revolutionary confederation and the weakening agricultural sector could not supply enough for these needs of the war. David McCullough dwells in 1776 on the role of the financial backing from France and the Netherlands as well as the support from the French army and navy.7 For him, they were offered critical help in hastening America’s victory instead of merely waiting for Britain to give up on the war or to wait for other foreign nations to realize that America’s independence would result in a greater balance of powers in Europe. If the Revolutionary War had extended due to the absence of foreign intervention, it would not have been impossible for Washington and his generals, as well as the American people who supported him, to maintain their strategies until Britain gave up on its American colonies. In the book A Shattered Nation: The Rise and Fall of the Confederacy, 1861-1868, Rubin expresses the will of the American people to support the war. She mentions letters circulating among the masses, who knew that the revolutionary forces must somehow show some power enough to â€Å"overthrow† the British before foreign nations would start acknowledging America as an independent nation that they should support through money or troops or both.8 The people, as well as Washington and the generals, resisted the idea of becoming a colony once more, especially when they realized that they could be finally freed from the abusive taxation and other oppressive policies of Britain.9 McCullough stresses, nevertheless, that â€Å"†¦it was Washington and the army that won the war for American Independence†¦Ã¢â‚¬ 10 These historians understood the tenacity of the American army in forcing on through their guerilla tactics and attacking Britain where it was at its weakest, specifically in land battles. Other scholars insisted that America could not have won the war without foreign support. In â€Å"

Characterisation material physical properties of porous materials Article

Characterisation material physical properties of porous materials - Article Example According to this theory, three different kinds of waves propagate within the porous material. One is the compression wave propagating in the fluid phase, the second is the compression wave travelling in the solid phase, and the third is the shear wave propagating in the solid phase (Pan & Jackson). The Biot model for predicting sound propagation in porous materials is based on five material properties, also called Biot parameters, of the material. These five parameters include the porosity of the material, its airflow resistivity, tortuosity, thermal characteristic length, and viscous characteristic length. The present review discusses the current methods for measuring and predicting these five Biot parameters. 2 Material Physical Properties in Biot Theory This section details the characterization of the material physical properties, i.e. the five Biot parameters, of porous materials. A review of the properties themselves along with the methods for measuring and predicting them is p resented. 2.1 Porosity (?) The porosity of a material is the â€Å"relative fraction, by volume, of the air contained within the material† (Fellah et al. 2003, p. 296). ... Other non-destructive methods have been applied for the estimation of porosity. Beranek (cited in Leclaire et al. 2003) gave a very simple method, in which the porous material is saturated with water and placed in an airtight chamber that is linked to a manometer. This method was based on Boyle’s law and was helpful in estimating the open porosity of the material having surfaces with open-pores. Another method that utilised Beranek’s principle was that by Champoux et al. (cited in Leclaire et al. 2003), which had a very elaborate system involving a micrometer and a differential pressure transducer. Recently, many different methods have been proposed and applied by various investigators to measure the porosity of materials. For instance, the method by Connolly (cited in Yang 2011) uses a thermographic method. In this method, the correlation between porosity and thermal diffusivity is derived by analysing the heat diffused in the sample upon heating with a laser. Other me thods include the use of X-ray computed tomography, microwaves etc to measure porosity. ASTM D6226-05 test standard describes another method that uses a gas pycnometer for measuring porosity (Pan & Jackson 2009). This method uses an apparatus consisting of calibrated expansion and sample chambers. The porous sample is placed in the sample chamber and subjected to a certain predetermined increase in pressure. This method is also based on Boyle’s law and measures the open pore volume of the sample. Another method given by Salissou and Panneton (cited in Pan & Jackson 2009) was based on the experimental determination of the solid phase volume of the material. Four tests for measuring the masses with and without the sample at

Could the US have won the Revolutionary war without foreign Essay

Could the US have won the Revolutionary war without foreign intervention - Essay Example The Americans needed support because of the logistical difficulties of a protracted war, and so France and Netherlands provided critical support that hastened the victory of the former. Weigley, in his book The American Way of War: A History of United States Military Strategy and Policy, explains the dire circumstances of General George Washington and he stresses that â€Å"military poverty† shaped Washington’s generalship.3 When the British arrived by sea in New York before the raid of Trenton, General William Howe had 31,625 soldiers from all ranks, where 24,464 were well-equipped and ready for battle.4 Aside from these troops, Howe also had ten ships, twenty frigates, hundreds of transport, and 10, 000 seamen.5 To defend New York, General Washington only had 19,000 people, with around 9,000 having military discipline and training.6 In addition, the Americans had no naval forces and limited land transports. Though Washington scored with the elimination of the Hessian garrison at Trenton, throughout the entire Revolutionary War period, he perennially faced the problem of the limited number of soldiers, resources, and money. The Revolutionary confederation and the weakening agricultural sector could not supply enough for these needs of the war. David McCullough dwells in 1776 on the role of the financial backing from France and the Netherlands as well as the support from the French army and navy.7 For him, they were offered critical help in hastening America’s victory instead of merely waiting for Britain to give up on the war or to wait for other foreign nations to realize that America’s independence would result in a greater balance of powers in Europe. If the Revolutionary War had extended due to the absence of foreign intervention, it would not have been impossible for Washington and his generals, as well as the American people who supported him, to maintain their strategies until Britain gave up on its American colonies. In the book A Shattered Nation: The Rise and Fall of the Confederacy, 1861-1868, Rubin expresses the will of the American people to support the war. She mentions letters circulating among the masses, who knew that the revolutionary forces must somehow show some power enough to â€Å"overthrow† the British before foreign nations would start acknowledging America as an independent nation that they should support through money or troops or both.8 The people, as well as Washington and the generals, resisted the idea of becoming a colony once more, especially when they realized that they could be finally freed from the abusive taxation and other oppressive policies of Britain.9 McCullough stresses, nevertheless, that â€Å"†¦it was Washington and the army that won the war for American Independence†¦Ã¢â‚¬ 10 These historians understood the tenacity of the American army in forcing on through their guerilla tactics and attacking Britain where it was at its weakest, specifically in land battles. Other scholars insisted that America could not have won the war without foreign support. In â€Å"

Assignment Example | Topics and Well Written Essays - 250 words - 260

Assignment Example ns and behavior making them more prone to ADHD.† Furthermore, students who used social networking sites while studying scored 20% lower on tests and students who used social media had an average GPA of 3.06 versus non-users who had an average GPA of 3.82.† This clearly means that social media, especially Facebook distracts students in school when they should be more focused in academics. With so many games and applications, Facebook also distraught students by constantly sending them game and notification invites. It is clear that social media usage amongst teens is prevalent and needs to be stopped. Social media has been a deterrent factor for young adults because they lose concentration as depicted in the article. One of the most prominent issues in this realm is the idea of security. It is clear that the notion of privacy still haunts organizations. I think Facebook needs a proper protocols to stop notifications or a timer that will stop comments for a certain time. Moreover, Facebook lacks the adequate security protocols for users because it enables users information to be prevalent, which can cause child stalkers to target young victims. In today’s society, universities and employers continue to browse through Facebook profiles to gain a better understanding of their prospect employees. Undoubtedly, Facebook fails to stop the distractions that continue to plague young

A Brief History of English and American Literature Essay Example for Free

A Brief History of English and American Literature Essay The Norman conquest of England, in the 11th century, made a break in the natural growth of the English language and literature. The old English or Anglo−Saxon had been a purely Germanic speech, with a complicated grammar and a full set of inflections. For three hundred years following the battle of Hastings. this native tongue was driven from the kings court and the courts of law, from parliament, school, and university. During all this time there were two languages spoken in England. Norman French was the birth−tongue of the upper classes and English of the lower. When the latter finally got the better in the struggle, and became, about the middle of the 14th century, the national speech of all England, it was no longer the English of King Alfred. It was a new language, a grammarless tongue, almost wholly {12} stripped of its inflections. It had lost a half of its old words, and had filled their places with French equivalents. The Norman lawyers had introduced legal terms; the ladies and courtiers, words of dress and courtesy. The knight had imported the vocabulary of war and of the chase. The master−builders of the Norman castles and cathedrals contributed technical expressions proper to the architect and the mason. The art of cooking was French. The naming of the living animals, ox, swine, sheep, deer, was left to the Saxon churl who had the herding of them, while the dressed meats, beef, pork, mutton, venison, received their baptism from the table−talk of his Norman master. The four orders of begging friars, and especially the Franciscans or Gray Friars, introduced into England in 1224, became intermediaries between the high and the low. They went about preaching to the poor, and in their sermons they intermingled French with English. In their hands, too, was almost all the science of the day; their medicine, botany, and astronomy displaced the old nomenclature of leechdom, wort−cunnin g, and star−craft. And, finally, the translators of French poems often found it easier to transfer a foreign word bodily than to seek out a native synonym, particularly when the former supplied them with a rhyme. But the innovation reached even to the commonest words in every−day use, so that voice drove out steven, poor drove out earm, and color, use, and place made good their footing beside hue, {13}wont, and stead. A great part of the English words that were left were so changed in spelling and pronunciation as to be practically new. Chaucer stands, in date, midway between King Alfred and Alfred Tennyson, but his English differs vastly more from the formers than from the latters. To Chaucer Anglo−Saxon was as much a dead language as it is to us. The classical Anglo−Saxon, moreover, had been the Wessex dialect, spoken and written at Alfreds capital, Winchester. When the French had displaced this as the language of culture, there was no longer a â€Å"kings English† or any literary standard. The sources of modern standard English are to be found in the East Midland, spoken in Lincoln, Norfolk, Suffolk, Cambridge, and neighboring shires. Here the old Anglian had been corrupted by the Danish settlers, and rapidly threw off its inflections when it became a spoken and no longer a written language, after the Conquest. The West Saxon, clinging more tenaciously to ancient forms, sunk into the position of a local dialect; while the East Midland, spreading to London, Oxford, and Cambridge, became the literary English in which Chaucer wrote. The Normans brought in also new intellectual influences and new forms of literature. They were a cosmopolitan people, and they connected England with the continent. Lanfranc and Anselm, the first two Norman archbishops of Canterbury, were learned and splendid prelates of a {14} type quite unknown to the Anglo−Saxons. They introduced the scholastic philosophy taught at the University of Paris, and the reformed discipline of the Norman abbeys. They bound the English Church more closely to Rome, and officered it with Normans. English bishops were deprived of their sees for illiteracy, and French abbots were set over monasteries of Saxon monks. Down to the middle of the 14th century the learned literature of England was mostly in Latin, and the polite literature in French. English did not at any time altogether cease to be a written language, but the extant remains of the period from 1066 to 1200 are few and, with one exception, unimportant. After 1200 English came more and more into written use, but mainly in translations, paraphrases, and imitations of French works. The native genius was at school, and followed awkwardly. The Anglo−Saxon poetry, for example, had been rhythmical and alliterative. It was commonly written in lines containing four rhythmical accents and with three of the accented syllables alliterating. R_este hine thà ¢ r_à ºm−heort; r_à ©ced hlifade G_eà ¡p and g_à ³ld−fà ¢h, gà ¤st inne swà ¤f. Rested him then the great−hearted; the hall towered Roomy and gold−bright, the guest slept within. This rude energetic verse the Saxon scà ´p had sung to his harp or glee−beam, dwelling on the {15} emphatic syllables, passing swiftly over the others which were of undetermined number and position in the line. It was now displaced by the smooth metrical verse with rhymed endings, which the French introduced and which our modern poets use, a verse fitted to be recited rather than sung. The old English alliterative verse continued, indeed, in occasional use to the 16th century. But it was linked to a forgotten literature and an obsolete dialect, and was doomed to give way. Chaucer lent his great authority to the more modern verse system, and his own literary models and inspirers were all foreign, French or Italian. Literature in England began to be once more English and truly national in the hands of Chaucer and his contemporaries, but it was the literature of a nation cut off from its own past by three centuries of foreign rule. The most noteworthy English document of the 11th and 12th centuries was the continuation of the Anglo−Saxon chronicle. Copies of these annals, differing somewhat among themselves, had been kept at the monasteries in Winchester, Abingdon, Worcester, and elsewhere. The yearly entries were mostly brief, dry records of passing events, though occasionally they become full and animated. The fen country of Cambridge and Lincolnshire was a region of monasteries. Here were the great abbeys of Peterborough and Croyland and Ely minster. One of the earliest English songs tells how the savage heart of the Danish {16} king Cnut was softened by the singing of the monks in Ely. Merie sungen muneches binnen Ely Tha Cnut chyning reu ther by; Roweth, cnihtes, noer the land, And here we thes muneches sang. It was among the dikes and marshes of this fen country that the bold outlaw Hereward, â€Å"the last of the English,† held out for some years against the conqueror. And it was here, in the rich abbey of Burch or Peterborough, the ancient Medeshamstede (meadow−homestead) that the chronicle was continued for nearly a century after the Conquest, breaking off abruptly in 1154, the date of King Stephens death. Peterborough had received a new Norman abbot, Turold, â€Å"a very stern man,† and the entry in the chronicle for 1170 tells how Hereward and his gang, with his Danish backers, thereupon plundered the abbey of its treasures, which were first removed to Ely, and then carried off by the Danish fleet and sunk, lost, or squandered. The English in the later portions of this Peterborough chronicle becomes gradually more modern, and falls away more and more from the strict grammatical standards of the classical Anglo−Saxon. It is a most valuable historical monument, and some passages of it are written with great vividness, notably the sketch of William the Conqueror put down in the year of his death (1086) by one who had â€Å"looked upon him and at another time dwelt in his court.† {17} â€Å"He who was before a rich king, and lord of many a land, he had not then of all his land but a piece of seven feet. . . . Likewise he was a very stark man and a terrible, so that one durst do nothing against his will. . . . Among other things is not to be forgotten the good peace that he made in this land, so that a man might fare over his kingdom with his bosom full of gold unhurt. He set up a great deer preserve, and he laid laws therewith that whoso should slay hart or hind, he should be blinded. As greatly did he love the tall deer as if he were their father.† With the discontinuance of the Peterborough annals, English history written in English prose ceased for three hundred years. The thread of the nations story was kept up in Latin chronicles, compiled by writers partly of English and partly of Norman descent. The earliest of these, such as Ordericus Vitalis, Simeon ofDurham, Henry of Huntingdon, and William of Malmesbury, were contemporary with the later entries of the Saxon chronicle. The last of them, Matthew of Westminster, finished his work in 1273. About 1300 Robert, a monk of Gloucester, composed a chronicle in English verse, following in the main the authority of the Latin chronicles, and he was succeeded by other rhyming chroniclers in the 14th century. In the hands of these the true history of the Saxon times was overlaid with an ever−increasing mass of fable and legend. All real knowledge of the period {18} dwindled away until in Capgraves Chronicle of England, written in prose in 1463−64, hardly any thing of it is left. In history as in literature the English had forgotten their past, and had turned to foreign sources. It is noteworthy that Shakspere, who borrowed his subjects and his heroes sometimes from authentic English history, sometimes from the legendary history of ancient Britain, Denmark,and Scotland, as in Lear, Hamlet, and Macbeth, ignores the Saxon period altogether. And Spenser, who gives in his second book of the Faerie Queene, a resumà © of the reigns of fabulous British kings—the supposed ancestors of Queen Elizabeth, his royal patron—has nothing to say of the real kings of early England. So completely had the true record faded away that it made no appeal to the imaginations of our most patriotic poets. The Saxon Alfred had been dethroned by the British Arthur, and the conquered Welsh had imposed their fictitious genealogies upon the dynasty of the conquerors. In the Roman de Rou, a verse chronicle of the dukes of Normandy, written by the Norman Wace, it is related that at the battle of Hastings the French jongleur, Taillefer, spurred out before the van of Williams army, tossing his lance in the air and chanting of â€Å"Charlemagne and of Roland, of Oliver and the peers who died at Roncesvals.† This incident is prophetic of the victory which Norman song, no less than Norman arms, was to win over England. The lines which Taillefer {19} sang were from the Chanson de Roland, the oldest and best of the French hero sagas. The heathen Northmen, who had ravaged the coasts of France in the 10th century, had become in the course of one hundred and fifty years, completely identified with the French. They had accepted Christianity, intermarried with the native women, and forgotten their own Norse tongue. The race thus formed was the most brilliant in Europe. The warlike, adventurous spirit of the vikings mingled in its blood with the French nimbleness of wit and fondness for display. The Normans were a nation of knights−errant, with a passion for prowess and for courtesy. Their architecture was at once strong and graceful. Their women were skilled in embroidery, a splendid sample of which is preserved in the famous Bayeux tapestry, in which the conquerors wife, Matilda, and the ladies of her court wrought the history of the Conquest. This national taste for decoration expressed itself not only in the ceremonious pomp of feast and chase and tourney, but likewise in literature. The most characteristic contribution of the Normans to English poetry were the metrical romances or chivalry tales. These were sung or recited by the minstrels, who were among the retainers of every great feudal baron, or by the jongleurs, who wandered from court to castle. There is a whole literature of these romans d aventure in the Anglo−Norman dialect of French. Many of them are {20} very long—often thirty, forty, or fifty thousand lines—written sometimes in a strophic form, sometimes in long Alexandrines, but commonly in the short, eight−syllabled rhyming couplet. Numbers of them were turned into English verse in the 13th, 14th, and 15th centuries. The translations were usually inferior to the originals. The French trouvere (finder or poet) told his story in a straight−forward, prosaic fashion, omitting no details in the action and unrolling endless descriptions of dresses, trappings, gardens, etc. He invented plots and situations full of fine possibilities by which later poets have profited, but his own handling of them was feeble and prolix. Yet there was a simplicity about the old French language and a certain elegance and delicacy in the diction of the trouveres which the rude, unformed English failed to catch. The heroes of these romances were of various climes: Guy of Warwick, and Richard the Lion Heart of England, Havelok the Dane, Sir Troilus of Troy, Charlemagne, and Alexander. But, strangely enough, the favorite hero of English romance was that mythical Arthur of Britain, whom Welsh legend had celebrated as the most formidable enemy of the Sassenach invaders and their victor in twelve great battles. The language and literature of the ancient Cymry or Welsh had made no impression on their Anglo−Saxon conquerors. There are a few Welsh borrowings in the English speech, such as bard and druid; but in the old Anglo−Saxon literature there are {21} no more traces of British song and story than if the two races had been sundered by the ocean instead of being borderers for over six hundred years. But the Welsh had their own national traditions, and after the Norman Conquest these were set free from the isolation of their Celtic tongue and, in an indirect form, entered into the general literature of Europe. The French came into contact with the old British literature in two places: in the Welsh marches in England and in the province of Brittany in France, where the population is of Cymric race and spoke, and still to some extent speaks, a Cymric dialect akin to the Welsh. About 1140 Geoffrey of Monmouth, a Benedictine monk, seemingly of Welsh descent, who lived at the court of Henry the First and became afterward bishop of St. Asaph, produced in Latin a so−called Historia Britonum in which it was told how Brutus, the great grandson of Aeneas, came to Britain, and founded there his kingdom called after him, and his city of New Troy (Troynovant) on the site of the later London. An air of historic gravity was given to this tissue of Welsh legends by an exact chronology and the genealogy of theBritish kings, and the author referred, as his authority, to an imaginary Welsh book given him, as he said, by a certain Walter, archdeacon of Oxford. Here appeared that line of fabulous British princes which has become so familiar to modern readers in the plays of Shakspere and the poems of Tennyson: Lear and his {22} three daughters; Cymbeline, Gorboduc, the subject of the earliest regular English tragedy, composed by Sackville and acted in 1562; Locrine and his Queen Gwendolen, and his daughter Sabrina, who gave her name to the river Severn, was made immortal by an exquisite song in Miltons Comus, and became the heroine of the tragedy of Locrine, once attributed to Shakspere; and above all, Arthur, the son of Uther Pendragon, and the founder of the Table Round. In 1155 Wace, the author of the Roman de Rou, turned Geoffreys work into a French poem entitled Brut d Angleterre, â€Å"brut† being a Welsh word meaning chronicle. About the year 1200 Waces poem was Englished by Layamon, a priest of Arley Regis, on the border stream of Severn. Layamons Brut is in thirty thousand lines, partly alliterative and partly rhymed, but written in pure Saxon English with hardly any French words. The style is rude but vigorous, and, at times, highly imaginative. Wace had amplified Geoffreys chronicle somewhat, but Layamon made much larger additions, derived, no doubt, from legends current on the Welsh border. In particular the story of Arthur grew in his hands into something like fullness. He tells of the enchantments of Merlin, the wizard; of the unfaithfulness of Arthurs queen,Guenever; and the treachery of his nephew, Modred. His narration of the last great battle between Arthur and Modred; of the wounding of the king—â€Å"fifteen fiendly wounds he had, one might in the least {23} three gloves thrust—†; and of the little boat with â€Å"two women therein, wonderly dight,† which came to bear him away to Avalun and the Queen Argante, â€Å"sheenest of all elves,† whence he shall come again, according to Merlins prophecy, to rule the Britons; all this left little, in essentials, for Tennyson to add in his Death of Arthur. This new material for fiction was eagerly seized upon by the Norman romancers. The story of Arthur drew to itself other stories which were afloat.

A Radical Rethinking of the Way to Fight Global Poverty

A Radical Rethinking of the Way to Fight Global Poverty At an early age, authors Abhijit and Esther knew already that poverty existed. Through stories and observation, they were aware about the situation yet these did not satisfied them instead it motivated them to study, to enhance their knowledge and understand why poverty is such a problem that eliminating it is very difficult. The two authors have lots of question and because of that they made this book Poor Economic: A radical rethinking of the way to fight global poverty. Affected by outstanding generalization with the undisclosed frontline solutions about poverty and economics, the authors plead to several opinions and investigation to check on how poor managed to fight poverty. They were very concerned about the situation and wishes to let us see the other side of eliminating poverty. In addition to that, why does poor people cannot entirely get away with the problem despite the full efforts of the government of technologically advanced countries and private organization? There ar e a lot of solutions but it is not completely effective or not the answer that the people really need. Spanning five continents to find solution, authors engaged in research for 15 years to investigate about global poverty and illuminate many practical and cost effective ways on fighting it. Through the years, I have always known that poverty is not a secret and is very rampant all over the world. Up to the present time and with everyone helping, why is it still there? Covering many valuable issues, this book is a great way to understand and discover the problems that many countries experience that may or may not contribute to poverty. This is a must-read book for all those people who cares about poverty, its nature and the people who is suffering from it. There are a lot of factors to consider when we tackle about poverty. A lot of issues that needs to be uncovered and solutions that needs to be evaluated over and over again to ensure its effectivity. In this book review, I am hoping that I can give justice to what these author is trying to say and giving my own opinion on the things they have discovered. My teacher told me that economics is a positive change in the fall of the production of goods and services of a certain country. I believe that it means equity, equali ty, in equilibrium with the supply and demand. Although there is a positive rise and fall in one country, it doesn’t mean that everyone or every nation are able to experience that. One country may have all the resources while others don’t have even just a clean water to drink. How can one place have an equilibrium when it actually has a little resources that affects the supply for every demand? It is in that manner that poverty really becomes a problem. The book helps us to understand why poor needs to borrow in order to save, although their children go to school they often do not learn, they miss out on free life-saving immunizations as well as paying drugs that they do not need and living on 99 cents a day. Battling poverty needs patience, careful thinking and willingness to learn. In the book, poverty trap was mentioned. As an example, poor countries are poor because they are hot, infertile, malaria infested and often land locked making it hard for the people to be productive without an initial large investment to help them deal with these endemic problems thus lack of modern technologies to help them progress. Coupled with having no possible resources for funding and payment for the ventures, these contribute in worsening poverty. I believe it is true because how can you start saving when you even can’t find a way to find income sources. A person can’t plant in an infertile soil so he has no products to sell and no investors that will finance a business providing loads of work for the local helping them earn a living. No access to good education is also stated in this book. In reality, education is a vital requirement find a decent job and make a living for yourself and for the family. As a solution foreign aid was mentioned to be the key. Billions of aid funds are being used to fight poverty, yet very small amount of work had been completed in analyzing their outcomes. Does foreign aid really help the poor countries? Is it enou gh? Based on what I have seen in the past years, there are people who really strive in working for a better life but the resources are really not enough making difficult for them to really earn enough to sustain their daily needs and wants. Indeed, some poor people managed to have their own stories of success in starting businesses but sadly it never went high enough to provide jobs to other individuals. Some have businesses but does not make much money. Although, they have monthly income but there are also a lot of deductions such as rent, daily expenses for food and other needs of the family which make it hard for them to really save. These results to unavailability of purchasing stocks for their store leading to bankruptcy. So a portion of the cause why businesses of the poor don’t grow is the nature of the businesses they operate and how they handle their profit. For the past years, foreign aid helped a lot of people all over the world making it one of the important solut ions in fighting poverty. Undoubtedly, the most significant goal why nations seek out and agree to take foreign aid is for the purpose of economic progress. Developed Countries are considered to have a moral obligation to help and to assist the poorer countries to have a sustainable progressive lives. Other advantage of foreign aid is the improvement of health through delivery of health teachings, medicines and equipment. Receiving money for investment from developed countries supports to produce more jobs for the people, improved infrastructure, and stabilize their economy. Foreign aid has other advantages, such as fighting hunger, saving lives and providing civilians with shelters, clean water and medicine. Although it is quite easy to believe that, some people argue the capability of foreign aid to really help combat the insufficiency in food, shelter, job and other resources needed by the poor individuals. Foreign aid’s usefulness is usually unassessed or even though it is being assessed, the approached may sometimes not convincing at all. Some also argue that it prevents people to search for their own solution. It makes sense that because of foreign aid, some people tend to wait for rich countries to help without even trying to search for possible solutions. It builds a culture of dependency that is keeping poverty difficult to fight and as a result poor remains poor. Aside from that, anti-aid people does not believe about the presence of poverty trap which I do not agree. Indeed, there is a presence of different views which I think both have point to share. An inconvenience of foreign aid is a higher percentage of dependency from the rich nations. The leaders of poor countrie s that accept aid gains reliance on a secured movement where they can support the people of their nation, they can also put money to other areas of the country which require funding. Foreign help can also be used to situate poor nations in political or economic pressure leading to being in debt with the supporting country. What could be really the effective way to abolish poverty? Moreover, solutions come with problem like for example, the reluctance to take risk and difficulty in trusting a possible investor, the poor wasted an opportunity. As mentioned in this book, poor nations usually have a very large family size. Absence of family planning and access to contraception methods in overpopulated families makes fighting poverty difficult. As a result, many experienced increase financial burden leading to low education rates and medical care. Politicians all over the world, private citizen, economists and every people who are trying to help, fail to recognize the exceptional reasons that lead to poverty for example attempting to erase it that usually attempts to eradicate it are usually foolish. Contrary to what we think, poor individuals need more of something than just food or money. In reality, the poor need programs that allows them to have a chance to succeed and fight poverty. To support that statement, I strongly agree to give these individuals the necessary opportunities, lots of them, yet they still need to work for it. In addition to that, I consider poverty a weakness but not a disability that will weaken your spirit in doing something for yourself. For example, if your land is infertile, sight other resources that you may use aside from that useless land. I strongly believe that all problems have their own sets of solutions, it’s a matter of discovery and resourcefulness. Besides many people are trying their best to help and give support to each individual who are suffering. The book is designed to answer questions and help us understand why fighting poverty is not easy. It tackled a lot of solutions not being used or understand properly. Helping through funding is good as long as choosing the right kind of project will be prioritize. For example food for the indigent, pensions for the elderly and clinics for the diseased infected areas where everyone making sure figuring how best to run it. Deciding on helping the less fortunate when we can will make a difference, understanding that poverty is merely not just having money but not really having enough capability in realizing their full potential as a human being are just some realization I have learned from this book. I believe there are a lot of things to be considered and properly planned to ensure that what we think poor people needs is really what they are needing. Aside from that, both public and private actions should be done. In addition, proper planning for more accessible pathways should really be considered for every poverty causing factors. For education, the government should have encouragement programs to ensure parents compliance in making their children go to school. Roadways should be accessible and safe for everyone especially for the students. Free education is really a big help and should be instilled its importance to the poor. Funding health teachings through seminars, conference, and house to house visit about family planning is a must also. Everyone has the right to progress and poverty is just an obstacle. Although it is very hard but I believe everything has solution that still needs to be discovered in the near future that will really eradicate poverty completely. As long as everyone will help one another genuinely and the presence of the people who takes time to study and search for an answer, it will never be that far. In correlation, I believe that poor people in poor nations should also do something for themselves and merely not accept the fact that th ey are poor, they must not just wait for us to give something or help them to achieve something for themselves. They must acquire valuing their own strength and actions in order to realize that absence of action there is no development. Development needs skills and cleverness, when inhabitants feel safe and assured adequately, they will invest in their kids and let them leave home to get new occupations in the metropolis. These possibilities might be wrong but trying to do these will develop the lives of the deprived and merely not waiting for economic evolution which remains unbearable. To the degree that we distinguish how to get rid of poverty, there is no purpose to endure the waste of lives and ability that poverty passes with it. As this book presented, even though we have no charmed potions to wipe out poverty, we do recognize a number of things about how to develop the poor people’s lives.

Comparing Song of Roland, The Life Story of Pavlichenko, and The Prince :: Comparison Compare Contrast Essays

Comparing Song of Roland, The Life Story of Pavlichenko, and The Prince Abstract: By evaluating different approaches of rulers to their vassals, in The Song of Roland and The Life Story of Pavlichenko, Matvey Rodionych, it is shown that Machiavelli made a mistake when he came up with his general rule: â€Å"It is much safer to be feared than loved, if hi is to fail in one of the two.† (Machiavelli, 54). Darwin explained in his theory of natural selection, which primarily explains evolution, however also can be applied to any other situation in which sustainability is the primary concern as in ruler – vassal relationships, that only the strongest survived. Disregarding this fact Machiavelli came up with a false theory. Charlemagne is loved and succeeds, and only when hated he gets in danger. Nikitinsky is feared and dies. Both stories suit the condition of Machiavelli’s rule, and still it fails. When Darwin came up with his theory of natural selection, he explained why rulers, once they have acquired power, behave in a certain way that, to their belief, sustains their position. 1 Approximately 350 years earlier, Niccolà ² Machiavelli formulated a set of rules which was supposed to support rulers, in his case the prince of Milan, in doing so. One of his rules is: â€Å"It is much safer for a ruler to be feared than loved, if he is to fail in one of the two†(Machiavelli, 54). Juxtaposing The Song of Roland and The Life Story of Pavlichenko, Matvey Rodionych, two stories written on the bases of Ruler – Vassal relations, it becomes doubtful whether Machiavelli’s theory can be taken as cornerstone for any ruler’s principles. The theory of natural selection is widely accepted and will therefore be taken as fact in this argument. Darwin states in his theory that only the strongest survive. That suggests that a ruler’s position is only sustainable if he is stronger than his subjects and adversaries. Stronger in this case can be both, physically for example through armed forces or even physical strength, and psychologically for example through the use of superior rhetoric or wit. In most cases however, a combination of both will be necessary. In examining the relation of the ruler to his vassals, it is just as important to take into account other goals the ruler might have besides sustaining his position. His priority might also be the general well-being and the continuous development of his

Term Paper on Ddbl Mobile Banking. Chittagong Cantonment Public College.

————————————————- 1. 0 Introduction Dutch-Bangla Bank Limited (DBBL) has for the first time introduced its mobile banking service expanding the banking service from cities to remote areas. â€Å"Mobile banking is an alternative to the traditional banking through which banking service can be reached at the doorsteps of the deprived section of the society,† ————————————————- 1. 1 Origin of the Report This report is an outcome of one month Chittagong Cantonment Public College program prepared as the requirement of BBA program of the school of Business.The work on this report was carried out as Field based Report writing and presentation program on Dutch-Bangla Bank Mobile Banking in Bangladesh at the Mobile Banking Office, Agrabad MB Office, Shah Amir Plaza(1s tFloor),534/535, Sheikh Mujib Road Agrabad , Chittagong. This report is assigned and approved by academic supervisor Mr. Mohammed Abu Taher, Lecturer, Department of Business Administration, Chittagong Cantonment Public College. The report is entitled as Field based Report writing and presentation program on Dutch-Bangla Bank Mobile Banking in Bangladesh. ————————————————- . 2 Objective of the study 1. To prepare a formal study on Mobile Banking System in the perspective of Bangladesh. 2. To know the acceptability level of transaction by Mobile Banking by rural people. 3. To find out the way of increasing the operational area of Mobile Banking in Bangladesh. 4. To identify the level of security and confidentiality of Mobile Banking in Bangladesh. 5. To find out the reasons of backwardness of Mobile Banking in rural area of Bangladesh. 6. To find out the remedies of the prob lems to implement mobile banking for rural people ————————————————- . 3 Methodology of the study The methodology exercised for this study is as follows: Types of Data: For this study both primary and secondary data has been used. a) Primary Source: Primary data have been collected form general people and user of cell phone and bank users. In order to collect the detail data, participatory observation method has also been used. b) Secondary Source: Beside primary data, necessary secondary data have been collected from the Newspapers, websites, textbooks, research articles, government publications and various published research works on mobile banking. ———————————————— 1. 4 Limitations of the study Maximum effort was given to make the study a successful one, but it suffers from some limitation those were apparently unavoidably. The major ones were: ? Shortage of time period: The major limitation faced to carry out this project was mainly time constraints. The time constraint of the study hindering the course of vast area and time for preparing a report within the mentioned period is really difficult. ? Secrecy of Management: The authority of DBBL did not disclose much information for keeping the organization confidential.They have restriction to disclose some secrete information to other. So, some data could not been collected for confidentiality or secrecy of management. ? Green field sector: One of the major limitations of this report is that no previous study is done before. So, secondary information was scarce. ? Busy working environment: The officials had some times been unable to provide information because of their huge routine work. That is why we do not gather vast knowledge about the critical issues. It is really difficult to gather data from the place where people do not know me for a long time. Lack of information: In the website, Mobile banking related information was limited. ————————————————- 2. 0 Organizational overview DBBL was the first bank in Bangladesh to be fully automated. The Electronic-Banking Division was established in 2002 to undertake rapid automation and bring modern banking services into this field. Full automation was completed in 2003 and hereby introduced plastic money to the Bangladeshi masses. DBBL also operates the nation's largest ATM fleet and in the process drastically cut consumer costs and fees by 80%.Moreover, DBBL choosing the low profitability route for this sector has surprised many critics. DBBL had pursued the mass automation in Banking as a CSR activity and never intended profitability from this sector. As a result it now provides unrivaled banking technology of ferings to all its customers. Because of this mindset, most local banks have joined DBBL's banking infrastructure instead of pursuing their own. Even with a history of hefty technological investments and an even larger donations, consumer and investor confidence has never waned.Dutch-Bangla Bank stock set the record for the highest share price in the Dhaka Stock Exchange in 2008. ————————————————- 2. 1 Pioneer of Mobile Banking Dutch-Bangla Bank Limited (DBBL) has for the first time introduced its mobile banking service at 1st April, 2011 & expanding the banking service from cities to remote areas. Bangladesh Bank Governor Atiur Rahman yesterday inaugurated the service by depositing Tk 2,000 and withdrawing Tk 1,500 through Banglalink and Citycell mobile networks in Motijheel area. ———————————â₠¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€ 2. 2 Achievement of DBBL on Mobile Banking sector Awards received by DBBL for launching best mobile banking services: ————————————————- 2. 3 Agent of DBBL Mobile Banking  Ã¢â‚¬â€œÃ‚  Agents Mobile Banking – Agents : ( Total = 13721 ) Dhaka  Division  ( 5422 )| Chittagong  Division  ( 2368 )| Sylhet  Division  ( 830 )| Barisal  Division  ( 812 )| Rangpur  Division  ( 1489 )| Khulna  Division  ( 1305 )| Rajshahi  Division  ( 1495 )| ————————————————- . 4 DBBL Mobile Banking Model Dutch-Bangla Bank Limited (DBBL), a technology savvy commercial bank in Bangladesh, started Mobile Banking on 31 March, 2011. DBBL has followed a unique model for deployment of the Mobile Banking in Bangladesh. DBBL model has the following characteristics:| 1| Bank-led model:  DBBL Mobile Banking is a Bank-led model to fulfill the basic banking needs utilizing mobile phones in Bangladesh where only 24% of the adult population has bank accounts, but 60% are using mobile phones.This is contrary to the Mobile Banking in developed countries where almost 100% of the adult people have bank account, and as such there is no need for discharging basic banking activities using mobile phones, rather there is a requirement for the banks to discharge conventional banking services over the existing bank accounts more conveniently using mobile phones. | 2| Vision:  The vision of the DBBL Mobile Banking is to promote Banking to the unbanked (unlike other models in developing countries which promote P2P or ‘Send Money’), and to develop savings habit among the unbanked.Accordingly DBBL Mobile Banking started with and providing highest importance to the registration with proper KYC, Cash-in and C ash-out activities. Other activities like P2P, disbursement of foreign remittance, salary/wages, government’s/other allowances, air-time top-up, buying goods and services etc are considered as the by-product of the basic banking services. | 34| An account, not a wallet:  DBBL Mobile Banking considers the deposit of the customer as balance in his mobile account like balance in the savings or current accounts, not as electronic money or wallet.Four parties involved: DBBL Mobile Banking has involved four parties – Bank, Mobile Network Operators (MNO), Agents and Customers with a commission model to suit each of the parties. The commission charged to the customers is acceptable to them (customers), and at the same time it is motivational for the Bank, MNO and agents to run their respective business. Highest priority is given to the benefits of customers and agents. | 5| Four Cash movement tiers:  Customers can cash-in/cash-out at agents, agents at super agents and the super agents at bank branches. Thus ll the cash is ultimately deposited at a bank branch. To make the transactions convenient, provision has been kept for the customers and agents to perform the transaction directly at bank branches/ATMs. | 6| Four Geographical tiers:  To have better and close supervision on the customers, agents and super agents, develop the mobile banking market, quick and localized data entry during customer registration, and the dispute management, the country has been divided into four tiers – territory, upozila, district and division. | ————————————————- . 5 Number of Customer in Comparison with others. 2. 6 ————————————————- 2. 6 Comparison between DBBL Mobile Banking & bKash SL NO| Service Features| DBBL| Bkash| Remarks for DBBL| 1| Registration | Free| Free| Tk 100/- initial deposit for approbal| 2| Cash in at Bank| Free| N/A| | 3| Cash in at agent| 1%| Free| | 4| Cash out at Branch| Free| N/A| | 5| Cash out at ATM| Free| 2%| | 6| Cash out at agent| 2%| 1. 85%| Expecting to reduce the fee to 1% | 7| Inward Foreign Remittance| Free| N/A| | ———————————————— 3. 1 Mobile banking system Mobile Banking is a Banking process without bank branch which provides financial services to unbanked communities efficiently and at affordable cost. Mobile banking is a term used for performing balance checks, account transactions, payments, credit applications and other banking transactions through a mobile device such as a mobile phone or Personal Digital Assistant. The mobile banking services were offered over SMS, a service known as SMS banking. ————————†”——————— 3. 2 Current situation of Mobile Banking in Bangladesh Mobile banking is a new technology in Bangladesh. Mobile banking is a term used for performing balance checks, account transactions, payment, etc via mobile device such as mobile phones. Most people heard about it but not have a clear idea, almost 94% people heard about mobile banking and 6% haven’t heard about mobile banking. Mobile banking started from 31st March 2011. Dutch Bangla Bank Limited pioneered in mobile banking services in Bangladesh.Dutch-Bangla Bank Limited launched the service in collaboration with mobile phone operators Banglalink, and CityCell. Primarily mobile banking will provide the clients with cash deposit, cash withdrawal, merchant payment, utility payment, salary disbursement, foreign remittance, and fund transfer services. Nine other banks have also been licensed by the Bangladesh Bank to introduce mobile banking. Bangladesh Bank governo r Atiur Rahman inaugurated the service through depositing money in and withdrawing cash from two DBBL-authorized mobile service centers at Naya Paltan and Purana Paltan areas in the city.Mobile banking is a new concept, because of this, it would be a little more expensive for the users. The aim of mobile banking is to bring more people under the umbrella of banking service. Government thinks it has a great prospect as it is a new technology in digital Bangladesh. But in Bangladesh many people think traditionally, because they cannot think it has any facility to use mobile banking. 69% people feel mobile banking has prospect in Bangladesh whereas 31% think it has no prospect in Bangladesh as many people will not feel interest or have belief on mobile banking. ———————————————— 3. 3 DBBL’s Mobile Banking Services and offers a) Customer relation b) Cash deposit c) Cash withdrawal d) Foreign remittance e) Salary disbursement f) Person to person transfer (P2P) g) Air time top up h) Balance inquiry ————————————————- 3. 4 DBBL’s Mobile Banking procedure The users will have to pay a service charge of Tk50 for depositing Tk5,000 and Tk 100 to withdraw the same amount of money.The service charge will be whichever amount is higher between Tk5 and 1 percent of the deposited money at the cash-in end and whichever amount is higher between Tk10 and 2 per cent of the money withdrawn from the cash-out end. Any Banglalink, airtel or CityCell mobile user can register as a recipient of the service by paying a Tk10 fee to any authorized agent point of the DBBL or any retailer of CityCell, airtel and Banglalink. After registration, the users will be given a personal identification number and a check digit ranging from one to nine which will be added to his/her mobile number that will act as security measures.Every user will need his/her mobile set, check digit and PIN for making any transaction. â€Å"Customer’s money is safe as no one can withdraw money without taking possession of the mobile set, PIN and the check digit all together, no one will be able to deposit unwanted money into a mobile banking account without knowing the check digit, although the mobile number is publicly known. † The mobile banking is a part of digitalizing the banking sector and the central bank’s plan to bring the masses under financial inclusion. ———————————————— 3. 5 Future prospect of Mobile Banking in Bangladesh Based on the ‘International Review of Business Research Papers' from World business Institute, Australia, following are the key functional trends possible in world of Mobile Banking. With the advent of technology and increasing use of smart phone and tablet based devices, the use of Mobile Banking functionality would enable customer connect across entire customer life cycle much comprehensively than before.With this scenario, current mobile banking objectives of say building relationships, reducing cost, achieving new revenue stream will transform to enable new objectives targeting higher level goals such as building brand of the banking organization. Emerging technology and functionalities would enable to create new ways of lead generation, prospecting as well as developing deep customer relationship and mobile banking world would achieve superior customer experience with bi-directional communications. Illustration of objective based functionality enrichment In Mobile Banking Communication enrichment: – Video Interaction with agents, advisors. * Pervasive Transactions capabilities: – Comprehensive â€Å"Mobile wallet† * Customer Education: – â€Å" Test drive† for demos of banking services. * Connect with new customer segment: – Connect with Gen Y – Gen Z using games and social network ambushed to surrogate bank’s offerings. * Content monetization: – Micro level revenue themes such as music, e-book download . * Vertical positioning: – Positioning offerings over mobile banking specific industries. * Horizontal positioning: – Positioning offerings over mobile banking across all the industries. ———————————————— 3. 6 History of Mobile Banking in Abroad Improving access to financial services, such as savings, deposits, insurance and remittances, is vital to reducing poverty. Savings can help poor people to invest in productive assets like livestock, a loan may help to expand business activities, and insurance can provide income for a family if a breadwinner becomes sick. In many developing countries, however, 9 out of 10 people do not have a bank account or access to basic financial services.Poor people are often not considered viable customers by the formal financial sector as their transaction sizes are small, and many live in remote areas beyond the reach of banks branch networks. Informal banking services such as microfinance and village savings and loan associations remain limited in their reach. The first mobile banking and payment initiatives were announced during 1999 (the same year that Fundamental deployed their first prototype). The first major deployment was made by a company called Pay box (largely supported financially by Deutsche Bank).The company was founded by two young German’s (Mathias Entemann and Eckart Ortwein) and successfully deployed the solution in Germany, Austria, Sweden, Spain and the UK. At about 2003 more than a million people were registered on Pay box and the company was rated by Gartner as the leader in the fiel d. Unfortunately Deutsche Bank withdraws their financial support and the company had to reorganize quickly. All but the operations in Austria closed down. Another early starter and also identified as a leader in the field was a Spanish initiative (backed by BBVA and Telephonica), called Mobi Pago.The name was later changed to Mobi Pay and all banks and mobile operators in Spain were invited to join. The product was launched in 2003 and many retailers were acquired to accept the special USSD payment confirmation. Because of the complex shareholding and the constant political challenges of the different owners, the product never fulfilled the promise that it had. With no marketing support and no compelling reason for adoption, this initiative is floundering at the moment. Many other large players announced initiatives and ran pilots with big fanfare, but never showed traction and all initiatives were ultimately discontinued.Some of the early examples are the famous vending machines at the Helsinki airport supported by a system from Nokia. Siemens made announcements in conjunction with listed and high-flying German e-commerce company, Brokat. Brokat also won the lucrative Vodafone contract in 2002, but crashed soon afterwards when it runs out of funds. Israel (as can be expected) produced a large number of mobile payment start-ups. Of the many, only one survived – Trivnet. Others like Adamtech (with a technically sound solution called Cell pay) and Paytt disappeared after a number of pilots but without any successful production deployments.Initiatives in Norway, Sweden and France never got traction. France Telecom launched an ambitious product based on a special mobile phone with an integrated card reader. The solution worked well, but never became popular because of the unattractive, special phone that participants needed in order to perform these payments. Since 2004, mobile banking and payment industry has come of age. Successful deployments with positi ve business cases and big strategic impact have been seen recently. 3. 7 ————————————————- Mobile Banking servicesMobile banking can offer service such as the following: Account information: i. Mini- statement and checking of account history ii. Alerts on account activity or passing of set thresholds iii. Monitoring of term deposits iv. Access to loan statements v. Access to card statements vi. Mutual funds/equity statement vii. Insurance policy management viii. Pension plan management ix. Status on cheque, stop payment on cheque. Payment and transfers: i. Domestic and international fund transfers ii. Micro-payment handling iii. Mobile recharging iv. Commercial payment processing v. Bill payment processing i. Person to Person payment Investment: i. Portfolio management service ii. Real-time stock quotes iii. Personalized alerts and notification on security prices Support: i. Status of request for credit including mortgage approval, and insurance ii. Coverage iii. Check (cheque) book and card requests iv. Exchange of data messages and email, including complaint submission and tracking v. ATM location Content service: i. General information such as weather up dates, news ii. Loyalty-related offers iii. Location-based services ————————————————- . 8 Basic Mobile Banking Technologies There are four fundamental approaches to mobile banking. The first two rely on technologies that are standard features on almost all cell phones. Interactive Voice Response (IVR): If we have ever called our credit card issuer and meander through a confusion of prompts — â€Å"For English, press 1; for account information, press 2† – then you’re familiar with interactive voice response. In mobile banking, it works like this: Banks advertis e a set of numbers to their customers. a) Customers dial an IVR number on their mobile phones. ) They are greeted by a stored electronic message followed by a menu of options. c) Customers select an option by pressing the corresponding number on their keypads. d) A text-to-speech program reads out the desired information. IVR is the least sophisticated and the least â€Å"mobile† of all the solutions. In fact, it doesn’t require a mobile phone at all. It also only allows for inquiry-based transactions, so customers can’t use it for more advanced services. ————————————————- 3. 9 Mobile Banking Business Model Banking models is evolving.If mobile banking is being used to attract low-income populations in often rural locations, the business model will depend on banking type. These models differ primarily on the question that who will establish the relation ship (account opening, deposit taking, lending etc. ) to the end customer. Bank-focused model The bank-focused model emerges when a traditional bank uses non-traditional low-cost delivery channels to provide banking services to its existing customers. Example: range from use of automatic teller machines (ATMs) to internet banking or mobile phone banking to provide certain limited banking services to bank’s customers.Bank-led model The bank-led model offers a distinct alternative to conventional branch-based banking in that customer conducts financial transactions through mobile phone instead of at bank branches or through bank employees. This model promises the potential to substantially increase the financial services outreach by using retailers or mobile phones. Non-bank-led model The non-bank-led model is where a bank has a limited role in the day-to-day account management. Typically its role in this model is limited to safe-keeping of funds.Account management functions ar e conducted by a non-bank who has direct contact with individual customers. ————————————————- 3. 10 Advantage of Mobile Banking The biggest advantage that mobile banking offers to banks is that it drastically cuts down the costs of providing service to the customers. For example an average teller or phone transaction costs about $2. 36 each, whereas an electronic transaction costs only about $0. 10 each. Additionally, this new channel gives the bank ability to cross-sell up-sell their other complex banking products and services such as vehicle loans, credit cards etc.For service providers, Mobile banking offers the next surest way to achieve growth. Countries like Korea where mobile penetration is nearing saturation, mobile banking is helping service providers increase revenues from the now static subscriber base. Service providers are increasingly using the complexity of their supported mobile banking services to attract new customers and retain old ones. A very effective way of improving customer service could be to inform customers better. Credit card fraud is one such area.A bank could, through the use of mobile technology, inform owners each time purchases above a certain value have been made on their card. This way the owner is always informed when their card is used, and how much money was taken for each transaction. Similarly, the bank could remind customers of outstanding loan repayment dates, dates for the payment of monthly installments or simply tell them that a bill has been presented and is up for payment. The customers can then check their balance on the phone and authorize the required amounts for payment. The customers can also request for additional information.They can automatically view deposits and withdrawals as they occur and also pre- schedule payments to be made or cheques to be issued. Similarly, one could also request for s ervices like stop cheque or issue of a cheque book over one’s mobile phone. There are number of reasons that should persuade banks in favor of mobile phones. They are set to become a crucial part of the total banking services experience for the customers. Also, they have the potential to bring down costs for the bank itself. Through mobile messaging and other such interfaces, banks provide value added services to the customer at marginal costs.Such messages also bear the virtue of being targeted and personal making the services offered more effective. They will also carry better results on account of better customer profiling. Yet another benefit is the anywhere/anytime characteristics of mobile services. A mobile is almost always with the customer. As such it can be used over a vast geographical area. The customer does not have to visit the bank ATM or a branch to avail of the bank’s services. Research indicates that the number of footfalls at a bank’s branch h as fallen down drastically after the installation of ATMs.As such with mobile services, a bank will need to hire even less employees as people will no longer need to visit bank branches apart from certain occasions. With Indian telecom operators working on offering services like money transaction over a mobile, it may soon be possible for a bank to offer phone based credit systems. This will make credit cards redundant and also aid in checking credit card fraud apart from offering enhanced customer convenience. The use of mobile technologies is thus a winwin proposition for both the banks and the bank’s customers.The banks add to this personalized communication through the process of automation. For instance, if the customer asks for his account or card balance after conducting a transaction, the installed software can send him an automated reply informing of the same. These automated replies thus save the bank the need to hire additional employees for servicing customer need s. ————————————————- 3. 11 Disadvantage of Mobile Banking Security: Security experts generally agree that mobile banking is safer than computer banking because very few viruses and Trojans exist for phones.That does not mean mobile banking is immune to security threats, however. Mobile users are especially susceptible to a phishing-like scam called â€Å"smishing. † It happens when a mobile banking user receives a fake text message asking for bank account details from a hacker posing as a financial institution. Many people have fallen for this trick and had money stolen through this scam. Online banking is usually done through an encrypted connection so that hackers cannot read transmitted data, but consider the consequences if your mobile device is stolen.While all banking applications require us to enter a password or PIN, many people configure their mobile device s to save passwords, or use insecure passwords and PINs that are easy to guess. Compatibility: We need a smart phone to get the most out of mobile banking. Mobile banking is not available on every device. Some banks do not provide mobile banking at all. Others require you to use a custom mobile banking application only available on the most popular smart phones, such as the Apple iPhone and RIM Blackberry. Third-party mobile banking software is not always supported.If we do not own a smart phone, the types of mobile banking we can do are usually limited. Checking bank account balances via text message is not a problem, but more advanced features such as account transfers are generally not available to users of â€Å"dumb phones. † Cost: The cost of mobile banking might not appear significant if we already have a compatible device, but we still need to pay data and text messaging fees. Some financial institutions charge an extra fee for mobile banking service, and we may need to pay a fee for software. These extra charges quickly add up, especially if we access mobile banking ———————————————— 4. 1 Incentive disbursement utilizing Mobile Banking DBBL providing incentive disbursement services by utilizing mobile banking. This is very quick & convenient process of incentive disbursement. Some companies are signed agreement with DBBL for this service. Such as: Dutch-Bangla Bank (DBBL) and D. Net has signed an agreement on August 07, 2012 on Mobile Banking Services at the Head Office of DBBL. The agreement was signed by Dr. Ananya Raihan, Executive Director of D. Net and Mr. K. S. Tabrez, Managing Director of DBBL on behalf of their respective organizations.Under this agreement, field level agents of D. Net will receive their commission in their DBBL Mobile Banking Accounts. After receiving their incentive, commission, salary in their mobile account s, the agents will be able to withdraw/ deposit cash from any nearby agent or DBBL branches, withdraw money from any DBBL ATM, transfer money to other mobile accounts, buy goods and services from retailers and pay utility bills throughout the country and moreover will get the opportunity of â€Å"Banking with a bank†. Dr. Ananya Raihan, Executive Director of D. Net and Mr. K. S.Tabrez, Managing Director of DBBL sign on behalf of their respective organizations. ————————————————- 4. 2 Salary payment utilizing Mobile Banking DBBL providing salary payment services by utilizing mobile banking. This service makes quick salary payment to large number of employee in organization. Some company signed agreement with DBBL for this service. Such as: Dutch-Bangla Bank (DBBL) and  Bengal  Group of Industries have signed an agreement on Mobile  BankingServices at the DBBL He ad Office on June 06, 2012. The agreement was signed by Mr. Humayun Kabir, Director, Bengal Group of Industries and Mr.Mir Mominul Huq, Head of Mobile Banking, DBBL on behalf of their respective organizations. Under this agreement, employees of  Bengal  Group  of Industries will receive their monthly salaries in their DBBL Mobile Banking Accounts. After receiving their salaries in their mobile accounts, employees will be able to withdraw/ deposit cash from any nearby agent, DBBL branches and ATMs, transfer money to other mobile accounts, buy goods and services from retailers and pay utility bills throughout the country and moreover will get the opportunity of banking with a bank. Mr. Mir Mominul Huq, Head of Mobile Banking and Mr.Humayun Kabir, Director, Bengal Group of Industries, DBBL on behalf of their respective organizations. ————————————————- 4. 3 Real Cardless ATM Transaction utilizing Mobile Banking At DBBL, the mobile banking customers physically go to an ATM, push the †Mobile Banking† marked button, type their mobile account number, the amount to withdraw, their PIN and push the â€Å"Correct† marked button. The customers then receive a Push-sms or IVR call to their mobile phone from the Mobile Banking system requesting them to type their PIN again on their mobile phone.The customers then type their PIN and the ATM dispenses the requested money. In the DBBL process, the customers operate the ATM using their mobile phone instead of a debit or credit card. DBBL has innovated a real cardless ATM transaction for the first time in the world which is AML compliant, convenient and secure, protecting you from the risk of ATM frauds like skimming. Real Cardless ATM Transactions For the first time in the world. ——————————————â₠¬â€Ã¢â‚¬â€- 4. 4 Prepaid Top-UP utilizing Mobile Banking.All the Dutch-Bangla Bank Mobile Banking account holders no longer have to take the time and trouble of finding and visiting a nearby location to top-up their mobile phone talk time/airtime. With the convenience of Dutch-Bangla Bank Mobile Banking, they can top up their own or someone else’s talk time/ airtime free of charge. anytime. anywhere. Top-up using with Mobile Banking. ————————————————- 5. 1 Implementation of Mobile Banking through Rural People Rural poor people living on less than 140 taka a day, they can receive banking services via their mobile phones.It probably won't happen, but it would be amazing if it did. ? Increase Interest to Use: Many rural people heard about mobile banking. But they yet have not felt that they should use it as they are happy to use traditional banking system. Some peopl e feel interest to use it. About 55% people feel they should use it and 45% people haven’t feel to use mobile banking. ? Make easy transfer of money: The problem of domestic remittances is often overlooked. large cities like Dhaka are home to millions of migrants who would love to send money back to their families elsewhere in the country but who are unbanked and have no real means of doing so.But they want to send money to village. The ability to remit money domestically with little more than a text message could be revolutionary. ? Transfer international remittance: People’s international remittances, which already a big part of national income, can be transferred by mobile phone to their relatives. Mobile banking has ability to send money directly from mobile phone to mobile phone is orders of magnitude easier and cheaper. ? Reduce Cost and increase saving: About 75% rural people are poor, they lives under poverty line.It is convenient, affordable and it is much mor e effective in developing savings habits, it will make access to banking and advanced payment transactions at affordable cost. All people know that its cost is not higher than traditional banking. Around 56% people say its cost is lower, 20% say same and 24% say it is affordable than traditional banking. ? Make them banked: Then there's the emphasis on the rural people to introduce in banking. Although the rural people are more likely to be unbanked and therefore in need of mobile banking services, they haven't been directly targeted by many of the first wave of mobile banking providers.The rural people, of course, are both a new customer segment and generally the very last adopters of any new technology. It's hard to sell banking services to someone who neither knows nor understands what a bank is. ? Motivate them to use their Accounts: Another risk is that the goal will be reached but in name only, people might have mobile-banking accounts, and might even automatically get such an account when they get their phone. But the accounts might not be used, and in so far as they are used, they might be use only for payments and not for real banking services.So they have to be motivated. ? Make it easy to use: It is much more effective in developing savings habits. Its using system is also easy. Anyone can use it. Poor rural people are often not considered viable customers by the formal financial sector as their transaction sizes are small, and many live in remote areas beyond the reach of banks branch networks. ? Aware them that Mobile Banking is better than Traditional Banking: Mobile banking is real time on-line banking. Show them how mobile banking is on-line banking and it takes less time than traditional banking.It will make access to banking and advanced payment, transactions at affordable cost. ? Introduce Time Saving banking: Mobile banking is available anytime, anywhere throughout the country. So it can save one’s time. But about 70% people think th at mobile banking can save their time, where as 30% think it cannot save time. ? Make secure and trust worthy banking: Make mobile banking much safer and safeguard against fraudulent transactions, and one can trust mobile banking as traditional banking system. Show them it has secured pin code which is known by the user, and also has a check digit without it no one can deposit money.The poor rural people often have greater familiarity and trust with mobile phone companies than formal banking institutions. ?Save them from unnecessary harassment: Informal banking services such as microfinance and village savings and loan associations remain limited in their reach. So, mobile banking system develops to bring poor rural people into banking system. 83% people face or heard no problem to use mobile banking. But 17% people heard or face problems to use it like sometimes transaction do not reach at time, cannot operate it easily as traditional banking. Make a promise to serve better: The pr omise of mobile banking for the rural people is that mobile phone providers have managed to get a degree of penetration among the country's rural people. Mobile phone providers are likely to continue in the direction they're headed in at the moment, staying away from banking regulation, confining themselves largely to payments rather than fully-fledged banking, and targeting their entire customer base without any particular emphasis on the bottom of the pyramid.Will the mobile phone companies sign on, even if they see lots of regulatory headaches and very few profits by doing so? The answer to that question could be the given by the mobile companies and banks. ————————————————- 5. 2 Benefits of Mobile Banking in Prospective of rural people. Mobile banking has several benefits for peoples, specially for rural poor people: ? Mobile banking Makes Life Easier: It is real time on-line banking, available anytime, anywhere throughout the country. It is convenient, affordable and secure; it is much more effective in developing savings habits ?Speedy and safeguard: It will make access to banking and advanced payment transactions at affordable cost. It is much safer, speedy and safeguard against fraudulent transactions. All of the characteristics of mobile banking make life easier. ? Secure: In mobile banking is Secure, a confidential pin code is used by the user. PIN ensures security of money and protects fraudulent transactions. So mobile banking is fully secured. ?Any time access: One benefit of mobile banking is a very speedy process. Transaction can be done anytime anywhere quickly in less time. 00% people believe that it is a speedy process. ? Small account for poor: Mobile banking started with the idea to bring the poor rural under the umbrella of banking sector especially rural poor as there are not much bank facilities, also there savings is low so th ey feel shy to go to bank. ? Easy to use: Its using system is also easy. Anyone can use it. ? Easy way to send money: People are like to send money easily to their relatives; Mobile banking has ability to send money directly by mobile phone. People can get the service of easy transferring money through mobile banking. Remittance transfer: International remittances can be transferred by mobile phone to one country to another. Mobile banking has ability to send money directly from mobile phone to mobile phone. ? Increase banking activities: Although the rural people are unbanked by mobile banking services they are converted into banked people. It is developing savings habits, it will make access to banking and advanced payment transactions. ————————————————- 5. 3 Challenges for a Mobile Banking Solutions Key challenges in developing sophisticated mobile banking applications are: . Handset operability: There are a large number of different mobile phone devices and it is a big challenge for banks to offer mobile banking solution on any type of device. Some of these devices support Java ME and others support SIM Application Toolkit, a WAP browser, or only SMS. Initial interoperability issues however have been localized, with countries like India using portals like R-World to enable the limitations of low end java based phones, while focus on areas such as South Africa have defaulted to the USSD as a basis of communication achievable with any phone.The desire for interoperability is largely dependent on the banks themselves, where installed applications (Java based or native) provide better security, are easier to use and allow development of more complex capabilities similar to those of internet banking while SMS can provide the basics but becomes difficult to operate with more complex transactions. There is a myth that there is a challenge of interoperab ility between mobile banking applications due to perceived lack of common technology standards for mobile banking.In practice it is too early in the service lifecycle for interoperability to be addressed within an individual country, as very few countries have more than one mobile banking service provider. In practice, banking interfaces are well defined and money movements between banks follow the IS0-8583 standard. As mobile banking matures, money movements between service providers will naturally adopt the same standards as in the banking world. On January 2009, Mobile Marketing Association (MMA) Banking Sub-Committee, chaired by CellTrust and VeriSign Inc. published the Mobile Banking Overview for financial institutions in which it discussed the advantages and disadvantages of Mobile Channel Platforms such as Short Message Services (SMS), Mobile Web, Mobile Client Applications, SMS with Mobile Web and Secure SMS. 2. Security: Security of financial transactions, being executed fr om some remote location and transmission of financial information over the air, are the most complicated challenges that need to be addressed jointly by mobile application developers, wireless network service providers and the banks' IT departments.The following aspects need to be addressed to offer a secure infrastructure for financial transaction over wireless network: * Physical part of the hand-held device. If the bank is offering smart-card based security, the physical security of the device is more important. * Security of any thick-client application running on the device. In case the device is stolen, the hacker should require at least an ID/Password to access the application. * Authentication of the device with service provider before initiating a transaction. This would ensure that unauthorized devices are not connected to perform financial transactions. User ID / Password authentication of bank’s customer. ? Encryption of the data being transmitted over the air. * Encryption of the data that will be stored in device for later / off-line analysis by the customer. * One-time passwords (OTP’s) is the latest tool used by financial and banking service providers in the fight against cyber fraud. Instead of relying on traditional memorized passwords, OTPs are requested by consumers each time they want to perform transactions using the online or mobile banking interface. When the request is received the password is sent to the consumer’s phone via SMS.The password is expired once it has been used or once its scheduled life-cycle has expired. Because of the concerns made explicit above, it is extremely important that SMS gateway providers can provide a decent quality of service for banks and financial institutions in regards to SMS services. Therefore, the provision of service level agreements (SLAs) is a requirement for this industry; it is necessary to give the bank customer delivery guarantees of all messages, as well as measurements on the speed of delivery, throughput, etc. SLAs give the service parameters in which a messaging solution is guaranteed to perform. . Application distribution: Due to the nature of the connectivity between bank and its customers, it would be impractical to expect customers to regularly visit banks or connect to a web site for regular upgrade of their mobile banking application. It will be expected that the mobile application itself check the upgrades and updates and download necessary patches (so called â€Å"Over the Air† updates). However, there could be many issues to implement this approach such as upgrade / synchronization of other dependent components. ————————————————- 5. Problems to implement of Mobile Banking through rural people Key challenges in developing a sophisticated mobile banking application through rural people are: * Poverty: Poverty is a main pr oblem of 3rd world country like Bangladesh. Rural people are not able to buy their food easily, so how they can buy a mobile phone or open a account in bank? * Illiterate people: A big amount of rural people are illiterate, so they are not aware of banking system yet. So they are not interested in mobile banking system. * Weak infrastructure: The socio economic infrastructure is very weak in Bangladesh.About more than 80% rural people has no account in traditional banking system, where mobile banking is a new concept, people have doubt about mobile banking. * Lack of trust: As it is a new method of banking people haven’t 100% faith on it. So, people don’t want to take any risk by giving suggestion to use it. Rural people feel it will not make life easier as it may not be trust worthy and it is not secured as they cannot fully trust on online banking than traditional banking system. * Lack of awareness: The rural people have lack of awareness they feel upper class or mi ddle class people can use mobile banking. Operating complexity: Handset operability is a vital problem of Mobile Banking There are a large number of different mobile phone devices and it is a big challenge for banks to offer mobile banking solution on any type of device. There is a problem that there is a challenge of interoperability between mobile banking applications due to perceived lack of knowledge in technology standards for mobile banking. * Security: Security of financial transactions, being executed from some remote location and transmission of financial information over the air, are the most complicated challenges that eed to be addressed jointly by mobile application developers, wireless network service providers and the banks' IT departments. When Security of any thick-client application running on the device. In case the device is stolen, the hacker should require at least an ID/Password to access the application. Banks unable to meet the performance and reliability ex pectations may lose customer confidence. 6. 0 ————————————————- Mobile Banking at a Glance ————————————————- 6. 1 What is Mobile Banking?Mobile banking is a Banking process without bank branch which provides financial service to unbanked communities efficiently and at affordable cost. To provide banking and financial service through mobile technology devices i. e mobile phone called mobile banking. ————————————————- 6. 2 Benefits of Mobile Banking: * Real time on-line banking. * Available anytime, anywhere throughout the country. * It is convenient, affordable and secure. * It is much more effective in developing saving habits. * It will make access to banking and advanced payment transactions at affordable cost. It is much safe, speedy and safeguard against fraudulent transactions. 6. 3 ————————————————- What does DBBL Mobile Banking offer? * Customer Registration. * Cash-in (Cash deposit). * Cash-out (Cash withdrawal) * Foreign Remittance. * Salary disbursement. * Person to person transfer (P2P). * Mobile Top-Up. * Balance inquiry. 6. 4 ————————————————- Where to register? Customer can register at any authorized agent point of DBBL who can display â€Å"DBBL Agent Certificate† and â€Å"DBBL Mobile Banking Banner†. . How to register mobile account? * Customer fills up the KYC Form and submits to agent along with his or her photograph and national ID. * Agent goes to Customer Registration Menu fr om his or her mobile and inserts customer’s mobile number. * Customer receives an IVR call or USSD prompt and in reply, she or he gives 4-digit PIN number at his or her choice. * A Mobile Account is created in DBBL system which is his or her mobile number +one check digit. * Customer receives a confirmation SMS which contains his or her Mobile Account Number. 2 . Why PIN is required?PIN is required to be inputted during cash withdrawal from an Agent Point of DBBL or DBBL Branch or DBBL ATM. PIN ensure security of your money and protect fraudulent transactions. 3. Why PIN is strictly confidential? PIN is the key for transaction of Mobile Banking. Only correct match of PIN & Mobile Number can access the Mobile Account. PIN is needed to verify the A/C owner by the system. If a PIN is disclosed, respective account is at risk; therefore, PIN should be handled very carefully. 4. Why Check Digit? Mobile number is public and known to many people.Without knowing your check digit, none will be able to deposit money at your account, thus it helps to keep your mobile account confidential. On the other hand, a check digit eliminates typing error, thus protects sending or depositing money to a wrong account. 5. Which Telco’s Mobile can be registered? Customer having any mobile from any mobile operator can be registered for DBBL Mobile Banking at any nominated agent point of the bank. 6. What are the necessary documents for registration? * Duly filled in KYC form. * Photograph of account holder. National ID or any other acceptable ID with photograph. 7. What is my Mobile Account Number? Your mobile account number is your mobile number with an additional check digit. For example, if your mobile number is 01233445566 and check digit is 3, then your mobile number account will be 012334455663. 8. What type of mobile set is required? Any type of mobile set can be used for DBBL mobile banking. 9. How much initial deposit is required? Customer can open a DBBL Mobile A ccount with an initial deposit of taka 100/- (one hundred) only. 10. Can I deposit and withdraw money immediately after registration?You can deposit money immediately after registration. However, you can withdraw after your account is fully registered. Bank officer verify the information on the registration form (KYC form) and authorizes the account for full registration. Normally 1-2working days are required for full registration. After your account is fully registrated, you will get an SMS notification. ————————————————- 7. 1 Findings 1. Maximum people are unknown with DBBL Mobile Banking. 2. Maximum rural people are illiterate. 3. DDBL Mobile Banking only provides Savings Account facility not others. . DBBL not providing merchant payment service. 5. Sometimes facing network problem. 6. DBBL do not sanction loan by Mobile Banking. 7. Cash inflow & outflow charge is highe r. 8. Hide information/ Not provide real information. 9. Difficult to collect necessary information. 10. Limited number of Mobile Banking Branch. ————————————————- 7. 2 Recommendations After reviewing these problems, we can follow the following recommendations: ? Increase Awareness: The rural people have lack of awareness and they haven’t much faith on it.So banks and mobile phone companies and government have to make them aware about mobile banking. ? Interest to Use: Banks and mobile phone companies and government have to promote the mobile banking system and grow interest in peoples mind. ? Develop infrastructure: The socio economic infrastructure is very weak. Government has to develop the infrastructure to ensure education to all and then people can gather knowledge and they can remove their doubt about mobile banking. ? Make easier to use: Mobile banking syste m is easy, but to rural people it is not so easy to use.Mobile companies and banks have to make the process easier than now. ? Reduce cost: I think the current mobile banking provider DBBL charge much for transaction. To grow interest in peoples mind transaction cost has to reduce. ? Security: Security is the main barrier which has to ensure for mobile banking process. And many people have doubt in their mind about that. So the process has to make more Trust Worthy ? Campaign: Rural people are not aware about banking system. About more than 80% of people has no account in traditional banking system, where mobile banking is a new concept.So it is essential to make campaigns in village to village to aware them. ? Tell the people about the benefits: Mobile banking is a banking process that offers financial services like cash deposit, cash withdrawal, merchant payment, utility payment, salary disbursement, remittance inflow and outflow and government allowance disbursement through mobil e gadgets. ? Develop operability: Make easy and effective operating of mobile phone to banking like using Short Message Services (SMS), Mobile Web, Mobile Client Applications, SMS with Mobile Web and Secure SMS will increase mobile banking activities. Ensure security through wireless network: The physical security of the mobile device is more important. Security of any ID/Password is more important. ? Ensure reliability: With mobile banking, the customer may be sitting in any part of the world (true anytime, anywhere banking) and hence banks need to ensure that the systems are up and running in a true 24 x 7 fashion will increase banks performance and reliability of customer. ————————————————- 7. 3 Conclusion The growth of mobile banking technology is increasingly hard to ignore.Analyst firm & Research reports that nearly 50 percent of all mobile users in the United States will be using mobile banking within four years use mobile financial services today. With the advent of technology and increasing use of smart phone and tablet based devices, the use of Mobile Banking functionality would enable customer connect across entire customer life cycle much comprehensively than before. Mobile banking can play a vital role both banking and mobile sector. It has also impact on social sector too. One day Mobile banking will make rural people’s life easier than today.Although it has been tried on the best level to make this report informative and better but limitations are inevitable for any report. Finally, we would like to say the overall performance of DBBL Mobile Banking section is excellent. Their progressive trends are quite consistent and steady. This will help the Bank and facilitate as a market leader in Banking sector. ——————————————— - Abbreviations DBBL=Dutch-Bangla Bank Limited. KYC= Know Your Customer. IVR= Interactive Voice Response. USSD=Unstructured Supplementary Service Data.UISC=Union information and Service center. P2P=Person to person. ATM=Automated Teller Machine. PIN=Personal identification number. ————————————————- Questionnaire 1. DBBL Mobile banking division can provide services according to customer demand. * Yeas * No 2. What are the major constraint’s of mobile banking? †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 3. What are the objectives of DBBL ? †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 4. How many mobile Banking Account DBBL have? †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 5. What is the latest service of DBBL Mobile Banking? †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 6. Is rural people can easily adopt DBBL Mobile Banking service. †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 7. What is DBBL Future plan ? †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 8. What new service DBBL want to add with existing service? †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 9. Is Mobile Banking Division of DBBL profitable . †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 10. What are the major problem can you face? †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 11. What are the difference between DBBL Mobile Banking and bkash ? †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚ ¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 12.What are the security measure taken from DBBL for Mobile account? †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 13. How do you provide foreign Remittance and Air – Time Top- up service? †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 14. What are the CSR activities DBBL perform? †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 15. How DBBL Sanction loan to its customer by Mobile banking? †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 16. Why DBBL can’t sign deal with Gramen Phone and Robi ? But they are holding first and se cond position among Mobile phone operator. †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 17.In case of traditional Banking there is no charge for deposite or withdraw but in Mobile Banking customer have to pay charges for both deposite or withdraw. Why? †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. ————————————————- Bibliography References: Dutch-Bangla Bank Ltd. (DBBL) Mobile Banking Office , Agrabad , Chittagong. 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