Online Banking Research Proposal Example | Topics and Well Written Essays - 3000 words

Online Banking - Research Proposal Example Several studies have been conducted to with an aim of showing trends in the adoption of internet banking among adults and different geographic areas. Online banking services and products include both wholesale and retail products. Wholesale products are generally meant for corporate customers while retail and fiduciary products are meant for consumers. Online banking has become a popular and safe way for individuals, institutions and organizations to stay connected with their bank accounts. Online banking is mostly preferred above over-the-counter-banking since it is cheap and it offers the flexibility that is desired by clients (Hossein, 2004). It however also remains a high-risk subject considering that frauds are more easily conducted online and over remote distances than when banking activities are conducted offline. While several studies have been conducted on online banking, there is a clear gap that needs to be filled; how do different gender relate to internet banking. This study is therefore aimed at finding how different sexes respond to online banking. Of great interest is the ratio of online banking users in terms of gender, the specific services that are preferred by each sex and for what reasons other services are not preferred. Today's internet banking has succeeded distance banking services that were conducted electronically during the early 80s. The term online banking was commonly adapted inn the late 1980s to refer to the use of keyboard, monitor and a terminal to access the electronic banking system using a phone line. It was in New York in 1981 that online banking services began. The city's major banks Chase Manhattan, Citibank, Manufacturers and Chemical offered home banking services by use of the videotext system. United Kingdom's first online banking service was established by NBS (Nottingham Building Society) in 1983. The online system was based on the Prestel system, a television set, a computer and a telephone system. The system allowed viewing of statements online, bill payments, and bank transfers (John, Levine & Carol, 2007). In order for bill payment and bank transfers to be effected, written instructions had to be first sent to the NBS who then updated the Homelink system of the intended transaction. Many banks today offer secure, fully functional internet banking for a small fee or sometimes even free of charge. As online banking

U08d1, u08d2, u08d3 Coursework Example | Topics and Well Written Essays - 750 words

U08d1, u08d2, u08d3 - Coursework Example The Sun is not  massive  enough to ever evolve into a black hole; it will end its life in about 4.5 billion years as a white dwarf  star. But, in case if the Sun's mass was suddenly collapsed into a black hole then Earth's orbit then if a one  solar mass  black hole were to suddenly replace the Sun at the center of our solar system, the orbits of the planets would not change. This is because the physical laws that determine the orbital motion of the Earth depend only on the actual mass of the Sun, and not on whether it is distributed within a sphere (like the Sun) or at a point (like a black hole). 2. "There are 1011 stars in the galaxy. That used to be a huge number. But it's only a hundred billion. It's less than the national deficit! We used to call them astronomical numbers. Now we should call them economical numbers." —Richard Feynman, American physicist, Nobel Prize Laureate When we think of an astronomical number – we probably think of a sum thatâ€℠¢s almost beyond human comprehension. We probably refer to huge numbers as astronomical because of the vast and seemingly infinite universe. But the universe may not be as big as it seems when compared to something like the national debt. This quote has been said towards the backhanded critique of government. Furthermore,  we can say that there are at least 100 billion galaxies in the universe and each galaxy containing around 1 trillion stars. That’s 1 x 10^23 or 100 sextillion stars in the universe. Hence this comparison is done against the size of the national deficit. It's a good point, and economics can provide some slightly more familiar analogies to people grappling with large numbers than trying to contemplate entire galaxies. The important point here is not that high finance is catching up with the sciences; it’s that the numbers we encounter everywhere in daily life are growing steadily larger. While the consumer was busy saving, the Federal U. S. governmen t was piling on debt at a much greater pace. In fact, during Q2 of 2008 Washington accumulated debt at a 24.4% annual rate! Therefore, even though households and state and local governments have hopefully begun to learn their lessons; D.C. still managed to increase the overall level of non-financial debt in the U.S. to a record $35.45 trillion.† 3. Picture of the week How are the stars formed within the nebula? What is causing these dramatic pillars? What thoughts and reactions do you have to the pictures and their descriptions? All stars are formed from nebulae (the plural of nebula). Nebula is a term for a cloud of gas, and stars form from gas. Many nebulae or stars form from the  gravitational collapse  of gas in the  interstellar medium. As the material collapses under its own weight, massive stars may form in the center, and their  ultra violet radiation ionizes  the surrounding gas, making it visible at optical  wavelengths. Star formation  is the process b y which dense parts of  molecular clouds  collapse into a ball of  plasma  to form a  star. These eerie, dark pillar-like structures are actually columns of cool interstellar hydrogen gas and dust that are also incubators for new stars. The pillars protrude from the interior wall of a dark molecular cloud like stalagmites from the floor of a cavern. They are part of the "Eagle Nebula" M16, a nearby star-forming region 7,000 light-years away in the