In george orwell's Animal Farm, what is the difference between art and Essay

In george orwell's Animal Farm, what is the difference between art and propanda - Essay Example The process of achieving absolute power, the art of misinformation, and the way oppressed are perpetually oppressed in order to enjoy political power are allegorically portrayed in Animal Farm by the skilful use of irony and satire. A close scrutiny of the role of art and propaganda in Animal Farm is the focus of this paper. For a totalitarian government propaganda is essential in order to influence its audience. After selecting some important facts or information, they are presented in such a persuasive manner that they get injected into the minds of the people with little resistance. Propaganda is also needed to counter this kind of move. For example â€Å"our lives are miserable, laborious, and short. We are born, we are given just so much food as will keep the breath in our bodies†, tells Old Major to his comrades (Ch. 1). The revolutionary spirit is thus put in the minds of the general public, by Old Major, in Manor Farm. Therefore, propaganda is an inevitable political t ool in a society. The problem arises when the information is selected with a sinister motive, to achieve some selfish interest for a person or a party, or when it becomes harmful to the people, in this book for the animals: "War is war. The only good human being is a dead one" (Ch. 1V). The stress here is on the emotional response rather than on the rational response. This kind of propaganda is used to further some political agenda without taking the welfare of the people into consideration. Ultimately it also assumes the form of political warfare, leading to totalitarianism. Orwell has not written his novel to appease any particular party. John Rodden writes, â€Å"Orwell reportedly told his friend Stephen Spender, the well-known English poet, that he â€Å"had not written a book against Stalin in order to provide propaganda for capitalists† (Rodden, 135). Therefore, Animal Farm is to be seen as a work of art written to condemn all forms of totalitarianism. Animal Farm, the refore, is not a political work intended to propagate that totalitarianism is bad. On the contrary, it is a literary work which only takes the evil nature of totalitarianism as its content. It enables the students to study all aspects of satire, and also enlightens them on how effective allegory is in literature. Character development is superb in Animal Farm. â€Å"Squealer, with very round cheeks, twinkling eyes, nimble movements, and a shrill voice† reveals his true nature (Ch. 11). Orwell gives minute details of each and every animal, its natural instincts, without forgetting that they are the caricatures of great political personalities. Their role is to propagate to the readers the idiosyncrasies of their human originals in politics they represent, and they do it extremely well without forgetting their original tails or wings. Variety is the richness of Animal Farm, an assembly of complex and conflicting characters uniting for a purpose. They reenact the historical and political events superbly, which if presented as a book of history or politics would have generated repulsion and boredom. In the hands of Orwell art and propaganda converge to gift to the readers a fantastic piece of literary work. The working class is presented in the novel very

Interpersonal Communication Assignment Example | Topics and Well Written Essays - 1250 words - 2

Interpersonal Communication - Assignment Example For example in the case study Prisca refers to her client, Mrs. Roberts as auntie, as a form of respect. The three methods of interpersonal interaction include non-verbal communication, written communication and oral communication. Non-verbal communication involves facial expressions, gestures demonstrate by the body language, physical distance between the parties involved in the communication process, tonal variation and the pitch of the voice. Non-verbal offers clues as well as additional information and meaning over and beyond the spoken words or communication (Downs and Adrian, 2004, 02-04). Non-verbal communication may be deliberate or unintentional. It serves to reinforce the words that are being spoken, convey information on the emotional state of an individual and regulating the flow of information. In the case study, non-verbal communication is made evident when Mrs. Roberts walks down the path in her bed clothes and slippers while carrying her shopping bag. Through that gesture, she wanted to demonstrate her deep anger and frustration as a result of the delay by Prisca. Written communication is another form of interpersonal communication in which the parties involved interacted through writing. This form of interaction is mainly used in formal circumstances or when communicating to a deaf and dumb person who is able to read and write. It is less interactive as reading and writing may consume a lot of time. This form of communication is likely to be applied in the case of Mrs. Roberts who has challenges with hearing. Verbal communication occurs when there is sharing of information between individuals through speech. This can be monitored through ensuring that the enunciation, tone and stress in which the words have been expressed is applied in the right context. The communication cycle demonstrates that effective verbal communication is a two-way process which are speaking and

Proton Was Incorporated In May Marketing Essay

Proton Was Incorporated In May Marketing Essay Introduction Proton was incorporated in May 7, 1983. Proton is Malaysias first national car maker company. Proton is a Malaysian automobile manufacturer headquartered in Subang Jaya and Shah Alam, Selangor, Malaysia, with a manufacturing plant in Tanjung Malim, Perak. It all began in 1979, Malaysias Father of Modernization, Tun Mahathir Mohamad, (the Deputy Prime Minister of Malaysia), mooted the idea of establishing an automotive assembling and manufacturing industry in our country. Proton successfully produced its Malaysias first car, the Proton Saga, which is commercially launched on July 9, 1985 by our prime minister who had originally conceived the idea of a Malaysian car (History of Proton Malaysia, 2010). Protons objectives include the development of indigenous research and development capabilities, world class manufacturing and production standards, design capabilities as well as a presence in the global market. To further cement their successes, they come out with the new model such as Persona, Exora, New Saga and Preve. According to Prime Minister Datuk Seri Najib Tun Razak, Proton Preve has been developed accordance with global standards of quality and safety (Proton unveils latest car model the Preve, 2012). Today, they are constantly seeking progress that drives PROTON as a brand that encompasses not only making the best cars, but embracing the values that comes with it. Currently, export is one of the mode entries that Proton is using to expand its market. For instance, Proton cars are making their mark internationally as competitive and innovative automobiles. They are now being exported to 50 countries including the highly competitive United Kingdom and continental European markets. In order to reach the commitment from customers, business associates, shareholders, government agencies, and employees, Proton is realizing its goal of being an internationally successful Malaysian automotive manufacturer. It is achieving this by being customer oriented and by producing competitively priced and innovative products. Besides that, Proton has agreed with Chinas carmaker company, Hawtai Motor Group Ltd on Memorandum of Understanding (MoU to gain collaboration in product development and give licensing on its current models to Hawtai Motor Group to be manufactured by Hawtai in China (Proton signs MoU with Chinas Hawtai Motor, 2011). Main purpose for this collaboration is to develop the new models by sharing the cost and joint design. This enables Proton to lower down their cost and discover the potential cross-supplying of components from local Malaysian vendors to China. Proton also has relationship with the Youngman Automobile Group located in China. Youngman Automobile Group has been buying the Gen2 model from Proton since 2007 and selling the model under its own brand name. Proton is an automobile technology that is the pride and symbol of Malaysian innovation and dedication. Proton is preparing ahead now, with a view to globalize throughout the world. They will be breaking new grounds, opening n ew markets, and delighting new customers. Current Expansions Joint Venture Proton Holdings Berhad has a joint venture with Chinas Hawtai Motor Group Ltd to extend their expansion to China. They had come out with an agreement of Memorandum of Understanding (MoU) with Chinas Hawtai Motor Group Ltd to explore collaboration in their product development that allow Malaysian car manufacturer to expand their business to China (Zaharin, 2011). Besides, Proton will also license its current models which are Proton Exora and the upcoming model presently coded P3-21A to Hawtai Motor Group. These two models will only sell in Chinese domestic market and there are under Hawtai brand and maybe with co-naming with Proton because they had joint venture to extend their brand to worldwide so that everyone in different country will know their brand (Zaharin, 2011). According to Proton Group Managing Director, Dato Sri Haji Syed Zainal Abidin, Proton are now concerning into new models that manufactured by Hawtai Motor Group and it is suitable to redevelop to act as the substitut e for existing Proton models so that the development and tooling costs will be shared by both companies (Proton signs MoU with Chinas Hawtai Motor, 2011). Partnership Proton-Lotus engineering is also having partnership with Youngman. Youngman is a family-owned company which is located in Jinhua, Zhejiang and now it has renamed itself as Engineered by Lotus. The car with the brand name of T5 SUV is the production of car upon the partnership between them. T5 SUV is the extended form of Gen-2 platform and it will use engines from Protons CPS upwards and will be priced in the range of RM 50,000 to RM 75,000. In order to going global, they also designed right-hand drive version and also left-hand version so that the model can be acceptable by all the nations and sold worldwide (Vong, 2012). Proton Holding Berhad is also carry out partnership with Mitsubishi Motors Corporation which is located in Japan. This partnership was found to be failing due to the lack of technology transfer in year 2005. Proton has established a 20 years old relationship with Mitsubishi, but in the end it still broke down (Tan, 2005). However, Proton and Mitsubishi still wish to extend their partnership option in year 2008. Upon the partnership, Mitsubishi will be able to deal with the development and production of all vehicles which is under Proton brand and Proton also allows building new Mitsubishi-based vehicles (Klose, 2008). Export    Since 1983, Proton has established its automotive position consistently in producing and exporting cars. Currently, Proton has risen to a level where it has exported to more than fifty countries which include traditional export markets such as United Kingdom, Asia and South America including Australia, Turkey, Russia, India, Laos, Egypt and Argentina. Other than that, Proton is also aggressively expanding their business in other countries including Middle East and South Africa (Gabilaia, 2001).  However, Proton  does not export cars in the United States because of strict American regulations (Aero, 2012  ). Proton started its international exporting in the late 1980 which exports from Malaysia to other right hand drive markets like New Zealand. However, it was not as success as compared to the United Kingdom so Proton had withdrawn from the New Zealand market in 1990 (Mandalina landy, 2009). When Proton first export of cars in Europe was started in 1988 where it exported to Republic of Ireland and a year later, they expand their export market to United Kingdom. There was a large unit of cars being exported to United Kingdom and Ireland in 1989 since the United Kingdom is the largest export market of Proton. They export the cars through its distributor in UK which is its subsidiary, Proton Cars (UK) Ltd. When Proton decided to export their car in UK, it shows a significantly improvement on the overall sales performance and increase in production units. According to Mandalina landy, Proton somewhat suffered poor quality product has made Protons image in UK being affected included the sale s of the car dropped 14 900 units in  1993  to 4 600 in  1998. In addition, Proton also has suffered for intensive competition from other countries in automotive industry such as Japanese and South Korean carmakers. Therefore, Proton is too rely on its major export market in United Kingdom, Proton can export to other European countries since the company has not much expansion towards European countries. Even though ASEAN Free Trade Area (AFTA) agreements has been reduced the trade of entry to ASEAN country makes Proton decided to make further expansion to ASEAN country (Mandalina landy, 2009) but it just with a small units of car exports to Singapore, Indonesia, Thailand, Brunei, Nepal, Pakistan, Philippines, Bangladesh, and Sri Lanka. Thus, it contributed to lower in term of Protons production and profitability. There are six original members of AFTA: Brunei Darussalam, Indonesia, Malaysia,  Philippines, Singapore and Thailand. Now AFTA has included 4 members which are Vietnam, Laos, Myammar and Cambodia (Gabilaia, 2001). According to Aero, Proton does not officially exported their car to Vietnam. Besides, South Africa is the second country after Singapore where Proton has exported Satria Neo (Thestar, 2006). Proton would still retain its status as a national carmaker, but they will be focusing on its export markets (Choong, 2012). This can help Proton to offset the poor sales pe rformance on other export markets such as european market. Generally, Proton enters into some other countrys market via signing a distributor agreement with local based distributor such as Indonesia, Thailand and Australia. Forward  integration  is one of the strategies in order for Proton to gain the ownership control of its distributor. Thus, through signing distributor agreement that Proton as owner and controller of the distributorship of Proton cars can increases its control over its distributor. Besides, countries with left hand driving culture such as Singapore and Australia, Proton are producing and exporting left-hand car models to enter the market whereas neighboring market such as Thailand and Indonesia, Proton are serving them with right hand drive model of cars. Since car exports  are contributing substantial revenues for Proton. Therefore,  from 2008 onwards, Proton plans to push for annual car exports to 100,000 within the next few years (Neil McDonald, 2006). Acquisition Due to a lack of technology transfer, Proton has ended partnership with its major supplier Mitsubishi Motor in 2004 (Alborz Fallah, 2007). However, it does not affect Proton much regarding the supply of component part since they had been acquired Lotus Cars Company in 1996. Through acquisition, Proton able to obtain an additional source of engineering and automotive expertise since Lotus is well known with its engineering design and technology knowhow. According to Gabilaia, Proton is doing research and development with Lotus engineering and Petronas Formula1 team in order to build their own national car with their own engine without relies on the some component part supplied by Mitsubishi. As Proton was lacking of competitiveness in domestic and international markets, several measures were taken to upgrade the company over the years. The turnaround point was through acquisition of Lotus by Proton, Proton  is gaining the advantages from lotus in term of a major RD house through the well regarded  Lotus  Engineering as well as enter into European market which have been traditionally less responsive to Proton. Since Proton did the usual mistake among late coming automakers exporting from the very start to expand to the most competitive markets in the global North, it had made Proton suffered poor image quality. Thus, Proton regain the opportunity to go after a completely different customer segment without eroding the Proton brand in European market through acquired Lotus (Abdur-Rahman Syed, 2011). Future Expansions Partnership Proton has expanded over 50 countries in the world but they have yet to capture a big presence in Asia nations. As we know, India has the worlds second largest population in nations after China. Proton should target India to expand their operations since Indias market is not as compact as China yet which is still very prospective. As the failure of developing a concrete partnership agreement between German automaker Volkswagen and Proton (Paul Tan, 2006), Proton should gain another partner to broaden their market. Thus, we suggest Proton to pursue a partnership with the Japanese car-maker, Maruti Suzuki, a subsidiary company of Suzuki Motor Corporations which is a carmaker leader in India. Maruti Suzuki is a leading automobile manufacturer and the market leader in India car segment. By having a partnership relationship with Maruti Suzuki, Proton can easily capture the Indian market by the existence of well brand reputation of Maruti Suzuki in India. Maruti Suzuki has established a highly profitable joint venture with the India government that creates nearly monopolistic trade in the Indian automobile market. This is also one of the reason why Maruti Suzuki able to become Indias largest passenger car company. Through this joint venture, Proton can avoid many complex regulatory procedures from government department while entering India market. On the other hand, in order to continually dominate India domestic car market opportunities, Proton can propose to Maruti Suzuki with its multi-purpose vehicle (MPV), Proton Exora to be launched to the India domestic market. Although Maruti Suzuki has its own MPV in India but the price is much higher than Proton Exora. Indias car market does not have much (MPV) with a lower price. Proton Exora can offer a lower price than other MPV cars currently existing in the market. The proposal is likely to be successful because the MPV cars price is much higher than Proton Exora. Besides, Proton can collaborate with Maruti Suzuki in making diesel-powered car. The demand for diesel-powered vehicles has surged in the country following the widening gap between prices of petrol and diesel. (Maruti Suzuki may not meet 10% sales growth target in FY13, 2012) The gap between prices of petrol and diesel widening from Rs9.83 to Rs25 now, obviously there has been a shift in demand towards diesel. Proton can support the manufacturing process of diesel car by exporting their technology from Malaysia to India. For example, Lotus Omnivore engine which offers a 10% increase in fuel efficiency compared to stratified direct injection engines. Based on Protons current practices, we know that Proton is exporting their cars to its major countries like United Kingdom. This practice indicates that their exporting strategy is too narrow because they just focus on exporting large units in one country. Proton should focus more in exporting large units of cars to ASEAN country like Indonesia, Thailand, Vietnam, Pakistan and so on. It is because these countries have the lower-cost based locations where it can provide low-rate of warehouse to put their cars (Hills, 2011). Moreover, it can also lower the paid for substantial costs of establishing manufacturing operation compared to United Kingdom (Hills, 2011). Another issue of exporting cars is the transportation costs; in which it requires high exporting cost to export car units to other countries (Hills, 2011). This will lead to low profitability and high expenses. Proton should try another mode entry instead of exporting, they can choose manufacture their car units regionally like wholly owned subsidiaries (Hills, 2011). Recently, Proton has selected a new entry mode like joint ventures with Chinas Hawtai Motor Group Ltd in China (Zaharin, 2011). The disadvantage of this practice is risky because it will reduce Protons controlling power to its partner (Hills, 2011). For example, Proton Exora and P3-21A only can sell in China and it is under Hawtai brand. It shows that Proton has no power to make any decision in China market. In addition, Proton would not have the full control over their partners. A good example, all models will be manufactured by Hawtai Motor Group for redeveloping to substitute Proton models in China (Zaharin, 2011). Furthermore, this practice would lead to battles and conflicts for control between the firms if their main objectives and goals are different and it may arise different point of views. For example, Proton Holding Berhad and Mitsubishi Motors Corporation where the partner give a slow pace of technology transfer and lead to end up their partnership in 2005 (Tan, 2005). This kind of problems would be serious if both of the firms are from different country due to the different views and perceptions. In order to prevent this problem arise, one of their partner must have a full controlling interest (Hills, 2011). Acquisition Acquisition is a good expansion strategy to be implemented but a suitable acquisition is vital in order to make profit. Acoording to Proton Cars Berhad managing director, Dato Syed Zainel, Proton is looking forward to be more export oriented in the future. Protons strategies dovetail particularly in the areas of quality enhancement and improvement, cost improvement and enhancement of production efficiency (Future plan- Proton, 2008). In my opinion, Proton should acquire carmaker which has more similarity of car category as Proton such as Mitsubishi. Instead of partnering with Mitsubishi, Proton should acquire their company since Proton is funded by government and has higher capital compared to Mitsubishi, a fully private owned company. Mitsubishi is also a well recognized carmaker company globally which can help Proton to boost up its brand name. Currently, Proton is already the partner of Mitsubishi Corporation under the partnership with EON Berhad since 2005 (Mitsubishi Motors, 2012). Mitsubishi is making losses in the European countries due to difficult operating environment and in debt-hit continent and is expecting to end manufacturing automobiles in Europe by end of 2012 (Loss-making Mitsubishi, 2012). This condition would be a favorable opportunity for Proton to acquire Mitsubishi. By acquiring Mitsubishi, Proton can gain benefit by sharing Mitsubishis global network to make exportation to uncovered regions such as North and South America, Africa and Oceania which are already the global network of Mitsubishi (Global Network Mitsubishi, 2012). In North America, Proton can export its car to countries like United States, Canada and Mexico which made up of high income (U.S.A), middle income (Canada) and lower income (Mexico) customers. With these varieties of income level, Proton should export cars of different price ranges to fulfill the American requirements. Currently, Proton does not export their cars to United States of America due to strict regulation of their government. By acquiring Mitsubishi, Proton can gain benefit by indirectly scheming into the American market. In Africa, Proton can export its car to countries like Zimbabwe, Nigeria and Kenya which mostly are made up of low income citizens which cannot afford expensive cars. Proton can produce cars which are of lower prices compared to prices of other carmaker companies offering them in the market to capture the African market. Meanwhile, Proton can scheme into customers that are not so fussy in countries like New Zealand and Palau in Oceania. Oceania societies are not very fussy in picking up car brand like Proton may be new to them but able to prosper at the same time. Other than using Mitsubishis global network to do exportation, Proton can get benefit by adopting Mitsubishis Japanese technology which is very innovative, effective and efficient. As we know, Proton often criticized for not being innovative enough in designing their car models. By acquiring Mitsubishi, Proton can gain full ownership of Mitsubishis Research and Development centre. Thus, Proton can send its local engineer to learn the Japanese innovation and technology. Mitsubishis technology also can benefits Proton by enhancing the quality and production efficiency of Protons car and making cost improvement As mentioned in the current expansion, Proton had acquired Lotus which has a strong market branding in the European continent (Lotus Purchased by Proton, 1996). Proton can use Mitsubishi technology to manufacture their cars and at the same time uses the Lotus branding to market their cars to the European continent to reposition both Mitsubishi and Proton among the European countries. By acquiring Mitsubishi in the future not only Proton can improve the production of their car in terms of quality but can also globalize our local brand across all continents. Conclusion In conclusion, Proton is an example of successful national car maker. Due to strong government support, Proton car became an icon of both personal and national success in Malaysia. Proton provides good quality and affordable car in order to encourage local residents to purchase and promote patriotism. There are plenty of ways of expanding a business. Proton has been expanding their business in other countries to fit the customers changing needs and also competing in this highly competitive market. The first current expansion strategy used by Proton is by exporting their product to other countries. Proton had successfully penetrated into United Kingdom, South America as well as Asian countries after meeting a number of challenges in terms of quality problems and regulations of other countries. Subsequently, acquisition is also one of the expansion strategies. Proton had acquired Lotus after ended its partnership with Mitsubishi. Proton is gaining the advantages from Lotus in term of a major RD and expertise to develop its own engine without relies on Mitsubishi. In 2011, proton has joint venture with Chinas Hawtai Motor Group Ltd to extend their expansion to China. Proton will license its current models which are Proton Exora and the upcoming model presently coded P3-21A to Hawtai Motor Group to extend their brand to worldwide so that everyone in different country can recognize their brand. Proton Holding Berhad was carrying out partnership with Mitsubishi Motors Corporation which is located in Japan. This partnership was a failure due to the lack of technology transfer in year 2005. On the other hand, we recommend Proton to pursue a potential collaboration with the Japanese car maker which is also the car maker leader in India, Maruti Suzuki. Maruti Suzuki is a leading automobile manufacturer, therefore it can easily capture the Indian market by the existence of well brand reputation in India. We also recommend Proton to collaborate with Maruti Suzuki in making diesel-powered car due to the reason of demand for diesel-powered vehicles has surged in the country following the widening gap between prices of petrol and diesel. Proton can also use acquisition for their future expansion. We recommend Proton to acquire Mitsubishi and use the Mitsubishi technology which can help in enhancing quality and productivity as well as cost improvement of Protons cars and at the same time uses the Lotus branding to market their cars to around the world. Mitsubishi also has a wide global network which they had already expended to all regions in the world. By acquiring Mitsubishi, Proton can benefit from using their global network to do exportation. To achieve an excellent result, Proton will have to constantly strive to be at the forefront of the industry. Proton also has to persistently improve its products and services in the wake of increasing competition in this market. Their mission is to dominate the pursuit of being the first choice of car making company for Automotive Products Services.

Economics of Market Failure :: Government Intervention

Market failure has become an increasingly important topic for students. In simple terms, market failure occurs when markets do not bring about economic efficiency. There is a clear economic case for government intervention in markets where some form of market failure is taking place. Government can justify this by saying that intervention is in the public interest. Government intervention occurs when markets are not working optimally i.e. there is a Pareto sub-optimal allocation of resources in a market/industry. In simple terms, the market may not always allocate scarce resources efficiently in a way that achieves the highest total social welfare. There are plenty of reasons why the normal operation of market forces may not lead to economic efficiency. Public Goods Public Goods not provided by the free market because of their two main characteristics  · Non-excludabilitywhere it is not possible to provide a good or service to one person without it thereby being available for others to enjoy  · Non-rivalrywhere the consumption of a good or service by one person will not prevent others from enjoying it Examples: Streetlighting / Lighthouse Protection, Police services, Air defense systems, Roads / motorways, Terrestrial television, Flood defense systems, Public parks & beaches Because of their nature the private sector is unlikely to be willing and able to provide public goods. The government therefore provides them for collective consumption and finances them through general taxation. Merit Goods Merit Goods are those goods and services that the government feels that people left to themselves will under-consume and which therefore ought to be subsidized or provided free at the point of use. Both the public and private sector of the economy can provide merit goods & services. Consumption of merit goods is thought to generate positive externality effects where the social benefit from consumption exceeds the private benefit. Examples:Health services, Education, Work Training, Public Libraries, Citizen's Advice, Innoculations Monopoly Few modern markets meet the stringent conditions required for a perfectly competitive market. The existence of monopoly power is often thought to create the potential for market failure and a need for intervention to correct for some of the welfare consequences of monopoly power. The classical economic case against monopoly is that  · Price is higher and output is lower under monopoly than in a competitive market  · This causes a net economic welfare loss of both consumer and producer surplus  · Price> marginal cost - leading to allocative inefficiency and a pareto sub-optimal equilibrium. See also the study page on economic efficiency  · Rent seeking behaviour by the monopolist might add to the standard

Samuel Beckett Described His Waiting for Godot as a Tragicomedy. to What Extent Is This Is an Accurate Description? Would You Say There Is More Tragedy Than Comedy or a Mixture of Both?

Samuel Beckett described his Waiting for Godot as a tragicomedy. To what extent is this is an accurate description? Would you say there is more tragedy than comedy or a mixture of both? Through the use of many linguistic, structural and comic features, Samuel Beckett’s Waiting For Godot successfully places a wayfaring line between the two genres of tragedy and comedy. With the opening showing the two main characters Vladimir (Didi) and Estragon (Gogo) in a barren setting with useless props such as Gogo’s boot and Didi’s hat and a leafless tree, there is an instant confusion created with a question as to whether this is truly a comedy at all.Estragon’s statement ‘Nothing to be done’ starts the production off very cleverly as it is a true concept through the play; there is actually nothing being done by any character. It all seems to be useless rambling in the wilderness. There is no control in Didi and Gogo’s lives due to the obsession w ith waiting for Godot. Because of this they never bring themselves to leave. This leads the audience to ask the question. ‘Is this really a tragicomedy or just a Tragedy? Seeing these men are obviously wasting their lives’.Undoubtedly, Godot has comical elements with classic comedic actions such as trousers falling down and the struggle to take off a boot. With events like these in the play it is seen as direct, classic, light-hearted humour but with a deeper understanding we see this light-hearted humour with dark tragedy. The two however placed together do unarguably play essential roles in completing the play. Tragedy is evident in the play but undeniably there comedy, Comedy that maybe even encourages the tragedy? ‘What about hanging ourselves? ’ ‘Hmm.It’d give us an erection! ’ here there is definite sexual comedy; the idea of getting an erection would have been uncomfortable yet comical at the time and even now. However, although t here is humour in the topic, there are too tragic concepts with the results of the hanging being getting an erection or death. There is a heavy sense of satire comedy through the play Godot; the high ridicule of social class is endless with Gogo and Didi as the unwise, dirty tramps that live in ditches and Pozzo as the foolish, stuck up rich ruler with Lucky the animal like slave.The sense of satire causes the Superiority effect which is the idea we laugh because we feel superior to those in the play. We see this where Estragon tells Vladimir he spent the night in a ditch and was beaten up. ESTRAGON: in a ditch. VLADIMIR: A ditch! Where? ESTRAGON: Over there. †¦ ESTRAGON: Beat me? Certainly they beat me Here it’s taken very lightly that Estragon was attacked while trying to sleep in a ditch. Michael Lindsay-Hogg’s version of the play shows them to act and talk about this incident in a quite jokingly way and don’t actually pay too much attention to the serio usness of him sleeping in the ditch.Here the audience laugh because they possibly feel superior to the idea of someone sleeping in a ditch while they sleep in their houses especially since the majority of the audience was wealthy enough to attend the theatre as it was a luxury in the 1950’s; They would have had the time and the money to go and watch plays after the war seeing as rationing did not end until the 60’s. This made it easier to create the feeling of Superiority Beckett has provided through the two personae of Didi and Gogo.So even though it was comical, one cannot deny that sleeping in a ditch and getting attacked is also tragic. Ian Mackean said ‘Samuel Beckett's plays contain many comic features but are not comedies in the usual sense, and it is unlikely that an audience would actually laugh at them. Often our laughter at a comedy involves a feeling of release in response to the transgression of some rule of social conduct acted out by the performer. ’ This is very true in the sense that the characters we find funny are not in funny situations.For example the character Lucky is drawn from Tragedy. Being treated as a literal animal because he is a servant, Lucky not only supports the tragic concept but contributes to the stock character of the silly old fool being played by Pozzo. The stage directions for Pozzo and Lucky’s entrance are very important in getting the idea of a slave and master across in the first appearance. Lucky is the first to appear followed by the rope around his neck and then Pozzo. ‘Enter Pozzo and Lucky.Pozzo drives Lucky by means of a rope passed round his neck, so that Lucky is the first to enter, followed by the rope which is long enough to let him reach the middle of the stage before Pozzo†¦Ã¢â‚¬â„¢this is where tragedy takes place the most as Lucky’s character is quickly shown to be animalistic and neglected with no human rights. He’s then spoken to in a neglectf ul, demining way and is made to tend to Pozzo’s every need. ‘On! ’ ‘Back’ with one worded instructions the audience is made to feel sorry for Lucky and sympathise with him.But for some reason, Lucky’s misfortune also brings humour to the play, the audience sympathise with his character only because they feel bad for finding his situation funny which supports Ian Mackean’s theory. We laugh at Pozzo because of his foolishness, ignorance and over-exaggeration. ‘I must be getting on†¦unless I smoke another pipe before I go. What do you say? †¦. I’m not in the habit of smoking two pipes one on top of the other, it makes my heart go [hand on heart, sighing] pit-a-pat’ the over acting of putting his hand on his heart makes the audience as said before laugh at his ignorance.It’s as if he has no idea how desperate he is to stay and talk to Didi and Gogo so unconsciously makes up and excuse of smoking a pipe t o stay longer. It can be assumed that Pozzo is lonely. Whatever it is Pozzo takes a while before leaving making up a number of reasons why he should stay. It may even be questioned ‘is this in itself tragic? ’ If he is lonely and seeks friendship from two tramps even though he is rich it makes the audience and those who study the play think what has happened to Pozzo in his past to bring him into this situation.It causes confusion as to whether Pozzo’s character is a source of comedy or tragedy. I would suggest that there is a definite source of both genres however his character is used more for the comic feel. Beckett’s use of leitmotifs in the play is another element that contributes to the idea of comedy and tragedy being paired once again. Every once in a while throughout the comedy, estragon will suggest they leave and the answer ‘we can’t’ when asked why, Vladimir replies with ‘we’re waiting for Godot’ or Estra gon will ask ‘what do we do now? and Vladimir will reply with ‘wait for Godot. ’ As an audience we laugh or see this feature as being comical because Estragon is forgetful and seems very stupid. It’s almost like it’s a pantomime; the audience knows the obvious answer but the character doesn’t. Yet looking at the use of repetition in depth brings forth the idea of Gogo’s frustration in their situation in life. Maybe the constant questioning of what to do is because unconsciously is saying he doesn’t want to wait for Godot that he in fact wants to do something else in life.Gogo’s memory is a certain source of comedy throughout the play but it’s possible his forgetting is not due to bad memory but it is motivated. He forgets that they were there yesterday because he doesn’t want to admit he spends his life on repeat waiting for Godot on and empty promise from his one and only friend Vladimir. This gain suggests the play is tragic. In the end, the men talk again about hanging themselves. This time there is no mention of an erection and the reason they don’t do it because they don’t have a rope. ‘with what? ‘you haven’t got a bit of rope? ’ this suggest a more serious thought of suicide. There is no comic language connected unlike the first time mentioned sending the idea they are truly frustrated. The audience at this point actually stop to think and realise the seriousness of the suggestion of hanging whereas before it was ignored because of the sexual language. This again fundamentally contributes to the idea the play is a tragedy. Beckett’s additional use of structure again helps identify the significant genre of the play.He used formal symmetry where each act ends the same with a slight difference, the end of act one ends in this manner: ESTRAGON: Well, Shall we go? VLADIMIR: Yes, let’s go. [They do not move] Whereas act 2 ends like this: VLADIMIR: Well? Shall we go? ESTRAGON: Yes, let’s go. [They do not move] Apart from the slight change in punctuation and who says which line, the endings are almost identical insinuating the feeling of forever waiting and frustration along with the idea of being stuck in limbo as things repeat themselves.The change in character in asking ‘shall we go? ’ can be interpreted as both men having their doubts as to if what they are waiting for is worth it and the fact that they do not moved shows they are not entirely sure as to if they will miss out if they move so they end up never leaving. The question mark that appears after well at the end of the second act could suggest that Vladimir is trying more to leave wherever they are and in his conscience is really frustrated knowing that Godot is not coming.Therefore he tries to persuade Estragon; however it was not enough for them to let go of the fear of missing Godot. This again provides the idea that Beckettâ⠂¬â„¢s play is tragic. The views throughout the play are very nihilistic. As he metaphorically rejects social conventions like religion, the play can be interpreted as the total criticism of Christian beliefs like the second coming of Christ. Godot (possibly representing Christ) never comes however they dedicate their lives to waiting for his appearance.This ridicules Christians telling them life is pointless and there is in fact no God, No eternal life, no Jesus and no meaning. Showing this in the form of a comedy Beckett almost mocks those who are still foolish enough to believe in these non-existent deities. Therefore instead of Tragedy, it’s a purely comic view of religion. This is understandable as society had witnessed and heard of traumatic events after the world war and the questioning of God was inevitably going to raise discussion. To conclude, Samuel Beckett’s Waiting for Godot has somewhat been inappropriately titled as a tragicomedy.It has combined the com ic and tragic elements together but has tragedy as a dominant aspect throughout the play as a whole has with Vladimir and Estragon’s vain wait for something that never comes. For the play, Beckett has focused his attention on the suffering of others. It’s evident that the majority of the play relies on Vladimir and Estragon waiting for something to come and alleviate them of their boredom. There is a mixture of both genres but it is an unequal one- With tragedy under toning the play throughout even within the humour. Tunrayo Sadiq Word count: 1,899

American Literature Order

As I lay dying by William Faulkner tells the story of the death of Addie Bundren and the trials her family undergoes as they carry her body to Jefferson, Mississippi, for her burial. Addie’s husband, Anse; her four sons, Cash, Darl, Jewel and Vardaman; her, daugter Dewey Dell; and several neighbors all reveal their relationship to Addie in the course of the story. A series of mishaps besets the family; in crossing a flooding river. The mules drown, Cash’s leg is broken, and the coffin is upset and rescued by Jewel.Later, in the story the family rests at a farmhouse, where Darl sets fire to the barn, in an  attempt to destroy the now-putrescent corpse; again the coffin is rescued by Jewel. The family reaches Jefferson to bury Addie; Karl is taken to the insane asylum, and Anse acquires a new wife. It is revealed in the course of the narrative that Jewel was born of Addies illicit affair with Whitfield, who is local preacher.Addie’s relationship to Anse had been spiritually and emotionally barren of feelings, and was based on words alone. Significally, Jewel is a silent man and is active and passionate, while Darl is sensitive and is perceptive, as he is living inside the world of his own mind.The story unfolds in some sixty short sections, each labeled with the name of the character who is to narrate his or her thoughts and perceptions next. Like THE SOUND AND THE FURY, Faulkner, utilizes the stream of conscious technique. AS I LAY DYING is a grim story of the ordeals of fire and water, the novel is often called comic, ending with the new wife, who is â€Å"Duck-shaped† and popeyed. The point of view in Faulkner’s AS I LAY DYING I find is an experiment in narrative Page 2 writing. The language in which Faulkner utilizes with each character as they turnsnarrating the story is highly subjective and highly. Each character having a recognizable change in their individual voice. Each character lends a different characteristic to t heir section from confessional to a stream of consciousness. The novel itself is a collection of inner monologues, which consists of fragmented passages that piece together Addie Brundren’s story of her death and the transport of her body to Jefferson. The story demonstrates unity, although the narrative appears fragmentary. The story is limited to the span of only a few days, and the sub-plots are interwovenlogically. It is to the reader’s advantage that the authors innovative unified set of events forces the reader to look at the story from different perspectives, from which are highly subjective. Faulkner made use some of this technique first in THE SOUND OF THE FURY. However in AS I LAY DYING, he provides the reader with an even greater range of voices. Additionally, THE SOUND AND THE FURY, also provides a clearer distinction between reliable and unreliable sources. The voices in AS I LAY DYING are many and ambiguous. Darl is the first narrator and most important o f the novel. He is alsosensitive, intuitive, and intelligent. His monologues are more eloquent and represent the most intricate representation of the process of thought. Some of the other interior monologues are straightforward, except Darl’s, which is more of a stream-of- consciousness. One of the challenges of the novel is the complete absence of an objective perspective. All we learn about the characters in the novel is told to us through the eyes of a subjective narrator, because of Darl’s sensitivity and isolation from the other Page 3 characters involved in the story. The readers relay on his version of the events happeningin the story. Darl is eloquent and intelligent and is also isolated. Isolation plays a recurring role in the novel. The novels unique structure highlights the characters isolation. An example of this is when Darl tells the readers what he alone can observe, and his isolation is the most poetic and the most tragic. The readers feel, from the ver y first section, the strong sensory and sensual images in Faulkner’s novel. Although the novel takes the form of interior monologues, each character in the novel is powerfully influenced, in their own way by the physicality of their own place in the world.The place in society, women have during the time of the novel are pieus, Isolated, lonely and annoying to the reader and the other characters in the book. Dewey’s Dell isolation is apparent in her narrative. The only daughter of the family, Addie’s death leaves her as the sole female. This role might explain the possessiveness she feels as she watches over Addie. She is lonely, isolated and is suffering from it. Some part of her excepts and enjoys this isolation. She resents and fears Darl because he intuitively understands her isolation and can see her secrets. Dewey Dell seems partial to Darl mostof the time. Both enjoy a closeness and love that is evident to the others in the family. However, she voices rese ntment in the first section; that explains her actions later in The in the novel. â€Å"And That’s why I can talk to him with knowing with hating because he knows. † (23) In the character of Cora Tull, Cora’s self-righteous and irritating piety comes through clearly. Her daughter Kate seems healthier in comparison as she complains Page 4 about the insensitivity of the rich. Cora’s attitude of acceptance seems kind at first, however turning out to be self-righteous and angry in the end.Cora continues to tell the reader about the cakes, thinking about them again without reason and continuing to take comfort in the power of God â€Å"Who can see into the heart. † (4) Cora’s interior monologue is she does not have to judge the rich because God will. Kate, and Eula are preoccupied with Cash, Darl, and Jewel and the possibility of future matrimony. Kate speaks with some scorn about Jewel’s fiery nature. Kate also speaks with scorn about Ans e, predicting that if Addie dies Anse will find a new wife before cotton-picking time. Darl narrates the death of Addie Brundren.He tells the readers that Addie wanted to see Jewel. Anse informs her Jewel and Darl have gone off to ship lumber. Addie calls out to Cash, he fits two boards together for her to see. She looks at Vardaman, and it seems as if the light leaps back into her eyes, then suddenly goes dead. Weeping hysterically, Dewey Dell throws herself on her mother’s dead body while Vardaman, terrified, slips out from his mother’s room. Religion plays a role in these characters lives by way of the author who is critical of the religious characters of the book in a sense they are often blinded by theirown piety. Many of the characters muse about God and man throughout the novel. Faulkner seems to be critical of simplistic Christianity. Eg: Minister Whitfield is revealed as a self-satisfied hypocrite who is hiding his transgression with Addie and yet is maintains that he has wrestled with devil and won. Cora’s piety grows increasing annoying throughout the novel especially when it becomes clear she ignores any fact which will contradict her beliefs. The Tulls and Peabody’s provide valuable outsider Page 5 perspective. They universally condemn Anse, for his laziness and weakness. Tullnotes that one can always tell Anse shirts apart: â€Å"There are no sweat stains, the implication being that Anse never works. † (27) Meanwhile the Bundren’s opinions vary. Cora is extremely fond of Darl, she sees a sensibility and gentleness in him than any other Bundren. So much so that she seems to have illusions about him. She believes he begged to stay with Addie instead of delivering the lumber. She claims in her monologue that Vernon had told her too, while in Vernon’s own monologue we get the exchange with Darl. As Vernon’s Tull’s monologue depicts it, Darl hesitates and seems sad aboutleaving while Addie dies, however he does not beg. This example highlights the complexity of the characters In AS I LAY DYING. The readers listen to the strong opinions of how each character feels about the other. Interior monologue is usually emphasized far more than dialogue. While dialogue is used to reveal the way the characters would provide more objective evidence, we would lose the psychological complexity of the character portraits. Faulkner depicts the structure of what the novel suggests, real intimacy and tenderness are close to impossible in the Bundren family.Work and reality of poverty darken all aspects of life, hope, and longing are always expressed alone. The family lives in squalor with cramped conditions, and yet isolation is one of the families trademark. For eg: Darl reflects on his boyhood, and the first time he’s masturbated. Cash is sleeping not a few feet away, however Darl does not know if Cash is doing the same thing. Solitary masturbation in the dark is the only glim pse we get of Darl’s and sexuality. Addie’s death reminds us again of the harshness of rural poverty. The Page 6 themes of poverty and work run through the novel.Motherhood depicted in the novel is is life-destroying venture, without life or happiness. Peabody says of Addie and her fierce unspoken insistence that he leave the room: â€Å"Seem them women like Addie, drive from the room them coming with sympathy and pity, with actual help, and clinging to Trifling animal to which they never were more pack-horses† (41) Even more striking is the description of Addie’s hands. â€Å"The hands alone still with any semblance life, are curled, gnarled inertness; a spent yet alone quality from which weariness, exhaustion, travail has not departed, as though they doubted even yetthe actuality of rest, guarding with horned and penurious alertness the cessation which they know cannot last. † (46). Addie’s hands bear the mark of her hard life on Earth. De wey Dell’s thoughts are very muddled in the book. She doesn’t speak with the complicated, and eccentricity of Darl, however instead in a voice near-hysterical with worry. Her mother’s death is deeply painful to Dewey Dell. She throws herself upon Addie’s dead body, with an unexpected intensity. She has lost her lover, who has abandoned her and left her pregnant. Dewey Dell’s isolation is clear however she is soUsed to being alone that she begins to resent people’s intrusions. Darl earns her resentment for example, because of how intimately he understands her. Even more Intrusive is the baby growing in her womb, which leads Dewey Dell to realize she must begin to worry about finding a way to end her pregnancy. The third section of the novel has Vardaman narrating. He is disturbed by the idea of shutting Addie up in the coffin. He speaks as if confused about the wonders of town and the mysteries of his mother’s death. He doesn’t understand he’s a country Page 7boy and why there is a difference between the city life and the country life. He doesn’t understand the idea of death and his thoughts are confused when he compares Addie’s dead body to a dead fish. He feels the need to get Vernon, because he thinks Vernon saw the fish. A storm has began as Tull narrates. He is woken by Peabody’s passing team. Cora hears the noise and thinks Addie has passed. She wants to hitch up and go to help, but Tull prefers to wait until they are called. Vardaman, arrives at the door dripping wet and speaking incoherently about fish. His babbling is strange and eerie, andTull shares in the reader’s reaction. â€Å"I’ll be durn if it didn’t give me the creeps. † (63). Both Vardaman and Darl are taken by questions of being, consciousness, and identity. His mother’s death has only added confusion to these questions; Vardaman does not understand how something that  "is† can become a â€Å"was. † In other words destructive power of time. The terror of morality, and the mystery of no longer ceasing to exit on Earth becomes it is too much to handle for Vardaman. In his mind, his mother has become something else. Vardaman, turns death into a transformation. Eg: his mother is a fish.He imagines her as a rabbit, because she has gone far away, just like rabbits. He is also disturbed by the fact that they are going to eat the fish. Vardaman struggles to find teleology for the events around him. He tries to connect what happens to reasons, when in fact often things happen for no good reason at all. He blames his mother’s death on Peabody, because he believes Peabody’s arrival preceded his mother’s death. His reasoning though clearly incorrect, however it is much more reasonable than the rest of the characters explanations and thoughts in the novel. Reference Site: AS I LAY DYING By William Faulkner.

MLA Referencing †Citing Ebooks

MLA Referencing – Citing Ebooks MLA Referencing – Citing Ebooks The days when â€Å"book† immediately implied a physical, papery object are now behind us. Many students, for example, now use ebooks in research. After all, they’re easy to access, and you can carry around an entire library without suffering any risk of a broken back! Once upon a time, it would have taken an entire building to store all the books on here. But referencing ebooks in MLA can be complicated, since it depends on whether you’re talking about an ebook accessed via an e-reader or found online. In this post, we look at how to do both. In-Text Citations Thankfully, the actual citations for an ebook are the same no matter where you found it, requiring only that you give the author’s surname and the page number(s) of the section being cited: The rise of the ebook has resulted in an increase in self-published works (Falco 44). Of course, not all ebooks feature page numbers. In such cases, you can use a chapter, section and/or paragraph number instead: Falco claims that self-published writing often â€Å"suffers from a lack of editing† (ch. 4, par. 2). However, this only applies when the book contains chapter and/or paragraph numbers. If none are available, simply leave them out of citations. (Ebooks Accessed Via an e-Reader) When an ebook is only accessible via an e-reader or software on your computer, MLA referencing treats it as a specific edition of a print book. As such, the format to use in the â€Å"† list is as follows: Author Surname, First Name. Title. Ebook. Publisher, year of publication. In practice, a full reference for an ebook would look something like this: Falco, Andrew. The Death of Print. Ebook. PMP Publications, 2013. While â€Å"ebook† is acceptable if the source isn’t in a specific format, usually you’ll want to include more detail about the version consulted here. You should also include any other information about the edition here. For example, the second edition of the Kindle version of a book would be listed as: Falco, Andrew. The Death of Print. 2nd ed., Kindle. PMP Publications, 2015. (Ebooks Accessed Online) For online editions of a book (i.e., books accessible via the internet rather than an e-reader), the format is a little different. The key thing to remember is that references for online books require a database and DOI or URL through which they can be accessed: Author Surname, First Name. Title. Publisher, year of publication. Database, DOI/URL. As such, the reference for an online book would be more like the following: Morris, William. The Art of Printing. H. M. O’Kane, 1902. Project Gutenberg, www.gutenberg.org/files/31596/31596-h/31596-h.htm. But will ebooks ever be this pretty?

Literture and emotions essays

Literture and emotions essays Literature is most certainly an outgrowth of its culture. Also it provides information on the current events and the status of that particular country. It offers insight as to what people are thinking and feeling. Not to mention that it brings sun light upon the history of the era. Literature does reflect the thoughts and feelings of its culture and this is clearly seen with many characters of the United States facing disappointment, uncertainty, bitterness, the loss of youthful naive optimism, self- centeredness and many more emotions all humans face. In The Sculptors Funeral by Willa Cather, Jim Laird is most definitely the most significant character, for he is the one that understood the Harvey Merrick. Many reasons can be argued for that fact, but one factor remains for sure; he was an idealist and realist who could identify with him, for he was a link between Boston which some say represent the world and that community in Kansas. Jim Laird reflects the thoughts and feelings of the culture through his disappointment. For this was a man who sought to be an idealist, but he failed. For he said, Well, I came back here and became the damned shyster you wanted me to be. Hence, one can see that his disappointment in becoming what he wanted to be- failed and he had to become a lawyer. This was definitely reflective of the times, for materialism and idealism were waging war against one another. Also Jim Laird said, Oh, youre discriminating Christians... a genius should ever have been called from this place of hatred and bitter waters... upon which town may God have mercy! Here one may see that when he defended the successful idealist known as Harvey, that he acknowledged that although he failed, Harvey went after his dream and go it. And for ...

Legendary Detective Thomas Byrnes

Legendary Detective Thomas Byrnes Thomas Byrnes became one of the most famous crime fighters of the late 19th century by supervising the newly created detective division of the New York Police Department. Known for his relentless drive to innovate, Byrnes was widely credited for pioneering the use of modern police tools such as mugshots. Byrnes was also known to get very rough with criminals, and openly boasted of having invented a harsh interrogation technique he called the third degree. And though Byrnes was widely lauded at the time, some of his practices would be unacceptable in the modern era. After attaining widespread celebrity for his war on criminals, and becoming chief of the entire New York Police Department,  Byrnes came under suspicion during  corruption scandals of the 1890s. A famous reformer  brought in to clean up the department, future president Theodore Roosevelt, forced Byrnes to resign. It was never proven that Byrnes had been corrupt. But it was evident  that his friendships with some of the wealthiest New Yorkers helped him amass a large fortune while receiving a modest public salary. Despite ethical questions, there is no question Byrnes had an impact on the city. He was involved with solving major crimes for decades, and his police career aligned with historic events from the New York Draft Riots to well-publicized crimes of the Gilded Age. Early Life of Thomas Byrnes Byrnes was born in Ireland in 1842 and came to America with his family as an infant. Growing up in New York City, he received a very basic education, and at the outbreak of the Civil War he was working at a manual trade. He volunteered in the spring of 1861  to serve in a unit of Zouaves organized by Col. Elmer Ellsworth, who would become famous as the first great Union hero of the war. Byrnes served in the war for two years, and returned home to New York and joined the police force. As a rookie patrolman, Byrnes showed considerable bravery during the New York Draft Riots in July 1863. He reportedly saved the life of a superior officer, and recognition of his bravery  helped him rise in the ranks. Police Hero In 1870  Byrnes became  a captain of the police force and in that capacity he began  investigating noteworthy crimes. When the flamboyant Wall Street manipulator Jim Fisk was shot in January 1872, it was Byrnes who questioned both victim and assassin. The fatal shooting of Fisk was a front-page story in the New York Times on January 7, 1872, and Byrnes received prominent mention. Byrnes had gone to the hotel where Fisk lay wounded, and took a statement from him before he died. The Fisk case brought Byrnes into contact with an associate of Fisk, Jay Gould, who would become one of the richest men in America. Gould realized the value of having a good friend on the police force and he began feeding stock tips and other financial advice to Byrnes. The robbery of the Manhattan Savings Bank in 1878 attracted enormous interest, and Byrnes received nationwide attention when he solved the case. He developed a reputation for possessing great detective skill, and was placed in charge of the detective bureau of the New York Police Department. The Third Degree Byrnes became widely known as Inspector Byrnes, and was viewed as a legendary crime fighter. The writer Julian Hawthorne, the son of Nathaniel Hawthorne, published a series of novels billed as being From the Diary of Inspector Byrnes. In the public mind, the glamorized version of Byrnes took precedence over whatever the reality might be. While Byrnes did indeed solve many crimes, his techniques would certainly be considered highly questionable today. He regaled the public with tales of how he coerced criminals into confessing after he outwitted them. Yet theres little doubt that confessions were also extracted with beatings. Byrnes proudly took credit for an intense form of interrogation he termed the third degree. According to his account, he would confront the suspect with the details of his crime, and thereby trigger a mental breakdown and confession. In 1886 Byrnes published a book entitled Professional Criminals of America. In its pages, Byrnes detailed the careers of notable thieves and provided detailed descriptions of notorious crimes. While the book was ostensibly published to help fight crime, it also did much to bolster the reputation of Byrnes as Americas top cop. Downfall By the 1890s Byrnes was famous and considered a national hero. When the financier Russell Sage was attacked in a bizarre bombing in 1891, it was Byrnes who solved the case (after first taking the bombers severed head to be identified by the recuperating Sage). Press coverage of Byrnes was typically very positive, but trouble lay ahead. In 1894 the Lexow Commission, a New York State government committee, began investigating corruption in the New York Police Department. Byrnes, who had amassed a personal fortune of $350,000 while earning a police salary of $5,000 a year, was questioned aggressively about his wealth. He explained that friends on Wall Street, including Jay Gould, had been giving him stock tips for years. No evidence was ever made public proving Byrnes had broken the law, but his career came to an abrupt end in the spring of 1895. The new head of the board which oversaw the New York Police Department, future president Theodore Roosevelt, pushed Byrnes out of his job. Roosevelt personally disliked Byrnes, whom  he considered a braggart. Brynes opened a private detective agency which gained clients from Wall Street firms. He died of cancer on May 7, 1910. Obituaries in the New York City newspapers generally looked back nostalgically on his glory years of the 1870s and 1880s, when he dominated the police department and was widely admired as Inspector Byrnes.

Cuba Crisis Essay Example | Topics and Well Written Essays - 500 words

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Maldistribution of physicians Essay Example | Topics and Well Written Essays - 500 words

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The importance of legitimizing PMS Essay Example | Topics and Well Written Essays - 500 words

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Healthy People 2020 Essay Example | Topics and Well Written Essays - 250 words

Healthy People 2020 - Essay Example It is noted that prejudice against LGBT individuals is connected to increased rates of suicide, psychiatric illnesses, and substance abuse. This group is also a target for victimization and violence that has a long lasting impact on them and the community. The personal safety and mental health of LGBT people is influenced by gender recognition, social acceptance of sexual alignment, personal and family aspects. From the perspective of policy development, the LGBT group needs to be given special attention to enable these people to have a healthy life and live long. The role of an advanced nurse practitioner in taking care of LGBT people is that of leadership and advocacy. The advanced nurse practitioner should be on the front line to fight for the right of LGBT individuals and their families. The roles include promoting health policy reforms, leading personal patient rights and encouraging transformation in agency regulations and rules. Through this, the LGBT patients and their families are empowered and acquire independence (Hickey & Brosnan,

Global Management Competencies Essay Example | Topics and Well Written Essays - 5000 words

Global Management Competencies - Essay Example Beyond such person-to-person skills, global organization development and consulting skill areas such as multicultural team building, technology transfer, innovation, and change management are also covered in this paper. Generic skill areas are applied and adapted to the specific business practices of different localities. Geographical examples are drawn from Asia, Europe, Latin America, Russia, and the Middle East. The business manager of today must have diversity principles at the forefront of his thinking. The contemporary catch phrase "think globally, act locally" comes to mind as a recommendation to what the business managers and executives should have for an attitude. The Internet, rapid travel capability, satellite-based communications, and corporate expansion into the level of the transnational have all contributed to making our local realms more globally connected, shrinking our world and folding us all closer together with other people of sometimes very different culture and perspective. It is widely agreed that the critical factor for companies to succeed in global competition is effective development of global managers and executives (Pucik, 2000; Bartlett & Ghoshal, 2000; Evans, 2000; Tichy & Sherman, 2003; Gates, 2001). However, in management development literature, there seems to be a great deal of confusion about the meaning of various terms defining expatriate/international/global managers. In an effort to clarify the differences between the expatriate and the global manager, this article explores the definitions of the two concepts, and explains the differences in behaviors, competencies, and characteristics of the two types of managers. The article also identifies and compares the human resource practices necessary for an effective development of the expatriate and global managers. Building and sustaining organizational capabilities for global operations is a critical challenge for most globalizing firms (Nohria & Ghoshal, 2001). Meeting this challenge requires changes in cognitive processes through which managers frame business problems (Murtha, Lenway & Bagozzi, 2000). Global thinking places high value on sharing information, knowledge, and experience across national, functional, and business boundaries and on balancing competing country, business, and functional priorities that emerge in the globalization process. This set of attitudes is often described as global mindset. The emphasis on the mindset helps to differentiate between expatriate (international) and global managers. The definition of an expatriate/international manager is linked to the location of the assignment whereas the global manager is defined by his or her frame of mind. The term "expatriate (or international) manager" defines an executive who is able to assume a Management position fulfilling

Intensive Writing - Relationship between two Articles Essay

Intensive Writing - Relationship between two Articles - Essay Example The relationship between these articles can be based on the used themes, opinions addressed and the type of society that was used in the context of the article. "Black like them" is written by Malcolm Gladwell and most of its characters are from New York and its neighborhoods. Joane Nagel, on the other hand, writes â€Å"Constructing Ethnicity Creating and Recreating Ethnic Identity and culture† and tries to explain how different ethnicities affect the choices made by individuals. The articles share several themes since they have the same historical backgrounds. They had been based on the American society during the war era. During his period, people from different parts of the world searched for ‘greener pastures hence increasing the rate of immigrants in the United States. This action brought up the issue of racism since people moved to America from different countries. From the article, "Black like them" the Malcolm uses different characters to show how racism is evident in the society. Moreover, neighborhoods have been divided along racist lines. These blocks include the whites, Blacks, Hispanics and those who were of mixed races. For example, the writer explains how a West Indian boss claims that Garden city; a middle-class neighborhood is not a place for black people. Racial discrimination is also evident in workplaces, where the Noel works in a firm with a white workmate who is paid more than him irrespective of the same qualifications and work di d. Socialists and researchers from known universities have come up numerous situations to have a better understanding of these societies. The boss was an Indian national who could not differentiate between the Black Americans and those from the Caribbean. Joane in her book "Constructing Ethnicity" relates ethnic identity and its role in racism. This is because racism has its roots in different ethnic groups.  

Global Management Competencies Essay Example | Topics and Well Written Essays - 5000 words

Global Management Competencies - Essay Example Beyond such person-to-person skills, global organization development and consulting skill areas such as multicultural team building, technology transfer, innovation, and change management are also covered in this paper. Generic skill areas are applied and adapted to the specific business practices of different localities. Geographical examples are drawn from Asia, Europe, Latin America, Russia, and the Middle East. The business manager of today must have diversity principles at the forefront of his thinking. The contemporary catch phrase "think globally, act locally" comes to mind as a recommendation to what the business managers and executives should have for an attitude. The Internet, rapid travel capability, satellite-based communications, and corporate expansion into the level of the transnational have all contributed to making our local realms more globally connected, shrinking our world and folding us all closer together with other people of sometimes very different culture and perspective. It is widely agreed that the critical factor for companies to succeed in global competition is effective development of global managers and executives (Pucik, 2000; Bartlett & Ghoshal, 2000; Evans, 2000; Tichy & Sherman, 2003; Gates, 2001). However, in management development literature, there seems to be a great deal of confusion about the meaning of various terms defining expatriate/international/global managers. In an effort to clarify the differences between the expatriate and the global manager, this article explores the definitions of the two concepts, and explains the differences in behaviors, competencies, and characteristics of the two types of managers. The article also identifies and compares the human resource practices necessary for an effective development of the expatriate and global managers. Building and sustaining organizational capabilities for global operations is a critical challenge for most globalizing firms (Nohria & Ghoshal, 2001). Meeting this challenge requires changes in cognitive processes through which managers frame business problems (Murtha, Lenway & Bagozzi, 2000). Global thinking places high value on sharing information, knowledge, and experience across national, functional, and business boundaries and on balancing competing country, business, and functional priorities that emerge in the globalization process. This set of attitudes is often described as global mindset. The emphasis on the mindset helps to differentiate between expatriate (international) and global managers. The definition of an expatriate/international manager is linked to the location of the assignment whereas the global manager is defined by his or her frame of mind. The term "expatriate (or international) manager" defines an executive who is able to assume a Management position fulfilling

Of Mice and Men Discuss in detail the lives of the itinerant ranch-hands in the novel Essay Example for Free

Of Mice and Men Discuss in detail the lives of the itinerant ranch-hands in the novel Essay Discuss in detail the lives of the itinerant ranch-hands in the novel. Why is the dream farm so important to the novel? Of Mice and Men by John Steinbeck is an emotional novel, set in the 1930s, where two friends try to achieve their dream in the cruel time of the great depression in California, America. The Wall Street crash was a massive set back in American industries, work was made very limited, so the men had to travel from job to job, to make a living. Lennie Small and George Milton like many men during this unprofitable time in the American economy roam from job to job. Men like these are called itinerant. As George stated, Guys like us that work on ranches are the loneliest guys in the world. This statement is true because these men never have a place called home, because they are always on the move. This also means they have no time to develop a family or friends. Real friendships are hard to come by, because most of the men that work on these ranches are secretive and try to keep their pasts private in case they reveal something that could get them canned (sacked). Meaning if they cant reveal their history because of fear, they will never be able to make true friends. On the ranch George and Lennie spend most of their spare time in the bunk house. Many of the men dont socialize they just keep themselves private, this also combines with the lack of woman company to create a lonely atmosphere on the ranch. Also the men are caught up in a never ending cycle of doing a months physical labour and spending most of their earnings releasing all their frustration at whore houses. So many men come to these ranches with this idea that they will work for a couple of months, save up money and get their own little piece of land but end up blowing all their money on drink and prostitutes. As Crooks said, I seen hunderds of men come by on the road an on the ranches, Hunderds of them an every damn one of ems got a little piece of land in his head. An never a God damn one of em ever gets it. From this you can see how common it was for men just like George and Lennie to depend on this dream, to give them this false hope that they might just escape this lifestyle one day. Crooks is so mocking of this dream farm because since he has never seen a man accomplish this feat, he doubts whether a man has enough determination to ever achieve it. In addition, ranch hands that are too old get canned. This makes Candy on edge because he feels that because he is seen as useless on the ranch since of the loss of his hand, his job is becoming more and more insecure the older he gets. On the ranch a lot of violence is shown to Crooks just because of the colour of his skin. The ranch hands also humiliate Crooks by making him sleep with the horses. George and Lennie are unlike most ranch hands as they travel together which is most unusual among ranch workers. As George says, I seen the guys that go around on the ranches alone. That aint no good. They dont have fun. From this you can tell that they have, unlike other ranch hands, someone they can confide in. This gives them a strength that the other men do not have. It is obvious that the dream farm means a lot to George and Lennie because it gives them some hope that they might escape this endless lifestyle. Also if they lived on their own ranch they would be free to do as they please and not listen to no one else but themselves. The farm symbolises freedom to George and Lennie, as they would be able to choose when they would like to work and who they wanted to employ, An live on the fatta the lan. Also it would be their own harvest they are harvesting, not someone elses. So it would be all their own profit. This idea of freedom appeals to Crooks and Candy because both of them are alienated on the ranch, Crooks because of the colour of his skin and Candy because of his age and disability. They see the dream farm as a chance to be equal workers. The dream farm is similar to the American Dream because the American Dream is people living by their own rules to get what they want in life. The farm is a perfect example of this because George and Lennie would live by their own rules to earn a living. Curleys wife had her vision of the American Dream. Hers was to be a Hollywood star, to be in the movies. This, whilst being an appealing and glamorous life, isnt what the dream was about. The life she wanted would not be lived by her rules, she would have had to work to deadlines and always under threat from other actresses taking her job. Unfortunately George and Lennie cannot grasp their dream because of Lennies ability to get himself into bad situations. Unluckily for Lennie this time it proved to be fatal for him. You cant keep a job and you lose me ever job I get. Jus keep me shovin all over the country all the time. An that aint the worst. You get in trouble. You do bad things and I got to get you out. Lennie, as George states has always preventing him from advancing upwards in the world, because he has always been too much of a responsibility for George who can never have faith that Lennie wont get in trouble again.

Advantages of E-banking

Advantages of E-banking Chapter 1: Introduction Introduction Nowadays, Malaysia is a multi sector economy and technology development based on the presence of many technological inventions. Traditional banking act as physical bank and delivery channel which to give customers to place or get their money out of the bank safety deposit boxes, managing checking or current accounts, paying cheques drawn by customers. However, e-banking is one of the technological inventions that give conveniences to customers to manage financial transactions on a secure website performed by retail or virtual bank, credit union or building society. E-banking is also called electronic banking which is the automated delivery of new banking services and products directly to customers through electronic, interactive communication channels. It brings many benefits and capabilities to customer compared to traditional banking. E-banking is fast and convenient way of using computer to easy access to the bank in 24hours. E-banking utilizes the internet system as the delivery channel by which to accomplish banking activity, for example, paying bills, transferring funds, viewing checking and savings account balances, paying mortgages and purchasing financial instruments and certificates of deposits (Haque et al, 2009). Internet banking enable customers to access their general information and accounts of bank products and services through PC or other intelligent device using web browser software on 24 hours a day and 7days a week, such as Netscape Navigator or Microsoft internet explorer (Mohamad, Hanudin, Suddin, Noren, 2007). The development in information technology have had an tremendous effect in development of more flexible payment methods and more user-friendly banking services in the world of banking (Serkan, Safak, Eda, 2004). There are some features that fall into several categories of internet banking which are transactional, non-transactional, financial institution administration, support of multiple users having varying levels of authority, transaction approval process and wire transfer. In transactional, e-banking act as account and financial transactions, pay bills, wire transfer and apply for loan or new account, investment purchase or sale and others. Electronic Bill Presentment and Payment (EBPP) is an electronic billing which customer can pay bill and receives payment easily, faster, and conveniently over anywhere and any times. Customer perception is interpretation of sensory mind and experienced by customer. The convenience of e-banking are attracted customers and provided no cost charged to customers. Customers have started accepting this internet service and assessing the banks based on their easy to access and convenience. With great confidence toward e-banking, customers are willing uses the internet banking to transfer fund, pay bills, and lot more with a excellent-secured system. It also can establish the relationship between trust and loyalty of customer toward e-banking. Internet banking in USA and Europe The dramatic growth in internet usage has generated a segment of customers with the ability and desire to conduct banking transactions completely online (Mathew and George, 2003). The internet explosion in the late-1990s brings people more convenience with various applications over the web. In the mid-1990s, customers using internet as monetary business transaction over the web as the financial institutions had implemented e-banking. The majority of US-based banks are escalating their investment in technology and hedging their bets while research specifies that a substantial portion of the customer base may always demand the type of personal interaction that can only be provided by individual branch personnel (Alstad, 2002). TowerGroups prediction is highlighted by CRMToday on IT spending by large banks in USA, which the amounts is 24.1 billion in 2004 as compare to 22 billion in 2002. Besides that, many US banks, such as Bank of America and Umpqua Bank are lending from social media channels, offering social networking, pod casting, web casts and other interactive tools. Now competitors can establish an internet bank for as little as $6 million in the USA compared to the cost of setting up a traditional brick and mortar bank (estimated at between $25 and $30 million) (Nathan, 1999). CRMToday (2003a) also stated that without major consumers adoption internet banking would not achieve as profitable as promise although there are increasing in amounts of online banking customers. According to the European Central Bank in 2002 (centeno, 2003), the level of services and its quality differ according to the country and the banks even though all main banks provide internet banking services. Bughin, 2001 investigated that the adoption rate is examined to be averaging only 17% of internet users or less than 6% of total bank customers. The author also stated that there are 60% internet customers do not have subject in buying books, CDs or low valued item through online but are reluctant to create online banking transactions. Furthermore, there are differences of internet banking adoption also existed among some countries in Europe. Around 18-25% of populations in Estonia are utilizing internet banking services whereas Italian bank had about no on-line customers by early 2000, banks in Malta initiated internet banking services in December 2002 (Centeno, 2003). Furthermore, there are differences of adoption among banks within the same country. Bughin (2001) stated an example, a leading banks in France have diffusion rate over 11% while minor bank such as the credit commercial de France have translated only 2% of its customers to online for the same period. Internet banking in Turkey In Turkey, there are over 18% of banking customers using e-banking actively (Jamaluddin, Osman, Sukru and Kemal, 2008). Since 1997 internet banking has been recognized as a feasible alternative distribution channel by Turkish commercial banks due to the deregulation in the financial sector, escalation of computer literacy, the rapid diffusion of electronic commerce, strong commitments to reduce operating costs, changing customer demands for innovative financial products and services and create customer convenience (Hakan, 2008). Due to the low cost of attracting customer to utilize internet banking and retaining existing innovation-demanding customers during the past two decades, most of Turkish commercial banks found it irresistible to invest large amounts in online banking although the customer take up of internet banking appeared to be very slow. In addition, the actual number of utilizing e-banking users appeared to be between 1 and 1.2 million (30%) in 2003 although 2million people (50%) were forecasted to utilize e-banking by 2003 (Akinci, 2004; Celik, 2002; Ozkan, 2003). Furthermore, in turkey the numbers of active internet banking accounts are escalating from 150,000 in 2000 to 5.5 million in 2007 and grew annually by 68 percent (Higgs, 2000). In comparison, although this illustrates that internet banking has experienced strong and sustained growth since its inception, Turkey has a lower internet banking penetration rate than that of many European countries. The research on internet banking by individual customers in the country has been required to improve customers understanding of how their particular beliefs or motives affect their utilization of the services. Internet Banking In Australia Internet banking growth continued rapidly in Australia with a 26 % increase in the internet banking customer population to 5.5 million users (approximately 34% of the adult population) going on over the 12 months to May 2005 (ACNielsen, 2005). The report stated there are over 7.2 million consumers accessed 27 millions accounts in 2003 which is an increase of 31% compared to 16.2% in 2002 (MISC, 2004). The report showed that users are more efficient in utilizing Internet banking services and transacting more amounts utilizing fewer sessions. Furthermore, internet banking services are increasingly attracted among users women and 50+ years age group is the highest growing in all category. There are 54% of Australian adults were utilizing telephone banking and an estimated 25% of employed internet banking after a period of strong electronic banking market development between 1997 and 2002. Small and medium banks in USA provide more user-friendly services than larger banks and achieved well in the area of personal internet banking, and website reliability and transactional capabilities while larger banks in Australia offer more variety services than smaller banks. Nevertheless, small and medium sized banks in Australia have found to provide more user-friendly services than larger banks and are successful in offering personal banking services. Internet Banking In Malaysia Since achieving independence in the 1957 banking activities in Malaysia has changed enormously with appearances of new technology application. In the 1980, the first Automated teller Machines (ATMs) was introduced which was be the most visible piece of evidence of the emerging electronic banking in Malaysia. ATM is a computerized telecommunications device that used for transfer funds between checking, balance enquiry, cash withdrawal, savings and credit card accounts, bill payments, making cash and check deposits and making payments to application for initial public offerings in Kuala Lumpur Stock Exchange. This technology brought the revolution were longer banking hours which unlimited beyond office hours (BNM Annual Reports, 1985-1997). Apart from this, the next changes in this evolutionary process will be the telebanking and PC-banking in the 1990s. In the early 1990 telebanking was introduced in Malaysia as delivery channel for branch financial services via telecommunications devices connected to an automated system of the bank where customers can perform retail banking transactions through using Automated Voice Response (AVR) technology. The functions of telebanking are almost similar to the ATM services except withdrawal and deposit of cash. Telebanking brings convenience, extended access and significant time saving to the customers. The insufficiency of cash withdrawal function in telebanking leads to the poor customer response to telebanking. In the 1990s, ten local commercial banks are offering PC-banking or home banking services. PC-banking is an online banking device which customer can utilize their computers in anywhere anytime for account transactions by subscribing and dialing into the banks intranet proprietary software system. PC-banking can raise speed, decrease cost and enhance flexibility of business transactions which is more suitable among corporate customers. In the half of 1990, the number of customer that utilizes this service still small. This is because they faced some problems, such as risk in transacting on the internet, lack of trust and loyalty of customer and poor of product and service quality. In this table indicates that frequency of familiarity and usage of using ATM is the highest and PC-banking is the lowest percentage. ATM can attracted all of banking customer to use this service because it really brings convenience to the customer since it can save time, reduce difficulty, and enhance flexibility of business transaction to customers. There are 80% that not using telebanking because this service cant provide any cash withdrawal function. However, PC-banking also faced lack of attraction from banking customers due to the new banking service that introduced to this country, which most of customer still unable to accept this new internet service. When customer utilize PC-banking, they may face some problems, such as risk in transacting on the internet, lack of trust and loyalty of customer and product and service quality. Furthermore, e-banking in Malaysia is become increasingly popular on developments in information technology and telecommunications. In Malaysia internet banking service (IBS) was established in six years ago (The Star, 2005). IBS is a convenience and new physical banking service which is to attain more potential customers as it allows bankers to deliver banking services to a wider segment of customers through electronic and interactive communication channels (Goi, 2005), with 12 domestic banks offering IBS to 4.5million subscribers currently (Bank Negara Malaysia, 2007). So surprisingly internet banking has become one of the popular services with 51 percent out of 8,000 of total respondents once a month. In the beginning, there are 5 Malaysia banks have invested millions of ringgit in online banking but these banks are still functioning as dial up intranet facilities. The online service is still unavailable for customers because of the insufficiency of legal framework and security concerns. The investment may be wasted due to the deficiency of important business understanding to support customer adoption if a bank introduces Internet Banking Services without a clear understanding of factors influencing customer adoption (Goi, 2005; Pires and Aisbett, 2002). In table 1 it illustrates the demographic characteristics of the internet bank users and the non-internet bank users among the sample respondents was analyzed. Mean monthly income is the only significant difference appears which it assumed that the internet bank user monthly income is highly than non-internet bank user. It also shows that there is no significant difference between the mean age of the internet bank users and the non-internet bank users. These two groups are equal in percentage of graduates and undergraduates in which both of the groups are nearly about 85%. Background of study The purpose of this research is to identify and evaluate the consumers perception toward e-banking. Consumer perception is important to bankers because of that banker can only understand and determine what customer actually wants to and how e-banking service shall satisfy them. There are some variables will be discussed which are affecting the growth of e-banking in Malaysia. From the customers perspective, internet banking assists a convenient and effective approach to control personal finances without visiting the bank and from any locations, as it is accessible 24 hours a day and 365 days in a year (Rotchanakitumunai and Speece, 2003). Through this report we will discuss about different countries have different customers perception about e-banking. This research also studies whether service or service quality will influences the trust and willingness of customer for using e-banking. Besides that, we also explore the factors which are taken to assess customer perception toward various application of internet banking. The factors that will be assessed are convenience of account transaction, flexibility, reliability, save time and cost. Internet banking is convenient, no geographical barriers, low cost and isnt bound by operational timings (IAMAIs, 2006). More than 50% of total respondents agreed that e-banking is convenient and flexible ways of banking and it also have a variety of transaction related advantages (Divya and Padhmanabhan, 2008). The purposes of internet banking consist of customer convenience through personalized service, cost containment through decline in operating cost, revenue expansion through better quality and additional non-financial services, and performance enhancement by making the service from any location (Bradley Stewart, 2002; Chau Lai, 2003; Frust et al., 2000; Suganthi Balachandran, 2001). How saving of cost and time affect the p erception of customer toward e-banking are also analyzed. So this research main purpose is to examine the variables of the actual perception of customer toward e-banking. Problem statement This research explores and examines some topics which are important elements that help in consumers perception toward e-banking. Banker should understand the need of customer so that they can improve the insufficient of the services. Banker should find out the way to attract more customers to utilize their services. In line with global trends, most customers are not focusing on this internet application. So, we need to solve this problem regarding the importance of the e-banking among customer in the local area. Customer should learn to use internet banking which can bring conveniences without going to the bank. Then customers will obtain satisfaction with the system when it provides them maximum convenience while bank transaction is occurred. The convenience of internet banking is contributing to changing patterns in cash withdrawal and day to day money management and assisting people gain greater control of their finances (Beer, 2006). On the other hand, there are few factors that lead to this problem occurrence. Firstly, not many people start to use e-banking because they still not trust on the system through internet. They will worry and always have a doubt about whether their money is safe. In addition there are few cases of fraud have been reported in online banking. The hacker wills forgery information by entering person information without the owner knowing and takes out his/her money. Secondly, there are lacks of social contact because internet banking dont have any assistance will be served to customer. It will create difficulty to the customer since in the bank there will be banker which will helps and assists customer needs. They will easily give up since there are many lack of skill problems occurred when utilizing the systems. Besides that, it is difficult to do survey since there are a lot of public are faced limitation of time, because it may take times to explain to the public. Research objective To identify what influence consumers perception toward e-banking To determine the factors that affecting consumer perception toward e-banking To find out how service quality influences internet banking user To identify the reason why customer use internet banking To solve the problem customer face toward internet banking To increase the knowledge of customer toward internet banking To improve the insufficient of the internet banking services To enhance the loyalty and trust between consumer and e-banking Significance of study This research is contributed to give customers to better understand about e-banking. There are many features and characteristics of the e-banking that many people still no realize about it. Through this research, we will interview a numeral of people and will explain about internet banking to give consumer to better understand the services that already provided to help them to ease their life. For example, CIMB offers CIMB Bank AirAsia Savers Account, a paperless account which customer will directly enjoy the convenience of viewing their account statement online without require a passbook (AirAsia Berhad, 2007-2010). Such a good service provided by bank, customer wont know about it if they no utilize internet banking. This study has combined varieties of factors from past research to study consumers perception toward e-banking. Both practitioners and academics can obtain the advantages by to better understand the consumers perception in the value of internet banking services. Furthermore, they can also identify the deficiency of the service in e-banking through this research so that the service would be improved to match customers requirement. Hence, customer can properly understand and adapt the problem that they face as necessary. In Malaysia, Maybank has become the first bank to introduce internet banking services (Maybank2u.com) and an combined web-based cash management portal on June 1, 2000. The online banking services will allow customer to perform bill payment, banking enquiry functions, funds transfer, credit card payment and accounts summary as well as transaction history (Suganthi, Balachandher and Balachandran, 2001). However, the influence of consumers acceptance e-banking in Malaysia seems more challenging because of the deficiency of information and academic in e-banking. Scope of study The scope of study is only concentrate about consumer area and perception toward e-banking. In this study, the research will be focus on MMU student, CIMB banking users and businessman that will regularly using banking service. The reason that we choose MMU student is because MMU student will often using online banking systems to pay tuition fees, transfer fund to their friends, check for their transaction account anywhere anytime. Apart from this they can teach their parent to use these services since it is very convenience and saving time, especially to those parent that very busy with their work. Besides that, we also focus on CIMB bank users which they can provide some information through interviews or questionnaires. Then, we will determine how depth the respondents understand about internet banking and what their comment regarding e-banking. Through this research we will resolve the inadequate and insufficient of service of internet banking. In addition to this, for sure business man they want to utilize something that very fast, time-saving, and can assist to their business. They can conduct most of their business on the internet and make transactions between their businesses without going to the bank. It can guarantee service quality for users conducting business transactions while utilizing IT applications and infrastructure. Through this research we can ask for some suggestion or any dissatisfied regarding internet banking from different view of business man, CIMB bank users and MMU student. Limitation of the study The extension of this study include there are large amounts of people still dont have the internet connection in their home and some dont know how to use e-banking services which will result in lack of internet banking users. There is a need for public knowledge to deal with computers and browsers since there are a lot of public still unable to use the internet applications. Besides that, it will lead to the difficulty of development of e-banking in the country. Customer may prefer visiting the bank branch because there are lacks of social contact regarding e-banking will creates difficulty to the customer since in the bank there will be banker which will helps and assists customer needs. Then it may take some time to learn and get to use to internet banking, as it requires a lot of procedures. If banks server down, customer may not access to the website. Secondly, the limitation that I faced is the difficulty of communication with the respondents when interviewing and collecting data for my research. Some of the people will resist for doing the research survey because they thought I wanted to promote or sell something. The thing that I frequently faced is meeting people who reject to answer any question before I start to talk about my research purpose. Organization of research In chapter 1, the main title is introduction which is a beginning section that states the internet banking among difference countries. Background of study explaining what about of a particular topic is placed. Problem statement is focus on the attention of the problem solving team. Research objective is writing about the purpose of this research. In significant of study, I will shift from the particular to the general, and present the importance of the study from target beneficiaries to the people in the community, to the people in the region and nation. Scope of study is focus on the coverage of areas in this research such as student and businessman. The limitation of study is about the restriction that I facing during doing this research. In addition, Chapter 2 is literature reviews. In this chapter reviews and introduces the previous journals related age, income, education, gender, convenience, perceived ease of use, reliability, saving time and cost, service or service quality and trust. I will focus on how these independent variables influence consumers adoption of internet banking. There will be an overview of some journals about consumers adoption toward e-banking will be presented which will used to examine the relationship between independent and dependent variables. In Chapter 3 it is about research methodology that including theoretical framework, hypothesis of study, data collection and data analysis. In Theoretical framework, I will suggest the integrative interrelationships among important variables in the research which is includes age, income, education, gender, convenience, perceived ease of use, reliability, saving time and cost, service or service quality and trust. There are four method are used in data analysis, which are frequency distribution, Pearsons correlation coefficient, cross tabulation and descriptive analysis. Chapter 2: Literature Review Introduction In this chapter 2, I review many journals about this topic in the various area of e-banking. In the 2.2 those journals are investigating about demographic affects the consumers adoption toward e-banking. In the 2.3, those journals are investigating the factors that influence the consumers adoption toward e-banking. In the 2.4, those journals are investigating about the service or service quality which will influence consumers adoption. In the 2.5, those journals are investigating about influence of trust toward consumers adoption. Demographic According to Kim,Widdows and Yilmazer (2005), age were influencing the attitude of consumers towards internet banking and their ability for learning how to do investment. The younger age groups of consumers are more likely to invest the time to learn to utilize internet banking because this group of consumers can generate more advantages through time saving. Besides that, higher income of consumers will have higher value of time than consumers with lower income, so higher income of the consumer can generate more advantages through adoption of internet banking. More educated consumers may involve fewer training in response to technological change if their general skills facilitate them to be taught the new technology (Bartel and Sicherman, 1998). They also indicated that adoption internet banking of well educated individuals is faster than less educated individuals due to the internet banking, new technology, and warrantees reduction of the time required for money transactions. In Padachi, Rojid and Seetanah (2007) report examined that the younger generation the more they like to utilize the new technological advancements as they are more prefer to adopt e-banking compared to the older generation. Mean age of internet banking users is 45 and 47 for non-internet banking users. Furthermore, the higher of education and income ladder will lead to the greater the probability of customer adopting internet banking. There are 57% of respondent having an education level in the category post graduate and 33% in the category of undergraduate utilizes the service. There are 48% of people using the internet banking that have the income group of Rs 30000 to 49000, which means the higher income earners are more sensible in utilizing internet. In the Jane, Jeanne and Marianne (2004) report explores the discoveries of demographic correlates of technology acceptance have constructed varying results with respect to important relationships to adoption. Men and women show to have dissimilar acceptance rates of specific computer technologies which men will more prefer on adopting technologies application(Gefen and Straub, 1997), but gender appear not to be found to have a direct on adoption of technology in general (Taylor and Todd, 1995; Gefen and Straub, 1997). The research show that the probability of higher income households ($75000 or more) being current users of ABP was 15 points higher than low income households (under $25000) and was more likely to adopt e-banking. However, research examined younger persons are being more likely to adopt which has also linked age and adoption of technologies (Zeithaml and Gilly, 1987; Trocchia and Janda, 2000; Karjaluoto, 2002; Lee, 2002). The research shows that the age of 65 of respond ents were less likely to adopt phone banking and PC banking compared to medium and youngest group. People with married status are more likely to adopt than single males or females because when it comes to bank accounts, married couples may have jointly held accounts. In region variable households living in the northeast were more likely than in the midwest to have adopted or to intend to adopt phone banking or ABP. In the Demographic characteristics of Western Australian users of electronic banking journal published by Catherine, Simone and Katherine (2005) explored that most online banking customers were male while the majority of telephone banking customers were females. Australian Bureau of Statistics (ABS), 2001 stated that consumers of Western Australia, who are between 18 and 24 years of age, employed, male, have higher levels of education, and higher incomes have been examined to be more likely to use information technology that those are older, unemployed, lower incomes and have lower levels of education. The authors also examined 58.4% of the internet banking users are being in professional, administrative, managerial or para-professional occupations. This is because males in these occupations often utilize technologies such as computers and the internet in the workplace, providing them access to the required hardware and possibly encouraging a preference for online interaction with pr oviders. Filoto, Tanzi and Saita (1997); Jayawardhena and Foley (2000); Thornton and White (2001); Pereira (2002) have found these customers may be on higher incomes due to their more educated and/or highly skilled and therefore they are in occupations that need them to be more practiced at using technology-based service delivery modes. Mitchell (1998) and Tan (1999) stated that education may not be an important aspect for EFTPOS users because transactions are usually performed in retail settings and they involve retail personnel who assist the completion of transactions for consumers. Jayawardhena and Foley (2000), Orenstein (1998) and Thornton and White (2001) argued that online banking consumers are more likely to have higher than average education and they may frequently be students because of their higher exposure to technologies such as internet and computer. Councils on the Ageing (2002) stated that in some studies have recommended that older consumers may be discouraged from the utilization of electronic banking by issues such as limitation of mobility and visibility. In Jun Wu, 2005 report examined that the products and services people purchase varies during the different stages of their lives. The result of demographic age profile in this research shows that the 21 to 29 age group is dominant. Furthermore, consumers that more educated will have more money available to spend because of better education, and this influences their life-styles. Wilkie (1990) stated that it will influences which type of products they purchase, what kind of stores to purchase them in, and what prices they are willing to pay as people achieve higher education. Customers with better educated be likely to have better paying occupations than not well educated customers (Schiffman and Kanuk, 2000) because a persons level of education can affect strongly on their ability to create income and their consumer spending potential. Polatoglu and Ekin (2001) explored that high levels of education improve a consumers ability to process more complicated information and make decision s. Income is a famous demographic variable for segmenting markets due to the income levels affect consumer wants and determines their purchasing power (Lamb, 2000). Purchasing power is influenced by inflation, recession, the international valu Advantages of E-banking Advantages of E-banking Chapter 1: Introduction Introduction Nowadays, Malaysia is a multi sector economy and technology development based on the presence of many technological inventions. Traditional banking act as physical bank and delivery channel which to give customers to place or get their money out of the bank safety deposit boxes, managing checking or current accounts, paying cheques drawn by customers. However, e-banking is one of the technological inventions that give conveniences to customers to manage financial transactions on a secure website performed by retail or virtual bank, credit union or building society. E-banking is also called electronic banking which is the automated delivery of new banking services and products directly to customers through electronic, interactive communication channels. It brings many benefits and capabilities to customer compared to traditional banking. E-banking is fast and convenient way of using computer to easy access to the bank in 24hours. E-banking utilizes the internet system as the delivery channel by which to accomplish banking activity, for example, paying bills, transferring funds, viewing checking and savings account balances, paying mortgages and purchasing financial instruments and certificates of deposits (Haque et al, 2009). Internet banking enable customers to access their general information and accounts of bank products and services through PC or other intelligent device using web browser software on 24 hours a day and 7days a week, such as Netscape Navigator or Microsoft internet explorer (Mohamad, Hanudin, Suddin, Noren, 2007). The development in information technology have had an tremendous effect in development of more flexible payment methods and more user-friendly banking services in the world of banking (Serkan, Safak, Eda, 2004). There are some features that fall into several categories of internet banking which are transactional, non-transactional, financial institution administration, support of multiple users having varying levels of authority, transaction approval process and wire transfer. In transactional, e-banking act as account and financial transactions, pay bills, wire transfer and apply for loan or new account, investment purchase or sale and others. Electronic Bill Presentment and Payment (EBPP) is an electronic billing which customer can pay bill and receives payment easily, faster, and conveniently over anywhere and any times. Customer perception is interpretation of sensory mind and experienced by customer. The convenience of e-banking are attracted customers and provided no cost charged to customers. Customers have started accepting this internet service and assessing the banks based on their easy to access and convenience. With great confidence toward e-banking, customers are willing uses the internet banking to transfer fund, pay bills, and lot more with a excellent-secured system. It also can establish the relationship between trust and loyalty of customer toward e-banking. Internet banking in USA and Europe The dramatic growth in internet usage has generated a segment of customers with the ability and desire to conduct banking transactions completely online (Mathew and George, 2003). The internet explosion in the late-1990s brings people more convenience with various applications over the web. In the mid-1990s, customers using internet as monetary business transaction over the web as the financial institutions had implemented e-banking. The majority of US-based banks are escalating their investment in technology and hedging their bets while research specifies that a substantial portion of the customer base may always demand the type of personal interaction that can only be provided by individual branch personnel (Alstad, 2002). TowerGroups prediction is highlighted by CRMToday on IT spending by large banks in USA, which the amounts is 24.1 billion in 2004 as compare to 22 billion in 2002. Besides that, many US banks, such as Bank of America and Umpqua Bank are lending from social media channels, offering social networking, pod casting, web casts and other interactive tools. Now competitors can establish an internet bank for as little as $6 million in the USA compared to the cost of setting up a traditional brick and mortar bank (estimated at between $25 and $30 million) (Nathan, 1999). CRMToday (2003a) also stated that without major consumers adoption internet banking would not achieve as profitable as promise although there are increasing in amounts of online banking customers. According to the European Central Bank in 2002 (centeno, 2003), the level of services and its quality differ according to the country and the banks even though all main banks provide internet banking services. Bughin, 2001 investigated that the adoption rate is examined to be averaging only 17% of internet users or less than 6% of total bank customers. The author also stated that there are 60% internet customers do not have subject in buying books, CDs or low valued item through online but are reluctant to create online banking transactions. Furthermore, there are differences of internet banking adoption also existed among some countries in Europe. Around 18-25% of populations in Estonia are utilizing internet banking services whereas Italian bank had about no on-line customers by early 2000, banks in Malta initiated internet banking services in December 2002 (Centeno, 2003). Furthermore, there are differences of adoption among banks within the same country. Bughin (2001) stated an example, a leading banks in France have diffusion rate over 11% while minor bank such as the credit commercial de France have translated only 2% of its customers to online for the same period. Internet banking in Turkey In Turkey, there are over 18% of banking customers using e-banking actively (Jamaluddin, Osman, Sukru and Kemal, 2008). Since 1997 internet banking has been recognized as a feasible alternative distribution channel by Turkish commercial banks due to the deregulation in the financial sector, escalation of computer literacy, the rapid diffusion of electronic commerce, strong commitments to reduce operating costs, changing customer demands for innovative financial products and services and create customer convenience (Hakan, 2008). Due to the low cost of attracting customer to utilize internet banking and retaining existing innovation-demanding customers during the past two decades, most of Turkish commercial banks found it irresistible to invest large amounts in online banking although the customer take up of internet banking appeared to be very slow. In addition, the actual number of utilizing e-banking users appeared to be between 1 and 1.2 million (30%) in 2003 although 2million people (50%) were forecasted to utilize e-banking by 2003 (Akinci, 2004; Celik, 2002; Ozkan, 2003). Furthermore, in turkey the numbers of active internet banking accounts are escalating from 150,000 in 2000 to 5.5 million in 2007 and grew annually by 68 percent (Higgs, 2000). In comparison, although this illustrates that internet banking has experienced strong and sustained growth since its inception, Turkey has a lower internet banking penetration rate than that of many European countries. The research on internet banking by individual customers in the country has been required to improve customers understanding of how their particular beliefs or motives affect their utilization of the services. Internet Banking In Australia Internet banking growth continued rapidly in Australia with a 26 % increase in the internet banking customer population to 5.5 million users (approximately 34% of the adult population) going on over the 12 months to May 2005 (ACNielsen, 2005). The report stated there are over 7.2 million consumers accessed 27 millions accounts in 2003 which is an increase of 31% compared to 16.2% in 2002 (MISC, 2004). The report showed that users are more efficient in utilizing Internet banking services and transacting more amounts utilizing fewer sessions. Furthermore, internet banking services are increasingly attracted among users women and 50+ years age group is the highest growing in all category. There are 54% of Australian adults were utilizing telephone banking and an estimated 25% of employed internet banking after a period of strong electronic banking market development between 1997 and 2002. Small and medium banks in USA provide more user-friendly services than larger banks and achieved well in the area of personal internet banking, and website reliability and transactional capabilities while larger banks in Australia offer more variety services than smaller banks. Nevertheless, small and medium sized banks in Australia have found to provide more user-friendly services than larger banks and are successful in offering personal banking services. Internet Banking In Malaysia Since achieving independence in the 1957 banking activities in Malaysia has changed enormously with appearances of new technology application. In the 1980, the first Automated teller Machines (ATMs) was introduced which was be the most visible piece of evidence of the emerging electronic banking in Malaysia. ATM is a computerized telecommunications device that used for transfer funds between checking, balance enquiry, cash withdrawal, savings and credit card accounts, bill payments, making cash and check deposits and making payments to application for initial public offerings in Kuala Lumpur Stock Exchange. This technology brought the revolution were longer banking hours which unlimited beyond office hours (BNM Annual Reports, 1985-1997). Apart from this, the next changes in this evolutionary process will be the telebanking and PC-banking in the 1990s. In the early 1990 telebanking was introduced in Malaysia as delivery channel for branch financial services via telecommunications devices connected to an automated system of the bank where customers can perform retail banking transactions through using Automated Voice Response (AVR) technology. The functions of telebanking are almost similar to the ATM services except withdrawal and deposit of cash. Telebanking brings convenience, extended access and significant time saving to the customers. The insufficiency of cash withdrawal function in telebanking leads to the poor customer response to telebanking. In the 1990s, ten local commercial banks are offering PC-banking or home banking services. PC-banking is an online banking device which customer can utilize their computers in anywhere anytime for account transactions by subscribing and dialing into the banks intranet proprietary software system. PC-banking can raise speed, decrease cost and enhance flexibility of business transactions which is more suitable among corporate customers. In the half of 1990, the number of customer that utilizes this service still small. This is because they faced some problems, such as risk in transacting on the internet, lack of trust and loyalty of customer and poor of product and service quality. In this table indicates that frequency of familiarity and usage of using ATM is the highest and PC-banking is the lowest percentage. ATM can attracted all of banking customer to use this service because it really brings convenience to the customer since it can save time, reduce difficulty, and enhance flexibility of business transaction to customers. There are 80% that not using telebanking because this service cant provide any cash withdrawal function. However, PC-banking also faced lack of attraction from banking customers due to the new banking service that introduced to this country, which most of customer still unable to accept this new internet service. When customer utilize PC-banking, they may face some problems, such as risk in transacting on the internet, lack of trust and loyalty of customer and product and service quality. Furthermore, e-banking in Malaysia is become increasingly popular on developments in information technology and telecommunications. In Malaysia internet banking service (IBS) was established in six years ago (The Star, 2005). IBS is a convenience and new physical banking service which is to attain more potential customers as it allows bankers to deliver banking services to a wider segment of customers through electronic and interactive communication channels (Goi, 2005), with 12 domestic banks offering IBS to 4.5million subscribers currently (Bank Negara Malaysia, 2007). So surprisingly internet banking has become one of the popular services with 51 percent out of 8,000 of total respondents once a month. In the beginning, there are 5 Malaysia banks have invested millions of ringgit in online banking but these banks are still functioning as dial up intranet facilities. The online service is still unavailable for customers because of the insufficiency of legal framework and security concerns. The investment may be wasted due to the deficiency of important business understanding to support customer adoption if a bank introduces Internet Banking Services without a clear understanding of factors influencing customer adoption (Goi, 2005; Pires and Aisbett, 2002). In table 1 it illustrates the demographic characteristics of the internet bank users and the non-internet bank users among the sample respondents was analyzed. Mean monthly income is the only significant difference appears which it assumed that the internet bank user monthly income is highly than non-internet bank user. It also shows that there is no significant difference between the mean age of the internet bank users and the non-internet bank users. These two groups are equal in percentage of graduates and undergraduates in which both of the groups are nearly about 85%. Background of study The purpose of this research is to identify and evaluate the consumers perception toward e-banking. Consumer perception is important to bankers because of that banker can only understand and determine what customer actually wants to and how e-banking service shall satisfy them. There are some variables will be discussed which are affecting the growth of e-banking in Malaysia. From the customers perspective, internet banking assists a convenient and effective approach to control personal finances without visiting the bank and from any locations, as it is accessible 24 hours a day and 365 days in a year (Rotchanakitumunai and Speece, 2003). Through this report we will discuss about different countries have different customers perception about e-banking. This research also studies whether service or service quality will influences the trust and willingness of customer for using e-banking. Besides that, we also explore the factors which are taken to assess customer perception toward various application of internet banking. The factors that will be assessed are convenience of account transaction, flexibility, reliability, save time and cost. Internet banking is convenient, no geographical barriers, low cost and isnt bound by operational timings (IAMAIs, 2006). More than 50% of total respondents agreed that e-banking is convenient and flexible ways of banking and it also have a variety of transaction related advantages (Divya and Padhmanabhan, 2008). The purposes of internet banking consist of customer convenience through personalized service, cost containment through decline in operating cost, revenue expansion through better quality and additional non-financial services, and performance enhancement by making the service from any location (Bradley Stewart, 2002; Chau Lai, 2003; Frust et al., 2000; Suganthi Balachandran, 2001). How saving of cost and time affect the p erception of customer toward e-banking are also analyzed. So this research main purpose is to examine the variables of the actual perception of customer toward e-banking. Problem statement This research explores and examines some topics which are important elements that help in consumers perception toward e-banking. Banker should understand the need of customer so that they can improve the insufficient of the services. Banker should find out the way to attract more customers to utilize their services. In line with global trends, most customers are not focusing on this internet application. So, we need to solve this problem regarding the importance of the e-banking among customer in the local area. Customer should learn to use internet banking which can bring conveniences without going to the bank. Then customers will obtain satisfaction with the system when it provides them maximum convenience while bank transaction is occurred. The convenience of internet banking is contributing to changing patterns in cash withdrawal and day to day money management and assisting people gain greater control of their finances (Beer, 2006). On the other hand, there are few factors that lead to this problem occurrence. Firstly, not many people start to use e-banking because they still not trust on the system through internet. They will worry and always have a doubt about whether their money is safe. In addition there are few cases of fraud have been reported in online banking. The hacker wills forgery information by entering person information without the owner knowing and takes out his/her money. Secondly, there are lacks of social contact because internet banking dont have any assistance will be served to customer. It will create difficulty to the customer since in the bank there will be banker which will helps and assists customer needs. They will easily give up since there are many lack of skill problems occurred when utilizing the systems. Besides that, it is difficult to do survey since there are a lot of public are faced limitation of time, because it may take times to explain to the public. Research objective To identify what influence consumers perception toward e-banking To determine the factors that affecting consumer perception toward e-banking To find out how service quality influences internet banking user To identify the reason why customer use internet banking To solve the problem customer face toward internet banking To increase the knowledge of customer toward internet banking To improve the insufficient of the internet banking services To enhance the loyalty and trust between consumer and e-banking Significance of study This research is contributed to give customers to better understand about e-banking. There are many features and characteristics of the e-banking that many people still no realize about it. Through this research, we will interview a numeral of people and will explain about internet banking to give consumer to better understand the services that already provided to help them to ease their life. For example, CIMB offers CIMB Bank AirAsia Savers Account, a paperless account which customer will directly enjoy the convenience of viewing their account statement online without require a passbook (AirAsia Berhad, 2007-2010). Such a good service provided by bank, customer wont know about it if they no utilize internet banking. This study has combined varieties of factors from past research to study consumers perception toward e-banking. Both practitioners and academics can obtain the advantages by to better understand the consumers perception in the value of internet banking services. Furthermore, they can also identify the deficiency of the service in e-banking through this research so that the service would be improved to match customers requirement. Hence, customer can properly understand and adapt the problem that they face as necessary. In Malaysia, Maybank has become the first bank to introduce internet banking services (Maybank2u.com) and an combined web-based cash management portal on June 1, 2000. The online banking services will allow customer to perform bill payment, banking enquiry functions, funds transfer, credit card payment and accounts summary as well as transaction history (Suganthi, Balachandher and Balachandran, 2001). However, the influence of consumers acceptance e-banking in Malaysia seems more challenging because of the deficiency of information and academic in e-banking. Scope of study The scope of study is only concentrate about consumer area and perception toward e-banking. In this study, the research will be focus on MMU student, CIMB banking users and businessman that will regularly using banking service. The reason that we choose MMU student is because MMU student will often using online banking systems to pay tuition fees, transfer fund to their friends, check for their transaction account anywhere anytime. Apart from this they can teach their parent to use these services since it is very convenience and saving time, especially to those parent that very busy with their work. Besides that, we also focus on CIMB bank users which they can provide some information through interviews or questionnaires. Then, we will determine how depth the respondents understand about internet banking and what their comment regarding e-banking. Through this research we will resolve the inadequate and insufficient of service of internet banking. In addition to this, for sure business man they want to utilize something that very fast, time-saving, and can assist to their business. They can conduct most of their business on the internet and make transactions between their businesses without going to the bank. It can guarantee service quality for users conducting business transactions while utilizing IT applications and infrastructure. Through this research we can ask for some suggestion or any dissatisfied regarding internet banking from different view of business man, CIMB bank users and MMU student. Limitation of the study The extension of this study include there are large amounts of people still dont have the internet connection in their home and some dont know how to use e-banking services which will result in lack of internet banking users. There is a need for public knowledge to deal with computers and browsers since there are a lot of public still unable to use the internet applications. Besides that, it will lead to the difficulty of development of e-banking in the country. Customer may prefer visiting the bank branch because there are lacks of social contact regarding e-banking will creates difficulty to the customer since in the bank there will be banker which will helps and assists customer needs. Then it may take some time to learn and get to use to internet banking, as it requires a lot of procedures. If banks server down, customer may not access to the website. Secondly, the limitation that I faced is the difficulty of communication with the respondents when interviewing and collecting data for my research. Some of the people will resist for doing the research survey because they thought I wanted to promote or sell something. The thing that I frequently faced is meeting people who reject to answer any question before I start to talk about my research purpose. Organization of research In chapter 1, the main title is introduction which is a beginning section that states the internet banking among difference countries. Background of study explaining what about of a particular topic is placed. Problem statement is focus on the attention of the problem solving team. Research objective is writing about the purpose of this research. In significant of study, I will shift from the particular to the general, and present the importance of the study from target beneficiaries to the people in the community, to the people in the region and nation. Scope of study is focus on the coverage of areas in this research such as student and businessman. The limitation of study is about the restriction that I facing during doing this research. In addition, Chapter 2 is literature reviews. In this chapter reviews and introduces the previous journals related age, income, education, gender, convenience, perceived ease of use, reliability, saving time and cost, service or service quality and trust. I will focus on how these independent variables influence consumers adoption of internet banking. There will be an overview of some journals about consumers adoption toward e-banking will be presented which will used to examine the relationship between independent and dependent variables. In Chapter 3 it is about research methodology that including theoretical framework, hypothesis of study, data collection and data analysis. In Theoretical framework, I will suggest the integrative interrelationships among important variables in the research which is includes age, income, education, gender, convenience, perceived ease of use, reliability, saving time and cost, service or service quality and trust. There are four method are used in data analysis, which are frequency distribution, Pearsons correlation coefficient, cross tabulation and descriptive analysis. Chapter 2: Literature Review Introduction In this chapter 2, I review many journals about this topic in the various area of e-banking. In the 2.2 those journals are investigating about demographic affects the consumers adoption toward e-banking. In the 2.3, those journals are investigating the factors that influence the consumers adoption toward e-banking. In the 2.4, those journals are investigating about the service or service quality which will influence consumers adoption. In the 2.5, those journals are investigating about influence of trust toward consumers adoption. Demographic According to Kim,Widdows and Yilmazer (2005), age were influencing the attitude of consumers towards internet banking and their ability for learning how to do investment. The younger age groups of consumers are more likely to invest the time to learn to utilize internet banking because this group of consumers can generate more advantages through time saving. Besides that, higher income of consumers will have higher value of time than consumers with lower income, so higher income of the consumer can generate more advantages through adoption of internet banking. More educated consumers may involve fewer training in response to technological change if their general skills facilitate them to be taught the new technology (Bartel and Sicherman, 1998). They also indicated that adoption internet banking of well educated individuals is faster than less educated individuals due to the internet banking, new technology, and warrantees reduction of the time required for money transactions. In Padachi, Rojid and Seetanah (2007) report examined that the younger generation the more they like to utilize the new technological advancements as they are more prefer to adopt e-banking compared to the older generation. Mean age of internet banking users is 45 and 47 for non-internet banking users. Furthermore, the higher of education and income ladder will lead to the greater the probability of customer adopting internet banking. There are 57% of respondent having an education level in the category post graduate and 33% in the category of undergraduate utilizes the service. There are 48% of people using the internet banking that have the income group of Rs 30000 to 49000, which means the higher income earners are more sensible in utilizing internet. In the Jane, Jeanne and Marianne (2004) report explores the discoveries of demographic correlates of technology acceptance have constructed varying results with respect to important relationships to adoption. Men and women show to have dissimilar acceptance rates of specific computer technologies which men will more prefer on adopting technologies application(Gefen and Straub, 1997), but gender appear not to be found to have a direct on adoption of technology in general (Taylor and Todd, 1995; Gefen and Straub, 1997). The research show that the probability of higher income households ($75000 or more) being current users of ABP was 15 points higher than low income households (under $25000) and was more likely to adopt e-banking. However, research examined younger persons are being more likely to adopt which has also linked age and adoption of technologies (Zeithaml and Gilly, 1987; Trocchia and Janda, 2000; Karjaluoto, 2002; Lee, 2002). The research shows that the age of 65 of respond ents were less likely to adopt phone banking and PC banking compared to medium and youngest group. People with married status are more likely to adopt than single males or females because when it comes to bank accounts, married couples may have jointly held accounts. In region variable households living in the northeast were more likely than in the midwest to have adopted or to intend to adopt phone banking or ABP. In the Demographic characteristics of Western Australian users of electronic banking journal published by Catherine, Simone and Katherine (2005) explored that most online banking customers were male while the majority of telephone banking customers were females. Australian Bureau of Statistics (ABS), 2001 stated that consumers of Western Australia, who are between 18 and 24 years of age, employed, male, have higher levels of education, and higher incomes have been examined to be more likely to use information technology that those are older, unemployed, lower incomes and have lower levels of education. The authors also examined 58.4% of the internet banking users are being in professional, administrative, managerial or para-professional occupations. This is because males in these occupations often utilize technologies such as computers and the internet in the workplace, providing them access to the required hardware and possibly encouraging a preference for online interaction with pr oviders. Filoto, Tanzi and Saita (1997); Jayawardhena and Foley (2000); Thornton and White (2001); Pereira (2002) have found these customers may be on higher incomes due to their more educated and/or highly skilled and therefore they are in occupations that need them to be more practiced at using technology-based service delivery modes. Mitchell (1998) and Tan (1999) stated that education may not be an important aspect for EFTPOS users because transactions are usually performed in retail settings and they involve retail personnel who assist the completion of transactions for consumers. Jayawardhena and Foley (2000), Orenstein (1998) and Thornton and White (2001) argued that online banking consumers are more likely to have higher than average education and they may frequently be students because of their higher exposure to technologies such as internet and computer. Councils on the Ageing (2002) stated that in some studies have recommended that older consumers may be discouraged from the utilization of electronic banking by issues such as limitation of mobility and visibility. In Jun Wu, 2005 report examined that the products and services people purchase varies during the different stages of their lives. The result of demographic age profile in this research shows that the 21 to 29 age group is dominant. Furthermore, consumers that more educated will have more money available to spend because of better education, and this influences their life-styles. Wilkie (1990) stated that it will influences which type of products they purchase, what kind of stores to purchase them in, and what prices they are willing to pay as people achieve higher education. Customers with better educated be likely to have better paying occupations than not well educated customers (Schiffman and Kanuk, 2000) because a persons level of education can affect strongly on their ability to create income and their consumer spending potential. Polatoglu and Ekin (2001) explored that high levels of education improve a consumers ability to process more complicated information and make decision s. Income is a famous demographic variable for segmenting markets due to the income levels affect consumer wants and determines their purchasing power (Lamb, 2000). Purchasing power is influenced by inflation, recession, the international valu