Advantages of Online Banking

Advantages of Online Banking Introduction In the recent years online banking has shot up where by making 21.5 million customers satisfied in using it easy, fast and most of all free services set up by banks in 2009 stated by the UK payments administration. All high tech banks offer the online banking system and most bank do not have branches only existing online. It is quite for a person to change to online banking, first the persons has to open an account with a bank or if they already have an account then just sign up for online banking with our current existing account. For security reasons the bank will provide we with a password which will enable us to activate our online banking system. These after they could log in any time they want. It is easy to open an online bank account and well worth the small amount of effort required. Even when some people are not that familiar with online applications, it is worth persisting through the process. The advantages of using online banking transactions include convenience, easier financial management, and time and cost savings. Even the environment benefits because vast quantities of paperwork doesnt need to be generated. Online banking transactions can simplify our life by reducing the stress of managing our bills and savings. They are easy to use and from the banks point of view, secure. We can have our pay deposited directly into our account and disburse it online. The old way of lining up in bank queues and keeping a track of paperwork is no longer necessary. All banks make it easier to manage our checking account by allowing our set up e-mail alerts so our can be notified when checks clear or when our balance slips below a certain level. There is also a detailed listing of our cancelled checks. Banks describe online banking as a powerful value added tool to attract and retain new customers while helping to eliminate costly paper handling, in an increasingly competitive banking environment. Nowdays, most large banks, many regional banks and even smaller banks and credit unions offer some form of online banking, variously known as PC banking, home banking, electronic banking or Internet banking. Advantages On Online Banking Online banking in this generation is becoming more and more common. Customers can do plenty of transaction just through Internet. Online banking also allows customers to keep track of record on our accounts. Customers can check on it in everywhere and anytime they want. Online banking makes their life easier and faster. Below are a few advantages of using online banking: 1. Pay Your Bills Online For the past 5 years back, bank allowing their customers to pay their bills online. By paying their bills online, customers are starting to eliminate the method by post. It is faster and users are allowed to know did their payment made or not. Customers will just have to register once and they are allowed to use it in everywhere. The banks may charge them a small amount of interest but it will be faster and immediately payment will be made. This will make their life much easier. 2. View Your Transactions Online banking does allow customers to view or check their history payment just in seconds. By now, they do not need to make phone calls to the bank and wait for the bank officer to check for our account. This also will be safer compare to make phone calls or send letters to check their payment. If any lost during the sending process by post, their password or ID will seen by strangers. 3. Transfer Money Between Accounts Online banking allows them to transfer money from one account to another account more quickly. Nowadays, many people are doing business and it may involve million millions of dollars. It will be safer if they can make transfer just from online banking. Online banking also can automated to the service centre that they are using example, phone bills, house loan, monthly purchasing newspaper and many others. 4. Download Banking Transactions If they are using ATM cards often this is a must to download their banking transactions to make sure the balances in their account are correct. This will make sure they are always on track with their account balances. They also do not have to worry about finding a place to keep all our receipts. 5. Protect Yourself Online Using online banking there are a few things that they have to take it serious. It is important that they have to protect their own informations. If they are downloading their account transaction from internet, they must remember to clear up the cookies. Passwords and user ID will seen by other people if they are not aware of this. It is very important to make sure they clear everything before they leave the website. Disadvantages Of Online Banking There are also disadvantages to online banking services. The biggest problem is that most people lack of trust, many people have doubts about the transaction, how can people believe a machine, many things can go wrong during the process. How many times have you performed transactions online and wondered whether you did the right thing? Of course, we can overcome the problem by printing the transaction receipt. This receipt will conform whether the transaction has gone through successfully. Online banking can be difficult to learn for a beginner and a site could take time to start up. Some sites ask for photo identification, which can be very inconvenient. Many people have poor eyesight. Most online banking sites provide tutorials for online banking. Some sites provide live online customer support to provide solutions for all the problems. The cases of online banking frauds are considerably low so we dont have to worry about the safety of our money. For some people, online banking is very convenient and useful, there is also people who afraid to handle the banking system. All these have been taken care of now, most banks have now started offering online banking services and a manual transaction could be done also. Maybank Online Banking Malayan Banking Berhad or Maybank is the biggest commercial bank in Malaysia. It holds many financial holders in Malaysia as well as internationally, including Indonesia and Singapore. It was founded by Tan Sri Khoo Teck Puat in 1960. Maybank has grown to the competitive advantage over the years and has more thank 300 branches in Malaysia alone. Few ages ago, the client of Maybank had to at all times go to the Maybank centre and wait for long queues to do their transaction. Nowadays, Maybank is reaching to the top and has become the first commercial bank in Malaysia to run its own on-line banking system. Maybank2u.com was created in early 2001. Not too long after that, many banking institution now has followed Maybanks step to on-line transaction. Maybank2u.com offers outstanding services to its clients, such as internet banking, on-line Islamic banking, as well as services for credit and charge cards holders, and many more. Of the entire services offer by Maybank2u busiest service is the on-line banking transaction. These consist of making payments and transferring funds by the internet. Maybank2u.com runs their own policy under the Maybank Berhad terms and regulations to make sure the security of their service is reliable to the clients. Although the security policy is not publicly stated, as it is confidential, the same security policy is being used in each and every Maybank branches in the world. This is to ensure the safety of the clients information and their satisfaction. It is clear that Maybank2u uses the Transaction Processing System (TPS) for their general information system. A Transaction Processing System (TPS) is a type of information system that helps to collect, modifies stores and retrieves collection of data transaction of an individual entity as well as an enterprise. E-business, e-commerce or other commercial businesses depend on the data reliability of their transaction processing system. This is to make sure that their client get what was asked for and payment are made on time. With Maybank2u, any kind of transaction can be made there and then. It is very time efficient especially for busy people. Transaction processing system involves the financial department. This is because most transaction occur within Maybank2u revolves around cash, credit, charges and account balances. Financial department are responsible on knowing what goes in and out of the bank and clients account. Transaction Processing System The transaction processing system offers features that could relieve enterprise transaction system to process data transactions faster in order to manage the whole enterprise data. There are particular characteristics to operate transaction processing system. A TPS is a very fast way to processing transaction virtually and is very reliable as it is designed with safeguards to manage disaster attack, so customers will not worry of data loss during a sudden disaster. It can easily be retrieved using the customers id and password at the particular service centre. Not only it is reliable, TPS is also standardized by the Transaction Processing Performance Council, meaning that the system will always process every transaction made by the user with the same way every time there is a transaction. This is to ensure the security of the system. Restricted access is implemented to TPS, so that it can only be used by the employees authorized by the system to avoid system errors. There are two types of transaction, which are batch time processing and real time processing. Batch time processing differs from real time processing because batch time processing only processes transactions once a month automatically and stores the resources later for future transaction. This is usually needed when processing credit card transaction. Meanwhile, real time processing is the kind that will update every transaction made immediately. This is important because when a withdrawal of money is being made, bank and customers account need to be updated immediately so that both parties can keep track of their funds. Therefore, both types of transaction are being applied by Maybank2u to serve the public in giving what they need. Another TPS characteristic is its durability which means that when the transaction is successful, no further changes can be made. However, in any case of failure of the system, a log will be created to store all the transaction that has been completed. Th ese common characteristic of a Transaction Processing System will make sure that the system is run systematically and standardized. Security System Nevertheless, security is a major priority to every big enterprises, especially successful commercial banking. There is a lot of security issues involved especially with dealing with on-line transaction such as purchasing items or paying for services on-line. One of the main security threats of internet banking is identity fraud. Identity fraud is not a new threat, as it has been mentioned most of the time. But, there are still people who refuse to follow rules made out to avoid this type of threat. Some retailers and stores are lacking the awareness of identity fraud. Most cases of identity fraud are having their pin code or password duplicated. Purchases by credit and charges card are made by other people but not by the genuine owner or the account. This kind of behaviour can happen anywhere at any time, especially when shopping on-line, purchasing airline and movie tickets. Maybank2u is ready for this kind of situation. For example, before processing a payment, it is shown above to the users on how to find the billing account number, so that the client will not accidentally input the wrong account number. To avoid identity thief or any other kind of identity mischief, Maybank2u requires a Transaction Authorisation Code (TAC) to undergo the payment process .Therefore, in each and every transaction made by the user, a TAC will be sent to the clients cell phone number, and once received it should be input within 2 hours into the TAC box before completing the process. The Transaction Authorisation Code will automatically expire every 2 hours to avoid any security breach to the account. When the transaction is processed is successful, it will be automatically saved into the Maybank2u.com transaction history for future user reference. Its payment receipt can also be printed for keeps. Maybank has introduced this system to be used in all Maybank centres worldwide. Maybank2u.com requires only easy set up in creating a maybank2u.com account. User can log in using their existing Maybank account. However, user needs to create an on-line password and user name to access their existing bank account. By logging into the system, meaning that the user of the account is aware of the terms and condition applied by Maybank2u.com, and is aware that the site is secure as shown on the top right of the website. Once logged in, user can access everything regarding of their account information, such as account balance, transaction history, Maybank debit transactions and banking statements. The most interesting thing about Maybank2u is that the client can access their account from home, office or anywhere with an internet connection, without worrying about the hustle of waiting especially on busy hours. Best part is, the site offers billing payment services to all main general services. Almost 300 major payees are now available including Syarikat Bekalan Air Selangor (SYABAS), Tenaga Nasional Berhad (TNB), Telekom Malaysia Berhad, MAXIS and ASTRO. It is wise to say Maybank has chosen a great transaction processing system in order to fulfill all its clients need just by one click a way. Instructions On How To Use Maybank2u Step 1. For Maybank customers, simply just create a Maybank2u username and password at the nearest ATM machine. For Non Maybank customers, the first step is to open up a Maybank bank account at the nearest Maybank service centre before creating the Maybank2u username and password. Step 2. Go to www.maybank2u.com Step 3 At the top right hand side of the website, theres an access to the login page. Click the login icon and it will direct the user to the login page. Log in as a first time user using the username and password created from Maybank ATM machine. Step 4. Once logged in, customers can access the entire account. The customer can now process their transactions by following the instructions. However, for customers that log in using public or shared computers, dare to be reminded to log out properly to avoid another mischief of identity fraud. Maybank2u also add a logout summary to guide users of Maybank2u on how to safely logout from the site Conclusion Looking at the research done we can come to a conclusion that online banking has make everyones lives easy and convenient and mostly saving a lot of their time when it comes to banking. There are a few false in online banking but there are more advantages of using online banking. In todays world technology has improved vastly and many banks have taken the upper hand on it and made banking not only banking paying bills, doing transactions, checking account balances and even online shopping easy for their customers convenience.

Was wasps intended as pure entertainment or was Aristophenes really serious about promoting political change?

The Wasps was written in 422BC by the above Greek Playwrite Aristophenes. It involves a father Procleon and a son Anticleon, the latter of which has a sole aim to keep his father locked up away from jury duty as he see's it as an injustice and a waste of the later stages of his life. The characters names relate to the Athenian politician Cleon, a contraversial but popular character at the time during the Peloponnesian War. Procleon is translated into Ancient Greek as â€Å"friend of Cleon† and Anticleon is translated as â€Å"hater of Cleon†. Cleon, when he was in power, trebled the wages of the Jurymen to give him a hold on the poorer classes, a move frowned upon by Aristophenes as he demonstrates in The Wasps by conducting a full arguement on how corrupt the courts are and how Jurymen have such little influence on the final outcome, that they are nothing more than state pawns. Aristophenes' dislike for Cleon was something of a class-based one as well. Rumours spread that Cleon was decended from a lower class background, and because of the amount of power and influence he held within Athenian politics, Aristophenes, being something of a rich snob at the time, didn't like this at all and had somewhat of a personal vendetta against him. Aristophenes wrote the play The Wasps for The Lenaia, an annual drama festival in honour of the Greek god, Dionysus. The Lenaia took place in Athens in the month of Gamelion which is roughly January. During the festival in Aristophenes' time, three plays were performed, most of them comedy as people would probably have been drinking wine at the time in honour of Dionysus. Ancient Greek Old Comedy was mainly based on current issues like politics, morals, philosophy and literature. From the surviving plays, historians have pointed out that many local people or politicians are involved as characters in Old Comedy and are impersonated and often mocked. Also, from the little evidence we have, Old Comedies seem to have a fixed structure consisting of an agon and two parabases. The Chorus had a very important role in Old Greek Comedy as well, as they established a strong link between the actors and the audience. Aristophenes was an Old Greek Comedy artist. We have eleven of his plays that are still readable and it is worth noting that a year before The Wasps was released, Aristophenes entered a play called Clouds which challenged many set ideas at the time, thus it being snubbed by the audience for being too political during the time of The Peloponnesian War. So the stage was set for Aristophenes to write a comeback comedy for The Lenaia whilst having a dig at Cleon, the question I will attempt to answer, is was Aristophenes's main aim to entertain the audience and bounce back from his earlier failure, or did Aristophenes actually have a personal vendetta, setting out an attack on Cleon to promote political change? The first thing I will examine is Clouds. The play was written a year before The Wasps, and shed a new light on Socrates's teachings. We do not know the exact reason why, but Aristophenes displayed Socrates in a very contraversial way, that he was poisoning the minds of the youth at the time with his teachings. This play was clearly written to promote political change, and although it was used as a key peice of evidence in his trial before Socrates was sentenced to death, it was unsuccessful when it was released. I believe that in this play, Aristophenes' main aim, was to kick up a fuss over nothing as he was jealous of the position of power that Socrates was in, because to cause less much less contraversy, Aristophenes could have easily wrote the play about someone less famous at the time. A year later, Aristophenes had made himself another enemy in a position of power as I mentioned earlier, Cleon. Like Clouds, he tried to write a play to start new contraversial ideas, but this time he had to emphasise the comedy rather than the political change, otherwise the audience wouldn't favour the play once more. Whether you look at Aristophenes as a coward or simply clever, he understood the concept which evolved around his time that, to quote Euripides â€Å"The tongue is mightier than the blade. † To bring down his foes and the people he disliked, rather than have them assasinated or start some kind of rebellion, putting his own neck on the line, he chose the much wiser option of insulting them in his plays infront of a mass audience. When in The Wasps, Procleon gets defeated in the arguement by Anticleon this is the clearest example that Aristophenes wants the audience to hate Cleon and to challenge his ideas. The chorus of the play are great fans of Cleon who they call â€Å"The Great Protector† after he trebled their pay, they show much loyalty to him, which is destroyed later on as they belive Anticleons arguement is much stronger than Procleons. Procleon arguements were that Jurors are pampered and feared individuals that defendants in legal cases are always trying to flatter them and soften them up. Also that Jurors have various perks of the job, they get to see theatrical or musical performances by famous litigants. He uses a quote â€Å"The power of Zeus upon his throne is scarcely greater than my own†, as many politicians â€Å"suck up† to them. Aristophenes displayed a flawed arguement here and left many holes for Anticleon to expose when he made his speech. Anticleons arguements were that the Jurors annual pay doesn't even amount to 10% of the annual income from the Athenian Empire. That even though it had been tripled, many powerful people were still earning a lot more as the Demagogues creamed off the rest, not to mention the bribes they had received. He also makes a good point that the jurors have fought for Athens in the Persian Wars and deserve a lot more than what they get from jury service, which is easily affordable by the Athenian government. The Chorus, against expectations, decided that Anticleon had won the arguement and Procleon condeded that his son was right so the â€Å"hater of Cleon† triumphed over the â€Å"friend of Cleon†. At the start of the play Xanthias tells us that Aristophenes isn't going to resort to standard jokes just to get a cheap laugh, and at the same time, contrary to any expectation we may have formed at this stage, we are told that the play won't be â€Å"making mincemeat† of Cleon either which shows that Aristophenes had learnt his lesson over using a gung-ho approach against someone he disliked like he did in â€Å"Knights†. But he does say â€Å"Some people have been saying that since Cleon tanned my hide, I've made a cowards peace with him and let my wrath subside†. This is to say that even though he is watering the play down he still hasn't let it effect what his plans are against Cleon, that he intends to come back at him with a vengeance. There is a lot of slapstick comedy in the play that the audience can relate to such as Procleon making mischief whilst drunk and trying to sneak away from Anticleon underneath a donkey (like Oddeyseus and the cyclops). But despite us having many laughs at the plays expense, it still has a moral behind it, the kind of moral that you can't teach an old dog new tricks. In relevance to Procleon, Anticleon changed him only for the worse as he caused a lot more menace once he started to disrespect the law after Anticleons speech. In conclusion I believe that Aristophenes wrote this play to promote political change but watered it down so the audience would favour it. He knew that the audience expected a play to entirely go all gung-ho on insulting Cleon and making many cheap jokes at his expense. Aristophenes has clearly learnt from his past mistake with Clouds and this time concentrated on the formation of the play but nevertheless as I mentioned earlier, â€Å"The tongue is mightier than the blade† and Aristophenes still uses the play against Cleon no matter how indirectly he does it. But he does make a valid point near the end, summing up his own views that taking into account the play contains views of his own, that even though politics is corrupt and unfair, if you disrespect it, you get into trouble, the very way that Procleon does in the end, similar to the way Aristophenes did when he was taken to court after his production of â€Å"Knights† for defamation. If I had more time I could have expanded on the question and answered why does Aristophenes have a vendetta against Cleon and Soccretes, is it because they hold more power than he does, or does he genuinly disagree with their points of view and teachings.

Great Religions and Philosophies.: Greek Philosophy Essay

In the 6th century B. C, there began a dualism in Greek Philosophy. The development of Greek Philosophy became a compromise between Greek monistic and oriental influences, in other words, a combination of intellectualism and mysticism. Thus began the pre-Socratic philosophy. The interests of pre- Socratic philosophers were centered on the world that surrounds man, the Cosmos. This was during the time of great internal and external disturbances in the Greek society, as it was right after the Peloponnesian war. The pre-Socratic era of Greek Philosophy came to an end when the Sophists turned their attention to man himself, delving into the moral and mental nature of man and dealing with the practical problems of life. The ancient Greeks mirrored their nature, beliefs, morals and customs in Greek Philosophy. Through understanding Greek Philosophy, we can see how the ancient Greeks regard the world around them. Greek Philosophy filled the void in the spiritual and moral life of the ancient Greeks, where in the same place other cultures had their belief in a religion. Wisdom, in the Greek sense, included not only a theoretical explanation of the world around them, but also provided a practical guide to life. From Homer to Hesiod, we see the reflections of the ancient Greeks and their use of Gods to fulfill their spiritual, social and psychological needs. A lot of temples were erected for Greek deities, and the ancient Greeks worshipped Gods to avert calamities, to secure the success of a certain harvest, or as thanksgiving for success in battle or deliverance in wants and wishes. Homeric songs tells stories of how man realizes that all events are governed by natural laws. In the Homeric world, fantastic beliefs and superstitions governed one important aspect of the ancient Greeks– immutable fate. Homeric poems reflect the occasional doubts of the ancient Greeks in prophecy, and the observation about the shortness of life, and the suffering of earthly existence. The great epic writer Hesiod’s philosophy of life rests on the idea of the deterioration of mankind. Hesiod’s perspective runs along the idea that  according to the will of Zeus, the human world is governed by justice and the animal world is governed by might. Hesiod reflects a society then that were seeking the truth and searching for the morality guidelines. And the human conduct of the ancients Greeks of the time were very much intertwined with the behavior of Nature, for example, if they were morally good, they would be blessed and rewarded with bountiful harvests. However, on the other end of the continuum, when a sin has been committed, such as the unconscious incest of Oedipus, all Nature is affected by the offense of man. During the period of the Dorian migration, the ancient Greeks were extending their territorial possessions to a greater extent. This brought about a lot of different morals and customs changes due to social and political changes. All this is reflected in the poetry, philosophies and writings of that era. Passion and feeling was more eminent now, and the attitude of the ancient Greeks towards nature was no longer observational and descriptive but emotional. The ancient Greeks are becoming more conscious of individualism and one’s own strength and significance. The increase in property and material goods in the Greek society intensified the deep feeling in the ancient Greeks that earthly things are transient and a lot of them started to look at a more superterrestial support that would assure them security and permanence amidst all the changes in mortal things. The ancient Greeks were also more possessed by an innate immense religious fear, the fear of sinning or omission against any gods. A lot of them felt the necessity for atonement and purification. During this time came the advent of cleansing rituals, an example being the purification of Athens by Epimenides after the defilement of the city by Cylon. Epimenides and many similar holy people of his time would go into trances that would provide him with divine revelations. Epimenides was considered very close to the gods, due to a mode of life made holy by asceticism. Prophets and priests like Bacides and Sibyls reflect the need of the ancient Greeks for atonement. These prophets and priests were called upon to perform purification rites and prophetic trances. Spirit conjuring became a common practice, too. With Socrates and Socratic philosophy, the sophists and many philosophers moved away from the ? physics’ of Nature and concentrated on man’s correct conduct of life. Great philosophers like Plato and Aristotle were the important influences that would shape Western thought and culture. They sought to unravel the intellectual limitations of man and the need to find answers to ethical questions. Side by side with this, spawned the Hellenistic Philosophy, which served to explain the change in world conditions at that time when the Greek Polis was destroyed. Inspite of all the Greek philosophers that sought for intellectual wisdom, the fantastic myths and gods of the ancient Greeks still survive and prevail. However, the Greek philosophers made a great effort to obtain a dichotomy between myth and logic. The efforts of these philosophers would prove to be of great influence in modern Western tradition and rationalism. Bibliography. Cornford, F. M. , From Religion to Philosophy. New York: Harper, 1957. Guthrie, W. K. C. , A History of Greek Philosophy. 5 vols. New York: Cambridge, 1990.

Modern Environmental Degradation And Exploitation

result from the defeat of the capitalists and lead to a democratic planning about the production and resources of the planet. This seems most required in the face of modern environmental degradation and exploitation. One of my most vivid memories is looking at a group of protesters, stand beneath the large â€Å"Bank of America† signboard in Midtown Manhattan, chanting â€Å"Climate change! Peace over profit.† As I participated in the largest climate march in history this fall in New York, I could see the reflections of a dissatisfied class amongst the protesters. The disgust at the exploitative means of the capitalists was not limited to the so-called working class. Instead, students, citizens of the future, were at the forefront, protesting the harmful practices that, in the name of profit, degrade the natural splendor and resources of our planet. Since every transformative process bears the scars of revolution, Marx argues that, in emerging from the shackles of capit alism, socialism or the â€Å"first phase† of communism will bear the birthmarks of the previous order. Thus, each worker will be given credit for his contribution. When these changes transform the society and socialism extends throughout the world, humanity will enter the final stage of pure communism characterized by Statelessness, Classlessness and Propertylessness. Since no one shall lack personal possession, no one will have the authority to exploit another for private gain. In such a classless society, everyone willShow MoreRelatedNineteen Lessons Of Environmental Sociology By Kenneth Gould And Tammy Lewis1324 Words   |  6 PagesThe authors of the book â€Å"Twenty Lessons in Environmental Sociology†, Kenneth Gould and Tammy Lewis, provide a critique on the interactions of various social systems and ecosystems by many different scholars and institutions. 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