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Please let us know if you have any other questions. This helped me so much, I’ve never written a cover letter before. Thank you so much RG! We are glad that the information is records helpful! Please feel free to read other related articles and let us know if you have any questions. Hey please i want to apply for a post of an armorer in the ministry of defense in our country advertised in the dailies. It wants people with high school education and i basically have that. Please lead me through… We will need more information regarding the job posting as well as your background to lead you. Hi!

Do you have cover letter samples to apply as a job intern? Not currently, but it is on our list of Essay samples to add. For now, our student sample above should be helpful in giving you some ideas on records how to format your own. Thanks a lot RG this was very helpful. Before today I have never done a one, now I have confidence with putting together a cover letter. One small question though, what should I name the cover letter? We are glad that you found our cover letter resources helpful. How To Cliff! You can simply name your it “Deitric (last name)’s Cover Letter.” That way, it will be easier for the employer to spot as they go through all the applicants in their inbox.

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You may find the job ad with the Mob Violence names included. If this doesn’t work, then it is freepunk acceptable to components address the cover letter with “Dear Hiring Manager.” Good luck on the job hunt, I normally just put Dear Hiring Manager. Freepunk! I’ve had issues where you call and there are multiple people who do the how to jump off a hiring, so I don’t know who will be doing my interview until the day I have my interview. If I ask the employee there like, “Oh I’m not sure.” I’m going to freepunk forward this to a client of mine I was just talking to him about this. Now he’ll know that I’m not just trying to make his life miserable. Great! We hope they find our resources helpful. I have done my resume and now I’m preparing myself to do CL, but I have problem with it, because everything is ancient athens education wrote in resume – especialy introduction.

It would be the best if I could copy my introduction from resume to freepunk CL, because there is almost the same to write. Point! please advise. Some of the contents from freepunk, your resume intro should be used in you CL, but should not simply be copied. If you read the above guide and download the template pack, you will learn exactly what information should be included. Also, be sure to check out our CL samples to give you a better idea on how you can word your cover letter. Good luck on the job hunt! I am trying to write a cover letter for a managerial position in the hospitality field. However, I do not see any examples. We are in the process of adding new cover letter samples and have included your suggestion in the list. In the meantime, follow the internal components of a computer guide above and download one of cover letter templates.

Good luck on the job hunt! Basically, a cover letter is freepunk records a letter of introduction. Usually I state the name of the acetate point position I’m applying for and why I am qualified for the position. Records! At the education end of the freepunk records letter, I’ll write something like “If you have any questions or to schedule an appointment for accounting career goals an interview, please contact me at ***-**-****.” Then double space and freepunk records type “Sincerely” and then space 4 times and internal type your name. You’ll be signing in the space above your typed name.

This has been most helpful. GBU. Glad you liked it. Share it with you your friends. GBU, too! I am working on a resume for an experienced welder, One of the requirements is records a valid drivers license, which I do not possess at this time , but if I was hired, I could pay the traffic fine and get my license back with my first paycheck. Should I explain this on my resume or by telephone or in person or not at mall.

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Can someone explain? Thank you. thank you so much RG you really shade light on cover letters, i was clueless wat it was so mostly i would ignore it and send my applications without one from today i will do thngs differently. Download our cover letter template pack and freepunk use the tips written above. That should get you started.

Best of luck! How to address gaps in employment. My mom passed away unexpectedly in 2005. I was incapacitated by depression and The Threat of Anne Essay examples unable to freepunk records work from 2005-2008. The Threat Of Anne Essay Examples! Got a job in 2008 was employed until 2012 when I had a baby. i have been a stay at home mom. Ready to go back to work again. Freepunk Records! How do I address the Essay gaps when posting my resume on job resource sites? I have spent the past six months working reworking my resume. Freepunk Records! I’ve searched hundreds of resume websites; Resme Genius is, by far, the best. Would appreciate any advice.

Thanks for the kind words. One of the easiest ways to components of a computer mask your work gaps is to use a functional format: https://resumegenius.com/resume-formats/functional-samples-writing-guide. Give it a try and see what you think. Records! Good luck on the job hunt! How do explain a reason for leaving a company when you hate your job/employer, more management than the accounting career job itself. We always recommend not to freepunk burn any bridges with former employers and to leave on a positive note. The Threat Of Anne Examples! So in that case, we suggest that you explain that you are looking for an opportunity in a new industry or a different position. Although it may sting, make sure to also thank management for the opportunity you were given.

Good luck! Struggling with how to address a cover letter for a summer internship. Freepunk Records! I’m not applying for athens education a posted internship, just going to show up at freepunk records, an organization that my school advisor suggested I reach out to. I have no idea who I’ll be giving my cover letter to, but I don’t want to say “dear hiring manager” because technically they wouldn’t be hiring me… right? Aside from that, this guide was still very helpful. We’re glad that you found our advice helpful. Athens! In your case, “Dear Hiring Manager” or “Dear Madam or Sir” would be appropriate. Good luck! So i have been asked to email my salary requirements, Here is my situation though, I previously worked with this company in the same exact role. I left for another job opportunity ( which built my skill set and experience) about a year ago this month. They have asked me to come back and fill that position again.

How do I compose a salary requirement. In this situation you have the leverage, so it would be fair to ask for 10-20% more than you were paid before. Freepunk Records! The skills and experience you gained over education the last year make you more valuable than you were before. Good luck! Hi, I am trying to records help a friend who is looking to move into internal of a computer, a completely different line of work, he has only had 1 job since high school, which has nothing to do with what he really wants to do. How do you approach that in a cover letter, since he has no experience in the field? Your friend will have to discuss their general skills or traits that are relevant to the job. I just turned 62 and freepunk records want to Essay examples retire from my current job, but not ready to retire.

Any suggestions on how to “put my best foot forward” when applying for a new position in an industry I’ve never worked in freepunk records, before? When applying for a position in an industry that you’ve never worked in before, the first thing you should do is come up with a list of the relevant skills that you can transfer over to that industry. From there, you can work on ‘selling’ those particular skills in your cover letter and resume. Ancient Education! Good luck! So glad I stumbled upon freepunk, this. Glad you found it helpful!

I’m applying for a new job but the mining company has different projects. Would I have the company’s address or the project site address? We recommend that you use the address that the cover letter is ethyl acetate point being sent to. If you are not sure, then use the company’s address. Good luck! Some cover letter here have helped me move on to another level.

Through this i had to pay bills for my ailing child . Thanks you have been of great help through the way to write a winning cover letter. Great information! My question is freepunk records I have been out of the athens education work force for records about a year and a half due to birthing children and staying home for accounting career them. I am wondering if this is something i should include on my CL to explain my gap in work history or is freepunk records this information to personal to how to jump off a cliff include? Great question! If your work gap is longer than a couple of months, then you should certainly include an explanation in your cover letter. Don’t spend more than 1-2 sentences on your explanation though. Remember that you want to freepunk keep the focus of your cover letter on your experience and qualifications. You can say something like “After taking some time at home with my family,” then express how excited and enthusiastic you are to return to the work force and how this position is exactly what convinced you that now is the time to do so. You can use that phrase for maternity leave, or caring for Essay older family members, or even your own issues. Shoot, you can use that even when you didn’t choose to take a break, so to speak.

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what if there is no job description given? how do you start of with the cover application in such a scenario? Even without a job description you can still follow the freepunk records template above. Look up job descriptions for the same position from other companies to get an how to off a idea of records what the internal components of a employers is looking for. Unless requested in the job ad, leave your salary requirements off your cover letter. Good Luck! Fair point – it’s always good to be careful when sending out personal information.

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The New Zealand Railways Magazine, Volume 1, Issue 7 (December 15, 1926) First Prize Essay. After a century of railway working all over the world, and despite the fact that we have almost said the last word in safety, both in protecting the millions who travel by freepunk train and The Threat, the employees who work them, accidents still happen and sometimes with disastrous results. It is with a view to minimising them, so far as our own railways are concerned, that I would give a little sound advice to the younger members of the records, service, and I include all Departments, viz., Locomotive, Traffic and Maintenance. From experience gained in the course of nearly twenty-five years in accounting career goals the Traffic Branch, I have come to the conclusion that it is the younger men of the service who really need advice on freepunk records the question of safety. There is an old saying “Fools rush in where angels fear to tread.” Take the locomotive Department first. If a knoek develops on The Threat of Anne Hutchinson examples an engine, the good old saying, “take no risk,” is at once apparentyou may come in contact with a bridge or other obstacle.

Play safe, stop, and then look round for anything loose about the engine. The same remarks apply to the fireman. If he has to trim coal there is freepunk always the danger of striking an overhead bridge or telegraph wires crossing the line. Keep well down towards the front of the tender when engaged in this work. When an engine is slipping badly, and the sand pipes are blocked, great care requires to be exercised; if tapping pipes with hammer or other tools you are dangerously close to the motion, and a shattered arm is the result if you come into contact with same. Again I say, play safe, stop and ancient athens education, adjust matters. To my mind one of the most dangerous undertakings on our railways is performed by an employee who is called upon to run over freepunk, any portion of the track with a velocipede or trolley. Here it is a question of being absolutely sure of your whereabouts and the time the Essay, train is due to pass, to say nothing of records, special trains. Internal Of A Computer. No chance must be taken hereit is all too perilous. Be certain your watch is correct time and that you have advice of freepunk records, specials running.

Don't foolishly go ahead although you may be a little late, especially where curves or tunnels intervene. Ethyl. It is usually at curves where the records, long list of fatalities is added to. Again I say, “Don't risk it for the sake of a few minutes. It's not safe. Your life is worth more than a few minutes.” A train speeding into athens the station at a fairly high rate of records, speed seems to have a fascination, and sometimes a fatal one, for the young and more athletic members of the staff, who, to save a walk of a few hundred yards, will deliberately risk their life by of Anne Hutchinson Essay examples attempting to jump on the engine, wagons, or footboards of cars. They sometimes miss andyou know the result. This dangerous practice has unfortunately taken a heavy toll of members in the past. Think twice when you see a train running into the station and freepunk records, don't endanger your life in Essay this way.

Sometimes work about the records, yard, such as cleaning points, etc., entails a member being engaged in close proximity to internal of a computer the rails. Always make it a practice to work at the side of the freepunk records, rails. You can do this work equally as well as by taking up a position in the centre of the track, and don't forget to keep a good lookout both in jump cliff front and rear. Always keep in freepunk records mind a rake of trucks or engine may come along. When working in their repair siding or when circumstances arise where it is necessary to go under a car or wagon for any purpose, train examiners would be well advised to place (in addition to of a the discs put up to block the road) one or two detonators on the track a little distance from where their work is. Freepunk Records. Always remember, no shunter has an internal components computer, infallible memory. Protect yourself; it makes you doubly safe.

To all members I say never get into the bad habit of walking between buffers of wagons or cars at short distances apart. I think it is the worst fault any employee can have levelled against him. Far better to climb through wagons, if stationary, or walk around. You take a grave risk otherwise. Never leave anything lying about between the records, paths where shunters have to run. There is a grave risk of ethyl point, serious accident to some member if you do. Gather up all tarpaulins and stanchions and put them clear. To the younger members, providing they have had a little training and experience of shunting and it is the freepunk, practice now to bring them along gradually in off a cliff the workall I say is: keep cool and collected at all times. An excitable man in a shunting yard, be he stationmaster, foreman or shunter, is freepunk records a menace to everyone working in conjunction with him. There is an old saying, “Shunters are born, not made.” This is true to a degree, but there is nothing to prevent the page 13 novice or timid youth from becoming expert if he will just keep cool and collected.

No matter how thick the work is, don't rush about blindly. You get nothing done that way. If in doubt, stop all movements and Mob Violence Essay, think for a few seconds. Both by day and night give all your signals clearly and distinctly. Keep the driver well in view. Take a good hold when riding on wagons and always be prepared for freepunk records a sudden stop. The reason for this is obvious in a shunting yard. If a hook jams against a buffer, watch your hands and on no account attempt to meddle with it or a shattered hand may result. Play safe, stop and right matters. Always be careful when cutting off loaded “Ub” wagons, as there is a lot of play between buffers on this class of wagon and a crushed thigh might result if rounding a curve at ancient athens education the time of freepunk, kicking off.

No doubt a lot more could be written about working on railways, but 1,000 words is the limit. The whole position summed up is: Keep cool and don't attempt anything rash whilst moving vehicles. Always be sure to pin brakes down on wagons left in a siding. Watch the older hands going about among vehicles, coupling up and cutting off. They take no risks, why should you?

Again to the younger members I would say, “Read the little book, ‘Shunting Risks,’ and heed them, together with the few remarks I have added about safety generally, and I feel sure you will go through your railway career safely.” “Accidents will happen,” is an old adage that applies to the outside staff engaged in railway work perhaps more than to how to jump any other occupation. There is little doubt but that a large number of accidents occur when the victim is endeavouring to freepunk records go a little faster than usual. Athens Education. The railway service contains as near the 100 per freepunk records cent, of triers as any other service, and members will speed up when the work gets behind. Each driver will run to time if it is reasonably possible to do so.

The same applies to the guard and every member connected with train running. But the member who is nearest the danger zone at point all times is the one engaged in freepunk shunting. When orders come thick and fast, and trains are getting away late, the work worries him and risks are inevitable. Why should a man worry about his work when he knows in his own mind that he is doing his best? The old system of punishment is partly to blame. It has created a feeling of fear. Many men have been punished when it would have been better for the service and the men concerned, if they had been given encouragement to do better. Members of the service have taken risks in an endeavour to avoid delays with the resultant correspondence and perhaps punishment. The new merit system will go a long way to remedy this. The member who has a run of bad luckand most men have a bad run at timeswill have a chance to make good and Essay, wipe off his demerit marks. To reduce accidents to a minimum it is records necessary that all members should have a thorough knowledge of the rule book.

Knowledge gives confidence, and the rules and internal components of a computer, regulations have been drafted by practical railwaymen after many years of experience. Many members hold the opinion that the regulations exist solely to victimise the staff, but on closer acquaintance it will be found that they have been drawn up for the protection and safety of the staff as well as in the interest of the records, Department. Officers placed in charge of men engaged in dangerous work should be efficient, firm and humane. Discipline is necessary, but that does not mean that complaints and ethyl acetate melting, grievances should be treated with indifference or contempt. Many will be found to be frivolous or impracticable. Some are genuine. Freepunk. A member of the service had occasion some years ago to complain about the long hours of duty.

In the course of the interview he told his superior officer that if some alterations were not made the men would drop. The officer, one of the old school, dismissed the subject by saying, “Well, drop!” Later on the officer retired and the conditions were soon improved and made safer for the men. Concentration on the job in hand is necessary if it is to be accomplished smartly and without risk. A member engaged in shunting should be sure that the men on the engine understand what he intends to accounting do before slipping or tail-roping wagons. Freepunk Records. Just calling out is not sufficient, because, if the ethyl, injector or pump is working it is difficult for freepunk them to hear.

To lay down a hard and fast rule for the prevention of accidents is a difficult matter, owing to the fact that the accounting career, circumstances leading up to freepunk records accidents vary according to the nature of the page 14 work performed. Vigilance and caution at all times is the internal components of a, price the railwayman must pay for his own safety and the safety of others. A shunter will lose his hold on a wagon or his foot will slip when in the act of freepunk, lifting a hook. Accounting Career Goals. He will, no doubt, be an efficient shunter in every way, but owing to rush of work his mind is records crowded and he fails to concentrate on the job in hand. Accidents of this nature are not due to carelessness or indifference. On the other hand there is the surfaceman, who, without carefully reading the train advices for the day and consulting his watch, hauls his velocipede on to the line and of Anne Hutchinson examples, sets off along the length. He carries his life in his hand. The writer has on more than one occasion noticed a surfaceman, with his back to an approaching train, pulling along the records, line oblivious of the fact that he was in danger. On one occasion by slowly reducing speed a train got within fifty yards of education, a velocipede before the surfaceman heard the whistle which had been blowing for freepunk records about three hundred yards. Athens Education. There was a touch of humour in records the way he scrambled off the velocipede, pale and speechless, and tumbled it off the line, becausehaving been seen in timehe was never in danger of being run down.

Members of the service using velocipedes should know the instructions laid down for their safety and, when riding alone, should look behind frequently. Time is valuable in railway work, but not more so than human life and limb. The necessity of trains making time is uppermost in the minds of all members. What is required is that time and safety shall be so closely associated that in thinking of cliff, one the other will always be present. Perhaps it would be a good idea to alter the wording of records, Rule 5 * to read: “The first and how to jump cliff, most important duty of every member is to provide for freepunk the safety of acetate melting point, himself and the public”; and make it a slogan. Freepunk. It would impress on all members the necessity of thinking out safe methods and would develop the safety habit. Risky methods would in time be eliminated. Young hands joining the service would be trained by the example of those they were associated with and components computer, the service would be more efficient and safer for each member, his mates and the public. (By A. P. Godber, Assistant Workshops Foreman, Hillside.) The better title for this subject would be “Safety First, Last, and all the freepunk records, Time.” Considerations of safety have results affecting more than the goals, member concerned. Lack of proper precautions may result not only in freepunk records temporary or total incapacitation to the person concerned, but following in its train are: possible injury to fellow employees, loss of working values to the Department, and financial loss and anxiety to the relatives of the ethyl, delinquent.

How necessary it is for care to be exercised in seeing that all is clear before moving wagons, the long list of employees crushed between vehicles bears ample testimony. Especially is this so at night. The clearness with which signals are given contributes, in no small degree, to the safety of shunters, and their assistants. Handhold before foothold should be the maxim of all whose duties need them to board moving vehicles. After an engine has been standing for freepunk some time, or is in running shed under repair, before moving the reverse lever, make a point of seeing that no one is likely to components of a computer get caught in freepunk the motion. Missing fingers point (?) to the wisdom of jump, this. When shunting about goods sheds and restricted situations, don't put your head out at the side unless certain you are clear of all obstructions. Failure to place danger signals when working under vehicles is a frequent cause of freepunk records, accident.

In the case of locomotives, give the “Don't Move” board a prominent place. Walking in the centre of the track courts disaster. “Keep off the grass” is not applicable to Mob Violence the well kept roadbeds of the New Zealand Railways, but “Keep to records the side” is of Anne good safe advice. Records. On the velocipede take nothing for granted. Never let up on Mob Violence eternal vigilance. Make it a habit.

Shovels left with the blade edge uppermost will trap the unwary. Freepunk. If unable to stand them upright, lay them down with blade or points (in case of forks) facing downwards. Waiho River and Gallery Valley (showing hotel), Southern Alps, South Island. How usual to ancient education see an employee go to an emery wheel, and jerk the belt on to the tight pulley with one movement! Perhaps the belt breaks, perhaps it does not. The risk is there all the records, same, and the need for “safety first.” It is a bad example to younger men. Because emery wheels are better made than formerly, is no reason to neglect a safety first habit, and grind on the side.

Too large a gap between wheel and rest has often meant another kind of rest to the careless workman. Never clear the cuttings away from a moving tool, or job, with the finger. It is often painful. The homely grindstone has potentialities for harm if the tool to be ground is incorrectly used. There is a safe side for grinding.

Do not poke the chisel at an upward angle, with the acetate, stone revolving towards the point; grinding from the back is freepunk safer. Locomotive Development In New Zealand. Fifty Years Of Progress. Modern “A” Class Locomotive. Old “A” Class Locomotive (1873) Stop for a moment and of a computer, think what you would do if your mate met with certain injuries, a broken leg, or a severed artery.

First aid promptly rendered may be the difference between the doctor and the undertaker. First aid is freepunk records first cousin to athens safety first. Should you be working with molten lead, be sure there is no moisture in the cavity to be filled. Goggles may not look pretty, but they save pretty eyes; whether from records, grit, or when working contiguous to a brilliant light, as at a moulder's cupola, or when performing acetone and electric welding. Remember, there are rays of light invisible to internal of a ordinary vision, but which are dangerous to eyesight. Suitable goggles protect against injury from this source. A serious accident caused by neglect of “safety first” principles, reacts on the nerves of one's fellow workmates, and records, may contribute to further mishaps. Let this thought be latent in your mind: “Are my actions, or operations, safe, either for Mob Violence Essay myself, or others?” Finally, exercise all care at all times, in all operations you may be engaged in.

Let up for not one single moment. Enlarge the slogan of “Safety First” to records “Safety First, Last, and all the Time.” Health, strength, skill, “quick to act,” good eyesight and good hearing are the principal elements of the physical man on his positive side, while disease, weakness, clumsiness, awkwardness, laziness and poor eyesight constitute his major negative characteristics. Dorothy Creek, Lake Kanieri, Westland, South Island. * Rule 5 reads: The First And Most Important Duty Of Every Member Is To Provide For The Safety Of The Public.

This is also printed at the head of every page in the Rule Book.

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essay on telebanking Information technology in the banking sector : opportunities, threats and strategies. Graduate School of Business and Management, American University of Beirut, 1998. The 21 st century will bring about an all-embracing convergence of freepunk, computing, communications, information and knowledge. This will radically change the way we live, work, and think. The growth of high speed networks, coupled with the falling cost of computing power, is making possible applications undreamed of in the past. Voice, data, images, and The Threat of Anne video may now be transferred around the records, world in micro-seconds. This explosion of technology is changing the banking industry from paper and branch banks to' digitized and networked banking services.

It has already changed the internal accounting and management systems of banks. Components Computer! It is freepunk, now fundamentally changing the Essay, delivery systems banks use to interact with their customers. All over the world, banks are still struggling to find a technological solution to meet the challenges of freepunk, a rapidly-changing environment. It is clear that this new technology is changing the banking industry forever. Banks with the ability to invest and integrate information technology will become dominate in acetate melting point the highly competitive global market. Bankers are convinced that investing in IT is records, critical.

Its potential and consequences on the banking industry future is accounting goals, enormous. Technology and records Banks Transformation. Computers are getting more sophisticated. They have given banks a potential they could only dream about and have given bank customers high expectations. The changes that new technologies have brought to banking are enormous in their impact on officers, employees, and customers of banks. Advances in technology are allowing for delivery of banking products and services more conveniently and effectively than ever before - thus creating new bases of competition. Rapid access to The Threat Essay critical information and the ability to act quickly and effectively will distinguish the records, successful banks of the future. Ethyl Acetate Melting Point! The bank gains a vital competitive advantage by having a direct marketing and accountable customer service environment and new, streamlined business processes. Consistent management and decision support systems provide the bank that competitive edge to forge ahead in the banking marketplace. Major applications.

The advantages accruing from computerization are three-directional - to records the customer, to the bank and to the employee. For the customer. Banks are aware of customer's need for components of a computer new services and plan to freepunk make them available. Accounting Goals! IT has increased the level of competition and forced them to freepunk records integrate the new technologies in order to satisfy their customers. They have already developed and implemented a certain number of solutions among them: Self-inquiry facility: Facility for logging into specified self-inquiry terminals at the branch to inquire and view the ancient athens, transactions in the account. Remote banking: Remote terminals at records, the customer site connected to the respective branch through a modem, enabling the customer to of a make inquiries regarding his accounts, on-line, without having to move from his office.

Anytime banking- Anywhere banking: Installation of ATMs which offer non-stop cash withdrawal, remittances and inquiry facilities. Freepunk! Networking of computerized branches inter-city and intra-city, will permit customers of these branches, when interconnected, to transact from ancient any of these branches. Telebanking: A 24-hour service through which inquiries regarding balances and transactions in the account can be made over the phone. Electronic Banking: This enables the bank to provide corporate or high value customers with a Graphical User Interface (GUI) software on a PC, to inquire about records their financial transactions and accounts, cash transfers, cheque book issue and inquiry on accounting, rates without visiting the bank. Moreover, LC text and details on bills can be sent by the customer, and the bank can download the same. Records! The technology used to athens education provide this service is called electronic data interchange (EDI). It is freepunk records, used to transmit business transactions in how to jump off a computer-readble form between organizations and individuals in a standard format. As information is centralized and updates are available simultaneously at freepunk, all places, single-window service becomes possible, leading to effective reduction in waiting time.

For the bank . The Threat Hutchinson! During the last decade, banks applied IT to a wide range of back and front office tasks in addition to a great number of new products. The major advantages for the bank to implement IT are: Availability of a wide range of inquiry facilities, assisting the records, bank in career goals business development and follow-up. Immediate replies to customer queries without reference to records ledger-keeper as terminals are provided to Managers and Chief Managers. Automatic and prompt carrying out of standing instructions on due date and generation of reports. How To! Generation of various MIS reports and periodical returns on due dates. Fast and freepunk records up-to-date information transfer enabling speedier decisions, by ethyl melting point interconnecting computerized branches and controlling offices. For the employees . IT has increased their productivity through the followings: Accurate computing of cumbersome and time-consuming jobs such as balancing and records interest calculations on due dates. Automatic printing of covering schedules, deposit receipts, pass book / pass sheet, freeing the ancient, staff from freepunk performing these time-consuming jobs, and enabling them to Essay give more attention to the needs of the customer. Signature retrieval facility, assisting in verification of transactions, sitting at their own terminal.

Avoidance of duplication of entries due to existence of single-point data entry. A search of the banking literature reveals that banks are moving rapidly to take advantage of recent and new customer service and cost reduction opportunities that new technologies offer. Freepunk! A sampling is in the table below: Internet: Riding the tiger. The Internet is rapidly becoming the information superhighway of a global electronic marketplace. The rising commercial interests in the Internet are especially evident in frontend applications such as electronic catalogs, yellow pages, storefronts, malls, and customer support centers. All these applications are based on the World Wide Web (WWW) -- the fastest growing segment of the Internet. Although back-end applications such as electronic data interchange (EDI) are equally important, their adoption has not been as rapid. One major concern is security: the Internet is generally perceived as not secure enough for transmitting sensitive data such as payments.

Upon a closer look, however, this view is ethyl acetate, not warranted, since technologies such as public key encryption and firewalls address essential security concerns. Moreover, such technologies are already available. The only remaining barrier is the lack of real world users of those technologies. The pilot project between Bank of America (BofA) and one of its large corporate customers involves transporting financial EDI transactions over the Internet. If successful, BofA expects that this new EDI option will lead to records a reduction in telecommunications costs, an improved position with respect to its value-added network (VAN), and valuable learning experience with the The Threat Essay, Internet environment, which is becoming increasingly important to the bank. The project is also significant beyond BofA: because it is one of the records, first large-scale, real-world trials, its outcome will help dispel many uncertainties surrounding Internet-based EDI, and how to off a encourage more companies to move in this direction.

Investing in technology . According to a survey conducted by the American Bankers Association, US banks expenditure on information technology grew from $16.3 billion in 1994 to $18.7 billion in 1995-an increase of 14.7%, and $1 billion more than the freepunk records, same bankers forecasted they would spend in last year's survey. By 1998, the banks expect to spend $21.2 billion (an increase of 7. 1 %). How to survive . The key to survival is customer service. Customer loyalty will be determined by convenient and innovative delivery of products and personalized services. In the Essay, '70's and '80's, banks were marketing to a generation raised on old style banking: personal interaction at a banking office. That generation was disdainful of impersonal service and afraid of computers. Convenience was having a branch in freepunk one's neighbourhood.

Today, personal service and convenience are still the critical factors in the banking relationship, but they are defined differently. Consumers still want to bank with a financial institution they know, and one who knows them, but they do not necessarily want to go to the bank. They are not afraid of computers and technology; they embrace them. Convenience is doing their banking when they want, and where they want. They are now comfortable with personal computers and other electronic devices. They expect fast, efficient, and accurate service And the only way to ethyl acetate point cost effectively provide the instant, quality service that customers demand, and that the competition provides, is through intensive use of the most advanced information technologies and through good people trained in the use of these technologies. Freepunk! For all these reasons, the banks delivery systems are completely changing. The new Delivery Systems . The increasing cost of building brick-and-mortar branches, decreasing cost of computers, high delivery costs and slow revenue growth force a relook at the conventional delivery systems. Moreover, growing comfort of technology usage by the customer is rapidly fostering usage of non-branch channels for routine transactions. The new strategy changes the focus of the branch from being a high cost transaction center to a provider of a wide range of services like telebanking, customer service kiosks, ATMs, and remote electronic banking.

New Marketing Opportunities . As the new technology is so expensive banks need to use the new systems to do more than deliver information and basic services. Banks need the ability to also sell insurance and investment products to get a better return on this investment. Telephone banking can bring financial services to the home or office, especially if they are affordable screen phones. By noticing how much interest the customer expresses, the bank can market stock quotes and insurance quotes. Ancient Education! Interactive videos are new technology that banks can make available to the customer to maintain personal contact while still lowering the expense of delivery service. With an interactive video an expert employee is not needed in each branch. Complex life insurance products, open brokerage accounts, customized product illustrations can be widely available where needed.

The interactive videos will be cost effective expertise. The internet is a medium to allow banks to offer products to freepunk customers outside the normal customer base of a branch. Banks are aware of the customer's need for these services and plan to make them available before other sources do. Drawbacks . Of A! Early experiences with electronic commerce in the banking industry, which has been a pioneer in the use of freepunk records, electronic systems, can be used to learn of some potential dangers and issues to be taken into account. The use of Automated Teller Machines and electronic home banking systems has increasingly allowed customers to bank outside of traditional bank facilities, for most of acetate melting, their usual transactions. This was consistent with the cost-savings strategy of most banks, which discovered that electronic transactions were about seven times less costly compared to the manual handling of these transactions by records a bank teller. Nevertheless, the fact that customers' only contact with their banks was through (rather unsophisticated) electronic interfaces, and the major difficulties in integrating the legacy systems of Mob Violence Essay, a typical bank, prevented banks in many cases from freepunk records selling additional products to customers (cross-selling). How To Jump Cliff! In some European markets, the insurance companies took opportunity of that to grab business from banks, selling savings products to customers through their extensive distribution network. Similarly, the decrease in human interaction with customers could also lead to a less sophisticated understanding of their needs, as they're not always able to express comments, criticisms or requests for new products while interacting with machines. This should lead to a design of electronic commerce systems which incorporate capabilities for customer understanding and for proactive selling of new products. Electronic business transactions can only be successful if financial exchanges between buyers and sellers can occur in a simple, universally accepted, safe and cheap way.

Various systems have been proposed, some of freepunk, them based on traditional mechanisms (e.g. credit cards accounts) while others rely on new designs, such as electronic money. The key here will be to find a few widely accepted mechanisms, which can be used by most actors. The recent agreement between Mastercard and The Threat Hutchinson Essay Visa on one security standard for credit card transactions over the Internet, and its backing by most major software vendors is one step in the right direction. Records! This doesn't diminish the need for more specialized systems, for instance to allow microtransactions, the exchange of very small amounts of money (a few cents) in ancient education exchange for information or services. These new payment mechanisms will in turn enable new business models such as pay-per-article newspapers. The Lebanese Case. During the last civil war (1975-1990), eighty percent of the Lebanese infrastructure was destroyed. The remaining twenty percent are now outdated. The Lebanese banking sector was heavily affected by the war.

They lacked the information technology revolution in the banking sector. It becomes a strategic necessity for the Lebanese banks to freepunk records implement the new technologies at education, all levels, transactional level, managerial level and executive level. In the 1990's they started implementing IT capabilities to change the work organization, raise the productivity, cut costs and deliver the best services to their customers and increase their profits in records the same time. Most of the Lebanese bankers believe that IT will enable them to face the foreign competition and the possible consequences of the coming peace. Technology Adoption . The vast majority of the Lebanese banks have set very high standards of excellence for themselves in terms of technology, state-of-the-art facilities, customer service and customer orientation with all facets of operations totally computerized. Accounting Goals! The banks also make extensive use of communication technology to provide off-site banking facilities including ATMs.

Their ambition is to position themselves as technology-driven banks offering superior services to both their clientele classes - the freepunk, corporate customer and the retail customer. The corporate customer typically requires quick disposal of loan applications and maximum returns from the cash balance. The needs of the corporate customer are functions of the speed of response. Technologically the answer to this is a reliable network connecting branches that run on-line. The first steps . At the early stage , Lebanese banks started to build their databases and automate their work procedures. Most banks have adopted ready made packages for their internal operations.

Currently, these banks are replacing their old information systems. The banks branches are planning to provide state-of-the-art services to their customers enabling a rapid growth of the bank's performance in a very competitive marketplace. Different approaches are followed in the Lebanese banks to acquire and implement the new technologies. Banque du Liban et d'outre-mer (BLOM), for example, has developed its own complete banking information system. While Ban k Audi followed another strategy and purchased an on-line information system providing a real time on line branch network with an up-to-date banking and customer information to ancient athens education senior management, middle managers, end users and business analysts.

Both information systems, in BLOM in Bank Audi are scheduled to run during this year. The major reasons behind adopting or developing new information systems are: Rapid geographical expansion has forced banks to freepunk records replace their off-line systems by an on-line system linking the accounting, branches to freepunk the head office through the telecommunications network. Restructuring bank's processes in order to reduce staff expenses which constitute a large part of the operating costs and a heavy burden on its operating profitability. The Threat Of Anne Essay Examples! Incompatibility of the freepunk, old systems with the strategic necessity of integrating new technologies like ATMs, telebanking, etc. in order to provide the high quality services to the customers and competing on Essay, an equal foot with the foreign banks. The competition . The Lebanese banks are also planning to offer the entire range of records, services like telebanking, ATMs, etc. They also respond very actively in how to jump off a the marketplace in introducing new products and services.

Arab Bank was the pioneer in introducing ATMs in Lebanon. Arab bank started to install ATM machines in 1993. Other banks followed, by establishing in 1994 a network called Link Network, using Link cards. About 25 banks have joined this network and records are sharing now its almost 60 machines located in the major cities of athens, Lebanon. The central bank is expecting that about 700 ATM machines will be installed in Lebanon by the year 2000.

Lebanese banks are also introducing remote banking services. Arab bank was also the first bank in Lebanon to records offer this service. Early in 1994, Arab bank installed an interactive voice response system, called Phone Banking. At the ancient athens education, same time, it introduced the freepunk records, computer based remote banking service which is called Corporate banking. Four other banks, Allied Business Bank, BLOM, Universal Bank, and the British Bank of the Middle East followed and education introduced their telephone based remote banking. However these services are providing only inquiry facilities because they are off-line systems.

Technology Assessment . The diffusion and successful implementation of IT in Lebanese banks is not an easy process. Lebanese banks are facing enormous challenges in mastering the new tools provided by records IT. An important constraint to the diffusion and success of IT implementation is the telecommunications infrastructure, another obstacle is managerial practices and organizational weaknesses. In the following section, I will analyse and Essay discuss these obstacles. In evaluating banks'use of records, technology, we look at both the technology in place to serve today's customer and the plans for serving tomorrow's. Accounting! The first objective is to examine the bank's deployment of technology relative to what is records, available, tested, and Mob Violence Essay proven to enhance bank performance. The second is to examine the bank's preparation for the future. We want to answer the records, following questions: The most important issues to be analysed are : To what degree is the bank using proven technologies to enhance performance? Are there any technologies not deployed that would have a significant, positive effect on accounting career, performance?

What level of specialized training has been received by the officers and records employees assigned to selecting, deploying, and managing technology? What level of systems training has been provided to other officers and employees? How effective are the systems that are being used? Is Management monitoring the evolution of banking technologies and planning for the future? Telecommunication infrastructure . The greatest obstacle to real time electronic banking in Lebanon is the telecommunications infrastructure. Telecommunications in the banking sector is The Threat of Anne Essay, a major factor to the success or failure of freepunk, any application or service. The Lebanese telecommunications infrastructure was devastated by the civil war. The process of Mob Violence, rehabilitation and modernization of this infrastructure started in 1993.According to the recovery plan developed by CDR the telecommunications rehabilitation plan will be completed by the year 1998. This means that banks will not be able to rely on the public network until 1998.

The result of such situation is freepunk records, a delay in implementing new services and products like remote banking, electronic funds transfer, real time bank information systems. This has also an accounting goals effect on the reliability of the services already implemented like ATMs. In order to face this challenge, banks began studying the feasibility of installing a private telecommunications network. Four banks, Bank Audi, Arab Bank, Byblos Bank, and BLOM, started in the early 1996 considering the freepunk records, installation of a private network to connect their branches and thus conduct real time banking operations. This network will also be used to connect the ATMs machines which will thus function on-line. However three problems are delaying the implementation of such network: Obtaining a license from the Ministry of Post and telecommunications. The high cost of the equipment 0 The lack of coordination between the members of the Lebanese Banks Association. Human Resources Problems . Banking industry is heavily depending upon information technology that needs professionals for development, implementation and support.

Despite the programs performed by The Threat Essay examples many banks to develop their local expertise in IT, there is still a real shortage of freepunk, qualified personnel. According to a recent survey ( T. Abdul Reda and M. Dayya, Banking IT: a look at Lebanon, AUB, 1996) the following problems were identified: almost half of the Lebanese banks do not have one engineer among their staff. lack of professional training programs. Financial institutions in Lebanon offer a wide range of ethyl acetate, training programs to their employees. However, with respect to their technical IT staff the percentage of training programs is much less, because IT staff are considered to be trained, highly qualified and hence do not need extended training sessions. The consequence of such policy is a reduction of the capability of IT staff to be up to date in the most recent advances . High turnover rate of technical staff. Freepunk! The turnover rate of the technical staff in some 40% percent the Lebanese banks is jump off a, around 20%.

The low salaries and records better opportunities in other industries are the main reasons for this high rate. Computer! Resistance to change. Resistance to change and the absorption capacity is often neglected once the automation system is adopted. However, this human factor is a critical factor in freepunk the success of ethyl acetate melting point, any banking application of information technology. The only records, way to solve this problem is to design adequate training programs and increase the awareness of the employees. How To Jump Off A Cliff! Most Lebanese banks have realized this fact and some of them have established a training centre. These are the major obstacles for implementing IT in Lebanese banks. Another point that should be mentioned is the necessity of planning very carefully the freepunk, development of any new application. A computerization plan is the internal of a computer, basis for implementing successful information technology solutions. To be relevant, these plans have to be linked closely to organizational strategies, objectives, priorities and freepunk records processes. Strategy for the future.

Banks face a serious challenge. Components Computer! The basic structure of the bank is increasingly in records conflict with the changing product, delivery, and service needs of the customers The future belongs to financial service providers not traditional banks. Essay! The vast majority of large banks, will create value networks. Records! Doing so presents tremendous challenges. Banks will have to first develop a comprehensive distribution system that will enable customers to touch them at multiple points.

Banks must also create performance measurement systems to assure the mix products and services they offer are beneficial to both the ethyl melting point, customer and the bank. They must determine whether to deploy new technologies themselves or with other service providers. Nevertheless, technology alone will not solve issues or create advantages. Freepunk Records! This technology needs to be integrated in an organization, with the change management issues linked to people resisting new concepts and ideas. It also needs to Mob Violence Essay support a clearly defined and well communicated business strategy.