UK Retail Banking Sector Essay Example | Topics and Well Written Essays - 3500 words

UK Retail Banking Sector - Essay Example These form 90% of the total market share of the industry. HSBC takes the top position with assets worth $1,267,777 million. The major groups within which this sector can be divided are the big banks, also called High Street banks, the Building Societies, and the Direct Banks. The High Street banks are the normal banks which provide accounts and loans to customers and businesses. They also have branches which can be accessed by customers. â€Å"Building societies are mutual societies, which are owned by their members for the benefit of members i.e. of both savers and borrowers alike.† (Davidmann 2006). These societies were earlier catering to the mortgage market only but have now started providing deposit and accounts to the customers very much like the normal banks. Direct Banks do not have any branches but reach the customer through the internet and other electronic sources. Many High Street banks like HSBC and Barclays also provide direct banking solutions for the convenience of the consumers but unlike Direct Banks, they have their branches for other activities like product sale etc. Tesco Perso nal Finance, First Direct, and Egg are some examples of Direct Banks in the UK. As stated earlier, HSBC holds the top position by market value also at 122.29 pounds (2010). Building societies are not listed but Nationwide building society is one of the main financial institutes. These societies have now started working more or less like banks. The retail banking sector provides loans for various needs and attract deposits from customers to partly finance these loans. The transactions are mostly small in value but high in volume (Buckle and Thompson 2004). As this sector earns through volumes, it is very important to attract customers by providing product differentiation. This is provided by most of the banks by using highly complex Information Technology networks.  

Human Resource Management Essay Example | Topics and Well Written Essays - 750 words - 4

Human Resource Management - Essay Example Sufficient research studies have been undertaken linking Human Resource Management to the overall growth of a firm or organization which is essentially its financial performance. It has been observed that there is a strong positive relationship between the two. In order to be successful, organizations need to invest in and build organizational capability which can be provided by focused HRM practices by HR professionals who create value by increasing organizational competitiveness. This value is created across board, in every division, every team and every individual. The responsibilities of an HR Department are focused on the Human Capital which has begun to enjoy prestige as the most dynamic factor of production. The tasks are multifaceted and includes some of these, listed in order of priority hereunder: People Extends from the day a need is established for taking on people, screening and recruitment, salary negotiation, placement and job profiling, orientation, training and development, periodic reviews and appraisals, handholding, welfare initiatives, exit, replacement. Regulations Knowledge and intervention regarding all laws, regulations, facilities whether state run or internal, that directly or indirectly impact the employees. Various job profiles and content definitions of the Human Resource function have been created and recreated time and again. To have a better view, let us first analyse the challenges that face any organization today.

Personal development Essay Example | Topics and Well Written Essays - 2000 words

Personal development - Essay Example The study of accounts at an undergraduate level opens the career path to be an accountant. Also my inclination towards the subject matter shall be beneficial for the future growth and prospects within the professional frontier. The role of a financial accountant is one that needs sound cognitive ability and good sense of judgement. The Big Four accounting firms recruit in huge batches whenever they have requirements. Such recruitment is done mostly of fresh graduates who shall offer a great and collegial work environment. With a surrounding of people within the same age group and the same inclination towards the subject, the environment becomes more acclaimed towards the company and the profession. Such opportunities help in developing great business networks as well (Tilus, 2012). The job of a financial accountant requires sound knowledge of the different functions of the company because of the level of applicability of the finance department with all different departments of the company. This shall also help in boosting knowledge about overall company functions and relationship and strength of different departments. This also offers the scope to financial accountants to identify loopholes in business practices and suggest changes that might be beneficial to the company. The financial accountant is in a very advantageous position to help the management and develop oneself and expand the scope to the managerial levels than simply restricting one to the level of an accountant. The financial accountant is often promoted to the levels of production or operations manager because of his vast knowledge about various company functions like wholesale, retail, manufacturing, operations, finance and HR and also for the managerial skills acquired thereof. Accounting profession allows for interaction with a number of clients and

Electronic Health Records Essay Example for Free

Electronic Health Records Essay Implementing a new electronic health records (EHR) system to replace manual records is an extremely complicated task. EHRs use complex algorithms to exchange patient data among different physicians and departments such as a pharmacy and laboratory. EHRs are becoming popular because employees and patients can access records anytime and anywhere. Patient drug alerts are also part of the system to warn emergency room and intensive care nurses about potential drug reactions. A needs assessment is a systematic procedure to determine what components are required for EHR implementation to prevent failure of the highly costly investment. Although EHR systems have been shown to dramatically reduce human error, proper assessment before undergoing the implementation process is critical or errors and costs could actually increase. An EHR assessment must be completed before the software packages can be selected to ensure it is conformed perfectly to the specialized needs of the hospital. According to the California Medical Association the assessment has two steps: 1.) Readiness Assessment; and 2.) Work Flow Analysis (Ginsberg et al., n.d.). The assessment should be done by a seasoned group of engineers, physicians, lab workers, billing staff, pharmacists, and nurses to collaborate so that each department increases patient safety and efficient care. The assessment should include a web-based demonstration that allows all stakeholders to identify gaps that would hinder their job responsibilities. Once the needs assessment has been done and vendors chosen as potential suppliers, the readiness assessment should begin. One of the most important data to collect is financial resources. Are more physicians going to be  hired that will increase training costs? Can the organization truly afford the upstart investment and ongoing computer support? Space considerations are also critical to evaluate because most closets are too small for the new EHR platforms that have huge servers. High-speed internet capabilities are a must for EHR data exchange between stakeholders. Moreover, are existing medical records planned to be thinned to put the data into the new system? If so, data needs to be destroyed according to HIPP protocol to protect patient confidentiality. The work flow analysis portion of the needs assessment looks at step-by-step procedures. Examples are scheduling, diagnostic tests, and reviewing tests, prescribing medication, clinical notes, and billing data (Ginsberg et al., n.d.). Other data to be analyzed for the EHR system should be medical history forms, lists of current medications vital signs, insurance, and referrals. The flow of steps in this planning process involves network upgrades, expanding server room space, a Medicare fraud plan, selection of three EHR vendors, visiting other hospitals using the systems, negotiating, and finally select the model that is best suited to all stakeholders. A 10-year study done by the Canada Health Info way about who should be consulted during adoption of an EHR system looked at 29 key stakeholders involved in establishing policy (Rozenblum et al., 2001). They found that stakeholders should be consulted from a bottom-up, clinical needs approach first because they will be the heaviest users of the system. This means physicians, nurses, certified nursing assistants, billers, lab workers, and pharmacy employees need to have significant input into selecting what aspects are most important. The number one reason for implementation failure is inadequate involvement of line-worker clinicians (Rozenblum et al., 2001). Therefore, the informatics team must work very closely with these stakeholders. Other critical stakeholders to consult are the finance department to ensure how much funding is available. Patients are also important stakeholders because no one wants their health information linked to a huge system that is insecure and prone to hacking confidential medical records. Policy makers at the executive organizational and governmental level also have powerful sway over which EHR is chosen. Lack of  collaboration among these diverse groups can delay implementation of the system for decades. Appropriate needs assessment provides relevant feedback to upper management. This helps these higher-ups make wise decisions based on financial resources, training needs for staff, vendor choice, and whether or not EHR is even necessary (Hartzler et al, 2013). Upper management is also provided with the ability to analyze which employees should have access to the system (or what parts of the system) to complete their designated tasks. Gaps between â€Å"wants† and â€Å"needs† can also be identified so that valuable resources are analyzed in cost-benefit analysis. Training needs or additional hiring of employees can also be anticipated to prevent glitches in the system due to human error. EHR systems can increase profit margins and protect patients from human error if assessed closely prior to purchase and implementation. References Ginsberg, D. (n.d.). Successful preparation and implementation of an electronic health records system. Best Practices: A guide for improving the efficiency and quality of your practice. Retrieved December 26, 2014 at https://www.cmanet.org/files/pdf/ehr/best-practices-7.pdf. Hartzler, A. et al. (2013). Stakeholder engagement: A key component of integrating genomic information into electronic health records. Genetics in Medicine, 15, 792-801. Rozenblum, R. (2001). A qualitative study of Canada’s experience with the implementation of electronic health information technology. CMAJ, 183(5), E281-E288.

Third Set of Figures Essay Example for Free

Third Set of Figures Essay Participant Ds errors are the following: The first is with regard to the use of has or have: Mr. Browns have two sons. Second error pertains to the use of verb tenses wherein difference between past and present tenses are appears to be unknown to the participant: They’re call Tom and John; and Tom like reads in the holiday. Participant E has problems in terms of using conjunctions such as: Tom and John they are the twin brothers . In addition with this, there is also an error in terms of using articles: Tom he is a good student, he is a first in his class . Also, there is a problem in terms of the participants spelling: but he dent play ball. Finally, there is also a problem in terms of using punctuations such as the apostrophe: but he dont study, they are special. Participant Fs first problem is with regard to the use of the singular or plural use of auxilliary verbs: Tom and John is brother. Second, is the problem with regard to the use of prepositions such as: They are different have surface; and . Elder brother like study, but younger brother like play basketball†. The third set of figures is a phone conversation among two boys depicting a planned trip to a restaurant and a KTV bar (see Appendix 3 to view the instrument). Participant G: â€Å"At eight oclock , Sams friend calling him up to inviting him out . According to their plan . On the first ,they are going to sing at a KTV . then they going to eat a dinner at a fast food restaurant . They eat fast food ,such as hamburgers ,cola and fries. † Participant H: â€Å"Today morning, Sam’s friend call he go to play. Sam and his friend talk on the phone at a. m. 8:00. Sam said he want go to KTV sing and we can eat dinner in night. But his friend said not eat breakfast. So Sam propose to meet in BigMaclndex Then go to play†. Participant Gs first error could be seen on the proper use of verb tenses: friend calling him up to inviting him out; and They eat fast food . There are also problems in terms of their use of articles: then they going to eat a dinner . On the other hand hand, Participant H also have problems in terms of prepositions: Today morning and Sam and his friend talk on the phone . There are also problems in terms of using articles: Sam said he want go to KTV. There are also problems in terms of using proper verb tenses: So Sam propose to meet in BigMaclndex The fourth set of figures depicts a family composed of a mother, a father and a little boy who went out to eat in a pastry shop. After which, the boy went to a store called W. C. and his mother and father went to the supermarket. The final figure on the set depicts of how well the boy enjoyed his stay on a store called W. C. while his parents listen appears to be listening to his stories while carrying a bag of groceries. Participant I: â€Å"Last Friday, I with my parents want to the big shopping mall to go shopping . First , we bought some milk and read in the basement . then we took the elevator to the second floor . I went to w. c , my parents were wait outside . Finally we bought some fruit and vegetables and we were go home. â€Å" Participant J: â€Å"I went to supermarket with my Dad and Mom last Friday. Maybe was holiday supermarket crowd campany. I with my Dad and Mom choose my breakfast last Saturday. Mom bought two baker and one milk for me. I went to W. C. before away. Aftermost we bought a lot article then get home. † Participant Is errors are with regard to spelling: I with my parents want to the big shopping mall There are also problems in terms of capitalizations: First , we bought some milk and read in the basement   then we took the elevator to the second floor. Errors in terms of the use of linking verbs are seen: I went to w. c , my parents were wait outside. Finally, there are still errors in terms of the verb tenses: Finally we bought some fruit and vegetables and we were go home. Participant Js errors are on the lack of use of pronouns: Maybe was holiday supermarket crowd campany. Also there is a perceived problem in terms of using appropriate nouns for a sentence: Mom bought two baker and one milk for me.

Film Research Study: Enchanted (2007)

Film Research Study: Enchanted (2007) Introduction The topic that we chose to do a research on is a film named Enchanted. The film was released in 2007. Enchanted is a romance comedy film which contains live-action and animated fantasy. The film tells a story about a girl named Giselle. She was pushed into a magical well by her prince’s stepmother which brought her to the reality world, the modern New York City. She tried to coop with the new surroundings instead of living happily ever after in her fairytale castle with her prince. Giselle met Robert who helped her to face the reality of the world. Giselle learnt that true love is much more complicated that sharing only a â€Å"true love’s kiss† with her prince. Our targeted audience are students studying in Tunku Abdul Rahman College, Penang Campus. We decided to target 25 males and 25 females which sums up to 50 students. The age of our targeted audience are mostly from 17 till 25. The students we targeted are studying in different faculty such as faculty of accountancy, finance and business. The main reason we carry out this research is to find out if college student perceive Enchanted as children based movie or adult based movie. Literature Review Selection perceptive theory is the process where individuals perceive on what they want to see in the media while dismissing any negative viewpoints. In a broader term, it is where people tend to view things based on the concept of favoritism and their prefer frame of references. It is describe as categorize sensory information that favors one over the other, meaning selective perception is bias because we interpret message that goes against our beliefs and thoughts. Of course, this is only true when our perceive perception is counted as accurate. But if selective perception caused us to dismiss important points and information, this type of perception is highly detrimental. This theory based on human judgment and decision making that is distorted by an array of cognitive, perceptual and motivational biases. There are evidences that suggests that people tend to recognize and even overestimate the operation of bias in human judgment except when that bias is their own. Aside from the general motive to self-enhance, two primary sources of this ‘bias blind spot’ have been identified. One involves peoples heavy weighting of introspective evidence when assessing their own bias, despite the tendency for bias to occur unconsciously. The other involves peoples conviction that their perceptions directly reflect reality, and that those who see things differently are therefore biased. (Emily Pronina, Department of Psychology, Princeton University, Green Hall, Princeton, NJ 08540, USA). Another source of the bias blind spot involves the fact that others see things differently from ours. People are particularly likely to deny bias in themselves, whereas they will impute it to others, when those others have a different point of view and when they for example rebelled against their government policies and governance are then tend to imputed more self-interest biases than the government supporters. (48 G.D. Reeder et al., On attributing negative motives to others who disagree with our opinions, Pers. Soc. Psychol. Bull. 11 (2005), pp. 1498–1510.) Of course, there are least some evidence that that people are more likely to acknowledge their susceptibility to biases that are less undesirable. (E. Pronin et al., The bias blind spot: perceptions of bias in self versus others, Pers. Soc. Psychol. Bull. 28 (2002).) Research Research is the first management process to define the problem. The first step involves probing and monitoring knowledge, opinions, attitudes, effected by the acts and policies of an organization. In essence, this is an organizations intelligence function. It provides the foundation for all the other steps in the problem-solving process by determining, what is happening now? In this research, we used questionnaire method as our research. We chose this method because we think that it is easier to get feedback from the students. We have prepare 8 questions for the students to answer. Some examples of the questions are have you watch the Enchanted movie before, where do you watch the Enchanted movie and do you like the Enchanted movie. We then printed 50 copies to let the students answer it. We carried out the surveys in the canteen, new library and foyer in Tunku Abdul Rahman University College. FINDINGS We created a questionnaire for mass media research in order to collect data about what TARC College students think about the movie Enchanted whether it is suitable for children. 50 of students completed the questionnaire between 12 November2014 and 19 November 2014.The results are recorded as below. In this research, we asked a variety of questions in which I think would be helpful when produce a children based movie. As can be seen from the diagram above, majority of the TARUC students (100%) reported that they have watched Enchanted movie before. I was surprised that most of the TARUC students have watched Enchanted movie before. This helped us to find out more details about how do college students think about Enchanted whether it is a children based movie or adult based movie. The survey shows that the highest percentage of students (38%) who watch the Enchanted movie through DVD. 32 % of students watched the Enchanted movie through cinema. The lowest percentage is 30% of students watched the Enchanted movie through Internet. With this question, it shows that majority of TARUC students would prefer buying a DVD to watch movie. I think that watching movie through DVD are clearer and can be a collection. From the diagram above, A large proportion of students (86%) reported that they like the Enchanted movie. Minority of the students (14%) reported that they do not like the Enchanted movie. It shows that TARUC students are mostly interested in this movie. Some of the respondents said that they like the movie because they like the idea that there is an animation world that comes together with a realistic world. Some of the respondents said that they do not like the movie because it is a twisted fairytale and it is a boring movie. From the questionnaire, this pie chart shows that an overpowering percentage of TARUC students (46%) watched this movie on once, it is a disappointing finding. 32% of TARUC students watched this movie on twice. Only minority of students (22%) watched this movie more than twice. It shows that TARUC students do not like to re-watch the Enchanted movie. As is can be seen from the pie chart above, the survey shows that 64% of students think that the Enchanted movie is a children based movie. Only 36% of students think that the Enchanted movie is an adult based movie. It strongly shows that most of the TARUC students perceive Enchanted movie as a children based movie. The following answer is based on targeted audience’s choice of answers, whether they think it is children based movie or adult based movie. If their answer is children based movie, it will proceed to question 6. If the answer is adult based movie, it will proceed to question 7. As it can be seen in pie chart above, it shows that the reason why our target audiences think Enchanted movie is a children based movie. Majority of TARUC students (73%) said that the storyline is like fairytale which is the most popular answer. The next popular answer is ‘it contains traditional animation and computer-generated imagery’ from TARUC students. There is no student who choose the answer, ‘because of the stepmother’. Only 1 student chooses ‘other’, she said that the dialogue of movie is easy to understand so it is quite suitable for children. This is a surprisingly finding considering the reason why TARUC students think Enchanted movie is an adult based movie, there is two equal answer of percentage (33%) which is ‘it contains live-action filmmaking’ and ‘it contains adult contents’. 28% of TARUC students think that it is an adult based movie because it is a romance movie. The minority of students (6%) was choosing others. According to one of the student, he said that he think this movie is an adult based movie because the idea of the movie may mislead the children growth and development. According to the bar chart above, it shows that the review of the students to the Enchanted movie. 0% of student vote for 1. There is 2% of students vote for 2. 4% of students vote for 3. 8% of students vote for 4, 6 and 10 respectively. 6% of students vote for 9. 14% of students vote for 5 and 22% of students voted for 7. The highest voting is 8 which achieve 28% of students vote. Conclusion With the help of the research, we found of that students of Tunku Abdul Rahman College perceive Enchanted as a children based movie. They strongly believe that it is suitable for children. From the college students’ point of view, they believe that it is a children based movie because they think that the storyline of the movie is like a fairytale where there will always be a happily ever after ending. In our opinion, we think that both answers chosen by the college students has its different perception. According to the theory that we used, selective perception theory, it is where people tend to view things based on the concept of favoritism and their prefer frame of references. Most of the time we will never get a 100% answer as different people have different views. Some people may choose to believe it is an adult based movie and some people might choose to believe it is a children based movie. It proves to us that people view things based on their own concept and thoughts.

Why The American Civil War Is Important Essays -- The American Civil W

The American civil war took place 150 years ago. The war ripped apart the young country and turned brother against brother. The American civil war ended the most grotesque American institution in its history and caused the nation to struggle for the next decade to recover from the devastation. The war caused a wealthy class to lose their stranglehold over the southern economy and ended politics being swayed by whether you were pro or anti slavery. The war caused the death of over 620,000 men, around 2% of the population. The American civil war is worth remembering today. It is worth remembering because it shapes the identity of who Americans are today. Without it, we cannot understand why a nation could be split over the death of a young delinquent named Trayvon Martin. Without it we cannot understand how Martin Luther King Jr. struggled to gain his dream. Without it we cannot understand why women fought for suffrage rights in the 1920s. What was the American civil war about? States rights? Slavery? Both? Perhaps this does not matter, perhaps all that matters is the end results, the prohibition of slavery and the emergence of the 13th, 14th, and 15th amendments. The nation emerged with a new identity of freedom, not just whites, but people of all color. But the war did not end discrimination or racism, it saw different forms of it take place; forms that still effect us today. The Civil War is worth remembering because the Civil War still shapes America’s identity to this day. First let us examine the cultural implications the Civil War had on us today. Today in America we are we are shaped as a culture by diversity, and dreams. By diversity I mean we are a culture that though, dominantly white, is full of many ethnicities of pe... ...vil War.† In The War Was You and Me: Civilians in the American Civil War, ed. Joan E. Cashin, 136-156. Princeton: Princeton University Press, 2002. Snay, Mitchell, Randall M. Miller, Harry S. Stout, and Charles Reagan Wilson. "Religion and the American Civil War." The American Historical Review 105.1 (2000): 217. Print. McPHERSON, James M. "Major Problems in the Civil War and Reconstruction." (n.d.): n. pag. Rpt. in Major Problems in American History Series. N.p.: n.p., n.d. 10. Print. Dew, Charles B. Apostles of Disunion: Southern Secession Commissioners and the Causes of the Civil War. Charlottesville: University of Virginia, 2001. Print. Douglass, Frederick, and Frederick Douglass. Narrative of the Life of Frederick Douglass and Other Works. N.p.: n.p., n.d. Print. "The Pledge of Allegiance." The Pledge of Allegiance. N.p., n.d. Web. 14 Nov. 2015. Why The American Civil War Is Important Essays -- The American Civil W The American civil war took place 150 years ago. The war ripped apart the young country and turned brother against brother. The American civil war ended the most grotesque American institution in its history and caused the nation to struggle for the next decade to recover from the devastation. The war caused a wealthy class to lose their stranglehold over the southern economy and ended politics being swayed by whether you were pro or anti slavery. The war caused the death of over 620,000 men, around 2% of the population. The American civil war is worth remembering today. It is worth remembering because it shapes the identity of who Americans are today. Without it, we cannot understand why a nation could be split over the death of a young delinquent named Trayvon Martin. Without it we cannot understand how Martin Luther King Jr. struggled to gain his dream. Without it we cannot understand why women fought for suffrage rights in the 1920s. What was the American civil war about? States rights? Slavery? Both? Perhaps this does not matter, perhaps all that matters is the end results, the prohibition of slavery and the emergence of the 13th, 14th, and 15th amendments. The nation emerged with a new identity of freedom, not just whites, but people of all color. But the war did not end discrimination or racism, it saw different forms of it take place; forms that still effect us today. The Civil War is worth remembering because the Civil War still shapes America’s identity to this day. First let us examine the cultural implications the Civil War had on us today. Today in America we are we are shaped as a culture by diversity, and dreams. By diversity I mean we are a culture that though, dominantly white, is full of many ethnicities of pe... ...vil War.† In The War Was You and Me: Civilians in the American Civil War, ed. Joan E. Cashin, 136-156. Princeton: Princeton University Press, 2002. Snay, Mitchell, Randall M. Miller, Harry S. Stout, and Charles Reagan Wilson. "Religion and the American Civil War." The American Historical Review 105.1 (2000): 217. Print. McPHERSON, James M. "Major Problems in the Civil War and Reconstruction." (n.d.): n. pag. Rpt. in Major Problems in American History Series. N.p.: n.p., n.d. 10. Print. Dew, Charles B. Apostles of Disunion: Southern Secession Commissioners and the Causes of the Civil War. Charlottesville: University of Virginia, 2001. Print. Douglass, Frederick, and Frederick Douglass. Narrative of the Life of Frederick Douglass and Other Works. N.p.: n.p., n.d. Print. "The Pledge of Allegiance." The Pledge of Allegiance. N.p., n.d. Web. 14 Nov. 2015.