The Shack Review Essay Example

The Shack Review Paper Exposition on The Shack I don't disapprove. In the event that water is passionate. We passed. Not any longer. There are books that will recount to the story retelling anything, there are those in which such a significant number of contemplations that cause to stop and think, and on various topics that recognize in any event one as a significant simply detach the book, not terrible, but not great either much water. On the off chance that the book can be told in two sections, it would not merit writing In the second and third. style, the inventiveness of the author, as the maker of a scholarly work about the book as an abstract marvel, leaving their imprint on the field of culture. In this way, I was attempting to state that this book is a marvel rather for profound or clairvoyant field of information, But the accompanying section (I wouldn't fret) is fundamentally the same as joke in what book gives answers to all the inquiries? It is said in the Bible you do discover them all there? What's more, in the even t that it happens that indeed the very same inquiry find two opposing solutions? For instance: don't cover your ability and lilies couldn't care less about their garments But it's anything but a philosophical contest and don't debate. In this proposition, I have nothing to clarify. Here, I said that, and needed to state. Truly. There are questions and transient, who unintentionally happen over some espresso and you overlook them, not all that significant, and afterward abruptly blast and that is it! Somebody said to him inadvertently. Everlasting inquiries are those that pose to themselves and others, at any rate the same number of years as we can dig into the human memory, thanks specifically, and writing. What's more, you can not scrutinize the book? Heres what is examined audit, comprehend the gifts and capacities of perusers to communicate their musings? Or then again would we say we are still on the books will talk? You know, Id simply had not reacted to an audit, which I would not have gotten the book would be acceptable, maybe, missed in light of inadequacy of the writer surveys This is the reason thank you for the remarks. In fact, ineffectively communicated. On another event, I will attempt at any rate. Incidentally, imagine a scenario in which you read (regardless of whether unfit to peruse) a book, yet you understand that its fair not your sort, at that point what. How to state, so as not to irritate the book, with the goal that individuals were not led in the name and comments? The Shack Review Essay Example The Shack Review Paper Article on The Shack The book starts with the disastrous story composed movingly - . The dad of three kids pass on more youthful little girl because of a neurotic And afterward based on this catastrophe and lose faith in regards to his dad manufactured an incredible story of his experience with God, where he normally effectively disappointed The primary character - . average American, raised on Sunday going to chapel and ask before heading to sleep and eating. In the event that it was not over-strict segment of the book, it despite everything may be intrigued. Yet, it is fascinating, indeed, just to the center. The further one peruses, the additionally irritating crude thinking about the hero, close and now and again the most normal ineptitude. In any case, Paul Young himself is a run of the mill American, so the book is progressively similar to a bright handout Baptists, with ewes houses, blue lakes, beautiful meadows and continually grinning and singing individuals We will compose a custom article test on The Shack Review explicitly for you for just $16.38 $13.9/page Request now We will compose a custom article test on The Shack Review explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer We will compose a custom exposition test on The Shack Review explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer Coincidentally, God is in this book - . lady Negro (shockingly, this is as yet not a lesbian!) I needed to accept that Young Paul despite everything stuck, except by perusing the epilog to the book, I understood that this person truly has confidence in what this book spares individuals. When all is said in done, the same old thing for the psyche or soul there can not be found. God is love ​​the trademark with banners of some order. This book is just for US perusers might be for Western Europe. In the explanation to the book is composed, the writer shows the peruser to decimate its generalizations, yet in actuality supplant one generalization others come somewhat more significant level. Statement: - Im going insane? Do I need to accept that God this is a major dark lady with a flawed comical inclination Jesus giggled - . It annihilates generalizations. With it, you can generally rely on two or three turns. She adores shocks and, however you might be, this has not seen, has an ideal feeling of time.  » Incidentally, in spite of the way that in the Book of God says that he is definitely not a Christian, Jesus is available in the plot continually, and this perfect story of his penance is introduced totally course reading  «God adores you - .. Presently this one sentence can depict the book On the off chance that you are searching for answers to everlasting inquiries regarding the importance of life , the capacity to excuse, accommodate you or the congregation (group), or an analyst. They will disclose to all of you the equivalent only not as close and by and by for you. Any advanced mental preparing will help you significantly more.

Johnny Depp Film Star

Johnny Depp John Christopher â€Å"Johnny†Ã‚ Depp II born June 9, 1963, was conceived in Owensboro, Kentucky. He was raised in Florida as the most youthful of four youngsters. His mom was Betty Sue Palmer, a server, and John Christopher Depp, aâ civil engineer. The family moved oftentimes during Depp's youth, and he and his kin lived in excess of 20 distinct areas, settling in Miramar, Florida, in 1970. In 1978, Depp's folks separated from when he was fifteen. His mom wedded, as her subsequent spouse, Robert Palmer, whom Depp called â€Å"an motivation to me†.A year after his folks' separation, Depp dropped out of secondary school to turn into a stone performer. He endeavored to return to class fourteen days after the fact, however the chief advised him to follow his fantasy about being an artist. He played with The Kids, a band that increased neighborhood achievement. The Kids set out together for Los Angeles in quest for a record bargain, changing their nam e to Six Gun Method, however the gathering split up before marking a record bargain. Depp drew in inâ self-harmâ when he was youthful, because of the pressure of managing family issues, which brought about a few self-incurred scars.In a 1993 meeting, he pondered his self-injury by saying â€Å"My body is a diary as it were. It resembles what mariners used to do, where everyâ tattooâ meant something, a particular time in your life when you make a blemish on yourself, regardless of whether you do it without anyone else's help with a blade or with an expert tattoo artist†. (Johnny Depp Biography 1) On December 24, 1983, Depp wedded Lori Anne Allison, the sister of his band's bass player and vocalist. During Depp's marriage, his significant other filled in as a cosmetics craftsman, while he worked an assortment of random temp jobs, including aâ telemarketerâ for pens.His spouse acquainted him with actor Nicolas Cage, who exhorted Depp to seek after an acting profession. D epp and his significant other separated in 1985. Both Depp and his resulting fiance Sherilyn Fennâ auditioned for the 1986 film Thrashin' and they were both cast, with Depp being picked by the movie's executive to star as the lead, which would have been Depp's second significant job. Depp was later turned somewhere near the movie's maker, who dismissed the executive's choice. (Johnny Depp Biography and FAQ) Johnny Deppâ is an American on-screen character, film maker, and musician.He has won the Golden Globe Award and Screen Actors Guildâ award for Best Actor. Depp rose to unmistakable quality on the 1980s TV seriesâ 21 Jump Street, turning out to be aâ teen symbol. Discontent with that status, Depp went to movie for all the more testing jobs; he played the title character of the acclaimed Edward Scissorhandsâ (1990) and later discovered film industry achievement in movies such as Sleepy Hollowâ (1999),  Charlie and the Chocolate Factory (2005), Alice in Wonderland (2010), Rango (2011) and the Pirates of the Caribbeanâ film series (2003â€present).He has teamed up with executive and friend Tim Burtonâ in eight movies; the latest being Dark Shadowsâ (2012). Depp has picked up praise for his depictions of such individuals as Ed Wood, in Ed Wood, Joseph D. Pistone in Donnie Brasco, Hunter S. Thompson in Fear and Loathing in Las Vegas, George Jung in Blow, and the bank robber John Dillinger in Michael Mann's Public Enemies. Movies highlighting Depp haveâ grossedâ over $3. 1â billion at the United States film industry and over $7. 6â billion worldwide.He has been selected for top honors commonly, winning the Best Actor Awards from the Golden Globes for Sweeney Todd: The Demon Barber of Fleet Streetâ and from the Screen Actors Guild for Pirates of the Caribbean: The Curse of the Black Pearl. He likewise has earned aâ sex symbolâ status in American film, being twice named as the â€Å"Sexiest Man Alive† by People magazine in 2003 and 2009. He has been recorded in the 2012 Guinness Book of World Recordsâ as the most generously compensated entertainer with $75 million. Johnny Depp Biography 2) Other outstanding arbitrary insignificant realities I found about Johnny Depp on IMDB. com remember Johnny for 1994, Depp was captured and addressed by police for purportedly making genuine harm a New York City inn suite, he was captured again in 1999 for fighting with paparazziâ outside an eatery while eating in London. He received Goldeneye, the one-looked at Andalusian pony who played Gunpowder, Ichabod Crane's horse in Sleepy Hollowâ (1999), in this manner sparing him from the paste factory.Johnny has habitations in numerous spots including France, Los Angeles, and an island he claims in the Bahamas. He partitions his time in France between Meudon, a suburb of Paris and a manor in Plan-de-la-Tour, an hour outside of St Tropez in Southern F rance. On November 19, 1999 Johnny got a Star on the Hollywood Walk of Fame. As a kid, he was susceptible to chocolate. He is the main on-screen character to be selected for the Oscar in the Lead Actor class in a Disney film (Pirates of the Caribbean: The Curse of the Black Pearl (2003)).Johnny is frequently found refering to Captain Jack Sparrow (Pirates of the Caribbean: The Curse of the Black Pearlâ (2003)) and Edward Scissorhandsâ (1990) as the most loved characters that he has played. He is an adoptive parent of Tim Burtonâ son Billy Ray Burton. A couple of things that Johnny is terrified of are comedians, bugs, and phantoms. He turned down the job of Bruce Banner in Hulk in 2003. Johnny Depp is the main on-screen character to show up in 3 of the 10 movies to net $1 billion with Pirates of the Caribbean: Dead Man's Chest (2006), Alice in Wonderland (2010) and Pirates of the Caribbean: On Stranger Tidesâ (2011). IMDb) A total filmogophry would be Nightmare on Elm Street (1984), Private Resort (1985), Slow Burn (1986), Platoon (1986), Cry-Baby (1990), Edwards Scissorhands (1990), Freddy’s Dead:The Final Nightmare (1991), Benny ; Joon (1993), What’s Eating Gilbert Grape (1993), Arizona Dream (1993), Ed Wood (1994), Don Juan DeMarco (1995), Dead Man (1995), Nick of Time (1995), Cannes Man (1996), Donnie Brasco (1997), The Brave (1997), Fear and Loathing in Las Vegas (1998), L. A.Without a Map (1998), The Ninth Gate (1999), Sleepy Hollow (1999), The astronaut’s Wife (1999), Chocolat (2000), Before Night Falls (2000), Blow (2001), The Man Who Cried (2001), From Hell (2001), Once Upon a Time in Mexico (2003), Pirates of the Caribbean: The Curse of the Black Pearl (2003), Happily Ever After (2004), Secret Window (2004), Finding Neverland (2004), The Libertine (2004), Charlie and the Chocolate Factory (2005) Corpse Bride (2005), Pirates of the Caribbean: Dead Man’s Chest (2006), Pirates of the Caribbean: At Worldâ €™s End (2007), Sweeny Todd: The Demon Barber of Fleet Street (2007), Public Enemies (2009), The Imaginarium of Doctor Parnassus (2009), Alice in Wonderland (2010), The Tourist (2010), Rango (2011), Pirates of the Caribbean: On Stanger Tides (2011), The Rum Diary (2011), Jack and Jill (2011), 21 Jump Street (2012), Dark Shadows (2012) , The Lone Ranger (2013), Transcendence (2014), Pirates of the Caribbean (2015). (IMDb) Sources: â€Å"Johnny Depp Biography 1. †Ã‚ Bio. com. A;E Networks Television, n. d. Web. 12 Apr. 2013. â€Å"Johnny Depp Biography 2. †Ã‚ Johnny Depp. Bio, n. d. Web. 12 Apr. 2013. â€Å"Johnny Depp Biography and FAQ. †Ã‚ Johnny Depp Biography ; FAQ. N. p. , 27 July 2011. Web. 12 Apr. 2013.

Define Scope with a Work Breakdown Structure Example

Define Scope with a Work Breakdown Structure Example Define Scope with a Work Breakdown Structure â€" Essay Example > 1 The need to achieve success in any given organization is a task that cannot be underestimated in any way. With today’s competitive global economic market, success in individual companies even surpasses the need to make more profits than in previous times (Luther, 2009). Today, it entails among other factors, the need to maintain existing customers, the need to win new customers, the need to have a better competitive advantage over co-competitors, and the need to grow in revenue. All these are tasks that would certainly not come on a silver platter. To achieve this successfully, there is the need for any given organization to be very proactive with devising innovative techniques that aim at addressing specific needs of customers (Tomhill, 2008). This is exactly what this project design seeks to achieve for the company. In this document, various ways of executing the long term strategic plan of the company by introducing an advanced form of existing engines has been outlined. As a document that outlines the specific ways of implementing the suggested ambition of the company, there are areas that address issues of the justification of the project, deliverables needed to accomplish the project, scope of the project, stakeholders to implement the project, specific objectives to be achieved, key assumptions and above all scope with work breakdown structure. A lot of the delivery task has been directed as an in-house system whereby the company is seeking to utilize the existence of its core human resource to execute preferred tasks. In the work breakdown structure all that the project encompasses is shown. The work breakdown structure is going to be really useful as “the Project Manager and project team use the Work Breakdown Structure to develop the project schedule, resource requirements and costs” (Project Management Documents, 2012). Fig 1.0 Detailed Work Breakdown Structure From the figure above it is seen that the project to be carried out is one that is going to be multi-dimensional. It shall entail the knowledge and effort of a lot of experts. Indeed, the idea to make the whole project multi-dimensional and guided by a specific work breakdown scope is against the backdrop that there is an ultimate aim of ensuring that the number of days that it takes in the production of a single engine is reduced drastically. This would ensure that there are more units of engines built for sale and revenue creation. REFERENCE LIST Luther T. A (2009). Economic Mastery in times of Global Crisis. Multimedia Press Limited: Chicago Project Management Documents (2012) Work Breakdown Structure (WBS) Template. Accessed April 11, 2012 from http: //www. projectmanagementdocs. com/templates/work-breakdown-structure-wbs. html Tomhill R. (2008). Innovation for new Economic Dispensation. Ultimate Press Limited: Cairo

Analysis Of The Movie The Dream - 801 Words

The Perpetual Pursuers chose to discuss the film The Help because we wanted to dig deeper into the issues the film explored. Upon reviewing the film and doing further research, our group found that this film painted an inaccurate picture of what life was like for African Americans in the 1960s. The Help looks at the relationship between an African American housekeeper and a white child. The story was written by author Kathryn Stockett and she wrote The Help (originally a book) based off her own relationship with her housekeeper, noting that she longed for the relationship with her even after her death (More Than a Maid). After the writing of The Help, many people reached out to Stockett, claiming that she’d written their stories for them. Examples of African American housekeeper in the 60s being mistreated by the white families they worked for is prevalent. In the article presented in this paragraph, one woman states that when the family she worked for decided she shouldn’t be able to use the bathroom indoors anymore and that she â€Å"would just have to use it outside,† she explained that she politely asked for her paycheck and stated she’d be on her way. The movie shed light on the fact that although this was a work of fiction, this was a reali ty for many African Americans in the 1960s working during the Civil Rights movement working towards equality and respect. Historians on ‘The Help’: Vanessa May and Rebecca Sharpless Respond, discusses the controversy that surroundedShow MoreRelatedAnalysis Of The Movie The American Dream 754 Words   |  4 Pages Nyreel Powell Ms. Jones American Literature 1 June 2015 The American dream in A Raisin in the Sun Have you ever had a dream and it didn’t come how you wanted it to be? Have you ever had accomplishments that you wanted to achieve but people were getting in the way of them? The four main characters in this book all have good dreams but there are people in the way of getting to those dreams or their dream is too high to accomplish. A Raisin in the Sun a play written by Lorraine Hansberry, andRead MoreMovie Analysis : The American Dream 860 Words   |  4 Pagesto the audience, movie producers and directors are very highly skilled in the ways of doing so. We see many examples of how different social problems can be reflected in films. In two films that have been discussed and seen in class, Kingsman and Mad Max, the theories of Karl Marx and the desire to fulfill the â€Å"American Dream† are prominent throughout both of the films. Matthew Vaughn’s Kingsman is a perfect representation of the quest for the â€Å"American Dream†. The â€Å"American Dream†, in this contextRead MoreMovie Analysis : Dream House 789 Words   |  4 PagesDiagnostics In this assignment a character, Will Atenton, from the movie Dream House will be evaluated for a mental health disorder.   Will displays a number of odd behaviors throughout the movie, which causes one to question his mental health status. Specifically, symptoms of delusional disorder will be discussed and treatment will be offered.    Dream House is a movie about a man named Will Atenton who lives with his family, including his daughters, and seems to have a â€Å"typical† life. He has a successfulRead MoreAnalysis Of The Movie Ruthie Big Dream 925 Words   |  4 PagesRuthie’s Big Dream Ruthie McKay had a simple, happy life. She was a fair blonde with freckles and wasn t too short nor tall, and she always wore pink. She lived in an extravagant house with her parents and her dog, Macy. Ruthie was seldom lonely since she had so many friends, but still she longed for someone who was just like her. It was the first day of school and Ruthie was struggling to get ready. â€Å" Ruthie?† called Ruthie’s mother. Ruthie’s mom, known as Mrs.McKay to everyone elseRead MoreMovie Synopsis: Inception961 Words   |  4 PagesInception Introduction Some movies are based on philosophical themes that run through the whole movie and imply meaning other than those being visibly represented. Inception was also one such movie, directed and co-produced by Christopher Nolan, the famed director of Insomnia. The directors favorite theme to make movies has been dreams and we see the same in this movie Inception. The director has taken dreams to represent the power of human perception and how it can influence the subconscious of manRead MoreDreams And The Dreams Of Dreams933 Words   |  4 Pagesunderstanding of what dreams are and why they are important to us. A dream is a story, a series of ideas, emotions and sensations that occur while we are sleeping. Freud’s â€Å"Psychological analysis of the content of dreams† says that every dream has a storyline and meaning behind it. Therefore the reason why dreams are important is because we need to express in some way our desires and wish fulfillments that are forbidden for our conscious mind. The movie Inception is related to the concept of dreams that wereRead MoreThe Dream Inside Of A Dream By Christopher Nolan1683 Words   |  7 PagesFinal Paper: Descartes The possibility of having a dream inside of a dream is an idea that has been discussed far and wide. However, before Inception came out in 2010 by director Christopher Nolan, many people in the modern world may not have ever considered this idea. Nonetheless, this idea of â€Å"a dream inside a dream† has been around since 1640, when Rene Descartes published Meditations. In Inception, Christopher Nolan uses Descartes ideas to enhance the storyline of his film. In this paperRead MoreEmily Liddick. Mrs. Campbell. English 2. 23 April 2017.1203 Words   |  5 Pages2017 Gatsby Analysis Essay Cinematic techniques are methods that authors use to convey specific pieces of information in a narrative. Some examples of this would be the angle shots, flashbacks, themes, symbols, etc. In both the movie and the novel of The Great Gatsby, F. Scott Fitzgerald portrays multiple instances of these techniques. This not only enhances the effect that it has on the audience, but it also constructs similarities and differences between both the novel and the movie. For instanceRead MoreSpare Parts, An Inspirational True Story About Four Undocumented High School Students1476 Words   |  6 PagesSpare Parts is an inspirational true story about four undocumented high school students. These students enter a robotics competition together and come in first place. Throughout the movie they face many challenges and obstacles and still manage to come at the top. This movie has a great message behind it. This movie shows the problems that undocumented families face day by day. Oscar Vazquez is one of the four high school students who was attending the American Forces Career CenterRead MoreGreat Gatsby Film Analysis Essay903 Words   |  4 PagesThe Great Gatsby Film Analysis The 2013 drama/romance movie, The Great Gatsby, is the second movie adaption made based off the novel written by F. Scott Fitzgerald in 1925. Co-written and directed by Baz Luhrmann, this film received both glory and criticism upon its release. The Great Gatsby is well known for its â€Å"Gatsby era† as well as the love encircled between money and power. Without the glitz and glam of this story in conjunction with the forever love Jay Gatsby, a millionaire known for his

Study On Development Of Ebanking In Vietnam Finance Essay - Free Essay Example

Sample details Pages: 11 Words: 3445 Downloads: 2 Date added: 2017/06/26 Category Finance Essay Type Narrative essay Did you like this example? E-banking use has grown along with other forms of Internet use. The revolution in ICT has brought and will continue to bring big changes in the life of people and nations around the world. In 2008, there were about 78.4 million internet users in ASEAN. The graph in Exhibit 3-1 shows that internet development from 2005 to 2008 in six ASEAN countries (Indonesia, Malaysia, the Philippines, Singapore, Thailand, and Vietnam). Internet users per capita in Singapore were 72.94, the largest in the region. Internet users per capita in Malaysia were 62.57, the second largest in the region. Typically developing, internet users per capita in Vietnam were 23.91, the third largest in the region with the highest average growth rate of 20% per annual. The Internet is perceived as a powerful tool for developing Internet banking services in Vietnam. Internet services only became available in Vietnam in 1998. Internet users in Vietnam are mostly concentrated at big towns and citi es. Internet development in Vietnam from 2005 to 2009 as illustrated in Exhibit 3-2 shows that internet users were from 12.89 million in 2005 to a double of 25.15 million in 2009. The Internet development in the region and Vietnam is changing the banking industry and is having the major effects on e-banking. Although Internet use in Vietnam is still the third largest in ASEAN, this development is a good requisition for develop Internet banking services in Vietnam. According to Ministry of Industry and Trade, Internet users are expected to have a stronger growth in 2010 and in the next years. In short, the Internet development has improved for the recent years as foundation for developing e-banking services in Vietnam According to the International Telecommunication Union, Vietnams telecommunications industry has been ranked as the second fastest growing worldwide (after that of China). As depicted at Exhibit 3-3, mobile subscribers development in Vietnam from 2000 to 2009 shows t hat there were 2.7, 5, 9.6, 15.5 and 23.7 million mobile phone subscribers in 2003, 2004, 2005, 2006 and 2007 respectively. This trend indicates a two-fold increase in mobile subscribers every year. Between 2007 and 2008, the number of mobile subscribers grew by 195% percent from 23.7 million to 70 million. In 2009, mobile subscribers were 106.3 million. Strong growth of the Vietnams mobile market will boost many people to participate in electronic payment network via Mobile banking. According to the Ministry of Post and Telecommunications, mobile subscriber is expected to 140 million in 2010 and to grow rapidly over the next years. In brief, the mobile development is potential for developing e-banking services in Vietnam Since Vietnam banks made a debut on electronic payments with participation in the SWIFT system in March 1995, non-cash payments in Vietnam grew rapidly in line with the growth in middle-income people and an increasing familiarity with method of non-cash payment. Exhibit 3-4 shows the figures to underpin the positive trend of non-cash payment in Vietnam from 2001 to 2009. The percentage of cash payment in the economy decreased continuously from 23.7% in 2001, 2005 was 19.01%, 2006 was 17.21%, 2007 was 16.36%, 2008 was 14.6% and 2009 projected 14.0%. In addition, electronic payment in Vietnam has a strong growth over the past years. According to a report commissioned by State Bank of Vietnam, percentage of cash in the total means of payment is forecasted to reduce to 13% by 2010 and to have lot of potential for further decrease over the following years. This is a great opportunity, giving a green light for the development towards a non-cash payment market on the threshold of e-banking development in Vietnam In Vietnam, e-banking adoption grew very rapidly in the past ten years. In Exhibit 3-5, e-banking first appeared in the market in 1999 but it was adopted by ACB bank in March 2001 in the form of Home banking. VCB bank launched ATM b anking in Jan 2002. Besides ATM banking, other innovations are introduced place such as phone and Internet banking which provide customers the ability to access banking services from various locations and at a 24-hour by 7 days basis. ACB bank launched Phone banking in August 2003 and Call Center in 2005. During the first period of Internet expansion, commercial banks had static or interactive Websites. VCB bank launched Internet banking in Jan 2006. However, ACB bank was the first bank to introduce full e-banking channels in January 2005 while DongA bank was the first bank to introduce Mobile Internet banking in January 2008 as part of its suite of Online Banking services Vietnam commercial banks are active participate in launching new e-channels and most of them are transforming from the computerization of traditional services to supply of new e-channels At present, ATMs have become a common customer delivery channel in urban centers. ATM cards are the most popular cards in Vietnam. POS was accepted in most supermarkets. Data from Exhibit 3-6 shows that ATM, POS and ATM Card have grown dramatically since 2005. As of 2009, the entire Vietnamese banking sector has 10,000 ATMs, 37,000 POS terminals and 21.6 million ATM Card. There are three separate card payment network exist in Vietnam, Smartlink Card Services Joint Stock Company (Smartlink), Vietnam National Financial Switching Joint Stock Company (Banknetvn) and Vietnam Bank Card (VNBC). In 2008, the successful interconnection of the two inter-bank card payments brought more utilities and convenience to e-banking nationwide In recent years, the increasing e-banking has opened a new path for Vietnam commercial banks to lower the cost to serve their customers, improve their competitive position and gain customer loyalty. Moreover, e-banking have established a foundation for delivering future products and services that can be monetized such as electronic payments and remittances As of April 2010, there were about 39 commercial banks operating in Vietnam. In Exhibit 3-7 shows that twenty eight commercial banks provided ATM card, account for 72% of 39 commercial banks in Vietnam. Most Vietnam commercial banks launched many ATMs across the country in order to boost accessibility to banking services instead of opening new branches immediately because it is an investment that requires more time and resources. Five commercial banks supplied Home banking service. Few commercial banks launched Home banking services, account for 12% of 39 commercial banks in Vietnam. Seven commercial banks had Phone banking. Numbers of commercial banks provide Phone banking service not much, account for 18% of 39 commercial banks in Vietnam. Twenty seven commercial banks implemented Internet banking, account for 69% of 39 commercial banks in Vietnam. Twenty three commercial banks launched Mobile banking, account for 59% of 39 commercial banks in Vietnam Home banking is provided by five commercial banks (ACB Bank, Ocean Bank, VietA Bank, Vietcombank and VietinBank. These five banks are large-sized commercial banks in capital, high-technology and services. Exhibit 3-8 presents Home banking utilities in five Vietnam commercial banks. The Home banking utilities are limited in only allowing customers to check account balances, transfer money and pay bills. The number of commercial banks not only provides few Home banking services, but number of customers is also very low. Because the service costs high and these banks only encourage customers which are high number of payment. Furthermore, to use this service, customers must equipped PC and line at their own cost The limitation of Phone banking is no screen to follow up the transaction or receive order confirmation and restricted transactions. As shown in Exhibit 3-9, Phone banking services are provided by seven commercial banks (ACB Bank, Giadinh Bank, SeABank, HabuBank, SouthernBank, SCB Bank and Vietcombank). These banke rs only allow customers to check their balance and access information. Moreover, the Phone banking is considered as an additional distribution channel and is offered as a way of backing up their Internet banking in case of system error Vietnamese customers are moving towards Internet banking. This service is provided by most of commercial banks in Vietnam and customers could use various services on a 24/7 basis. The banks started Internet banking initially with simple functions such as accessing information about interest rates, checking account balances and loan. Thereafter, e-banking services were extended to bill payment, fund transfer between accounts and cash management for corporate. Now, few banks facilitate payment for e-commerce transactions by directly debiting bank accounts or transferring money. As illustrated in Exhibit 3-10, all Vietnam commercial banks provided account enquiry utility. Nearly half of Vietnam commercial banks had money transfer utility. And one thir d Vietnam commercial banks provided bill payment utility. However, some utilities such as online inter-bank fund transfer, online-shopping using bank cards and online deposit are not come in use Mobile banking is a term used for performing balance checks, account transactions, payments etc. via a mobile device such as a mobile phone. Mobile banking today is most often performed via SMS or the Mobile Internet but can also use special programs called clients downloaded to the mobile device (Wikipedia). Mobile banking provides customers with the ability to stay connected with their finances even when they are on the go Although mobile phone market develops very fast with more than 106 million subscribers, Mobile banking is still at the early stage of development. Seeing enormous potential of Mobile banking, twenty three Vietnam commercial bankers provided some Mobile banking services as shown by the chart in Exhibit 3-11. However, most of them offer customers the ease of using th eir mobile phone to check account balances, pay bills and even locate ATM that was based on SMS. There is only one bank (DongA Bank) to offer an option for customers to conduct several transactions such as bills payment, deposit and money transfer into other peoples bank accounts via customers mobile. The reason that most Vietnam commercial banks do not offer more services on Mobile banking was due to customer demand The Master plan on e-commerce development in the 2006-2010 periods which was implemented in 2005 is the first States macro policy with comprehensive orientations and solutions and specific action program with the view to enhancing e-commerce development nationwide. The Master plan laid foundation for the implementation of several activities related to e-banking. In 2007, two Decrees on electronic transactions in finance (Decree No. 27/2007/ND-CP) and electronic transactions in banking (Decree No. 35/2007/ND-CP) were issued to instruct the implementation of the Laws o n Electronic Transactions in term of data messages. Moreover, the Decree on Digital Signatures (Decree No. 26/2007/ND-CP) formed the legal basis for the development of digital signatures and digital signature certifying services, the prerequisites for developing electronic transactions nationwide. According to a report from Economist Intelligence Unit as presented in Exhibit 3-13, Vietnam which was 64th in e-readiness rankings 2009, have made substantial progress in recent years in making digital channels available to citizens for information provision and consultation The development in banking payments has been recently reflected positively. According to Government Websites news, the Governments Decree on implementation of non-cash payment and SBVs project on development of non-cash payment in the period of 2006-2010 and a vision to 2020 was a solution and a legal framework for electronic transactions. Of the payment revenue via banks in first quarter of 2010, the non-cash and cash payment has accounted for 85% and 15% respectively. Interbank electronic payment system, the national payment system, can process two million transactions per day, improving the payment quality and capital liquidity of the economy. Card payment services also had a sound development. The payment systems of the two biggest card payment alliances, Banknetvn and Smartlink, which account for more than 90% of the card payment market share, have now been linked together. According to the SBV, together with the rapid development of non-cash payment services, the proportion of cash in total payment methods has decreased. Robust development of electronic payment facilities and non-cash payment services will be a good opportunities for e-banking adoption Vietnam is a good place for growth in the e-banking sector due to high literacy rate and young of the population. Young population will make the e-banking market fast growing. According to a 2007 survey conducted by McKinsey on pers onal financial services in Vietnam as plotted in Exhibit 3-14, young adults whose 21 to 29 years old play a large role in using e-channels. Younger people are generally considered more receptive to new technologies than older people are. The growing trend of younger customer is likely to prefer automated access. In addition, the needs of young customers and middle class customers will become more and more diversified. These high literacy rate and young of the population open opportunity for developing e-banking services in Vietnam Vietnam has adequate prerequisites for the development of e-banking: Vietnams ICT industry and financial institutions have cooperated with the Government to develop infrastructure services on e-payment such as Inter-bank Payment System, Electronic Clearing System and Card Payment System with four bankcards alliances. These systems give bankers systematical support to develop e-banking in the country. Supportive ICT and telecommunications services are available. Vietnam enjoys access to first rate ICT firms with all of the ICT wares and technical support services necessary to develop e-banking. The regional or global nature of these ICT firms creates the opportunity to develop existing platforms and applications for e-banking services. There has been significant growth in the use of ICT in Vietnam. The number of mobile phone subscribers and the number of Internet users have increased as shown in Exhibit 3-2 and 3-3. The ICT market is expected to be driven by companies increasingly adopting e-banking as well. Deregulation of key sectors, liberalization of economic policy and moves to integrate Vietnam into the global economy have been key drivers of increased ICT adoption in Vietnam. The development of e-banking in Vietnam has become an integral part of the Governments efforts to make the country to be high level in technology. The Government has issued of laws on electronic transaction to encourage the use of e-banking. Although there is a progress in non cash payment in transaction, habit of cash usage of the most population is still a big obstacle for developing e-banking. In Vietnam, cash is king and still remain as the main method of payment for personal consumption. Traditionally, Vietnamese prefer to keep cash at home or the form of gold or lending to their relatives. For corporation, especially SME, still prefer to receive and pay cash in business transactions. Many high value transactions have not been conducted through banks as people may not have confidence in the banks. Cash usage habit limits the development of advanced payment methods. Most Vietnamese customers of electronic services in the banks are mainly employees with relatively high and stable salaries from leading industries such as financial institutions, post and telecommunications, information technology, real estate, aviation and construction etc. Therefore, Vietnamese with low education and low income were less likely to participate in e-banking. The reasons are that most Vietnamese earn low income, have little need for opening bank accounts and there are some drawbacks such as computer illiteracy, security, fraud, and theft have deterred Vietnamese from participating in e-banking. In addition, many Vietnamese customers are still uncomfortable with e-banking while the benefits of such advancements have been welcomed by most of the educated ones. Low skill of using information technology applicants and weakness in English is also a psychological barrier to actively participate in e-banking The development of e-banking in Vietnam is further threatened by foreign bank competition. Recently, some of the wholly-owned foreign banks have been granted licenses to conduct retail banking in conjunction with regular commercial banking services provide a variety of advanced e-banking services. This leads to a large gap between the computerization of foreign banks and that of local commercial banks. In ad dition, the unequal development and use of ICT among Vietnam commercial banks slow the introduction of e-banking services. Since investments on e-banking depends each project and business separately, Vietnam commercial banks have not enough synchronized system to develop e-banking services. All the 39 Vietnam commercial banks engaged the use of ICT as a platform for effective and efficient delivery of banking services such as: electronic payment cards, Internet banking and Mobile banking services are gradually being introduced Although literacy rate in Viet Nam is very high, the majority of Vietnamese have had a low awareness on e-banking. E-banking services have not become popular because the customer still prefers the comfort of having a bricks-and-mortar branch to visit. Many Vietnamese customers are still accustomed to tangible banking transactions and reluctance to change. Few banks provide the transactions of buying and selling goods, paying bills, transferring funds, and m anaging investments. Working manner in general and purchasing habit in particular are still under traditional form. Many non-users do not know the existing e-banking services. These pose serious problems for the development of e-banking. In addition to the hesitation of participating in e-banking in Vietnam due to low awareness, there has been mistrust between customers and banks involved in the e-banking transactions such as quality, reliability, security, risk and privacy. It is believed that customers do not have confidence to make any big financial transactions and stay away from online services involving financial exchanges. Therefore lack of system security concerns as the prime reasons for low clients trust in Vietnam e-banking system E-banking development choice of Vietnam commercial banks focus on its core-banking technology, core-capacity. The Vietnam commercial banks acknowledged that their e-banking adoption is greatly influenced by ICT infrastructure driven by cor e banking system. A factor which is being the key strength in development of e-banking in Vietnam is that majority of Vietnam commercial banks have deployed core-banking in their day-to-day operations. This has also considered as the basic deployment of modern core banking toward e-banking in order to close the gap with foreign banks. Vietnam commercial banks have offered a range of e-banking services such as SMS banking, Mobile banking, Internet banking and ATM card based on the core-banking system. According to TEMENOS (SIX: TEMN), the global provider of integrated core-banking systems, eleven of thirty Vietnam Commercial banks has installed TEMENOS T24. The others have installed Flexcube SYMBOLS, Huyndai and Sylverlake. Majority of Vietnam commercial banks are having strong willing to develop in e-banking services towards modernization. On top of all these, there is a clear trend towards a greater degree of commitment in e-banking adoption . The commitment of banks management to invest in innovative technology to provide non-users with access to e-banking services have considered as a key factor in the success of developing e-banking. Moreover, the banks management has become more aware of the possibilities and benefits of e-banking. Many Vietnam commercial banks are on significantly restructuring to adapt to the new e-banking standards. Bank restructuring process continues to be fostered by the SBV. E-banking is being promoted by Vietnam commercial banks as an essential component of a restructuring strategy to achieve greater efficiencies in e-business. In addition, under the pressure of foreign banks with full e-banking services, Vietnam commercial banks are being forced to restructure their organizations, operations and activities such as working 24 hour a day and 7 days a week In general, most commercial banks have not yet provided customers with full e-banking services. It only allows customers to check their balance, access information such a s exchange rates, interest rates and consultative information useful for investment on a Web presence. Many e-banking services do not meet customers expectations: they have to personally go to the bank to buy services or deposit their money. Many banks fail to supply services relating to investment, trade in real estate or financial leasing via e-channels. Cross selling products/services are still low delivery of products and services essentially through branch network which requires direct contact with customers; off-site transactions and services distribution are fragmented due to undiversified and limited e-banking services. In addition, four alliances in the ATM network are creating segmentation of networks where the customers of this networks sometimes unable to access to others network. The investment in e-banking is higher than that in bricks-and-mortar banking. The applicability of e-banking to Vietnam commercial banks depend on ICT capital expenditure at start-up stage. High start-up cost of e-banking prevents banks from investing in e-banking. Although the e-banking services proved to be much more cost effective than traditional services, most Vietnamese commercial banks have an absent significant investment on e-banking due to their capital limitation. Currently, majority of Vietnam commercial banks have had no proper strategies with clear roadmap for developing e-banking services. The e-banking development strategy of Vietnam commercial banks has not linked yet the reform of the SBV with the encouraging electronic payment. Lack of well-defined e-banking strategy that is aligned with business strategy is also one of the most common problems in e-banking adoption of Vietnam commercial banks. In addition, their level of strategic awareness is low and they have not yet developed an marketing strategy to attract customers to adopt or move into using e-banking services. Therefore, they require planned efforts of bank management to boost the develop ment of e-banking services. The current e-banking infrastructure of Vietnam commercial banks still remains insecure due to lack of risk management competences. With e-banking activities, Inadequacy of risk management efforts involve in banks management oversight, information security programs and legal and compliance issues. The incompetence of risk management is likely to prevent e-banking services from growing Don’t waste time! Our writers will create an original "Study On Development Of Ebanking In Vietnam Finance Essay" essay for you Create order

Alcohol Control Peoples Free Essays

An alcoholic beverage is a drink that contains ethanol. Alcoholic beverages are separated into three types: beers, wines, and spirits. Alcohol is a substance that a lot of people, mostly of age and people underage drink to â€Å"forget about their troubles or problems†. We will write a custom essay sample on Alcohol Control Peoples or any similar topic only for you Order Now People drink because they like it when it makes them feel on cloud 9, to feel at bliss. Alcohol is just a waste of time, money and patience. Drinking alcohol only makes you feel like you’re in another world, away from reality. But alcohol won’t help forget those things. Yes it is good sometimes to let go and relax but that doesn’t exactly mean people have to get drunk to feel relaxed. Alcohol should be banned because nothing good comes out of drinking, it causes liver damage and you say things you don’t mean. Everyone knows that alcohol messes with your mind. Nothing good comes out of it because, alcohol makes you do things without thinking. For example, drinking any type of alcohol makes people not have any recognition of what happened during that period of time when they got intoxicated. Being intoxicated makes the alcohol control peoples movements and your brain. Alcohol should be banned because when you get a hangover, it causes a severe headache. A migraine because people were over-drinking. Alcohol is practically ethanol. It’s the liquid we use to clean our cuts, for it cannot become infected. Anybody who drinks alcohol: beer, wine and/or spirits, they all contain ethanol. There is no point for people to practically drink ethanol just because they want to â€Å"relax†. It causes a severe headache, sensitivity to light, nausea, and/or vomiting. Alcohol causes liver damage. There are multiple damages that can damage a persons liver. There is a chronic disease called Cirrhosis, cirrhosis causes scaring of the liver. Alcoholic Hepatitis causes inflammation of the liver due to excessive alcohol in a body system. Alcohol damages the liver, it makes weak and poor to function. The liver is important organ in your body, it’s a fluid that breaks down fats so that smaller fatter molecules can be properly digested. Drinking alcohol will damage an important organ in peoples body. The ethanol in the alcohol damages livers, there is no point of why people want to drink something that damages what they only have. Alcohol should be banned because it changes peoples body, their mental state, and their emotional state. It’s foolish to drink this alcohol if people know it has bad side effects. Everybody always has something on their mind that they want to say out loud. A lot of people just do not have the courage to do so. A lot of people like to drown away their sorrows or problems by drinking. Thinking it’s the only way they’d be able to say the things that they have in mind, by being drunk. And when they are drunk, they are care-free, they have so much confidence to speak what they have in mind. Alcohol should be banned because a lot of people thinks it’s ok to be drunk because the wanna let go. They want to say what they feel, and they don’t want to feel what they say. People should be able to do that out of free will. They shouldn’t have to get drunk, just so they won’t feel any pain when they speak their minds. Alcohol is a bad substance, nothing good comes out of it, it causes problems in your body system, and you do and/or say stuff you don’t mean. Alcohol should be banned because it’s idiotic, how people don’t research the bad side effects from drinking alcohol. That’s why people are dying because people don’t listen. They don’t think, what would happen if they become alcoholic. Alcoholism is a serious thing and people who are addicted to alcohol should seek treatment so they can get better. Alcohol should be banned because it cause families to suffer because of their loved ones who died of alcohol poising or too much alcohol. Alcohol is dangerous, unless you take the precautions like no driving while drinking. How to cite Alcohol Control Peoples, Papers

Quikr vs Olx free essay sample

Before you sit down to plan the future of your club’s marketing activities, you need to take stock of where your club is now and why you are there. One useful way to get a clear picture of where your club currently sits is by using a SWOT analysis. SWOT stands for Strengths, Weaknesses, Opportunities and Threats. By using the SWOT analysis you can identify where your club stands in the market, which provides a useful launch pad for making future marketing plans. Take the time to work through the SWOT process carefully and you will have a clearer idea of: The things your club does well, and the things you need to improve on (strengths and opportunities). †¢ What types of competition exist for your club and which ones can be defended (strengths and threats) †¢ Whether your club needs to change the product itself to protect from outside influences (weaknesses and threats) †¢ Which issues your club needs to make as its priorities (weaknesses and opportunities). We will write a custom essay sample on Quikr vs Olx or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Strengths When you look at the strengths, concentrate on the club itself and whether it can achieve the outcomes you want. Examples of strengths include: †¢ Strong financial base. †¢ Strong local need for your product, many new members, etc. †¢ Group of skilled volunteers. †¢ Support from local businesses, politicians, etc. †¢ Well-equipped clubhouse. †¢ Committee is well-structured, enthusiastic, capable, etc. Weaknesses Weaknesses often appear as the direct opposite of the strengths listed above and include: †¢ Weak financial base. †¢ Diminishing need or desire for your product, fewer new members, etc. †¢ Few volunteers. †¢ No support from local businesses, politicians, etc. Out of date ill equipped clubhouse. †¢ Committee is poorly structured, overworked, disinterested, etc. Opportunities Opportunities refer to the possibilities of new growth because of the changes in the external environment and can include such things as: †¢ Promotion of sport by government authorities, e. g. renewed ‘Push Play† campaign. †¢ New population of potential users moving into the area, e. g. with children. †¢ Grants by local and national government to encourage sport and recreation. †¢ Organisations looking to sponsor local activities. Seasonal interest in particular sports, e. g cricket in summer, football in winter. †¢ International or national interests the activity your club is involved in, e. g Commonwealth or Olympic Games. †¢ Promotion of your activity to a different age group or gender e. g. lawn bowls to teenagers, rugby to girls. Threats As with strengths and weaknesses, the threats are often very similar to the opportunities. Examples of threats include: †¢ Traditional sponsors of sport and recreation changing the way they spend their sponsorship dollars. Seasonal interest in particular sports or activities which is in direct competition with your own, e. g. competing codes of Rugby. †¢ Promotion of sport to different age groups or gender which competes with your club’s interest e. g. ballet and soccer for girls. †¢ Other interests including television, video games, school activities, part-time work for teenagers, and so on. †¢ Time related issues for example, competition for volunteers time, longer working hours, both parents working – children unable to attend, limited available free time for both children and parents. Other organisations with better facilit ies. †¢ Lack of knowledge and interest in your product. A SWOT Analysis should be drawn up to look like this: |Internal |STRENGTHS |WEAKNESSES | |Factors |Vision : simple and quick |Not having international experience, therefore diversification | |(Things about |Strong funding |might be a problem at later stage. |your club) |Experienced partners: Norwest Venture Partners brings in a lot of |No acquisition till date as a result OLX has surpassed quikr. | | |experience |Employee base is very low: Need to increase the sales force and| | |Horizontal rather than vertical |target other opportunity to increase market share. | |Customer Centric, not just technology centric : Free missed call | | | |Investment in analytics, mobile platforms | | |External |OPPORTUNITIES |THREATS | |Factors |Internet penetration(10%) is bound to increase |Low entry barrier | |(Things |Internet surfing through mobiles has surpassed PC. Competitors have international experience and deep pockets. | |outside of |Mobile base is huge and recently they have introduced a mi ssed call |Zero switching cost. | |your club) |feature. |Intense Competiton | | |Cloud computing (SaaS, PaaS) could be useful in reducing the cost. | | | |Network Effects | | It’s a great idea to draw this up on a whiteboard or large piece of paper and use as a brainstorming base at a committee meeting.