Tuesday, August 25, 2020

US company Global Marketing Research Paper Example | Topics and Well Written Essays - 3000 words

US organization Global Marketing - Research Paper Example Worldwide activity of the organizations has not just made new roads to acquire more income, yet additionally assumed significant job in guaranteeing organizations continue for a more drawn out timeframe. Moreover, an organization with worldwide activity likewise has upper hand over its rivals, as it permits the organization to oblige assortment of clients and increase their faithfulness (Cherunilam, 2010, p.24). Aside from that, the brand estimation of the organization additionally increments enormously. With regards to USA, there are a few organizations which have considered worldwide extension, for example, Starbucks, Walmart, McDonalds and Apple among numerous others. Be that as it may, this venture will reveal insight into how Apple, the US innovation goliath is dealing with their worldwide promoting and activity. The paper will underscore on the showcasing and activity methodology of Apple in the global market. Alongside that the paper will do top to bottom investigation of the business condition of the picked area. The business where the organization has a place will be additionally examined altogether. When the investigation mixture is secured, the issues looked by the organization in the picked market will be feature and how the organization should manage it will be suggested. At last, based on the discoveries an end will be drawn. The examination will currently give a concise presentation of ‘Apple’. Apple Inc., regularly known as Apple is a US based organization associated with assembling and promoting of innovation items. The organization was established by Ronald Wayne, Steve Jobs and Steve Wozniak, and in the year 1976. It is as of now headquartered at Apple Campus, 1 Infinite Loop, Cupertino, California, U.S (Lã ¼sted, 2012, p.9). The organization is known for its wide scope of imaginative items. A portion of the hits of the organization incorporate iPhone, iPad, and iPod among others. Aside from assembling and promoting electronic devices, the organization

Saturday, August 22, 2020

Generations of Computer Essay

The advancement of the coordinated circuit was the sign of the third era of PCs. Transistors were scaled down and set on silicon chips, called semiconductors, which definitely sped up and effectiveness of PCs. A chip is a little bit of semi directing material(usually silicon) on which an incorporated circuit is implanted. An average chip is not exactly  ¼-square inches and can contain a great many electronic components(transistors). PCs comprise of numerous chips put on electronic sheets called printed circuit sheets. There are various sorts of chips. For instance, CPU chips (likewise called microchips) contain a whole preparing unit, though memory chips contain clear memory. PC chips, both for CPU and memory, are made out of semiconductor materials. Semiconductors make it conceivable to scale down electronic segments, for example, transistors. In addition to the fact that miniaturization means that the segments occupy less room, it additionally implies that they are quicker and require less vitality. Rather than punched cards and printouts, clients associated with third era PCs through consoles and screens and interfaced with a working framework, which permitted the gadget to run a wide range of utilizations one after another with a focal program that observed the memory. PCs just because got open to a mass crowd since they were littler and less expensive than their ancestors. Fourth Generation †1971-Present: Microprocessors The microchip brought the fourth era of PCs, as a large number of incorporated circuits we reconstructed onto a solitary silicon chip. A silicon chip that contains a CPU. In the realm of PCs, the terms microchip and CPU are utilized conversely. At the core of every single PC and most workstations sits a chip. Microchips likewise control the rationale of practically all advanced gadgets, from clock radios to fuel-infusion frameworks for autos. Three essential attributes separate chip: * Instruction Set: The arrangement of directions that the microchip can execute. * Bandwidth: The quantity of bits handled in a solitary guidance. * Clock Speed: Given in megahertz (MHz), the clock speed decides what number of guidelines every second the processor can execute. In the two cases, the higher the worth, the more impressive the CPU. For instance, a 32-piece chip that runs at 50MHz is more remarkable than a 16-bitmicroprocessor that runs at 25MHz. The CPU is the cerebrums of the PC. Now and again alluded to just as the processor or focal processor, the CPU is the place most counts occur. Regarding figuring power, the CPU is the most significant component of a PC framework. On enormous machines, CPUs require at least one printed circuit sheets. On PCs and little workstations, the CPU is housed in a solitary chip called a microchip. Two run of the mill parts of a CPU are: * The math rationale unit (ALU), which performs number-crunching and legitimate activities. * The control unit, which removes guidelines from memory and disentangles and executes them, approaching the ALU when important. In 1981 IBM presented its first PC for the home client, and in 1984 Apple presented the Macintosh. Chip additionally moved out of the domain of work stations and into numerous everyday issues as an ever increasing number of regular items started to utilize microchips. As these little PCs turned out to be all the more remarkable, they could be connected together to shape systems, which inevitably prompted the advancement of the Internet. Fourth era PCs likewise observed the advancement of GUI’s, the mouse and handheld gadgets. Fifth Generation †Present and Beyond: Artificial Intelligence Fifth era processing gadgets, in light of man-made brainpower, are still being developed, however there are a few applications, for example, voice acknowledgment, that are being utilized today. Computerized reasoning is the part of software engineering worried about creation PCs act like people. The term was authored in 1956 by John McCarthy at the Massachusetts Institute of Technology. Man-made brainpower incorporates: * Games Playing: programming PCs to mess around, for example, chess and checkers * Expert Systems: programming PCs to settle on choices, in actuality, circumstances (for instance, some master frameworks assist specialists with diagnosing infections dependent on indications) * Natural Language: programming PCs to comprehend common human dialects * Neural Networks: Systems that mimic knowledge by endeavoring to imitate the kinds of physical associations that happen in creature minds * Robotics: programming PCs to see and hear and respond to other tactile improvements Currently, no PCs display full man-made reasoning (that is, can recreate human conduct). The best advances have happened in the field of games playing. The best PC chess programs are presently equipped for beating people. In May, 1997, an IBM super-PC called Deep Blue crushed world chess champion Gary Kasparov in a chess coordinate. In the region of mechanical technology, PCs are currently generally utilized in gathering plants, however they are skilled just of restricted assignments. Robots have extraordinary trouble recognizing objects dependent on appearance or feel, they despite everything move and handle protests awkwardly. Characteristic language preparing offers the best potential prizes since it would permit individuals to cooperate with PCs without requiring any particular information. You could basically approach a PC and converse with it. Shockingly, programming PCs to comprehend characteristic dialects has end up being more troublesome than initially suspected. Some simple interpretation frameworks that decipher starting with one human language then onto the next are in presence, yet they are not close to as great as human interpreters. There are additionally voice acknowledgment frameworks that can change over spoken sounds into composed words, however they don't comprehend what they are composing; they essentially take correspondence. Indeed, even these frameworks are very constrained †you should talk gradually and particularly. Today, the most sultry zone of computerized reasoning is neural systems, which are demonstrating effective in various trains, for example, voice acknowledgment and man-made reasoning.

Friday, August 7, 2020

Book Riots Deals of the Day for April 29th, 2019

Book Riots Deals of the Day for April 29th, 2019 Sponsored by our $100 Amazon gift card giveaway! Enter here. These deals were active as of this writing, but may expire soon, so get them while they’re hot! Todays  Featured Deals The Widows of Malabar Hill Sujata Massey  by    for $1.99.  Get it here, or just click on the cover image below. The Disenchantments  by Nina LaCour  for $2.99.  Get it here, or just click on the cover image below. The Shadow of the Wind  by Carlos Ruiz Zafón for $1.99.  Get it here, or just click on the cover image below. In Case You Missed Yesterdays Most Popular Deals The Paper Magician by Charlie N. Holmberg for $1.99.  Get it here, or just click on the cover image below. Faithful Place by Tana French for $1.99.  Get it here, or just click on the cover image below. 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Saturday, May 23, 2020

What Blücher Has to Do With Young Frankenstein

In Mel Brooks classic film parody  Young Frankenstein  (1974), Cloris Leachman plays a  character called Frau Blucher. If youve seen this great film, you know that every time someone utters the words Frau Blucher the whinnying of horses can be heard. Somehow an explanation for this running gag arose, claiming the hidden reason for the horses reaction was that Frau Bluchers name sounds like the German word for glue, and implying that the horses fear ending up in a glue factory. But if you bother to look up the word glue in German, you wont find any word that is even close to Blucher or Blà ¼cher. Do the words  der Klebstoff  or  der Leim  sound even remotely similar? What Is the Meaning of Blucher in German? If you look up  Blà ¼cher, some German dictionaries  list the expression er geht ran wie Blà ¼cher (he doesnt loaf around/he goes at it like Blà ¼cher), but that refers to the Prussian general  Gebhard Leberecht von Blà ¼cher  (1742-1819), who earned the name Marschall Vorwà ¤rts ([Field] Marshal Forward) for his victories over the French at Katzbach and (with Wellington) at Waterloo (1815). In other words, Blà ¼cher (or Blucher) is just a German surname. It has no particular meaning as a normal word in German and certainly does not mean glue! Turns out that director Mel Brooks was just having some fun with a classic cinematic villain gag from old melodramas. There is no real logic for the horses neighing since most of the time there is no way they could even see or hear Frau Blucher or the people saying her name.

Tuesday, May 12, 2020

The Bitterness of Revenge Essay - 1631 Words

Linsluv Lovely OPPAPERS.COM February 18, 2012 Paper #1 The Bitterness of Revenge Revenge grows and festers off of resentment and rage. Revenge is an illness that is very contagious. Revenge can take over a person’s life and end in heartbreak and misery. Revenge hurts people as well as their love ones. Revenge will always end in unhappiness unless one learns that revenge is nothing more than a dead end. Revenge does not solve any answers and will not make any person any happier than before. This theme of revenge is shown numerous times in the story Great Expectations written by Charles Dickens. In the novel, many bitter souls seek revenge as the answer to their problems. Characters commit crimes, hurt other because of selfish†¦show more content†¦Joe being physically damaged. However Orlick is able to get away with this attack. His quest to fully satisfy his misery comes when he tries to also get back at Pip. The second person Orlick seeks revenge on is Pip. Pip is a very nice young man that tries to become a gentleman. Th ere should be no reason why Orlick should want to seek revenge upon him. However, Orlick sees Pip as a threat from an early age. Orlick blames Pip for loosing his job as Mrs. Havisham’s porter and for also ruining his chance with Biddy. Orlick insinuates, â€Å"You did that, and that would be enough, without more. How dared you come betwixt me and a young woman I liked?† (Dickens 452). Orlick is had a liking toward Biddy and feels that Pip gave her bad opinions about him. From when Pip started working at the forge for Joe, Orlick always felt Pip is in his way. He blames Pip for all his problems and even tries to get back at Pip by blaming him for attacking Mrs. Joe. Now it ends with Orlick trying to kill Pip. Orlick declares, â€Å"You was always in Old Orlick’s way since ever you was a child. You goes out of his way, this present night. He’ll have no more on you. You’re dead† (Dickens 453). Orlick has taken revenge on Pip but fails when Pip is rescued by his friend, Herbert. Later Orlick is caught and taken to jail for stealing from Pip’s uncle. Through Orlick, Dickens show that revenge ends in misery and that it festers from bitterness. Since Orlick tried to take revenge on Mrs.Show MoreRelatedChillingworth: A Hidden Monstrosity Summoned by Hate797 Words   |  3 Pagespublicly punished. His dark, cold and divisive eyes flicker to the adulterer, the woman whom he calls his wife and devices an utter plan of cold, ghastly revenge with the motive of pure destruction. Chillingworth; a character devised from the intelligent mind of Nathaniel Hawthorne is a symbol of the evolution of one whose mind is obsessed with the revenge of others. In the Scarlet Letter, Chillingworth is quite the odd one. Escaping from an Indian village where he was once held captive, ChillingworthRead MoreCause and Effect of Forgiving1403 Words   |  6 PagesLife is flawed, and at some point nearly everyone has been hurt, criticized, or t eased. Harmful actions leave a wound that can be long-lasting, and can affect others as well. The anger and bitterness a victim carries can be used as vengeance on the perpetrator. It is at this point that forgiveness can play a vital role. Many people do not realize the impact of choosing whether to forgive or not. If forgiveness is not the chosen path, the victim can be the one who suffers the most. The act of hurtRead MoreAnalysis Of The Book Blind Shaft 1210 Words   |  5 PagesFrom the â€Å"Big Rice Pot† to Privatization: The â€Å"revenge of history† in Li Yang’s â€Å"Blind Shaft† In her paper, â€Å"The ‘revenge of history’: China’s collective memories and labor protests in north eastern China,† Ching Kwan Lee describes how China’s market reform has led to mass unemployment and poverty among state workers in the rustbelt of China. This declining standard of living has resulted a nostalgia for Maoist socialism, in what she calls â€Å"the revenge of history,† or the idea that those who haveRead MoreMotifs of Revenge and Procrastination in Hamlet Essay607 Words   |  3 Pagesuses the motifs of revenge and procrastination, to demonstrate that both of these motifs will always bring corruption and harm to those that make use of them. Revenge is a concept introduced into the play from the very start when the Ghost appears and speaks with Hamlet. Immediately after the Ghost of his father tells him to seek vengeance, Hamlet quickly becomes charged with anger and exclaims, â€Å"I with wings as swift as meditation or the thoughts of love may sweep to my revenge† (Shakespeare I,Read MoreHamlets Grief940 Words   |  4 Pagestheir grief and criticized him for continuing to mourn. After being criticized by Gertrude and Claudius, Hamlet chooses to talk to open space to reveal his feelings (1.2.129-158). Hamlet clearly shows the sadness in his heart, as well as the idea of bitterness. He continually attacks his mother’s quick grieving: â€Å"O God, a beast that wants discourse of reason / would have mourned longer† (1.2.150-151). This sadness continues in his fake madness, seeping into conversations that show his need for escapeRead MoreWhy Do Men Give Human Traits951 Words   |  4 Pageswhere Hera fooled mortal women and men to take revenge from lovers of Jove. Semele was one of the other mortal women with whom Hera cleverly took revenge from outwitting Zeus and somehow convincing Semele to ask Zues to come in his really form as an immortal god. She fooled her by coming in as a nurse maid So, here we can say that how all qualities of human are acquired by god to take revenge from their competitors, it can be jealousy, anger, bitterness as well as love and compassion If they have moreRead MoreEnglish Essay Creative Writing - Bullying657 Words   |  3 Pagesnever be accepted into this complex community they call school. Date I gasped for air between sobs. Tears from my wide, moistened eyes streamed unchecked down my pale cheeks. The tears tasted brackish to my lips, with a meaning tint of bitterness in them: bitterness that I felt and enjoin to the others for putting me in such a base and pitiful condition as I was in that day; or always, for that matter. Tears blinded my eyes as a reinvigorated surge of despair swept me. A muffled groan of grief aroseRead MoreThe Theme Of Revenge In A Tale Of Two Cities748 Words   |  3 PagesLoose Stitch Revenge is an urge that one might seek to feed after their sister cleans the toilet with their toothbrush. As the saying goes, â€Å"Revenge is a dish best served cold†. In the novel, A Tale of Two Cities, Charles Dickens prolongs the theme of revenge, as it develops throughout the entirety of the novel. As tensions arose between the aristocrats and peasants, the French Revolution was born. Sixty years later, Charles Dickens addresses the war through through the stark revenge among the peopleRead More The Power of Love in Wuthering Heights Essay1404 Words   |  6 Pagesmerits. She shows that love is a powerful force which can be destructive or redemptive. Heathcliff has an all-consuming passion for Catherine. When she chooses to marry Edgar, his spurned love turns into a destructive force, motivating him to enact revenge and wreak misery. The power of Heathcliff’s destructive love is conquered by the influence of another kind of love. Young Cathy’s love for Ha reton is a redemptive force. It is her love that brings an end to the reign of Heathcliff. Heathcliff andRead MoreBackground and Influence: Merchant of Venice1447 Words   |  6 Pagescitizens still resided in the country, but were forced to conform and convert to Anglicanism. This notion of Catholics being aliens in a country that had for a long duration, been established as a nation under the Catholic Church, awakened suppressed bitterness that had been caused by both peoples past sufferings. The reality that people were physically maltreating other people of a different spiritual background was a legitimate reason for Shakespeare to foundation for this analogous play. Shakespeare

Wednesday, May 6, 2020

Impact of Telecommunication Social or Economical Free Essays

In 2013, worldwide telecommunications will reach $2. 3 trillion in revenues [1]. The revenue from telecommunication services is projected to grow at the rate of 3. We will write a custom essay sample on Impact of Telecommunication Social or Economical or any similar topic only for you Order Now 8 percent [1]. Not only is the telecommunications industry monetarily strong but also has a great impact on the social and economic development of the world. Telecommunications has changed the way people live, interact and conduct businesses. Rwanda, commonly known as â€Å"the Land of a Thousand Hills†, is a country in central Africa. This country faced a civil war in 1993. Between April and June 1994, an estimated 800,000 Rwandans were killed [9]. After this genocide, one of the most important areas of development that the Government focused on was Information and Communication Technology (ICT). Rwanda, with its hilly terrain, is favorable for growing tea and coffee. Export of tea comprised of 70% of its export [2]. Thus during the U. S. recession of 2009, Rwanda’s GDP grew by 4. 1% in comparison to 11. 2% a year before [4]. The geography of the country and the underdeveloped road/rail transportation adds on to increased cost in exporting goods [2]. One of the main reasons for focusing on ICT policy was to convert Rwanda from an agrarian economy to an information-centric economy [3]. In order to achieve this, the Government has implemented National Information and Communication Technology (ICT) policy [8]. Earlier in Rwanda, there were a very few newspapers published on a weekly or even on biweekly basis. The Rwandan Government used to broadcast radio all throughout the day in order to educate people [2]. But this effort did not scale nationwide and the nature of information was limited. There were three major telecommunications providers in the country by 2012, because of National ICT policy and privatization of Rwanda’s telecommunications industry. Telecommunications services have provided a broader source of information through the Internet and has facilitated in educating the people of Rwanda across the nation. One of the main health care issues faced in Rwanda is spread of HIV/AIDS. Innovative ways, such as bulk short message services (SMS), have been used to create awareness among people regarding the virus. The Rwanda Government has given out free cell phones to community health care volunteers, in an attempt to help pregnant women [11]. If there are any questions, updates, or complications regarding the pregnancy, health volunteers text the local clinic and get a response within minutes [11]. Such telecommunications services have helped the social development of Rwanda. Up until 2006 telecommunications in Rwanda was state owned monopoly. Since then there has been privatization of the telecommunications industry [5]. Privatization of the industry led to the arrival of international telecommunications giants. Foreign investment in the telecommunication industry has become one of the channels for the government to increase its revenue. In the fiscal year of 2011/ 2012, Rwanda’s government lost over $23 million because of fuel tax reduction. During the same fiscal year, Bharti Airtel, one of the international telecommunications giant from India, bought a telecommunications license worth $100 million [5]. The Rwanda Government has used this payment to offset part of Rwanda’s fiscal deficit [6]. In order to increase their customer base, all of the telecommunications companies have introduced mobile money services. This service allows customers to send and receive money within the country and also overseas [7]. Almost, Rwf45 billion has been transferred to and from Rwanda from the inception of this service. The telecommunications companies are directly licensed by the National Bank of Rwanda to facilitate mobile money services. The mobile money service has helped in providing more financial services [10]. Telecommunications has helped economic development of the country by enabling easy transfer of money [7]. In conclusion, ICT is helping to re-build Rwanda. The National ICT policy and action plan re-emphasizes the importance of ICT. Telecommunications has helped Rwanda develop socially and economically. This analysis has made me realize that telecommunications is not just any other industry, but has the power to change lives of millions. References: [1] Anonymous (2012). ‘Worldwide Telecommunications Industry Revenue to Reach $2. Trillion in 2013, [Online] Available: http://www. kten. com/story/20754074/worldwide-telecommunications-industry-revenue-to-reach-22-trillion-in-2013-says-insight-research-corp Accessed on January 30, 2013. [2] Anonymous. [Online] Available: http://www. historycentral. com/nationbynation/Rwanda/Economy. html Accessed on January 30, 2013 [3] K. David (2004, May). ‘IMPLEMENTING THE NATIONAL ICT POLICY AND PLAN in RWANDA’ [Online]. Available: http://www. powershow. com/view/200885-ZTVmZ/IMPLEMENTING_THE_NATIONAL_ICT_POLI How to cite Impact of Telecommunication Social or Economical, Essay examples

Friday, May 1, 2020

Exchange Rate Performance and Competitiveness Study

Question: Discuss about theExchange Rate Performance and Competitiveness Study. Answer: Exchange Rate and Competitiveness of Finland Fluctuation in the exchange rate with respect to the current of other economies determines competitiveness in the international market. Depreciation or appreciation of the currency with respect to a foreign currency determine the level of international trade and trade balance of a country. Depreciation of home currency encourages export by making domestic product cheaper to the world market. Cheaper products makes export sector competitive with respect to the other economies (Auboin and Ruta 2013). On the other hand, depreciation makes import costly and reduces demand for foreign products, which helps to improve trade balance. In contrary, appreciation of domestic currency makes import goods cheaper by raising value of the currency. Export becomes costlier and hence, demands for domestic product in foreign market falls. Euro is the official currency of Finland. Finland uses the common currency of European Union to get the trade facilities of the common market of EU. Therefore, the exchange rate of Euro with respect to the other currencies has been displayed below: Period USD JPY GBP SEK AUD BRL MXN 2016 1.1069 120.2 0.81948 9.4689 1.4883 3.8561 20.6655 2015 1.1095 134.31 0.72584 9.3535 1.4777 3.7026 17.6161 2014 1.3285 140.31 0.80612 9.0985 1.4719 3.1211 17.655 2013 1.3281 129.66 0.84926 8.6515 1.3777 2.8687 16.9641 2012 1.2848 102.49 0.81087 8.7041 1.2407 2.5084 16.9029 Table 1: Exchange rate of Euro (Source: suomenpankki.fi 2017) Figure 1: Exchange rate fluctuation (Source: suomenpankki.fi 2017) The above figure presents the exchange rate of Finland against US dollar, UK pound, Australian dollar and Brazilian Real. The exchange rate against US dollar has fallen since 2014 indication depreciation of Euro and decrease in purchasing power of the currency compared to other currency. Therefore, export of goods and services from Finland has increased during 2014 and 2015, whereas import has decreased during two years. Falling exchange rate indicates that value of Euro has fallen. Value of pound with respect to Euro has fallen indication appreciation of domestic currency with respect to pound. It indicates that possibility of import from UK has increased in Finland. Increase in import compared to export increases trade deficit and reduces competitive position of the country. Figure 2: Exchange rate with Japan and Mexico (Source: suomenpankki.fi 2017) Figure 2 is showing changing trade relations with Japan. As Euro has been appreciated to buy greater number of Japanese yen with 1 Euro, import has been cheaper, while export has been costly. However, after 2014, trade relations have changed with the depreciation of Euro. Exchange rate with Mexico has been relatively steady. Along with exchange rate, the determining factor of the global competitiveness is innovation and investment in R D. Finland spent 3.5% of the GDP in RD during 2013, which was highest among OECD countries (oecd.org 2014). Finland holds 8th position in the global competitiveness index of 2016-17 (weforum.org 2017). Investment in RD has improved product quality, product category to enhance product market efficiency and competitiveness of Finland. References Auboin, M. and Ruta, M., 2013. The relationship between exchange rates and international trade: a literature review.World Trade Review,12(03), pp.577-605. oecd.org 2014. OECD Economic Surveys FINLAND Available at: https://www.oecd.org/eco/surveys/Overview_Finland_2014.pdf [accessed on 04.18.2017] suomenpankki.fi. 2017. Exchange rates, yearly average. Available at: https://www.suomenpankki.fi/en/Statistics/exchange-rates/tables/valuuttakurssit_taulukot_en/valuuttakurssit_short_en/ [accessed on 04.18.2017] www3.weforum.org. 2017. The Global Competitiveness Report 20162017. Available at: https://www3.weforum.org/docs/GCR2016-2017/05FullReport/TheGlobalCompetitivenessReport2016-2017_FINAL.pdf [accessed on 04.18.2017]

Sunday, March 22, 2020

Multiple Personality Disorder Essays (1789 words) -

Multiple Personality Disorder Many People in One Multiple Personality Disorder Multiple Personality Disorder (MPD) is a mental disease that exists in about one percent of the population. Much research supports the existence of this disease and its origins, causes and effects on the people in who suffer with it. This essay will clearly define Multiple Personality Disorder along with a detailed synopsis of the disease itself. The diagnosis, alter personalities, different treatments and views will indicate the disease is real. The American Psychiatric Association named Multiple Personality Disorder in 1994 Dissociative Disorder. Multiple Personality Disorder is diagnosed when a person has two or more personalities. These personalities have the ability to control the person and make them do things that they do not remember or would normally not do. When someone has MPD, they do not realize when another personality is in control or what they are doing. MPD is most often caused by early sexual child abuse. This child abuse is often intolerable, so much so that the person forgets these events and develops another personality to remember the abuse. The alternate personality is a defense mechanism. Multiple Personality Disorder can also stem from high levels of stress during childhood, again, usually from abuse. This stress manifests a personality within the person so the stress does not have to be dealt with. When someone has MPD they feel confused. They do not know why or when they have done a certain thing nor with or to whom. There are some early signs of MPD, but they are often mistaken for other disorders such as post-traumatic stress syndrome, schizophrenia, and/or bi-polar disease (manic-depression). A child with MPD could possibly have imaginary friends of any gender or age; MPD individuals will talk to themselves in a manner that is not like them, or honestly do not remember doing things. An example apart from normal childhood lying would be if the child drew all over the walls and when confronted, one could honestly see they do not remember the incident. There is also a lack of diagnosis among children, only nine reported cases were in 1990. During adolescence, a teenager will often turn to other things to deal with the stress of abnormal and excessive forgetfulness or blackouts. An adolescent with MPD can oftentimes exhibit signs of bi-polar disorder, insomnia, suicide threats and attempts, drug use, violent mood swings and panic attacks. When a teenager exhibits these characteristics, MPD is not the first diagnosis to be explored, rather, it is blamed on hormones or drug use. These things can only fuel MPD rather than calm it. Adulthood, or in the age range of 20 years to 30 years old is when a person with MPD is usually diagnosed. This is a time in a persons life when the symptoms of MPD directly interfere with their lives. Not knowing where you are or how you got there is a big issue if you are trying to raise children or maintain a marriage. Also, as an adult, there is the freedom to seek help. Diagnosis of Multiple Personality Disorder is a complicated process. It involves many psychological tests on the patient as well as preliminary therapy to accurately determine if the patient has MPD. The International Society for the Study of Dissociation revised guidelines in 1996 concerning treatment options for persons with MPD. According to their website, www.issd.org, A mental status examination augmented with questions concerning disassociative symptoms is an essential part of the diagnostic process. This means there are specific questions and evaluations that have to be presented before a diagnosis is made. The patient is asked questions about hearing voices, forgetfulness beyond normal, amnesia, problems with identity, regressed memories and hypnotic episodes. Also according to the website, Structured interviews for the detection of dissociative disorders are now available and can be used to confirm a clinicians diagnosis. Such interviews are the Structured Clinical Interview for DSM-IV, which helps the therapist evaluate and document the severity of specificsymptoms(www.religioustolerance.org), and the Dissociative Disorder Interview Schedule that is a detailed interview to diagnose MPD. The problem with the diagnosis of Multiple Personality Disorder is that it takes such a long time to actually diagnose, the average is six years

Thursday, March 5, 2020

Ch. Solutions Essay Example

Ch. Solutions Essay Example Ch. Solutions Paper Ch. Solutions Paper DADS uses one upload speed from the consumer to an ISP and a faster download peed. SODS uses equal bandwidths in both directions. 4 Among satellite, cable Internet, and DSL, which technology experiences more latency? Satellite 5. When using DSL to connect to the Internet, the data transmission shares the cabling with what other technology? Regular telephone 6. When using cable Internet, the data transmission shares the cabling with what other technology? Television 7. What is the name of the port used by an Ethernet cable? What is the name of the port used by a dial-up modem? ARC-45, ARC-II 8. If you want to upgrade your I Cobalt Ethernet network so that it will run bout 10 times the current speed, what technology would you use? Gigabit Ethernet or I Boasts 9. What is the maximum length off cable on a Bassett network? 100 meters or 328 feet 10. What does the 100 in the name Bassett indicate? The transmission speed of the network, which is 100 Mbps. 11. Which type of networking cable is more reliable, STEP or LIT? Which is used on Lana? STEP is more reliable, CITY is used on Lana 12. Which is more expensive, HTTP Cater cabling or STEP Cater cabling? STEP Cater is more expensive because it is shielded 13. When looking at a network cable that is not labeled. Scribe how you can tell if the cable is a straight-through cable or a crossover cable. Carefully examine the colors of the wires that you can see through the clear plastic RAJA connector. 14 What technology is used when power is transmitted on a network cable? Power over Ethernet (POE) 15. Describe the difference between a hub and a switch. A hub is a pass-through device that transmits all frames to all devices it is connected to except the device sending the frame. A switch is smarter and transmits frames only to the device to which the frame is addressed, or, if the MAC address table doesnt have a particular entry, the switch operates like a hub and sends the frame out to all devices except to the one sending the frame. 16, How is a wireless access point that is also a bridge more efficient in handling network traffic than a wireless access point that is not a bridge? Because the bridge limits the amount of traffic bet,even the two network segments. It allows only the traffic to pass that is destined for the other segment. 17. What type of cable uses an F connector? TV coax cable 18. Why does a ACTA cable have a plastic core? Which two types of cabling is commended for Gigabit Ethernet? TO keep the pairs Of demisted Wires separated which reduces crosstalk. CAT-e and ACTA 19. How many wires does a ACTA cable have? A Cater cable? A coaxial cable? Eight, eight, one 20. Which tool can you use to verify that a nonvoter port on a computer is good? Lubbock plug 21 After making a straight-through cable, which tool can you use to certify the cable? Cable tester 22. Which tool can help you find a network cable in the walls of a building? Toner probe 23, Which tool is used to fair-only attach a RAJA connector to a network cable? Crimper 4, Which tool can help you find out which wall jack connects to which port on a switch in an electrical closet? Lubbock plug 25, Name b,vow places where you might find a keystone ROSS jack in a building. In a patch panel in the network closet and in a RAJA wall jack 26. List the number assigned each pair and the color of each pair used in twisted-pair networking cables. Pair 1 is blue; pair 2 is orange; pair 3 is green, and pair 4 is brown. 27. What two standards are used to wire networking cables? 56TH and TABS 28 Of the two standards in Question 26, Which standard is the most common? Which is required for all U. S. Government installations? TABS, 56TH 29. Using either Of the two Wiring standards, What are the colors Of the two pairs used to send and/or receive data on a Bassett N.B.,fork? Green and orange 30. HOW many pairs Of Wires are crossed in a crossover cable that Will work on a Bassett network? On a Bassett network? Two pair, four pair 31. To prevent crosstalk in a keystone RAJA jack, what is the minimum length of wire that should be untwisted? H inch Thinking critically 1. Linda has been assigned the job of connecting five computers to a network. The room holding the five computers has three network jacks that connect to a switch in an electrical closet down the hallway. Linda decides to install a second switch in the room. The new switch has tour network ports. She uses one port to connect the switch to a wall jack, Novo she has five ports available (two wall jacks and three switch ports). While installing and configuring the Nice in the five computers, she discovers that the PCs connected to the two wall jacks work fine, but the three connected to the switch refuse to communicate with the network. What could be wrong and what should she try next? Answer: Try connecting one of the non-working computers to a wall jack. If that works, then the problem is the switch, the cable connecting the switch to the wall jack, or the wall jack the switch is using. First try installing the switch on a known-good jack. Then replace the cable to the switch; then replace the switch. 2. If a Gigabit Ethernet NICE is having a problem communicating with a Bassett switch that only supports half duplex, what steps can you take to manually set the NICE to the speed and duplex used by the switch? Which speed and duplex should you choose? GO to Device Manager and Open the properties box for the NICE. Click the Link Speed tab and select 100 Mbps Half Duplex. 3. You connect a computer to an RI-AS wall jack using a straight-through cable. When you first open the browser on the computer, you discover it does not have Internet access. Order the following Steps in the correct order to troubleshoot the problem. A. Use a Lubbock plug to verify the network port on the computer. B. Rewire the keystone R]45 wall jack. C. Use a Lubbock plug to verify the network port in the wall jack. D. Exchange the straight-through cable for a known good one. E.

Tuesday, February 18, 2020

Spirituality in Nursing Care Essay Example | Topics and Well Written Essays - 2000 words

Spirituality in Nursing Care - Essay Example Consequently, the subject of spirituality is at the heart of both medical practitioners and their patients. This is because all people are spiritual and that spiritual care largely contributes to the process of healing. Moreover, rehabilitation patients usually need a lot of spiritual care than patients in other healthcare areas because of their condition. Even though the duties in nursing practice always involve the provision of ethical and competent nursing services to patients, their profession widely involves provision of direct services that involve interactions between the person, health and environment. However, training in this area of spiritual care is seldom provided since most of the training is focused on emotional, social, cultural, physical and psychological aspects of the client. The nurse, therefore lacks the ability to provide spiritual care. Many nurses feel uncomfortable in accessing a client’s spiritual realm because of the abstract nature of the elements o f spirituality. Others find it difficult to develop appropriate methods to access this spiritual area. Moreover, the strict standards of practice make it difficult for nurses to indulge in spiritual care since these standards are self-regulating. Spirituality usually provides patients with a scope to view the world that they live in and, therefore involves an individual’s greatest threats and ambition.... Some of the spiritual values that can be applied by the nurses to bring about spiritual nourishment to their patients include: Compassion Compassion refers to the ability to control our impulsive and compulsive reactivity. For the nurses to take their patients through the road of spiritual nourishment, they have to have control over negative emotions that might arise because of interacting with their patients. These emotions can be manifested in form of frustrations, anger or impatience with patients. The nurses through dialogue should continuously encourage their patients to take a courageous look at their heir shortcomings in order to establish a balance between detachment and compassion. This balance represents success in spiritual progress as the patient grows in their ability to control rash reactivity and the reward being a relieving sense of detachment. Purity In such a situation, the patient views the nurse as an example of a healer. The nurse should ensure that the treatment given to their patients should be of high quality, since they represent the perfect example of such a quality. This is necessary to keep the patient growing because the treatment will be a perfect reflection of the provider who in this sense is purported to be pure. The patient should be put in the right frame of thinking to give room for positive thoughts that are vital for purification of their mind. This will be achieved since the patients will strive to emulate the perfect character of their attendants. Forgiveness Through the process of effective counselling, the nurse should bring out the concept of imperfection to the patient. The patient should realise that all the things that we encounter in this world are seldom perfect. The main objective should be to put the patients

Monday, February 3, 2020

Small-business owner Research Paper Example | Topics and Well Written Essays - 250 words

Small-business owner - Research Paper Example A labor-relations strategy involves identifying the goals in labor relations that are desired by both the labor and the management. They could be picked out individually or jointly. A strategy to meet these goals will then be identified (Slaughter, 2008). This could be a collaboration strategy or compliance strategy, or a combination of both collaboration and compliance (Noe, 2007). Actions necessary to carry out that strategy will then be developed. As a manager, I would motivate my employees by rewarding appropriately for the time they dedicate to the company, offering annual pay increments (Christiansen, 1983) and showing appreciation through complimenting on a job that’s been well done. Assigning a manageable amount of work to each employee would also motivate him/her to work well. Lastly, it’s important to engage in casual conversations with employees and try to learn something about every one (Noe,

Sunday, January 26, 2020

Strategic Analysis and Strategy Formulation of Tesco

Strategic Analysis and Strategy Formulation of Tesco Jack Cohen founded Tesco in 1919 when he began to sell surplus groceries from a stall in the East End of London. His first days profit was  £1 and sales  £4. The Tesco brand (Tesco Tea) first appeared in 1924. The name comes from the initials of TE Stockwell, who was a partner in the firm of tea suppliers, and CO from Jacks surname. The first Tesco store was opened in 1929 in Burnt Oak in North London, and Tesco was floated on the London Stock Exchange in 1947 as Tesco Stores (Holdings) Limited. Nowadays its market capitalisation is about  £35 677 billions, which rank it at the 10th position. The first self-service store opened in St Albans in 1951 (still operational in 2009 as a Metro), and the first self-service supermarket in Maldon in 1956. Originally specialised in food and drink, it has gradually diversified into areas such as clothing, consumer electronics, financial services, telecoms, home, health and car insurance, dental plans, as well as retailing and renting DVDs, CDs, music downloads, Internet services and software. The principal activity of the Group is retailing and associated activities in the UK, the Republic of Ireland, Hungary, Poland, Czech Republic, Slovakia, Turkey, Thailand, South Korea, Malaysia, Japan, China and the US. The Group also provides retail banking and insurance services through its subsidiary Tesco Personal Finance. Tescos net sales excluding VAT reached  £62.5 billion (US$95 billion) in the financial year to February 2010. Tescos revenues are considerably smaller than Wal-Marts, which reached US$405 billion for the financial year ending January 2010, up by 1% , but they are comparable to Carrefours, whose turnover reached EUR 85.9 billion in 2009 (US$114 billion), down by 1.2%. The Groups selection, training, development and promotion policies ensure equal opportunities for all employees regardless of factors such as gender, marital status, race, age, sexual preference and orientation, colour, creed, ethnic origin, religion or belief, or disability. All decisions are based on merit. Internal communications are designed to ensure that employees are well informed about the business of the Group. Employees are encouraged to become involved in the financial performance of the Group through a variety of schemes, principally the Tesco employee profit-sharing scheme (Shares in Success), the savings-related share option scheme (Save As You Earn) and the partnership share plan (Buy As You Earn). 2. Strategic analysis 4 pillars sustain Tescos strategic positioning in any region of the world SWOT Strengths Supermarkets/hypermarkets, steady growth Private label Established position gives buying power and economies of scale Weaknesses Customer service Relatively small overall market share (just over 3%) Opportunities Different store concepts Room to increase market share Growing demand for premium/imported/organic stuff Car insurance and other non-food products Online shopping Threats Competition intense Saturation: hypermarkets 5 forces: Industry rivalry Very strong Fragmented and competitive market (consumers have wide choice) International retailers and smaller local rivals Threat of substitutes Also supply products (mainly private label) at discount Online retail (new and underdeveloped opportunity) Threat of new entrants Low, saturated, relatively high barriers to entry If large retailers were to start buying up smaller domestic rivals it would be a threat They would be bigger more economies of scale Bargaining power of suppliers Low As the market becomes less fragmented, will get even lower Customers such as Tesco represent large % of their revenue, so Tesco can dictate to suppliers Margins and prices lower with increase in private labels The retail business is very competitive and Tesco is fighting against several different competitors around the world to remain as one of the biggest retailers. A ranking of the different competitors shows that Tesco arrived at the 3rd place, distanced by Carrefour and Wal-Mart, which is much bigger in comparison of all other opponents. We will cast a glance to four main competitors: Wal-Mart, Carrefour, Schwart Beteiligunfs and Seven and I holdings. Wal-Mart is a giant in comparison of other, and that retailing share are slowly improving, around 0,1%, except for Wal-Mart which has a 0,3% growth. Wal-Mart Stores Inc. Wal-Mart (New York Stock Exchange) is an American retailer founded in 1962 by Sam Walton. In less than two decades the company was the dominant player on the American market and is nowadays, seen as a titan among other retailers. Its world retailing share is impressive and rose from 3,5 to 3,9% between 2008 and 2009. They had a profit of more than $ 13,4 billion for the year 2009, it is an increase of 5% in a difficult financial context, far ahead of Carrefour and Tesco. Moreover they have a cash flow of more than $ 11 billion, and we can easily imagine that they will be able to easily continue their expansion abroad. They are the main player on the American market and have different size of store : Hypermarkets, supermarkets, discounters, variety stores, mass merchandisers, warehouse clubs, clothing and footwear specialist retailers, internet retailing. Sales are still improving in the US market, probably because of the always low prices policy. A basic SWOT analysis shows: Strengths: Sales and profit, rivals are dwarf in comparison Performance in Latin America: they implemented with success in Brazil and Mexico Weaknesses: Saturation of the large format in the USA. They built as many supercenter as possible, and now have to target a new kind of hypermarket. Dependence on home market: the USA still remains Wal-Marts core activities, and it is quasi impossible to increase significantly its market share in this country. Opportunities: New concept of small stores: until now Wal-Mart is known for its supercenter, which are closer from a warehouse than a supermarket. They tried to developed new types of store, smaller to attract more clients from cities. Existing presence and future in emerging market. Wal-Mart is targeting expansion in Russia, but has a strong presence in Mexico and Brazil. Threats: Corporate image: this is probably the major threat for Wal-Mart. Dozens of articles were published, several movies and books as well to highlight how employee are treated. The company has a very bad image, and an anti union policy. This policy explains the failure of Wal-Mart in Germany. Sources: www.euromonitor.com Carrefour S.A Carrefour (Euronext) is a strong number 2 in the retailing sector, and Tesco clairly explained that its main objective was to take its seat. Even if in comparison of Wal Mart, Carrefour remains a dwarf, it is still far ahead of Tesco. Its world retailing share is between 1,1% in 2008 and 1,2% in 2009, its total net sales reached $ 144 billion in 2008, and those of Tesco were of $ 99 billion. However, Tesco had greater profits, but only in 2009 and due to the fact that Carrefour is facing difficult issues in emerging markets. They recently acquire several competitors in emerging markets, and their integration takes time and is quite costly. But the company will soon see its profit increasing. A SWOT analysis highlights: Strengths: Brand awareness and large size group: the group is well known and has the advantage to be very diversified, they are present on every segment: from the small to giant retailer. International and multi format reach: Carrefour is present in more than 30 countries, among retailing firm it is the one with the strongest presence abroad. Weaknesses: Low margins: they faced price pressure from Tesco abroad and Leclerc in the home market (France). So they are force to reduce their margin. Reliance on Western Europe Market: the company is still using western markets as its main cash cow, the development abroad has been very costly and is still not very profitable. But it is mainly due to a transition period. Opportunities: Recent and future new market entries: recent entry in Russia and Bulgaria will increase profits. The group is also targeting India. Re branding to bring more synergies: until now a lot of shops still had their own names like Champion, Shopià ¢Ã¢â€š ¬Ã‚ ¦ There is a new policy of rebranding all shops to gain in visibility. Threats: Challenges from the two largest discounters: Aldi and Schwartz are implementing Carrefours home market: France. There is a growing pressure on prices. Unfavourable economic conditions: even with a catch up of the world economy, some of Carrefour main markets like France, Italy or Spain are likely to have a weak economic growth which could have a negative impact on sales. Sources: www.euromonitor.com Seven I Holdings Co Seven I is the main retailer in Japan, far ahead in front of its main competitor AEON and a world retailing share of 0,7%. Profit for 2008 reached $892.3 million, down by 29% due to difficulties in the Japanese economy. SWOT analysis: Strengths: Brand awareness and efficiency: they are very present in Japan. Global presence, especially in Asia: this company is operating in 17 countries, with special focus on Asian market like South Korea, Malaysia, Thailand and Japan. Weaknesses: Under performance in non grocery retailing: in its store non grocery items represent 32% of sales, and this kind of product make the group more vulnerable. Heavy reliance on Japan: the group is in a tight corner, Japan remains its main cash cow and they need to diversify their funding sources. Opportunities: Growth opportunities in emerging market: the presence in China might be increased if they receive an authorization for franchising. They also have expansion plans in Thailand, but nowadays it might be risky due to political trouble. More synergy and economies of scale : among all its subsidiaries they can still improve economies of scale between brands and internet retailing. Threats: Price battle: there is an intensive price battle in Japan. AEON and Wal Mart developed aggressive pricing strategies, and forced Seven to reduce its margin. Japan might face demographic and economic difficulties. There is an ageing population and it could turn as a threat for this retail firm. Sources: www.euromonitor.com Schwarz Beteiligungs Gmbh Schwartz is a German firm mainly active in the hypermarket and discounter business. It is mainly known for its discount branch Lidl. It ranked 8th among global retailer, with a constant world retailing share of 0,6%, but it is the first discounter. Its main competitor is Aldi, ranked at 10th place. It is a family group and has a secret policy, so they do not release publicly the profit results, but the group cash flow reached $ 1,7 billion for 2008. SWOT analysis: Strengths: Group ownership and store concept: the group remains the propriety of one family, so they are well protected from takeover threats and shareholder pressure which could affect a long term strategy. Broad presence in Easter Europe: there is an important presence of the company in eastern Europe with two different brands, far ahead from its competitor Aldi, but still far behind other important competitors like Tesco or Carrefour. Weaknesses: International development confined in Europe: the group is present in Europe, but has no presence in any emerging market like BRICS. Bad corporate image: accused of spying its employee in Germany in 2008. Opportunities: New store formats and internet retailing: the group can develop new format in Europe which are saturated market. Extend presence in Easter Europe: expansion in Poland, Romania, and Bulgaria could generate important profits increase. Threats: Price wars: most of the discounters are engaged in a price wars to gain more and more customers, it could be a important threat because they are force to reduce their margin. Intensive competition among discounters. Sources: www.euromonitor.com Tesco is present in numerous different markets. We couldnt present all of them. So we choose the most strategic for the company in term of sales and profit, and we also add China and the USA because they are two giants market. We didnt show Tescos market share in Japan, because its present is not very important, the company is not in the top twenty retailers, the market is strongly dominated by Seven and AEON. A rapid overview of the table shows that Tesco expansion abroad is very successful. Indeed, in most of the case Tesco is number one in term of market share (Hungary, Czech Republic, Thailand), or number three (Poland and South Korea). Furthermore, in its home market Tesco is an unquestionable leader with more than 13,4% of market share. Abroad Tesco met its goal; the abroad expansion was always leaded by the motto abroad expansion is only justified to become number one, and in several markets like Czech Republic and Hungary, Tesco beneficiated of the first mover advantage. Tesco is definitely the most influent retailing firm in CEE countries, even if in Poland retailers like Biedronka or Carrefour are serious competitors. In comparison, results in China and in the USA might be seen as counter performance, but we have to adopt a relativist posture. China is a very competitive market, the market leader is GOME Electrical Appliances Holding Ltd, and has only 0,9% of market share. The first European firm is Auchan China, ranked at the 4th place and with 0,8% of market share. All competitors are in a tight corner, and no one can dominate the market. In the United State, Wal Mart dominates the market, and all others are dwarf in comparison. Becoming the market leader in the USA is an unrealistic goal. 3. Strategy formulation Tesco has a well-established and consistent strategy for growth, which has allowed them to strengthen their core UK business and drive expansion into new markets. The rationale for the strategy is to broaden the scope of the business to enable it to deliver strong, sustainable long-term growth by following the customer into large expanding markets at home such as financial services, non-food and telecoms and new markets abroad, initially in Central Europe and Asia, and more recently in the United States. The strategy to diversify the business was laid down in 1997 and has been the foundation of Tescos success in recent years. The objectives of the strategy are: To be a successful international retailer To grow the core UK business To be as strong in non-food as in food To develop retailing services such as Tesco Personal Finance, Telecoms and tesco.com To put community at the heart Their long term strategy is pictured in this Steering Wheel scheme: Source: Tesco Annual Report 09 Tesco is implemented in 14 countries, employing 470,000 people and has 4  331 stores worldwide. Source: Tesco Annual Report 09 First, in order to increase sales, Tesco needs to sell more products to existing customers in existing stores. In order to do so, the company has divided its offer into two main streams: products and services. Food and non-food products (fuel, closing, household, health beauty and entertainment goods) are leveraged by private labels programs. Customer segmentation was enhanced by the introduction in 1995 of the companys loyalty card, Tesco Clubcard, which provides benefits and discount to the firms regular customers. In addition, it provides a solid database on the customers needs and profiles. This substantial database is currently used to target identified customers segments by launching private labels which are sub-brands. Tescos Corporate Strategy can be summarized with this statement: Tesco has pulled off a trick that as no any other retailer. That is to appeal to all segments of the market. Tescos Private labels targeting identified segments: Source: Tesco: A case of retailing excellence-Coriolis Research On the other hand, services were expanded into four kinds: Tesco Financial Services named Tesco Bank which is 50/50 joint venture with Royal Band of Scotland. Products on offer include credit cards, loans, mortgages, savings accounts and several types of insurance, including car, home, life and travel; Travel Services: Focused on low-cost packages and travel deals. Joint-venture with Travelcare (UKs largest independent travel agency); iVillage.com: Shopping and information website for women in the UK. Tesco initially acquired a 50% stake and later 100%. It expanded the brand into magazines and books. Tesco Telecom: Home telephone and Internet services offering lower prices than British Telecom. Moreover, they launched a 50/50 Joint Venture with O2 to provide mobile phones services. A similar service has since been launched in Ireland and Slovakia. However, Tesco has not purchased or built a telecoms network, but instead has pursued a strategy of pairing its marketing strength with the expertise of existing telecoms operators. Second, Tesco developed new store formats to capture more customers. It was designed in order to suit varied shopping patterns of their customers. Its store portfolio was splitted into four different store formats: Express: Tesco Express stores are neighbourhood convenience shops, stocking mainly food with an emphasis on higher-margin products (due to small store size, and the necessity to maximise revenue per square foot) alongside everyday essentials. They are found in busy city centre districts, small shopping precincts in residential areas, small towns and on petrol station forecourts. Metro: High street store/shops in large city centre shopping areas aimed at workers, shoppers and local residents. Tesco Metro stores are sized between Tesco superstores and Tesco Express stores. The first Tesco Metro was opened in Covent Garden, London in 1992. Superstore stores offer a full range and many non-food products. These are standard large supermarkets, stocking groceries and a much smaller range of non-food goods than Extra stores. Extra hypermarkets are very large stores offering the maximum food and non-food range situated mainly out-of-town. Their number of these is now being increased by about 20 a year. Newer Tesco Extra stores are usually on two floors, with the ground floor for mainly food and the first floor for clothing, electronics and entertainment. Older stores have all sales on one floor and a cafe on a large upper balcony. In addition, Tesco became the world leader in e-grocery. Tesco has operated on the internet since 1994 and was the first retailer in the world to offer a robust home shopping service in 1996. Tesco.com was formally launched in 2000. It also has online operations in the Republic of Ireland and South Korea. Grocery sales are available within delivery range of selected stores, goods being hand-picked within each store. Third, Tesco expanded on global level. By the mid-90s Tesco realized that the UK retail market was saturated and the growth opportunities would be few. This necessity to expand its business, which was financed with its UKs operations profits, has to be leveraged by 5 prerequisites framing the market. It has to be a large market meaning that it must add significant scale to existing U.K business; The market has to be growing in order to participate in strong organic growth; Retail market has to be underdeveloped which means that there would be an underdeveloped competition and a large availability of premium location store; Opportunities for mass merchandise have to be high in order to use hypermarkets as the vehicle for growth, and thus skip the supermarket phase; Tesco seeks a direct market-leading position usually associated with higher returns. By the mid 90s, Tesco realized that the UK market is saturated and it would offer few opportunities for growth. To continue its success in the retail business, the company recognized the necessity to expand its retail business in the international markets. First, it has targeted the developing markets in Asia and Central-Eastern Europe. Then it decided to enter some developed market such as Japan in 2003 and the United States in 2007. After selling its operations in 1986, Tesco re-entered the Irish market in 1997 after the purchase of Power Supermarkets Ltd. Now it operates from 101 stores. They offer a home delivery shopping service as well as petrol, mobile telephone, personal finance, flower delivery service and a weight-loss programme. Also available is Tescos loyalty programme, the Clubcard. Tesco is now the grocery market leader in the Republic of Ireland. Tesco Ireland also claims to be the largest purchaser of Irish food with an estimated à ¢Ã¢â‚¬Å¡Ã‚ ¬1.5 billion annually. Tesco opened its first store in the Czech Republic in 1996 and now has over 84 stores, with further planned. Tesco opened its first stores in the Czech Republic by buying Kmarts operations for  £79 millions and converting them into Tesco stores. The retail sector in Czech Republic was highly fragmented which attracted Tesco to implement in this country (50 retailers covering about 20% of the total market). Tesco is also keen to expand non-food items and has already opened petrol stations and offers personal finance services in the Czech Republic. In 1995 Tesco launched in Hungary its first operation abroad, after purchasing US Kmarts operations. It also opened its first hypermarket in Hungary in the same year. Tesco operates through 101 stores in Hungary with further openings planned. Tesco offers its value, standard, healthy living and finest range in its stores. Tesco Hungary also offers a clothing line and personal finance services. Tesco entered the Polish market also in 1995. It currently operates from 334 stores. Tesco Poland offers the value, healthy living and own branded line of products as well as regional produce, petrol, personal finance services and on-line photo processing. In 1996 Tesco expanded in Slovakia. Now days there are 48 stores. They plan to introduce Tesco Express like local stores. Tesco Slovakia has recently put great emphasis on organic products. However, Tesco Slovakia caused controversy amongst the Slovak government when it was found to have come foul of food safety laws in 2006. In the year 2010 were in Tesco Extra in Bratislava opened the first self-service cash flow, which is also the first of its kind in Central Europe. Tesco entered Turkey in November 2003 by acquiring 5 hypermarkets of Kipa. Tesco remains focused on building infrastructure in Turkey to complete its expansion plans and has already introduced the Tesco Express format. There are plans to increase the rate of expansion as basic infrastructure is built. Lets just remind that Tesco has a small outlet in Calais, France since 1992. It is selling wine, beer and spirits in a single store of 1  400 m ². In 1999 Tesco bought 51% stake in the supermarket retailer Homeplus, which is a part of Samsung, to enter South Korea. The company had focused its location around Seouls developed region in order to become the countrys leading food retailer. Currently Tesco holds 94,6% of the shares in the venture. It operates hypermarkets as well as a home delivery shopping service. It is the second largest retailer in South Korea, just behind Shinsegae Group. On 14 May 2008, Tesco agreed to purchase 36 hypermarkets with a combination of food and non-food products from E-Land for $1.9  billion ( £976  million) in its biggest single acquisition, making Tesco the second largest in the country. The majority of the E-Land stores formerly belonged to French retailer Carrefour before 2006 and most of the stores will be converted to Tesco Homeplus outlets. Tescos South Korean discount store chain, Home Plus, currently has 66 outlets. Tesco entered China in 2004 by acquiring 50% ownership of Hymall, a Taiwan based hypermarket operator. In December 2006 it raised its stake to 90% in a  £180  million deal. Most of Tesco Chinas stores are based around Shanghai. However, Tesco plans to equip the business to expand more quickly and in different areas and take advantage of one of the largest market in the world. Tesco has been increasing its own brand products into the Chinese market as well as introducing the Tesco Express format. Tesco entered Japan in 2003, even though it is the second biggest food market after the US. In fact, the company considered that Japanese market has a strong potential, as it consisted of large number of consumers with high disposable income. Thus, they bought 78 stores of C Two stores for  £139  million in July 2003 by a buy-out. Later on April 2004 they bought stores from Frec. Tesco has adopted an approach which focuses on small corner shops operating similarly to its Express format rather than opening hypermarkets. It has also launched its range of software in Japan. Tesco opened its first store in Malaysia in May 2002 with the opening of its first hypermarket in Puchong, Selangor. It bought a 70% stake of Sime Darby, Malaysias oldest industrial group, to form Tesco Stores. Tesco Malaysia currently operates 32 Tesco and Tesco Extra stores. One third of total shops are in Selanagor with 11 stores. Tesco also acquired Makro, a local wholesaler which was rebranded Tesco Extra and provides products for local retailers. Tesco Malaysia offers a value range; own branded range, electronic goods, the loyalty clubcard and clothing. Tesco Malaysias clubcard introduced Green ClubCard Points in 2007 making Tesco Malaysia to be the first Tesco international business to introduce the scheme. Tesco entered Thailand in 1998 and operates through 380 stores as part of a joint venture with Charoen Pokphand and named the operation Tesco Lotus. This partnership was dissolved in 2003 when Charoen Pokphand sold its shares to Tesco. Tesco Lotus sells a diverse range of products from value food products to electronics to personal finance services. The company is keen to promote its green values and has partnered with the UNEP. Tesco Lotus claims to serve 20 million customers every month and that 97% of its goods are sourced from Thailand in order to fit local needs. In December 2000, Tesco acquired shops of Mackro Asia and entered Taiwan market. It offered special value lines targeting specific customer segments. However, in September 2005 Tesco announced that it was selling its operations to Carrefour and purchasing Carrefours stores in the Czech Republic and Slovakia. Both companies stated that they were concentrating their efforts in countries where they had strong market positions. In February 2006, Tesco announced its intention to move into the United States market, opening a chain of grocery convenience stores on the West Coast (Arizona, California and Nevada) in 2007 named Fresh Easy. Tesco purchased a 130,000  square metres (1,400,000  sq  ft) distribution centre in Riverside Country. The company established its U.S. headquarters in El Segundo, California. The first store opened in November 2007 with 100 more expected in the first year. They plan to open a new one every two-and-a-half days in the United States, to mimic the successful expansion of pharmacy chains such as Walgreens in the U.S. Currently Fresh Easy operates 135 stores in the United States. The company announced plans to open stores in wealthy suburbs of the Pakistans capital cities, Islamabad and Karachi. These new stores will be wholesale cash-and-carry businesses. They will compete with Makro and Carrefour who already operate in Pakistan and have done so for many years. Tesco have not yet ruled out plans to open stores in an Express format, though this format would cater more towards the countrys growing middle class. In addition, the project of implementing in Croatia is under construction. In 2009, Tescos International business delivered a very strong performance, helped in part by favourable exchange rate movements during the year, and excluding the United States contributed 51% of the growth in Group sales and 45% of the growth in Group trading profit. Total International sales grew strongly by 30.6% at actual exchange rates to  £17.9bn ( £13.7bn in 2008) and by 13.6% at constant exchange rates. Sales growth slowed in Europe during the second half, which reflected deteriorating economic conditions in a number of markets. In contrast, sales growth in Asia accelerated, driven by the acquisition of the 36 Homever stores in South Korea at the start of the second half. Finally, we can notice in this Group Sales/Space by Region chart that Tesco keep UKs market as their core business Source: Tesco Annual Report 09 4. Recommendations for long term strategic positioning for Tesco in Poland Be as strong in non-food as in food Develop retailing services such as Tesco Personal Finance, Telecoms and tesco.com Develop online shopping Improve customer service Acquire domestic small chain from traditional trade to reach consumers in small towns Open more Tesco Express in the cities for people looking for proximity Open delicatessen like stores Open small inside restaurants in the supermarkets

Saturday, January 18, 2020

Proposal Online Banking

There has been a fundamental shift in the use of banking delivery channels toward self-service channels such the Internet [Hernandez-Ortega, 2007]. Internet banking, which was introduced in the early 1990s [Srivastava, 2007], makes it possible to replace the manual service functions provided by bank employees, along with the brick and mortar investment required of financial institutions [Dandapani, et al. , 2008]. It represents an electronic marketplace where consumers may conduct their financial transactions virtually [Reiser, 1997; Daniel, 1999].Today, financial service institutions that offer their services over the Internet are keen to accelerate the adoption process, knowing that the cost of delivering the service over the Internet is much less than delivering the same service over-the-counter [Polatoglu and Ekin, 2001]. In addition, Internet banking is an important innovation that presents institutions a vital distribution channel, which could act as a means of attaining compet itive advantage through cost reduction and better satisfaction of customer needs [Carrington, et al.  , 1997; Kassim and Abdulla, 2006; Mols, 1999].In response to the increased competition, banks in Malaysia are starting to leverage the Internet as a means to provide financial services. An empirical study by Sulaiman, et al. [2005] suggests that the adopters' perceptions of e-banking in developing countries appear to be very favorable. In Malaysia, however, despite the authorities? encouragement to the public to adopt Internet banking, traditional branch-based retail banking remains the most common method for conducting banking transactions.For example, Sivanand, et al.  [2004] found that, although more than 80% of their respondents were aware of Internet banking, less than 10% were currently using the services. With regard to information technology adoption, previous studies have suggested that the set of beliefs that influences an individual to adopt the technology may not be the same as the set of beliefs that leads to his or her initial adoption [Venkatesh, et al. , 2003]. According to Kruglanski and Klar [1985], each time a particular goal of an individual is achieved by a specific behavior, the cognitive link  between the behavior and goal becomes stronger.The result is a cognitive goal-behavior link that creates an automatic response behavior (i. e. , habit). This may suggest that factors that are considered by an individual in the initial stage of adoption may be different from the factors that are considered by him or her after using the technology. Repurchasing intention is one of the important constructs being studied by researchers [Soderlund and Ohman, 2003].Zeithaml, et al.  [1996] suggest that repurchasing intention is associated with a service provider?s ability to get its customers to remain loyal (i. e. , repurchase from the company), spend more with the company, and pay price premiums. In online business, the founder of Amazon. com, Jeff Bezos, noted that one way to build a relationship with customers is by observing their purchase behavior over time [Porter, 1998]. In another aspect, previous literature has highlighted numerous barriers to the adoption of Internet banking.One local finding suggests that the adoption of Internet banking is not so encouraging in Malaysia mainly because of factors such as lack of Internet accessibility, poor awareness, and security concerns [Suganthi, et al. , 2001]. Although there is sufficient evidence that the electronic revolution has commenced in Malaysia, Internet banking research, however, is still in its infancy, particularly with regard to the predictors of intention among current users to continue using the services.This study was undertaken, therefore, to better understand the predictors that may influence current Internet banking users to continue using these services. This paper attempts to determine predictors that may influence the current users of Internet banking to continue using the services. Based on the literature reviewed, we strongly believe that trust, compatibility, and ease of use are key predictors of their intention to continue using Internet banking services. The current users of Internet banking services in Klang Valley, Malaysia, were chosen as the population of this study.1.1 Research Question The objective of this study attempts to answer the following research question: Whether Internet banking services in Klang Valley Malaysia is accepted the Internet banking services for the country growth. Whether Internet banking services could improve the performance in Klang Valley in  Malaysia?1. 2 Problem Statement The explosion of internet usage and the huge funding initiatives in electronic banking have drawn the attention of researchers towards internet banking. (Yi-Shun Wang, Yu-Min Wang, Hsin-Hui Lin, Tzung-I Tang, (2003)) Point out the need for research to identify the factor that determine acceptance of internet banking by the user.  (Yi-Shun Wang, Yu-Min Wang, Hsin-Hui Lin, Tzung-I Tang, (2003))This study focuses on the adoption of Internet banking services by corporate customers in Malaysia and aims to gain a deeper understanding of the factors influencing the adoption of Internet banking services by Malaysian, particularly in Klang Valley customers. (Syed Shah Alam, Rosidah Musa, Faridah Hassan, (2009))1.3 Objective of the StudyThe objective of this project is to study effect of Internet banking services in Klang valley Malaysia on determinant of user acceptance of internet banking. Based on this goal, I have come up with sub-objectives to find out the determinants. The main objective why this study is being undertaken is to analyze whether the internet banking is accepted by people at Klang Valley in Malaysia. To determine that people in Klang Valley can adobe and can used it to improve their bank performance in the future.1.4 Significant of the StudyThis information is at least be able to provi de knowledge to researcher and me as well whether there is effect of financial risk management on financial sector performance in Malaysia and also how far the correlation between it.1.4.2 Investor This knowledge can be used by investor about the impact of financial risk management on financial sector in Malaysia when they need to make a certain decision1.4.3 To Generate Further Research With this study and other thousands research, it would be best to generate more knowledge for the future. As done by past professors and researchers, which now are being updated and improved to adapt to new environment and modern civilization. Not all past research can be reliable in the future, that’s why it is important to continuously keep it updated.1.5 Scope of Study The scope of this study are consist of banks in Malaysia and will focus in major area which is in Klang Valley. These studies are based bank in Klang Valley Malaysia. The data is a primary data and will be gathered directly from customer at the area.CHAPTER TWO LITERATURE REVIEW2.0 Introduction Basically, in this chapter will briefly explain in detail regarding the previous researches that have been done on overall topics about the determinants of user acceptance of internet banking ; an empirical study Klang Valley in Malaysia. There are several arguments favors and against on this debating issues that had been discover through previous studies.2.1 Previous studiesLichtenstein and Williamson from Australian (2006)Used mass media theories through individual and focus group discussion to determine the decision of internet banking adoption. Findings showed that Australian older people with low income reported themselves were lack of awareness towards internet banking and its advantage, lack of internet lack of internet access and internet confidence, inadequate knowledge and support to use or initial setting up procedure, lack of trust, security and privacy risks were among the reasons of not using inter net banking services.Aktas and Topcu from Turkey (2010)Found that security and reliability were among the important factor that influences the adoption of internet banking. This followed by infrastructural competencies and user friendliness among respondents with accessibility to internet, aged 20 to 45, higher level of education and socioeconomic class. The study used Multi-criteria decision aid-based (MCDA-based).Suganthi and Balachandran from Malaysia (2001)Focused on the factors of accessibility, reluctance to changes, costs, trust in one’s bank, security concerns, convenience, ease of use through online survey that potentially influence internet banking adoption. The results revealed that there were positive significant relationships between accessibility, reluctance to changes and awareness with internet banking adoption.Chung and Payter from Malaysia (2002)Study the information, legal statement, order, ease of use, aesthetics effects, performance and others elements of bank that provide internet banking. The study found that a negative significant relationship between age and internet banking adoption among Klang Valley adopters. Monthly gross income and job position level had positive significant relationship with internet banking adoption among Klang Valley adopters. Further, there was no significant relationship between gender, marital status, ethnic group, level  of education with internet banking adoption.Khalil and Pearson from Malaysia (2007)Applied theory of diffusion of innovation (IDT) (Rogers, 1995) that focused on five key belief (relative advantage, compatibility, complexity, trial ability and obeservability) and trust (Mayers et al., 1995) to explore the intention to use internet banking among university students. The results of structural equation modeling showed that trust, relative advantage and trial ability significantly influence attitude. The attitude was play as moderator that influences intention to use technology that is internet banking.CHAPTER THREE DATA AND METHODOLOGY3.0 IntroductionThis chapter will focus on the method that will applied, where the procedures is clearly stated and defined. The data section clearly elaborate on the process of collecting data that needs to be obtained in order to perform the tests while the methodology section elaborates on the types of methods or tests that will be performed in order to determine the effective results.3.1 QuestionnaireData that used in this study is by using the number of 300 executive level peoples with a questionnaire investigation. This is based on the primary data that been collect and obtain by the executive level people in the area.3.2 Research Model and Hypotheses1. Perceived usefulness 2. Perceived ease of used 3. Perceived credibility3.3 Computer Self-EfficacyIn general, prior research has suggested a positive relationship between experience with computing technology and a variety of outcomes such as an affect towards computers and comp uter usage (Levin and Gordon, 1989; Harrison and Rainer, 1992; Agarwal and Prasad, 1999). A related construct, called computer self-efficacy, has been examined in the IS literature (e.g. Compeau and Higgins, 1995; Compeau et al., 1999; Hong et al., 2001). Computer self-efficacy is defined as the judgment of one’s ability to use a computer (Compeau and Higgins, 1995).3.4 Research Framework The research framework in this study provides a picture regarding the relationship between Computer Self-Efficiency, Perceived Usefulness, Perceived Ease of Use, and Perceived Credibility to Behavior Intention. The Computer Self- Efficacy is the main thing to develop to the three and becoming the Behavior Intention. The figure below will show the relationship of the variables.3.5 Research Model This section will briefly explain the research model and methodology related to this research on the determinant of user acceptance of internet banking : an imperial study Klang Valley in Malaysia. Th e research model will be used to find the relationship between the three factors and will achieved the objectives of this study.3.6 Method usedDescriptive statisticThe following definitions are vital in understanding descriptive statistics: C Variables are quantities or qualities that may assume any one of a set of values. Variables may be classified as nominal, ordinal, or interval. — Nominal variables use names, categories, or labels for qualitative values. Typical nominal variables include gender, ethnicity, job title, and so forth. — Ordinal variables, like nominal variables, are categorical variables. However, the order or rank of the categories is meaningful.For example, staff members may be asked to indicate their satisfaction with a training course on an ordinal scale ranging from â€Å"poor† to â€Å"excellent. † Such categories could be converted to a numerical scale for further analysis. — Interval variables are purely numeric variables. The nominal and ordinal variables noted above are discrete since they do not permit making statements about degree, e. g. , â€Å"Person A is three times more male than person B† or â€Å"Person A rated the course as five times more excellent than person B.†Interval variables are continuous, and the difference between values is both meaningful and allows statements about extent or degree. Income and age are interval variables. C Frequency distributions summarize and compress data by grouping them into classes and recording how many data points fall into each class. The frequency distribution is the foundation of descriptive statistics. It is a prerequisite for the various graphs used to display data and the basic statistics used to describe a data set, such as the mean, median, mode, variance, standard deviation, etc. (See the module on Frequency Distribution for more information.)C. Measures of Central Tendency indicate the middle and commonly occurring points in a d ata set. The three main measures of central tendency are discussed below. — Mean is the average, the most common measure of central tendency. The mean of a population is designated by the Greek letter mu (F). The mean of a sample is designated by the symbol x-bar (0). The mean may not always be the best measure of central tendency, especially if data are skewed. For example, average income is often misleading since those few individuals with extremely high incomes may raise the overall average.  Ã¢â‚¬â€ Median is the value in the middle of the data set when the measurements are arranged in order of magnitude.For example, if 11 individuals were weighed and their weights arranged in ascending or descending order, the sixth value is the median since five values fall both above and below the sixth value. Median family income is often used in statistics because this value represents the exact middle of the data better than the mean. Fifty percent of families would have incomes above or below the median. — Mode is the value occurring most often in the data.If the largest group of people in a sample measuring age were 25 years old, then 25 would be the mode. The mode is the least commonly used measure of central tendency, particularly in large data sets. However, the mode is still important for describing a data set, especially when more than one value occurs frequently. In this instance, the data would be described as bimodal or multimodal, depending on whether two or more values occur frequently in the data set. C Measures of Dispersion indicate how spread out the data are around the mean. Measures of dispersion are especially helpful when data are normally distributed, i.  e. closely resemble the bell curve.The most common measures of dispersion follow. — Variance is expressed as the sum of the squares of the differences between each observation and the mean, which quantity is then divided by the sample size. For populations, it is design ated by the square of the Greek letter sigma (F2 ). For samples, it is designated by the square of the letter s (s2). Since this is a quadratic expression, i. e. a number raised to the second power, variance is the second moment of statistics. Variance is used less frequently than standard deviation as a measure of dispersion.Variance can be used when we want to quickly compare the variability of two or more sets of interval data. In general, the higher the variance, the more spread out the data. — Standard deviation is expressed as the positive square root of the variance, i. e. F for populations and s for samples. It is the average difference between observed values and the mean. The standard deviation is used when expressing dispersion in the same units as the original measurements. It is used more commonly than the variance in expressing the degree to which data are spread out.Pearson product-moment correlation coefficientDefinition Pearson's correlation coefficient betwe en two variables is defined as the covariance of the two variables divided by the product of their standard deviations. The form of the definition involves a â€Å"product moment†, that is, the mean (the first moment about the origin) of the product of the mean-adjusted random variables; hence the modifier product-moment in the name. For a populationPearson's correlation coefficient when applied to a population is commonly represented by the Greek letter Ï  (rho) and may be referred to as the population correlation coefficient or the population Pearson correlation coefficient. The formula for Ï  is:For a sample Pearson's correlation coefficient when applied to a sample is commonly represented by the letter r and may be referred to as the sample correlation coefficient or the sample Pearson correlation coefficient. We can obtain a formula for r by substituting estimates of the covariances and variances based on a sample into the formula above. That formula forr is:An equiv alent expression gives the correlation coefficient as the mean of the products of the standard scores. Based on a sample of paired data (Xi, Yi), the sample Pearson correlation coefficient is where are the standard score, sample mean, and sample standard deviation, respectively. Mathematical properties The absolute value of both the sample and population Pearson correlation coefficients are less than or equal to 1.Correlations equal to 1 or -1 correspond to data points lying exactly on a line (in the case of the sample correlation), or to a bivariate distribution entirely supported on a line (in the case of the population correlation). The Pearson correlation coefficient is symmetric: corr(X,Y) = corr(Y,X). A key mathematical property of the Pearson correlation coefficient is that it is invariant (up to a sign) to separate changes in location and scale in the two variables.That is, we may transform X to a + bX and transform Y to c + dY, where a, b, c, and d are constants, without ch anging the correlation coefficient (this fact holds for both the population and sample Pearson correlation coefficients). Note that more general linear transformations do change the correlation: see a later section for an application of this. The Pearson correlation can be expressed in terms of uncentered moments.Since ÃŽ ¼X = E(X), ÏÆ'X2 = E[(X − E(X))2] = E(X2) − E2(X) and likewise for Y, and since the correlation can also be written as Alternative formulae for the sample Pearson correlation coefficient are also available: The above formula suggests a convenient single-pass algorithm for calculating sample correlations, but, depending on the numbers involved, it can sometimes be numerically unstable.Linear regressionIn linear regression, the model specification is that the dependent variable, is a linear combination of the parameters (but need not be linear in the independent variables). For example, in simple linear regression for modeling data points there is one in dependent variable: , and two parameters, and : straight line: (In multiple linear regression, there are several independent variables or functions of independent variables. ) Adding a term in xi2 to the preceding regression gives: parabola:This is still linear regression; although the expression on the right hand side is quadratic in the independent variable , it is linear in the parameters , and In both cases, is an error term and the subscript indexes a particular observation. Given a random sample from the population, we estimate the population parameters and obtain the sample linear regression model: The residual, , is the difference between the value of the dependent variable predicted by the model, and the true value of the dependent variable . One method of estimation is ordinary least squares.This method obtains parameter estimates that minimize the sum of squared residuals, SSE,[17][18] also sometimes denoted RSS: Minimization of this function results in a set of normal eq uations, a set of simultaneous linear equations in the parameters, which are solved to yield the parameter estimators, . Illustration of linear regression on a data set. In the case of simple regression, the formulas for the least squares estimates are where is the mean (average) of the values and is the mean of the values. See simple linear regression for a derivation of these formulas and a numerical example.Under the assumption that the population error term has a constant variance, the estimate of that variance is given by: This is called the mean square error (MSE) of the regression. The standard errors of the parameter estimates are given by Under the further assumption that the population error term is normally distributed, the researcher can use these estimated standard errors to create confidence intervals and conduct hypothesis tests about the population parameters.General linear modelIn the more general multiple regression model, there are p independent variables:  wher e xij is the ith observation on the jth independent variable, and where the first independent variable takes the value 1 for all i (so is the regression intercept). The least squares parameter estimates are obtained from p normal equations. The residual can be written as The normal equations are In matrix notation, the normal equations are written as where the ij element of X is xij, the i element of the column vector Y is yi, and the j element of is . Thus  X is nÃâ€"p, Y is nÃâ€"1, and is pÃâ€"1. The solution is For a derivation, see linear least squares, and for a numerical example, see linear regression (example).3.7 HypothesisThe null hypothesis of the study is developed to cater for the pooling regression model. The null hypotheses are: 1. (A) H01: Computer self-efficacy will not have a positive effect on perceived usefulness of the Internet banking systems. H11: Computer self-efficacy will have a positive effect on perceived usefulness of the Internet banking systems. (B ) H01: Computer self-efficacy will not have a positive effect on perceived ease of use of the Internet banking systems.H11: Computer self-efficacy will have a positive effect on perceived ease of  use of the Internet banking systems. (C) H01: Computer self-efficacy will not have a negative effect on perceived credibility of the Internet banking systems. H11: Computer self-efficacy will have a negative effect on perceived credibility of the Internet banking systems. 2. H02: Perceived ease of use will not have a positive effect on perceived usefulness of the Internet banking systems. H12: Perceived ease of use will have a positive effect on perceived usefulness of the Internet banking systems.3. H03: Perceived ease of use will not have a positive effect on perceived credibility of the Internet banking systems. H13: Perceived ease of use will have a positive effect on perceived credibility of the Internet banking systems. 4. H04: Perceived ease of use will not have a positive effect on behavioral intention to use the Internet banking systems. H14: Perceived ease of use will have a positive effect on behavioral intention to use the Internet banking systems.3. 8 Expected OutcomeUsing the technology acceptance model as a theoretical framework, this study introduced â€Å"perceived credibility† as a new TAM factor to reflect the user’s security and privacy concerns in the acceptance of Internet banking, and examined the effect of computer self-efficacy on the intention to use Internet banking. Provide evidence of the significant effects of the individual difference variable (i. e. computer self-efficacy) on behavioral intention through perceived ease of use, perceived usefulness, and perceived credibility.