Chinese Medicine

Chinese Medicine Introduction For over 2000 years, traditional Chinese medicine was the only medical therapy consisting of various forms of  herbal medicine,acupuncture,massage,exercise, and dietary therapy for treatment illnesses. With the arrival of the missionaries from the west, a new form of medical therapy which based on treatment using chemicals and surgery was introduced to China in the 19th century. This not only provided an alternative medical treatment for Chinese, it also brought in scientific, social and political upheavals to China in the 19th and 20th century. Medical Services in 19th Century China The first western medical service was introduced to Macau, a Portuguese’s colony at the time, by Rev Robert Morrison1 (1782-1834) in 1820. Interestingly, one of his objectives of his effort was to find out whether Chinese traditional herbal medicine would offer no additional healing for the Westerners. In 1828, a Christian surgeon, Dr Thomas Colledge2 (1796 – 1879) opened a hospital in Guangzhou with his belief of Christians had a duty to treat the sick people of China. By 1835, Dr Colledge cooperated with Dr Peter Parker (1804 1888), a Protestant medical missionary and foreign Christian residents in Guangzhou formed the Medical Missionary Society of China. The new hospital appealed to the locals despite their suspicious altitude towards foreigners’ intention. By 1840, the hospital had provided over 9,000 treatments to the local patients. By 1892, over 60 hospitals and 40 dispensaries were established by the missionaries. There were over 120 male and female western medical personnel plus a corps of trained native assistants to provide services for these facilities. The hospital annual report of 1895 stated that over half a million patients were treated and over 70,000 operations were performed. Before the Opium War, the hospital provided access of the missionary opportunity to contact locals who otherwise were not permitted to preach in public and are restricted to reside at the â€Å"Thirteen Hong† at Guangzhou. Some patients considered allowing foreign doctors to treatment gave a favour them, some did not accept the religion of their doctors, however, many patients converted to Christianity. The introduction of western medicine also raised the Chinese women social status. It was Chinese social custom to restrict men and women contact at the time. Hence, female patients were reluctant to be treated by male doctors. The missionaries therefore had to bring in female doctors from the west to provide treatment to female patients. Dr Mary H. Fulton (1854 – 1927), a female missionary doctor was sent by the Foreign Missions Board of the Presbyterian Church to found the first medical college foe woman, Hackett Medical College for Women in Guangzhou in 1902. By 1915, the college had 60 students; all became Christians at the influence of Dr Fulton. The college achieved its aim to spread Christianity and western medicine, as well as women social status in the Chinese society. Medical Services in Hong Kong In Hong Kong, a British colony at the time, Tung Wah Hospital3 was established in 1870 which was the first hospital in China providing Chinese medicine services in western hospital mode. By 1887, the first teaching institution, the Hong Kong College of Medicine for Chinese (the predecessor of the Faculty of medicine of theUniversity of Hong Kong)was established by the London Missionary Society. The new institution not only introduced breakthrough in the research and development of western medicine in China, it also brought the first graduate, Dr SUN Yat-sen4 (1866 1925), a Christian himself who led the Chinese Revolution and toppled the Qing Dynasty, to establish the Republic of China in 1911, profoundly changes the history of China. The Opium War The introduction of western medicine in China also changed the history of China. Opium5 which was found to be a good remedy for nervous disorders and its sedative and tranquilizing properties was also introduced into China by western surgeons. However, opium was also used by the British Government to balance their trade deficit with China. They grew opium in British India and sold it to China for exchange of silver. When the Emperor Daoguang of Qing Dynasty banned the smoking and trading of opium in 1838, the British began the First Opium War with the beginning of annexation of Hong Kong, opened up of ports and a series of unfair treaties with the subsequent turmoil in China for over 100 years. Recognising the additive and social destructive nature of the opium smoking, the missionaries raised against the trading of opium both in their home countries and in China6. They also set up clinic to provide medical service to opium smokers to kick off their addiction, hence providing more op portunity for them to preach Christianity. Conclusion Western medicine went hands in hand with missionaries from the west to preach and convert local into Christians. By doing so, it also changed the history of China, opened up the horizons of Chinese people, turned imperial China into a republic and profoundly affect the world, with its effect still felt today. References Starr J Barton â€Å"The Legacy of Robert Morrison†, International Bulletin of Missionary Research, April 1998 Fu L, â€Å"The protestant medical missions to China: Dr Thomas Richardson Colledge (1796-1879) and the founding of the Macao Ophthalmic Hospital†, Journal of Medical Biography 3Tung Wah Hospital website http://www.tungwah.org.hk/?content=314 4Britannica http://global.britannica.com/EBchecked/topic/573697/Sun-Yat-sen 5Allingham V. Philip, â€Å"England and China: The Opium Wars, 1839-60†, Victorian Web, Lakehead University 6Kathleen L. Lodwick, â€Å"Crusaders against Opium: Protestant Missionaries in China, 1874-1917†,Lexington: University Press of Kentucky, 1996 SECTION B Question1 Introduction There were several outbreaks of plague in the history which include the 1984 plague outbreak in Hong Kong and the pneumonic plague outbreak in Manchuria in 1910 – 1911. The 1984 plague was also known as the â€Å"black death† due to the black coloring of whole body before or after death, which is later being identified as the bubonic plague. The pneumonic plague is unique in which it was exclusively pneumonic (infection of the lungs). Patients who are infected with the pneumonic plague will present with coughing, often with hemoptysis (coughing up blood), headache, weakness etc. Although both diseases caused outbreak, different control and measures were done by the local government at that period. Control and measures in Hong Kong in 1894 The plague outbreak in Hong Kong was mainly associated with the poor sanitation and dense population of Hong Kong at that period. In order to cope with the outbreak of plague the British government did several measures in order to prevent the spread of the disease and to prevent new cases from emerging. This included forced disinfection of affected houses, rapid disposal of corpses, building of the Blake Garden to reduce population density and house to house searches for infected people. The infected will then be isolated on the hospital ship – Hygeia. But due to the non-reluctant response of the Chinese population, patients were later transferred to Kennedy Town glassworks which was converted for use as a temporary hospital. The government later built a Bacteriology institute with the recruitment of a bacteriologist, Dr. William Hunter to Hong Kong for the investigation of the cause of outbreak. Control and measures in Manchuria in 1910 – 1911 During the pneumonic plague outbreak, the cause of the disease could not be identified. So it was agreed that no cure for the pneumonic plague was available by that time1: the mortality was proved to be one hundred percent. Without antibiotic at that period, the only way to prevent the spread of the disease was quarantine and isolation. The Chinese were isolated into train cars for several days. They were not let out until no one displaying any sign or symptoms of pneumonic plague. If one plague case was identified, others in the car would be considered to have a poor prognosis. Because the location of outbreak was close to Japan and Russia, there was collaboration between countries for the control of disease2. In need of medical help from Russia and Japan, the Chinese government at that period sought help by calling for an international plague conference. While the etiology of the pneumonic plague was still being investigated, isolation was used as an effective method to prevent the spread of the disease. Autopsy was also done to investigate the cause of the disease3. In later stage, new bacteriological techniques such as culturing helped identifying the cause of the epidemic. Similarities and differences There are several similarities between the battle against pneumonic plague and the measures to control the plague in Hong Kong in 1894. Firstly, in both cases public health was introduced to the affected areas. In western medicine public health focuses on the surveillance and the prevention of disease. Isolation was used in both cases in order to prevent the spread and the deterioration of the disease. Different measures such as sanitation and rapid disposal of corpses in the 1894 plague in Hong Kong all refers to public health measures for the disease. This is important because by that time there was no way of treating both diseases, so public health became the only way to prevent the spread of the diseases and to control the epidemic. The treatment for plague(antibiotics) was not discovered in 1940s, about 30 years after the pneumonic plague. In addition, modern western medicine played a large role in coping with the outbreaks in both cases. In both cases a lot of modern western advanced sciences were used to investigate the diseases. For example, bacteriology culture and autopsy were used to investigate the cause of pneumonic plague whereas dissection of rats and bacteriology study were used in the 1894 plague. In comparison traditional Chinese medicine did not play a large role in either the prevention of the disease or the treatment of the disease. Moreover, investigations of the diseases were both done simultaneously with the measures and controls of the outbreaks. In other words, controls and measures like isolation were done before the identification of the cause of the disease in order to prevent the spread of the disease. One major difference of the control and measures between the two cases is the involvement of other countries in pneumonic plague. The coping of the pneumonic plague involved collaborations on the international level whereas the 1984 plague only involved isolated research without collaborations. This can be explained by the location of outbreak. As the outbreak of pneumonic plague may endanger the resident population in Russia and Japan, the two countries took part in the plague control. Whereas the 1894 plague happened in Hong Kong which will not affect other countries based on its location. Conclusion In conclusion the measures and control of the pneumonic plague and the 1894 plague outbreak in Hong Kong are similar in many ways. Both cases are very important as they show us the introduction of science and theory of western medicine such as public health into China at that period when the population knew little about western medicine. The idea of public health also helped saving a lot of people’s life at that period by preventing the spread of the disease. References: Richard Pearson Strong and the .urnal es:hat period by preventing the spread of the disease. of western medicine into China Hong Kong are similar in many wayManchurian Epidemic of Pneumonic Plague 1910 1911, Eli Chernin Oxford Journal, Mark Gamsa, The epidemic of pneumonic plague in Manchuria 1910-1911 3 Contagions The Great Pneumonic Plague of1910-1911: https://contagions.wordpress.com/2013/03/21/the-great-pneumonic-plague-of-1910-1911/

Research Analysis: Acceptance of Non-Abstinence Goals

Research Analysis: Acceptance of Non-Abstinence Goals Aaron Glogowski Dr. Michael E. Dunn Davis, A. K., Rosenberg H. (2013). Acceptance of Non-Abstinence Goals by Addiction Professionals in the United States. Psychology of Addictive Behaviors, 27(4), 1102-1109. doi: 10.1037/a0030563 Alan K. Davis and Harold Rosenberg have observed some formerly unexpected results from the use of drugs and alcohol recreationally. While the effects of excessive drug and alcohol use have been monitored and proven to be unsafe and unhealthy, recent studies have shown that a controlled use of them, otherwise referred to as non-abstinence, may bring several health benefits. Addiction professionals specializing in substance use disorders (SUD) are beginning to open their eyes to new alternatives of drug therapy for their patients. While many of these views are controversial among the professional world, many clinicians and doctors are starting to turn to the idea of non-abstinence in an attempt to help their patients more in the long term, by giving them short term goals that are easier for them to achieve. In this article, Davis and Rosenberg have catalogued their findings from a study that they conducted on the changing attitudes and ideals of professionals in many different clinical fields, in regards to the practice and implementation of non-abstinence. Davis and Rosenberg conducted their study based on previous surveys that they found that had been created to determine people’s opinions on the idea of non-abstinence. They asked the participants about how acceptable they thought it would be to administer a suggestion of non-abstinence to patients in eight different categories. They divided these categories based on the type of substance use disorder, as well as the severity of the problem and the intended final result from the practice. All of the survey respondents were then asked (using the eight categories from the previous question) to give a proportion of patients whom they had prescribed a non-abstinence procedure to. They gave proportions in increments of 25%, from none to 100%. After this, the participants were asked to rate its acceptability in different clinical settings. The survey was concluded with questions about the personal history of the respondents, such as their work environment, and whether or not they had any past history with substance abuse. The survey respondents were mostly Caucasian members of the National Association of Alcoholism and Drug Addiction Counselors, and over half of them had previous experience with a substance use disorder. The results appeared to be in favor of non-abstinence being used as a mid-term goal on the way to giving up drug abuse, however, only 32% of respondents said it was acceptable to use non-abstinence as an end-goal. When the issue came to alcohol abuse however, 51% agreed that non-abstinence was an acceptable end-goal. On the other hand, when it came to drug or alcohol dependence, far fewer participants agreed with non-abstinence as a procedure. The participants ranked non-abstinence acceptability for drug dependence as 27% for an intermediate procedure, and 15% for an end-goal. They found very similar results with alcohol dependence, at 28% and 16% respectively. No matter what type of drug or severity of the problem, Davis and Rosenberg’s participants seemed to disagree with non-abstinence more often than agree with it. At least half said that they would not consider non-abstinence as a procedure in any case, regardless of the situation. Most of the respondents who were against non-abstinence thought it was ineffective, or it did not agree with the treatment philosophy that they had laid out for themselves. Some other reasons why participants disagreed with non-abstinence included things such as a fear for a medical condition that a patient could have, or worries over the legality of the substance that was being used, or the context in which the patient would be using it (such as underage drinking, or drug use in a stressful work environment). Another key player in the determination of the acceptability of non-abstinence procedures was the environment in which professionals would be recommending the procedure. In both rehab and detoxification programs, the majority of survey participants found it to be a completely unacceptable treatment, with unacceptability ratings at 74% and 68% respectively. However, outpatient programs, DUI/DWI education programs, and independent practices saw significantly better results in terms of acceptability, with unacceptability ratings at 57%, 45%, and 28% respectively. Davis and Rosenberg also observed various characteristics of their respondents to determine whether there was any correlation between those factors and their acceptance of non-abstinence programs. They found that participants who had history with alcohol or drug related issues tended to disagree with non-abstinence programs more than those who had no history with drugs and alcohol, however, the variation was so small that it was deemed insignificant. In observing the results of their study, Davis and Rosenberg noticed some outside circumstances in relation to their topic of discussion. They realized in conducting the surveys that there was a possibility of bias, especially in regards to whether or not the addiction professional was willing to work with the client. They found that some professionals were simply unwilling to work with clients who were attempting to continue taking drugs or alcohol in moderation. These professionals were less likely to accept the possibility of non-abstinence treatments. These same professionals also accepted the fact that some of their clients may resort to non-abstinence procedures anyway, even if they didn’t prescribe or condone the procedure. Davis and Rosenberg’s study, when compared with previous studies on the subject, found that American addiction professionals had become more accepting of non-abstinence in terms of drinking than they had been 20 years prior. The amount of participants who rated non-abstinence as an acceptable mid-goal for alcohol abusers is twice as many as 20 years before their survey. Davis and Rosenberg claim that the increase in acceptance could be due to several factors, including an understanding of non-abstinence as a potential method for reducing long-term harm, and a reduction of total abstinence, or the 12-step program. Other regions still appear to be more accepting of non-abstinence in general, whether it is for a mid-goal or an end-goal. From previous studies, Rosenberg found that the United Kingdom had over an 80% acceptance rate of non-abstinence for alcohol abusers, and a 68% mid-goal as well as a 50% end-goal for alcohol dependence. Overall, even though America is slowly becoming more accepting of non-abstinence, they still have a long way to go before they reach the United Kingdom’s acceptance level. Davis and Rosenberg realize that their study may be skewed by outside factors, such as the study being a web-based study, or an inherent bias with the way that questions were asked. With regard to the outliers, Davis and Rosenberg conclude their study with notice for those practicing non-abstinence as it is becoming more common, especially in outpatient or independent practices. Everyday Use, Alice Walker | Symbolism And Characters: Everyday Use, Alice Walker | Symbolism And Characters: In the story Everyday Use, Alice Walker uses a detailed description to help describe the symbolism of the unique and highly valued quilts, as well as, contrasting the characters throughout the story. The quilts stand as a specific symbol and as more than just a creative piece of artwork throughout the story. According to an article written by Sam Whitsitt, the quilt, itself, represents the history and tradition that binds the African culture to the past and the past to the present (Whitsitt, 445). The quilts helps portray the theme of African American heritage throughout the story and binds Mamas ancestors and her heritage altogether. The quilts signify the bond between each generation and the impact they have on each main character in the story, which include Mama, Dee and Maggie. Walkers usage of the quilts throughout the story also helps demonstrate the differences between each of the characters. The quilts are the main focus in the story that brings out the characters true person alities and shows the differences in those personalities. Throughout the story Everyday Use by Alice Walker, the quilts help portray the unique cultural symbolism of the African culture and the way they view quilting, as well as, illustrating the differences of the main characters in the story. In the story, quilting is used as a symbol to signify the African American past. The quilts are a primary symbol that stands for the ties of heritage and the distinctive culture of Mamas family. According to an article written by Claudia Tate, Barbara T. Christian, the person who showcases the corpus of Walkers works and the traditions of African-American literature, explains that Walker articulates the metaphor of quilting to represent the creative legacy that African Americans have inherited from their maternal ancestors (Tate, 308). Quilting is part of the African American past and travels from generation to generation. According to an article written by David Cowart, the quilt that Dee, or Wangero Leewanika Kemanjo, fights over links her generation to previous generations and, therefore, the quilt is shown to represent the African American past (Cowart, 171). There are many types of unique patterns in the quilts that Mama and Dee are disputing over. According to Whitsitts article , many African American quilters employ large, often abstract designs, the use of these different designs shows the uniqueness of the quilt (Whitsitt, 454). The patterns in the quilts represent the African American past and Mamas heritage. In both of them were scraps of dresses Grandma Dee had worn fifty and more years ago. Bits and pieces of Grandpa Jattells Paisley shirts. And one teeny faded blue piece, about the size of a penny matchbox, that was from Great Grandpa Ezras uniform that he wore in the Civil War (Walker, 113). The use of these different types of patterns in the quilts symbolizes the history of Mamas family and the creativeness they had. The precious materials used in making the quilts represent the culture and the high value they each contain. The fabric that is used in the making of the quilts shows Mamas unique culture and the love her family has for their culture. The work Mama, Grandma Dee, and Big Dee put into the quilts show their strong African American herit age and background. In the African American culture many quilts travel from generation to generation to show ones familys culture and where they came from (Cowart, 171). The quilts Dee and Mama are fighting over are to be traveled from generation to generation, also, to help keep the culture alive. The quilts play a major role in the family because of the prestigious heritage they each contain. They help show the distinctive African heritage and special cultural symbolism. The quilt ties everything, heritage included, together. As the quilts are passed down the familys history and culture is past down, also, which makes the quilts play a special role in the African American culture. The quilts made by Mama, Grandma Dee and Big Dee are not only used as a symbol throughout the story but are shown as objects that the African American culture keeps in reserve because of the value the they contain (Whitsitt, 455). The quilts contain a historic value because of the creativeness that was put into making them. As Patricia Mainardi notes in Whitsitts article, many inhabitants of the African culture who make the quilts sign them and date them to show the high value they contain and also put a list in their will of who should inherit the quilts they make once they pass away (Whitsitt, 455). The quilts have a specific value and are treated with much care because of the strong culture they uphold. Throughout the story Mama and Maggie distinguish the quilts as more than just a piece of artwork, instead they see them as something to treasure in remembrance of loved ones. According to Whitsitts article, the quilt represents those values of things which do not circulate, do not wander, do not gel traded or sold but, rather, stay at home (Whitsitt, 454). They value them because the quilts remind them of their beloved relatives, such as Grandma Dee and Big Dee. The quilts portray a high value throughout the story and because of this high value Mama promises the quilt to Maggie for when she marries (Whitsitt, 455). Mama wants to give Maggie the quilts because of the history they each contain and because Mama wants the quilts to be utilized in everyday use. If the quilts were to be hung on the wall, like Dee wanted to do to preserve the African American heritage, then the true culture wouldnt be shown. On the other hand, if the quilt was put to everyday use, like Maggie would do with the quilt, then the African heritage would be shown and kept alive because it was being put to use. Mama wants to give Maggie the quilts for that reason. Mama knows Maggie will preserve the quilts and put them to everyday use to remember her ancestors and their families history and culture. Throughout the story the quilt not only shows symbolism and value but also helps in contrasting each character. According to the article by Susan Farrell, Dee is seen throughout the story as shallow, condescending, and manipulative, as well as, overly concerned with style, fashion, and aesthetics, and thus as lacking a true understanding of her heritage (Farrell, 179). Mama remembers Dee as a fearless girl who, unlike herself, would always look anyone in the eyes. Hesitation was not part of her nature (Farrell, 181). Dee is seen throughout the story as very different then Mama and Maggie because she is very selfish and demanding (Farrell, 181). Maggie, on the other hand, was the complete opposite of her sister. Maggie, throughout the story, was seen as the quiet and timid child with no characteristics that related to her sister. In Farrells article, she states that most readers see Mama and Maggie as having a true sense of heritage as opposed to Dees false or shallow understanding of the past (Farrell, 183). Mama and Maggie are seen throughout the story as wanting to cherish their heritage by keeping the quilts to use, as well as, to remember loved ones. Dee, on the other hand, sees the quilts as something that should be kept in reserve and to hang on the wall as a unique piece of artwork. Maggies moderation in the story contrasts with Dees courage (Farrell, 183). When Dee says that Maggie would ruin the quilts by putting them to everyday use, and that hanging the quilts would be the only way to preserve them, Maggie, like somebody used to never winning anything, or having anything reserved for her, meekly replies: She can have them, Mama, I can member Grandma Dee without the quilts(Farrell, 183-184). Once this occurs, Mama acts in a different manner than she has before. She sees Maggie standing with her hands hidden in her skirt and says: When I looked at her like that something hit me in the top of my head and ran down to the soles of my feet. Just like when Im in church and the spirit of God touches me and I get happy and shout (Farrell, 184). This powerful feeling causes Mama to do something she never had done before; she snatched the quilts out of Dees hands and dumped them into Maggies lap(Farrell, 184). This scene in the story is the only part where Mama acts differently than before. Instead of acting like the patient Maggie, Mama begins to act more like Dee, with her refusal to back down and her motivation to stand up for herself (Farrell, 184). The quilt in the story acts as a way to contrast the characters and show their different personalities. Throughout the story, the quilts symbolize and show the value of the African American culture, as well as, acting in a way to show the differences between the main characters in Everyday Use. The quilts play a major role in Everyday Use and are mentioned throughout the entire story. The quilts have an impact on each character throughout the story, and they help in contrasting each character and showing symbolism of the African American culture. The mentioning of the quilts display the importance of the African American heritage and the true value it has on Mama, Maggie, and Dee. Dee is shown wanting the quilts to just hang on the wall and show their unique culture from afar. In actuality, the quilt is shown as a symbol of the African American heritage and importance of remembering loved ones. The remembrance of Mamas ancestors will also be preserved forever with the use of the quilt in everyday life. The values of the quilts are shown as a way to remember the loved ones who helped in the making of them and also of Mamas ancestors. The quilts portray the unique cultural bond between Mamas ancestors and her heritage. The quilt binds Mamas ancestors and the value of her heritage together and shows the impact the quilt has on her, Maggie and Dee. The quilt brings out the diverse personalities of Mama, Maggie and Dee throughout the story and the different views they have on their heritage, as well as, the actions they each take. With the usage of the quilts, the distinction between each character is shown, as well as, the unique cultural symbolism throughout the entire story.

Social Sciences In Theatre :: essays research papers

Social Sciences in Theatre How are the social sciences associated with theatre?   Ã‚  Ã‚  Ã‚  Ã‚  In his article â€Å"Performance Studies†, Helbo identifies many social sciences associated with theatre including psychology, sociology, and semiotics. Psychology, he states, has greatly increased the work of the actor by giving him a tool to examine his character or role in greater depth. Psychology has also affected the spectator by creating a release and even a form of therapy. Sociology is used in theatre to determine the cultural politics involved, the link between demand patterns and economic patterns, and the role of theatre in everyday life. Semiotics plays a vital role in theatre by determining how signs, whether they are speech pattern or facial expression, affect the audience.   Ã‚  Ã‚  Ã‚  Ã‚  Schechner focuses solely on anthropology and its use in theatre. Schechner even goes so far as to define theatre anthropology. It is defined as â€Å"the study of the biological and cultural behavior of man in a theatrical situation.† He writes that anthropology and theatre have no definite boundary and uses anthropology to show theatrical aspects in everyday life, which brings one to ask the second question. How do the social sciences show theatre used in everyday life?   Ã‚  Ã‚  Ã‚  Ã‚   Helbo uses sociology and biology to site instances through which theatre is used in everyday life. Sociologists see theatre in the social structures we face on a daily basis. A handshake, tipping a doorman and even the forbidden middle finger is what Erving Goffman terms â€Å"rituals of interaction.† Every culture is immersed in some aspect of performance, even biologists can see theatre in everyday occurrences. The biologist Laborit sees behavioral functions associated with theatre as liberating. Social Sciences In Theatre :: essays research papers Social Sciences in Theatre How are the social sciences associated with theatre?   Ã‚  Ã‚  Ã‚  Ã‚  In his article â€Å"Performance Studies†, Helbo identifies many social sciences associated with theatre including psychology, sociology, and semiotics. Psychology, he states, has greatly increased the work of the actor by giving him a tool to examine his character or role in greater depth. Psychology has also affected the spectator by creating a release and even a form of therapy. Sociology is used in theatre to determine the cultural politics involved, the link between demand patterns and economic patterns, and the role of theatre in everyday life. Semiotics plays a vital role in theatre by determining how signs, whether they are speech pattern or facial expression, affect the audience.   Ã‚  Ã‚  Ã‚  Ã‚  Schechner focuses solely on anthropology and its use in theatre. Schechner even goes so far as to define theatre anthropology. It is defined as â€Å"the study of the biological and cultural behavior of man in a theatrical situation.† He writes that anthropology and theatre have no definite boundary and uses anthropology to show theatrical aspects in everyday life, which brings one to ask the second question. How do the social sciences show theatre used in everyday life?   Ã‚  Ã‚  Ã‚  Ã‚   Helbo uses sociology and biology to site instances through which theatre is used in everyday life. Sociologists see theatre in the social structures we face on a daily basis. A handshake, tipping a doorman and even the forbidden middle finger is what Erving Goffman terms â€Å"rituals of interaction.† Every culture is immersed in some aspect of performance, even biologists can see theatre in everyday occurrences. The biologist Laborit sees behavioral functions associated with theatre as liberating.

Essay on The Holy Bible - Dionysus and Genisis God :: Holy Bible Genesis Essays

Dionysus and Genisis God  Ã‚  Ã‚      Every individual has his/her own view of a divine power. It appears that each different culture looks at its’ higher being in a different way.   Texts and myths are used by each culture to explain its god or gods or even goddesses.   Genesis, from the Bible, shows the many characteristics of the Christian God, as does Euripides' The Bacchae of Dionysus.   The two separate Gods are shown to illustrate very similar human characteristics; however, they differ by their godly attributes and their effect on how women are viewed in today's society.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The Christian God, as described in Genesis, possesses some common human characteristics. The Greek God of all that is emotional, Dionysus, is depicted in The Bacchae to have those same human emotions. Both Gods portray a very common human emotion: need. The Genesis God wants to be the only God that the people belief in; he is needy in receiving recognition for being the only God. Dionysus has a very similar conflict. The entire play deals with Dionysus testing the Theban women of their sincere devotion and belief for him. While Dionysus struggles to be recognized as a true God, the Christian God is struggling to be recognized as the only God. Both Gods possess this very human emotion that we call need; both are in desperate search for recognition and acceptance.   Another human emotion that can be found in both Gods is authority and wrath. The Biblical God punishes Adam and Eve severely when they eat from the Tree of Forbidden Fruit. He uses his godly authority and sends them out of Paradise. Dionysus portrays that same angry emotion; he gets angered so easily when someone refuses to belief in him. Need and wrath are very human emotions that the Christian God and Dionysus experience.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The attributes and power that each God has is a major difference between the depiction of the God in Genesis and the Dionysus from The Bacchae. Genesis tells of the story of how God created the earth, and how he made the animals, man and woman. This God is shown to have the power to do anything in his will. He is the one and only true God.   Dionysus does not possess that kind of power. Essay on The Holy Bible - Dionysus and Genisis God :: Holy Bible Genesis Essays Dionysus and Genisis God  Ã‚  Ã‚      Every individual has his/her own view of a divine power. It appears that each different culture looks at its’ higher being in a different way.   Texts and myths are used by each culture to explain its god or gods or even goddesses.   Genesis, from the Bible, shows the many characteristics of the Christian God, as does Euripides' The Bacchae of Dionysus.   The two separate Gods are shown to illustrate very similar human characteristics; however, they differ by their godly attributes and their effect on how women are viewed in today's society.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The Christian God, as described in Genesis, possesses some common human characteristics. The Greek God of all that is emotional, Dionysus, is depicted in The Bacchae to have those same human emotions. Both Gods portray a very common human emotion: need. The Genesis God wants to be the only God that the people belief in; he is needy in receiving recognition for being the only God. Dionysus has a very similar conflict. The entire play deals with Dionysus testing the Theban women of their sincere devotion and belief for him. While Dionysus struggles to be recognized as a true God, the Christian God is struggling to be recognized as the only God. Both Gods possess this very human emotion that we call need; both are in desperate search for recognition and acceptance.   Another human emotion that can be found in both Gods is authority and wrath. The Biblical God punishes Adam and Eve severely when they eat from the Tree of Forbidden Fruit. He uses his godly authority and sends them out of Paradise. Dionysus portrays that same angry emotion; he gets angered so easily when someone refuses to belief in him. Need and wrath are very human emotions that the Christian God and Dionysus experience.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The attributes and power that each God has is a major difference between the depiction of the God in Genesis and the Dionysus from The Bacchae. Genesis tells of the story of how God created the earth, and how he made the animals, man and woman. This God is shown to have the power to do anything in his will. He is the one and only true God.   Dionysus does not possess that kind of power.

Nasty and unsightly Essay

This segregation can be deeply felt by the reader and is very emotive. During the last extract there are a number of reasons why the audience would feel sorry for the monster. The eloquent and expressive nature of the language he uses show the reader that inside he is a beautiful being. â€Å"I shall no longer see the sun or stars, or feel the winds play on my cheeks. † The things that he will most miss are the sun and stars. These natural things are what he finds most enjoyable. The metaphor of the wind playing on his cheeks gives the reader a sense of his intelligent language but also his gentleness. Unlike Frankenstein the monster also blames himself for what has happened. â€Å"But it is true that I am a wretch† This sentence shows that the monster has acknowledged what he has done but also creates empathy with the audience, the word shows that he doesn’t think much of himself. A wretch is often something very nasty and unsightly. How do you think Shelley feels about him? scientists were unconcerned by the potential consequences of their work Shelley’s opinions on different matters are clear throughout the novel. The way that scientists were trying to push boundaries is explored. Shelley’s view is obvious. She believes that scientists were unconcerned by the potential consequences of their work. Nothing must be able to go ahead without the full knowledge that it is safe. I believe that she uses the monster as a metaphor for this. Frankenstein had not taken enough time to way up the consequences of what might happen and the monster was â€Å"born†. Prejudice is a strong theme right through the novel. Shelley uses the monster to portray her thoughts about prejudice. She uses two extremes. She creates the monster’s appearance to be revolting whilst his personality is smart, imaginative and elegant. During the story the only people who get to talk and interact with the monster are the blind people and Walton. These are also the only people he gets speak to in depth. This shows that once people can interact with him and get passed the way he looks it doesn’t matter. The blind people speak to him because they cannot see what he looks like. Walton, even though he originally sets out to kill the monster begins to feel sympathy for the monster. Shelley obviously believes that people are too narrow-minded to look further into someone before judging them. Another major theme of the story is that of parent/child relationships. Shelley uses Frankenstein as the parent figure to the monster to explore the act of neglect upon a child. Mary’s mother died shortly after she was born. Once the monster is â€Å"born† Frankenstein’s vision of an amazing super-being vanishes and he sees the ugliness of what he has created. This may be a belief of Shelley. How mothers have a great vision of their baby and nurturing it and bringing it up but when the baby is actually born the mother is hit by the realisation of bringing up a child. The mother then chooses to neglect the child. Shelley then looks at what affect neglect can have on the child. The evil which engulfs the monster is directed at Frankenstein as a result of his neglect. I believe that Shelley sympathises with Frankenstein but more with the monster. I believe that Shelley relates to the monster as she felt neglected by her mother, although she died. I believe that she structures the book in a way that portrays this. She gives the reader the most of the book to sympathise with Frankenstein and only allows a smaller part in which the reader can gain sympathy for the monster. However she believes that the monster’s grief is far worse than Frankenstein’s so that even less amount of time novel the reader still feels a greater amount of sympathy for the monster. I too feel compassion toward monster. I believe that someone’s abuse on the grounds of their appearance is wrong. Everybody should be allowed to express themselves to others and be given the chance to be understood. I also believe that most sympathy falls to Frankenstein because it was not his fault, Frankenstein created him and also neglected him. In my opinion although the monster carried out the murders the reason he did was Frankenstein. Not only did he create him without thinking of the possible consequences he also abandoned him and this caused the monster to become evil as a result of his torment. This can be linked back to the philosophy that people were born good. The monsters experience of society has moulded him into something which causes great havoc but truly, inside, he is good. Show preview only The above preview is unformatted text This student written piece of work is one of many that can be found in our GCSE Mary Shelley section.

Economic development Essay

Today, education is the most important tool for the development of society. There is a direct correlation between education and development of society. The countries that realize this fact, giving the required importance for their education system, have become highly developed. Education should be promoted since it is the most important factor for the development of a country. The promotion of the education is depended on the factors like literacy rate in a country, schooling rate in the primary, secondary and higher education, proliferation of training technologies, and the quality of the education. This promotion process should be considered as a necessary condition for economic, technological and social development for a nation. In other words, the process of a successful development depends on the fact of gibing the society a conscious of change which is highly connected to education. Fist of all, education enlightens people. The educated person is the person who improves oneself. A person increases her/his level of knowledge through education, so he/she has a better understanding and analyzing of daily matters and an agenda. That person can make logical deductions based on the knowledge he gains and refuses the traditional corrupted understanding. Individual’s ability of the interpretation of knowledge through one’s intelligence and skills is supported by education; accordingly, increasing the creativity and intellectual thinking. An individual can learn about different cultures, lifestyles and history from past to present; hence education provides universal perspective to an individual. The most important differential of uneducated person is having a narrow point of view. A person should be educated in order to learn taking objective decisions and being liberated from the social pressure. Besides, educated people respect the rights of others and they have a fair understanding of the concept of equality, right to life, and right to property. The reason why developed countries show highly respect to the individual rights is that the education level of the country is being fairly high. On the other hand, the reason why there are deep inequalities between women and men or rich and poor in under-developed countries is that the education level in there is being fairly low. Besides, there is also a lack of respect to the human rights in these under-developed countries due to low education level. Secondly, education affects the development of science and technology of a country. Technological developments increase by knowledge and research which is provided by education. It is the advancement and proliferation of technology that makes countries developing by the production of knowledge, schooling of creative minds leads countries develop economically, technologically and politically. Education, advancement of technology and development are in a circle movement which produces itself. Cakmak also says that as a result of the creation of science and technology, mobility of scientific knowledge, and nurturing of individuals with creative minds, countries have experienced important economic and political changes which lead to infinitive competition among them in the fields of education, development and innovation (Cakmak O. 2008). In addition, developed countries use technology as a part of their education system. Thus, every student can follow technology and learn about the newest advancements which lead them learn better and improve their intelligence. Finally, education leads knowledge turn into money that improves the economy of a country. Educated people knowing to learn how to invest, produce, expand the business adjusts and improves the economy causing the increase of gross domestic product per capita. Education also gives more job opportunities to people in the business sector. According to OECD, the effect of education to the economic development is proved in the researches of economic growth in 1960s. The researches show that contribution of education to the economic growths is really important and this percentage differs as %7 in England, %15 in USA, %14 in Belgium, %16 in Argentina, and %25 in Canada (OECD, 2005). Some may argue that education does not affect the economic development of a country. There are lots of uneducated but successful business men. People can learn how to run a business without an education. To illustrate, â€Å"Sak? p Sabanc? , who is the founder and chairman of the Sabanc? Holding due to the reason suffering from pneumonia three successive years, had to leave the high school and start to work in BOSSA Flour Factory in 1950 with a wage of 50 TL† (NTV Haber). Considering his life, it is obvious that one can learn how to run a business without education. Hence, it is not only education but also experience that makes one successful in business. All in all, economic, social and technologic development of a country is highly related to the education level of that country. Without education, a country can not develop. The only way of individual’s enlighten and learning to use knowledge, and increase of technology is education. Thus, education should be promoted since it is the most important factor for the development of a country. Oznur Sakar.

Impact of Electronic Banking System Essay

1.0Background of the Study The new millennium brought with it new possibilities in term of information access and availability, simultaneously, introducing new challenges in projecting sensitive information from some eyes, whiles making it available to others. Today’s business environment is extremely dynamic and experience rapid changes as a result of technological improvement, increased awareness and demands Banks to serve their customers electronically. Bank have traditionally been in the forefront of harnessing technology to improve their products and services. The Banking industry of the 21st century operates in a complex and competitive environment characterized by these changing conditions and highly unpredictable economic climate. Information and communication Technology (ICT) is at the centre of this global change curve of Electronic Banking system in Nigeria today (Stevens 2002). Assert that they have over the times been using electronic and telecommunications networks for delivering a side ra nge of value added products and services, managers in Banking industry in Nigeria cannot ignore information system because they play a critical impact in current Banking system, they point out that the entire cash flow of most fortune Bank are linked to information system. The application of information and communication technology concepts, techniques, policies and implementation strategies to Banking services has become a subject of fundamental importance and concerns to all Banks and indeed a prerequisite for local and global competitiveness Banking. The Advertisement in Technology has played on important role in improving service delivery standards in the Banking industry. In its simplest form. Automated Teller Machine (ATM) and deposit machines now allow consumer carry out banking transactions beyond banking hours. With online with banking individual can check their account balances and make payments without having to go to the bank hall. This is gradually creating a cashless s ociety where ADOPTION OF NEW NOMENCIATURE Following the impressive performance of the subsidiaries, a management retreat was held in February, 2009 where it was agreed that unity Bank and its compendium of subsidiaries be adopt an intergrated Group Structure. Therefore, unity Bank Plc and its subsidiaries will adopt a new nomenclature that includes â€Å"Group†. This is now ‘UNITY BANK GROUP’. The members of this Group include SUBSIDIARIES (1) Unity Capital Trust Limited (2) Caranda Management Services LTD (3) Consumers no longer have to pay for all their purchase with hand cash. For example:1 Bank customer can pay for airline tickers and subscribe to initial public offerings by transferring the money directly from their accounts, or pay for various goods and services by electronics transfer of credit to the sellers Account. As most people introduced mobile banking to cater for customers who are always on the move. Mobile banking allows individual to check their account balances and make fund transfers using their mobile phones. This was populated by first Atlantic Bank(now First Inland Bank) through its â€Å"flash me cash† product customers can also recharge their mobile phones Via Sms. E- Banking has made banking transaction easier around the world and it is fast gaining acceptance in Nigeria. The delivery channels today in Nigeria electronic Banking are quite numerous as it is mentioned Automatic Teller Machine (ATM), point of sales (POS), Telephone Banking Smart cards internet Banking etc personal computers in the Banking industry was first introduced into Nigeria by Society General Bank as the popular PC easy access to the internet and world wide web (WWW) and internet is increasingly used by Bank’s as a channel of delivering the products and services to the numerous customers. Virtually almost all Banks in Nigeria have a web presence: this form of Banking is referred to as internet Banking which is generally part of Electronic Banking. The delivery of products by bank on public domain is an indication of advertisement which is known as E- Commerce. Electronic commerce on the other hand is a general term for any type of business or commercial transaction, it involve the transfer of information across the internet. E- Commerce involve individuals and business organization exchanging business information and instructions our electronic media using computers, telephones and other communication equipments. This covers a range of different types of business from consumers to retails products. However Electronic banking as it is a product of E- Commerce in the field of banking and financial services. It’s offers different online services like balance enquiry, request for cheque. 1.1 Book Recording Stop Payment Instructions Balance Transfer Instructions, Account Opening and other form of traditional banking services. The internet allows businesses to use information more efficiency by allowing customers, suppliers, employers and partners to get access to the business information they need when they need it. These internet enabled services all translate to scale and increased efficiency. E- Banking greatest promise is timelier, more valuable information accessible to more people at reduced cost of information access with the changes in business operations as a result of the internet era, security concern move from computer labs to the front page of newspaper. The promise of E- Banking is offset by the security challenges associated with the disintermediation of data access. One security challenge results from â€Å"cutting out the middlemen† that too often cuts out the information security the middleman provides. Another is the expansion of the user community from small group of known vetted users accessing data from the intact to thousands of users accessing data from the internet. Application service providers (ASP) and exchanges offer especially stringent – and sometimes contradictory – requirements of per user and per customer security while allowing secure data sharing among communications of interest. E- Banking depends on providing customers partners and employees with access to information in a way that is controlled and secure. Technology must provide security to meet the challenges encountered by E- Banking. Virtually all software and hardware ventures claim to build secure products but what assurance does an E- Banking have of a products security? E- Banking want a clear answer to the conflicting security claims they hear from vendors. How can you be confident about the security built into a product independent security evaluations against internationally established security criteria provide assurance of vendors security claims. Customer expectation in term of service delivery and other key factors have increased dramatically in recent years, as a result of the promise and delivery of the internet. Even after athe â€Å"dot-comcrash† these raised expectations linger The growth in the application and acceptance of internet – driven is more achievable than ever before, however it is also more complex and fraught with potential costs and risk. The internet introduces customers to a new perception of business time as always â€Å"on available 24/7 and demanding an urgent and rapid response† The challenges for managers is to reconcile their business and their own personal perceptions of time with perceived reality of internet time. The internet has decisively shifted the balance of power to the customer. The internet is revolutionizing sales techniques and perceptions of leading brands and the internet is intensifying competition in all its forms. Banking are continuing to use the internet to add values for their customers but in order for this to work effectively maximizing opportunities reducing risks and overcoming problems an E- Banking strategy is required as an impact. The growth of the web and internet as new channels the growth in their use by customers and the flows of companies entering the market presents a series of key challenges to companies. It is easy and cheap to put up a website. But to create an environment delivering effective service on the web to a significant proportion of your customers base requires an E-Banking strategy. Electronics banking offers different online service like balance enquiry, request for cheque books, recording stop payment instructions, balance transfer instructions, account opening and other form of transitional banking services. 1.2Statement of the Problem In Nigeria, Customers of banks today are no longer worried about safety of their funds and increased returns on their investments but rather demand efficient fast and convenient service. Customers want a bank that will offers them services that will meet their particular needs (persionalized banking) and support their business goods for instance ; businessmen want to travel carryout cash for security reason they want to be able to check their balance online find out if a cheque is cleard transfer funds among accounts and even want to download transaction record into their own computer at work or home. Customers want a preferential treatment and full attention by their choice bank. All those are only achievable through electronic banking In line with rendering qualities and acceptable services that most bank in Nigeria are gearing toward and investing large sum of money in information and communication technology. Expectedly such banks services have been improved. United Bank for Africa (UBA), Zenith Bank, ( to mention view) are in the forefront in the use of IT in rendering services to their customers the Guardian News paper April 18, 200 & 21). It also 12 seeks the challenges involved in electronics banking and best industrial practices and the approach of implementing them in Nigeria system. 1.3Objective of the study The main objectives of the research work is to examine the impact of electronic banking in Nigeria banking system channels as well as different that could enhance the delivery of consumers and retails products, and also how bank choose to support their electronic banking component services internally, such as internet services provider internet banking software, core banking vendor, managed security services provider, bill payment provider, credit business and credit scoring company Specifically the study objective are;- 1 To evaluate the prospects electronic Banking in Unity bank plc 2 To evaluate the impact of electronic banking in Unity Bank plc 3 To examine the effect of electronic banking has it improve the fortune of the bank. 1.4Statement of Research Questions Since the release by CBN, August 2003 and the subsequent policy on the guideline of electronic banking system in Nigeria One of the question that is currently being addressed is the impact of electronic banking on the traditional banking player, there are two view that are prevalent in the market. The controversies that the internet is a revolution that will sweap away the orders, argument in are as follow Electronic banking transaction are much cheaper than the branch transactions. Banks are easy to set up with lots of new entrants. Deposits will go elsewhere because these banks will have to fight to regain their customer base There would be increase in their cost of funds making businesses less viable. Portal providers are likely to attract the most significant share of banking profits. Traditional banks will find it difficult to evolve; they will be unable to obtain additional capital from stock market. E- banking as an evolution than a revolution. 1.5Research Hypothesis The following hypothesis are formulated in null form to guide study; 1 HO; Electronic banking does not have prospect in Unity bank plc HI; Electronic banking has prospect in Unity bank plc 2 HU; Electronic banking has not impact on Unity Banks plc 3 HO2; Electronic baking has impact on Unity bank plc H3; Adoption of electronic banking enhance the fortune of Unity banks pls. 4. H4; Electronic banking does not improve bank customer’s relationship 5.Ho; the bank electronic banking guidelines does not comply with the CBN electronic banking guidelines. HU; the Bank electronic banking guidelines complies with the CBN electronic bank guidelines. 1.6Significant of the Study The study would enable the bank executives and indeed the policy makers of the bank and financial institution to be aware of electronic banking as a product of electronic banking with a view to making strategic decision. The research is equally significant because it would provide answer to electronic banking in Unity bank Plc. 1.7 Scope of the Study In pursuance of the objective of the study, attention shall be focused on electronic banking among other electronic commerce empirical investigation into the adoption of electronic banking in Nigeria and will also examine the nature of electronic banking operation in Unity Bank Plc from 2007 to 2009,. 1.8Limitation of the Study In view of the technicalities involved. It would be unrealistic to assume that all necessary facts have been gathered in the process of the study information gathered is limited to those accesses and made available by the respondents and those gathered from end users However the impacts of this limitation will be reduced to the barest minimum. 1.9Definition of Related Team 1.Access product – product that5 allow consumers to traditional payment instrument electronically, generally from remote locations. 2.ATM card – UB debit card is a chip device consisting of circuit element on single silicon chip The card a complex circuits that process micro processor with a single chip that contains the complete arithmetic aid logic unity of computers. 3.Chip card A card knows as an integrated circuit (IC) card. A card containing one more computer chip or special purpose processing used to validate personal identification. 4. Smart card – A card with a computer chip embedded on which financial health education and security information can be stored and processed. 5.Western Union Money Transfer (WUMT) is a product that allowed people with relatives in Diaspora who may be remitting money home for family up keep, project financing school fess etc Nigeria communities known for having their siblings gainfully employed in other parts of the world are idle market for Western Union Money Transfer. CHAPTER TWO 2.0.LITERATURE REVIEW 2.1 HISTORICAL BACKGROUND OF CASE STUDY Brief Profile of Unity Bank Plc Unity Bank Plc is one of the leading retail in Nigeria which emerged from the lagest merger and consolidation of Nine Banks intercity Bank, First interstate, Tropical Commercial pacific Centre point, NNB Bank of the North and New Africa Bank Limited and spearheaded in investment banking corporate and retail banking came together in January 2006 to from Unity Bank Plc. It has 284 business officers spread across the country and working to increase this number in the nearest future. Unity Bank is the sixth largest Bank in Nigeria today by business locations. The Head Office is located at plot 785, Herbert MacaulayWay, Central Business District, Abuja While the Head Office Annex is at No. 290, Akin Olugbade Street, Victoria Island, Lagos. The Mission of the Bank is to create superior wealth for our stakeholders and The Vision is to be one of the top Five financial service institutions in Nigeria by 2013. Vision Drive Strategic Objectives (a) Financial * Attain a set minimum balance sheet size with respect to Asset size and profitable by the year 2013. This is referred to as 5-in-5 taking it from 2008 to 2013. * Achieve Industry Top 5 position in rate of return on Equity * Achieve Industry Top 5 ration of income to cost (b) Customer * Build a superior customer service environment within Unity Bank (c) Technology * Significantly improve Technology leverage within the Bank (d) Human Capital * Build a winning human capacity and Spirit. (e) Retail Focus * Build the nation’s number 1 retail Bank. 2.1.2INTRODUCTION TO ELECTRONIC BANKING SYSTEM Electronic banking system is a conventional banking system which stated in Nigeria in 1952; (Benjamin 2001). Since then the industry has witnessed a lot of regulatory and institutional advances. The industry was being controlled by at most five out the 89 banks in existence before the commencement of the merger and acquisition of banks in Nigeria economy. Multiple branch systems is also one of the notable features of Nigerian Banks, with a total of 89 banks accounting for about 3017 bank branched nationwide as at 2004. As well the industry was faced with heavy challenges including the overbearing impact of fraud and corruption. Erosion in public confidence a poor capital base persistent cases of distress and failure poor asset quality and so on. Part of the move to resolve these lingering problems including the banking reform initiated by the Central Bank of Nigeria in June 2004, which is largely targeted at reducing the number of Banks in the economy and making the emerging banks stronger and reliable. So far the banking reform has been a success story with 25 mega banks emerging after the recapitalization exercise which ended on 31st December, 2005 in the bid to catch up with global development and improve the quality of their service delivery. Nigeria banks have no doubt invested much o technology and have widely adopted electronic and telecommunication network for delivery a wide range of value added product and service, they have in the last few years transformation from manual to automated system. Unlike before when ledger cards were used, today banking has been connected to information technology networks thereby facilitating the practice of inter – banking and inter – Branch ban king transactions. Development domestically has the introduction of mobile telephone in 2001 and improved access to personal computer and internet service facilities have also added to the growth of electronic banking in the Nigerian banking sector, However where as local banks most commonly practice real time on line internet banking, the integration of customers into the process is far from been realized. Many of the reason are attributed to the high prevalence of internet fraud and lack of an adequate regulatory framework to protect the banks from the volatility of risk associated with internet banking especially at the levels of communication and transactions. In the main Nigeria is globally regarded as the headquarters of Advance Fee Fraud which is perpetrate mostly via the internet (Journal of international affairs Vol. 51, 209 – 301. 2.2 THE VIEW ON ELECTRONIC BANKING The vast majority of the recent literature on electronic money and banking suffers from a narrow focus. It generally ignores electronic banking entirely and equates electronic money with the substitution of currency through electronic gadget Such as smart cards and virtual currency. For example Freedman (2000) proposes the electronic banking and electronic money consist of three device; access devices stored value cards and network money. Electronic banking is simply the use of new access device and is therefore ignored. Electronic money then is the sum of stored value (smart) cards and network money (value stored on computer hard disks). What is most fascinating and 23 revealing about this apparently popular view is that electronic banking and electronic money are no longer functions or processes but devices Within this rather narrow scope for electronic money there are nonetheless many research that address one or more of the challenges facing it Santomero and seater (1996) print (1991) and sliy and Tarkka (2002) and many others present models that identify conditions under which alternative electronic payment substitute for currency to emerge and flourish on a large scale depending on the characteristics of the various technologies as well as the characteristics of the potential user Berentsen (1998) considers the impact that the substitution of smart cards for currency will have o monetary policy arriving that although electronic substitutes for currency substitution will leave the demand for Central Bank reserves largely intact Good haft (2000) discuss how monetary control would in an economy in which Central Bank currency has been partially or completely replaced by electronic substitutes. Conan (2001) distinguishes between monetary control and monetary anatomy where monetary control is the ability of the of the Central Bank to influence output and price, Cohen that the introduction of electronic currency substitutes will not reduce monetary autonomy other hand; Kobrin (1997) arques that electronic currency substitutes are 24 part of a general process of technological advance and globalization that are rendering national authorities of all kinds important and obsolete. Lee and long – Akindemowo (1999) present the standard justification for regulation of financial markets systemic risk and consumer protection; they argued that both will justify regulation of electronic currency substitutes they noted that European regulators have already defined stored value cards as the taking of a deposit so that only banks may issue them, several other authors particularly Central Banks such as freedman (2000) have argued that the state can always use its power to regulate electronic money providers if they prove to be determined to monetary policy or finance stability. Helleiner (1998) makes the case that such coercive power will still be effective in a world of electronic banking. Tanaka (1996) on the other hand, proposes the establishment of a monetary authority in cyberspace that will control electronic currency substitutes. Friedman (1991) point out that electronic banking presents the possibility that an entire alternative payment system not under the control of the Central Bank of Nigeria may arise, in an extreme variant of freedman King (1991) argues that today computers make it at least possible to bypass the payment system altogether instead using direct bilateral clearing and settlement; the responses to Friedman. Woodford (2000) argue that the central bank will either continue to provide the payment system of choice or will find alternative ways to conduct monetary policy through stabilization of short term interest rates regardless of what form of money is being used. Although this second set of research introduces some critical issue, it is too vague about what exactly is meant by electronic money and banking. Part of the vagueness stems from the focus of these papers on the payment system rather than on the payment media. Nonetheless a complete view of electronic money and banking should include both the payment system and the media used in the system. The feasibility of an alternative payment after all is intimately tied to the feasibility and desirability of the media flowing through that system. 2.3ELECTRONIC BANKING AND THE COMMON BANKING PRODUCTS The use of information technology in banking operations is called electronic banking Ovia (2001) argue that electronic banking is a product of e – commerce I the field of banking and financial service. i what can be described as business – to – consumer (B2C) domain for balance enquiry request for cheque books, recording stop payment instructions, balance transfer instruction, accounts opening and other forms of traditional banking service, Banks are also offering payment services on behalf of the customer who shop in different e- shop. 2.3.1TELEPHONES AND PC BANKING PRODUCTS This is a facility that enables customer, via telephones calls, find out about their position with their bankers merely dialing the telephone numbers given to them by the banks in addition the computer on the phone would require special codes given to the customer as a means of identification of authentic users before they can receive any information they requested for. This is a service introduces into the banking balance as a result of computer telephone technology being made available Ovia(2001) the technology baking has a universe of possible application limited only by the imagination, these areas include: Account balance enquiry: Account statement printing intra – Banks Account to Account Transfer: inter – Banks Account to Account Transfer: Download Account Transaction etc Telephone and Pc banking brings the bank to the doorstep of the customer, it does not require the customers to have his premises: interaction voice response becomes a regular feature of operatio ns: Text – to – speech capability becomes reality: A uniformed messaging capability become permanent feature of the bank. 2.3.2THE CARD SYSTEM The card system is a unique electronic payment type. The smart card are plastic devices with embedded integrated circuit being used for settlement of financial obligations. The power of card lies in their sophistication and acceptability to store and manipulate data, and handless multiple application on one card security (Amedu 2005) Depending on the sophistication, it card and ATMs ( Automatic Teller Machine) While the electronic card is gaining popularity in USA and Nigeria, the Spanish financial institution demonstrated the highest implementation and update of smart card accords Europe (Amedu 2005) The smart cards was introduce into the Nigeria market to reduce or eliminate problems of carrying cash about (Amedu, 2005) it is electronically In addition it also contains security programs these protect transactions between one card user and the other, it between one card user and the other, it can also be transferred directly to a retailer, merchant or other outlet to pay for goods a nd services and like cash, transaction between individuals without the need for banks of the other third parties, Also the system does not require central clearing. It is valued immediately. Also the system allows transfer of one value to the other hence it operates like cash. 2.3.3THE AUTOMATED TELLER MACHINE (ATM) Worldwide the use of paper cash still remains the most widely used and acceptable means of setting financial transaction in increasingly on the decline especially in advance economics (Amedu 2005). In USA where the use of cash is still prominent compared with European countries it represents 50 percent or more of the total transactions. Of course, cash is a non – electronic payment method. However the physical carriage of cash as well as the visit to the bank branches is being reduced by the introduction of an electronic device ATM. An ATM device allows a bank customer to withdraw cash from his account via a cash dispenser (Machine) and the account is debited immediately. A fundamental advantage is that it needs not to be located within the banking premises. It is usually in stores, shopping malls, fuel Satiations etc 2.3.4CHEQUE A cheque is a paper based payment instrument whose usage are still gaining ascendancy the Automation focus on this instrument is to reduce the number of clearing days and improve on security arrangement in the course of settlement and collection. For examples in Nigeria the Central Bank of Nigeria CBN has just embarked upon online clearing and Nigeria has signified interest and signed path to this project (Johnson 2005) 2.4THE ENTRY OF NIGERIAN BANKS INTO ELECTRONIC BAKING. Electronic banking both as a medium of delivery of banking service and as a strategic tool for business development has gained wide acceptance internationally and more banks entering the fray. Nigeria can be said to be the threshold of a major banking revolution with net banking having already been unveiled (Ovia 2001) of all the sectors in the Nigeria economy, Banking stands out despite â€Å"a not too good† economy Electronic banking provide the facility of accessing customer account from anywhere in the world by using home computer with internet connection, is particularly fascinating worth individuals having multiple bank account the growth potential is therefore, immense. Further incentives provide by banks would dissuade customers from visiting physical braches, and thus get hooked to the convenience of armchair banking at present the situation does not seem to have shown any significant improvement where as about 90 percent of the banks in the country offer other forms of electronic banking service like telephone banking ATM and electronic fund transfer, internet banking is yet to take center stage. This aspect of baking is still at the basic informative stage (Ovia, 2001) this is so despite the widely acclaimed benefits of internet banking against the traditional branched banking practice part of the reason indentified for the inability of banks in Nigeria to take full advantage of this mode of banking includes lack of adequate operations infrastructure like telecommunications and power upon which electronic banking generally relies, Development process, internet b anking can be said to have less I the existing banking structure in the country Earlier articulate reason why internet Banking was having a moderate economic impact in the country including that Nigerian Banks customers are not on the average trained on for teller jobs and the working of internet banking a situation which makes transaction processing via internet banking prone to error; the absence of a clearly defined frame – work for internet banking, leaving banks with inadequate legal cover to provide the service and poor telecommunication infrastructure all over the country. In addition the fact that internet assuage in the country has been abused by cyber – criminals makes its window unattractive for domestic banking operations and legitimate international operations. The inherent banking service in Nigeria is against re – enforced by the growing evidence that the world over, dubook Nigerians use fake website to scoop fund from unsuspecting victims. In som e cases, these crimes are committed using existing banks sites. 2.5.1THREAT OF CYBER – CRIMES ON THE NIGERIAN BANKING SITES. The Advantage fee fraud or 419, which is one of the popular of all interest frauds Has of its origin from Nigeria in the 1980s it development and spread follows the path of the development in technology at inception, postal letter were used as key media for committing 419 frauds. Later in the early 1990s it became integrated into telecommunication facility such as the telephone and fax from the late 1990s following the introduction of computers and internet 419 crimes became prevalently perpetrated through the use of e-mail and other internet means (Amedu 2005) the latest dimension taken by the perpetration of this crime is the use of fake internet bank site and using that to encourage victims to open account with them. The country is the third high est ranked in internet money offer fraud As was reported in one of the national newspaper frauds and forgeries in Nigeria bank as at June 2005 Stood at 329 or N1.15 billion monetary equivalent against 222 cases or N1.47 billion monetary equivalent in April same year, There is even global suspicion that a Nigerian crime Syndicate that Coordinate global crimes such as money laundering bank fraud and 419 searms exist today. These issues basically defeat he key ingredients of electronic banking which include confidentially integrity and availability. Several factors are responsible for the above situation. They include inordinate tolerance for corruption among Nigeria public and government agencies; weakness of the existing legislative judicial institution to makes and enforce relevant laws on cyber crimes quality of graduates I terms of professional value and ethics chronic unemployment among graduates and the widening gap between the few rich and the many poor caused mainly by bad government. In the main, erosion of good value principles and corruption constitute the greatest cause of using cyber-crimes among Nigeria (Domestic electronic payment in Nigeria) (Amedu, 2005) this according to transparency international is worsened by fact that sever generation of Nigerians have been raised in this norm, Hence what is seen as a dangerous global crime is socially acclaimed and glamorized in Nigeria. The above situation constitutes the environment upon which electronic banking has emerged in Nigeria although the level of the adoption and practice of electronic baking (especially internet banking) has remained quite insignificant global projections still remains that information technology would continue to pay a revolutionary role in the development and delivery of banking products and services all over the world. In effect it is this projection that has raised pertinent regulatory questions concerning electronic banking like Nigeria. One key issue here borders on how to handle the rising level of frauds and forgery prevalent I the entire banking system and how to make internet banking system and how to make internet banking fit well in the banking structure of a country so notoriously identifiable with criminals use internet access. 2.5.2THE REGULATORY CHALLENGES At the national level the Nigeria government and the relevant regulatory agencies have strived to match the rapidly changing electronic banking environment with necessary regulations and frame works (Soludo, 2005) earlier effort made to this effect including the enactment of the failed Bnaks (Recovery of Debts) and malpractices in Bank Decree NO. 18 of 1994 and the money laundry of 1995. However as noted above poor enforcement procedure rendered these instrument very inactive in checking the menace of financial crimes. By the late 1990s following record growth internet and computer usage in the regulations girding the banking industry including the banks and other institution Act of 1991 were lacking adequate provisions to accommodate the emerging trend. Not even a mention of electronic banking or any manner of its application was mentioned in any of these prevailing regulation documents the situation created a lot of gaps between the levels 32 of CBN regulatory tools and the same ti me made the bank venerable to all kind of risk (Soludo 2005) This deficiency notwithstanding, it is not until 2003 when the maiden guidelines on electronic banking guidelines emerged from the finding of a Technical committee on electronic banking set up by the Central Bank of Nigeria in 2003 to find appropriate modalities for the operation of the committee that electronic banking in August 2003 of the key provision of the guidelines only a section deals with issues of the guidelines only a section deals with issues relating to internet Banking section paragraph 4 of the guidelines exception any stresses that banks should put in place procedures for maintain the banks web site including the various security features needed for internet banking service (CBN 2003) Despite its numerous technical specifications he guidelines have been widely criticized as not being enough to check the growing popularity of electronic banking against the back drop of growing sophistication in technology r elated crimes and frauds. Closer examination of the content of the guidelines equally shows that the document fails to meet up with the four keys areas where electronic banking may have regulatory impact – changing the traditional lines upon which existing regulatory structure are laid handing concerns about existing public policy issues changing the natural and scope of existing risks and rebalancing regulatory rules and industry discretion Again some important recommendation of the Technical committee that gave rise to the adoption of the guidelines was paragraph 6.1 of the committee reports which among others recommended that all banks intending to offer transaction service o the internet other e-banking product should obtain an approval in – principle from CBN prior to commencing these service. Part of the criticism is that the recent guidelines are capable of constraining the practice and development of Electronic Banking Nigeria. One of such for instance is the requirement on electronic banking product development while acknowledgement that the existing regulations would apply wholly on emphasized that only banks section 4.2 of the guidelines emphasized that only banks which are licensed supervised and with physical presence in Nigeria are permitted to offer electronic banking service in Nigeria and that virtual banks are not to be allowed the guidelines also gives indication that the products services can only be offered to residents of Nigeria with a verifiable address with the geography boundary of Nigeria any person resident permit or other legal residency designation under the Nigeria immigrations any person know were in as a classified person who neither is temporarily in Nigeria. The guidelines go further to indicate that the e-banking service should be offered in Naira only and that where such a service is to be provided in foreign currency it should be to only the holders of ordinary domiciliary account and conform with all foreign exchange regulation on some other aspects, the guidelines have been criticized by unity bank executive and customers for not addressing adequately the critical issues concerning internet security it failed to explicitly recommend a standard that allows banks to examine in each individual financial institutions current network. In addition to this array of criticisms the workability of proper internet framework is also queried amidst the poor state of basic information technological infrastructure in the country. This is essentially necessary since electronic Banking generally relies on the existence of adequate operational infrastructure like telecommunication and power to function effective through little success has been recorded the supply of these requisite facilities is very erratic in the Nigeria case. Were they exist high cost of acquisition and maintenance tend to deny a greater percentage of the population access to them the case of internet access is a glaring one where majority of the citizen rely solely on the services of commercial cyber cafes to the E- Banking Guidelines to provide procedures not only for banks investment in internet facilities but also in promoting customers access to such. Unfortunate none of such is contained in the document. Prior to the merger, each of the four banks maintained a unique brand discernable areas of coverage an easily identified degree of strength and competencies in various areas of the banking service and a fair share of the market. Technology is undoubtedly a very important tool of every banks competitive strategy. It had drawn the line between success and failure. The deployment of Banks, web enable new generation enterprise banking solution has enable UNITY BANK to offer its customers banking service at their door step. The bank runs on a completely centralized system with BANKS (Version 6.2) as the main Banking Application the Banks innovation technology driven product are product are central and they have pioneers in the area of e-banking in Nigeria. 2.5.3ELECTRONIC BANKING PROFITABILITY AND EFFICIENCY Commercial banks assaulted by the pressure of globalization competition from non-banking news ways to add value to the service the question what drives performance? Is at the top in understanding superior performance and hence striving for it substantial research effort have gone into addressing this questions starting from the strategic level and going down to operational details. A key study bench marking the strategies of leading retail banks and (vander Velde 1992) This study is based on the opinions of head of retails banks at all us commercial banks established the linkage between marking operations organizing excellence this finding lead to the formulation of the service management strategy encapsulated in the trail operational capabilities service quality performance capability service quality performance (-SQ-P) (foth and Iackson 1995) the C-SQ-P trail is in turn a focused view of the service profit chain described by (heskettet all 1994) based on their analysis of successful service organizations. 2.5.4BANK CUSTOMER RELATIONSHIP Bank customer relationship is just a special contract were a person entries valuable items with another person with an intention that such items shall be retrieved on demand from the keeper by the person who is entrusted with above mentioned valuable items shall be retrieved on demand from the keeper by the person who so entrust thus the banker is the one who is entrusted with above mentioned valuable items while the person who entrust the items a view to retrieving it on demand is called the proxy. The banker too is under obligation to pay so long the proxy is dully authorized by the customers. The relationship is also fiducially. The terms and condition governing the relationship should not be leaked to a third party particularly by the bankers, Also items kept should not be released to a third party without due authorization by the customer. 2.6OPERATIONAL OF FINANCIAL INSTITUTION Financial institution provide service as intermediaries of the capital and debt markets, they are responsible for transferring funds from investor to companies in need of those funds financial institutions facilitate the flow of money through the economy to do so, saving are pooled to mitigate develop revenue. Should the yield curve become inverse film in this arena will offer additional fee generating services including securities underwriting and prime procreate. CHAPTER THREE RESEARCH METHODOLOGY 3.1INTRODUCTION This chapter describes the techniques and procedure used by the research in conditioning the study and accumulating the data for the population of the study througth sampling techniques Sample size source of data method collection and method of data analysis and testing hypothesis 3.2POPULATION OF STUDY The population to be used in this study covers all the 40credit officers of Unity Banks plc The population selected was designed to obtain adequate and diverse views pertaining to the level and impact of electronic banking in Unity bank. 3.3SAMPLING TECHNIQUES The technique is used to ensure that all the segment of the population is included in the study 3.4SAMPLING SIZE The sampling size to be used by the researchers in this study constitute (40) Unity Bank Officers 3.5SOURCES OF DATA The researcher uses both the primary and secondary data in the study. The primary data are collected by the researcher through the use of questionnaire while the secondary data are data collected from CBN electronic banking guideline annual report of Unity Banks Plc and CBN annual report e.t.c 3.6METHOD OF DATA ANALYSIS The study used both descriptive and inferential statistics in analyzing the data Also Simple frequency counts in percentage and the chi-square were used in the data analysis. 3.6.1TEST OF HYPOTHESES AND INFERENCE The Chi-square test was employed by the researcher to test the significance of the responses from the credit officers of Unity Bank plc (respondent) The Chi Square test is performed by defining the numbers of case fully in each category. The formula for the Chi- Square is: 0O-e2 e O: = Number of observed case in category E: = Number of expected cases in category K: = Number of category Summation Runs from 1 =1 to 1 – k 3.6.2DECISION RULE AND NOTIFICATION A set of decision rule is the verbal equivalent of a graphical decisions tree, which specifies class membership based on a hierarchical sequence of (Contingent) decisions. Each rule in a the form of a Horn clause where in class membership is implied by a conjunction of contingent observations. CHAPTER FOUR DATA ANALYSIS AND DISCUSSION FINDINGS 4.1A total of 40 questionnaires were distributed to the various credit officers of the unity bank plc in Lagos state after the questionnaires were filled by the respondents and collected back they were screened a sorted out by the researcher the detail of of the returned questionnaires shows that out of 40 sent out,only 35 were completed. Hence 87.5% of the respondent returned their questionnaires. 4.2PRESENTATION AND ANALYSIS OF DATA 4.2.1QUALIFICATION OF RESPONDENT The researcher was able to meet with the respondent to know their level of qualification, the able below shows their different qualification and their response. Table 4.1 ; Qualification of Respondent s ALTERNATIVE RESPONDENT PERCENTAGE OND 5 14 3 HND 9 25 7 BSC 14 40 M.SC / MBA 7 20 PHD 00 TOTAL 35 100 Sources; field survey, 2013 40 Table 4.1 shows the number of respondents by qualifications. The data collected indicated that 14 or 40% of respondents are B.sc Holder, 9 or 25.7% are HND holders, while 7 or 20% are master holders and non among have PHD. Therefore it could be inferred that majority of the credit are B.sc Holders 4.2.2WORKING EXPERIENCE The research was able to meet with different respondent to know their years experience with unity bank plc. Table 4.2 years of Experience with unity bank plc. ALTERNATIVE RESPONDENT PERCENTAGE 1-5 years 8 22.9 6-10 years 10 28.6 11-15 years 9 25.7 16-20 years 6 17.1 21 years and above 2 57 TOTAL 35 100 Sources ; field survey 2013 Table 4.2 shows how long the respondents have been working with bank form the data collected it could be seen that 12 or 40% of respondents have spent between 1-5 years working with the bank, while 16-20 years and 2 or 25.7% between 11-15 years 6 or 17.1% between 16-20 years and 2 or 5.7% for more than 21 years. In view of this fact it could be deducted from the analyzed data in table 2 that 77.1% of the respondent have spent appreciable period of 5 years and above working in the bank. 4.2.3CADRE OF RESPODENTS ALTERNATIVE RESPONDENT PERCENTAGE Junior credit officer 14-40 Senior credit officer 21-60 Total 35-100 Sources; field survey, 2013 Table 4.3 shows that 21 or 61% of respondent are senior credit officers with the bank while 14 or 40% are junior credit officers. Therefore the bank senior credit officers are more than the junior ones 4.2.4PROFESSIONAL QUALIFICATION The respondents were asked about their professional qualifications and their responses were presented below Table 4.4 professional Qualification ALTERNATIVE RESPONDENT PERCENTAGE Associated chartered Accountant (ACA) 16 45.7 Chartered Institute of Bankers of Nigeria (CIBN) 15 42.9 Certified Auditor 2 5.7 Certified information System 2 5.7 Total 35 100 Sources; field survey, 2013 42 Table 4.4 shows that 16 or 45.7% respondent are members of Chartered Accountant on 7% Nigeria, 15 or 42.9% of the respondent are professional bankers and 2 both 2 or 5.57% are for certified auditor and certified information system respectively. Therefore most workers in the bank are professional and such one would expect quality services and information from them 4.2.4DEPARTMENT OF RESPONDENTS The respondent were asked of their department are from different department and their responses were presented below. Table 4.5 Department of Respondent ALTERNATIVE RESPONDENTS PERCENTAGE Human Resource 3 8 6 Cleaning and Cash Management 13 37.1 Business Development 25.7 Information Technology 12.9 Credit and Making 16 45.7 Total 35 100 Source: Field Survey, 2010 Table 4.5 indicate that 3 or 8.6 of the respondents are the human resources department 13 or 37% Clearing and cash management 2 or 5.7 to business development while 1 or 2.7% of the respondents are information. Technology department and 16 or 45.7% of the remaining are in credit and marketing Therefore, it could be deduced from the data analyzed above that credit and marketing department has the higher number of staff as such the bank will always strive to gainthe larger share of market share. 4.2.6THREAT TO ELECTRONIC BANKS The respondents were asked of the threat involves in electronic banking and their responses were presented below. Table 4,6 Threat to Electronic Banking ALTERNATIVE RESPONDENTS PERCENTAGE Adequate Security 00 Legal threat 00 ATM Found 00 Poor communication link 00 All of the above 35 0 Total 35 100 Source: Field Survey, 2010 Table 4.6 show that all respondents i.e 35 or 100% of the respondents were of the agree opinion that the bank place more emphasis in all the electronic banking threat to determine its effectiveness. 4.2.7THREAT ASSESSMENT The respondents were asked about their assessment of threat involved in electronic banking and their responses were presented below: Table 4.7 threat Assessment ALTERNATIVE RESPONDENT PERCENTAGE To a high extent 0 0 To a moderate extent 27 77.1 To a lower extent 6 17.1 44 No respond 25.7 Total 35 100 Source: Field Survey, 2010 On the assessment of the Unity Bank Electronic Banking System, 27 or 77.1% of the respondent were 6 or 17.1 low and 2 or 5.7% sow no respond and more respondent with opined of high. Therefore based in the Data collected, it shows that the bank has low incidence of threat in electronic Banking System. 4.2.8RESPONDENT ASSESSMENT OF UNITY BANKS ELECTRONIC BANKING SYSTEM The respondents were asked of the assessment of Unity Bank plc Electronic Unity Bank and their responses were presented below: Table 4.8 Unity Bank Electronic System ALTERNATIVE RESPONDENT PERCENTAGE Excellent 5 14.3 Very Good 27 77.1 Good 3 8.6 Fair 00 Poor 00 Total 35 100 Source: field Survey, 2010 Table 4.8 shows the assessment of electronic banking system of Unity Bank 27 or 77.15 of the respondents have the opinion that they are very good while 5 or 14.3% excellent and 3 or 8.6 considered it as a good and none of the respondent opined that it is either fair or poor. 4.2.9INFORMATION TECHNOLOGY TRAINING PROGRAM the researcher was able to ascertain the level of information technology training program in Unity Bank plc and the responses are shown below: table 4.9 IT program ALTERNATIVE RESPONDENTS PERCENTAGE Strongly agreed 5 14.3 Agreed 26 74.2 Undecided 3 8.6 Disagree 1 2.9 Strongly Disagree 00 Total 35 100 Source: Field Survey 2010 On the assessment of training development program for Unity Bank Offecers the table 9 show that 26 or 74.2% of the respondents were of the agree opinion, 5 or 14.3% strongly agree 3 or 8.6% undecided and 1 or 2.9% disagree and none respondent opened on strongly disagree therefore the bank have information training development programs respondent were of the agree opinion. 4.2.10LEVEL OF ELECTRONIC BANKING The respondent were asked about the level of electronic banking and response is shown in table 4.10 Table 4.10 level of electronic banking ALTERNATIVE RESPONDENT PERCENTAGE Strongly agreed 11 31.4 46 Agreed 22 62.9 Undecided 00 Strongly disagree 00 Total 35 100 Source: Field Survey 2010 Table 4.10 shows that 22 or 62.9% of respondent were of the agree opinion that electronic banking system has make banking transaction more easier, 11 or 31 45% strongly agree while 2 or 5.7% were undecided and none of the respondent is either of the disagree or strongly disagree opinion. From the data, it indicates that the banking transaction has been made easier with the introduction of electronic banking. 4.2.11IMPROVEMENT OF CUSTOMERS SATISFACTION The respondent were asked about the level of satisfaction derived from electronic banking and their response is show in table 4.11 below: Table 4.11 customers satisfaction improvement ALTERNATIVE RESPONDENTS PERCENTAGE Strongly agreed 13 37.1 Agreed 21 60 Undecided 12.9 Disagree 00 Strongly disagree 00 Total 35 100 Source: Field survey, 2010 47 Table 4.11 shows that 21 or 60% of the respondent were of the agree opinion that electronic banking have improve customers satisfaction 13 or 37.1% strongly agree while 10 or 2.9% undecided and non respondent disagree, therefore, agree opinion having higher percentage shows that electronic banking has really shows that electronic banking has really improved customers satisfaction. 4.3TEST OF HYPOTHESIS 4.3.1HYPOTHESIS ONE Electronic Banking does not have prospect of electronic bank in Unity Bank Nig, Plc Table 4.12 Chi- Square table on the prospect of electronic banking in Unity Bank Respondents view O; – Ei (O; – E;) Strongly agree 1578649.14 Agree 167981 11.57 Undecided 27-525 3.57 Disagree 17-636 5.14 Strongly disagree 17-636 5.14 Total 353550242 34.56 Source: Computer from Data 2010 Therefore Z2 (Chi-Square) Value Calculator is 34.56 the degree of freedom K-L, 5-1 = 4 from the Chi-Square rule Table x 22 4; 0.05 = 9.4877 Therefore x2 Calculated = 34.5,6 X2 Tabulated = 9.4877 48 Decision rule: Since x2 Calculated is greater than x2 Tabulated (34.56779.4877) at 5% confidence level and 4 degree of freedom the first nul hypothesis which sate that electronic Banking enhanced Unity Bank efficiency is accepted. 4.3.2HYPOTHESIS TWO Electronic banking does not have impact on the overall performance of the bank Table 4.13 Chi-Square table o the overall performance of the Bank Respondent view O; Ei Oi-Ei (Oi-Ei) Strongly agree 13 7 6 365.14 Agree 167981 11.57 Undecided 27-5 25 3,57 Disagree 27-5 25 3.57 Strongly Disagree 17-6 36 5.14 Total 35 35 0 171 28.99 Source: Computer from Data 2010 Therefore Z2 (Chi-Square) value calculated is 28.99 The Degree of freedom K – 1,5- 1= 4 Using the statistical table to find the value of Z2 4; 0.05 the result is = 9.4877 Therefore x2 Calculator = 28.99 X2 Tabulation = 9.4877 Decision rule: Since x2 Calculated is greater than x2 Tabulation (28.9979.4877) at 5% confidence level and 4 degree of freedom the second null hypothesis is rejected and 49 the alternative hypothesis which start that Unity Bank Plc Electronic banking have impact on the overall performance of the banks is accepted. 4.3.3HYPOTHESIS THEE Table 4.14 Chi Square table on the fortune of Unity Bank Respondent view Oi Ei Oi – Ei ( Oi – Ei) Strongly Agree 17 7 10 100 14.28 Agree 13 7 6 36 5.14 Undecided 37 – 4 162.28 Disagree 2 7 – 5 25 3.57 Strongly Disagree 07 -7 49 7 Total 35 35 0 226 32.24 Source: Computed from Data 2019 (Chi – Square) Value Calculated is 32 .27 the degree of freedom K-1, 5-1 = 4 Using the Statistical table to find the value of Z2 4; 0.05 the result is = 9.4877 Dose not comply with the CBN electronic Banking Guideline Table 4.16 Chi – Square Table o the CBN Electronic Banking Guidelines Respondents view Oi Ei Oi – Ei ( Oi – Ei) Strongly Agree 19 7 12 144 20.57 Agree 14 77 49 7 Undecided 07 – 7 49 5.14 Strongly: computed from Data 2010 Therefore Z2 (Chi – Square ) value calculated is 44.85 the degree of freedom k-1, 5-1 = 4 Using the statistical table to find the value Z2 4; 0.05 the result is = 9.4877 Therefore x2 Calculated = 44.85 X2 Tabulation = 9.4877 52 Decision rule = since X2 Calculator is greater than X2 Tabulated (44.857 9.4877) at 5% confidence level and 4 degree of freedom the second null hypothesis is rejected and the alternative hypothesis which started that Unity Bank Electronic Banking Guidelines comply with CBN electronic banking Guideline is accepted. 4.3.5DISCUSSION OF FINDINGS From the above analysis it is seen that in hypothesis one, you can see that respondents agreed that electronic banking does not have prospect in Unity Bank In hypothesis we can also see that respondent agreed that electronic banking does not enhance the fortune of Unity Bank Hypothesis four shows that respondents strongly agreed that the Unity Bank Electronic Banking does not improve its bank customer relationship hypothesis Five shows that respondents strongly agree that Unity Bank electronic comply with the CNB Electronic Banking Guideline. CHAPTER FIVE SUMMARY, CONCLUSION AND RECOMMENDATION 5.1 Summary The study was carried out in order to assess the impact of electronic banking system in Unity Bank. The general introduction aspect shade more light on the essential of electronic banking. Many literature and academic publication from different authors in publication from different authors in electronic banking product emerging issues in electronic. In the cause of this research the research was able to find out that origin of electronic banking system which started in Nigeria in 1952 Also the prospect of electronic banking was looked into critically electronic banking improve the fortune of Unity Banks this was achieved by adopting the CBN banking guidelines 5.2CONCLUSION Based I the summary of the major finding the following conclusions are draw: 1. The adoption of electronic banking has enhanced Unity Bank efficient by making it more productive and effectives 2. Electronic Banking also has a strong impact on the overall banking performance by making workers performance more effective and efficiency. 3. The adoption of electronic banking gas enhanced the fortune of the bank this is achieved through bank charges cheque withdrawal slip and withdrawal charges. 4. The electronic banking has improved the bank customer relationship by rendering effective service throughout the week customers can now have access to their account outside working hours to make withdrawal to attend to their needs. 5. The electronic banking guidelines introduces by CBN strongly helps in effective electronic banking system. Withdrawal can be made anywhere at any time and using any bank ATM machine customer cannot withdraw more than some certain amount to allowed other customers have access to the cash and money can be transfer from one place to another through electronic means. In general conclusion the electronic banking has made banking transaction to be easier by bringing service closer to the customers 5.3RECOMMENDATIONS In order to give the growing trends of information and communication technology (ICT) which involves net banking and e-commerce in banks a vision in the right directions, the following strategies are recommended for further following up: 1. The banks must be focused in teams of their needs and using the right technology to achieve goals rather than accruing technology of internet banking because other banks have it 2. Government participation in ensuring focused telecommunication industry must be visible to reduce or remove avoidable costs of implementing e-commerce and internet banking 3. Regulatory authorities like CBN (Central Bank of Nigeria) must stipulate standard for the banks to follow to avoid making Nigeria Banking Sector a dumping ground for the outdated technological infrastructure. 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Davenport T.H (1993) process innovation Reengineering work through information technology Boston: Harvard Business School press pp. 30 – 35. Financial standard Newspaper (2006) Vol 7 No. 28 April, pp3. Freedom C. (2000) monetary policy implementation: past, present, and Future will Electronic Money Lead to the Eventual Demise of Central Banking? International Finance Vol. 3, No. pp. 211 – 27 Friedman B. (1999). The future of Monetary Policy: The Central Bank as an Army with Only a Signal Corps? International Financial, Vol. 2. No. 3 pp. 321 – 38. Goodhart Charles A.E (2000) can Central Bank Survive the IT Revolution? International Finance Vol. 3, No. 2 pp. 189 – 209 Hackathorn. R (2003) Factor for Implementing Active Data warehousing datawarehouse. Com. Halleiner. E (1998) Electronic Money: A Challenge to the Sovereign state? Journal of international Affairs, Vol. 51, 387 – 400. Heilinger. M. Bingerhut. S. (2002) Business Activity Monitoring EAI meets Data Warehousing EAI Journal. July, pp 18 – 21. King M. (1999) Challenges for monetary policy:New and Old Bank of England Quarterly Bulletin November pp 307 – 415 Koutsoyiannis A. (1991) Theory of Econometric Hampshire: Macmillan Limited. Lee B. and Longe – Akindemowo O. (1999) Regulatory issues in Electronic Money A Leg el – Economics Analysis, Netnomics, Vol. 1, pp 53 – 70. APPENDIX Department of Banking and finance, Osun State Polytechnic Iree Osun – State, Nigeria May 14, 2013 Dear Respondent, I am an HND student in the above name Department and institution presently conducting a research on â€Å"The Impact of Electronic Banking in Nigeria Banking System (Critical Appraisal of Unity Bank Plc)† in partial fulfillment of the requirement for the award of HND. The finding are Strictly to be used for academic purpose only. Thank you sparing your time to participate in the study N.B Please tick [ ] in the appropriate box provided to indicate your answers. 1. What is your academic qualification? OND [ ] HND [ ] B.sc [ ] M.sc/MBA [ ] PHD [ ] 2. How long have your been in the service of Unity Bank Plc? 1-5 years [ ] 6-10 years [ ] 11-15 years [ ] 16-20 years [ ] 21 years above [ ] 3. Which category of cadre do you belong? Junior Credit Officer [ ] Senior Credit Officer [ ] 4. Which of these department do you have? ACA [ ] CIBN [ ] Certified Auditor [ ] Certified Information System [ ] 5. Which of these department do you belong to? HR [ ] Clearing Cash Manager [ ] Business Development [ ] Information Technology Credit and Marketing [ ] 6. Which category of threat does Unity Bank places more impression? Adequate security [ ] Legal Threat [ ] ATM fraud risk poor [ ] 7. How can you assess the incidence threat of Unity Bank electronic bank system? High [ ] Low [ ] Moderate [ ] 8. How can you assess the overall performances of Unity Bank electronic Banking? System Excellent [ ] Very Good [ ] Fair [ ] Poor [ ] 9. Unity Bank Plc has training program on information technology for its staff. 10. Introduction of electronic banking has eased banking transaction 11. The introduction of electronic banking has improved customer satisfaction. 12. Electronic banking hence its effectiveness and efficiency Unity Bank. 13. Unity Bank Plc electronic banking have impact of its overall performance of the bank 14. Adoption of electronic banking would enhance the fortune of the bank. 15. Unity Bank electronic banking improves its bank customer’s relationship. 16. The bank electronic banking guidelines comply with CBN electronic banking guidelines.