The use of information and communication technology has taken wider scope in the banking sectors than previous years because of the reach of the people to the ICT infrastructure and easy availability of its products. The use of ICT has been for long time in the western countries such as USA‚ UK‚ Australia and many more. However‚ the easy access to internet and other smart ICT product has made easier deployment of technology to the developing countries. In the context‚ Nepal is one of the countries
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will try to add to the list in the near future: “The act of introducing something new” (the american heritage dictionary) “A new idea‚ method or device” (Webster online) “Change that creates a new dimension of performance” (Peter Drucker) “The introduction of new goods (…)‚ new methods of production (…)‚ the opening of new markets (…)‚ the conquest of new sources of supply (…) and the carrying out of a new organization of any industry” (Joseph Schumpeter) “Innovation is a new element introduced
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performance Profitability Cost Shareholders’ returns 01 03 05 05 09 10 Chapter 4: Financial position Balance sheet Asset quality Capital adequacy 15 15 19 23 Chapter 5: Sector commentary Focus on retail banking Financial Inclusion remain a top priority Making the best use of technology 25 25 27 28 Chapter 6: Regulation Regulations:
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Technology vs. the Brain From the invention of the light bulb by Thomas Edison to the long term battle between Apple and Microsoft‚ technology has been growing. With each new achievement or creation‚ the impact of the devices becomes more and more evident. There is a lot of controversy in terms of the impacts and whether the effects are positive or negative and to what extent technology actually reaches. The bottom line is that without a doubt technology is a continuously evolving system that impacts
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Technology and its impact on Retail stores The owner of a top retailer wants to see which merchandise is selling which isn’t‚ or maybe the owner wants to know their overall margin costs in relationship in to which products on their shelves are more profitable then the others. In the not so distant past these types of reports would have required a lot of people‚ processing large amounts of data‚ and requiring lengthy delays in the results from weeks to even months. In the end‚ by the time
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Acknowledgements ii Abbreviation iii List of Tables and Figures iv Abstract v 1. Introduction 10 2. Literature Survey 15 3. Study and Analysis of Models of Branchless Banking 3.1 Models of Branchless Banking 3.1.1 Bank-led Model 19 3.1.2 Non Bank-led Model 20 3.1.3 BC/BF Model 21 3.2 Study of Initiatives taken by other banks
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Technologies Impact on Creative Expression Modern technology has shown to have many impacts on the way activities are both perceived and accomplished. Contemporary cars and airplanes enable us to travel longer distances then those that existed a century ago. Due to the use of cell phones and web-cams‚ a person can instantly connect with others on a global scale‚ figuratively transporting them across the globe with a simple call. Mass amounts of information can be gathered simply and efficiently
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genes—and thus the characteristics governed by those genes—from one species to another. Spontaneous alteration of genes takes place naturally and sometimes with no effect. A spontaneous alteration can lead to the development of both positive and negative characteristics. The method is not particularly good if the intention is to create specific changes. WHAT ARE GENETICALLY MODIFIED CROPS? Genetically modified foods are foods derived from genetically modified organisms‚ (GMOs). Genetically
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expectations in banking sector. Abstract This research explores the relationships between service quality‚ customer involvement and customer satisfaction in the highly competitive banking sector. The study sought to identify the most important attributes in bank settings‚ which may be used to review characteristics of the banks as experienced by customers. The main aim is to find out customer service quality performed by banks at present and expectations of customers from the banking service. From
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THE APPLICATION OF INFORMATION TECHNOLOGY AND IMPACT ON INDIVIDUALS‚ SOCIETY AND ORGANIZATIONS This essay seeks to evaluate application of IT in a chosen workplace and the impact it has had on individuals‚ society‚ and in organisations. It will also look at how IT application has impacted human life in terms of day to day activities in the last decade. I have chosen to look at IT applications in my household as I am currently unemployed. My household has seen an increase in use of IT appliances
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