oi Objective This report focuses on the role of Mobile Banking and its potential to provide basic banking services to the vast majority of unbanked people in world. The rationale for M- banking as an appropriate tool for transforming banking stems from two observations; traditional retail banks do not deliver services tailored to fit the currently unbanked which has led to a gap in the market. Further‚ the fast diffusion of mobile telecom networks has enabled M-banking service
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Location: Tropical cyclones occur in the northern part of Australia‚ around the periphery‚ or in the tropics. The areas most affected by tropical cyclones are Queensland and Western Australia‚ with New South Wales being one of the states rarely affected. The season for tropical cyclones in the southern hemisphere is from November to April. What is a tropical cyclone: Tropical cyclones are a type of low-pressure systems which generally form in the tropics. They are violent storms‚ which rotate
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Thank you‚ Allison‚ for the question‚ In Australia‚ aboriginal people are not only the minority but also the poorest in the in the country. Many native people are born and raised in absolute poverty and some author view poverty as a subculture of Aboriginality (Walter‚ 2007). Given that‚ few people are employed in the formal sector and yet they earn less than the white Australian these find themselves with many responsibilities of caring for the dependents in their extended families. Therefore the
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That being said‚ a shared understanding of giftedness is important to address students’ needs. Though there are many theoretical conceptions regarding giftedness‚ in Australia‚ Francois Gagne’s Differentiated Model of Giftedness and Talent (DGMGT) is the most generally accepted definition/model of giftedness and talent in Australia (aus curriculum site). In his model‚ Gange makes the distinction between gifts and talents when he likens giftedness to be ‘the possession and use of natural abilities
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Drinking is widely regarded as a socially acceptable practice and is embedded into the lifestyle of many cultures. In Australia alone‚ results from a 2015 survey reported that 86.4% of participants over the age of 18 consumed alcohol at some point in their life while 56.0% drank alcohol in the past month. It is possible for us to use alcohol safely. Many of us are able to control the amount of alcohol they drink and are known as recreational drinkers. They have the ability to refuse alcohol once
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Islam is practiced by 1.57 billion people worldwide. According to the 2011 Australian census‚ 470‚000 Australians listed Islam as their main religion. This is the fourth largest religious belief in Australia behind Christianity‚ Irreligion and Buddhism respectively. Similar to Christianity‚ Islam has many denominations (sects)‚ however the large majority of Muslims identify as followers of Sunni Islam. Sunnis are estimated to comprise over 90% of Muslims worldwide. A large majority of the remainder
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The impact on the Aboriginal and Torres Strait Islanders when Europeans settled continues in the present-day. This stems back to the past Government policies that were in place. Even though issues from the past history have been resolved it doesn’t delete it. It is visible that many Aboriginal people still encounter drawbacks due to the forced resettlements‚ children placed in institutions‚ land loss and being supplied with alcohol. Aboriginal people knew of alcohol drinks produced by various plants
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state sovereignty is quite ambiguous‚ it is both a barrier and a vehicle for the promotion and maintenance of world order. Countries with strong legal systems might use their sovereignty to prevent/ prosecute human rights offences. For instance‚ Australia has used its sovereignty to create the Criminal Code Act 1995‚ which prohibits sexual servitude. Though It can be used by governments
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Youth homelessness in australia A homeless person is without a conventional home and lacks most of the economic and social supports that a home normally affords. She/he is often cut off from the support of relatives and friends‚ she/he has few independent resources and often has no immediate means and in some cases little prospect of self support. She/he is in danger of falling below the poverty line‚ at least from time to time. There are many causes for youth homelessness. Some youths become
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| Music of Contemporary Australia | Analysing Repertoire Task | | This term‚ music has focused on the topic of “Music of Contemporary Australia.” In this assessment piece‚ two contrasting compositions by James and John Morrison‚ “Sydney by Night” and “Pinnacles”‚ will be analysed‚ compared and contrasted. Elements of music (eg. Harmony‚ rhythm‚ dynamics and texture) will be pinpointed. Explanations will also be given to describe how these elements have been used to portray the two title
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