INTERNET BANKING SERVICES IN BANKS-BOON TO CUSTOMERS | ArticlesBase.com

<p>The contemporary trends in Banking operations and services with the help of computers are quite cheering for customer. As we find information technology invading the banking sector, only banks, which used the right technology, could come out with success.  Banks are required to ‘restructure’, re-invent and reengineer themselves go meet the necessary performance improvement and get the competitive edge due to the introduction of information technology (Internet Baking) being an imperative one</p> <p><strong>Application of Information Technology</strong></p> <p><strong>Phone banking:</strong></p> <ol> <li>               Bank on phone, provides easy access for customers to have large businesses through   telephones. Data are exchanged   over the phone regarding any queries, to issue instructions on balance transfer, statement of account, cheque- book, stop payments, new schemes, interest rates etc. at any convenient time and place. Tele banking has gone a long way in providing maximum customer satisfaction within the limited infrastructure.</li> </ol> <p><strong>Automatic Teller Machines:  (ATM) </strong></p> <ol> <li>Now, the banks provide this facility in a more sophisticated way that a customer of one bank and branch can withdraw from any other banks, at any other branch, nation wide. In developed countries, this service is provided to their blue chip client globally. This is possible only through worldwide networking and communication system.</li> </ol> <p><strong>Credit cards:</strong></p> <p>               These plastic cards enable customers to spend whenever he/she wants within the prescribed limits and pay later. Debit card is a prepaid card with stored value, whereas credit card is post paid with fixed limits. It is seen that spending is higher through debit cards than with credit cards currently CITY Bank and time bank have started with Debit cards and now other banks are also following these to launch their own cards.</p> <p><strong>Electronic Funds Transfer: (EFT)</strong></p> <p>           Electronic funds transfer is a system of processing and communication of payment through electronic methods. EFT assumes greater significance in the banking system as the RBI also encourages the commercial banks to adopt this technique. Normally, payments are made through cash, cheques, drafts and credit cards. The latest in this process are the debit card system, charge, digital cash, and electronic purse and so on.</p> <p><strong>SPNS- (Shared payment network system):</strong></p> <p>                  SPNS installed by the IBA in the city of Mumbai, enables electronic banking service like cash transactions, extended hours of banking, utility payments, cheques, point of sale facilities by the SPNS can go to any ATM linked to SPNS.</p> <p><strong>Electronic Clearing Services [ECS]:</strong></p> <p>                   Electronic clearing of funds from one centre to another for handling bulk transactions like salary, interest, dividend, commission etc., has dispensed the cheques. A part of electronic clearing service is computerized clearing of cheques at metropolitan centers and linking with international communication system of SWIFT. These services have contributed in a great way towards improving the customer’s services globally. ECS was introduced in India in 1996. It has made it possible for customers to get the funds next day itself.</p> <p><strong>Point of sale [POS] terminal:</strong></p> <p>                     Payment card at a retail location for electronic transfer of fund is called POS.  The client enters his personal identification number [PIN] and confirms the amount due. Customer’s account is automatically debited with the amount of purchases and it credits the retailers account POS installed at petrol stations and large retail houses are linked to banks network.</p> <p><strong> D-Mat Accounts:</strong></p> <p> Transacting shares business through electronic media is called D-Mat.  Investor opens an account called Demat Accounts with DPS.  They get shares in electronic form.. Then they send the actual shares to the investor.  Investor pays for the opening, maintenance and collection of shares.  This has reduced the paper work, bad deliveries; loss of shares and less transaction cost.  However delays in demating, higher cost charged by the investors has not given a good start for the growth and scope of Demat in India.  Depository participant sometimes make illegal money at the cost of investors.  SEBI should find ways to over come this to give a good scope for Demat in India.</p> <p> <strong>Electronic Data Interchange-EDI:</strong></p> <p>EDI refers to the electronic exchange of structure information using telecommunication like payment orders, debits credits, statement of account etc.  As part of EDI, satellite communication network is also entering the banks.  EDI will very soon do away with branch banking and the customers will be identified as ban customer and not branch customer</p> <p><strong> E-cheques: </strong></p> <p>Digital cheque used by the payer to the payee through internet is called e-cheques.  Electronic versions of cheques are issued, received and processed.  Most of the banks use e-cheques.  A secure means of operation is provided for collecting, payments, and transferring cash flows through this method.  The payer issues a digital cheque to the payee and the entire transactions are done through internet</p> <p>  <strong>Benefits of Internet Banking Services</strong></p> <p>     1.It reduces cost of   both in services and administration</p> <p>     2. Overcoming the geographical barriers</p> <p>     3.  Cost minimized for customers</p> <p>     4. It helps to maintain customer loyalty</p> <p>     5. Web site enables banks to develop advertisement</p> <p>     6. Information technology enables banks to deliver products and services</p> <p>     7. Multimedia capabilities offer homogenous branding     </p> <p>     8. Online banking encourages promotion of various schemes of the bank</p> <p>     9. Individualized and customized services with the help of integrated customer data       </p> <p>   10. Minimizing fraud and misappropriation by inter-branch reconciliation      Convenience to customers â€" like card free banking, cash free banking provides a domain of access to banking services.</p> <p> From the discussions on the internet banking services, it is felt that, this will enable the domestic banks to challenge the competition from their foreign rivals. Further, there will be a reduction in the staff strength to a considerable extent due to the adoption of information technology and ultimately banks can provide timely services to customers to their fullest satisfaction.</p> <p> </p> <p>.    </p> <p> </p><strong>About the Author:</strong><br /><p>Dr.R.SRINIVASAN is a Post graduate in commerce and Management. He received his doctoral degree from Alagappa University in 1997. He currently teaches financial management and Research Methodology Subjects in Post graduate and Research Department of Corporate Secretaryship at Bharathidasan Government College for Women (Autonomous), Pondicherry University, Puducherry. Before Joining BGCW, he was teaching in SNR College, Coimbatore, Sindhi college, Chennai& T.S.Narayanasamy College, Chennai for eight years. He was with the industry for a short term at Salzar Electronics Pvt. Ltd, Coimbatore. He has about 20 years of teaching experience and having research experience of 15 years. His interests are in Accounting and finance, Capital Market, Quantitative Methods. He underwent the Faculty Development Programme at Indian Institute of Management Ahmedabad during 2000-01. He has presented 20 papers in national and international conferences and has published twenty papers in the areas of Finance and Human resource Management in National Journals. Co-authored a book titled, ‘Investors Protection, published by Raj Publications, New Delhi He has delivered lectures in contemporary finance topics at Pondicherry University. He is involved in consultancy projects for Godrej Saralee, Chennai in the areas of Statistical Applications. He has supervised a number of research projects in the area of corporate finance and Human Resource Management. He is the Board of examiner in corporate Secretaryship and Management for the past two decades.
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Computer TV tuner for laptop pc and computer | ArticlesBase.com

<p>When it come to choose a TV tuner card there can be two choices: The first one is hardware based and the second is software based TV tuner. Both of these will work fine in the laptops. External PC TV cards can be plugged and played in the form of USB device. <br /> <br />These TV tuner cards for laptop PC are equipped with its own software which is compatible to the laptop. This software enables one to stream hundreds of live television channels with the help of wired broadband connection. <br /> <br />The other solution is known as satellite TV software. This after installation gives access to thousands of channels in different languages. These work on both wired and wireless broadband connections and streams live channels through Internet. <br /> <br />Both of these options can be purchased by making a one time upfront payment. If I would have been given a choice I would have opted for 3000 channels package that comes not more than $50. This is economical and good to use. <br /> <br />Majority of PC tuner cards require wired connections whereas satellite television works fine with wireless connections. <br /> <br />As these computer TV tuner for Laptop PC allows you to use your laptop as a TV and digital multimedia center one can enjoy free air entertainment whenever you like and wherever you go. You have the option to record TV programs while watching live programs of TV on your laptop. <br /> <br />There are several optiosn to watch TV using a pc TV tuner online but the one I have found reliable is using the pc TV software with more than 3500 TV channels. <br /> <br />You can get more details on how to watch live TV streaming from the best website here: <em><a href="http://pcsatellitetvreviews.blogspot.com/" rel="nofollow"> Top Website to live TV Streaming Free TV </a></em></p><strong>About the Author:</strong><br /><p>Robert Edmonds is an expert in revieiwing online digital products. Read more on top free live TV streaming website to watch abc, cbs, nbc TV free online here: <i><b><a href="http://pcsatellitetvreviews.blogspot.com/" rel="nofollow"> Website for Streaming Free live TV to watch TV on On Computer </a> </b></i> or </b><br /> </b><br /> or watch live TV streaming free online, Now: <i><b><a href="http://freesatellitepctv.blogspot.com/" rel="nofollow"> Top TV tuner Sites For Free Live Fox NBC, ABC, CNN TV Streaming Online </a> </b></i></p>

Clearing Clutter From Your Home - Part 1

What are we supposed to do with all the stuff we have in our house if we don't have enough storage space or closet? Should we just close our eyes and toss it or should we buy decorative boxes to hide it? That seems to be my biggest problem. I am expecting company so I have been trying to clean house, but I keep running into the same problem that I have had for a long time. I have news articles that I want to read, paperwork I want to finish, some kind of art or computer project that I want to work on, or things that I brought home from the store that I have laying around the living room or dining room.
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<br>As I begin to clean, I must first do something with all those "extras". So, I start to gather up everything and take it to" the table" in my bedroom where nobody goes but me and my husband. The problem with that is the fact that every time I have company, that is always where the "extras" end up and" the table" has become stacked up so high that I have forgotten some of the mess underneath.
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<br>Okay, now I have to put all that stuff away but I don't have anywhere to put it. That is one of the biggest challenges in my life. I wish that I had more space to keep things that are important to me, but my home is just not big enough. So I have to decide what I want to keep and what I need to throw out. Unfortunately, many years of marriage and parenting have left me with way too much stuff to store. That leads to problems with parts of my home being messy, even if the "stuff" is very important to the family, as well as many plans and projects that are left unattended but need to be taken of.
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<br>Here are examples of some of the things that I have collected this year: birthday cards from my kids, valentine and anniversary cards from my wife and new clothes that don't fit that need to go back to the store. I have a whole box of my children's keepsakes and 12 years of pictures that I started to sort to make Christmas presents for each of my children. I have not finished the job but I still "plan" to get to it. There is a bag of baby clothes for a baby shower, plus a bag of clothes (some new and still have price tags on them), another bag of gently used clothes and assorted stuff that I have put away to give to charity. All of this stuff always ends up in my bedroom whenever company comes, and somehow they never get taken where they belong or taken back out of my bedroom.
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<br>Let us talk more about my plan. I have not finished the job but I still "plan" to get to it. There is a bag of baby clothes for a baby shower, plus a bag of clothes (some new and still have price tags on them), another bag of gently used clothes and assorted stuff that I have put away to give to charity. All of this stuff always ends up in my bedroom whenever company comes, and somehow they never get taken where they belong or taken back out of my bedroom. Please read further in part two of this article series.
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Spy Cameras – So Much to Choose From

At present, there is a complete range of security devices, which you can deploy to look after your house and family, from finger print locks to trip wires available in the market. Several devices, which were just seen in spy movies in the earlier period, currently have turn into realism. Furthermore, the prices have as well plummeted in recent times. As for now the best and most accepted security gadgets is spy camera. Dependent on the kind of the camera, you can decide to have qualified fitting or install yourself. On the other hand, several can be fixed in minutes, even multiple wireless spy cams can be fitted without any difficulty.
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<br>Wireless spy cameras use radio frequency to broadcast the videos. A lot of them come with a integrated transmitter. The electrical power is drawn from batteries and/or AC adaptor. Take care the camera is power is on and subsequently attach the receiver to a small screen. In addition, there are wireless spy cameras with a rechargeable battery. These devices can be found in the shape of a cell phone. No one can know that the cell phone is in fact a wireless camera. With this kind of camera, you won't require battery replacement. One more benefit of using these fake cell phones is they are moveable.
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<br>Spy cameras are offered in different shapes, like pens, necktie, sunglasses, and so on. These kinds of camera are appropriate for you who would like to make use of a hidden camera while traveling. Usually these kits cost hundreds of dollars. On the other hand, you can find many cheaper ones in the market. In addition, the maximum distance where the receiver is able to catch the signals is supposed to be considered as well. On an average, the maximum distance the camera and its receiver cover is around 30 meters.
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<br>Besides, there are spy cameras that come with a built-in DVR. The benefit of using these cameras is that they are difficult to spot. For sure, you can buy a spy camera and a recorder individually. One more thing to think about is the audio quality that enables for both sound as well as video recording. Be aware that not all of spy cameras are able to broadcast audio signals. Transmission frequency measured in 1.2 or 2.4 GHZ and resolution of the camera are a few other things that you should consider so as to get a spy camera that will be right for your requirements.
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<br>The attractiveness of spy cameras at present is you can hook them up to a computer to widen its usefulness. If you set up surveillance software on your computer you can also carry out remote monitoring and surveillance by means of internet without having to spend a great deal wealth. Like this, your computer acts as a DVR as well. A spy cam can be an excellent asset for home security. At present, you can come across the ones that are concealed in a variety of objects, like pen, stuffed toys, and alarm clock. On the other hand you can seek to conceal the camera in other regular things for instance within a toy or a picture frame. It relies on what you wish to achieve.
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Display Family Memories With Collage Picture Frames

<p>If you're like most people, you probably have all kinds of family photos tucked away in boxes and drawers - or photo albums if you're really organized - and you have maybe hundreds of digital photographs stored on your computer.&nbsp; Wouldn't it be nice to get more of those pictures out in the open where you can really enjoy them?&nbsp; Collage picture frames are a great solution.&nbsp; One attractive frame hanging on the wall can display a collection of photos, so you don't have to clutter up your home with all kinds of little frames.&nbsp; A large collage of photographs can provide a great focal point for a room, and even set the theme for your decor - while keeping your memories of last year's beach vacation fresh in your mind.</p><p>All kinds of picture frame solutions are on the market, from bold modern designs to sleek silver frames, from rustic wood to highly detailed wrought iron.&nbsp; Themed collage picture frames are available, bearing slogans such as Family, Baby, or Graduation.&nbsp; Choosing a frame for a collection of photos may take a little planning; you'll want a frame that harmonizes with the sizes and colors of the photos themselves as well as planning where in the home it will be displayed and how it will work with your style of decorating or your color scheme.&nbsp; And remember that there's no rule that says each space in the frame has to contain a photograph.&nbsp; A collage can be personalized by printing out your own theme, perhaps on colored paper in an attractive font, sized to fit one of the spaces in the composition.&nbsp; The same idea can be used to include a quote or saying as part of the collection.</p><p>When planning your composition, aim for a balance of colors and textures to give the collection visual variety.&nbsp; With the beach vacation idea as an example, scenes of sky, surf, and sand can be combined with colorful shots of beach balls and beach umbrellas.&nbsp; Close-ups of seashells or driftwood add a textural element.&nbsp;</p><p>Have you considered making a photo collage for a friend or family member as a gift?&nbsp; For an anniversary, consider putting together a collection that includes the couple's wedding photographs and pictures taken throughout the years of their marriage.&nbsp; A son or daughter who has recently left home will appreciate a collage of childhood and family photos.</p><p>Tom Dunn writes about the various types of <a target="_new" href="http://pictureframesreview.com/collage-picture-frames.html" rel="nofollow">collage picture frames</a> at the website <a target="_new" href="http://pictureframesreview.com/collage-picture-frames.html" rel="nofollow">http://pictureframesreview.com/collage-picture-frames.html</a></p>

Traffic Cameras

Traffic cameras are an important aspect of the transportation system in the United States. They are not the same thing as red light cameras, which are used to take pictures and video of motorists running red lights, sending the picture and ticket to the culprit. In fact, traffic cameras are used for a much different thing. Traffic cameras are used to monitor the flow of traffic, watch for accidents and other safety issues on the highway. These cameras are also helpful when it comes to figuring out which route motorists should take when heading to work, school, shopping, the big game or to family events.
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<br>Traffic cameras can be placed at intersections or anywhere else along a roadway that the local Department of Transportation seems fit. They are usually mounted to a traffic light at an intersection or on their own pole anywhere else on the roadway. They are most common on highways, freeways, motorways, auto routes and expressways. They are connected with optical fibers, which are buried either alongside the highway or underneath the highway.
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<br>The cameras are controlled at a main monitoring center where they can be turned, zoomed in, zoomed out and powered down. At the monitoring center, the feed comes in live, and the employees are trained to watch for accidents, vehicle fires, rollovers, congestion and any other safety problem that could arise on the roads. Traffic cameras are used more often than not for traffic reporting services. If the cameras are run by the state's Department of Transportation, then traffic reporting services in the area usually have access to them to accurately report backups, delays, gridlock, accidents, road closures and construction zones.
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<br>When traffic cameras are being monitored, the employees at the main monitoring base are there to dispatch road assistance for flat tires and stalled vehicles and to dispatch emergency services for accidents, vehicle fires, rollovers and for anyone that is having a health problem while on the roadway. Traffic cameras are used in underwater tunnels and tunnels that run through mountains all across the United States. When traveling in a tunnel, motorists usually lose their cell phone service because they are underwater or inside of the Earth.
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<br>By having traffic cameras in tunnels, the monitoring station can notify local police, fire and EMS of any accidents or safety problems inside the tunnel since the motorists will not be able to use their cell phones. Having traffic cameras inside tunnels makes it easier and quicker to dispatch emergency services, which some cameras can do remotely, via different sensors placed within the tunnel near the cameras.
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<br>The use of traffic cameras on the roadways, when dispatching emergency services, is helpful because the emergency services can be placed at a certain mile marker. The monitoring center has a log of all the cameras in their jurisdiction and at what mile marker the cameras are located. This allows for quicker response time by emergency services because they can plug the mile marker into their computer and navigate directly to the site of the incident.
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Why You Need a Flight Simulator Joystick

<p>Your son has gotten into the computer lately. But what he likes are not the war games, thankfully, but flight stimulation. You decide to set him up with a really nice game for his birthday. But what exactly will you need? You didn't really grow up with games like this yourself, though you're getting more interested as a way to connect with your son. Together you have discovered the beauty of the game, giving you the sensation of actual flying. You can buy games to make your experience very life-like, going through all the pre-flight work that real pilots do. But in order to get the full sensation experience, you are going to need a flight simulator joystick.</p><p>What should you look for in a flight simulator joystick? First of all, you do not want anything that jiggles randomly. You will want a joystick that turns on a full 360 degree axis. You should also look for an analog throttle, which allows you to control fuel input. The joystick connects to your computer through a USB port, so make sure that your computer has an extra one available. If you want to go all out, get a joystick that have pedals with it. Another thing to keep in mind is that you will want as many programming options as you can get.</p><p>A flight simulator joystick can cost you anywhere from 20 to 200 dollars. You should make sure that the accessory that you purchase comes with a warranty. Try several different joysticks out and determine which is the most comfortable for you and your son. That does not mean that you should not buy your joystick online. It does mean that you'll want to go to the store to try different systems out first.</p><p>Rest assured, I have tested out nearly every Flight Sim on the market today, and I have found one which I can personally recommend.<br> Stop wasting your money and time on disappointing flight simulators.</p><p>I have put them all through the test and after hundreds of hours flying I have finally found a winner and I can guarantee it will be the closest you will get to a <a target="_new" href="http://www.flightprosim.info/" rel="nofollow">Real Life Flying experience</a> without actually leaving your house.</p><p>George Cayley<br> Independent Reviewer<br> Check out what I have found out at:<br> <a target="_new" href="http://www.FlightProSim.net" rel="nofollow">http://www.FlightProSim.net</a></p>