Impact Of Technology In Banking

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In the world of banking and finance nothing stands still. The largest change of all is in the, scope of the business of banking. Banking in its traditional from is concerned with the acceptance of deposits from the customers, the lending of surplus of deposited money to suitable customers who wish to borrow and transfer of funds. Apart from traditional business, banks now a days provide a wide range of services to satisfy the financial and non financial needs of all types of customers from the smallest account holder to the largest company and in some cases of non customers. The range of services offered differences from bank to bank depending primarily on the type and size of the bank.

RESERVE BANK'S EARLY INITIATIVES
As a central bank in a developing country, the Reserve Bank of India (RBI) has adopted development of the banking and financial market as one of its prime objectives. "Institutional development" was the hallmark of this approach from 1950s to 1970s. In the 1980s, the Reserve Bank focused on "improvements in the productivity" of the banking sector. Being convinced that technology is the key for improving productivity, the Reserve Bank took several initiatives to popularize usage of technology by banks in India.

Periodically, almost once in five years since the early 1980s, the Reserve Bank appointed committees and working groups to decide on and recommend the appropriate use of technology by banks to give the circumstances and the need. These committees are as follows:
-Rangarajan committee -1 in early 1980s.
-Rangarajan committee -11 in late 1980s.
-Saraf working group in early 1990s.
-Vasudevan working group in late 1990s.
-Barman working group in early 2000s.

Based on the recommendations of these committees and working groups, the Reserve Bank issued viable guidelines for the banks. In the 1980s, usage of technology for the back office operations of the banks predominated the scene. It was in the form of accounting of transactions and collection of MIS. In the inter-bank payment systems, it was in the form of clearing and settlement using the MICR technology.

Two momentous decisions of the Reserve Bank in the 1990s changed the scenario for ever there are:
a) The prescription of compulsory usage of technology in full measure by the new private sector banks as a precondition of the license and
b) The establishment of an exclusive research institute for banking technology institute for development and research in Banking Technology.

As the new private sector banks came on the scene as technology-savvy banks and offered several innovative products at the front office for the customers based on technology, the demonstration effect addressed on the reset of the banks. Multi channel offerings like machine based (ATMs and pc-Banking), card based (credit / Debit / Smart cards), Communication based (Tele-Banking and Internet Banking) ushered in Anytime and Anywhere Banking by the banks in India. The IDRBT has been instrumental in establishing a safe and secure state of the art communication backbone in the of the Indian Financial …

SEO Books And Affiliate Marketing Ebooks

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SEO Books are available on the market since the popularity of Google, the worlds largest and Fastest growing Internet Company. With SEO Books topping first the Affiliate marketing Ebooks stands second. Here we will be looking at both, The SEO Books and Affiliate Marketing Ebooks which are hot in the market not only in sales but in content too.

SEO Books That top the Industry

The first SEO book which we bought and read through from start to end was that of Brad Callen. The SEO book came literally free for its content. It blew our mind as it gave out a lot of content which many people thought was obvious but never implemented. The books which he gave out free cost a lot of money elsewhere.

There are very few books which are available on SEO in the market. The reason is the Changing trends in SEO technology today. What works today does not seem to work tomorrow. Every thing changes in a few minutes on the internet and so does SEO.

Affiliate Marketing Ebooks is another Story altogether.

It started with eBay and then Clickbank and then CJ and today there are a lot of sites doing the Affiliate marketing thing. When it comes to affiliate marketing ebooks there are a lot of people to choose from. It’s just the question of who is giving you the inside information. Claims are sky high, but results are negligible when it comes to those street side writers on Affiliate marketing. Choosing the right author is the key.

With 1000’s of books in the market, the key is always finding the right person with the right information before you buy any ebook online. Read the reviews and see that you are getting what you need now and also in the future. If the book is going to give you only what you know, then the investment is not worth it after all.…

Writing Articles for Search Engine Optimization

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One comes across a lot of articles these days on the different websites and many of them look so obvious that they were written primarily just for the search engines. Most of these articles are easy to be identified because they are stuffed with keywords and contain nothing really useful. I accept that writing for the search engine is definitely not bad at all, but writing only for the search engine sounds so funny in the first place. But probably many have done that kind of SEO work and ranked better in the past. However as technology is fast catching up, I am sure these things will change and one would not have to repeat keywords in an absurd fashion just to attract the search engines. All those SEO professionals / content writers or others who write and publish SEO articles have some basic business objectives. These are,

  • Providing information
  • Get a higher rank
  • Better linking with other sites

If the website does not provide some useful information then the purpose of the article itself is lost. One may be able to attract good number of people into the website and into the page, but if the visitors do not find the article useful or interesting, they may immediately click out of the page. Distribution of an article that is not well written will not be appreciated and linked to by other sites. Thus the published article must,

  • Be relevant
  • Be useful to the audience
  • Must be Informational
  • Simple and well written
  • Must retain the reader's interesting
  • Use variation of the key phrase instead of repeating
  • Avoid over repetition of keyword
  • Be targeted at the target audience
  • Help the reader with info / otherwise

Today writing articles and submission to different article directories on the web is also a very powerful SEO strategy that can greatly enhance a website's visibility on the net. …

Comcast – First Choice For Entertainment & Home Telecommunications

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When you shop around for telecommunications services for your home, there are probably three major things that you're looking for: TV, Internet (Broadband), and phone service. In the past getting all three of them meal shopping around and eventually deciding on three different companies. Now though, you can get all three of those services from Comcast. The fact that all three different services are bundled together and all offered by the same company means that you save money by having all of them combined and only have to deal with paying one bill for all three every month.

Comcast's TV service is especially impressive because it's transmitted over cable and is completely digital. That means you'll receive a crystal clear picture no matter what the weather is doing. It also means that you can receive a lot more channels than you could from older cable TV providers in the past. In fact, Comcast can provide you with well over two hundred and sixty five of the best channels available today. These channels include your local channels, movie packages from all of the largest names in cable movie channels, HDTV channels, and digital music channels. The HD channels are really impressive because of the fact that they carry programming in High Definition Television which is the TV format of the future. High Definition (HD) programming will bring the theater experience right into your living room with it's high resolution, wide screen picture, and incredible Dolby Digital 5.1 Surround Sound! Along with all of those other channels, you'll receive all of the most popular national cable channels currently available.

Another advantage that Comcast offers you is the ability to choose your cable TV programming package. Programming packages from Comcast range in size from very basic packages with your local channels and the music channels All the way up to the most massive programming package possible. In between are a variety of packages of other sizes so that you can always find something that meets your needs and budget.

Comcast's phone service is just as impressive as its digital cable TV service. The phone service is actually based on digital technology just like the TV, which means that it provides you with excellent sound quality and plenty of extra features included at no extra charge. For example, with Comcast's digital voice service you can make as many calls as you want anywhere in the US and Canada and talk as long as you want without any increase in your phone bill! Another great benefit of digital phone service is that you'll have access to all of the features that other phone companies invariably charge extra for, but you'll get them at no extra charge!

The high speed Internet access that's provided by Comcast is also really impressive because it offers download speeds that can be up to one hundred times faster than what you can obtain with dial up. With that kind of speed, the Internet will be your playground, literally, with the …

Verseo EGlide Electrolysis Technology Review

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Traditional electrolysis systems are based on the technology in which an electric current is passed to the root of the hair in order to destroy it. When the root of the hair is destroyed the hair will not grow again and the skin will stay hair free and smooth. For this reason the only true permanent hair removal method approved by the FDA is the electrolysis hair removal. All other methods like lasers and IPL are permanent ‘reduction’ and not permanent hair removal solutions.

In the traditional electrolysis, the hair technician inserts a thin electric needle to each and every hair follicle, and sends a short electric current to the root, which destroys the hair root.

The main downside is that traditional electrolysis sessions take a lot of time to complete. Doing upper lip or underarms hair removal session, may not be that long, but when it comes to larger skin surface areas like the back or legs, electrolysis is not a suitable solution. It can take endless hours to complete a leg or back, and each session costs much.

The main three advantages for electrolysis is that:

  1. It is true permanent hair removal.
  2. It can be done on all skin colors (there is no risk of burns like dark skin with laser).
  3. It is safe for facial use (while laser & IPL are not).

The main down side of regular electrolysis is that it can take forever to complete larger skin areas and it is very difficult to be done alone, you usually need an electrolysis technician for such treatment.

The Verseo eGlide Roller uses a different kind of technology which is called galvanic electrolysis. In this technology the current is not used to reach the hair roots, it is used to cause a chemical reaction.

With the galvanic method a gel is placed on the treated area and is rubbed to the skin. The gel needs to reach and fill all the hair follicles. Then the Verso eGlide roller emits safe electrical energy that reacts with the special gel. This direct current to converts normal body salt and water in the follicle into a chemical compound capable of destroying the dermal papilla.

The dermal papilla is the foundation of hair growth at the base of the follicle, when this dermal papilla is destroyed the hair will not grow again.

Through this method the chemical reaction only occurs in the follicle and does not affect other skin areas. This method is safe for all skin colors and for facial usage too.

One other advantage of the galvanic electrolysis is that it is a faster treatment option, so like its name ‘roller’ the eGlide can cover larger skin areas at less time than regular hair by hair hunt with a needle.…

7 SEO Rules of Thumb You Can Always Count On

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Recently, Google modified its search engine technology to show results – almost letter by letter- as one types his or her search words. Google Instant, as it is now called, focuses on showing results on every word type. Similar to the popular game show "Wheel of Fortune" Google Instant helps jog one's memory by suggesting how search words may be categorized by its engine's indexing. So, for example, if I were to begin typing "pizza," a drop down menu would appear suggesting related key word combinations that would include everything from "pizza dough" to Pizza Hut. "

Until now, SEO never focused on randomized virtual keywords that cover all the possibilities of a search. The almost sudden change has brought up a very worrisome question: how much will Google Instant change the rules that many of us currently follow to create strong SEO content? By the way, we can also all imagine just how much more confused and fearful are those, who may still not be altogether comfortable with SEO in the first place. Most small local businesses looking to reach a larger, more locally-targeted audience using the latest SEO and GEO local SEO search engine indexing strategies.

How Google Instant may change things is not yet fully known. But, no matter what the search engine gurus decide to do, the basic principles and rules of thumb for all of us promise to remain the same:

1.Existing SEO rules still apply until they no longer do. We need to do whatever gets us the best results.

2. Relevance remains important for search engine rankings. We do not see that ever changing.

3. Our Anchor text must be the same as our targeted keywords. Keyword familiarity remains important. There are a great many free tools available on the web to help you. Common sense may be the best tool of all. And, do not forget to consider keyword phrases people may commonly use to search for you.

4. Creating – very specific – ongoing content is tantamount to ranking high among the search engines.

5. Do not keyword stuff (on your website, blogs or elsewhere). Place keywords within your content where you can without making your readers suffer through a ton of unnecessary verbiage.

6. Seek links with general and industry-specific directories and then concentrate on reciprocal link building. If your links are valid, the value of this process should remain worthwhile.

7. Continue to monitor Google and others like Yahoo! and MSN for your targeted phrases. Review your stats and see where the traffic is coming from. Here is where you will soon be able to tell whether more needs to be done to improve your ranking, no matter how the SEO rules may change.

Search engines are built and often modified to prevent us all from gaining an edge on their methodologies and technologies. If you continue to pay attention to the seven points listed above, they will not lead you wrong, no matter what Google and the other …

The Relationship Between Science, Technology, and Society

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Science and technology is the best thing society could ever ask for. Since the industrial revolution in the 18th century science has been in progress. Some sectors that have been boosted by science and technology are energy, physical sciences, information and communication. The society has greatly gained with the invention of technology.

Infrastructure in the society has grown with the help of science and technology. Modes of transport like electronic railway lines were realized and these actually benefited the society by offering them a better means of transport. In the past, almost everything was analog but thanks to the science and technology we are now being digitalized by the day. The invention of the telephone and radio services has broadened human communication.

Without society then there would be no science and technology and that is why the invention of certain tools and equipment have helped achieve big things. Society can not do without the industries we have today. The society needs science and technology. The creation of computers is work of art by individuals was a milestone that would come a long way in helping the society. A computer helps us to leverage ourselves by gaining valuable information that we can use to enrich our lives. The impact of science and technology can seriously be recognized. Many people around the world take for example scholars in colleges and universities have taken the lead examining the relationship between science and technology.

The evaluation of this relationship has emerged as an important area of research. Public interest groups and academic organizations throughout the world are recognizing the importance of STS. The reason is that people need to recognize that there are people who are affected by the science and technology. Controversies such as modified foods, stem cell research are the issues that have brought policy makers and scientists together to have a way forward on this.

Science and technology has actually largely contributed to the vision of man about himself. Science has been modified the opinion about the origin of man and place of origin too. Through the results of scientific discoveries the perception of man about his behavior and his place of origin has been modified diversly. Experiments in science today are in one way or another affecting the society.Take for example the experiment on cloning a human being. The experiment brought a lot of controversy since the society was skeptical about it.

How is science and technology related to society: The developing world has a long tradition of participatory action research, popular education and community organization joining up to solve some science and technology issues that affect the society. How is science and technology related to the society is something that is calling even for the government intervention. Science and technology related issues are actually been discussed worldwide today. Progress in this has resulted to the ability to produce diverse types of material items. Answering the question how science and technology is related to society.…

Differences Among SSD And HDD

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Compared with the typical utilized hard drive, SSD is superior in study-write sped, totally free noises, wide functioning temperature variety, crash-resistant and so on. But the limits of SSD are its study-create times and greater value. Numerous men and women know that information ssd drive data recovery on SSD is not as straightforward as on typical challenging disk. On a widespread difficult drive, if you delete a file, only the index be erased and the content material is nonetheless stored on the drive until they are overwritten by new information. Even so, it is clear that SSD can’t be utilized for all computer systems due to some limitations. After the Windows recognize the SSD and support TRIM command, it does not tag the deleted files but eliminates them instantly. The SSD Brands include Adata, Corsair, Vital, SanDisk, Samsung, Patriot, Intel, Kingston, Plextor, OCZ Vertex, and Mushkin and so on.

A lot of men and women know that information here on SSD is not as effortless as on common challenging disk. On a frequent hard drive, if you delete a file, only the index be erased and the content is nevertheless stored on the drive until they are overwritten by new information. Nevertheless, it is clear that SSD cannot be used for all computer systems due to some limitations. After the Windows recognize the SSD and help TRIM command, it does not tag the deleted files but removes them right away. The SSD Brands include Adata, Corsair, Crucial, SanDisk, Samsung, Patriot, Intel, Kingston, Plextor, OCZ Vertex, and Mushkin and so on.

Numerous men and women know that data recovery on SSD is not as straightforward as on common tough disk. On a frequent difficult drive, if you delete a file, only the index be erased and the content is nonetheless stored on the drive until they are overwritten by new information. Nonetheless, it is clear that SSD can’t be utilized for all computers due to some limitations. As soon as the Windows recognize the SSD and assistance TRIM command, it does not tag the deleted files but eliminates them instantly. The SSD Brands contain Adata, Corsair, Essential, SanDisk, Samsung, Patriot, Intel, Kingston, Plextor, OCZ Vertex, and Mushkin and so on.

Impact of New Technologies by 2030

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According to the 2012 report, Global Trends 2030: Alternative Worlds, published the US National Intelligence Council, four technology arenas will shape global economic, social and military developments by 2030. They are information technologies, automation and manufacturing technologies, resource technologies, and health technologies.

Information technologies

Three technological developments with an IT focus have the power to change the way we will live, do business and protect ourselves before 2030.

1. Solutions for storage and processing large quantities of data, including "big data", will provide increased opportunities for Governments and commercial organizations to "know" their customers better. The technology is here but customers may object to collection of so much data. In any event, these solutions will likely herald a coming economic boom in North America.

2. Social networking technologies help individual users to form online social networks with other users. They are becoming part of the fabric of online existence, as leading services integrate social functions into everything else an individual might do online. Social networks enable useful as well as dangerous communications across diverse user groups and geopolitical boundaries.

3. Smart cities are urban environments that leverage information technology-based solutions to maximize citizens' economic productivity and quality of life while minimizing resources consumption and environmental degradation.

Automation and manufacturing technologies

As manufacturing has gone global in the last two decades, a global ecosystem of manufacturers, suppliers, and logistics companies has formed. New manufacturing and automation technologies have the potential to change work patterns in both the developed and developing worlds.

1. Robotics is today in use in a range of civil and military applications. Over 1.2 million industrial robots are already in daily operations round the world and there are increasing applications for non-industrial robots. The US military has thousands of robots in battlefields, home robots vacuum homes and cut lawns, and hospital robots patrol corridors and distribute supplies. Their use will increase in the coming years, and with enhanced cognitive abilities, robotics could be hugely disruptive to the current global supply chain system and the traditional job allocations along supply chains.

2. 3D printing (additive manufacturing) technologies allow a machine to build an object by adding one layer of material at a time. 3D printing is already in use to make models from plastics in sectors such as consumers products and the automobile and aerospace industries. By 2030, 3D printing could replace some conventional mass production, particularly for short production runs or where mass customization has high value.

3. Autonomous vehicles are mostly in use today in the military and for specific tasks eg in the mining industry. By 2030, autonomous vehicles could transform military operations, conflict resolution, transportation and geo-prospecting, while simultaneously introducing new security risks that could be difficult to address. At the consumer level, Google has been testing for the past few years a driverless car.

Resource technologies

Technological advances will be required to accommodate increasing demand for resources owed to global population growth and economic advances in today's underdeveloped countries. Such advances can affect the …

SEO Technology – Know Your Competition

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Webmasters looking to implement SEO technology to increase web traffic often underestimate the importance of knowing what your competition is doing to achieve high rankings. Using one of the latest software tools in SEO technology can help identify your competition and analyze their sites to know exactly what they are doing.

Being able to analyze immediately and break down a high ranking competitor site and know what keywords they are using, who is back linking to them can provide a great starting point to implementing your own effective SEO technology.

It used to be that you had to rely on a so-called SEO expert to help get traffic going to your website and that can cost hundreds or thousands of dollars per site and does not allow you the ability to monitor daily things like back links, search rankings and competitor site changes.

Recently there have been great software tools available that, for a fraction of the cost allow you to implement your own SEO technology and monitor a whole host of key factors on a daily basis. You can find out what sites are back linking to your and if they are favorable back links. You can also find out where you list within any of the major search engine results compared to those competitors you can analyze to make the necessary changes to improve search engine rankings.

Competitor research is without a doubt one of the very best ways to start your own implementation. Knowing what they are doing and being able to not only use this information but improve upon it to move ahead of your competitors can make the difference between little search results and massive amounts of site visitors. …