The Speech On Animal Testing Philosophy Essay

The Speech On Animal Testing Philosophy Essay Good morning, ladies and gentlemen, it is great to be here with you all on this marvellous morning. I am here to convince all of you to oppose, stop and disengage from the cruel, detrimental and unnecessary animal testing. Do you know that the lipstick, the eyeshadow and the mascara we use to make ourselves look more attractive have poisoned hundreds of thousands of innocent animals? Do you know that the hairspray, the hair gel and the perfume we use to make ourselves look smarter have blinded hundreds of thousands of innocent animals? Do you know that even the toothpaste, the shampoo and the soap we use everyday have killed hundreds of thousands of innocent animals? If your answer is No, now is the time for all of us to know it. Animal testing is not only a research to find cures for human diseases, it is also an experimentation to establish safety of various products such as daily necessities, cosmetic products and medicines. To produce a safe product for us, numerous animals have died in laboratories. To ensure our health, numerous animals have tortured in laboratories. To let us stay away from diseases, numerous animals have gone through the unbearable aches and pains in laboratories. An overview of animal testing of People for the Ethical Treatment of Animals has judged us guilty of killing nearly 100 million of animals in research laboratories every year. Each year, nearly 100 million of animals have been burned, poisoned and starved. Each year, nearly 100 million of animals have been dosed with poisonous elements, driven insane and deliberately infected with diseases such as cancer, diabetes and AIDS. Each year, nearly 100 million of animals, their eyes are removed, their brains are damaged and their bones are broken. Each year, nearly 100 million of animals have been brutally abused, mercilessly tortured and defencelessly killed for human benefits. Did they deserve such cruel and brutal treatment? They died for genetics research, for biomedical research, for xenotransplantation, for physiological research, for medical research, for drug testing and for toxicology tests. Perhaps you may say these tests and researches are for a good cause, but is it a really good cause that numerous innocent animals are caged up, tortured and sacrificed to achieve? Perhaps you may say these tests and researches are good for your safety, but is the chemical reaction on an animal same as the one on a human being? Perhaps you may say these tests and researches are good for your health, but can these tests and researches reliably predict effects in humans? Are there no any side effects on human beings? Scientists and researchers claimed that they have unlimited access to animals for experiments in order to find cures for human diseases. Yet, animal testing has actually endangered the life of human beings as the results from animal testing cannot be applied to humans. According to PETAs fact sheet, they argued that In many cases, animal studies do not just hurt animals and waste money, they kill people too. Some drugs were all tested on animals and judged safe but had devastating consequences for the humans who used them. Have all of us thought that why this would happen? The answer is very simple. This is because animals and humans are completely different from each other. As Dr. Arie Brecher said, No animal species can serve as an experimental model for man. Scientists should ask themselves; do dogs have the same DNA as us? Do cats have the same genetic characteristic as us? Do rabbits or rats have the same body cell as us? It is absolutely ironic when scientists answer No to these questions while they are still using human benefits as an unacceptable and unconvincing excuse to perform the practice of animal experimentation. Thus, should we still keep our faith in scientists and researchers ability to find a cure via animal testing? Should we still believe in those products which have made millions of rabbits blind? Should we still depend on and rely on such an inaccurate experimentation to cure our diseases? For me, the answer to these questions is No. It should also be the answer of yours, the answer of our humane society, the answer of our country, the answer of all the five continents and the answer of the entire world. We have no the right to use animals as the subject for any researches or experimentations just as we do not have the right to experiment on humans without their consent. We should respect the right of all species just as we respects the right of all people. We should pitch in with the work against animal testing and stand up for animal rights, for the animals tortured and yelled behind laboratory doors just as we stand up for our own right. Like Sri Aurobindo said, Life is life whether in a cat, or dog or man. There is no difference there between a cat or a man. The idea of difference is a human conception for mans own advantage. Any of us who donates to a medical charity is actually assisting to fund the research involving animal testing. We fund to cover the expenses of cage, the expenses of feed and the expenses of experimental materials. We fund to provide and purchase animals as experimental subject. We fund to blind, scald and poison animals. Animals are just like our family, friends and companions. Is it right for us to provide money that causes our family, friends and companions to be subjected to medical research? Animals are just like us, they are creatures which created by god. Just like us, they have feelings. Just like us, they are able to feel pain, hunger and thirst. Just like us, they will grieve over loved ones they have lost. We should try to imagine the feeling of animals. We should imagine if we were massacred by those wild and ferocious animals and nobody is trying to save us. Imagine if we were living inside a small cage and waiting to die in vain. Imagine if we had no any control of our own life and had no any freedom. Imagine if we were forced to be injected with drugs or toxic substances when we had never even done anything. With modern technology that we have created these days, animal testing is really an unreliable, unscientific and unnecessary experimentation. Nowadays, we have plenty of alternatives which have a much higher percentage of success than animal testing. Instead of animal testing, we can use human cell culture systems; instead of animal testing, we can use computer mathematical models; instead of animal testing, we can use artificial human skin and eyes that mimic the bodys natural properties. I believe that with the changes in technology these days, we are able to find more ways and methods that scientists and researchers can do research without involving any cruelties and causing any harm to any creatures. Now, let us stop buying and using the products tested on animals. Now, let us save the ship of animal rights that had sunk to the bottom of the sea of humans ignorance, rudeness and curiosity. Now, let us dig up the roots of cruelty and start sowing the seeds of humanism all over the world. Now, let us start it today. Thank you very much.

Euthanasia Should Be Legalized

Euthanasia should be legalized The gift of life is the most precious gift of god to us. but all the good things have some gray shades. If our loved one is suffering from a long lasting illness, sans any hope of recovery, should we take the easy way out and go with euthanasia, or should one allow the patient to suffer in hope of a miracle. Nowadays,how often we see a person’s life being wasted away on the hospital beds after being through a terrible accident or health problem, when there is no scope of improvement. They go through a terrible ordeal not only physically but also emotionally And they are not the sole sufferers. Along with them suffer their loved ones. The life of such patients become living hell. Therefore, euthanasia should be legalized. Mercy killing of such people will be like doing them kindness, after their content lives and saving them from going through living torture. As it is better to have a short,happy and content life as opposed to a long one full of sufferings. Today is the era of cut throat competition. As the professionalism increases, people find less and less time for their family. When their family member is terribly ill without any hope of recovery, he becomes a burden on them. According to them, he has now not only become incapable and dependent on others, but also demand their time, money and care. As people have become sagacious, they see euthanasia as an easy option to get rid of their ‘burden’ as well as responsibility. Making euthanasia legal will give such people open license to murder and move on with their lives. in my opinion, euthanasia should not be legalised, but it should be an available option for those whose chances of recovery are way to bleak. If the case is genuine, that is, the patient is alive only on ventilators and shows no sign of improvement for some years, then euthanasia would be a better option. But if the family of the patient are only looking for an easy way out, then it should not be granted. It all depends on the nature of the case as well as the circumstances. Making euthanasia legal will always be a debatable issue. Humans by nature are strongly bonded to their loved ones, and in general will only go for euthanasia,if all the doors close and even the last ray of hope has been extinguished. But when the time comes in life to make this decision, it is essential for ourselves to use not only our minds but also our hearts.

Mythological Criticism on Harry Potter - 826 Words

Harry Potter series is mythological with allusions associated with Greek, the Arthurian legend, Biblical, Roman, medieval and many other folklore. For instance, a faithful dog of the Orion named Sirius in Greek mythology as to Sirius Black in Harry Potter and the Prisoner of Azkaban. Sirius Black is a friend of Harry’s father and an Animagus (Garza), which is a wizard that can change into any animal at his willpower. From the books to the â€Å"movies† Harry Potter does have a connection with magical fantasy and mythological literature through pathways to different worlds, name associations with mythological stories and the ideas of immortality. The Platform Nine and Three Quarters is the entrance for Harry to go into the wizardry world, and it is the imagination between two different worlds, â€Å"The Wizarding world to an Arthurian world† (Garza). The other side of the world where pupils go for witchcraft and wizardry called, Hogwarts, is a place that could n ot be reached by â€Å"Muggles† (Doniger) and is â€Å"inhibited by wizards who are not humans† (Neye and Kriwett). Hogwarts is similar in comparison to the Greek mountain, Olympus, where the gods and goddesses lived. Hogwarts is a modern version of boarding school for multiracial boys and girls in an English setting. Muggles are not able to enter Hogwarts as humans not entering the Olympus. In the Arthurian legend, Professor Dumbledore would be closely associated with Merlin, a main character in the stories of King Arthur. Merlin isShow MoreRelatedOverview The Hero’s Adventure was created for the reflective professional struggling with2600 Words   |  11 PagesWhether big or small, a heroes life is ultimately seen as heroic and unforgettable in the eyes of human. Joseph Campbell’s work identifies hero’s from around the world and believes that hero’s are a popular topic to write about. Campbell focuses on mythological heroes and their significance to the physical and spiritual deeds. He calls this quest the monomyth. The film, Star Wars by George Lucas was based primarily off Campbell’s idea of a journey. This teaching guide has been created to educate students

Internet Banking Is Gaining Popularity Finance Essay - Free Essay Example

Sample details Pages: 12 Words: 3736 Downloads: 6 Date added: 2017/06/26 Category Finance Essay Type Narrative essay Did you like this example? Internet banking is gaining popularity in the banking industry and the regulatory community. This is due to the reflection of internet as a tool for commercial activity. This can also take place due to a strong potential that banking along with other financial services, provides an environment for the development of e-commerce. Don’t waste time! Our writers will create an original "Internet Banking Is Gaining Popularity Finance Essay" essay for you Create order At its core, banking involves the collection, storage, transfer and processing of information assets and the Internet is a powerful and efficient tool for handling these information processes. Banking through internet has emerged as a strategic resource for achieving higher efficiency, control of operations and reduction of cost by replacing paper based and labour intensive methods with automated processes thus leading to higher productivity and profitability. In India, a wider array of financial products and services has become available over the Internet which has thus become an important distribution channel for a number of banks. Banks boost technology investment spending strongly to address revenue, cost and competitiveness concerns. For some activities, banks hope to see a near-term impact on profitability. Other investments are motivated more by a desire to establish a competitive position or avoid falling behind the competition. DEFINITION Electronic banking, also known as e-banking, virtual banking and online banking, is a service that allows customers to access their bank information, conduct financial transactions, make deposits, withdrawals and pay bills through the Internet without having to physically visit their bank. It provides the convenience of accessing banking facilities from the comfort of their home or office. Internet banking is the facility for the customers to use the Internet, a decentralized electronic network with worldwide access, to obtain account/ custody account information and place payment and securities orders. Safe data transmission channels protect the confidentiality of the information conveyed. Internet banking is one form of Home banking.ÂÂ   INTERNET BANKING SERVICES PROVIDED BY BANKS View Your own accounts and your related ones Credit and Debit cards Funds Time deposit, Saving certificates Loans Treasury bonds Latest transactions of current month View, print and save your monthly statements Transfer Funds between your accounts To another bank account (Digital signature required) To your credit card To another banks credit card (Digital Signature required) Request Cheque book To change your mailing address To inquire or complain To add related accountÂÂ   (Power of attorney, parent/child or account with different customer number) To make External transfer ( Digital signature required ) Digital Signature registration Also Stop your credit card Subscribe in Alerts service (SMS /E mail) 1.2 GENESIS OF THE PROBLEM Pure online banking, the development of internet websites as a delivery channel, or traditional banking does not have the same implications. Internet may be exploited as a new delivery channel by the financial services industry to completely re-organize the structure of banks. The new challenges of the delivery channel is been explored through this research. 1.3 NEED FOR THE STUDY Internet banking is receiving great attention in the banking industry and the community. Internet banking has been looked upon from customers point of view and the risks involved in the implementation of internet banking. This research aims at studying the bankers point of view and the challenges faced by them, with reference to the market developments. 1.4 OVERVIEW OF THE STUDY Internet banking has become the new bloom in the banking industry and the community. The research focuses on bankers perspective of internet banking and the impact it has created on the banks. Also the challenges the employees have faced in due respect with the implementation of internet banking in their banks. The research also studies the financial impact on the banks performance and the growth over the years. CHAPTER 2- REVIEW OF LITERATURE 2.1 IMPORTANCE OF REVIEW OF RELATED LITERATURE The study which I am taking as a part of this project is descriptive in nature and most of the studies concentrate only on the customers point of view of internet banking. This research will highlight the bankers point of view of internet banking and the various benefits it has provided and supported them in their operations. Literature review describes how the proposed research is related to prior research and determines the originality and relevance of the proposed research. 2.2 HOW THE REVIEW HAS BEEN DONE The review of literature has been extracted from research papers in similar fields of the topic and includes study of research papers from Proquest and online resources. The research papers were examined and an understanding of the paper was undertaken to highlight the findings of various researchers and scholars. 2.3 STUDIES CONDUCTED 1. The Impact of Internet Banking on Bank Performance and Risk- The Indian Experience- By PoojaMalhotra and Balwinder Singh The study reveals that out of 85 scheduled commercial banks, only 57% i.e. 48 banks, use net banking in their organizations. A univariate analysis was used which showed that large banks use internet banking and they have better operating ratios and profitability as compared to the non- internet banks. These banks rely on their core deposits as a basis of funding. Another tool used in the study was the multiple regression analysis which revealed that profitability and offering of internet banking doesnt have any impact on each other. Rather internet banking has a negative impact on profitability with the risk involved. Also internet banking affects positively the performance of foreign banks in terms of Return on Equity. Thus the study concludes that internet banking has helped the banks in reducing the risk profile with the advent of internet banking. 2. Online Banking Customers: Insights from Germany- By Sven Christian Berger and Sonja Gensler The research is studied based on interviews with German banking customers belonging to private households in Germany. The study includes factors such as demographics, product interest and use, risk aversion, direct banking affinity and bank use. The study reveals that online banking customers are willing to accept risks in exchange for higher interest rates and have high demand for banking products. For retail banks, profitable online banking customers are among the most promising customer segments and need to be given a top priority. 3.Internet Banking in Europe: a comparative analysis- By Francesca Arnaboldi1 and Peter Claeys According to the research conducted technological innovation boosts internet banking. The strategy of the banks to incorporate internet banking is to have a competitive edge on their business models. Researchers give importance to internet banking an effective and innovative delivery channel which represents new challenges in the financial sector. They are of the view that internet banking to the banks is a complementary product and not a substitute product for physical branches. It gives an insight into the market competitiveness and the overall expenditure involved including the RD expenditure. Taking due consideration of all the expenditures involved, the study revealed that internet banking has led to an increase in the return on assets and equity and also reduces operating costs. Increased internet access has enhanced network building with prospective clients and thus boosts the profit potential for the banks. 4. Changing Face of Banks and the Evaluation of Internet Banking in Turkey- By Bora Aktan and EdipTeker The study states the in todays competitive world with growing importance of technology and internet, banks need to adopt internet banking in order to keep in pace with client- banker service relationship and to attract prospective clients. Commercial banks are slowly becoming aware of the need and importance of the adoption of internet in their business operations. Internet banking is an emerging market with its growing potentiality and thus a key competitive field for future financial services among its young population. 5. Internet banking in Sweden- An exploratory study on its Symbiotic Benefits- By Solomon Okhiria The study highlighted the growing importance of use of internet banking by banks with their clients that lead to a number of additions and deductions on the value creation. The study was conducted in lieu of the statement that internet banking provides value to both the bank and its customers. The results provide an insight on the high rate of adoption of internet banking and the values the banks and their customers have benefitted from. Internet banking is a value adding process to make the customers life easier and banking much faster. Also internet banking is beneficial for the huge attention and investments that it has attracted, making it a profitable venture. To conclude the results, internet banking has also reduced the cost of delivery of service than the traditional methods of banking. 6. Internet banking in India: Emerging risks and new dimensions- By R. K.Uppal The study examines that private sector banks are on the top in providing the internet banking services to their customers. The research analyzed as to how technology is affecting the employees productivity. In India, the public sector banks will need to use technology in order to improve their operating efficiency and services. Technology will be used to add value to customer services, to develop new products, strengthen risk management, etc. Also it revealed that technology has transformed the delivery channels in banks banking business. The study has explored the challenges that the banking industry has faced, the extent of usage of internet banking by the customers and the various strategies to be adopted for internet banking services in India. The study strongly concludes on the note that technology and internet banking is the only tool to achieve a banks goal. 7. Acceptance of E-banking among Adult Customers- An Empirical Investigation in India- By Neha Dixit and Dr. Sarok K. Datta The study examines the change in the usage of banking services with a switch from traditional banking services to advanced self-service technology. The customers are able to interact with their bank accounts and transact virtually from anywhere without time restrictions. Internet banking establishes its basis on the expectations of accuracy, security, network speed, user-friendliness, user involvement, privacy, trust, familiarity and convenience. Adult customers always prefer advanced technology but sometimes lack knowledge to access such technologies (internet banking services). The fact that customers have positive perceptions of internet banking should be considered as important and needs to be valued, if not one bad experience can result in losses, dissatisfaction and disbelief in technology. 8. Technology policy and change in developing economies- Advancing a banking strategy for world developments- By M. O. Mahdi and Patrick Dawson The research paper highlights the recent developments in the international economy, namely liberalization, globalization and the application of Basel Committee recommendations in order to promote the adoption of internet banking. The study examines the technology policy and change in the banking industry. It focuses on developing economies that aim at development and growth with the advent of internet banking and the use of new technology. It states the various investments made, such as comprehensive IT training programmers for new personnels, modification of systems to accommodate the modes of internet banking practice, etc. Priority should be given to such investments as they bring out new dimensions of delivery channels and help in the development of the banks and the economy. 9. The Transformation of Banking and Its Impact on Consumers and Small Businesses- By William R. Keeton The study held there are three parameters for transformation in banking sector, mainly- Consolidation, internet banking and financial integration. Consolidation means the acquisition of assets in bank mergers. It has significantly increased from 1980s of 10 million dollars to 650 million dollars in 1998. The biggest change was in the importance of the megabanks who hold more than $100 billion of assets. There were around eight megabanks and together they accounted for 30% of domestic bank deposits at the end of 1999. Internet banking enabled commitment from large banks and there were about 3500 banks using the technology. The main benefit of internet banking to consumers is lower fees for banking services or higher rates on deposits. Also it provided greater convenience for payment of bills known as bill presentment. Internet banking from the bankers point of view benefits the bank to acquire overall financial condition of their online consumers thus to provide higher quality service, determine which products would best serve each customers financial goals and make those products available online. Internet banking is also beneficial to the small businesses in order to view their balances in real time, transfer money between accounts and originate wire transfers. Small firms could also get help from their banks in conducting business-to-business (B2B) commerce over the Internet-for example, in setting up automated systems for ordering and paying for new supplies when inventories fall below a critical level. Financial Integration made two major changes. First, it allowed bank holding companies to merge with insurance and securities companies and cross-sell their products. Second, it allowed bank holding companies that did not merge with other firms to offer new financial services on their own-for example, underwriting securities, selling or underwriting insurance, and making equity investments in business firms. On the whole, consumers appear to be benefiting from the changes. Consolidation has not been beneficial enough in reducing the competition as the mergers that were seen were not in the same city or country. Internet banking reduces the time and inconvenience of banking transactions and by providing access to the small communities that might otherwise be unavailable. It also provides the benefit of one-stop shopping. Combining these services would result in information gathering at lower prices. 10. How Has the Adoption of Internet Banking Affected Performance and Risk in Banks? By- Richard J. Sullivan The study provides an insight on internet banking where in a bank website provides insight into the branch locations and product descriptions. They also provide information on a number of interactive services such as financial calculators, loan or deposit application, and access to account balances and bill payment. Banks are divided into four types- Community banks, large community banks, Regional banks and Large Regional banks. All these categories of banks are assessed on their demographic and market characteristics, funding income and lending characteristics and financial risk and performance. A bank can generate a large number of Internet transactions if it has a sizeable customer base, a high participation rate among its customers, and customers who actively use the system. Banks offering Internet banking are taking a risk by adopting the technology at an early stage of the products life cycle. Results show that Internet banking has been introduced into markets with characteris tics such as a highly educated population that may increase customer acceptance. Also the business strategy of banks is consistent with the type of functions offered on their Web sites. Overall though there is high risk involved, the banks performance has improved substantially and would reap benefits soon in the near future. 2.4 RESEARCH GAP In all the studies conducted by various researchers it is noticed that most of the research is based on the customers point of view. Bankers point of view is not taken into consideration. Internet banking has created significant impact on a bank employee by reducing their work load transaction, increase in the productivity, increase in knowledge, reduction in processing time, etc. Hence, this research is conducted to consider a bank and its employees point of view of internet banking. Also, most of the studies conducted are based in countries outside India. Hence this research focuses on impact of bankers in Bangalore, India. 2.5 HOW THE REVIEW WAS USEFUL The review helped in an in-depth understanding of the concept of internet banking and the various concepts related to internet banking. Also it helped in analyzing how internet banking has become a new delivery channel in the banking industry and community. The advantages and challenges involved in the implementation of internet banking and the implications on the banks performance were also highlighted. The various factors and risks associated with internet banking were also studied and analyzed. CHAPTER 3- DESIGN AND METHOD OF STUDY 3.1 STATEMENT OF THE PROBLEM A study on the impact of internet banking on the bank and its employees 3.2 OPERATIONAL DEFINITIONS 1. Electronic banking- E-banking can be defined as the use of electronic delivery channels for banking products and services, and is a subset of electronic finance. The most important electronic delivery channels are the Internet, wireless communication networks, automatic teller machines and telephone banking. Internet banking is a subset of e-banking that is primarily carried out by means of the internet. 2. Brick and mortar banking- AÂÂ  branch,ÂÂ  banking centerÂÂ  orÂÂ  financial centerÂÂ  is aÂÂ  retailÂÂ  location where aÂÂ  bank,ÂÂ  credit union, or otherÂÂ  financial institutionÂÂ  (and by extension,ÂÂ  brokerage firms) offers a wide array ofÂÂ  face-to-face services to its customers. These are typically stand alone branches of a financial institution that often are contained in its own building. These branches typically offer full service banking including safe deposit boxes. They may include access to drive-through teller windows. 3. Brick and click banking- It is the buying and selling of product or service over electronic systems such as the Internet and other computer networks. Electronic commerce draws on such technologies asÂÂ  electronic funds transfer,ÂÂ  supply chain management,ÂÂ  Internet marketing,ÂÂ  online transaction processing,ÂÂ  electronic data interchangeÂÂ  (EDI),ÂÂ  inventory management systems, and automatedÂÂ  data collectionÂÂ  systems. Modern electronic commerce typically uses the World Wide Web at least at one point in the transactions life-cycle, although it may encompass a wider range of technologies such as e-mail,ÂÂ  mobile devicesÂÂ  and telephones as well. 4. Electronic money- It isÂÂ  moneyÂÂ  or scripÂÂ  that is only exchangedÂÂ  electronically. Generally this involves the use ofÂÂ  computer networks, theÂÂ  internetÂÂ  andÂÂ  digital stored valueÂÂ  systems.ÂÂ  Electronic funds transferÂÂ  (EFT), direct deposit,ÂÂ  digital gold currencyÂÂ  andÂÂ  virtual currenciesÂÂ  are all examples of electronic money.ÂÂ   5. Transactional Website- A transactional web site is an internet website of a bank that allows the customer, at minimum, to initiate inter-account transfers. 3.3 VARIABLES OF THE STUDY The purpose of the research is to understand the effect of internet banking revolution on the bank and its employees. Various variables to be studied under this research are- Primary Research- Impact on workload Personal development Processing time Convenience Benefits of internet banking Improvement of internet banking Electronic data interchange Real time gross settlement Secondary Research- Deposit growth Efficiency Ratio Capital Adequacy Ratio Return on Equity Cost to Income Ratio 3.4 OBJECTIVES OF THE STUDY The Research is being conducted for the following reasons: To determine the bank performance on advent and incorporation of internet banking. To determine the impact internet banking has on the employees of the firm. To quantify the economic impact of internet banking. 3.5 HYPOTHESIS The hypothesis to be studied under the research are defined as follows- 1. H0- Internet banking has not created significant impact on the bank and its employees. H1- Internet banking has created a significant impact on the bank and its employees. 2. H0- Internet banking has not increased the productivity of the bank and its employees. H1- Internet banking has increased the productivity of the bank and its employees. 3. H0- Internet banking has not reduced the time taken for processing of transactions of the bank and its employees. H1- Internet banking has reduced the time taken for processing of transactions of the bank and its employees. 4. H0- Internet banking has not been cost effective on the bank and its employees. H1- Internet banking has been cost effective on the bank and its employees. 5. H0- Internet banking has not helped in the knowledge up gradation of the bank and its employees. H1- Internet banking has helped in the knowledge up gradation of the bank and its employees. 3.6 SAMPLING PROCEDURE 1. Target Population- Bank employees in Bangalore, with more emphasis given on the areas like Sanjaynagar and surrounding areas, where the possibility of getting information is high. 2. Sampling Element- Questionnaire will be administered to the individuals. Also it will be administered to both male female employees. 3. Sampling Frame- Individual employees working in the bank. 4. Sampling Method- A survey with a well framed questionnaire will be done with the respective target segment which fulfils the required objectives of the research. An in-depth interview will be conducted for the respondents. 5. Sample Size- Approximately 30 and above respondents. 6. Sampling Administration- Survey questionnaire will be administered to the specific target population between the hours 2:00 P.M 4:00 P.M on weekdays. On weekends, the survey can be conducted till afternoon only keeping in the work timings of the banks. 3.7 TOOLS USED IN THE STUDY PRIMARY RESEARCH- The primary data will be collected through survey method. A survey will be conducted with the help of a well-designed questionnaire and would be addressed to the respondents coming under our sampling frame. The questions contained in the questionnaire are Close-Ended Questions. SECONDARY RESEARCH- The secondary research will be done on the data collected from some organizations and internet. 3.8 STATISTICAL ANALYSIS The techniques to be used for doing the analysis are as follows: 1. Frequency distribution- A representation, either in a graphical or tabular format, which displays the number of observationsÂÂ  within a givenÂÂ  interval. The intervals must be mutually exclusive and exhaustive. 2. Cross-tabulation- Cross tabulation is a method used when creating graphs which display how different items inter-relate. This allows those creating and reviewing the graphs to see where two or more pieces of data directly relate to or affect one another. It will help to search for patterns of interaction. If certain cells contain disproportionately large (or small) numbers of cases, then this suggests that there might be a pattern of interaction. 3. Hypothesis testing- AÂÂ  statistical hypothesisÂÂ  is an assumption about a populationÂÂ  parameter. This assumption may or may not be true.ÂÂ  Hypothesis testingÂÂ  refers to the formal procedures used by statisticians to accept or reject statistical hypotheses. There are two types of statistical hypotheses. Null hypothesis. The null hypothesis, denoted by H0, is usually the hypothesis that sample observations result purely from chance.ÂÂ   Alternative hypothesis. The alternative hypothesis, denoted by H1ÂÂ  or Ha, is the hypothesis that sample observations are influenced by some non-random cause. 4. Anova- A statistical analysis tool that separates the total variability found within a data set into two components: random and systematic factors. The random factors do notÂÂ  have any statisticalÂÂ  influence on the given data set, while the systematic factors do. The ANOVA test is used to determine the impactÂÂ  independent variables have on the dependent variable in a regression analysis. Icici bank established 1994 Net banking 1998 1995-1998 n 1998-2001 95-96, 96-97, 97-98 - 98-99, 99-00, 00-01 Sbi established 1955 Net banking 2002 1999-2002 n 2002-2005 99-00, 00-01, 01-02 02-03, 03-04, 04-05