...CIS 210 - Use Case for ATM Services 4/29/12 Kevin Hagan Dr. Yohannes Abate Making a withdrawal via an Automated Teller Machine Making a withdrawal of funds from your bank account via an automated teller machine (ATM) is easy (Richardson). There are only a few steps involved, and there is no need for the customer to have to go to the bank itself anymore. While there are no restrictions, you can make withdrawals from any ATM on the street, the only exception over using the bank’s ATM is that they may charge you a fee for using another banks/companies ATM. For illustration, we will be using an ATM at the bank itself, so that if there is a problem then the customer can go inside and discuss this problem with a representative of the bank. The assumption is that you are at the ATM and currently have an account with the bank. Step 1: Insert your ATM card or credit card. Step 2: Enter your personal identification number (PIN). Step 3: Select “Withdrawal” from the transaction menu. Step 4: Select “cash” from the next transaction menu. Step 5: Select the amount of cash you wish to withdraw. At this step, either you can withdraw a preselected amount, or you can enter any other amount. Step 6: When prompted, select confirm on the amount that you wish to withdraw. Step 6: Take your detailed receipt with a summary of your withdrawals. Step 7: Remove your ATM card from the machine. The alternate of using the ATM is to go inside the bank, wait for the next teller, and...
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...and carriage holding a roller, the front of the case holds the keyboard. When you type on a typewriter the carriage and ribbon move from left to right. While a computer, before you saved what you type is only for temporarily shown on the monitor you can still edit it when there’s an error. There similarity is both utilized with ink; they are also mechanical and there keyboard are just the same. Word Derivation: The Italian Guseppe Ravissa created a photo type typewriter called cembalo serivano o macchina de scrivere a tasti. Source: http://www.thefreedictionary.com/typewriter, http://en.wikipedia.org/wiki/Typewriter Classification ATM Card. Most common among the types of bank cards are ATM cards. ATM cards are also known as a bank card, client card, key card, or cash card. ATM is for transactions such as: deposits, cash withdrawals, obtaining account information, and other types of banking transactions, often through interbank networks. General...
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...| This paper is prepaid for: Dr. Nisar Ahmed Associate Professor & Director (MBA) American International University-Bangladesh (AIUB) Banani, Dhaka, Bangladesh 13th December, 2013 Dr. Nisar Ahmed Course Instructor Department of Research & Methodology, American International University-Bangladesh (AIUB) Banani, Dhaka, Bangladesh Subject: Submission of report Dear Sir, We have much pleasure to submit this report entitled “Dutch Bangla Bank ATM Service Quality Research” a survey among Dhaka city which has been prepared in requirements of the Final Examination in Research & Methodology. Dutch Bangla Bank ATM Service is one of the top ATM Service in Bangladesh .This report studies customer satisfaction level of Dutch Bangla Bank ATM Service and their service quality, problem and customer demand of their product. Finally, we are truly grateful to you for giving us this pleasant opportunity to work on this report. Despite our all possible attempts, certain deficiencies may reside and we are sincerely regretting this. Sincerely yours, Md. Asif, Sultanul Arefeen Id-11-18454-1 Hossain Md. Sharif Id-11-18151-1 Khan, Imtiaj Yafi Id-10-16166-1 ...
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...Adapted Homework, Ch. 11 (11 points possible) 1. “An Analysis of sustainability is similar to a five forces analysis.” Comment on this, focusing on the firm you’ve been studying for your term project. (1 point) A sustainability analysis is similar to a five forces analysis because they are focus on creating competitive advantage. The sustainability analysis is to analyze and find a way to compete with competitors and deal with potential entrants, in order to maintain profits in the long run. The analysis includes the company’s resources and isolating mechanism that help the company to sustain its advantages. The five forces analysis also analyze 5 factors, like supplier power, buyer power, competitors, new entrants, and substitutes and complements, which affect to the company profits. The company can use both analysis to build competitive advantage and maintain its position, market share, and profit margin in the industry. 2. (a) How do economies of scale affect sustainability? (b) Economies of scope? (2 points: 1 point each) When economic of scales happens it definitely affects sustainability because the resources and isolating mechanism changes. For some companies might be easier to scale to large quantities of production and the competitive advantage could change for the one able to do it. Economies of scope will also change the sustainability because producing two products because it is the same cost to produce one of them can change how companies limit...
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...statement that the banking sector in nepal exists only at rudimentary level because it has evolved difficult transition from highly centralized and planned economy to government-sector dominated, commodity-focused market economy of today. This project of “Banking" will give us the platform to use the software for basic banking purposes ranging from cash withdrawls to cash deposites.Using this software,customoers can access their bank accounts in order to make cash withdrawals,debit card cash advances and check their account balances.Moreover it also provides us with the background and infrastructres to run an ATM card. Through the project the focus has been on using the ATM on a simple and reliable manner which makes use of normal database and input/output operations to give the desired results to the customer. This project is based upon the basic uses and functioning of the ATM as a whole where a customer can create a bank account, deposit his/her balance and retrieve money using a credit or a debit card. Banking system software keeps the day to day transaction record as a part of complete banking.It can keep the information of the account type,account opening form,deposit and withdrawal and searches the transacton,transaction reports,individual account opening form,group accounts etc. The exiciting part of this project is that through this software we can display transaction reports,statistical summary of account type and interest information. 2. INTRODUCTION The “Banking...
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...Professional ethics includes relationships and responsibilities to customers and others who use the technology products that we develop. Honesty is a fundamental ethical value, however, some ethical problems are more subtle than the choice between honesty and dishonesty. As technology professionals, we must have a "..good conscience in all things ... (Hebrews 13:18)" as we strive to do a thorough and careful job. But, we must recognize that, even using the best design methodologies, it is possible to produce software that is flawed. Discuss the following: * Should producers of software-based services, such as ATMs, be held liable for economic injuries suffered when their systems fail? * Does your perspective on the level of culpability change when the development was conducted in accordance with industry best practices? * What steps, if any, can be taken to protect against potentially dangerous programming mistakes? The first question in the discussion board is interesting because there can be valid arguments made on both sides of the question. If it is found that the producer could have taken steps to avoid the economic injuries suffered from their software then they should be held liable for the damages but if the damages are no fault of their own then they should not be held liable. There was a recent case that got worldwide attention when hackers broke into Sony’s PlayStation network and stole account information from millions of customers. One article that...
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...person * Perform the tasks of maintaining neat and orderly front desk and waiting room * Responsible for scheduling and confirming appointments and follow-up visits * Perform a variety of clerical duties like typing memos, correspondence, reports and other documents as assigned * Accept incoming deliveries and direct them appropriately as well as assist with office mailings and sorting * Perform other clerical duties as needed, such as creating/typing reports or letters, filing, and photocopying * First Tennessee Bank Teller2/ ATM Teller November 2009-May 2011 * Recognized for Outstanding Customer Service with 99.5% satisfaction rate. * Provide excellent customer service by answering or referring financial questions to correct supervisory staff. * Maintain and balance cash drawer. * Process monetary transactions. * Trained new tellers on banking system. * Handled vault, safe-deposit, ATM and night-drop activities. * Assisted customers with opening new accounts. * Assess customer need and offer/ sell products that will best suite that need. . Wal-Mart Cashier/ Sales Floor Associate February...
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...of servicescape. Miles & Cannon 2012, stated that firm competitive strategy has an impact on the strength of the relationship between customer satisfaction and servicescape characteristics. Hill’s strategy was to go against industry trends, which were focused on making profits rather than providing a service to customers. Hill also reduced the listening gap. The listening gap is first gap in the Gap Model of Customer Services that illustrates the relationship between company’s perception of consumer expectations and customer’s expected service (Dehghann, Shahin, & Zenouzi, 2012). Hill decided to concentrate on the 62% of customers who chose the bank on convenience instead of the rest of the industry that was focusing on 3% clients, who chose the bank based on high interest rates. The services Commerce Bank offered were based on a personal contact. Their offices were run on “10-minute-rule”, which meant the branches were open 10-minutes before the opening time and closed 10-minutes after official closing time. Longer operating hours allowed more time for customer service. When it was raining, a customer was escorted out by an employee holding an umbrella. They also had phones by ATM machines, so that customers could call if they needed some assistance. Other ways to increase the customers experience were to offer a check view feature for online banking and introducing drive-through-window. This Commerce’s customer retention methodology allowed Commerce Bank to offer lower interest...
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...LLLextensions@itcarlow.ie (LLL Carlow & Wicklow) * Janette Davies (LLL Wexford) Assignments submitted late (without extension granted) will be corrected but this mark will not be included for grading purposes. Prime Bank of Massachusetts Prime Bank of Massachusetts was started in 1964 with James Rogers as CEO, who is now chairman of the board. Prime Bank had been growing steadily since its beginning and has developed a loyal customer following. Today there are 45 bank locations throughout Massachusetts, with corporate headquarters in Newbury, Massachusetts. The bank offers a wide array of banking services to commercial and noncommercial customers. Prime Bank has considered itself to be a conservative, yet innovative, organization. Its locations are open Monday–Friday 9–4and Saturday 9–12. Most of the facilities are located adjacent to well-established shopping centres, with multiple ATM machines and at least three drive-through windows. However, Prime Bank’s growth has brought on certain problems. Having the right amount of tellers available in the bank as well as in the drive-through window has been a challenge. Some commercial customers had recently expressed...
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...LITERATURE REVIEW The researcher will review existing literatures on customer service in the banking industry of Ghana. This chapter takes a look at the various variables that may influence important customer service amid fierce competition from the perspective of some writers and researchers. It starts with profile of the banking industry under study through to the importance and nature of the customer practices, Customer Satisfaction, Retention and Customer Loyalty, Customer Relationship Building and its practical implications for the study. THE BANKING INDUSTRY During the past decade, the financial sector in Ghana has undergone major changes mainly through the financial sector structural adjustment programme as part of the economic recovery programme. Moreover, globalisation, mergers and acquisitions, and the emergence of new technologies have contributed dramatically to stiffer competition and pressures on profitability (Amoako 2012) Before the 1950s, the number of bank accounts in Ghana was very few and what mattered most was the personal contact between the Bank Manager and his customers. There was hardly any urgent demand for information because of the low volumes of transactions. This made it possible to satisfy customers with manually kept records. Thus the majority of banking services were performed using manual operations and personal contact with customers without much information transfer and handling of customer data. As commercial activities increased...
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...ustMODELS USED IN BANKING SERVICES Cetina Iuliana Academy of Economic Studies, Bucharest, 6, Piata Romana, ,phone: 0722-430482, email:iuliana.cetina@k.ro Mihail Nora Academy of Economic Studies, 6, Piata Romana, Bucharest, phone: 0722/369467 Usually, the marketing policy developed by companies goods has been directed towards attracting new consumers. In oppositions to such companies, service companies are first of all preoccupied with preserving their current customers. A frequent example, as an average, is that the cost incurred for attracting new consumers is five to six times higher that the one incurred for maintaining current ones1. Moreover, the loss of a consumer reduces the profit by approximately 118 USD, while its preservation costs only 20 USD2. Building customer relationships involve activities leading to a long term development of the relationship between the company and the customer, for both parties’ benefit. Key words: banking services, SERVQUAL Model and banking customer satisfaction, relationship marketing. Within the domain of banking services, the service process involves a multitude of relationships between the performer and the consumer. Especially, the product is the main “instrument” for creating and offering a quality service and, implicitly, for the company to prove its care for and interest in the customer’s problems. The concept of “care for and interest in the customer’s problems” is tightly related to that of providing satisfaction to the customer...
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...Submitted by | Submitted to | Ghanshyam Mishra | Dr. R.Chatterjee | | | Batch No-3 | | School of Business Dec 2012 Gaps Model of Service Quality Perceived Service Expected Service CUSTOMER COMPANY Customer Gap GAP 1 GAP 2 GAP 3 External Communications to Customers GAP 4 Service Delivery Customer-Driven Service Designs and Standards Company Perceptions of Consumer Expectations * Customer Gap:- difference between expectations and perceptions * Provider Gap 1:- not knowing what customers expect * Provider Gap 2:- not having the right service designs and standards * Provider Gap 3:- not delivering to service standards * Provider Gap 4:- not matching performance to promises Analysis Of Axis Bank- Axis Bank was the first of the new private banks to have begun operations in 1994.The Bank as on 30th September, 2012 is capitalized to the extent of Rs. 414.53 cores with the public holding (other than promoters and GDRs) at 53.80%. The Bank's Registered Office is at Ahmadabad and its Central Office is located at Mumbai. The Bank has a very wide network of more than 1600 branches (including 169 Service Branches/CPCs as on 30th June, 2012). The Bank has a network of over 10000 ATMs (as on 30th June, 2012) providing 24 hrs a day banking convenience to its customers. This is one of the largest ATM networks in the country. AXIS GAPS GAP 1: The difference between what customers expected and what management perceived about the expectation...
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...Restaurant Service Recently, restaurant becomes a place where the people will go for at least once a week especially on Sunday. This is because that day is call as a family day and most of the family will go out for having meal. In addition, restaurant also becomes a gathering place for the young generation. They can stay in the restaurant for few hours to do their work or chatting with each other. According to the developer’s research, the loyalty of a people to a restaurant is not only the food quality but service quality also is an important issue. This is because it is impossible to operate a successful restaurant without a satisfy customer service. Apart from that, most of the people will return back to the same restaurant that provides average food quality and great customer service, but will rarely return back to a restaurant which is provide great food quality but average customer service. According to Tom Peters, he say that 70% of customers hit the road not because of price or product quality issues, but because they did not like the human side of doing business with the provider of the product or service. Instead of this, the developer has found a research conducted by The Forum Corporation. This research can support this fact and show that 45% of these customers said they leave the current company and go to another company because the service they receive was poor and cannot satisfy them. Consistent with another report prepared by Mr. Shuji Tamura, Mr. Jerry...
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...Amazon has become one of if not the largest search engine of its kind on the internet [Capitalize "Internet" as the worldwide communication network] . A service provider of many services Amazon has the integrity and the ability to be the best. Amazon is well known for its accomplishment’s many have attempted but only a few have duplicated. With other websites like Google and YouTube, competition has stirred up web wars through customer attraction. This paper will dig deeper into the ongoing competition as well as the strategy that Amazon has taken putting themselves in the position Amazon, is it in today? [Writing suggestion: Unless in a quote or a title, avoid rhetorical questions in academic writing. A good idea is to provide answers, not questions] Everyone has the option to go with any website they choose while choosing the services they expect. Reasons along with examples are described [The passive voice is a form of "be" (are) and a participle (described). Over-use of the passive voice can make paragraphs officious and tedious to read. Prefer the active voice. For example, passive voice = The paper was completed on time. Active voice = the student completed the paper on time. See Center for Writing Excellence > Tutorials & Guides > Grammar & Writing Guides > Active & passive voice] and investigated within. The Evolution of Amazon There is fierce competition between different online retailers available. One of the largest being [Doctoral rule (but good...
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...COMPANY PROFILE Mr. Superior is a limited liability company. We are hired to handle the daily unwanted situations or problems that occur in your house. Mr. Superior provides superior consulting services for managing the implementation of Property Management Systems in the retail industry, serving both the domestic and international sectors. Our goal is to exceed the expectations of every client by offering outstanding customer service, increased flexibility, and greater value, thus optimizing system functionality and improving operation efficiency. Our associates are distinguished by their functional and technical expertise combined with their hands-on experience, thereby ensuring that our clients receive the most effective and professional service. Exceptional functional and technical expertise coupled with extensive industry knowledge makes us the ideal choice for a consulting firm to manage the regular household chores. Company Name : Mr. Superior Company Type : Real Estate Management Company Address : House #162, Road #11, Pallabi, Mirpur DOHS, Dhaka Corporate Status : Limited Liability Company Services we offer : Corporate Real Estate management services Business Type : Service Provider Geographic Markets : National No. of Employees : 25-50 STRATEGIC FOCUS & PLAN OF BUSINESS Our Mission: The mission of Mr. Superior is to provide high quality facilities and solutions of any kind of household problems and an excellent living...
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