Who are you Essay Example | Topics and Well Written Essays - 500 words - 1

Who are you - Essay Example le, I have a passion for the study of history, something that is very rare today considering that most of my friends consider history to be a boring subject. I am kind of a loner because except for my family, I have very few friends and in fact, I find it very difficult to make new friends. I like to study politics, again a subject that most of the people I know find to be boring or a waste of time but I think that it is a very relevant thing to study so that we can know what exactly is happening in our society, because these two cannot be separated. Some parts of me that have changed over time while there are others, which have remained the same since childhood. I was raised in a very conservative family whose values were instilled in me from an early age. However, as I have grown older, I have come to realize that some of the values which I was brought up to believe in are very discriminatory towards people of other cultures and that is why I strive to study other people and their cultures in order to better understand them. In other aspects, I have remained the same considering that I am still proud of my country, as well as the community within which I grew and most of all, I am still very close to my family and friends. I value my body a lot and in fact, many religions state that the body is a very holy thing (Angel, 141 – 156). I believe that it is our duty to take very good care of it because it is the vessel in, which our souls are carried. I exercise regularly and have a well balanced diet to ensure that my body remains healthy because if I were to do otherwise, then it is certain that my body would deteriorate quickly. I would like to live a long life and the best way to achieve this would be to maintain my body at the best standard I possibly can. There are many ways through, which I have come to know other people and many of these vary. The first people I have come to know are my family; this is because they are the people I first interacted with

Capstone Essay Example | Topics and Well Written Essays - 2000 words - 8

Capstone - Essay Example This paper also provides information concerning the ethical values of the company, and how it affects the organizations bottom line. Northrop Grumman is an American Multi-national company, specializing in the production of defense and aerospace facilities/ products. The company began its operations in 1994, through an acquisition of Northrop by Grumman. As of the year 2010, this company was voted as the fourth largest defense contractor in the world, and it employs more than 68,000 employees all over the world. The mission of the company is to be a leader in the production of defense and aeronautical technology. The mission of the company is also to satisfy the various needs of its customers through delivery and innovating high quality technological products, which are affordable (Hayden, Campbell and Cummins, 2010). The vision of the company on the other hand is to be a trusted and reliable supplier and producer of technologies and systems capable of protecting the country. To achieve this objective, the company aims to observe ethical values that guide defense contracting, promote innovation and collaboration a mongst its employees and key stakeholders. The key stakeholders of Northrop Grumman are share holders, suppliers, employees, and the company’s customers, which are always security institutions of America, and American allies. These people have an impact on the general performance of the company; this is because the company aims at achieving profitability for purposes of satisfying its shareholders and customers (Hayden, Campbell and Cummins, 2010). The company also seeks to produce high quality defense technologies, for purposes of protecting the country and satisfying the needs of its customers. Production of high quality defense technology is part and parcel of the organization’s mission and vision, and hence the employees of the

Culture Concept Essay Example | Topics and Well Written Essays - 500 words

Culture Concept - Essay Example In his exposition of the role of anthropology in the communication and explication of culture, Geertz emphasises the imperatives of cultural relativism. As he quite explicitly states in his Interpretation of Culture, the role of the anthropologist in the communication and exposition of culture is that of the ethnographer whose responsibility is to "first grasp and then render" (p. 10). Engagement in the "thick description" of culture is predicated on the anthropologist's assuming the role of an ethnographer and within the context of that role, to understand the culture's codes and symbols from the inside. The point here is, according to Geertz, that loci of culture are the hearts and minds of its natives and this imposes the imperatives of entering the hearts of minds in order to understand culture and communicate it, not from the anthropologist's subjective point of view but, "from the native's point of view" (Geertz, Local Knowledge, p. 56). Cultural relativism is the optimal approach, not just to the study of cultures but, to their accurate comprehension. Geertz's "thick description" of culture, which translates into understanding culture "from the native's point of view" implies the comprehension of cultures from an internal perspective.

Litigation and Midwifery Essay Example | Topics and Well Written Essays - 1000 words

Litigation and Midwifery - Essay Example Knowledge on which persons are allowed to file a claim, which places can the claims be filed, the time that the claim has to be filed, and how the claim is to be filed is also necessary. There exist several types of litigation. These include business litigation, commercial litigation, public interest litigation, personal injury litigation, mesothelioma litigation, civil litigation, and patent litigation (Laws.com, 2011). Business litigation refers to a particular field of law that handles disputes that arise between businesses and individuals or between two businesses. The law states that all businesses ought to operate under a specified code of ethics while at the same time carry out practices that are legal. A business may fail to operate legally and in the process result in the loss of finances by a client or harming the client. Such a client has the legal right to file for business litigation. In many instances, such cases essentially seek financial settlement. A criminal sentenc e may be awarded in some cases for the immoral conduct by the business entity (Laws.com, 2011). Commercial litigation refers to an area of law that is concerned with disputes that involve commercial companies or businesses. In most cases, the legal disputes that fall under this category are usually with regard to disagreements between the companies. This type of litigation focuses on legal disputes that may be emanating from drafting of contracts, mergers between companies, and real estate laws. The companies may disagree on management of property and finances. In most of the cases an out of the court solution is sought by the litigators and litigants (Laws.com, 2012). Public litigation refers to an area of law to covers all wrong-doings, incidents, and /or legal situations that affect the community’s well being. Interestingly this type of litigation is initiated by the court. The court system is responsible for initiating this legal proceeding. Although many view it as a rel atively new type of litigation, it has featured prominently in environmental law practice. Any action taken by an individual or by a corporation that results in inhibiting a particular society’s progress or damages a necessity is punishable under this type of litigation. Public Interest Litigation is an attempt to fulfill the guarantee of fundamental rights that citizens have been guaranteed (Kirpal, et al, 2000). In certain cases that involve injury to persons, legal processes may be initiated in order to realize the dispute. These legal proceedings are referred to as Personal Injury Litigations. In a typical case, an individual filing for this type of a case seeks to be compensated for injuries. This type of litigation arises from the deliberate or negligent action by a given party that precipitates to the physical injury of another party. Many clients are advised to seek the advice of the PIAB (Personal Injuries Assessment Board) as a first step towards seeking compensatio n. The PIAB provides an assessment for victims of personal injury and are seeking compensation. It assesses victims of injury at the workplace, public liability accidents and motor accidents (Malcomson Law, 2008). Mesothelioma litigations are common litigations that focus on companies that expose their employees to asbestos without protecting them against it or without even warning them.

Japan Constitution Essay Example | Topics and Well Written Essays - 1250 words

Japan Constitution - Essay Example The Meiji Restoration heralded the rise of Japan as an industrial and military power. The oligarchy consolidated itself under the leadership of the Emperor, and made an effort to destroy remaining vestiges of samurai and shogun power. Lands were sought to be restored to the Emperor. The Samurai's privilege to bear arms was diluted by extending this to the peasants, as well, and conscription into the army of a male member from each family in the country also came into effect. The samurai was disgruntled with what it saw as a clipping of its wings. But along with that, they also moved into other areas, seeking employment in the government, and became a new elite in Japan. It was against the above backdrop that a constitution was promulgated in Japan, and came into effect in 1889. This Constitution enshrined the Emperor as the supreme political head, who shared power with an elected Diet or parliament. The Meiji Constitution continued till Japan was defeated in the Second World War, after which a new constitution came into effect. The Meiji Constitution marks the first time that Japan has had a written constitution. In actual practice since the emperor's powers had been curtailed, prior to the Meiji Restoration Japan was only a de jure monarchy, the actual powers often having been exercised either by an oligarchy or by the Samurai from time to time.To draft the Meiji Constitution Japan studied those of the US, Britain, Spain, France and Prussia. The Meiji constitution seems to have been considerably influenced by the Prussian one. It has seven chapters, consisting of seventy-six articles. It also has a Preamble, an Imperial Oath Sworn in the Sanctuary in the Imperial Palace, and an Imperial Rescript on the Promulgation of the Constitution. All told, it is a document of less than 4000 words. The seven chapters headings are: 1-The Emperor; 2- The Rights and Duties of Subjects; 3-The Imperial Diet; 4-The Ministers of State and the Privy Council; 5- The Judicature; 6- Finance; and 7- The Supplementary Rules. (The Meiji Constitution) There are portions in this Constitution, that are worded ambiguously, and it was left to the political leaders and parties of the time to interpret it either as supportive of the monarch, or as a document that established a liberal democratic system. This Constitution rests on the basic premise that the Emperor's ancestry is divine, and therin lies his legitimacy. He thus combines in his person, the powers of the legislature, executive as well as the judiciary: "Article 3. The Emperor is sacred and inviolable." (The Meiji Constitution) But Article 4 states that, "The Emperor is the head of the Empire, combining in Himself the rights of sovereignty, and exercises them, according to the provisions of the present Constitution." (The Meiji Constitution) A subsequent article (55) however stated that the Emperor's powers were subject to ratification by a Minister of State, whose appointment was strangely in the hands of the monarch himself.The duties and rights of the people were spelt out by the Constitution. A subject had the duty of protecting the Constitution. (Preamble) He also had to serve in the army, if called upon to do so. (Article 20) He enjoyed certain rights, provided these did not come in

Organizational Performance Management Table Essay Example for Free

Organizational Performance Management Table Essay After you have completed your individual research on your chosen type of health care organization, collaborate with your Learning Team to complete this table. Then, refer to this table as you collaborate to write your paper. Include this table as an appendix to your paper. Fill in the necessary information in each cell, but be as succinct as possible. 1. Provide names of or links to specific organizations. Summarize key products or services provided by each type of organization and identify the primary customers they serve. Organization One Organization Two Organization Three http://www.fda.gov/ U.S. Food and Drug Administration 2. Outline the overall content of the major regulations, accreditation requirements, and other standards that affect each organization. Provide the title, section, parts, or subparts or the numbering system and so on of the specific regulations or accreditation requirements. For example: Use of electronic signatures in electronic medical records is equivalent to handwritten signatures on paper; FDA regulation; Title 21 CFR Part 11, Subpart C, Â § 11.200 Electronic Signature: http://www.accessdata.fda.gov/scripts/cdrh/cfdocs/cfcfr/cfrsearch.cfm?cfrpart=11 Organization One Organization Two Organization Three Food and Drug Administration Safety and Innovation Act (FDASIA) Because of their importance, an agency’s rulemaking plans are of great interest to a wide range to stakeholders. Therefore, the Federal Government publishes a semi-annual agenda of upcoming regulations in the Federal Register, usually in the Spring and Fall. As part of FDA’s Transparency Initiative and FDA Transparency Results Accountability Credibility Knowledge Sharing (TRACK), we are also providing periodic updates on FDA’s Unified Agenda rulemakings. On the Unified Agenda-TRACK Web page, we will maintain an updated agenda of FDA’s Unified Agenda rulemakings. 3. Highlight the effect of each organization’s regulations, accreditation requirements, and other standards on the risk- and quality-management functions and activities. Organization One Organization Two Organization Three The scope of FDA’s regulatory authority is very broad. FDAs responsibilities are closely related to those of several other government agencies. Often frustrating and confusing for consumers is determining the appropriate regulatory agency to contact. The following is a list of traditionally-recognized product categories that fall under FDA’s regulatory jurisdiction; however, this is not an exhaustive list. In general, FDA regulates: Foods, including: dietary supplements bottled water food additives infant formulas other food products (although the U.S. Department of Agriculture plays a lead role in regulating aspects of some meat, poultry, and egg products) Drugs, including: prescription drugs (both brand-name and generic) non-prescription (over-the-counter) drugs Biologics, including: vaccines blood and blood products cellular and gene therapy products tissue and tissue products allergenics Medical Devices, including: simple items like tongue depressors and bedpans complex technologies such as heart pacemakers dental devices surgical implants and prosthetics Electronic Products that give off radiation, including: microwave ovens x-ray equipment laser products ultrasonic therapy equipment mercury vapor lamps sunlamps Cosmetics, including: color additives found in makeup and other personal care products skin moisturizers and cleansers nail polish and perfume Veterinary Products, including: livestock feeds pet foods veterinary drugs and devices Tobacco Products, including: cigarettes cigarette tobacco roll-your-own tobacco smokeless tobacco 4. Specify components of performance-management systems—policies and procedures, self-audits, benchmarking, complaint management, corrective or preventive action, education and training, communication, and other mechanisms—to be used by each organization. Organization One Organization Two Organization Three Risk communication staff: Our Risk Communication Staffs objective is to assess and enhance FDAs approaches to effectively communicate the risks and benefits of using FDA-regulated products. This includes providing leadership in identifying, developing, conducting and promoting cross-cutting research, promoting understandable communication, and finding ways to improve the consistency and effectiveness of our communication approaches. This program also directs the activities of FDAs Risk Communication Advisory Committee, which was established: to advise on strategies and programs to communicate the risks and benefits of FDA-regulated products so as to facilitate optimal use; to review and evaluate FDAs and others research relevant to such communication; and to facilitate interactively sharing risk and benefit information with the public to help people make informed independent judgments about use of FDA-regulated products. Our major functions include: Coordinating development of agency policies on risk communication practices. Coordinating agency strategic planning activities concerning risk communications. Coordinating agency research agenda for risk communication methods. Facilitating development and sharing of risk communication best practices and standard operating procedures. Conducting risk communications research on methodological and cross-cutting issues. Leading management and coordination of the FDA Risk Communication Advisory Committee. Staffing and co-leading FDA’s Communications Council 5. Provide links to any relevant sources that will be useful as your Learning Team completes the paper. Organization One Organization Two Organization Three Fda.gov

Features of Internet Banking

Features of Internet Banking 2.0 Overview Based on previous chapter, this study examines the factor influencing undergraduate student adoption of internet banking. In order to gain a clearer better understanding, it is meaningful to explore the related literature regarding adoption internet banking. Section 2.1 will discuss about the basic of electronic banking. Section 2.2 understanding about internet banking, section 2.3 conception of internet banking, section 2.4 traditional banking versus internet banking, section 2.5 will discuss the characteristics of internet banking, section 2.6 Technology Acceptance Model, section 2.7 in Malaysias internet banking and section 2.8 factor influencing undergraduate adoption of internet banking. 2.1 Basic of Electronic Banking The term of electronic banking is almost generic in its nature and therefore it is mostly used without any further definition or explanation. Electronic banking is not equal to the term of internet banking although the latter is most widespread type of it. Electronic banking is a construct, which consists of several distribution channels. Electronic banking is a bigger platform than just banking via internet. Although, most general type of electronic banking in our times is banking through internet or internet banking. Electronic banking this term can defines in many ways. Most simple form is mean the provision of information or service via a bank to its customers by a computer, television, telephone, or mobile phone. Electronic banking includes several traditional services like telephone banking, credit cards, debit cards, ATMs. Burr (1996), for example, describe of an electronic connection between bank and customers in order to manage, prepare and control financial transactions. Internet banking also allows their customer access bank accounts for doing their banking transactions. At another progression level internet banking called transactional online banking, because of it involves the provision of facilities such as transfer of funds, view account balances and transaction, buying financial products or service online. Now a day internet is the main channel of electronic banking. Electronic banking is also known as electronic fund transfer (FET) and basically is simple the use of electronic means to transfer fund directly from one account to another account.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  In addition, electronic banking is said to have three different mean of delivery: PC, telephone and the internet. From Daniel (1999) there, he already introduces four types of channels for electronic banking: PC banking, internet banking, managed network and also TV-based banking.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  The most important is to know that internet banking is dissimilar from PC Home banking. The apparent difference is that internet banking is browser-based, whereas PC Home banking requires customers to install the software package assigned by the bank on their PC. Furthermore, PC Home banking allows customers to do their banking services only on PCs that have been installed the assigned software package.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Telephone banking, TV-based banking and managed network do not play such role in banking today. However, in the future delivery platform is expected to shift from wired internet connection to wireless mobile technologies. 2.2 Internet banking Internet banking defines as banking services such as transfer of fund, loan application, account balance inquiry, fixed deposit placement and view transaction histories provided by bank via internet. (Pikkarainen, Pikkarainen, Karjaluoto, and Pahnila, 2004, p.224) defines internet banking as an internet portal, through which customers can use different kind of banking services ranging from bill payment to making investment. Now a day, banking services really give many types of service through internet; it is also another stage for banking industry goes to higher levels. Beside that cash withdrawal, internet banking gives undergraduate customers many types of banking transaction can be done through at the click of mouse only. Undergraduate student using mouse to click already can be done several banking transaction compare to traditional banking. To be sure, use of new alternative channel for distribution of financial services has become a competitive necessity instead of just a way to achieve competitive advantage with the advent of globalization and fiercer competition. All banks using internet as an additional channel or a bank using only the internet as the delivery channel are now equal footing to offer their banking services on the internet and to complete for customer around the world.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Internet banking has the advantage for bank to maintain competition, to save costs, to enhance mass customization, marketing and communication activities, and to maintain and attract consumer. The primary advantage of internet banking is to save time and cost. Indicated that internet banking allows the consumer easier access to their bank accounts with lower services changes and also time saving. Moreover, showed that internet banking had a low transaction cost and a high speed of service when compared to other banking services. 2.3 Conception of internet banking   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Internet banking is conducting banking transaction via internet, such as fund transfer, account balance inquiry, history transaction, loan application and so forth. In terms of banks ideals are as below: Provided with ICT equipment such as notebooks and internet connection, the user can access anywhere anytime. (e.g. home, hotspots zone, workplace and so forth) It required basic software from PC such as Internet explorer which allows users to sign-in into their e-banking services from the websites. All transactions done through website will store in banker server from internet. Banking services are ready can anytime. Users can print the bank statement or check the transaction history or observe the incoming fund anytime. Meanwhile we should alert that the differences among internet banking and PC Home banking. Internet banking is through browser-based, but PC Home Banking needed to install a software package assigned by the bank. 2.4 Internet banking versus Traditional banking   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Many years ago, when a user wanted to open a bank account, he or she must be presented to bank branches. And, the business transaction, automatic teller machine (ATMs) and customer services also provided by face to face basis which so called traditional banking. Traditional banking offer real life people to people interaction. Fixed schedule, inconvenient locations and limited financial products offer are caused some of users drawback from traditional banks.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  For internet banking, the easiest way to open a saving account or internet checking is by linking to an existing account. Business transactions can be carrying out by just a click. Without any verbal communications and no long queue at the counter, the users still can manage any accounts by staying at home. Internet banking is more convenience; 24 hours in 7days of banking service and flexibility are the main advantages of internet banking. It can provide the undergraduate students on all banking services convenience anywhere. Thus, internet banking is probably our benefits. 2.5 Characteristics of internet banking Internet banking is beneficial for both the provider and the customer. Stated that rationales of banks usage of the internet banking technology from the bank perspective are mainly to saving cost. Banks use internet banking is because it is the cheapest delivery channel for banking products. This kind of services can save time and money of the bank with an added benefit of minimizing the likelihood of committing errors by bank tellers. Internet banking offer services to their customers to use at their conveniences. Mostly, undergraduate students are like conveniences, easy and fast, somehow internet banking usage for undergraduate still not so much. From the figure is show that age 16-24 is lower compare to age 25 onward. While younger peoples continue to make up the greater part of online users, due to internet banking users greater proportion of new internet banker is age 55. (Karjaluoto et al. 2002, p.261) argued that banking is no longer bounce to time and geography. Customers over the world have relatively easy access to their account, 24 hours per day and seven days a week. This author argue that, with internet banking services, customers branch banking took too much time and effort are now able to make the transaction using click of their fingers. Competition is yet another important rationale with increasing competitive pressures from existing firms and new entrants in the market. At the same time, internet banking strategy has been an interesting way to retain existing customers and attract more new customers. The use of internet banking become an alternative channel has also been allowing banks to target different demographic segment more effectively. (Robinson, 2000) believe that supply of internet banking services enable bank to establish and extend relationship with customers. Benefit for the users are numerous as well and include convenience of the services, lower cost of transaction and more frequent monitoring of accounts among others.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  The basic characteristics of internet banking are: To help bank perspective to save costs. To save time and money. To minimize the likelihood committing errors. To fulfill undergraduate students convenience. To lower the transaction costs. 2.6 Technology Acceptance Model   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Technology Acceptance Model (TAM), are introduced by Davis 1989. Goal of Technology Acceptance Model (TAM) is determinants of able of defining user behavior across a wide range of end-user computing technologies and computer acceptance. A key intent of Technology Acceptance Model (TAM) provides a basic of trace the affect of external factor on attitudes and intention.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Technology Acceptance Model (TAM) which has been extend and applied to different information technologies and end users. In TAM, Davis proposes that the influence of other variables on technology acceptance in mediated by two individuals belief: perceived ease of use (PEU) and perceived useful (PU). Technology Acceptance Model (TAM), suggest that a prospective users overall feelings or attitudes toward using a given technology based on system or procedures represent major determinants to use the system. Technology acceptance model (TAM) proposes that attitudes predict intention, and intention predict behavior. Adoption behavior is determined by the intention to use a particular system and intention is determined by attitude, which in turn is determined by the perceived usefulness and perceived ease of use of the system.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Perceived usefulness is defined as using a particular system will improve on job performance. Perceived ease of use defined as using a particular system will be free of effort. Offer instance of external variable may affect an individuals perceived usefulness. Two computer programs are given, which are equally to use and will produce better quality or improve users productivity will have a higher affect on an individuals perceived usefulness ,regardless of ease of use equality. 2.7 In Malaysia   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  All banking services and financial services in Malaysia is regulated by Central Bank; Bank Negara Malaysia (BNM). June 2000, internet banking was introduces in Malaysia when Bank Negara Malaysia (BNM) allow local banks to offer internet banking service in Malaysia. This facility was extended to foreign owned banks during 2002. Until Jan 2008, there were 23 banks offering internet banking in addition to their traditional services. Bank Negara Malaysia (BNM) provided Minimum Guidelines on the Provision of Internet Banking Services by Licensed Banking Institution (MGIB) 2000 after the BCBS recommendations. Bank Negara Malaysia (BNM) defines internet banking as product and services offered by licensed institution on the internet through access devices, including personal computer and other intelligent devices.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Banking institution are legal entities licensed under the Banking and Financial Institution Act (BAFIA) 1989. The aim for Minimum Guideline on the Provision of Internet Banking Service by Licensed Banking Institution (MGIB) is main purpose is to protect both consumer and the bank themselves from the risk associated with such banking. 2.8 Factor influence Internet Banking 2.8.1 Security   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  According to the main factors that determining the decision of undergraduate students using internet banking is security. (ABF, 1997) shows that undergraduate student and banker will keep away from internet banking are security concern. More undergraduate students and households will be willing to conduct their banking transaction via the internet, unless improvement of security. US banks believe that security concern is main barrier for internet banking is concluding by the banks. Main reason for slow growth of internet banking were discover by the security concern, this is conducted by study in Australia. New innovation of the level of the security or risk associated will influence the acceptance and adoption. Where internet banking has been long set up, the main significant factors that will slow down the progress of this new innovation is the main concern for security over the financial transaction via internet. Most of peoples including undergraduate student, they will first considered secure and safe of the internet banking.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Initially, as an undergraduate student they will think whether this banking transaction through internet isnt secure enough for doing the transaction. Lack of security and reliability of transaction via internet is the main reason for they agree to refuse to use the internet banking. Security and privacy issues are concern by individual because they are still reluctant to use.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  (Sathye 1999), concern about the security and safety of the banking transaction via the internet, Australian consumer are reject to adopt internet banking. Due to also found out that substantial reason that influence internet banking in Malaysia security anxiety. Security failure at a banking institution may cause large losses could generate lack of confidence in banking innovation.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Tan and Teo (2000) establish that risk will be the main factor, Ndubisi et.al. (2004) also agree the importance of adequate of security in order to raise the confidence of public to utilize the system.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Banks ability is to manage internet-based transaction through undergraduates confidence. Poor security is inadequate to protect customers personal data. Computer privacy and security issues are those undergraduate students concern about. Internet banking service must be more responsive security requirements only can attract more and more undergraduate users. 2.8.2 Trust   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  (Mayer, Davis Schoorman, 1995) Trust is defined as a willingness to be susceptible to the action of the others. Define trust as an necessary components in a relationship especially whenever risk and uncertainty exist. Say that when an individual trust a person, will expect in that person will not take advantage of reliance upon him or her.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Context of internet banking, trust has been suggested to be the one of the barrier that will hinder individuals from adopt the technology say by. Security issues will indirectly have further influence undergraduate students trust level of internet banking.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  (Moorman et.al, 1992) Defined trust as a willingness to rely on an exchange partner in whom one has confidence and perception of confidence in the exchange partners reliability and integrity say by. These both directly underline in the exchange partners reliability in the conception of trust. Normally undergraduate student do not trust Internet Technology for these three reasons, first is security of the system, second is distrust of the provider and third is reliability of internet service.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Trust in the internet increase long term internet usage in the adoption decision. Trust will give undergraduate student guarantee safety for using internet banking. Undergraduate student attitude toward internet banking system may be related with trust on judgment on the security and privacy also. One of the important reasons is lack of trust make undergraduate student do not using internet banking, so must improve application security and privacy only can give undergraduate student confidence for using internet banking. Trust is an antecedent of perceived usefulness, also perceived ease of use is an antecedent of trust. Trust has a directly and indirectly effect on behavior intention to use. Determinants of perceived usefulness is trust, particularly in an online environment, part of guarantee that undergraduate student will sense the expected usefulness from the website. Trust will have a positive effect on perceived usefulness, while trust allow undergraduate to ensure they gain the expected useful services. 2.8.3 Privacy protection Defined privacy as the protection of personal information so it is not reveal to or used by others. Undergraduate normally aware of the privacy issues, including whether personal information would be used by the banks or third parties to market new services to them. Privacy has been an important factor in the choice not to use internet banking. Effective privacy protection laws will consider the internet environment will help to build trust and confidence. To improve privacy issues, first banks must provide consumer reassurance and information, ensure consumer information would not disclose to other or third parties. Banks need to improve the application security and privacy and ensure bank information security and privacy. To assist consumer in development secure internet banking practice and risk management procedures. 2.8.4 Attitude Define attitude as person positive and negative feeling about internet banking adoption. Age will affect the attitude of individual toward internet banking. Attitude toward adoption and use of internet banking might give undergraduate student a positively image assuming security of internet transaction is safety enough. Positive technology attitude enable faster diffusion of internet based services.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Attitude build received its first serious attention from Darwin 1872. Darwin defined attitudes as a physical expression of an emotion or motor concept. According to defined attitudes as an individuals positive and negative feeling to perform a target behavior. defined as a persons general feeling of favorableness and unfavorable for that recommends that different dimension of attitudinal belief toward innovation appraise by five perceived attributes. Five attributes are relative advantage, complexity, compatibility, observability, and trialability. At the same time behavior intention to use internet banking is highly related to attitude. Personal banking experiences will affect attitude toward internet banking.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Internet to users banking needs to relate to the advantage the mount up to the user of the technology. show that relative advantage is very important factor to influence adoption of new innovation. Commonly, perceived relative advantage is positively connected to the rate of adoption. According to defined complexity as degree to which an innovation is measured comparatively is hard to understand, found and use it to negatively affect the adoption of internet. Shows that complexity is view the accurate opposite of ease of use, that have been establish to directly crash the adoption of internet. Stated that, system requires less operational effort and technical skills will more probable to adopt it. Found that an innovation was more possible to be adopting when it was compatible with individuals value system and job responsibilities. Privacy is an important view to performing internet banking and therefore observing individual performing internet banking is not only hard also hard to unacceptable. found out observation and description analysis of undergraduate internet banking users, the problem such as slowness and so forth. Stated that trialability got the potential adopter of new technology, and who will allow to test it, whether will comfortable to be more likely to adopt it. Attitudes combine with these five innovations, these five innovations will directly and indirectly affect undergraduate student to adopt internet banking as well. 2.8.5 Perceived ease of use   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Defined perceived ease of use as degree to which person believes that adopt internet banking would be free of effort. Define ease of use as one of important characteristics from undergraduates perspective for adoption of innovation services. A study has been conducted by a company called Cyber Dialogue has revealed that as many as 3.1 million USA adult have discontinued their use of internet banking because of they feel the services was too complicated or were dissatisfied with the level of customer services. Propose that it is essential for the internet to be ease of use to increase the adoption rate of internet banking. Function of internet banking ease of use, it will be attract more undergraduate students adopt it. Now a day, undergraduate student really got the potential to help grow the rate of adopt internet banking rate. To help success implementation internet banking, banks must make sure that the service of the system are simple, ease and of sufficiently high quality to confirm undergraduate level satisfaction in order to maintain undergraduate usage.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Show that general computer self efficiency considerably influence the perceived ease of use at all the time, while the usability of system will directly influence undergraduate users perception after they have experience with the system 2.8.6 Awareness   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Explanation of Awareness can be the acceptance and continued to use the service, product or idea. show that undergraduate go via a series of process in knowledge, decision, conviction and confirmation before they are ready to adopt new service or products. The adoption or rejection of an internet banking start when the undergraduate becomes aware of the internet banking. Consumer must become aware of new service or new product is emphasizing by. Normally when come out one new services or new product consumer will not dare to try or buy it.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Lack of awareness is the most common and important factor that negatively influence adoption of internet banking stated by. This is situation; we are able to argue that if the undergraduate student not adopting internet banking service due to the unawareness of the availability of such a service. Lack of awareness of internet banking and its benefit, here some recommendation suggest by. To attract more undergraduate student attention to internet services through a better marketing, let undergraduate better understand the process. Try to inform the undergraduate student about the features, advantage and the benefit of internet banking, for undergraduate student they normally are more prefer everythings conveniences. Reduce the undergraduate concern about technology and support.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Lack of internet awareness is due to the internet banking services are still unaccepted. It is believe that undergraduate are not fully confidence with using internet banking. Greater awareness could show them the benefit and also encourage them to adopt internet banking services provided from banker. Awareness of internet banking services is necessary in the early adoption stages, as internet banking services is consider new in Malaysia. 2.8.7 Cost and Accessibility   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Stated that cost as a characteristics of internet banking. Price or cost is one of the important factors that will affect the undergraduate adoption of innovation. Two types of costs are involved in the internet banking, first is bank charge and cost, second is the normal cost that associated with the internet activities. Before adopting internet banking, undergraduate will concern about the cost, to help in increase the rate of adoption of internet banking. Banks must lower the transaction cost, to help undergraduate student save costs.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  If want to attract more undergraduate student to use new technologies, then first the technologies must be reasonable priced relative to alternatives. All price charged must be reasonable, with a reasonable price undergraduate just willing to adopt internet banking or else the acceptance of the new technology may not be viable from the point of view of the undergraduate. Being on the internet has allowed banks to cut costs on transaction, by the way banks also can improve their image on the market.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Point out that internet banking is very beneficial to undergraduate because of the savings in cots, time and space it offers; and also it is quick feedback to all the complaints. It also can build undergraduate identification of internet banking to emphasize the benefit of internet banking services; such as low cost service, conveniences, information availability and time saving. Saving transaction cost can improve customer service, increasing market reach and reducing costs are now basic expectation of internet banking services.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Availability of access to computer or internet is a precondition for adoption of internet banking. Show that the more widespread the access to computer or internet then the greater possibility of use of internet banking adoption. found that lack of access to computer as one of the reason for slow adoption of internet banking.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Show that accessibility to computer or internet will affect the decision to adopt internet banking. Relationship between the accessibility and internet banking is important and the outcome show that accessibility has a positively relationship with internet banking adoption intentions.