Examining the Evolution of Archeological Methodology Used Regarding Essay

Examining the Evolution of Archeological Methodology Used Regarding the City of Pompeii - Essay Example This second site was the remains of the city Pompeii. Today, efforts to uncover Herculaneum have been all but abandoned - the towns Portici and Resina now reside over the buried remains - while Pompeii has continued to garner global attention for several centuries. Over this length of time a number of archeologists have made significant advances in it's reclamation through an evolution of approaches and methods. This paper will examine four of the archeologists who have had the greatest impact on the findings. Modern findings related to Pompeii itself dates roughly back to around 1860, when Italy became one more settled as a united country. At this point Giuseppe Fiorelli was appointed inspector of the site (later being made superintendent) and took control of renewed excavation efforts. Fiorelli was frustrated by previous haphazard methods of excavation and demanded that proper mapping methods be used to document the area correctly. Most importantly, Fiorelli's discovery that the city's victims interred in the ash had physically decomposed some time ago, leaving impressions in the surrounding ash. These impressions were so exact that plaster, poured into the remaining mold, cast an exact replica of the deceased down to the details of facial features and expressions. This was the first important step in the history of Pompeii's reclamation, as the replicas' immediacy in presence added a dimension of humanity to the entire site. Driven by an intense interest to learn more about the citizen s, Fiorelli began searching for information about individuals. He was able to discover certain resident names by unearthing letter seals at some structures and, while these lucky finds were inscribed with actual names, such obvious finds were few. Instead, Fiorelli's assistant Matteo Della Corte realized that Pompeii's disaster had happened near the city's election time. Using the carefully recovered election signs and graffiti, the archeologists were able to piece together the names of some fifty people. Fiorelli's efforts laid the groundwork for future digs, having mapped out the underlying structure of a large part of the area. Yet his most important contributions were two fold: 1) he preservation through cast molds of the individual citizen remains and 2) his efforts to not only give faces to the victims, but names as well piquing future interests by establishing a direct empathy relating to the victims. The next significant archeologist was Vittorio Spinazzola, who worked the site from 1910 until 1923, when he was withdrawn from the project because of deprecating remarks against Mussolini. Spinazzola's goal was to completely uncover the main thoroughfare known as Porta of Sarno in an attempt to unite the routes leading from the amphitheater to the southern area of the city i.e., clearing one area of the city rather than dividing efforts. Like Fiorelli, Spinazzola viewed the victims as individual people, wanting to pay special attention to preserving the signs and other writings on the walls. However, the process of clearing the roads made the walls unstable; structures had to be excavated from within as well in order to buttress the walls. This process revealed beautiful interior mosaics, individual proclivities, ad operations of such businesses as laundries, bakeries, taverns, et cetera operations that had been suspected but never confirmed. While this

Texas basic trial courts Assignment Example | Topics and Well Written Essays - 250 words

Texas basic trial courts - Assignment Example The Supreme Court of Texas, is the final appellate jurisdiction in civil and small cases that issues writs. It has overall duties in Texas court system. Supreme Court has powers to implement essential regulations of civil trial practice, procedure, verification, appellate proceedings and publish rules of administration in the State. The Supreme Court has one Chief Justice and eight Associate Justices who serve for six years (Brandon, Quarles and Mathew 2003). Court of Criminals Appeals is Texas’ criminal counterpart of Supreme Court. It constitutes of nine judges who are elected and appointed as justices of the Supreme Court. During the hearing of cases, the Court of Criminal Appeals sit in panels of three judges, of which two must agree on a conclusion. The Court of Appeals in Texas have intermediate jurisdiction over civil and criminal cases in each geographic Courts of Appeal District in the state. They have limited writ authority. The court of Appeals is divided into fourteen districts with one chief and two to twelve justices. Three justices may sit in a panel during case hearing and majority must agree on the decision (Berry, Goldman and Janda 2008). In District Courts, civil and criminal cases in Texas originated in this level. Both are considered Courts trial of General Jurisdiction. They handle small cases, felony criminal maters, and civil actions over 200 dollars, divorces and title actions. County –level Courts in Texas, is a trial Court with limited jurisdiction. Constitutional County Courts have jurisdiction of fines greater than 500 dollars or jail sentence. Civil matters between 200 dollars and 5000 dollars, and appeals from Municipal are also handled. County Courts have control over civil cases under 10,000 dollars and partial control over criminal matters and Municipal Courts (May, 1996). Municipal Courts

Homwork Research Paper Example | Topics and Well Written Essays - 750 words

Homwork - Research Paper Example To begin with, children with televisions in their bedroom perform poorly in school and have high propensity to have sleep problems. Also, children who have television in their bedrooms are likely to be overweight and have higher risk for smoking. According to Parker-Pope, one of the consequences of having a television in a child’s bedroom is that the child end up watching programs that are not suitable for them without the knowledge of their parents (Parker-Pope Para 3). The article presents several studies that have been carried out to demonstrate the effect of having televisions in children’s bedrooms. For instance, he presents a study that was conducted on eighty children aged between 4 to 7 years in Buffalo. The findings of the research indicated that having a television in the bedroom increased average viewing time by approximately nine hours, from 21 hours to 30 hours. According to the research, there is high probability of parents of such children with television in their bedrooms to misjudge their children’s viewing time. In the article, Professor Leonard H. Epstein argues that the parents are usually unaware of what their children watch when the televisions are put in their bedroom. The television set is usually in the child’s bedroom and it becomes difficult for parents to remove television set from the child’s bedroom. In their one two-year research, Dr. ... The researchers discovered that reducing television viewing time did not increase play rate, but the children snaked less. This research did not simply the data by bedroom television viewing. However, the journal Pediatrics, 2002, reported that children with televisions in their bedroom risk being overweight. Further, the journal Obesity reported that boys have higher risk of becoming overweight. In a French research on adolescent, boys with television in their bedrooms showed higher likelihood of having larger waist, body fat and body mass index than their counterparts with no television in their bedrooms. In another study that was conducted among 400 children in six schools in Northern California, approximately 70 percent had television in their bedrooms. These children performed significantly and constantly lower on math, reading and language-art examinations. However, children who said they have computers in their bedrooms scored higher in the tests. Despite the fact that the pro found impact of bedroom television remains oblivious, it could be a big distraction from doing homework or it obstructs sleep leading to poor performance at school. A study on kindergartens indicated that children with bedroom televisions had sleep problems. Another research of over 700 middle-school students aged between 12 and 14 revealed that children with bedroom televisions have higher likelihood of smoking. 42 percent of those who had bedroom televisions in the study smoked compared to 16 percent of those who had no bedroom television. In another article, Parents Urged Again to Limit TV for Youngest by Benedict Carey, the American Academy of Pediatrics warned parent to limit the time that their children spend on televisions, computers and self-described educational games. The

Three pieces of legislation Essay Example | Topics and Well Written Essays - 500 words

Three pieces of legislation - Essay Example The safety here does not only include physical safety but it also includes protection and fortification against hostility and mistreatment. This act sets up certain responsibilities for the management (employers) as well as workers. The management is responsible for producing and executing a harassment and violence policy, for providing proper guidance and training opportunities to the workers, for recruiting people of proper age group, for making availability of emergency products and programs. Moreover the management should also have the health and safety program in black and white. The workers on the other hand are also assigned with certain responsibilities which are; they should take appropriate care of themselves and they should be careful that behavior and attitude should not affect others workers in a negative way, they are bound to pursue the protection measures in the organization, they should take part in the training and guidance programs, they should be very precautious and careful while using the machines they should also put on all the safety measures that are required, they should collaborate with the management and health committee in order to solve health and safety problems.

Why does the middle east is important to obama Essay

Why does the middle east is important to obama - Essay Example This became evident in 2007 when a plutonium-producing reactor of Syria in cooperation with North Korea, was discovered. Israel released photographic evidence of the said partnership leading to the raid of the nuclear reactor in Deir ez-Zor region and the dismissal of a terrorism attempt (Blackwill and Slocombe). Israel is skillful in making aerial systems, armored vehicle protection, and short-range rockets defenses, and robotics. It has been known as a world leader when it comes to developing devices and techniques for force protection (Blackwill and Slocombe). Because of the unifying goal of both countries to eliminate terrorism and nuclear proliferation, Israel shares its assets to United States which on the other hand, finances Israel’s projects and endeavors. In this case, the role of Obama’s partnership with the Israelis is to further develop missiles which would help him protect his forces and allies and span its influence over Europe, Middle East, and Persian Gulf (Blackwill and Slocombe). In all of these involvements, Obama does not only interestingly gain the assets of Israel but a possible underlying reason for this involvement is for him to expand its power over Middle East. This is evident in Michael Oren’s book, â€Å"Power, Faith, and Fantasy†. He stated, As an explanation to this, Oren mentioned about Jefferson and the May 1787 Articles of Confederation. In the meeting that followed, Americans felt a great threat from the kingdoms of Middle East countries. They stated, As a result of this, America waged wars all intended for Middle East. By imposing wars and force, America gained power over its greatest enemy – the Middle East countries and thus worry less about this threat (Oren). United States’ gaining of power and influence becomes more convincing when Obama expressed his interest in the oil industry of Middle East in his speech in

Income Inequality and Redistributive Policies Essay Example for Free

Income Inequality and Redistributive Policies Essay This paper discusses the factors that determine the increase in pay gap between top executives and the average worker. Income inequality has continued to be an economic issue in the United States. The changes in income inequality in the United States have been researched and well documented. The findings reveal an alarming state of affairs concerning income inequality in the country. Most labor economic policies have started to focus on the income inequalities in the country. One of the programs that target this issue is redistribution. For Redistributive Policies to work, it is important to know the factors that contribute to the increase in income gap between the executives and the average workers. Its significance in labor economic policies is vast because of its requirement for mobility as well as heterogeneity in the labor market. It is important to know how the factors established play part in income determination (Piketty Saez, 2003). As will be revealed in the paper, these factors do exist and play a major part in income inequality. Literature analysis The main concepts in the topic of discussion need to be defined. Income is defined as the total of all income components that are showed on tax returns. Income comprises of salaries and wages, pensions, gains from business dealings, capital incomes, rents, and realized capital profits. Income is thus defined as the market income prior to reduction of income taxes. Income is very different from wealth, and the main focus of the paper is income (Piketty Saez, 2003). Available literature defines income inequality in a manner that is completely different from the commonly known inequality, that is, poverty and unfairness. Income inequality refers to the unequal distribution of income among players in a specific economy. This could be income distribution in a particular nation or at the global level. Income inequality metrics seek to give a system of gauging dispersion of income. Income inequality in the economy of the United States is evident in different categories of people. There is income inequality between the executives and the average workers, as in the focus of this paper; there is inequality between men and women and inequality between whites and blacks. Income inequality between the executives and the average workers in the United States is an issue that needs to be handled with the seriousness it deserves. One of the efforts to achieve this is income redistribution (Piketty Saez, 2003). Income redistribution is the reassignment of income from some people to others. Studies reveal that there is concentration of income among the executives, that is, this group tends to earn more that the average workers. Therefore the distribution in this case is from the executives to the average workers. There have been many debates as to the rationale behind redistribution. It is clear that with the increase in income inequality something needs to be done (Piketty Saez, 2003). This will be discussed in a later part of the paper. Statistics to reveal income inequality It is evident from statistics that there is rampant income inequality in the United States. Following the reason of the hard work principle, current executives must work more that the average workers. They also work harder than they used to work forty years ago. As a result, their pay is expected to be higher than that of the average workers and also that it was forty years ago. In the year 2000, the average Chief Executive Officer salary was more than 500 times the salary of the average worker. This is a tremendous increase for in the year 1960 the salary of a Chief Executive Officer was only 40 times that of an average worker (Chingos, 2004). For many other reasons other than hard work, the salary of the executives went up tremendously than corporate gains, while that of the average worker increased in proportion to the rate of inflation. While the salaries of the average workers remained more or less constant they continued working hard as indicated from the results in productivity. The economic inequalities between the executives and the average workers can be observed from a broader scale, as indicated in the rise in pay between income quintiles. Between the year 1979 and 2001, the pay of the top quintile went up by 53 percent, while the pay of the lowest quintile increased by a mere 3 percent (Bebchuk Grinstein, 2005). This is the phenomenon that has marked the economy of the United States; the top quintile though earning more is the one that receives higher pay that the lowest quintile despite the fact that it is the one that earns the least (Kopczuk, Saez Song, 2009). Quite a number of the people who belong to the lowest quintile are the poor. Close to 13% of the United States public, which are about 37 million people are poor. More than a third of this group is, which is about 13 million are young people. Trends in the income, wealth and poverty statistics show an increasing gap among classes. The wealthy are getting wealthier, with the poor becoming poorer. There is an increasing gap between the pay of the executives and that of the average workers and there is no sign that this will change in the near future. This is an argument brought up by the Institute for Policy Studies that has been studying executive income since the year 1994 (Kopczuk, Saez Song, 2009). In the year 2007, the mean ratio between the pay for the Chief Executive Officer and the average worker was 344:1. There was a slight decrease in the average ratio to 319:1. There is a probability that the average ratio will continue to rise. The current estimate is almost hitting 400:1. If there is no remedy in place, there rate will continue to go up with a huge stock option gains by the executive. This is a worrisome state of affairs that should be handled immediately by public policies (Kopczuk, Saez Song, 2009). The public outcry about the income of the executives seems to have gone down in the recent past as a result of rallying of the broader capital market. The focus has shifted from the income to other matters like public health. Cavanagh, who is the director of the Institute for Policy Studies, argues that the income inequality between the directors and the average workers in the United States is a serious matter. He claims that the gap is still very wide, in fact wider than in most other nations worldwide (Chingos, 2004). This is considered a problem in a country that is supposed to be an example of a democracy in the world. The director argues that going back only one generation in the United States, the average ratio in the income between the two groups was 30:1. Based on the factors that are discussed later in the paper, it is not possible for the executives to earn the same amount of income as the average workers. Nevertheless a ratio of more than 300:1 is an exaggeration that should be carefully taken care of. The United States seems to be owned by just a few individuals in the top quintile, with the majority living in poverty. The country seems to be experienced very high rate of income and wealth inequality. The wall street journal reported that the average Chief Executive Officer of a sizeable company earns more than 10 million dollars per annum. This is a vast amount as compared to the 10,000 dollars per annum earned by an average worker (Kopczuk, Saez Song, 2009). Factors that determine the increase in income inequality It is a societal feature that people tend to earn differently. The positions held by people determine the kind of payment they receive due to the fact that they tend to hold varying responsibilities. The importance and complexity of the executive position means that they will obviously receive higher pay that the average workers. For the purpose of providing enough motivation for a wider range of occupation to be occupied, with motivated servants, the society requires to offer varying rewards (Chingos, 2004). Partisan politics The executives are the decision makers in any organization. As a result it is expected that they will always make decisions that are in their favor. Incestuous corporate boards of directors on regular bases approve compensation benefits to the CEOs and other top authorities that are unreasonable. While seated in the board, they only think of their own interests without caring about the hardworking average worker. The average workers have no one to defend their interests and as a result their pay rise increase slowly and after a very long time. This is what has led to the widening in the gap in the gap between the incomes of the two groups. Research reveals that, it is possible for the salary of an average worker to remain constant without increase for a decade (Chingos, 2004). Basic salary While job evaluation is used as the basis for determining pay increase for the workers, this is usually not the case with the executives. The pay increase and compensation for the executives is usually determined by the compensation committee. This is a committee that includes a number or all the members of the board within the organization. The decisions of the pay rise and compensation for the executives has nothing to do with the reports from job evaluation. It is also independent of the data on payment within similar organizations. This therefore means that there is no standard in pay and compensation of executives. There are also no standard rules to govern income and compensation for executives. Basically, income for executives is set to compete with pays of other executives in the market. As a result, the payment is always higher as compared to the salaries of the other workers in the organization. Recent researches reveal that the incomes for the executives within all companies are on the increase. A study of 100 major companies in the united states done by Mercer Human Resource Consulting reveled that the mean sum direct compensation for the CEOs in the studies companies was 4, 419, 300 dollars in the year 2004 (Bebchuk Grinstein, 2005). Executive benefits and privileges In the United States, executives are paid their basic salaries plus other benefits. This is what is together known as the Total Cash Compensation. The executives may also be compensated for their efforts with cash plus shares in the organization, which are most of the times subject to vesting limitations. This is what it means to be provided with long-term incentive. After the expiration of the time referred by the vesting restrictions, the shares are transferred. Vesting can be on the basis of performance, time or both performance and time. The incentives are provided to the executives as a way of motivating them to put more effort in running the company. These are some of the benefits that are not available to the average worker, therefore explaining the difference in their income (Bebchuk Grinstein, 2005). Benefits for the executives are obviously different from those offered to the average workers. The executives are the ones who receive higher fringe benefits, insurance and pension schemes. Most of the executives negotiate high packages during the time of employment. This is mostly tied to their education level, skills and experience. In this case, they are able to collect a lot of money from the company regardless of their performance. Executive privileges are special benefits that they receive. These perquisites are mostly paid to the executives and the top managers of the organization. These may be items like vehicles, membership to clubs, special parking among other amenities. It is common for the United States executives to get perks as part of their overall compensation (Chingos, 2004). Executive bonuses In the basic salary of the executives, most of their pay is not constant, they payment may be entitled to a compensation that varies with their level of performance. The intention of this compensation is a motivating factor for the executives to perform better. For example, there can be a reward for achievement of a particular target. One of the most common variable pay is what is known as executive bonus. This is a kind of compensation that is paid on achievement of some short-term objectives. The compensation is on the bases of any number of performance results. The compensation can be based on the judgment of the board or the amounts of profits or market share gained by the business. Nearly all the companies in the United States offer compensation or bonuses to their executives. This is a benefit that is not enjoyed by average workers in these companies. The Mercer research reveals that the executives of the 100 companies had a mean bonus of 1. 4 million dollars in the year 2004. This bonus is equivalent to 141% of their annual basic salary. This indicates that the bonuses are higher that the pay they receive as a basic salary. In other words, even if the ratio of the basic salary of the executives to that of the average worker was low, the bonuses accounts for the increased level of the income inequality among the two groups. It is evident that with this kind of income, there is no way the income inequality between the two groups can be avoided (Chingos, 2004).

Benefits And Disadvantages Of Internet Banking

Benefits And Disadvantages Of Internet Banking This chapter will review the e-banking system in Malaysia and review the relevant literature on consumer perception towards e-banking. In addition, this literature review also considers the discussion of customer satisfaction and loyalty towards internet banking. 2.1 Benefits and Dis-advantages of Internet Banking 2.1.1 Benefits of Internet Banking Bu using internet, clients can access to their accounts doing transaction or access to other services with cost reduction and more convenience because online bank are operation 24hours per day, 7days per week. Furthermore, banks able to expand their market penetration internationally and offer personalized online services like clients able to check their account balances and monthly statement by login to the secure website of the bank, make payments, and transfer funds to other accounts. The speed of online banking transaction is generally faster than ATM processing speeds. Internet banking also provides advantages likes flexibility, individually and mobility which is a brand new distribution channel for clients to make on-line transaction. The improvement of internet protection through security technologies such as automatic log-off, firewalls, encryption, monitoring tools and authentication to ensure clients trust on internet banking (Banking Info, 2007). Table 1 are the benefits arise are summarized by Thulani et al.(2009) in their research paper on various study of internet banking. Benefits Related literature Cost Reduction Bradley and Stewart (2003), Rotchanakitumnuai and Speece (2003), Jayawadhera and Foley (2000), Nath et al 2001, Al-Sukkar and Hasan (2005) and Singh (2004), Corrocher (2002),Chang (2003), Sullivan and Wang (2005). Increased customer base Bradley and Stewart (2003), Jayawadhera and Foley (2000), Jen-Her Wu et al 2006 and Singh (2004), Corrocher (2002). Enable innovation and development of non-core business services Jayawadhera and Foley (2000), Nath et al. (2001), Karem (2003), Corrocher (2002), Chang (2003). Marketing and communication Jayawadhera and Foley (2000), Karem (2003), Corrocher (2002). Increased consumer loyalty and satisfaction Jen-Her Wu et al 2006 and AL-Sukkar and Hasan (2005), Nath et al. (2001). High profit consumers Jen-Her Wu et al 2006 and AL-Sukkar and Hasan (2005), Nath et al. (2001). Ability to attract new consumers AL-Sukkar and Hasan (2005). Table 1: Benefits of Internet Banking Source: Thulani et al. (2009) 2.1.2 Dis-advantage of Internet Banking AL-Sukkar and Hasan (2005) and Singh (2004) had identify the disadvantages of develop internet banking. They stated clients have to pay indirect cost as some of the internet banking systems charge money on browsing connectivity on personal computer. Moreover, cash are not available through internet. Customers are unable to withdraw cash or deposit cash by using internet banking. They also emphasize on security concerns, the issue of security concerns may delay the clients adoption of internet banking. Before using internet banking, applicant required to go through some procedure in one of the bank branch, especially the clients want to open a joint account. Some of the clients not familiar to internet browsing, they have to go through tutorials to familiarize with the navigation tools. Unfortunately, clients require re-familiarizing the navigation tools to access their account once banks update and upgrade their online system. Last but not least, trustworthiness is the most difficult yet most important issue face by clients. They always wonder whether the transaction or payments have been proceeding to another account accurately. 2.2 Aspect that Influence Consumer Perception towards Internet Banking The financial institutions have been use the Internet as an alternative way in order to provide services and interact with their customers. The electronic banking (e-banking) is no exception. Three of the most important characteristics of financial services to extend e-banking are: High availability, Scalability, and Security. (Antovski and LJ, 2001). According to them, high availability also can define in reliability, availability and serviceability. The e-banking are design for easy and continuous service to customers. Yibin and MU (2003) also stated the three improvements of the system infrastructure which are to build-up the reporting services for online transaction, improve the e-payment system, and improve the telecommunications infrastructure and other forms of electronic transaction. Factors such as the speed of transactions or the cost of using the Internet have little impact on an individuals final decision. After setting up better system infrastructure through Web, the new delivery channel can highly recommended to clients by giving guarantee on security, privacy and trust of Web system to minimize barrier. The adoption of electronic banking forces consumers to consider concerns about password integrity, privacy, data encryption, hacking, and the protection of personal information (Benamati and Serva, 2007). The following research provided the analysis on different aspect that will effect customer perception towards internet banking. 2.2.1 Electronic Security (E-Security) Electronic security is a tool or process designed to restrict entry or prevent unauthorized access to a systems information assets or is a risk-management (Thomas et al., 2002). Mueller (2001) stated that e-security prevents the hacker and others from accessing customers information, security pin number or credit card number. Thomas et al. (2002) highlighted e-security adds value to a naked network. As Internet is a new distribution channel for banking system, it require to providing sufficient security to maintain trustworthiness of clients towards the internet. Any inexpedient of security in Internet usage may lead to increase fear and desperate among the clients and bar them to use the banking system as their private information being hacked. Thomas et al. (2002) stated that although technology offer a new distribution channel for financial institution but it creates opportunities for crimes to be committed very quickly. A criminal can use the tools available on the Web to hack database on internet and steal personal hidden identities in seconds. This is why e-security must be taken very seriously. However, Raigaga (2000) stated that some banker has delay the online banking service due to the security concern. Consumer perceptions of security are measure through the operations and processes of encryption, protection, verification and authentication. The mechanisms of encryption, digital authentication, firewalls, protection, filtering routers, and personal identification numbers influence the internet customers perception towards security and might increase the confidence and trust of consumer. E-security is one of the important factors to be stressed. Most of the customers refuse to use internet banking as the alternative way to carry on transaction and payment because they afraid of losing their private information and data on hacker. 2.2.2 Trustworthiness Trust is considered as a strategic variable in current marketing (Selnes, 1998). Meanwhile, the development of internet banking brings new challenges, this lead to an increase of motivation in bank to provide a better service. Bank image will might slightly improve if clients able to enjoy better service. Bank image and consumer trust are significant influence the individual behavior (Ratnasingham, 1998). Bank image and customer trust are significantly affect individual behavior and their level of perception (Ratnasingham, 1998; Rexha et al., 2003; Lehu, 2001; Ba, 2001). Since the online banking give a higher level of risk to the clients, so Gefen et al. (2003) stated that trust is an important aspect to take note when doing internet transaction because it determines the nature of businesses. The issue of trust arises when risk is involved. Trust is the main factor being concern because bank and clients are physically separated from each other and there is a large number of suspicious about the e-security over the Internet. Generally, customers distrust and worries about the reliability of internet banking even the e-security system is good. Apart from this, Chellappa (2002) also emphasize on trust will be favorably influence with the increase in perceptions of security in EC (Electronic commerce) transactions. Furthermore, clients lack of confidence on the e-security is the main obstacle prevent e-banking is being developed further. As William Pitt, the eighteenth century British statesman once said,confidence is a plant of slow growth. Nexhmi et al. (2003) believe that trust and commitment are key relational mediators in the development of customers within the banking industry. According to them satisfaction will have a role in development but a more important element is to maintain close bank-customer relationship. Overall customer satisfaction with the bank will be directly related to the level of trust within the relationship. 2.3 Consumer Satisfaction and Loyalty Towards Internet Banking. For offline environments, it is common knowledge that quality of services and products is a key determinant of customer satisfaction and customer loyalty (Caruana, 2002; Cronin and Taylor, 1992; Kelley and Davis, 1994; Parasuraman et al., 1988). The quality of services delivered through a Web site has become a more significant success factor than low prices or being the first mover in the market space (Mahajan et al., 2002; Reibstein, 2002; Shankar et al., 2003). Research by Patricio et al. (2003) goes one step further to measure service quality of various banking services through different delivery channels, including the electronic and traditional channels. They have found that perceived service quality with one delivery channel has an impact on how another channel is perceived. Moreover, Fassnacht and Ko ¨se (2007) found that high electronic service quality in web-based services had an important role in building overall customer trust for the service provider. Furthermore, Jean-Michel (2003) notes that customer is most important in designing, providing and evaluating the level of service quality. Customers past experience with the service is one of the factors that influence them to use Electronic banking for transaction. According to Vohra (2002), electronic banking makes it easier for customers to compare banks services and products. This can increase competition among banks and allow banks to enter into new markets by overcoming resistance and thus expand their geographical boundary. Banks operate websites through which customers are not only able to inquire about account balances, interest, and exchange rates but also conduct a range of transactions. Shailey et al. (2003) therefore notes that understanding customer requirements and meeting their demands and expectations is becoming a challenge. However, acceptance of this new technology has not yet been found to be equal in all parts of the globe indicating a lack of a common generalizability. Ramayah et al. (2002) suggest that users will eventually lose interest in using Internet banking if they feel that it is not useful to use Internet banking even though the system is rather easy to handle. One of the most important discussions was carried out by Machauer and Morgner (2001), who defined four clusters of German bank consumers. These were transaction oriented, generally interested, service oriented and technology opposed groups. In another study in Singapore, Liao and Cheung (2002) found that individual expectations regarding accuracy, security, transaction speed, user-friendliness, user involvement, and convenience were the most important quality attributes in the perceived usefulness of Internet-based ebanking. Among these, the first five determined the willingness of consumers to use of Internet based banking. According to Zorayda Ruth B. Andam (2003), 42% of respondents said they had access to computers and 7% said they had access to the Internet. Therefore, it can be perceived that this large variance has been found due to security obstacle in Asia and the emerging markets. This may be one of the greatest reasons why people do not initiate online banking or open inve stment accounts. Then, we might draw our concerns on perceived service quality and indeed, access to high quality services and products is another crucial concern. Apparently, there may also be a preference for personal contacts with the banks. customer satisfaction and customer retention are increasingly developing into key success factors in e-banking. http://www.mpexpert.com/images/stories/storydoc/Measuring_the_quality_of_ebanking_portals.pdf Sathye (1999) investigated the adoption of online banking by Australian consumers and argued that the intention of Internet banking in Australia is significantly influenced by variables of system insecurity, awareness of service and its benefits, ease of use, and availability of infrastructure Meanwhile the importance of the Internet to users banking needs relates to the advantages that accrue to the users of the technology in question. As adoption and the usage of the Internet banking services increases, a certain maturation point will be reached in the following years (Mà ¤enpà ¤Ãƒ ¤, 2006). Academicians also take a different stance in the theories they adopt when exploring consumer adoption of electronic banking (Laforet and Li, 2005). This study shows that only protected transaction, have significant impact on consumers perception about e-banking security, followed by service quality and regulatory frame work issues. This study offers an insight into e-banking in Malaysia. http://www.academicjournals.org/ajbm/pdf/pdf2009/Jun/Haqua%20et%20al..pdf African Journal of Business Management Vol.3 (6), pp. 248-259, June 2009 Available online at http://www.academicjournals.org/AJBM ISSN 1993-8233  © 2009 Academic Journals