Speaker for the Dead Free Essays

Prime Directive Response When managing remote aware species, it is critical to keep up what is know as a prime mandate. This is the thought that an animal varieties may investigate inaccessible planets, yet should play it safe when managing other conscious species to forestall any adjustment in their movement. In the novel Speaker for the Dead, the residents of Lusitania make a huge effort to safeguard their prime mandate, however the indigenous species seem to profit by their experiences with these people, and start to acknowledge it themselves. We will compose a custom exposition test on Speaker for the Dead or then again any comparative theme just for you Request Now The locals of the planet Lusitania, referred to the people as â€Å"piggies†, have gained much from the people in the short time that they have lived respectively. The human dialects, Stark and Portuguese, were fundamental so as to have the option to speak with the piggies, however the piggies appear to utilize it for something other than correspondence. Pages 142-143 show that the piggies can change among Stark and portuguese as a kind of language game that they play with the people. The piggies definitely know four distinct dialects, and the expansion of two more can enable their general public to communicate in more manners. Other than language, the unimportant certainty of reaching another conscious species shows the locals that they are not the only one known to man and that they may not be the most grounded or the sharpest. On the off chance that they understand this, it might assist them with uniting as a planet-wide animal types quicker than they regularly would have without outside contact. By observing that the people are all the more mechanically propelled, the piggies may likewise concentrate more on endeavoring to make new advances themselves. History has given us that most innovations happen on the grounds that they are essential, and the expansion of people on Lusitania may expand the need of mechanical movement. Now, the piggies are a long way from being prepared to do initially contact and thusly can't be polluted by human culture because of the Prime Directive. Their way of life appears to be in reverse to the people, however that doesn't legitimize any obstruction, regardless of whether it would conceivably profit the piggies. The two species are essentially excessively far separated in movement to have the option to effectively collaborate with one another. The way that two people have just been murdered, and severely so (in any event in human guidelines), fortifies this thought. The piggies’ culture is still ruined by radical conventions that the people don't comprehend and in all likelihood never will. By being around the piggies, the people are embeddings themselves into the piggies’ ceremonies and culture. The piggies may in the long run understand that their way of life is in reverse and may desert such ceremonies sooner than they would have. Or then again maybe, they may even adjust their way of life to human guidelines. With this being stated, it appears to be obvious that even insignificant contact between the two species is having an unpretentious yet significant impact on the two social orders. The social distinction of the piggies is too huge to even consider allowing connections with the people if the Prime Directive is to be kept up. As of now, as is seen on pages 144-145, one of the locals understood that the people are utilizing metals as an asset to achieve more prominent assignments, for example, flight. It might have taken a very long time for the piggies to have found metal as a helpful asset all alone. The people ought to have gone to far more noteworthy lengths to protect the prime mandate. No asset that isn't prepared accessible or achievable ought to try and be experienced by the locals until they find it for themselves. The thought of a prime mandate may appear to be obliging towards different species, however on account of the piggies it seems, by all accounts, to be practically unthinkable. The endeavors to become familiar with the locals of Lusitania without debasing their way of life has brought about a great many disappointments. Regardless of whether the people were to leave promptly, the piggies have still learned changeless data that they would not have even estimated for quite a long time. In spite of the fact that it appears as if the prime order has been undermined between the people and piggies, the last appears to in any case advantage enormously from the information. They’ve learned new dialects, found that making a trip to far off planets is conceivable, and are presently in any event, thinking about scanning for new materials to make better innovation. Maybe the people ought to have taken more consideration to forestall innovative defilement, however the colonization of Lusitania by people has prompted an inescapable movement of the local culture. The most effective method to refer to Speaker for the Dead, Essay models

Essay Writing Service - How To Find The Best Services In Australia

Essay Writing Service - How To Find The Best Services In AustraliaWhen you are in need of an essay writing service, one that will take on the large task of helping you with your writing, you will want to find one that will be able to provide you with the best service. Most people are not able to find someone to write their essays for them on their own, especially if they are working on it by themselves. This is because you may be in a situation where you just do not have the time or knowledge that is needed to be able to do so. This is why you should make sure that you look into a company that can help you with this process.When you start looking into an essay writing service, you will want to find out about their fees and what they offer in terms of essay writing services. You will want to make sure that you are getting the most for your money and at the same time ensure that you get the best possible service. You will want to make sure that you take your time and find the best poss ible essay writing service in Australia that will be able to write for you the best way possible.You will want to find out how long it will take to get the work done. You will want to know about the deadlines that they will be able to meet. It is also important that you ask about how many people will be working on the project.This will give you an idea of how long it will take to get your project finished. You will also want to make sure that you know how much it will cost. You will want to be able to find out how much time the writers will be spending on the project and what they will be charging you.There are a number of different costs that you can expect to see when it comes to sending the essay. The first thing that you will want to do is find out how long the essay will take. Then you will want to find out how long it will take for the writer to complete the assignment.The next thing that you will want to do is figure out what kind of payment plan you will be able to get with the essay writing service that you choose. You will want to find out if you will be able to get your payment back once the assignment is completed. This is a very important step that you will want to consider because you do not want to be at a loss for money.You will want to make sure that you check out all of the different payment plans that you will be able to choose from. You will want to compare these to find out which ones will work best for you. Once you have done this, you will be able to make a decision that will help you get what you need out of the essay writing service.If you need help with your essay writing services, you will want to find out what it takes to have your project completed. You will want to make sure that you are getting everything that you need out of the essay writing service that you choose. This is why you will want to make sure that you take your time when you are choosing a company.

Tips For Essay Writing in English

<h1>Tips For Essay Writing in English</h1><p>Sometimes, discovering tips for paper writing in English can be a test. You could have a wide choice of school article themes, however how would you pick the one that will really be fascinating and speaking to your perusers? Here are a few hints for exposition writing in English:</p><p></p><p>Start by making a diagram of your topic. On the off chance that you have not figured out how to make a framework for your composition previously, right now is an ideal opportunity to become familiar with the idea. Your framework will assist you with deciding the sort of considerations you have to communicate in your exposition. This will assist you with narrowing down on the topic that you ought to compose about.</p><p></p><p>The second most significant advance in planning for your article is to have a framework. A framework will enable you to comprehend what to expound on in your paper . There are a few different ways to make a framework. You can utilize a technique that has just been attempted by individuals or make your own. For some individuals, the web is the best spot to begin your examination in light of the fact that the data that you get will be solid and factual.</p><p></p><p>It is in every case great to discover as much as possible about various kinds of composing. Find out about different sorts of paper points. Try not to stress on the off chance that it appears to be excessively or excessively befuddling. On the off chance that you realize that composing a paper is troublesome, this won't be an ideal opportunity to burn through your effort on making sense of everything there is to think about it. Search for articles that will assist you with improving your aptitudes and apply them recorded as a hard copy essays.</p><p></p><p>You likewise need to have a rundown of inquiries prepared. It doesn't generally m ake a difference if these inquiries aren't important to discover the response to, yet they assist you with planning your reasoning procedure. You can utilize them to help figure your topic.</p><p></p><p>While you are planning for your exposition, remember that the paper itself isn't the objective. You should concentrate on the themes that you will talk about in your article. This implies you should concentrate on things that are applicable to the paper subject. Additionally, your perusers will value the way that you didn't sit around time in futile information.</p><p></p><p>If you believe that you can assemble an entire exposition all alone, at that point definitely, do as such. Else, you will increase significant information. Learning the essentials will likewise assist you with the way toward composing your expositions. A few people may feel disappointed or disheartened when they figure out how to compose articles alone. There are st ill heaps of tips for paper writing in English accessible in the event that you need to compose articles without the help of others.</p><p></p><p>The best tip for exposition writing in English is to let yourself relax and unwind. Moreover, you ought not think little of the trouble level of this errand in light of the fact that there are still a ton of tips for exposition writing in English that can assist you with composing better essays.</p>

Essays on Civil Rights Movement: the Ultimate Convenience!

<h1> Essays on Civil Rights Movement: the Ultimate Convenience! </h1> <h2> Top Essays on Civil Rights Movement Choices </h2> <p>You are probably going to adore our work. On the other side, it is really not advantageous. As it's stated, five individual fingers aren't as solid as a clench hand. People of color in this timespan (and even today) were simply endeavoring to make due to the next day and the sole way to do so was to put forth an attempt not to cause to notice themselves. </p> <h2>Essays on Civil Rights Movement - Overview </h2> <p>An extra mystery is that for us, you aren't normal. General verifiable data can be associated in your words. Moreover, there aren't any African American characters in the film in the smallest. </p> <h2> The Foolproof Essays on Civil Rights Movement Strategy </h2> <p>The Black Panthers were a fabulous case of this sort of association. Inside this area it is astute to speci fy the most popular pioneers of the social equality development and realize whether this development truly had progressive nature. The development brought about the surrender of isolation proposals and exercises. </p> <p>In case you have any inquiries, you can connect with our agreeable help group night and day and get prompt help. All together so as to convey an incredible paper on social equality, you must be in a situation to do appropriate examination so you can discover with and suitably tackle a couple of the difficulties and issues that have emerged as the years progressed. You need to invest a specific amount of energy sitting in the library or riding the web to find some accommodating information for your scholarly paper. Thusly don't miss out on this awesome opportunity.</p> <h2> What You Should Do to Find Out About Essays on Civil Rights Movement Before You're Left Behind</h2> <p>These rights are laws in the usa and numerous different c ountries. Social equality are guaranteed by law however took many years to reach. The social liberties speaks to the major rights that are delighted in by the people in a specific nation. African American social liberties has a long history. </p> <p>King needed to communicate the best approach to utilize peacefulness to gain equivalent rights. It's urgent not to ignore the crucial prefaces to the walk on Washington. The Civil Rights Movement was a unimaginably significant point throughout the entire existence of the usa. It was ostensibly the most significant thing to ever occur in the United States. </p> <p>You may see that one is extensively increasingly engaged and explicit in the focuses that it will demonstrate in your paper. So when you have a paper doled out that you need support with, you can buy exposition online modest from us. Such an exposition you're searching for will be offered to you inside the cutoff time offered to you. There are various paper composing administrations that believe they're the absolute best, and consequently don't be cheated and check the certifiable assortment of the very best.</p> <p>So should you have to utilize school exposition essayist on the web, we're only the individuals that you should contact. They may require an exceptional piece of writing to have a grant for their senior year. You're ready to effortlessly purchase extraordinary school papers and don't disregard to enlighten loved ones concerning it. A methodical article is completely an instructive errand given by an exorbitant personnel or college mentor to cohorts with the explanation for assessing a particular issue. </p> <p>Who realized paper composing may be so intense. The expense of an article is reliant upon the amount of exertion the author needs to apply. In the event that you are looking for top article composing organizations, give a shot the referenced previously. Along these lines, for your benefit, you have a brilliant opportunity to screen the headway of the alloted author and ensure an article will be prepared in an ideal manner. </p> <h2>The 30-Second Trick for Essays on Civil Rights Movement </h2> <p>As a result, such understudies begin searching for the best paper help to verify that their undertaking will be created at the maximal level in concurrence with every single scholastic norm. Each understudy must share something once consistently. Concentrating just will help improve your capacities. Groups assembled to have the option to end the understudies. </p>

The Topics Problem Solution Research Paper Cover Up

<h1> The Topics Problem Solution Research Paper Cover Up </h1> <p>Always offer you solid arrangement and clarify to your peruser why it's the ideal arrangement. Once more, the answer for you will be subject to your circumstance yet here are a couple of systems you might need to show up into. Explain to your perusers why your answer is the best choice out of the remainder of the arrangements. It is a procedure or activity that settles the issue. </p> <h2> The Ultimate Topics Problem Solution Research Paper Trick </h2> <p>In that case, to have the option to spare your marriage, you should drop control! There's nothing inalienably amiss with unique research, yet you need to pick inquire about issues that could be upheld, some way or another, by the assets that are accessible to you. Keep up a receptive outlook and relate the manner in which your examination can address their issues or upgrade any aspect of their life. At the point when you glanc e around, you're watch social challenges that influence society every single day. </p> <p>Issue course of action exposition is a sort of an investigation paper in which you depict a specific issue and attempt to find a method of grasping it. Pragmatic contemplations, including, the length of the paper you're composing or the entrance to assets to break down the issue may likewise factor in what number of inquiries to pose. Or then again, on the off chance that you would prefer to, have a clear piece of paper. </p> <p>Writing papers is quite often a difficult endeavor for understudies. The following are a couple of instances of well known subjects of conversation. While choosing a subject for your exposition be certain you are enthusiastic about it and don't get lost among a lot of data that can be found. 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Short Article Reveals the Undeniable Facts About Small Essay for 3rd Graders Samples and How It Can Affect You

Short Article Reveals the Undeniable Facts About Small Essay for third Graders Samples and How It Can Affect You Definitions of Small Essay for third Graders Samples We read in the indistinguishable school however in different segments. We've given unmistakable and general themes exposition which are typically allocated to understudies in the school. Passage composing worksheets are perfect for third graders. Underneath we've given some simple section and direct exposition on Myself for the school understudies. I am extremely reliable and like to do my all works during that time at right second. It's realized that each stunning thing begins with little measures. I was very little at that point. I don't accept day may have any better. It is among the most valuable days in my own life. An unnatural weather change is transforming into a progressively basic issue, and it has come to be a danger to our planet. I dwell in rather generally excellent society where a few projects are composed every now and then so as to bring issues to light among normal open with respect to the social issues. This would make our reality a brilliant spot to dwell. I help other people and attempt my absolute best to fix their issues. It has a few societies and customs. Little Essay for third Graders Samples Help! The objective of the kind of composing is to make the peruser experience the story firsthand. Imagine there is nothing of the sort as TV. He is a great player. Envision you're a mountain and you're sitting and viewing the world. In synopsis, at the current second school is a huge phase of my life. Little Essay for third Graders Samples This is on the grounds that we're genuine companions and we're limited by the typical interests. The understudy could depict a family member or somebody they turned upward to. My folks are incredibly cognizant to my prosperity. 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Science is a subject which, essentially, supplies you with valuable data in regards to the various substances or sorts of materials which make the physical world around us and the manner by which they carry on or respond with each other. Kristen and I was unable to hold on to go join. I truly like journaling so m uch that various decades beforehand, I composed and independently published a few children diaries. The Advantages of Small Essay for third Graders Samples It presents only the right measure of data or information basic to take care of an eager psyche. In the event that, for instance, you're composing an article on preparing a pooch in 5 stages, don't consolidate the underlying 3 stages in a single section and your very own ability in the end. They have to have expert articulation and thinking capacity to appear. These are distinctive in the way they're written notwithstanding their goal. Each passage of the human body must have a solitary point and be bolstered by three or four sub-focuses. When working on composing, it's not fundamental to expound on a particular theme or have a completely clear objective at the top of the priority list. The War Against Small Essay for third Graders Samples Short expositions are significant when one is wanting to introduce a significant point with out expecting to make a lot out of words or utilizing a few pages. Let them to search out the new proposals to apply.

Study And Analysis On The Banking Sector Finance Essay - Free Essay Example

A vibrant and proactive sector on which the economy of any nation depends on is the banking sector. The Banking sector thrives on the provision of an enabling environment for business transactions and further improvement of its services portfolio to its customers. Strategic planning in the banking sector encourages bank growth which affect prosperity; it involves a long term planning taking into attention, The Banking sector represents a trading unit of an economy. It strives on providing an enabling environment for business transaction and continuous improvement of its customer services. Strategic planning in banking enhances the growth of banks, which subsequently effects prosperity. It involves a long term planning with consideration for opportunities and threats posed by the external environment. In order for banks to achieve its objectives effectively and to ensure the satisfaction of its clients, well defined strategies are required during decision making and policy formulation/application. Katuri(2005, p.1) state that advancements in technology however, has brought about a paradigm shift from traditional banking practices by banks to offering Internet based banking services such as Automated Teller machine [ATM], Electronic banking ,Mobile Banking which collectively ease difficulty in banking like cost effectiveness and timely delivery of transactions other products and services As further emphasized by Nair (2005, p.151), the usef ulness of information technology in the field of banking has become intensive. Nair (2005) also opines that technology has become an enabler for the needs of customers and banks to be met especially, as needs of customers lifestyle keep changing overtime. The growth of technology has bridged the bottlenecks in product delivery to customers. Nair (2005) believes the embracing of technology by banks as a strategic and calculated attempt to improve productivity, profits, reduction of operational cost and efficiency. ABA (2004) and Fox (2005) likewise believe that electronic banking services rendered by the banking sector are often customized towards the retention of existing customers, acquisition of new customers and ultimately improvement in productivity levels, so as to gain a competitive edge in customer retention over traditional banks (who do not readily embrace e-banking). The utmost concern in a world of developed information technology is how the gap of time, distance ca n be bridged while at the same time maintaining effectiveness and accuracy. New trends in information technology have indicated that barriers such as time and distance could be bridged while effectively maintaining efficiency in the provision of banking services to customers. The age of internet explosion has been a great relief to the factors constraining the effectiveness and awareness in both social and transaction world. Ganti (2005, p.56) stated that the introduction of -banking shows a paradigm shift in the customer relationship marketing environment for banks. It has repositioned the modern banking sector, subsequently creating unlimited opportunities with customers becoming sophisticated. In the transactional world, the era of internet explosion has tremendously improved the banking sector through the system Known as ELECTRONIC BANKING. In recent years the Banking sector witnessed the coming of age in Electronic banking and decline of traditional way of banking practi ces, research carried in 2004 by American bankers Association[ABA] evidence shows that banks offering electronic based banking services gain higher advantage in servicing banking. Electronic banking usage by banks are targeted at reducing operational cost thereby sustaining efficiency and increasing market share while retaining its customers (ABA 2004, Fox 2005).Despite the explosion, a new market based services is being offered by Electronic banking. The Stewart Brandley (2002) in their case study titled A delphi study of drivers and inhibitors of internet banking indicates that countries of the world have been able to embrace the system; while some countries have advanced tremendously, others are yet struggling with constraints. The advanced countries known as technologically developed nations such as UK and USA have maximized the potentials of Information Technology in banking while developing countries such as Nigeria and Egypt are yet to fully adopt the new trend i n banking technology. Ovia (2001) states that the factors constraining the growth of Electronic banking in developing countries are: Illiteracy Poor infrastructure: High cost of Telecommunication Power supply Security Lack of awareness Illiteracy The above listed constraints are huge impediments towards the adoption of e-banking in Nigeria. The study about Nigeria shows pinpoints the majority of Nigerian nationals as rural dwellers, therefore a good enlightenment campaign will result in a remarkable increase in the banking sector and the subsequent usage of electronic banking service offerings. However, it is worthy to categorically state that technological advancement has been a major driving force of GLOBALISATION. The effects of globalization on e-banking is such that technology-related advancements achieved via e-banking has provided a solution to the problems of distance and time subsequently ensuring that customers can transact business and gain acce ss to new markets easily. 1.2 AIMS AND OBJECTIVES 1.2.1 AIMS The study aims to identify and discuss the impact of information technology on customers in the retail banking industry with special emphasis on the Nigerian environment as a case study. Also, factors that influence the customers in the adoption of technology, low awareness levels of technological offerings will be discussed. The affinity of Nigerian banks toward the information technology platform would also be considered. 1.2.2 OBJECTIVES Definition of e-banking and the analysis of the advances in e-banking since its introduction in the Nigerian banking industry. Identification of the advantages e-banking brings to the banking industry. Discussion of the effect e-banking has on customers and an insight into their level of electronic usage or experience. Research and analysis of e-banking products/services/portfolio provided by banks to their customers. Identify reasons for under-development of e-banking in Nigeria To make recommendations for the modernization and development of the e-banking platform. 1.3 MOTIVATION BEHIND RESEARCH TOPIC In recent years the technological advancements has necessitated the move towards technological development in Nigeria. It is a developing country with a population of about 140 million people, and its a country with huge telecommunication growth in Africa over the past 10 years. The country has experienced an impressive level of development in tele-density (number of telephone lines per population unit, usually 100 people) from a tele-density of 0.73 in 2001 to 46.80 in 2009 (Nigeria Communications Commission [NCC], 2009). The explosion in tele-density has immensely improved the growth rate obtained in various industries. However, despite the explosion in telecommunication activities in the Nigerian environment, Nigeria is still to meet up with the advancement in technology like other developed countries such as the United kingdom. However, (Ovia,2001) also believes that the move towards technological advancement is hampered due to lack of proper infrastructure such as power supply, communication and security is also a major problem. These are recognized as potentially huge impediment to the economic development and advancement in technology 1.4 SIGNIFICANCE OF RESEARCH TOPIC The importance of this research is such that it emphasizes the merits and demerit of e-banking in the Nigerian retail banking industry. Subsequently, information gathered and researched would provide a good starting point towards suggestions on the improvement of banking services in Nigeria, but most importantly the formulation and implementation of policies that will incorporate technological improvements such as e-banking in the pot-pourri of banking services available to the Nigerian public. The Nigerian banking sector has not been spared with the banking boom era of the 90s which did not last long- a situation which saw many banks closing down and the eventual loss of public confidence in the banking industry, consequently leading to the creation of the failed bank tribunal by the government. The banking boom is back but the banks are facing stiff competition in retaining their customers, their customer retention ability will depend on the information technology infrastru cture available. However, global recession in 2008 was marked coincidentally by failures of banks and unstable slip in economic statistics. Based on these premise, the global recession will not affect e-banking services in Nigeria due to its relatively new introduction to the Nigerian retail banking industry, and as illustrated by Fox (2005) and ABA (2004) evidence proves that banks offering these internet based pot-pourri of services are better positioned in retaining customers than traditional non electronic banking banks. 1.5 PROJECT CONSTRAINTS Time: Availability of time will be at a premium all through the duration of the project. Factors to also consider in the estimation of available time towards the project are coursework from other taught units and examinations. Non-commitment from respondents: Low or no response from client that are to be interviewed or not getting the information needed because is view as classified documents by the client company. Also respondents not returning questionnaires are a major constraint. 1.6 RESEARCH METHODOLOGY The research methods that will be adopted are the primary and secondary data methods. Primary research method will involve the use of surveys for data collection: statistical data. The research technique shall be questionnaires given out randomly to people in the Lagos metropolis and bank personnel. However, the secondary research shall be based on data collection from different websites of banks and on existing factors to support the research work. Also, the University library and the internet will be a major source of information. 1.7 STRUCTURE OF THE PROJECT This research begins with an introduction in chapter 1. Chapter 2 centers on the review of related literature. Subsequently, it covers detailed explanation on facts outlined, advantages and disadvantages. Chapter 3 shall explain the different research methodologies and reasons for using the chosen methodology. The evaluation of secondary research will be included. And chapter 4 shall give a full analysis and interpretation of results from primary research information and the future of electronic banking in Nigeria. While chapter 5 shall look at the research findings and chapter 6 looks at the conclusion and recommendations. METHODOLOGY 3.1 RESEARCH METHODS The research methodology is classified into two groups and the information gathered is analyzed as quantitative or qualitative data. PRIMARY RESEARCH The primary research involves communicative interaction with people. The information gathered will be analyzed to ensure its usefulness to answer the research question and for the research purpose. The information needed will be collected by questionnaire surveys, focus group, content analysis and observation. SECONDARY RESEARCH The secondary research entails the processing of information that has been previously analyzed and used for further analysis. This information can be assembled from prior research studies, journals, books, articles and online materials. Both methods have advantages and disadvantages and the suitable approach is to understand the rationale for the evaluation of the survey, the required information and the number of respondents required to arrive at a conclusion on research findings. The credibili ty and date of publication must also be put into consideration when applying secondary data to avoid erroneous outcomes. Since the main aim of the research is to select a method that meets the research objectives, secondary data may not have dealt with the current topic or may be outdated so it is essential for a primary research. That notwithstanding, some disadvantages of the primary method is it is time consuming because information is critically analyzed to get accuracy in results. 3.2 METHOD CHOSEN With regards to this research, both methods were used because Electronic banking is still relatively new in contemporary networking circles and previous research in this area is limited in comparison to other related topics. One reason for choosing the primary data is because it is believed to be versatile and flexible in nature. The performance ordinarily has a more profound effect on the survey results than has any other single element of survey (Alreck Settle 2004, p.89). While secondary research allows for comparism of data collected from previous studies, they are required for guidance of the primary research (Frankfort Nachmias 1996, p.306). However the use of only secondary research will not give the required results. Through secondary research, banks adoption of Electronic banking in relation to the level of customer adoption and service rendered and the evaluation of secondary research data have aided in scrutinizing problems associated with the research topic. Furthe rmore, analyzing to what extent Electronic banking is adopted by Nigerian banks and customers level of adoption of these services. Valuable information was retrieved from secondary research in the analysis of the research topic. However, some limitations were that collated data was not enough to summarize and draw conclusions and so the use of primary method (Questionnaire) was applied to ascertain the authenticity of information obtained from secondary data was accurate. However the limitation of using a primary research is slow response from respondents and some not even returning the questionnaire. The objectives of the primary research is To identify the level of adoption of customers to Electronic banking. To research and analyze the degree of Electronic banking services offered by banks. The questionnaires were distributed via email. Another format for this was personal interview with banks with some open ended questions such as What measures are on ground to en hance internet banking security? This allowed for respondents to answer the questions freely without restriction of options. The information retrieved was accurate because all banks have distinctive security software in operation. The second format, the close ended questionnaire, was for respondents to fill, with a number of options to choose from. This is fast and easy to return without delay. 3.3 THE RESEARCH PLAN The research plan is a blueprint of sampling unit, sampling frame, sampling procedures and design. The sample unit was in form of a survey carried out within the heart of commerce in Nigeria, Lagos state. The sampling frame comprises of all the banks in the Lagos metropolis and with a sample size of 10 to enable good response for accuracy than loads of questionnaires filled incorrectly. The method used was stratified sampling to ensure diverse groups of people were well represented in the sample and to also increase accuracy level in the estimation of parameters. The sampling procedure was in two parts with focus aimed at two groups. The first is the service provider i.e. the banks, comprising of the old and new generation banks. The second is the service users i.e. customers. The total of questionnaires that were distributed was 80 and 68 was returned. The questions were directed toward the students, working class and to the general public as well as tailored questions towards int ernet usage accessibility and electronic banking service awareness. The researcher gathered useful information with the adoption of this method and the same question was sent to all respondents for ease of analysis and because the viability and reliability of a research study largely depends on information consistency to obtain reliable results. 3.4 ANALYSIS OF SECONDARY DATA Data assembled from previous research was beneficial in evaluating the research topic. When considering secondary research, the data analyzed does not meet the researchers need as results were not completely accurate in fulfilling the aims of the research. Despite this limitation, a careful examination was made to ensure that data collected were from sources that could justify precise information and to also ensure accurate documentation of findings is presented correctly after evaluation. The secondary data was analysis on works done at Nigerian institutions, Obafemi Awolowo University and the University of Benin. However, the research aim differs from the research project as the focus was Electronic banking in Nigeria. Nonetheless, important information was retrieved for the aim of drawing conclusions. 3.5 SUMMARY In the methodology chapter, the various available research methods have been examined and have been used to justify a chosen method. A sample size would have generated a more accurate result but despite this and the limitations faced, evaluating secondary data has assisted in consolidating research findings. RESEARCH ANALYSIS 4.1 INTRODUCTION In this chapter, analysis will be carried out on data that are gathered from the survey findings. Primary data of Questionnaire A was to the service users or exploiters. This was oriented for the accessibility of the internet and having knowledge of electronic banking. And Questionnaire B of the primary data was to the service supplier or providers. And to analyse the secondary data and equating solutions from primary data in order to break down the findings and to check if the research question has been correctly answered. In order to involve all the categories of respondents the questionnaires were randomly sent out and wasnt for just a particular group. With this method the researcher will be able to gather information required for the research aim, and the research findings will be well analysed. The total of questionnaires that were distributed was 80 and 68 was returned, electronic banking users were 72% while non electronic banking was 28%. Regardless of the little number of that responded, due to response, the rates of questionnaires are usually below 40% and results should still be broadly acceptable stated by (Cano, 2008) which has guide the researcher to resolve that a 30% response rate would be regarded valid for this research and results purpose. 4.2 Questionnaire A For easier and more detailed analysis of the information gathered, the results of questionnaires were put into charts and graph. According to Nachmias and Guerrero (2006, p.329) using a chart from the results gives way for simpler explanation for understanding. 4.2.1 Questionnaire Results Question 1: What is your Gender? Male = 43 responses Female = 25 responses In figure 4.1 the chart below shows the average of male and female respondents. The male respondents were averaged up to 65% while the female respondents were 35%. This indicates the increase of male users of electronic banking is more than the female users. Figure 4.1 Male and Female Respondents. Question 2: What age category do you fall into? 18 30 = 28 responses 31 40 = 21 responses 41 50 = 12 responses 51 64 = 7 responses 65 and Above = None In figure 4.2 the graph below, is the representation of age respondents who brought back questionnaires, 42% falls under the ages of 18 30 years, 32% falls under 31 40 years and another 18% was 41 50 years while ages 51 64 was 8% but they was no feedback on the 65 and above. Research made shows that ages 65 and above fall under the retirement stage or age and majority of them do not comprehend the utility of new technologies. However, Matilia Pento (2002) indicates the majority of electronic banking users are comparatively young and have been educated to use computers and the internet. This also shows that electronic banking in the society is mainly members of the working class. Figure 4.2 Age Category of Respondents. Question 3: What your level of education? O Levels = 9 responses BSc = 31 responses OND = 4 responses HND = 15 responses MBA = 9 responses In figure 4.3 this chart below shows the different respondents educational level is shown. 50% are University graduates (Bsc) holders, 20% are higher national diploma (HND) holders while master business administration (MBA) and O level holders shares the same average with 12% each. This shows that electronic banking users are educated. Sathye (1999, p.326) aver that people using electronic banking are well and highly educated. Figure 4.3 Educational Levels of Respondents. Question 4: What is your occupation? Accountants = 11 responses Doctors = 8 responses Engineers = 11 responses Lawyers = 4 responses Others = 20 responses Students = 11 responses Teachers = 4 responses In figure 4.4 the chart below is a representation of different respondents occupation from questionnaires that were returned. Accountants, Students and engineers share the same percentage with 16% each, Lawyers and Teachers also share the same percentage with 8.5% each, Doctors were 10 % and for respondents with other occupations which are not listed like farmers, traders and so on were 25%. Figure 4.4 Occupations of Respondents. Question 5: Do you have internet experience? Yes = 52 responses No = 17 responses In figure 4.5 the chart below represents the average of respondents that has experience with the internet which is 85% while the average of respondents without internet experience is 15% which makes a huge difference between them. Figure 4.5 Respondents With Internet Experience. Question 6: Do you have internet access? Yes = 45 responses No = 23 responsses In figure 4.6 the chart below is the representation of the total average of respondents that gave on questionnaires. In this chart 72% agreed and said yes to have access to the internet while 28% said NO they dont have access to the internet. Figure 4.6 Respondents With Internet Access. Question 7: How frequently do you use the internet? Often/Daily = 24 responses Few times a week = 19 responses Once in 2 weeks = 11 responses Once in 4 weeks = 8 responses Once in 6 weeks = 6 responses Once in 2months = 2 responses In figure 4.7 the frequency of internet usage is shown in the chart below. 35% of respondents use the internet often/daily, many respondents which average to 40.5% use the internet a couple of times a week, 10.5% use the internet once in two weeks, 8% use the internet once in a 4weeks, 4% use the internet once in 6 weeks, while 2% use the internet once every 2months. With research on respondents that are under categories 40.5% and 35% were people who have full-time office jobs and have internet access in their workplace and some who could afford internet in their homes. Figure 4.7 Frequencies of Internet Users. Question 8: Are you aware of electronic banking? Yes = 59 responses No = 9 responses In figure 4.8 the chart below the average of respondents aware of electronic banking are shown. 92% of the average represents those aware of electronic banking while 8% were not aware of electronic banking. Figure 4.8 Awareness of E-Banking of Respondents. Question 9: Do you have experience with any electronic banking service? Yes = 49 responses No = 19 responses In figure 4.9 the average of respondents that use electronic banking. 74% of respondents said yes for using one form of electronic banking or the other, and 26% of respondents said no. Nevertheless 25% out of the 74% respondents said they dont know the type of electronic banking they use, and they were added to the 74% because the answer yes on question on if they have used any form of electronic banking service. Figure 4.9 Respondents That Have Experience With E-Banking. Question 10: Which type of electronic banking service do you use? Online Banking = 14 responses ATM = 32 responses Telephone banking = 11 responses Post banking = 7 responses Branch banking = 4 responses In figure 4.10 this chart shows the total average of respondents using any form of electronic banking. The Automated Teller Machine (ATM) has the highest amount of respondents with 60%. The ATM is virtually the most utilized source of electronic banking for the respondents. The ATM is a single machine that has several features such as check onscreen balance, pays cash, prints account statement and so on. The ATM is widely known and is the most popular electronic banking source and the reason for this is that its easy to use and its convenience for accessing your account anywhere 24 hours a day 7 days a week without stepping into the bank. 17% of respondents uses online banking and another 15% of respondents use telephone banking. These two sources of electronic ba king are mainly used by business people or companies for transaction, direct debit and so on. 3% of respondents also use post banking and 5% use branch banking. Figure 4.10 E-Banking Preferred Options By Respondents. Question 11: How frequently do you use electronic banking services? Often/Daily = 32 responses Few times a week = 20 responses Once in 3 weeks = 10 responses Once in 6 weeks = 8 responses Once in 2months = 6 responses In figure 4.11 this chart shows the frequency of electronic banking usage is shown below. 54% use e-banking service very often, 24% of respondents use e-banking service once a week, 15% use electronic banking once in 3 weeks, 4.5% use the service once in 6 weeks while 2.5% use electronic banking service once in 2 months. This shows that users are increasingly adapting to the style of electronic banking. Figure 4.11 E-Banking Usages of Respondents. 4.2.2 Summary The survey results have actually shown the level of internet experience and the accessibility to internet by customers/clients. The customers/clients awareness of electronic banking was also shown; it could be viewed by the average of respondents using some of the electronic banking system such as Automated Teller Machine, Online banking and Telephone banking. With the automated teller machines (ATMs) having up to 60% of electronic banking awareness simply means its the most commonly used service. The ATM is easy to use and could be accessible anywhere 24 hours a day 7 days a week. Nevertheless a significant amount of respondents dont know the kind of electronic banking service they use; shown in the questionnaires that was returned. So therefore it is the banks responsibility to educate customers/client on these electronic banking services and their benefits. 4.3 Questionnaire B In this part questions are being directed to the banks to measure the kinds of electronic banking services they offer, and what they benefit from the services. Also, for any advertisement to attract new customers and to improve customer satisfaction. The two banks that were interviewed had one form of electronic banking system or the other. Both banks are being categorized into two different classes, old generation bank and new generation bank. The table below shows both banks that were interviewed and the electronic banking services they render, and they are into Mobile or Telephone banking service, Automated Teller Machine (ATM) service, Branch banking service and Online banking service. Nevertheless, both banks are not into Post banking service. One of the questions asked is if electronic banking has improved their place in the banking world and both banks replied with the same answer yes, that means the help of electronic banking has increased their in the industry and has g iven them the edge over competitors that have not yet applied these new technologies. However, the satisfactory level for customers has also increased and one of the reasons for that is because customers now have 24 hours access. The banks themselves has also benefited from the introduction of electronic banking in the sense that it has been helpful to reduce cost and man power. Research results from the banks that were interviewed shows that the banks has invested so much on security for the safety of customers to protect them from electronic theft. So therefore the installation security softwares has given banks the opportunity to protect customers personal information and to gain trust from their customers. Another question asked was if they have any advertising or improvement plans on electronic banking services, and both banks said yes to the question and are making plans for introducing internet access with a mobile phone and advertising it in public places such as shopping malls, post office and fuel stations for the improvement of electronic banking to catch the attention for new customers. Then the last question asked was how much is their estimated yearly turnover since electronic banking was introduced. The table shows results in a clearer understanding. Names Of Banks Electronic banking services Electronic banking services provided Has it Enhance Position Reduction of operational Cost Improved Customers Satisfaction Software in Used Plans for improvement Turn over Union Bank PLC Yes Online banking, telephone banking, ATM and Branch banking Yes Yes Yes Transactional code Internet access with mobile phone 93.7b Guarantee Trust Bank Yes Online banking, telephone banking, ATM and Branch banking Yes Yes Yes Transactional code Internet access with mobile phone 91.2b 4.4 Secondary Data Analysis In this section the focus is on two various research survey carried out by some Nigerian institutions. After analyzing this research, it will be utilized in results comparison from primary research. Franfort (2006, p.206) suggests more credibility will be gain on research finding if it comes out in number of reports and when collected data is analyzed in different times. It can also be utilized to explain and describe change. Nevertheless, some specific research purpose was not met by researcher in the survey from early research. Instead, it is more focused on the adoption of electronic banking and providing the use of electronic payment services in Nigeria. This is seen in the secondary research as a major limitation, regardless of this limitation the use of secondary research was utilized as a technical compliment review of literature and primary research for the aim of verifying and testing results. These permit researchers to make conclusive findings. 4.4.1 Research Survey 1 4.4.1.1 Background The adoption of electronic banking in Nigeria was the name of the title of this research which was handled by chiemeke in 2006, a Nigerian senior lecturer of computer science department in the University of Benin Nigeria. The aim of this research is to measure the stage of electronic banking services rendered by banks after deregulating the banking society and component that affects its adoption. The method used in the survey has a similarity with Diniz, (1998) model for evaluating status of the banks websites for transaction channels, Information delivery, Security level and customer relationship. 4.4.1.2 Results from Finding The research result on electronic banking services reveals that it has been rendered from the basic level of fundamental interaction. In the evaluation, out of 12 points score the results was between 4.5 and 11 points which means the basic level were high. However, as the interactivity level increases the scores reduces. Likewise, the outcome of functionality which was between 4 and 9.5 out of a total of 12 points, which indicate all banks do have information sites. Nevertheless, they were low scores on the transactional level of functionality which was between the range of 0.5 and 4.5. These indicate that electronic banking services rendered were on a low level. In addition, the score for the security level were also low with 47.7 percent adopted security level. However, some other known facts affecting electronic banking in Nigeria were poor power supply and unsatisfactory operational infrastructure. The aim of the research was at the banks and the adoption of electronic banki ng services rendered such as customer relationship, Transaction channels, Security level and information delivery and with the customers level of awareness of online banking service had no attention. The research questions of researchers were not answered, but nevertheless the transaction level of functionality questions were partly answered on the research question. This reason is probably because the two banks questioned are already offering one form of electronic banking service or the other. 4.4.2 Research Survey 2 4.4.2.1 Background The title of this research was called Telephone banking services and electronic payment system in Nigeria. Agboola conducted this research in 2006, another Nigerian senior lecturer in the Obafemi Awolowo University Nigeria. The evaluation of Telephone banking service and electronic payment system offered and used by Nigerian banks was the aim of this research. The method used on the research was the distribution of questionnaires and interview of banks personnel. As at that time chosen sample size was 36 banks out of the 89 banks. 4.4.2.2 Result from Findings The adoption rate of e-payment services results from analysis revealed that the most adopted technology is the Local Area Network (LAN) out of the 36 banks interviewed 35 banks adopted it. Likewise, out of the 36 banks interviewed 34 banks have adopted MICR cheques and already put to full use. Nevertheless, some technologies had low adoption rates. Telephone banking was one for them with a low adoption rate of 22%, the adoption rate for Automated Teller Machine (ATM) was 16.7% while the Home and office e-banking was 19.4%. This research supports the Chiemeka (2006) finding of inadequate power supply and poor operational infrastructure. Consequently, the focus of this research was on electronic payment devices used by banks and not on the awareness level of customers or e-banking adoption. However, to some extent the research question was answered, this observation could be seen from results with the adoption rate on telephone banking and 22% and the ATM having 16.7%. this shows that the banks are gradually adopting to these services. 4.4.3 Summary Identification of some form e-banking supporting the primary research has been identified by both research surveys. This clearly indicates the gradual process of customers adoption to these services and e-banking is been offered by the banks to some extent. RESEARCH FINDINGS 5.1 INTRODUCTION In this chapter, conclusions will be drawn on research findings and analysis from previous chapters will serve as a review mechanism for the aims and objectives of this project. 5.2 RESEARCH FINDINGS The non adoptions of electronic banking were the key elements that were discussed from the review of associated literatures. In previous research, indications showing the huge impediment to non adoption of electronic banking were lack of awareness and security. Meanwhile electronic banking from retail banks point of view is seen as a competitive advantage retaining their customers and the banks will greatly depend on their new technology adoption in the banking sector and with the advancement of technologies they can compete and be ahead of their competitors, this clearly means adoption electronic banking services has greater advantages over its disadvantages. The aims of the research were to analyse the level of customers awareness to electronic banking services and the rate of adoption of electronic banking service by Nigerian banks. Results from survey shows that electronic banking services are already in use by the two banks that were interviewed but both banks were not into post banking and the two banks are also introducing internet access with a mobile phone and advertising it in public places such as shopping malls, post office and fuel stations for the improvement of electronic banking to have a competitive advantage in the market, to retain existing customers and to catch the attention for new customers. However, the adoption of electronic banking and the level of awareness from customer shows 72% of respondents have access to internet while 28% do not have access to the internet. The level of internet experience and frequent use of computers in their workplace allows accessibility to the internet by customers/clients. On electronic banking level of awareness and the usage of its services, the percentage of respondents that are aware of electronic banking 92% and just 8% were not aware, and with another large 74% claim they are electronic banking users while 26% do not make use of electronic banking, and to a surprise 25% out of the 74% do not even know the type of electronic banking service they are using and this was because the electronic banking services listed on the questionnaire were not known as types of electronic banking by these respondents which still falls back to customers lack of awareness. Consequently, the Automated Teller Machine (ATM) has up to 60% adoption according to questionnaire results on the types on of electronic banking services being used, the ATM is easy to use, has 24 hours access and very convenient it is also said to have met customers needs. This research findings has endorsed (Agboola, 2006) on adopting automated payment systems gradually and less use of cash. Likewise, an interesting point noticed from the questionnaire results is the difference between male and female users using electronic banking services. These results shows that they are more male users using electronic services than the female with 65% male respondent s using these to 35% female, and this is because more male find the interest of going to the cyber cafà © and using the internet and by using the internet they get to actually know more about electronic banking services. However, questionnaire results for the educational level and age range of respondents shows that between ages 21 30 and 31 40 are highly educated and use the internet frequently, and their educational level in the questionnaire results, research findings indicates that users using electronic banking are educated and young. (Pento, 2002) findings indicate that users of electronic banking are well educated and have good experience using the internet, and most of them have access to the internet in their place of work and for those that can afford it get it have it in their homes. And a major barrier still affecting the adoption of electronic in Nigeria is still illiteracy according to (Ovia, 2001). From the secondary data findings of the research shows that the banks elementary stage has low adoption rate of electronic payment systems, banks should have informative websites rather than Transactional websites. However, primary research findings indicates that the bank interview all have electronic banking services rendered and have also laid down plans on how to improve electronic banking services in the future and obviously from the research results the banks and customers has made progressive acceptance on electronic banking services. 5.3 SUMMARY On research findings from the above discussion, it ought to have been seen that the introduction of electronic banking by banks has given them the opportunity to gain competitive advantage to attract new customers and to retain old ones and also to take up technical challenges. However, it is important that the banks educate their customers on the benefits and importance electronic banking could bring and to always upgrade their websites to be transactional and also to make their operational infrastructure get better. But if they dont the banks have the problem of customers low adoption will remain. In conclusion, some issues have to be addressed for the future of electronic banking in developing countries such as Nigeria, is the creation of awareness, security and constraints like poor infrastructure. Consequently, if these issues are addressed more customers will adopt electronic banking and the Nigerian banks would be able to gain global presence. Results from reviewing liter ature on electronic banking shows its jussive mood to investigate, the customers level of adoption in Nigeria and suggests key solutions to the constraints affecting electronic banking in Nigeria. All the same electronic banking has come to stay and has been well appreciated in the world and has given developing countries a future in the global economy.