Research Proposal Coursework Example | Topics and Well Written Essays - 1500 words

Research Proposal - Coursework Example The Sarbanes-Oxley Act of 2002 (SOX) is the legislative solution to the ethical scandals, such as Enron, Tyco, Qwest, Global Crossing, and WorldCom, involving accounting irregularities and fraud (Stephan, 2007). This Act implements extensive changes to public accounting and corporate laws, and also expands corporate governance extending the responsibilities of senior executives and board members. SOX has changed the current business environment. In the past business ethics was viewed as important (Bies & Forte, 2010). Now, business ethics is mandatory, but where is the map for business managers to follow? SOX mandates ongoing comprehensive ethics programs, but does not give clear exact criteria, leaving the responsibility of education and training employees in ethics up to the organization (Stephan, 2007). In order to provide all stakeholders in corporate America assurance around ethical behavior, further research is needed. The foundation of this dissertation is Kohlberg's Cognitive Moral Development theory, which will be used to determine whether age, gender, and education influence an individual's ethical decision-making capability. This study will compare the moral value of finance and accounting professionals who had ethical training with finance and accounting professionals who have not had ethical training, based on gender, age and education level. Brief Literature Review Finance and accounting professionals must resolve financial problems with the highest of ethical standards. Both finance professionals and accountants have developed codes or standards for guidance in performing their fiscal duties. The National Commission on Fraudulent Reporting concluded that written codes are important for communicating expectations and that more corporations should adopt a code of conduct (Rich, Smith, & Mihalek, 1990). However, Rich et al. conducted a study of selected respondents from the National Association of Accountants' database. Rich et al. found that for th e performance measure net income, there was pressure on the respondents to achieve a targeted net income, and the pressure was greater in companies with a formal code. For a second performance measure, return on investment (ROI), there was pressure to achieve a specific ROI in those companies with a formal code. Since there was no evidence that a written code of conduct helps an individual resolve ethical dilemmas, the authors suggested companies focus on creating an ethical environment. The inability of a code of conduct to solve ethical behavior problems is evident in the investment profession, specifically regarding insider trading violations. In a study using members of the Financial Executives Institutes, it was found "ethics in the securities markets" is of the greatest concern (Veit & Murphy, 1996). Verschoor (2004) reported that Enron and the scandals which followed were a failure of ethical behavior and not of inadequate laws and regulations. He emphasizes moral behavior ca n not be legislated. Corporate leaders should have a record of building a culture for doing the right thing (Verschoor, 2004). Senior leadership set the ethical standards that management will follow. When there is no clear guideline, individual judgment based on personal moral and personal ethical codes are used (Smith & Bain, 1990). The research of Sims and Keon (1999, 2000) support the conclusion that perceived organizational

Intelligence Analysis Assignment Example | Topics and Well Written Essays - 250 words - 2

Intelligence Analysis - Assignment Example Fast forward, Hamid Aboutalebi is the proposed Iran ambassador to the U. N. A proposal vehemently opposed by the U. S. This is amid the looming high level and sensitive nuclear talks between Iran and the six major powers. The current appointment of one Hamid Aboutalebi as the Iranian ambassador to the U. N. has elicited mixed views on whether he should be allowed a U.S. visa amid allegations of his role in the hostage crisis of 1979 (Shawn, One – time hostage of Iranian militants urges denial of visa to new Iran envoy involved in siege). One of the hostages taken then, Barry Rosen has been vocal against his appointment. Jakes, (US Troubled by Iran’s Choice of Its UN Ambassador) reports that the U.S. objected to this anticipated appointment. However it is evident that the Obama administration does not want to state its stance on the issues instead choosing to remain silent. This issue comes up even as expert – level nuclear talks slated for Thursday are set to go ahead. The talks shall be held from April 3 – 6 in Vienna with a view of asking Iran to scale back its nuclear program to ensure it is of peaceful nature (Qing, ed., Iran, powers to start expert – level nucl ear talks

Psychology and Positive Reinforcement Essay Example for Free

Psychology and Positive Reinforcement Essay For this project if I had to design a study investigating the relationship between alcohol and violence, I would use the experimental method. The experimental method involves manipulating one variable to determine if changes in one variable cause changes in another variable. This method relies on controlled methods, random assignment and manipulation of variables to test a hypothesis (Cherry, n. d. ). The reason for this method is so I can put the test subjects in a controlled environment and monitor the affects of the alcohol and see if the alcohol consumed by the test subject allows them to display forms of violence. By using another method with the experimental method to get more results out of this study, I would also use survey research. Survey research is one of the most important areas of measurement in applied social research. The broad area of survey research encompasses any measurement procedures that involve asking questions of respondents. A survey can be anything that forms a short paper-and-pencil feedback form to an intensive one-on-one in-depth interview (Trochim, 2006). I would combine these methods to determine the outcome of the study and support my investigation of the relationship between alcohol and violence. For example, I would get four test subjects that would consist of two groups, two men and two women. I would have all subjects fill out a form that displays likes and dislikes and what makes them happy/ unhappy. I would then have one subject from each group would consume alcohol but all the drinks would be the color red each subject will be by themselves for the first hour in different rooms. After that hour they would be placed in room together and exam how the gamma-aminobutyric acid displays the affects of using their dislikes on their behavior after the consumption of alcohol. The strengths of this study would be finding the chemical in alcohol and what chemical inside of the human body that triggers the violent display. Also strengths for this method would be compilation of verifiable data and ethical compliance. But with all strengths you do have weaknesses; those weaknesses for these methods would be not having accurate reports for these methods and distortion of unreliable case studies. Also you may have test subjects that do not reflect the general population and him or her in fact have their own social issues that may reflect violence from the outcome of alcohol. The ethical consideration for this research would be no children, women that are pregnant, separation of a person with a criminal background and non-criminal background, test subjects are only to consume a certain amount of alcohol by their size and weight, and the test subjects are only to be tested in a controlled environment. The difference between negative and positive reinforcement is that negative reinforcement; is when a certain stimulus/item is removed after a particular behavior is exhibited. The likelihood of the particular behavior occurring again in the future is increased because of removing/avoiding the negative stimuli (Stangor, Chapter 7, 2010). For example: My son has choirs to do every day after school and does not like to do them. He does his choirs because if he does not he would not be able to play his video game. Positive reinforcement: is a very powerful and effective tool to help shape and change behavior. Positive reinforcement works by presenting a motivating item to the person after the desired behavior is exhibited, making the behavior more likely to happen in the future (Stangor, Chapter 7, 2010). For example: My daughter studied very hard on her spelling test and receive an A for passing it, for receiving that A on her test I gave her ten dollars for studying and doing a great job on her test. Using negative reinforcement on my son not doing his choirs helps him understand that you will not get anything in return for not doing your job after school. Using positive reinforcement for maintaining a positive path you will be rewarded for your accomplishments. The ethical standards are displaying a positive for doing something positive and a negative result for a negative behavior. For example, you cannot throw a rock at a car window and expect to get ice cream in return. That would be rewarding a person for doing a negative action. Also you cannot reward a person for cheating on a test by copying off of someone, excepting credit for someone else’s work instead of your own. When displaying these reinforcement methods it helps to create modifications of the behavior that’s displayed by the children from my example. When using these methods it creates a pattern for learning responsibility. Learning responsibilities helps form other positives paths to encourage a person to be more motivated nd become successful. The theory that best fits my psychological thought would be the behavior theory and also the developmental theory. The behavior theory also known as behaviorism is a theory of learning based upon the idea that all behaviors are acquired through conditioning. The developmental theory: Theories of development provide a framework for thinking about human growth, development, and learning (Trochim, 2006). The way I see psychology I believe that it starts with these theories first. Understanding human behavior and the development of behavior helps me better understand the mentality of people. Psychology is a very broad field that deals with all aspects of life, from a social stand point, economical stand point and environmental stand point. Psychology helps us understand why we do the things that we do, for example culture of honor. A term that is defined by responding to insults with aggression or catharsis observing or engaging in less harmful aggressive actions that will reduce the tendency to aggress later in a more harmful way (Stangor, Chapter 14, 2010). These psychological theories of behaviorism cannot be studied without developmental theories to help understand these patterns and create determination to why we do things. Give us a better understanding, in other words casual attribution; determining the causes of people behavior (Stangor, Chapter 13, 2010). Our social cognition is set to predict behaviors, but how can we predict behaviors if we do not develop ways to understand it. Basically prejudging or stereotyping these behaviors. It is nothing in psychology that would have me to believe that the research that is provided is not true. Everything that I have studied, I either have done or seen done; our attitude another behavior that we exhibit and in my opinion would be the core to behaviorism. It displays any feelings that we have towards people, work ethic, environment, and our social representation. First I would have to define the disorder by observing the dysfunctional pattern of thought, emotion, and behavior. Next I would exercise the bio-psycho-social model of the illness; to help me understand the disorder. Using the DSM-IV-TR, I would look for any psychological history and use of the Axis IV check for social or environmental problems, such as homelessness, divorce, school problems, or other stressors present. Also I would use Axis I and V to determine if this person is suffering from mood, anxiety, or learning disorders; is this person at risk of hurting him or herself and others (Stangor, Chapter 13, 2010). The disorder I have discovered that my client has is anxiety disorder. Anxiety disorder is a psychological disturbance marked by irrational fears, often of everyday objects and situations. The treatment I would use to help my client would be antianxiety medications; drugs that help relive the fear of anxiety. Also I would use biomedical therapies; treatments that are designed to reduce psychological disorder by influencing the action of the central nerves system. This method would involved the use of medication but also include direct brain intervention with electroconvulsive therapy (ECT0, psychosurgery, and transcranial magnetic stimulation (Stangor, Chapter 13, 2010). These methods of therapy would help my client be more at ease with their disorder. The ethical obligations of the psychological professionals would be that. Psychiatrists are physicians with specialized knowledge of mental illness and its treatment. Psychiatrists share the same ethical ideals as all physicians and are committed to compassion, fidelity, beneficence, trustworthiness, fairness, integrity, scientific and clinical excellence, social responsibility, and respect for persons. Psychiatrists endeavor to embody these principles in their diverse roles as diagnosticians, treating physicians, therapists, teachers, scientists, consultants, and colleagues (Principles of Ethics and Professionalism in Psychiatry, n. d. ).

Consumer’s Perception of Risk of Online Transactions

Consumer’s Perception of Risk of Online Transactions Abstract The purpose of this research is to investigate whether a consumers perception of risk in transacting on the internet (Perceived Risk) would have an influence on their trust of a banks e-banking website (Specific Trust) and their willingness to use e-banking. Data were collected from a survey and a usable sample of 202 was obtained. Hierarchical moderated regression analysis was used to test the model. The results showed that Perceived Risk has a direct influence on a consumers willingness to use e-banking and Specific Trust has a positive moderating influence on the relationship between Perceived Risk and a consumers willingness to use e-banking. Consumers who have low perceived risk of transacting on the internet are generally more willing to use e-banking. Their willingness to use e-banking was also shown to be more pronounced in cases where the consumer also trust their banks e-banking website. These findings are of particular relevance to banks. It highlights that a consumers wil lingness to use e-banking primarily depends on their perception of risk in transacting on the internet; trust of the specific e-banking website was secondary. This suggests the need for banks to not only employ mechanisms to build trust for their specific e-banking website, but that banks should first take measures to educate their customers and manage general consumer perceptions of the risks of transacting on the internet. Keywords: Trust, Perceived Risk, Internet, E-banking Adoption. Introduction In recent years, the advancement in technological developments in information technology has lead to the evolution of e-banking in the banking industry. The evolution of e-banking has fundamentally transformed the way banks traditionally conduct their businesses and the ways consumers perform their banking activities (Eriksson et al., 2008; Sayar and Wolfe, 2007). Today e-banking has experienced phenomenal growth and has become one of the main avenues for banks to deliver their products and services (Amato-McCoy, 2005). E-banking reaps benefits for both banks and its customers. From the banks perspective, e-banking has enabled banks to lower operational costs through the reduction of physical facilities and staffing resources required, reduced waiting times in branches resulting in potential increase in sales performance and a larger global reach (Sarel and Mamorstein, 2003). From the customers perspective, e-banking allows customers to perform a wide range of banking transactions electronically via the banks website anytime and anywhere (Grabner-Kraeuter and Faullant, 2008). In addition, customers no longer are confined to the opening hours of banks, travel and waiting times are no longer necessary, and access of information regarding banking services are now easily available (Hamlet, 2000). However the success of e-banking isnt without its problems. Firstly the adoption of e-banking has not kept pace with that of internet usage (White and Nteli, 2004). This gap is attributed to the lack of trust among bank customers, particularly among internet users age 65 and older (Ilett, 2005; Perumal and Shanmugam, 2005). Secondly, customers still prefer face to face interaction (Asher, 1999) due to reasons such as fear of the online environment and lack of trust in the internet. Recent literature on e-banking showed that the formation of trust can help reduce the impact of key inhibiting factors such as fears about using the online service among non-eÂÂ ­banking customers (Vatanasombut et al., 2008). Moreover, even with the increased usage of e-banking in recent years, banks are faced with a conundrum whilst e-banking does have its benefits of convenience and cost savings; the ease at which e-banking allows for switching back to traditional ways of banking consequently reduces long term customer commitment (Sarel and Mamorstein, 2003). The commitment-trust theory of Morgan and Hunt (1994) proposes that trust leads to commitment in relationships, and so, if trust is built amongst existing customers, over time they will become committed to the e-banking service, reducing the chances of customers jumping ship (Mukherjee and Nath, 2003; Vatanasombut et al., 2008). Evident in past literature is the fact that risk plays a role in the formation of trust (Chen and Dhillon, 2003; Pavlou, 2003), but what is not evident is the relationship risk has with trust especially in regards to the perceived risk consumers have in transacting on the internet. Past research studies into the area of risk found that it is not objective risk, but perceived risk which matter in the formation of trust (Bauer, 1960 as citied in BÃ ¼ttner and GÃ ¶ritz, 2008; Garbarino and Strahilevitz, 2004). A recent research study found that, perceived risk is directly related to an individuals adoption of e-banking with many past research studies showing that intention to use e-banking is often times affected by fears of theft or fraud (Gerrard et al., 2006). The relationship between perceived risk and trust is an underdeveloped area in the literature. Past work in the area of trust and perceived risk has not yet managed to fully determine the exact relationship which risk has on trust, as whilst risk is necessary for the formation of trust, it is not an antecedent of trust (Chen and Dhillon, 2003). Moreover, trust has been shown in the past to effect perceptions of risk, as well as having mediating effects through risk (Pavlou, 2003). Hence the purpose of this research is to investigate whether a customers perception of risk in the internet would have moderating effects on trust and a customers willingness to use e-banking. As noted by BÃ ¼ttner and GÃ ¶ritz, (2008), there is a lack of empirical studies in this area. Moreover by understanding the nature of risk and trust, banks can ascertain the steps necessary on their part to ensure that the trust which they have built in their services will indeed influence customers adoption and commitment to e-banking. Literature Review Trust in E-banking Trust is essential in situations where risk, uncertainty and interdependence exist (Mayer et al., 1995), and the online environment certainly encapsulates these factors. In an online environment, there is no direct physical contact between buyer and seller. This spatial distance means that consumers cannot use the physical cues, such as observing the sales staff or the physical office/store space, in order to judge trustworthiness (Reichheld and Schefter, 2000). Due to the global nature of the internet, consumers and e-retailers often face spatial and temporal separation as a result transactions carried out online often do not involve a simultaneous transaction of goods (or services) and money (Grabner-Kraeuter, 2002). This delay in time means that consumers can become increasingly uncertain whether the other party will actually perform their side of the transaction. Another reason for the increased need for trust in the online contexts is consumers fear for the sa fety of their personal information due to hackers or other harmful possibilities (Hoffman et al., 1999; Yoon, 2002). Apart from the necessities of trust in order to get consumers to purchase online as per the theory of reasoned action (Azjen and Fishbein, 1980), trust is also important for businesses to grow and maintain profitability, as per the commitment-trust theory of relationship marketing by Morgan and Hunt (1994). Past research studies have identified that one of the benefits of trust are committed customers (Casalo et al., 2007; Morgan and Hunt 1994). Loyal repeat customers are highly beneficial to organizations, as it is much cheaper to retain customers than it is to find and attract new customers (Reichheld and Schefter, 2000). In the online arena where substitutes are readily available, the benefits to businesses of having committed customers are plenty, hence the amount of research into the area (e.g. Casalo et al., 2007; Jarvenpaa et al., 2000; Vatanasombut et al., 2008). Numerous research studies have been conducted to identify what factors drive or inhibit the adoption of e-banking by consumers (Gerrard et al., 2006; Hernandez and Mazzon, 2007; Lichtenstein and Williamson, 2006; Sayar and Wolfe, 2007). It has been identified that the lack of trust was one of the main reasons why consumers are still reluctant to conduct their financial transactions online (Flavian et al., 2006; Luarn and Lin, 2005; Mukherjee and Nath, 2003; Rotchanakitumnuai and Speece, 2003). In order for e-banking to be a viable medium of service delivery, banks today must try to narrow the trust gap due to the higher degree of uncertainty and risk in an online environment compared to traditional settings. Research studies conducted examining the role of trust in e-banking (e.g. Vatanasombut et al., 2008; Casalo et al., 2007; Lichtenstein and Williamson, 2006; Rexha et al., 2003; Suh and Han, 2002), found that trust plays a key role in the adoption and continued use of e-banking. Furthermore, it was found that trust not only affects the intent to use e-banking (Liu and Wu, 2007; Suh and Han 2002), but trust in e-banking has also been found to be an antecedent to commitment in e-banking (Vatanasombut et al., 2008; Kassim and Abdulla, 2006), and is therefore useful to reduce the perceived risk that consumers feel is present in an online environment (Pavlou 2002). Perceived Risk and Trust Perceived risk is depicted as a concept that is complex, multifaceted and dynamic (Zhao et al., 2008, p.506). Perceived risk is defined as a consumers perceptions of the uncertainty and the possible undesirable consequences of buying a product or service (Littler and Melanthiou, 2006). In the online context, past research studies suggest the inclusion of perceived risk due to its importance in influencing online consumer behavior (Cunningham et al., 2005; Pavlou, 2003; Salam et al., 2003; Schlosser et al., 2006) and more so in the area of e-banking (Cunningham et al., 2005). As mentioned earlier, perceived risk is important in the formation of trust (Bauer, 1960 as cited in BÃ ¼ttner and GÃ ¶ritz, 2008; Garbarino and Strahilevitz, 2004). The body of the knowledge on trust has identified that risk is the element which gives rise to the need for trust when engaging in an activity which means that if there were no perceptions of risk, trust would not be necessary to engage in an activity, as actions could be taken with complete certainty (Yousafzai, 2003; Chen and Dhillon; 2003). There are two different types of risk that have been identified in relation to trust risks associated with a partner and risks associated with a type of transaction (BÃ ¼ttner and GÃ ¶ritz, 2008). Risks associated with a partner in general are perceptions that a particular interaction partner in a transaction will not perform their end of the bargain, and are formed from perceptions of the attributes of that interaction partner this type of risk should be inversely related to trust of that partner (Jarvenpaa et al., 2000). Essentially, the higher the trust one has in a partner, the less perceived risk in dealing with that partner. However, risk associated with a type of transaction has a different association with trust. The more risky a type of transaction is perceived to be, the more trust is required in order to engage in an interaction with that partner (Mayer et al., 1995). The relationship between risk and trust is a complex one, whilst risk is necessary to the creation of trust, it is not an antecedent to trust which means the presence of risk does not automatically equate to the formation of trust (Pavlou, 2002). According to Mayer et al. (1995, p.711) It is unclear whether risk is an antecedent to trust, or is an outcome of trust. Clearly, a gap of knowledge exists in this area, and further research is required so as to determine the relationship which risk has with trust, especially in the context of e-banking. However the area that interests the authors of this research is the work by Pavlou (2002) which found that the effect of trust on transaction intention could be moderated through perceived risk. This is a relationship which was originally proposed by Mayer et al. (1995), who postulated that the level of trust needed to engage in a risk taking behavior is influenced by the perception of risk inherent in that behavior. Pavlous (2002) work also called for future research so as to examine the complex interrelationships among trust, perceived risk and behavioral intention to reach definite conclusions. (Pavlou, 2002, p.125). This research aims to answer that call by testing perceived risk in the internet as a moderator in the relationship between a consumers trust in a banks e-banking website and the consumers willingness to use e-banking. Theoretical Framework The investigation of the role of trust in the use of e-banking necessitates the examination of two key theories the theory of reasoned action by Azjen and Fishbein (1980) and the commitment-trust theory of relationship marketing by Morgan and Hunt (1994). The theory of reasoned action states that a persons behavior is determined by their behavioral intent, which is in turn shaped by attitude and subjective norms (Azjen and Fishbein, 1980). Increased trust means that when a persons attitudes towards a particular behavior (in this case, using e-banking) are positive, it will likely increase a persons intent to perform that behavior. This has been supported by research in both the e-retailing context (Jarvenpaa et al., 2000), and also in the e-banking context (Liu et al., 2005), where trust has been shown to lead to a purchase intention. Further, Morgan and Hunt (1994) purports that by building trust over time, customers become committed to the relationship built, and will subsequently reciprocate with continued business. Past research in this area have extended the applicability of this commitment-trust relationship to the e-banking context (Casalo et al., 2007; Mukherjee and Nath, 2007; Vatanasombut et al., 2008). This gives rise to the first hypothesis for this research which forms the basic relationship between a consumers trust in a banks e-banking website (Specific Trust) and the consumers willingness to use e-banking. H1: Specific trust in e-banking has a direct effect on willingness to use e-banking Perceived risk is defined in this research as a consumers perceptions of risk in transactions using the internet, and is hypothesized to have a moderating role in the relationship between specific trust and the willingness to use e-banking. As mentioned previously in the literature review, there is little empirical research on the moderating effect of risk in the e-banking context. Work by Pavlou (2002) found that the effect of trust on transaction intention could be moderated by perceived risk, but called for further research in this area to confirm the complex interrelationships between these three constructs. Therefore, the authors of this research proposed the second hypothesis as: H2: Perceived risk has a negative moderating effect on the relationship between specific trust and willingness to use e-banking. Methodology To test the model, a cross-sectional survey was undertaken using an instrument containing 15 items. The 15 items used were established scales adapted from Doney and Canon (1995), Chow and Holden (1997), Jarvenpaa et al. (2000), Suh and Han (2002), Kim and Ahn (2006) and Verhagen et al. (2006) measuring specific trust, willingness to use and perceived risk. Great care was taken when adapting the scales to ensure that the original concepts being measured by the scale had theoretical congruence and relevance to this study. Each item is measured on a 7-point Likert scale with 0 denoting the low end and 6 the high end. The questionnaire was then preÂÂ ­tested on a non-probability sample of university staff. Refinements were made to the questionnaire based on feedback from the pre-test. All items in the final instrument were then reviewed by marketing academics for content validity. Measures The scale used to measure perceived risk was adapted from a number of scales which have similar theoretical congruence with the definition of risk perception in the theoretical framework. A few of the items in the scale used was sourced from Verhagen et al. (2006), which measured intermediary risk and was defined as the belief of a probability of suffering a loss due to the inability of the intermediary to provide sufficient protection against fraudulent and/or opportunistic sellers (p.545) which is similar to the definition of the perception of risk on the internet. In that, the consumers belief in a possibility of loss or harm as a result of the medium internet is being measured. The nature of the internet is such that, there is insufficient protection to consumers from fraudulent and/or opportunistic people, and so the use of items from Verhagen et al.s (2006) scale on intermediary risk was appropriate. Other items in the scale were sourced from the work of Jarvenpaa et al. (2000 ), Kim and Ahn (2006), and Chow and Holden (1997), which measured concepts such as risk perception and web-shopping risk, all of which was similar to the concept of perceived risk being operationalised. Minimal alterations were made to the items due the similarity of the concepts being measured. Whilst it would have been ideal to operationalise the construct of perceived risk in the internet with a singular scale, but there is a lack of scales in this area (Verhagen et al., 2006), therefore the use of a composite scale was necessary. To measure specific trust in e-banking, items from work of Doney and Canon (1995), Suh and Han (2002) and Jarvenpaa et al. (2000) were adapted. These items were chosen due to their semantics and wording. Items directly relating to interpersonal trust including the service of e-banking, and a belief in the benefits and trustworthiness of e-banking were used as part of the scale. Lastly, in measuring the willingness to use e-banking, items that measure at titudes and intentions towards using e-banking were chosen. Items in the scale were sourced from scales published by Verhagen et al. (2006), Pavlou (2003), and Kim and Ahn (2006). Demographic data were also collected for the purpose of classification and determining the generalisability of the results. Sample and Data Collection Representativeness, reliability of results as well as time and resource restraints were considered in determining the sample. The final sample was a non-probability sample of administrative and academic staff in ten departments across the five faculties of a large Australian university. University staff was chosen, as they were deemed to be more educated and informed about a range of issues. Therefore it is concluded that university staff would likely have a higher chance of responding to the survey, with more accuracy and honesty in their replies. Surveys were distributed physically and via online. Data collection took place over two weeks. A total of 218 returned questionnaires were yielded of which 202 passed manipulation checks and were usable. The response rate was 34.8%. Results Adoption of Internet and E-banking Descriptive analysis was used and a bar chart (Figure 2) was constructed to compare the year of adoption of the internet and the year of adoption of e-banking. In relation to internet adoption, the results showed that there was a slow growth in the adoption of internet prior to 1995. The rate of adoption increased significantly in the years 1995 to 2000 and dropped significantly after. As for the adoption of e-banking, the results showed that there was no apparent usage of e-banking till the late 1990s and after which the adoption of e-banking rose reaching its peak in 2006. Figure 2 illustrates how the adoption of e-banking has not kept up with the pace of internet usage this is consistent with the previous finding of White and Nteli (2004). Furthermore results also showed that there were still a significant number of people who have not adopted e-banking. Demographic variables were examined across the three constructs of specific trust, perceived risk and the willingness to use. The results in Table 1 showed that there were significant differences between gender and specific trust (sig. value 0.010, t-value 2.588) and perceived risk (sig. value 0.029, t-value 2.206) constructs. The means scores showed that males have higher specific trust (5.2748) and higher perceived risk (4.2916) as compared to females towards e-banking and the internet. For age, the results showed a significant difference between age and willingness to use (sig. level 0.017, f-value 4.161). The difference was found between respondents of age groups 29 and under, and 50 and above. The means scores showed that respondents who were age 29 and below (mean 5.603) were more willing to use e-banking as opposed to respondents who were 50 and above (mean -4.8571). For qualification, significant differences were present in the perceived risk (sig. level 0.020, f-value 4.991) and willingness to use (sig. level 0.030, f-value 4.932) constructs. In regards to perceived risk, the difference was found between respondents who have completed secondary school and respondents who have a post-graduate qualification. The means scores showed that respondents who had a post-graduate qualification (4.4355) have a higher perceived risk compared to those who had completed secondary school (3.4006). In relation to willingness to use, significant differences were found between three groups of respondents those who had a trade qualification/diploma, a tertiary degree and a post-graduate qualification. The means scores showed that respondents who had a post-graduate qualification has a higher willingness to use e-banking (5.6871) compared to those who had a trade qualification/diploma (4.5259) and those who had a tertiary degree (5.5925). Finally for income, significant differences were found between the different income groups in the perceived risk (sig. level 0.049, f-value 2.249) and willingness to use (sig. level 0.003, f-value 3.788) constructs. The two groups of respondents with income levels of $15,001 -$ 30,000 and $70,001 -$90,000 were found to be significantly different in the perceived risk construct. The means scores of the two groups showed that respondents with an income level of $70,001 $90,000 had a higher perceived risk (4.6057) compared to respondents with an income level of $15,001 $ 30,000. In relation to willingness to use, significant difference was found between two groups $30,001 $50,000 and $50,001 $70,000. A comparison of the means scores showed that respondents who had an income level of $50,001 $70,000 (5.8625) were more willing to use e-banking compared to those who had an income level of $30,001 $50,000 (4.6513). Model Testing In order to validate the measures of each construct, exploratory factor analysis was conducted using principal components extraction with varimax rotation. The items in each factor were then tested for scale reliability using standard Cronbach alpha indices. As the items for both perceived risk and specific trust in e-banking were used together as a single scale in the survey instrument, factor analysis was ran on them both, to ensure that the two different factors were still valid. To check for the appropriateness of the data for factor analysis, the Kaiser-Meyer-Olkin (KMO) and Bartletts Test of Sphericity was examined. Results showed that the KMO statistic for the data set was 0.885 and the Bartlett test showed that non-zero correlations exist at the 0.000 significance level. This indicates that the data is appropriate for factor analysis. The results of the factor analysis showed that two factors were indeed present, however, one of the items from the scale measuring specific trust in e-banking Compared with other forms of banking, e-banking would be more risky had moved to the factor measuring perceived risk (see Table 2 , item marked with asterisk). A reliability analysis was conducted on this adjusted factor; a Cronbach alpha ind ex of .926 was obtained. The factor loading of the item, whilst not very high at .651 was much higher than the items alternate factor loading which was .253. The item content was examined, and was found to also be applicable to the context of perceived risk due to the items wording which could be interpreted as a higher perception of risk in the medium of the Internet in comparison to other mediums. Given all these results, it was decided that the adjusted factor would be used as is in the analysis. Items measuring the construct of willingness to use e-banking were also analysis to ensure that it was indeed a singular factor (Table 3). The results showed that the KMO statistic for the data set was 0.873 and the Bartlett test showed that non-zero correlations exist at the 0.000 significance level. This indicates that the data is appropriate for factor analysis. The results revealed a uniÂÂ ­dimensional structure, and corroborated that all five items in the scale loaded onto one factor. The factor loadings of each item were high, indicating strong relevance of each item within the scale. When in combination with the high Cronbach alpha of .957, the results of the analysis show that this factor is a highly useful measure. Regression Analysis To test the relationship between the constructs of specific trust, perceived risk and willingness to use e-banking, hierarchical moderated regression was conducted. This method was proposed by Baron and Kenny (1986) to examine moderating effects. In conducting hierarchical moderated regression analysis, a series of regressions were performed. The first regression (Model 1) involved regressing the dependent variable (DV) on the independent variable (IV); the second regression (Model 2) involved regressing the DV on the IV and the moderator; and the final regression (Model 3) regressing the DV on the IV, the moderator, and a cross-product of the DV and the moderator. The three regression models were tested for explanatory power, and yielded R-squared values of 0.396, 0.454, and 0.508 respectively (see Table 4). Results of the R-squared comparisons showed that Model 3, which included specific trust, perceived risk, and the cross product of specific trust and perceived risk, had significantly improved R-squared values from Model 1 and Model 2. The analysis yielded results quite different to what was hypothesized. Besides Model 1 where specific trust was the only IV in the regression, specific trust was shown not to have a direct influence on the DV of willingness to use e-banking. Rather, perceived risk was shown to have a direct influence on the DV of willingness to use e-banking in Models 2 and 3. Model 3, which had the greatest R-squared value, suggests that it is not specific trust that influences a consumers willingness to use e-banking, but rather perceived risk. The regression coefficients from Model 3 (see Table 5) showed that perceived ris k had a significant negative impact on willingness to use e-banking (p = 0.000, Beta = -1.179, t = -5.588). Specific trust in e-banking instead was found to have a positive moderating influence on the relationship between perceived risk and willingness to use e-banking (p = 0.000, Beta = 0.759, t = 4.386). The results derived from the regression analysis thus do not support the two hypotheses H1 and H2. It appears that the roles of the independent variable and the moderator have swapped. Figure 3 shows the amended model reflecting these new roles, where the independent variable of perceived risk is shown having a primary role with a direct influence on a consumers willingness to use e-banking and specific trust in the banks e-banking website having a secondary role as a moderator. Discussion and Implications Adoption of Internet and E-banking The results showed that there was no apparent usage of e-banking till the late 1990s. This was firstly attributed to the late adoption of e-banking facilities by the four major banks in Australia. It was only at the end of 1997 when e-banking facilities were provided by the banks in Australia (Sathye, 1999). Secondly, a report by the Australia Bureau of Statistics (1999) stated that the use of internet by adults to pay bills and transfer funds were only approximately 2 per cent during that time. These findings deserve attention, as Australians were considered to be technology savvy being at the forefront of United States as the worlds third highest users of electronic point of transfer (Eftpos) in the 1990s (Macfarlane, 1997). However there were other reasons for the late adoption of e-banking in Australia. These reasons include the lack of knowledge of service availability, the internet website being not user friendly, and security concerns (Sathye, 1999). In the last decade, banks have addressed these problems through the use of effective marketing strategies, education and adopting innovative technology in security measures and information technology. It has proven to be effective as the latest statistics showed that approximately 40% of the internet users in Australia have adopted e-banking (comScore, 2008). This proportion however is still relatively low, and concurs with the results of past research such as White and Nteli (2004), Lichtenstein and Williamson (2006), and the current research showing that the adoption of e-banking has not kept up with the pace of internet usage. This is despite figures for internet access quadrupling from 16% to 67% in the last decade from 1998 to 2007/08 (Australian Bureau of Statistics, 2008). Demographics and Specific Trust, Perceived Risk and the Willingness to Use Constructs Results showed that respondents who are aged 29 and below, earning an income level of $50,001 $70,000 and with post graduate qualifications were more willing to use e-banking. This finding is congruent with the findings of past studies that claimed that consumers who are well educated and with higher incomes are more willing to engage e-banking services (Kolodinsky et al., 2000; Gartner, 2003). Furthermore results of this study concur with past research studies on the unwillingness to use e-banking by the older/elderly generation (Ilett, 2005; Perumal and Shanmugam, 2005). Further examination of the results showed that respondents who are unwilling to use e-banking have a trade qualification/diploma and are earning an income of $30,001 $50,000. In relation to the perceived risk constructs, males who have a post graduate qualification and earning $70,001 -$90,000 have higher perceived risk. This finding is rather surprising as it does not concur with previous studies which found females to have a higher perceived risk. Females were found to be more concerned on the level of risk in technology (Lichtenstein and Williamson, 2006), more anxious with privacy protection and ethical standards (Shergill and Li, 2005) and have greater fears in new technologies such as the internet (Morahan-Martin, 2000) compared to males. Further examination of the results showed that respondents who have a lower perceived risk are females, earning an income of $15,001-$30,000 and have completed secondary school. Results from this research showed that males have higher specific trust than females regardless of income, age and qualification. Drawing from the findings of the perceived risk construct, an interesting discovery was made males have higher perceived risk as well as higher specific trust compared to the females. The authors of this study propose that a possible reason for this may be explained by a higher level of involvement in banking services in males. This should be con

Flexible Staffing Arrangements Essay examples -- Work Working Workforc

Flexible Staffing Arrangements Options for flexible work schedules--once nonexistent--have become a reality, with benefits for workers and employees alike. Job sharing, compressed work weeks, reduced hours, work at home, and flextime have provided employees with the means to realize a better balance between work and family and an opportunity to engage simultaneously in more than one endeavor, e.g., school and work, two careers, and work and leisure. They can also lead to economic and emotional stress and to limited opportunities for professional growth. This Digest examines flexible work options, including the characteristics of workers who select them, the organizations that offer them, and the influence they have on worker satisfaction, performance, productivity, and career progression. Flexible Staffing Arrangements Over the years, employers have established employment arrangements with workers that include working in shifts, on "temporary" assignments, in a part-time capacity, and through independent contract work. The impetus for these arrangements is the organizations desire to realize its short-term service and production goals and to reap the low-cost benefits of a contingent work force. Today, with businesses facing increasingly competitive markets and unprecedented customer demands for services, the employment of workers in shifts to cover a 24-hour day is increasing. In fact, one in five workers is hired to work outside the typical 9-to-5 time slot ("No More Nine-to-Five" 1998). Manufacturing companies have traditionally operated day and night, often to capitalize on equipment usage. However, many other types of companies are now offering their services around the clock, e.g., financial services, 24-hou... ... to Growth in Use of Part-Time Faculty." Chronicle of Higher Education 44, no. 15 (December 5, 1997): A18. Lief, L. "An End to the Dead-End Job?" U.S. News & World Report 123, no. 16 (October 27, 1997): 86-87. McShulskis, E. "Retirees Returning to Work Threaten Some Full-Time Workers." HRMagazine 42, no. 3 (March 1997):26-28. McShulskis, E. "Part-Time Plans Have a Positive Impact." HRMagazine 43, no. 1 (January 1998): 26. "No More Nine-to-Five." The Economist 346, no. 8050 (January 1998): 53-55. "No Part-Time Job Explosion." The Economist 344, no. 8030 (August 16, 1997): 23. "Part-Time Professionals Push Positive Image." CQ Researcher 7, no. 40 (October 24, 1997): 944. Tolliver, C. "The Payback from Part Time." HR Focus 74, no. 12 (December 1997): 1, 3-4. "Using Part-Time Workers." IRS Employment Review no. 629 (April 1997): E13-E16.

John Steinbecks Of Mice and Men Essay -- Essays Papers

Of Mice and Men Similarities and Differences Between George and Lennie John Steinbeck’s Of Mice and Men concerns and unlikely couple who travel about the country searching for work. Throughout the novel, characteristics of important people are similar yet different. George Milton and Lennie Small are two characters that have many differences physically, but many similarities mentally. Initially, George Milton is a kind, short and trustworthy companion of Lennie. George travels with Lennie and helps him to survive although Lennie is more of a burden than a help. Before Aunt Clara dies, she places the trust of her only relative in the hands of George. George protects Lennie in many parts of the story by creating a reason for Leenie not to leave, such as; â€Å" Somebody’d shoot you for a coyote if you was by yourself† (13). George often insults Lennie and â€Å"gives him hell† (87) but he doesn’t really mean it. Although he often talks about how much better off he could be without Lennie, George secretly relies on Lennie. When Lennie offers to leave, George virtually pleads with him to stay by saying, â€Å"I was jus’ foolin’† (13) This is because George depends on Lennie to a certain extent for his unconditional friendship. George has two important characteristics which are pointed out within the novel. His friendl iness is immediately present as he makes friends with Candy, Carlson, Slim, and the other ranch hands. George is also intelligent . He expresses his desire to be diff... John Steinbeck's Of Mice and Men Essay -- Essays Papers Of Mice and Men Similarities and Differences Between George and Lennie John Steinbeck’s Of Mice and Men concerns and unlikely couple who travel about the country searching for work. Throughout the novel, characteristics of important people are similar yet different. George Milton and Lennie Small are two characters that have many differences physically, but many similarities mentally. Initially, George Milton is a kind, short and trustworthy companion of Lennie. George travels with Lennie and helps him to survive although Lennie is more of a burden than a help. Before Aunt Clara dies, she places the trust of her only relative in the hands of George. George protects Lennie in many parts of the story by creating a reason for Leenie not to leave, such as; â€Å" Somebody’d shoot you for a coyote if you was by yourself† (13). George often insults Lennie and â€Å"gives him hell† (87) but he doesn’t really mean it. Although he often talks about how much better off he could be without Lennie, George secretly relies on Lennie. When Lennie offers to leave, George virtually pleads with him to stay by saying, â€Å"I was jus’ foolin’† (13) This is because George depends on Lennie to a certain extent for his unconditional friendship. George has two important characteristics which are pointed out within the novel. His friendl iness is immediately present as he makes friends with Candy, Carlson, Slim, and the other ranch hands. George is also intelligent . He expresses his desire to be diff...

Nature of childhood Essay

There are many aspects of early years practice which have their origins in the past and which reflect particular ideas about the nature of childhood. It can be argued that it is important to identify these aspects so as to understand current interpretations of early years practice. Discuss with reference to the philosophies of two key historical figures. Current early years practices such as play, a stimulating environment, the role of the practitioner, and recognising the child’s parents as playing a key role in their education originate from theories that were made in the past. The following pages will outline the influential ideas of Friedrich Froebel and Dr. Maria Montessori and discuss them in relation to the current ideas relating to the above topics. Before the nineteenth century, childhood was not seen as a stage of life separate from adulthood. Instead, the concept of childhood was regarded as an immature form of adulthood (Wood, E. 1996) children were regarded as being naturally evil and so education was not prioritised. Most children learnt the values of life through labouring alongside adults. Into the nineteenth century, and with the concept of original sin dropped, three different views of childhood and education arose. The nativist view is the view that children are born with a pre-programmed development pathway. The empiricist view believes that each child is an empty vessel waiting to be filled, and the interactionist view recognises that children do have pre-programmed ideas whilst understanding the influence that the child’s socio-cultural surrounding has on his education. (Bruce, T. 1997) At the moment, the interactionist view is the most popular method of educating children (Ibid) and professionals regard both Friedrich Froebel and Maria Montessori as interactionists. However, both approached the development of childhood from a very different angle. Friedrich Froebel believed that The human being is born for research; and he is to practice it even as a child (Anonymous, 2000,p1) He assumed that children have to investigate the inner properties of things in order to discover hidden influences and causes. Froebel also considered children as being naturally good suggesting that this goodness could be harnessed and fostered through nurture care and education. (ibid) and so developed a special environment where children could grow and learn. This he called his Kindergarten or garden for the children. Froebel also considered the spiritual, physical, feeling and intellectual aspects of a child as a whole and believed that within his special environment (which will be discussed further on) allowing children free playful, conversational experiences would build and shape all of a child’s senses. Like Froebel, Dr. Montessori believe that the best way to educate a child was to design a method that would track the natural physiological and physical development of the child and allow touch, movement and freedom to aid the child to learn. (Montessori, 1964). Maria Montessori however did not regard her method of education as instigating play claiming; If I were persuaded that children need to play, I would provide a proper apparatus, but I am not so persuaded. (Ibid) The Dr. claimed that a child’s mind was most absorbent between the ages of 0-6 years, and that children learn best through movement and senses although this should not be regarded as play. She also viewed the child as a whole however, in contrast to Froebel’s theories, she believed that each sense should be isolated and developed separately. To achieve this Montessori developed thematic activities based on real life experiences, and allowed her children to work individually or as part of a group. Again, a special environment was set up where children could move about freely and pick and plan there own method of self education using apparatus that could only be utilised one way.