Internet banking history and strategies : a case study of U.S. and Greek banks

The Internet has become a necessity for banks that want to move forward and follow the developments in information and communications technology. Moreover, the Internet has changed the way that consumers and businesses conduct their banking transactions today. According to analysts, Internet banking has revolutionized the whole banking industry; it is said to have provided banks with new and cost-effective means of retaining and increasing their customer base. It is believed that the U.S. is three to five years ahead of Europe as far as Internet banking is concerned. When it comes to Greece, as soon as Greek banks realized the upcoming developments, they started transforming their services in order to become more up-to-date and more competitive. What\u27s more, Greek banks have developed websites, which demonstrate many similarities when compared to the American banks websites, and they offer a wide array of services including mobile banking. Also, both the U.S. and the Greek banks follow the global trends of the online financial services towards consolidation and integration. However, the adoption rate from the Greek consumers is slow for a number of reasons, some of the most important being their mistrust towards the use of Internet and the unfamiliarity of the majority of people with the new technologies. This paper, Internet Banking History and Strategies: A case study of U.S. and Greek banks , describes the history, the current status as well as the projections and trends of Internet banking for both the United States and Greece. The case of successful U.S. and Greek banks are described and their websites are analyzed in an attempt to identify tactics they employ and see which, if any, Internet banking strategies Greek banks have not yet implemented. Ultimately, what strategies they can adopt and which they can circumvent in order to become more competitive in the new era of the global economy

Eremitic landscape dwelling in Confucian China and Enlightenment Europe: structuring the moral self in reclusion and performing public duty

This thesis explores how the experience of reclusion in free landscapes and private gardens of Confucian China and Enlightenment Europe contributed to people’s moral improvement by cultivating good passions such as temperance, encouraging introspection, increasing the sense of responsibility towards society and rendering erudite individuals prompt to perform their public duty as politicians and civil servants. The thesis is based on the comparative analysis of philosophical concepts, works of art, poems and cultural practices in order to highlight the similarities and divergences between Chinese and European – particularly British and French - eremitic landscape dwelling. Taking into account the historical context in which two important systems of thought were developed in different geographic regions, the research brings together the state-sanctioned Confucian ethics with Enlightenment Deism which, inspired by Roman Stoics, played a pivotal role in the promulgation of reclusive landscape culture and the creation of non-geometrical gardens used as retreats in the eighteenth-century Europe. Investigating human relationships with the natural environment and organized society, as well as views on interpersonal relationships, established religion and matters of cultural heritage, the thesis shows that gardens where Confucian literati and socially privileged Europeans, who had espoused Enlightenment ideals, liked to retire comprised mediating spaces between the private realm and the public sphere, solitude and public action. Eremitic landscape dwelling did not derive from a sentiment of contempt for the world or from a selfish desire to avoid hardships. Rather, this noble form of reclusion whose purpose was the cultivation of virtue and humaneness revolved around the greatest interest of individuals and the welfare of society

Development of replication-defective herpes simplex viral vectors for delivery of RNA interference to neurons of the peripheral nervous system

Considerable interest has been focused on inducing RNA interference (RNAi) in neurons to study gene function and identify new targets for disease intervention. Although small interfering RNAs (siRNAs) have been used to silence genes in neurons, in vivo delivery of RNAi to the central and peripheral nervous system remains a major challenge limiting its applications. This thesis describes the development of a highly efficient method for in vivo gene silencing in dorsal root ganglia (DRG) using replication-defective herpes simplex viral (HSV-1) vectors by identifying and evaluating various approaches to induce RNAi, i.e. expression of individual short-hairpin RNAs (shRNAs), artificial microRNAs (miRNAs) and multiple tandem miRNAs. Following the development of these systems, HSV-mediated delivery of shRNA or miRNA against reporter genes was shown to result in highly effective and specific silencing in neuronal and non-neuronal cells in culture and in the DRG of mice in vivo, including in a transgenic mouse model. Proof of concept was established by demonstrating in vivo silencing of the endogenous trpv1 gene, thought to be involved in nociception, by assessing both mRNA and protein levels. These data are the first to show silencing in DRG neurons in vivo by vector-mediated delivery of shRNA and support the utility of HSV vectors for gene silencing in peripheral neurons and the potential application of this technology to the study of nociceptive processes and in pain gene target validation studies. Moreover, a disabled HSV-1 vector targeting p75, Lingo1 and NgR2, which are involved in myelin inhibition of axonal regeneration, was developed and evaluated for its ability to promote regeneration of sensory axons into the spinal cord, following injury of the dorsal roots. This is the first time such an appoach to silencing multiple genes has been employed. Although HSV-mediated delivery of multiple miRNAs resulted in highly effective silencing of these genes in dividing cells in culture, while highly effective silencing of p75 was achieved, only modest silencing of Lingo1 and NgR2 was observed in DRG neurons in vivo. Preliminary regeneration experiments, which were largely outside the scope of this thesis, were inconclusive and require more extensive study as a stand-alone project, if the in vivo potential of the approach developed for silencing multiple genes targeted at axonal regeneration is to be further explored

THE EFFECTS OF STORY RECITATION FOR YOUNG LANGUAGE LEARNERS

This article discusses the effects of reciting English story in a way to prepare a storytelling competition in a private elementary school. Initially forced to use the method, the young language learners (YLL) gradually came to appreciate it. The practice enabled them to construct the story comprehensively, to improve pronunciation, to motivate their peers to tell the story confidently, and to develop the habit of attending the details of language in the context of language input. To investigate how beneficial the English story recitation is, I use interview to examine teacher’s perceptions and experiences about story recitation and its effect on language development. I will also investigate how story recitation is used and its effects in an EFL (English as a foreign language) context. The paper concludes that such practice enhances YLL’s noticing and rehearsal and later it facilitates second language acquisition. Therefore, teachers are suggested to have a positive attitude towards English story recitation for young language learners

HUBUNGAN REGULASI DIRI DENGAN PRESTASI AKADEMIK MAHASISWA JURUSAN PENDIDIKAN EKONOMI UIN SUSKA RIAU

ABSTRAK Yolla Anesti, (2023): Hubungan Regulasi Diri Dengan Prestasi Akademik Mahasiswa Jurusan Pendidikan Ekonomi Uin Suska Riau Penelitian ini bertujuan untuk mengetahui hubungan regulasi diri dengan prestasi akademik mahasiswa jurusan pendidikan ekonomi Uin Suska Riau. Jenis penelitian ini yaitu kuantitatif dengan metode korelasional. Teknik penentuan sampel yang digunakan adalah total sampling dengan jumlah sampel sebanyak 55 orang. Data dikumpulkan dengan kuesioner, dan dokumentasi. Hasil perhitungan diperoleh koefisien determinasi 0,668. Hal ini menunjukkan bahwa regulasi diri dengan prestasi akademik mampu menjelaskan R Square sebesar 66,8%. Hasil uji t diperoleh nilai thitung = 0,811 > ttabel 0,266 dari nilai sig ttabel maka Ha diterima dan Ho ditolak. Berdasarkan hasil penelitian yang telah dilakukan, diketahui bahwa terdapat hubungan signifikan antara regulasi diri dengan prestasi akademik mahasiswa jurusan pendidikan ekonomi Uin Suska Riau. Kata Kunci: Prestasi Akademik, Regulasi Diri

Divergence between Neuronal and Oligodendroglial Cell Fate, in Postnatal Brain Neural Stem Cells, Leads to Divergent Properties in Polymorphic In Vitro Assays

Two main stem cell pools exist in the postnatal mammalian brain that, although they share some “stemness” properties, also exhibit significant differences. Multipotent neural stem cells survive within specialized microenvironments, called niches, and they are vulnerable to ageing. Oligodendroglial lineage-restricted progenitor cells are widely distributed in the brain parenchyma and are more resistant to the effects of ageing. Here, we create polymorphic neural stem cell cultures and allow cells to progress towards the neuronal and the oligodendroglial lineage. We show that the divergence of cell fate is accompanied by a divergence in the properties of progenitors, which reflects their adaptation to life in the niche or the parenchyma. Neurogenesis shows significant spatial restrictions and a dependence on laminin, a major niche component, while oligodendrogenesis shows none of these constraints. Furthermore, the blocking of integrin-β1 leads to opposing effects, reducing neurogenesis and enhancing oligodendrogenesis. Therefore, polymorphic neural stem cell assays can be used to investigate the divergence of postnatal brain stem cells and also to predict the in vivo effects of potential therapeutic molecules targeting stem and progenitor cells, as we do for the microneurotrophin BNN-20

The Impact of Assets Revaluation on Banking Capital Adequacy Ratio

The financial industry, especially the banking industry, requires the bank to maintain its capital structure well. Bank can change the accounting policy of fixed assets into revaluation method. This study would like to see the impact of assets revaluation and its effect on the capital structure. There are two elements of capital structure that can affect the CAR ratio, that is, core capital and complementary capital. In the supplementary capital, there is an asset revaluation reserve This study looks at a bank that revalued its fixed assets since 2014. Based on the results of the study, it was concluded that the revaluation of assets could improve the capital structure of these banks, especially it increases the capital adequacy ratio.     Keywords: assets revaluation, capital adequacy ratio, risk weighted asset

DISKURSUS DAN PENGUATAN GENDER DALAM PENDIDIKAN ISLAM

Abstrak Pendidikan merupakan suatu media untuk menyalurkan nilai, budaya, masyarakat, pengetahuan dan kemampuan manusia, termasuk dalam hal ini terkait dengan isu gender. Diskursus dan penguatan gender di dalam pendidikan Islam merupakan tingkatan yang paling jelas untuk membeda antara laki-laki dan perempuan. Di dalam Islam seorang laki-laki dan perempuan harus bisa untuk dibedakan. Laki-laki tidak boleh berpenampilan seperti perempuan dan begitu pun sebaliknya perempuan tidak boleh berpenampilan seperti laki-laki. Di dalam buku teks pendidikan Islam, gender dijadikan dasar untuk mengenalkan wawasan gender. Pengenalan wawasan gender didalam pendidikan Islam itu penting karena suatu pendidikan harus mengedepankan prisip adil dan humanis. Diharapkan adanya internalisasi pemahaman gender di dalam pendidikan akan membuat peserta didik menjadi terbuka terkait wawasan gender. Akan tetapi, didalam masyarakat terdapat ketimpangan gender. Hal ini muncul karena didalam masyakat terdapat kekeliruan dalam menafsirakan makna gender itu sendiri..   Kata kunci ; Gender, Persamaan Gender Didalam Al-Qur’an &nbsp

Analisis Pelaksanaan Pendidikan Anti Korupsi Di SMK Negeri 5 Palembang

Korupsi adalah istilah yang berasal dari bahasa latin corruptio dari kata kerja corrumpere yang bermakna busuk, rusak, menggoyahkan, memutar balik, menyogok, mencuri. Jadi pengertian korupsi adalah  perilaku tidak jujur atau ilegal, terutama dilakukan oleh orang yang berwenang. Perilaku peserta didik yang kerap kali melakukan korupsi disekolah, baik itu korupsi uang buku, uang kas kelas ataupun korupsi waktu. Tujuan diadakan nya pendidikan anti korupsi untuk mengendalikan, mengurangi atau bahkan mengatasi korupsi berupa keseluruhan upaya untuk mendorong generasi mendatang untuk mengembangkan sikap menolak secara tegas terhadap setiap bentuk korupsi.Metode yang digunakan dalam penelitian ini yaitu metode deskriptif kualitatif. Pengumpulan data dalam proses penelitian ini diambil dari hasil observasi, wawancara dan dokumentasi. Informan pada penelitian ini yaitu guru Bimbingan dan Konseling, Guru Mata pelajaran Pkn serta peserta didik SMK Negeri 5 Palembang. Untuk menganalisis data dari penelitian ini menggunakan model Miles dan Huberman, yaitu reduksi data, data display, dan penarikan kesimpulan atau verifikasi. Hasil penelitian ini menunjukkan bahwa pelaksanaan pendidikan anti korupsi di SMK Negeri 5 Palembang sudah terlaksana dengan baik

Karakteristik Teh Celup Herbal Dari Campuran Kulit Jeruk Siam (Citrus nobilis) Dan Kulit Kayu Manis (Cinnamomum burmannii)

Penelitian ini bertujuan untuk mengetahui karakteristik teh herbal celup campuran kulit jeruk siam dan kayu manis serta mengetahui formulasi teh celup herbal campuran kulit jeruk siam dan kayu manis yang memiliki karakteristik terbaik dan disukai panelis. Rancangan yang digunakan dalam penelitian ini adalah Rancangan Acak Lengkap (RAL) dengan 6 perlakuan dan 3 ulangan. Perlakuan pada penelitian ini adalah campuran serbuk kulit jeruk siam dan kayu manis: A (100%:0%), B (90%:10%), C (80%:20%), D (70%:30%) ), E (60%:40%), dan F (50%:50%). Data penelitian dianalisis secara statistik menggunakan ANOVA dan dilanjutkan dengan Duncan's New Analysis Multiple Range Test (DNMRT) pada taraf 5%. Hasil penelitian menunjukkan bahwa perbandingan campuran serbuk kulit jeruk siam dan kayu manis memberikan pengaruh berbeda sangat nyata terhadap nilai pH, polifenol total dan organoleptik (rasa), berbeda nyata terhadap kadar abu dan organoleptik (warna), dan berpengaruh tidak nyata pada kadar air, antioksidan (IC50), dan organoleptik (aroma). Perlakuan terbaik berdasarkan analisis kimia, mikrobiologi dan organoleptik teh celup yang dicampur serbuk kulit jeruk siam dan kayu manis adalah perbandingan 50%:50% (F) dengan nilai rata-rata sebagai berikut: pH 7,49, kadar air 6,56%, kadar abu 3,56%, polifenol total 67,05 mg GAE/gr, IC50 107,38 ppm, angka lempeng total 6,0x10^2 CFU/g dan nilai penerimaan organoleptik dengan nilai warna 3,90 ( suka), aroma 3,70 (suka), dan rasa 3,65 (suka). Kata kunci: antioksidan, karakteristik, kayu manis, kulit jeruk siam, kantong te