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Friday, June 29, 2018

FAILURE OF SINGLE WINDOW IMPLEMENTATION FOR IMPORT TRADE FACILITATION IN SRI LANKA


UNDERSTANDING THE FAILURE OF SINGLE WINDOW IMPLEMENTATION FOR IMPORT TRADE FACILITATION IN SRI LANKA 

1.    Introduction

 When an importer import a consignment to Sri Lanka there were extended process and cumbersome paper work, delays caused by regulatory agencies to clear that consignment with the manual clearing process. To avoid the above manual time consuming procedure the regulatory agencies such as Sri Lanka Customs, Port Authority, Bank of Ceylon, Inland revenue, etc. has introduced this single window concept to facilitate the traders(Both Import and Export). The Department of Customs established an Automated Data Processing (ADP) Division for the introduction of the ASYCUDA (Automated System for Customs Data) system in 1992 with a view to introducing automation of the export-import process and procedure.in 2011 they have introduced the advanced version of this system called ASYCUDA World that facilitate to fully automate the cargo clearance customs procedures. As a part of automation the databases of the Inland Revenue department also connected with the customs systemBut unfortunately the process has stopped and the other required institutes do not connected to the system for the last few years. Currently Traders only able to submit the electronic CUSDEC form to the Sri Lanka Customs and they have to send the hard copy of that CUSDE for further process as previous manual procedure.When refer to this single window concept implementation process it can clearly see the objectives of the project does not yet achieve.This research paper has conducted to analyses the reasons for the failure of implementation of the single window concept for the trade facilitation in Sri Lanka using the Actor Network (ANT) theory. 

 2.     The Actor - Network Theory

Actor network theory (ANT), also known as enrolment theory or the sociology of translation, emerged during the mid-1980s. This is defined as Heterogeneous network of aligned interests, including people, technology and organizations (Walsham and Sahay, 1999).

Actor Network theory has been used in different ways in analyzing the failures of an ICT project. In this study it has used the four stages of translation of Callon (1986) Problematization, interessement, enrolment and mobilization. These help to analyses and describe the process leading up to the failure, step by step from the Actor-Network’s formation until its collapse (Greener, 2006; Lee and Oh, 2006;Mahring et al., 2004) 

2.1 Problematization 

This is the first stage of the ANT, in this stage the focal actor decides the project objectives and selects the actors, according to the selected case the ministry of finance and planning is the focal actor and they have to set the OPP that can align the interests of different actors.In this Sri Lankan scenario the focal actor was unable to set an OPP that might hold important actors with different concerns together.ministry of finance and planning has focused only their interest than other actors like Other government ministries and Departments including the BOI, Ceylon Chamber of Commerce ministry of Agriculture, Archeology and private sector players such as , Transporters, and Freight Forwarders.Introduced ASYCUDA WORLD system has been given an opportunity to Importer to feed CUSDEC online from their offices. Before it was done by the Officers of Sri Lanka Customs once an Exporter submits the papers to their Key-in counters. Up to now this is the only procedure that upgraded with the new system. Since the Data bases of Inland Revenue linked with the Department of Customs Imports has to get the TIN numbers manually.It is clear that, ministry of finance and planning – the Focal actor is focused only their interest in the development of new system rather than aligning the interest of different actors. So the current system does not provide the expected return to the other actors.

 2.2 Interessement

At the interessement moment, the Focal actor uses various devices to lock important actors into their respective position and establish a balance powers between actors, ensuring that these actors are able to overcome a series of obstacles and go through OPP (Callon, 1986)In the beginning ministry of finance and planning was not allowed and not aware of the difficulties faced by the different actors and later offered little help to them with tackling the problems.
Secondly, the officers of Sri Lanka Customs required hard copies of E-CDN and it should send along with the consignments. Since they can view it through the system, so far they need Hard copies to cross check with the ASYCUDA SYSTEM.Also an Importer cannot pay their Bills, Statutory charges or obtain online Country of origin through the system so far. Still, it processes manually and all papers – supporting documents should file to each section to get the things done. These functions of the above system does not activated in Sri Lanka.

 2.3. Enrolment

 Sri Lanka Customs were ready to facilitate paperless movements & online procedures under the new system. So far the focal actor – ministry of finance and planning failed to provide fully automated online submission, online paying facility and obtain country of origin certificates, TIN numbers and other required certifications from the system.
In this scenario ministry of finance and planning was not properly coordinates with the other ministries to get them together to implement this automated system. They have to coordinate and arrange the procedures of getting the all required government institutions functioning under different ministries that connected to the import trade to obtain required certifications online. 2.4.  Mobilization On the other hand, due bad ICT infrastructure, issues in internet access, low productivity and frequent server downs, IT security threats the other actors in the network are not relying on the system. Nothing has been changed from the Old systems to a new system, rather than adding extra payment from the Importers and Exporters entering Initial data in to the system which is an additional work to the client.

 3.     Conclusion 

The concept of the Single window project is to facilitate the import and export trade with the development of the other infrastructure such as sea and air ports. Under that ministry of finance and planning is expected to facilitate this project but this was not success. Sri Lanka has only partially implemented the automated system despite the fact that the Sri Lanka Automated Cargo Clearance System was initiated about 12 years back.


The progress to date has been poor with still more than 35 per cent of the import CUSDECs being processed manually. According to stakeholders interviewed only about 40 per cent of the entire import process has been automated on average and most of them are not satisfied with the status of automation in the country. Not surprisingly, the benefits from automation have been limited and it has had a limited impact on the small and medium scale traders and agents.Currently, the system only allows for the lodgment of the Customs declaration form and receipt of approval. Thereafter, the process is entirely manual and still involves a lot of paper work and visits to different locations to import or export a good. Some stakeholders thought was too high considering the fact that they can only lodge the CUSDEC electronically but have to do the rest manually. The expected level of service that need to obtain from the implementation of automated clearing system is not contributing to the system due to issues in implementation and the implementation progress  getting the log time than the expected.In the interessement stage, the key challenge faced by focal actor is to support other actors in the actor-network to work properly and avoid betrayals appearing, by employing different mechanisms. The other factor is the focal actor should be guaranteed with a stable status, which is critical for the actor-network to survive the translation process.The Final conclusion is the project of Single Window implementation in Sri Lanka is became a failed project according to the Actor- Network Theory.


Virtual Campus failure in Sri Lanka


Virtual Campus failure in Sri Lanka
Introduction
ABC Virtual Campus is a web-based portal developed by ABC institute to offer wide range of educational resources and features for students’ convenience. This system is developed for the purposes of enabling students to download study and course work materials, collect exam entry cards, view evaluation feedbacks and results, important messages and discussion forums. In simple terms, it is a student centric web portal enabling students’ learning process easy and faster. Students who are enrolled in the institute are provided with the access to the modules that are elected by them and eighteen types of service options are provided under each module. Viewing reports, online markers, academic corner, instant messenger, student admission, notice board, exam corner, book list and lecturer resources corner are some access options that are provided.
 This is a platform for managing, tracking, promoting and sharing information with easy to use on-line tools that aims to connect the campus community 24 hours a day, seven days a week. This Virtual campus is globally accessed by students whereas the utilization has been identified as very minimal. This assignment focuses on the reasons for such minimum level of utilization of portal and suggestions for overcoming the difficulties with reference to the Actor Network Theory (ANT). The actors of the ABC virtual campus are the portal administrator, lecturers and student service employees. Students are the other actors of this network. The non-human factor involved is the ABC virtual Campus. Reasons for failure of the ABC virtual Campus The following are identified as technical difficulties faced by the portal administrators in using ABC virtual campus, Difficulties in handling bulk data simultaneously This is a MySQL-driven database system in which bulk data cannot be handled simultaneously. During the situations of data overflow, this system becomes idle and loses its functioning ability. Difficulties in load balancing When multiple users are logged on to the portal, load of the data is not balanced effectively and the data processing speed is decreased. Hence users are reluctant to access the system for their information requirements.
Hence addition or editing cannot be done easily through web. No centralized administrative privileges Though administrator has the authority to update and handle the portal, he/she is not provided with access to all options in the portal. For example, students are provided with some options which cannot be seen under the administrator’s access list. The following are identified as the hurdles for lecturers and student services employees to utilize ABC virtual campus in an optimum level,
No notification system for student registrations
When a case file of a student’s registration is opened locally by the student services and processed for registrations, no any notifications are sent denoting the completion of student registration process that takes considerable amount of time. However, the relevant student is notified about the completion of registration process. No method to record student attendance to the online system There is no any systemic way to record the student access information and attendance for the online sessions.
Therefore, the confirmation on students’ utilization of the information shared and the participation cannot be measured quantitatively. The following are identified as the reasons from the student’s end for not using the web portal for their learning purposes,
Not a multi-lingual platform
Though this system is accessed globally by students from different region, it does not have other language options apart from English. No real time online group chat facility The system consists of information sharing platform as “White boards”, however it is not quick and effective like real time chat. Students highly prefer real time communication platform for them to share their thoughts and sort out their issues. Lack of fluency in web-based learning process The undergraduate students are lacking of fluency and confident in using an information system for their learning purposes. Also, only an initial level of introductory session is conducted to the students in accessing the portal, whereas no any discussion and problem solving forums are conduct in-person once the students start using it. Students who are adopted to class-room teaching and in-person information sharing practices lacking of confidence in getting maximum information from it.
 They still depend on in-person announcements related to their assignments, exams and results. Complex interface of the system The content of the system is not arranged in an order where all types of relevant and irrelevant menus are visible for all types of users. The scattered nature of icons and improper partition of menu mislead the users to access the required destination.
No feedback, notification and acknowledgement process in the system Feedback of the users cannot be tracked in the system. Also no any notifying mechanism is implemented for users to be informed on the updates of the system. This leads to situations such as students need to be informed via other media about the update in the system.
 Overcoming the failure using ANT This part of the report provides suggestions for solving above mentioned difficulties in handling the ABC Virtual campus system in view of the ANT. In the problematization stage, the actants of this system needs to be identified prior to development of the system. i.e, the users of this system such as student service employees, system administrators, lecturers and students need to be identified and the purpose of developing the system needs to be shared with them. The expected benefit of the technological improvement needs to be communicated to all users of the system. When the need for developing and implementing the system and expected outcomes is clearly defined, the important features and structure of the system can be planned. The requirements, needs and interests of all students, lecturers, administrators and student services employees needs to be discussed and identified to define the features of the system. The interconnection between the features used by all parties need to be identified. For example, student performance information access needs to be provided to lectures and students. Administrator should have the access to all privileges which is facilitated for students.
 The link between students and student services, students and lecturers, student services and lecturers, and administrator and all other actants need to be satisfied in the system. In the intersegments stage, the interest and confident to deal with the system for learning purposes need to be developed among the students. The convenience and flexibility of using the system needs to be felt by the lecturers, students and students’ services employees. The purpose of existence of the system, which is acting as a hub connecting all actants for information sharing purposes needs to be felt and realized by all users. Various levels of audience-targeted training needs to be provided for all types of users. This will help users to get better understanding about the system and share their issues in dealing with the system. In the enrolment stage, interdependency among students, lecturers, and students’ services need to be developed via the system.
The skills to handle the obstacles in using the system needs to be improved. In the mobilization of allies stage, the real purpose of every actant needs to be served by the system. i.e, Students, lecturers and students’ services should satisfy their learning, information sharing, and communication needs via the system. Further, improvements and enhancements that could be done to upgrade the functionality of the system needs to be suggested by the users. Conclusion in the problemitization stage, the appropriate Database Management System (DBMS) that solves the bulk data and data balancing issues has to be chosen. Expectations of the students, lecturers, students’ services need to be discussed and listed. Serious attention needs to be paid on providing access authorities to all parties and the administrator should be informed about the access authorities of all the other users.
The interconnection between all users’ needs to be identified and linked. In the intersegments stage, customized and common training needs to be provided to all types of users. Real-time online chat mechanism need to be implemented to make the users get maximum benefits from the system and to create the interdependency in the enrolment stage. When the users are comfortable in using the system and the objective of implementing the system is achieved, students, lecturers and student services will make suggestions for further development of the system. If the ABC virtual campus is developed and executed accordingly, it could have been an effective learning system which serves the needs of students, lecturers and students’ services.

Thursday, June 28, 2018

Critical Analysis of the Technology Acceptance Model



Critical Analysis of the Technology Acceptance Model
 Executive Summery
As an essential requirement in the Management Information Systems (MBA-540) students need to assess Technology Acceptance Model with the intension of analyzing practical example in the real business environment. Therefore it was decided to analyze Navision ERP system introduced to Analytical Instruments (Pvt) Limited and its acceptance and rejection by the employees who are using the system.
In the first chapter introduction and discussed and forward the basic identification of the selected organization and the past situation of the organization without the Navision ERP. Thereafter discussion will be on TAM model and the next Navision ERP system Introduction and its acceptance and rejection among employees critical evaluation has presented. Thereafter summery and conclusion and finally referred research and text list.
Analytical Instruments (Pvt) Limited.(AIPL)
A 25 year old organization originally sales driven trading business and it is having a turnover nearly 4 billion LKR. Probably the market leader in the scientific instrumentation industry in Sri Lanka and ICT involvement it considerably high and ICT used to gain competitive edge in the industry. In resent past AIPL was able to introduce a major change in to their internal system that is introduction of Navision ERP system. This introduction was done due to various pressing issues in the past Q soft ERP system. According to the preliminary discussions had with the ICT service provider Navision will be overcoming most of the available draw backs in the q soft system.
On time invoicing, correct inventory records, proper financial records marketing records and information will be easily obtainable by the Navision. So that total staff that is directly interacting with system were trained on the usage of the system and external staff was train about the possible requirements that can be obtain from the Navision. The major emphasis on the Navision is that it will increase the effectiveness of the internal sales support staff of the AIPL. Additionally the Sales man in the field will be benefitted from this.
After introducing the system to the organization the situation was not that much accepted, according to sales mans view point. On the other hand some of the practiced processes and procedures also changed that was another negative factor for the effectiveness of the Navision. In this scenario, the complications in acceptance evaluated by using TAM model.
Critical Evaluation According to TAM
AIPL employees are always welcome new technologies unless it complies with PU & PEOU. Q-Soft ERP system was not effective when the organization grow larger so that people has to move to new technology. On the other hand sales forces are the person who brings revenue to the organization so that facilitation from the office staff is a must. In addition to that keeping them free from office work will increase their effective sales time which can use to bring in sales. On the other hand effective sales forecasting and budgeting will bill increase the effectiveness of the sales strategies? Other than that walk in customers should be treated quickly which was not happened previously.
With all those expectations Navision was brought in to the organization. In fact it was practiced with considerable difficulty due to various reasons major reason is that operators are not adequately trained, therefore unexpected delays and errors were occurred, at the same time report generation was quiet remarkable and effective information was able to drawn from the Navision. Previously manually generated target Vs achievement report was generated by a single key struck.
In addition to that stock records were high in accuracy so that prompt delivery planning and delivering was easy. In logistics handling previously information obtained through a phone call but sometimes it was not accurate. In promising a delivery date to a customer need to be concrete and should be matched so that the world of mouth information was not adequate so that more accurate information could be obtained from Navision with very limited time period.
Previously invoicing was not easy for a walking customer so that number of walking customers were dissatisfied. With the available system it was overcame. Therefore introduction of the Navision was really effective to the organization and it was successful. The major reasons behind are meeting the two major assumptions. So that perceived usefulness and perceived ease of use were matched by the technology so that it created a successful launching of the new technology.  




Monday, June 11, 2018

Ecotourism is a golden opportunity to Sri Lanka


Ecotourism is a golden opportunity to Sri Lanka, since it has the required natural resources. Tourism is a good foreign income earner and ecotourism is an emerging that Sri Lanka needs to capitalize on. To identify the current level of ecotourism and the potential of five star hotels to adapt this concept this investigation is conducted. 
The problem statement of this investigation is to identify the challenges and barriers faced by five star hotels when implementing ecotourism. The objectives which this investigation hopes to achieve are to measure the current level of awareness of ecotourism in Sri Lanka, to identify the challenges and barriers faced by five star hotels when implementing ecotourism, to identify the willingness of five star hotels to invest in ecotourism projects and finally to develop a strategic plan to overcome these challenges and barriers faced by five star hotels.
The population from which the sample was selected are all hotels listed in the Colombo Stock Exchange. Hotels have various levels like 3 star, four star and five star it is impossible to investigate all, so the cluster sampling technique was utilized to select a sample of 6 five star hotels located in Colombo and are listed in the Colombo Stock Exchange.
Secondary data was collected from various sources like newspaper articles, corporate publications, government publications, websites etc. The findings of this analysis indicate that the level of awareness of Sri Lanka is low, and there is a great lack of support for ecotourism from the government. The main challenges and barriers faced were incompetent tourist guides, bad infrastructure, natural disasters, lack of cultural endowments, competition, lack of government support, Lack of involvement of community and language barriers.

Tourism in Sri Lanka


Tourism is a major income earner for Sri Lanka and the tourism ministry has been incorporated for than 40 years. As mentioned above ecotourism has been introduced for more than 10 years yet, no proper support has been provided by the ministry. There are many officers and managers within the ministry who have the power and the required resources to develop ecotourism. Since ecotourism not only bring income but also protects the natural resources while developing the rural areas of the country. Having many natural resources like those mentioned above ecotourism is a great opportunity for the country. Since it has a combination of wildlife, forests, culture and interesting ancient cities Sri Lanka is surely an ecotourist’s destination. 
The five star hotels alone cannot successfully implement ecotourism in Sri Lanka since it requires a lot of investment. Therefore it is important for the government to contribute for the development of ecotourism. From the data analysis given above it is clear that Cinnamon grand is the most dedicated five star hotel for the implementation of ecotourism. The other hotels are in the initial stage of identifying ecotourism while Hilton does not speak of ecotourism at all. The SLEF along with the government need to create awareness of ecotourism attained.     
The major challenges and barriers faced by hotels when implementing ecotourism have been identified and the strategic plan provides solutions that need to be adapted by the hotels in order to implement ecotourism in Sri Lanka. This plan is aimed at the managers of five star hotels and also for the government of Sri Lanka to identify the importance of their support in order to effectively develop ecotourism.

Friday, June 8, 2018

INTERNET THREATS AND SAFETY METHODS AMONG CHILDREN IN SRI LANAKA


Now-a-days internet has become a vital part in our life style. In every aspect of our lives, internet has become a part of them. Internet is essential in each and every field and profession. It has become a common and a well-known thing among everyone from the small child to adult persons which means every person in the society is aware about the internet. That means even the small children are aware about what is called internet. In today’s society, children are growing with the technological environment so that it’s not a new thing or magical thing for them further.

Internet has both advantages and disadvantages. When concentrating about the advantages, e-mail facilities, access to information, online shopping, online chat, downloading services can be considered as the main advantages. Identity theft, loss of confidential information/data, theft of network resources, damaged personal reputation; financial losses are the common disadvantages.
  
When using internet, one should be aware about all of those. But, the pathetic situation is when children are using the internet, they are only aware of the benefits of the internet most of the time. Although they are using internet, they don’t know anything about internet threats. So that as a result, automatically they become victims of the internet threats.

Lack of awareness of the internet threats can cause negative consequences on children such as child abuse, sexual harassments, child pornography etc. If no precautions are taken, children and young people can come across serious dangers and become the victims of internet crimes.
If the children are allowed to use internet, they should be made aware by the parents about the internet threats as well as safety methods.  If using those methods, one can avoid the threats and use internet safely without getting affected by any bad impact.

In the course of surveying the research which is the awareness level of internet threats and safety among children researchers tried to carryout a particular structure of the field. Followings were made as the conclusions based on the analysis of relevant literature, the results of questionnaire survey and the findings about the awareness on internet threats and safety among students of both schools.


The study was carried out with view point of identifying the awareness level of children about internet threats and safety methods in Sri Lanka. Though internet is providing many opportunities for children, it has exposed the children to a greater risk due to limitation in awareness about threats and safety. Though many researches have been carried out in this context, after reviewing the literature it was notorious that majority of these studies have been conducted primarily on Western economies. Therefore the study was designed to fill the existing gap in literature and accordingly research objective was set out. The scope was limited to from the grade nine to thirteen students in selected two schools due to the information accessibility.

The sample was collected using stratified sampling method in a way to minimize the sampling error and information was gathered mainly using a questionnaire. Further secondary data was also assisted in drawing an appropriate conclusion. The SPSS software was used in analysing the gathered data through survey. The findings indicated that nowadays almost all the students  have internet access device and daily browse and most of the students are spending approximately one hours browsing internet especially playing online games. Further it was observed that there was no any relationship between parental mediation and awareness level about internet threats and safety among children. However the educational level and concern about threats protecting behaviour are highly affect to the awareness level among children of internet threats and safety.

However it has to be noted that the research is subjected to certain limitations including generalization of the findings among students in other provinces in Sri Lanka since the sample was obtained only from the western province and Sabaragamuwa province.


Thursday, June 7, 2018

Importance or advantages of human intervention in a bank


Importance or advantages of human intervention in a bank
Importance or advantages of digitalized systems in a bank
· E-banking: This enables the bank to deliver its services easily to its  customers. To make the system user friendly to all clients, banks have used a Graphical User Interface  , with this software , customers can access their bank details on their own computers, make money transfers from one account to another, print  bank statements and  inquire about their financial transactions. Another technology used by banks to exchange data between the bank and clients is called Electronic Data Interchange this software can be used to transmit business transaction in a computer-readable form. So the client on the other end will be in position to read the information clearly. 
· Plastic money:  Credit cards or smart cards like Visa / Master  have made the banking industry more flexible than before. With a credit card , a customer can borrow a specific amount of money from the bank to purchase any thing and the bank bills them later. In this case, they don’t have to go through the hassle of borrowing small money. Then with Smart Cards like visa/Master electron , a customer can pay for anything using that card and that money is deducted from their bank accounts automatically, they can also use the same card to deposit  or withdraw money from their accounts using an ATM machine.
· Self inquiry facility: Instead of customers lining up or going to the help desk, banks have provided simple self inquiry systems on all branches. A customer can use their ATM card to know  their account balance, or to get their bank statement. This saves time on both sides.
· Remote banking: Banks have installed ATM machines in various areas  this means a customer does not have to go to the main branch to make transactions. This facility has also enabled anytime banking, because customers can use ATM machines to deposit money on their accounts. Remote banking has helped people in rural areas improve on their culture of saving money.
· Centralized Information results to quick services: This enables banks to transfer information from one branch to another at ease.  For example, if a customer registered their account with a rural branch, they can still get details of their account while at the main bran in an urban area.
· Signature retrieval facilities:  Technology has played a big role in reducing fraud in banks which protects its clients. For example, banks use a technology which verifies signatures before a customers withdraws large sums of money on a specific account and this reduces on the errors or risks which might arise due to forgery.

 Disadvantages of digitalized systems in a bank
·         Accessing money through an automatic teller machine (ATM) anytime is convenient to clients. On the other hand, that freedom can allow easier access to people’s money for someone who has stolen  ATM card.
 ·      Online Banking
Online banking empowers customers to pay bills and transfer money without leaving their living room. Unfortunately, it also allows new ways for criminals to seize control of their bank accounts and other information associated with them. If a criminal finds out one’s online banking log in information, for example, he can make money transfers and can probably find other numbers.
 ·      Fast Credit
Advanced banking technology allows bank account holders  to arrange for credit faster than in the past. Decades ago, obtaining credit was purely a paper based process. Today consumers can acquire credit lines instantly. While many people enjoy the convenience of getting a car loan or store credit card within minutes, the temptation can lead them to borrow money they can't afford.
 ·      RFID Payment
By using Radio Frequency Identification (RFID) technology, customers can pay for goods or services by simply waving their debit or credit card in front of a reader. The RFID chip inside the card broadcasts bank information wherever go, which can be quite convenient
for example, instead of having to go into the gas station to pay, you can simply make sure your wallet is close enough to the reader. However scammers can get that information if they have their own scanner.
·      Website Interruption
Many consumers become reliant upon technology to pay bills or conduct other kinds of banking transactions. Ideally, this is a beneficial arrangement.
For example, if client forget a credit card payment, he don't need to worry about whether paper check will get to Credit Card Company in time. Simply log on and make the payment. If the bank's website suffers an interruption, may be unable to send payments to creditors, incurring late fees or other consequences. Unfortunately, websites experience downtime on occasion.
  Importance or advantages of human intervention in a bank
·         Humans provide judgment to the system. It is a common perception that humans are more flexible, adaptable and creative than a purely automatic system. 
Eg:-Banks are tending to keep backups of databases even though how much advanced the existing systems used.
-In ATMs employees are deciding how much cash need to be loaded  for specific periods.
-Implementation Integrated Risk Management processes even though it generate reports through automated systems.
- Banking systems are controlling by the staff through placing username /passwords
 ·         Customer service is the key objective in service organization like a bank
Because it can help differentiate a company from its competitors, the employees themselves in the process of deciding about the customer service, it is them who are in the direct contact with clients and meet those most often
Sales people bridge the gap between customer needs and the product/service that fulfils that need. Often, salespeople are dealing with already warmed up prospects that have an existing awareness of the company through marketing and advertising efforts, and it’s the job of the salesperson to close the deal by introducing further information and helping the customer make those connections.
Bank employees play a key role in the building of loyalty and trust between customer and the bank. There is a high correlation between the customer service quality and profitability.
Eg:-Employees meet potential non customers,even existing customers time to time and create awareness of them regarding banks products/services, benefits of dealing with the bank.
-Initial level customer attraction mostly depends on the reliability of bank staff.
-Even for maintaining existing relationship with clients staff has to work on tactfully .such as keep wishing for B’Days, offering gifts.
 Problems may create through human intervention in a bank
·         Work overload
Extreme pressure, stress, and fatigue from work overload can lead to loss of concentration and consequently to inadvertent errors or omissions. Even the best trained employee cannot sustain flawless work if overtime and overwork have become routine.
·         Complex tasks
If tasks and procedures are too complicated and unsystematic, employees may be not able to repeat them correctly and consistently hundreds of times during the day, every day of the week.
·         Unclear instructions
If the job to be done is unclear and poorly documented, execution may result in errors especially by new recruits. If the procedures and sequence of steps are stored in someone's memory, they may not be repeatable and transferable to others.
·         Lack of standards
If banking procedures lack standards and are subject to whimsical changes, personal style and interpretation, then we are inviting errors and confusion. There is nothing wrong with changing procedures, especially for the sake of improvement. The problem is when these changes are not documented and communicated right away to the rest of the organization. Another problem occurs when it is not clear who is authorized to make the changes in procedures. In this day and age of all-out employee empowerment, we should address this downside risk of changing things without proper and timely documentation and communication.
·         Lack of training
If untrained or inadequately trained personnel are assigned even the simplest of tasks, then errors are prone to happen. If fact, these incompetent employee may not even know they are committing mistakes.
·         Monotonous jobs
The minds of employees bored with monotonous jobs wander continuously. They try to fight the system and eventually lose concentration and make mistakes.
·         Poor working conditions
An employee working under adverse working conditions, will make mistakes, whether he likes it or not. Distracted and irritated by noisy, hot, cramped, or poorly illuminated work area, he cannot put enough attention to the job on hand.
·         Inadequate, unreliable equipment
If employees are made to work with machines that keep on breaking down or difficult to operate, then equipment induced human errors are inevitable.
·         Wrong incentives
Finally, employees must be financially motivated to do things right the first time, rather than to produce the most volume or quantity. Incentives, like piece rates, which are tied to the volume of output, e.g. number of documents processed, can be very counterproductive by inducing employees to disregard quality and accuracy in their haste to reach or exceed quotas.
Conclusion
As highlighted above it could observe importance and issues related to the both systems and employees related to the banking sector.
However the basic purpose of any organization to achieve pre set goals so that it important to hold their employees motivated and satisfied. If the employees are motivated, case by case the quality and quantity of performance increase that has a positive effect directly to all organization’s performance.
Humans provide judgment to the systems though systems provide high efficient contribution towards success of banking activities.
Simply systems can’t play the intended role without human touch in banking .Hence it can conclude that human intervention as the most crucial factor.


JAT Holdings PLC

  ABSTRACT   This report presents a comprehensive analysis of five consecutive annual reports of JAT Holdings PLC, a leading company...