Market Research Proposal, With questionnaire (NO PRIMARY DATA Essay

Market Research Proposal, With questionnaire (NO PRIMARY DATA COLLECTION REQUIRED) - Essay Example A survey by Ernst and Young conducted amongst 23 matured and emerging market that were negatively affected by the credit crunch suggested that the customers of UK are seen to have low level of confidence on the banking system. About 63% has reported that their trust on the UK banks has completely fallen, whereas about 36% were completely dissatisfied (Flower, 2012). As all the banks generally deal with similar, undifferentiated category of products, so quality of the service becomes a primary weapon for winning the competition. The banks that display an excellent service quality are supposed to have a distinct marketing edge in terms of improved cross-selling rates, elevated revenues, better customer retention capabilities (Bennett and Higgins, 1988) and prolonged market share (Brown and Hedges, 1993). As defined by Ghobadian, Speller and Jones (1994) quality signifies how well the organizations cater to the requirement of the customers. The definition given by Deming (1986), Ishikaw a (1985), Feigenbaum (1986), and Juran et al. (1974) also fall under the same category. This approach suggests that the organization should first understand and determine the requirements of the customers and then meet unto them. The service quality can only be judged either during or after the consumption is made (Audhesh et al., 2005). The performance of the service provider is the primary source of value creation for the service that is signified as the service quality. It may be very trivial service performance by the service provider but is likely to create a huge impact on the perception of the customers about the service quality of the provider. Barclays Plc, one of the major banks of United Kingdom (UK) has been involved in the scandal of mis-selling of PPI due to which they had to pay huge compensation to the customers (PPI Claim Company, n.d.; BBC News, 2011). Lloyds Banking Group has also suffered problems with the Faster Payments System that is responsible for transferri ng of funds in and out of the accounts of the customers. This problem has given rise to a knock-on effect on the customers of the bank (BBC News, 2013a; Winch, 2013). Earlier in the year 2012 due to system failure the customer of Lloyds using TSB debit cards, online banking and ATM have also faced problem (BBC news, 2012b; Salmon, 2012). Same is the case with NatWest whose customers have also faced problems with online banking, cash withdrawal etc (BBC News, 2013b; Bachelor, 2013; Farrow, 2012). HSBC of UK has also reported the same problems in the year 2011 and 2012 (BBC News, 2012a; Rojas, 2012; Osborne and Bachelor, 2011). This situation has given rise to a growing concern for all these four banks that are eager to know what the expectations of their customers are. Thus the current study tries to find an answer to this question. Objectives The main objective of the research is to understand the perception of the customers towards banks as well as gaining knowledge about the wants of the customers. In this context the closely done study on the current status of the banking organizations suggests that the financial crisis as well as the recent

Ethics and Public Official Essay Example | Topics and Well Written Essays - 500 words

Ethics and Public Official - Essay Example According to the constitution, assuming a state statute fixes compensation and salaries of an office, the salaries and compensation will be attached to and cannot be separated from the office. In summary, the office will not return the benefits or pay of the second office, or basically refusing to accept the compensation to avoid being taken of holding two emolument civil offices. Additionally, the constitution ascertains that the entity of the government cannot eliminate the benefit or pay to a county officer to avoid the holding issue of a dual office. When Lino takes the additional duties in the Attorney’s office he will not create the violation in the second office. There is no conflict of offices if Lino decides to hold the two offices. This is because under many circumstances, an officer who enforces law is not taken to be an office for the sake of constitutional holding limitations for a dual office. Therefore, it is very possible that Lino can hold both positions as a County Commissioner and an Assistant District Attorney this is because the two offices are not categorized as incompatible. Conflicting loyalties limits the person from holding two offices simultaneously when their interest of the two entities conflict and election of a single public office would compromise other office interest. The position of a county commissioner and that of An Assistant District Attorney have no conflicting loyalties between them. This is attributed to the fact that the policy of objectives of the two offices do not conflict in any area. The compatibility doctrine between the two positions will not protect the county’s institution integrity through promotion of impaired services by the official. Additionally, according to the law, two positions have issues of conflicting loyalty when they are public offices. County Commissioner and Assistant District Attorney Position are both public offers. But

Google Assignment Example | Topics and Well Written Essays - 1000 words

Google - Assignment Example Google has grown to attract large numbers of users who access the internet daily. The company has been selling text based ads that incorporates search keywords. This has been one of their largest income earners over the past decade. (Google Incorporation, 2014). Larry and Brin obtained their first capital in form of a donation from Andy Bechtolsheim, A Partner at Sun Microsystems. Google has over the past years gained a large pool of capital. Selling its first shares in 2004 where 19,605,052 shares were sold at $85 per share. Google is now operating in different countries of the world and worked with many corporations such as NASA, AOL, and News Corp’s. Google has become part of the largest providers of social media platforms. In corporation with mobile companies, it created the Mobi. top level. This is an area for mobile internet that allows mobile users to access the internet through their phones for quick communication. Most of the scholars have come up with lots of work done on business strategy but most of them have not withstood the test of time. Many people are well familiar with Mintzberg and Water’s strategy of 1985. Mintzberg is one of the best strategic thinkers. In collaboration with James Waters they both developed a model that showed how strategy is developed and how it is ultimately delivered. In their model, strategy delivery is made up of two sides. The deliberate strategy which includes what the organization desires to do and the emergent strategy which indicates what happened during the process (Mintzberg, 2010). The model looks like this; Google incorporation has been one of the company’s in the world that is utilizing this model in connecting up with entrepreneurs and coming up with the latest inventories in the world of technology in order to meet their customers’ demands. Google being one the most important and the largest search engines in the world must ensure that combines with the

What have I learned during the programme and how can I apply this in Essay

What have I learned during the programme and how can I apply this in my future career A critical reflection - Essay Example , and during the project which will be defined, highlighting the major ones will form the outline and backbone for what this particular response paper attempts to highlight. One of the most important, and perhaps most helpful, skills that I learned during the course of this particular project has to do with the process of developing new ideas. Ultimately, my group, which consisted of four individuals, found it necessary to develop a business plan and seeks to implement this business plan in a virtual setting. As such, many ideas were developed and analyzed within this group prior to one being selected. Whereas it is of course important to underscore the fact that each member of the group provided an essential role and ultimately help to the project towards completion, it was my suggestion that was determined to be the best and provided the basis for the business plan that was eventually developed (Bouma et al., 2014). The development of the business plan serves as an essential complement, and perhaps the most important aspect of learning that was achieved during this particular semester. The underlying reason for this has to do with the fact that the bu siness plan is far more than a rough interpretation for what service or product should be offered. Instead, the business plan must make preliminary projections and considerations with respect to how this will be affected, feasibility, economic issues, potential threats and weaknesses, and a litany of concerns involving finance and the way in which such a project would be initiated, supported, and projected into the market (Meadows & Buckley, 2014). In this way, rather than the development of the business plan only taking a few days or hours to complete, this process was one that instilled a level of respect in me with regard to the importance of carefully crafting the business plan and going about it in a thorough and analytical manner (Goodwin, 2002). In terms of how this particular aspect of the project could

Team Participation - Scenario Analysis Essay Example | Topics and Well Written Essays - 1250 words

Team Participation - Scenario Analysis - Essay Example Team creation and development often offers an efficient environment which is considered to be ideal for encouraging teamwork, cooperation and motivation within the team members to greatly contribute towards the organization by delivering their best possible performances (The Team Building Directory, 2011). Conceptually, it would be tough for any individual to attain goals without team cooperation. It is considered essential for an individual to discuss and evaluate the pros and cons of his/her plan with the other individuals as in certain situations the rationality of a single individual or brain may fail in terms of making the correct decision (Project Smart, 2012). Thus, being in a team helps an individual to learn skills and talent of the teammates. With reference to the mentioned question it can be stated that an individual paper would have been better rather than just mentioning one’s name in a project which had no contribution of that individual. Contributing towards a p roject not only helps in developing confidence but also makes an individual aware regarding his/her capabilities. Joining a team and contributing nothing can be stated to be morally unethical. Once an individual becomes the part of the team, he/she must contribute towards the common goal which needs to be collectively attained as much as possible. Indulging in such activities which are considered to be unethical makes an individual lose his/her confidence regarding one’s competencies and skills. How is the importance of a team and its dynamics? The success of any organization largely depends on its ability to build an effective team. A single individual or an employee cannot perform all the responsibilities of the organization single handedly. Effective team in an organization motivates and creates cordial relation among the team members and enables them to perform their task efficiently (The Team Building Directory, 2011). It is equally important for the team members lucidly comprehend the responsibilities assigned to each members. In addition to this there also needs to exist a proper form of communication between the teammates in order to avoid the occurrence of conflicts among them. The different concepts and thoughts of the team members can be combined to reach the best suited decision which shall ultimately benefit the organization (Rosen, 2011). What are the benefits of being assigned to a team rather than picking the members of your team or volunteering to join a team? Being assigned to a team gives an opportunity to an individual to learn from its team members and acquire new skills. Volunteering to join a team may disturb the balance of the already existing team and may lead to conflicts between the new member and the existing members. Moreover, the role of each member is already assigned and the introduction of a new member may require the team leader to reassign the responsibilities among the team members which might prove to be cumbersome a nd may delay the particular project. Thus, being assigned to a team creates a sense of responsibility within the members and such accountability is found to motivate the team members to perform their assigned tasks efficiently. Moreover, an individual learns to work in groups and to accept greater responsibilities. An individual gets motivated by other teammates to work even in case of adverse situations. Thus, working in a team as a member teaches an

Economic comparison Research Paper Example | Topics and Well Written Essays - 1000 words

Economic comparison - Research Paper Example Immigration was totally restricted and farming was the main occupation there that time. The period of 1900 – 1910 saw a fall and increase in unemployment. The average unemployment in the period was 1406 (000s), which indicate a decrease in unemployment. The percentage of non-farm employees in the work force was on an average of 7%. The percentage of farm employees was decreased by 1910, which shows that farming activity had increased that time. According to the ‘Historical Statistics of the US 1890-1929’, the GDP in1910 was around 600 billion. From 1900 -1910 the real GDP growth increased, whereas at the beginning of 1910, the GDP recorded a straight decrease. The early 1930s was a period of great depression and the production of goods and services plunged. (Chantrill para. 1). The rate of inflation estimate provided by the US department of labor (Bureau of labor statistics) in 1910 was 3.7%, while in 1920 it was 15.6%. The Emergency Quota Act was passed in US par liament in May 1921 and this restricted free immigration into the US. Until that period immigration was on a large scale in the state. Four groups existed in the labor market in the US in the 1900-1910 era and they consisted of workers from the American federation of labor, knights of labor and the unorganized labor. These groups opposed unrestricted immigration into the US, which created less employment opportunities for the Native Americans. â€Å"Since 1900, the unemployment rate has fluctuated widely, rising during contractions and failing during expansions. During the great depression of the 1930s, the rate hiked to 25%† (McEachem 2009, p. 465). Comparison of 1910 with the Present US Economy: Today’s US economy is a very developed and established economy, even though economic recessions have caused a setback to the nation. Comparing the year 1910 with the present day, the economic development of the nation has grown by leaps and bounds. Although, the US GDP has ex perienced an uncertain trend especially during the times of economic recession, but it always shows signs of fast economic recovery. â€Å"The 1910s was a decade of great change for America. It was during this decade that the United States was first considered a world leader† (America 1910 – 1920: The End of Innocence 1910). A data chart released by Bureau of economic analysis points out that in the third quarter of 2011 the US economy showed a GDP annual increase of 2%, while in the second quarter the real GDP increase was 1.3%. Comparing the US economy of 1910-1920 with the present, it shows that the GDP rate has shown both an increasing as well as decreasing trend. The period of economic depression of 1930s witnessed a fall in GDP. Similarly the period between 1956-1960 also saw a decrease in the GDP. The 1980s also witnessed a fall in GDP. After that period the latest recession of 2007 has also brought an uncertain trend in the GDP of the US economy. World developm ents had also played a considerable influence on the US economy, especially the two world wars. Unemployment also experienced a very high increase in times, when the GDP was high. But during the periods of recession unemployment cropped up in high numbers. An increase in unemployment and an increase in inflation, especially of food products also had negative impact on the GDP of the nation. Even though there were employment opport

Sonnets And Songs Essay Example for Free

Sonnets And Songs Essay Sonnets and songs share number of things in common. One example is that they both rhyme at the end of each line. Today’s songs don’t usually rhyme, unless if the songs are under the genres of hip-hop and rap, but most of the songs from the 60s, 70s and 90s do rhyme. One of few differences between a song and a sonnet is the way it appeals to the audiences or the readers and the kind of language that is used in these two different two pieces of writing. The song ‘I Will’ by The Beatles and ‘How do I love thee? Let me count the Ways’ by Elizabeth Barrett Browning. For number of reasons, ‘I Will’ by The Beatles appeals more affectively to the audiences as it has repetitions, exaggerations and it has the tune that will be remembered by the audiences. Firstly, the sonnet ‘How do I love thee? Let me count the ways’ by Elizabeth Barrett Browning is a sonnet about her love, who is anonymous in the sonnet. She uses many adjectives and poetic devices such as similes and metaphors. She also used some repetitions such as â€Å"I love thee freely, as men strive for right; I love thee purely, as they turn from praise. I love thee with the passion put to use† Although this sonnet is very sweet, it uses old English from 1800s that people today don’t use. Most of the people can’t understand most of the English that is used in this sonnet. The repetition shows a little bit of the sonnet’s rhyming pattern. It is quite different from the rhyming pattern that is in the song, ‘I Will’. Secondly, The Beatles use some poetic devices just like Elizabeth Barrett Browning’s sonnet except with some exaggerations and most importantly, it is a song, which mean that it will have tune in it. The tune in ‘I Will’ is the biggest difference that differentiates songs from sonnets. The tunes in songs make songs more memorable than sonnets; for example, The Beatles’ songs are going to be more memorable than Shakespearean sonnets. Whereas Browning’s sonnet is about her love to this person, The Beatles’ song is about his willingness to do anything for his love toward this person. The Beatles also exaggerated a little bit in the repetitive part of the song such as â€Å"Love you forever and forever, love you with all my heart, love you whenever were together, love you when were apart† The rhyming pattern used n this song can be seen in the example of repetition. The pattern uses ABAC DEDF pattern, which means it rhymes every second lines but random words are in the every other second lines. Furthermore, everyone knows that normal person can’t live forever, so the exaggerations in the song lyrics make the audiences know that this man loves this person so much that he’ll wait until his death. Thirdly, The Beatles were more effective than Browning when conveying the same theme because of the exaggeration, repetition and the tune. The old English from Browning’s sonnet made it difficult for the readers from 2012 to read and understand the meanings behind the sonnet whereas The Beatles used the modern English and had the tune in their sonnet, basically a song, and they used the same theme, similar poetic devices. Furthermore they were able to get the meanings of the song over to the audiences. Having similar structure and theme made it easier to see which piece of writing is more effective in conveying the theme. To sum up, The Beatles’ song, ‘I Will’ was more effective in conveying the theme than Elizabeth Barrett Browning’s ‘How do I love thee? Let me count the ways’ as it had easily memorable tune, exaggerations and some poetic devices such as similes, metaphors and repetitions. Although Browning and The Beatles used similar themes and poetic devices, The Beatles was more effective only because it was easily understandable by most of the people and had that easily memorable tune. Maybe if Browning’s sonnet had modern English and tunes, it might have been more effective in conveying the theme than The Beatles.