Textual Analysis Essay Example | Topics and Well Written Essays - 1250 words - 1

Textual Analysis - Essay Example Morten did not listen and Inger dies. Johannes comes back to bring back Inger to life. Johannes explains that Inger can be brought back to life but this depends on faith and prayer to God. He says that this can only happen if the family has faith and if they ask God to bring back Inger to life. He is saddened by the fact that all of them have little faith and do not believe that this can be done. Out of all the people, it is Inger’s daughter alone that expresses her faith and she does this by taking Johannes hand and tells him to raise her mother from the dead (Wahl, 2012, p. 32). The young girl’s faith puts the adults at an awkward position because one would expect adults to know God better than a little girl and understand how faith works. From this, we expect that adults should be the ones to express faith even if it is a little faith. However, no one among them even bothers to do that. This represents the difference between adults and children. This scene shows that knowing has a different link with faith and that matters of the heart and mind may sometimes be different. From the adults’ point of view, knowing too much could affect one’s ability or trust in faith. On the other hand, from the child’s perspective, knowing a little information coupled with hope and trust can help one to believe or at least have trust in faith. The little girl only had hope and wish that her mother would come back to life and her little knowledge about God made her believe that He could bring her back through Jesus Christ. This made her have trust in Johannes prayer to God through Jesus Christ that Inger’s life be brought back (Milne, 1971, p. 156). The ordet is not a film with a long plot. However, it is a turbulent and intense poem that has several motifs, which are harmonized by the resurrection of Inger. The scene has many pauses in between the words spoken. In addition, the speakers in the scene who are mainly Morten, Johannes and the young girl speak in few words. The pauses in the dialogue are full of movement and reactions. The characters in the scene hear each other in a manner that they never do in normal films that are always marked by lots of conversations words and arguments. Here, one character talks followed by a pause then either he or she continues or another character picks up but the pauses are present. The pauses mark the movements that occur in the scene. This pauses help to create the mood in the scene, which is a somber mood marked by tone of optimism and pessimism. This mood can only be achieved when the scene is slow and is marked by little and slow movements that are well captured by Carl Dreyer, the director of film. In the scene, there is a distinctive resonance of the voices of the characters in the room helps to reinforce the impression of the physical presence of the voices (Schrader, n.d.). The characters that are in the scene are haunted by the fact that they do not acknowledge som ething that cannot necessarily be reduced to God. The importance of this fact is realized in the slowness of the movements of the characters and the slow movement of the camera as it captures the movement in the scene (Wakeman, 1988, p. 271). The scene where Johannes comes back to bring back Inger to

Taxation Essay Example | Topics and Well Written Essays - 2750 words - 2

Taxation - Essay Example The conceptual framework of accounting holds accounting theories related to taxation together. The framework establishes goal and objectives of financial reporting by businesses. Financial accounting information provides useful information for making business and economic decision such as taxation (Riahi-Belkaoui, 2005, p. 121). The theory that financial reporting should avail significant information for taxation recognizes that reporting does not exist out of the legal, economic, political, and social environment. The conceptual framework of accounting ensures that accounting information in relation to taxation is relevant, comparable, reliable, and consistent (Bebbington, Gray & Laughlin, 2001, p. 97). Comparability and consistency of taxation benefit from having  Generally  Accepted Accounting Principles (GAAP). Adhering to financial statements to GAAP in relation to taxation means, they are consistent from year to year and the tax difference between various companies can be c ompared. Therefore, the accounting theories help in practical analysis of taxation in a business. The accounting theories of taxation function on four assumptions. The economic entity assumption illustrates that the practices of a business are distinct from the actions of the owner. It means that tax is computed separately for the company’s profit generation. In addition, the income tax of an employee is distinctively calculated in relation to the amount of salary gained. The going concern assumption states that when financial statements are prepared, the accountant assumes that the company will move without threat of dissolution or bankruptcy (Riahi-Belkaoui, 2005, p. 97). Therefore, it means that the likely taxable amount is already catered for in the financial statements hence in the event of taxation, the business does not feel any

Management Assignment(LAW) Essay Example | Topics and Well Written Essays - 1000 words

Management Assignment(LAW) - Essay Example Charles Fried stated that persons entering into a contract are morally bound to keep it.*4 Therefore, a contract is equivalent to a written promise to deliver a service or goods in exchange for some consideration and fairness in transactions is the goal sought to be achieved in contract law. Traditional notions of laissez faire have been eschewed in modern contract law. In interpreting contracts and determining their validity, the courts have demonstrated that it is not the meaning a person actually intended to convey but what a reasonable person would have construed it as, which is referred to as the process of â€Å"objective interpretation.*5 In order that a contract be deemed valid, the parties to the contract must be clearly specified and the terms upon which the parties agree to conduct business must also be clearly laid out. In the case of Intel’s suppliers, the contract would therefore exist between Intel and the suppliers, since the engineers are in effect, acting on behalf of Intel and not as independent agents. This would however qualify as a bilateral contract since it involves the two parties: Intel via its engineers and the suppliers. In purchasing their supplies, the engineers functioning as Intel’s agents will be deemed to have made an offer for purchase of goods*6, which will not however be enforceable unless the suppliers have agreed and indicated their agreement through a written contract. An offer which is not communicated to the offerree will be deemed to be invalid or ineffective.*7 Therefore, assuming that Intel’s engineers have communicated their offer to the suppliers and there is a counter proposal made by the supplier in regard to the purchase price of the goods, this will be deemed to negate the original offer.*8 It is then up to the offerer to either agree with the counter proposal and indicate

Iago Manipulates Essay Example for Free

Iago Manipulates Essay In the play Othello, written by William Shakespeare, the antagonist Iago manipulates other characters. He makes them act in ways that benefits his plan of destroying Othello by making him believe that his wife, Desdemona, is having an affair with his lieutenant, Michael Cassio. In the beginning of the play, Roderigo who is in love with Othello’s wife, Desdemona, comes to Iago for help. Iago manipulates Roderigo by promising him Desdemona’s attention and love if he â€Å"put money in thy purse,† as Iago says. Roderigo gives money to Iago in the mistaken belief that Iago is using his money to help him get to Desdemona, but Iago is using it to finance his own plan. Roderigo is a desperate character in the play and is easy tricked by Iago, because he doesn’t think he has anything to lose and because he would do anything to get Desdemona. His desperate feelings for Desdemona and Iago’s convincing manner make Roderigo easy to deceive. Iago has also a wife, Emilia. He doesn’t really manipulate her, because she is unaware of what’s going on between Othello and Desdemona during almost the whole play, but he makes her do thinks that benefits his plan. For example, he makes her steal Desdemona’s handkerchief, which ended being the â€Å"icing on the cake† for Othello’s suspiciousness on Desdemona’s and Cassio’s love affair. Everyone likes and trusts Iago, and so do Desdemona. Iago is seen as an honest man, which helps him manipulate people, because they always believe him. Iago manipulates Desdemona by acting on her side and by sympathizing with her. When Othello starts to get very suspicious, he gets very angry at Desdemona, but he refuses to tell her why. Iago convinces her that Othello is angry on a letter he got earlier and not on her. Desdemona believes this lie, which probably stops her from questioning Othello’s behavior. Iago’s plan is to make Othello think that Desdemona and Cassio are having an affair together. His first move to manipulate Cassio is to get him in trouble. He gets Cassio in trouble by making him drunk and by developing a fight for him. When Othello hears what happened, he removes Cassio from his post. Othello asks Iago what Cassio did, but Iago refuses to tell him anything, he says, â€Å"I had rather have this tongue cut from my mouth than it should do offense to Michael Cassio. By doing this statement in front of Othello and Cassio, he earns Cassio’s trust. Iago uses this trust to manipulate Cassio later in the play. He tells Cassio that the best way to get his position back is to talk to Desdemona and get her on his side. Cassio does what Iago told him, and Desdemona is happy to help him because she knows him and she thinks he is a noble friend to Othello. But when Iag o and Othello come near, Cassio leaves because he doesn’t want to face Othello personally. Iago uses this situation to plant his seed of doubt, and tells Othello that Cassio fled when Othello came near. This is what starts Othello’s suspiciousness. Iago is a smart man who knows how to act and what he should say to manipulate the people around him. The character that Iago manipulates the most is Othello. He makes Othello believe that Cassio talks about Desdemona, while he is actually talking about Bianca and his sexual relationship with her. Iago makes up a story that he heard Cassio talking about Desdemona in his sleep. He also tells Othello that he has seen Cassio wipe his brow with Desdemona’s handkerchief. As a result of this, Othello gets livid and really frustrated, and wants to kill both Desdemona and Cassio. This clearly shows how Iago manipulates Othello. Iago is an intelligent character that is strongly talented in improvising and he has a clear feeling for timing. His most important skill is his acting ability. He’s a perfect actor. Although Iago plants his suspicion step by step by lying and by supplying â€Å"evidence† when it is needed, he always pretends to be a moral and loyal friend who everyone can trust. One of his strategies is to let other people make their own conclusions. Iago is smart enough to use other people’s actual weaknesses and to let them draw wrong conclusions themselves. All these strategies and abilities help him manipulate other characters in the play.

Jane Eyre :: essays research papers

From the beginning, Jane possesses a sense of her self-confidence and contentment. Her integrity is continually tested over the course of the novel, and Jane must learn to balance the frequently conflicting aspects of her so as to find contentment. An orphan since early childhood, Jane feels exiled and out of favor at the beginning of the novel, and the cruel treatment she receives from her Aunt Reed and her cousins only worsens her feeling of alienation. Afraid that she will never find a true sense of home or community, Jane feels the need to belong somewhere, to find "kin," or at least "kindred spirits." This desire irritates her equally strong need for independence and free will. In her search for freedom, Jane also struggles with the question of what type of freedom will make her happy. While Rochester initially offers Jane a chance to liberate her passions, Jane comes to realize that such freedom could also mean enslavement—by living as Rochester's mistress, she would be sacrificing her dignity and integrity for the sake of her feelings. St. John Rivers offers Jane another kind of freedom: the freedom to act completely on her ethics. He opens to Jane the possibility of exercising her talents to their fullest by working and living with him in India. Jane eventually realizes, though, that this freedom would also establish a form of imprisonment, because she would be forced to keep her true feelings and her true passions always in check. When she reunites with Rochester, though based on a monetary level, she non-the-less finds herself to be equal to him. It is possible to question Jane Eyre's equality to Rochester on the grounds that Jane only becomes Rochester's full equal when he is physically in poor health and dependent on her to guide him and read to him—in other words, when he is physically incapable of mastering her. However, the thought of Jane finding herself Rochester's equal not because of the physical decline Rochester has suffered but because of the independence that Jane has attained, by coming to know herself more fully, is also possible. Jane Eyre :: essays research papers From the beginning, Jane possesses a sense of her self-confidence and contentment. Her integrity is continually tested over the course of the novel, and Jane must learn to balance the frequently conflicting aspects of her so as to find contentment. An orphan since early childhood, Jane feels exiled and out of favor at the beginning of the novel, and the cruel treatment she receives from her Aunt Reed and her cousins only worsens her feeling of alienation. Afraid that she will never find a true sense of home or community, Jane feels the need to belong somewhere, to find "kin," or at least "kindred spirits." This desire irritates her equally strong need for independence and free will. In her search for freedom, Jane also struggles with the question of what type of freedom will make her happy. While Rochester initially offers Jane a chance to liberate her passions, Jane comes to realize that such freedom could also mean enslavement—by living as Rochester's mistress, she would be sacrificing her dignity and integrity for the sake of her feelings. St. John Rivers offers Jane another kind of freedom: the freedom to act completely on her ethics. He opens to Jane the possibility of exercising her talents to their fullest by working and living with him in India. Jane eventually realizes, though, that this freedom would also establish a form of imprisonment, because she would be forced to keep her true feelings and her true passions always in check. When she reunites with Rochester, though based on a monetary level, she non-the-less finds herself to be equal to him. It is possible to question Jane Eyre's equality to Rochester on the grounds that Jane only becomes Rochester's full equal when he is physically in poor health and dependent on her to guide him and read to him—in other words, when he is physically incapable of mastering her. However, the thought of Jane finding herself Rochester's equal not because of the physical decline Rochester has suffered but because of the independence that Jane has attained, by coming to know herself more fully, is also possible.

Essay --

â€Å"No temptation has seized you except what is common to man. And God is faithful; He will not let you be tempted beyond what you can bear. But when you are tempted, He will also provide a way out so that you can stand up under it.† 1 Corinthians 10:13 Rob & Burgandie Onekea with their two sons Derion (16) and Brandon (13) Rob & Burgandie Onekea with their two sons Derion (16) and Brandon (13) Online purity is a daily battle for many brothers and sisters in Christ. Taking control of your purity is something that is crucial to your spiritual walk with God; indeed, if you are continually losing this struggle, your salvation is at stake. For the Scriptures are forthright, â€Å"But among you there must not be even a hint of sexual immorality, or any kind of impurity or of greed, because these are improper for God’s holy people†¦ For of this you can be sure: No immoral, impure or greedy person – such a man is an idolater – has any inheritance in the Kingdom of Christ and of God.† (Ephesians 5:3-5) Ricardo is moved by his baptism! Ricardo is moved by his baptism! How many of us have been doing great spiritually, when suddenly you receive an email with an inappropriate image inside? Do we easily hit the delete button or are we ensnared the minute that we see the link? David fought a losing battle for purity, as he stood on the rooftop of the palace gazing into the area where Bathsheba was bathing. (2 Samuel 11) David could have chosen to look away, but his sinful desire compelled him to summon her to commit adultery. Sadly, after this affair, Bathsheba told David, â€Å"I am pregnant.† The consequences of David’s sin were many: the death of Uriah the Hittite (Bathsheba’s husband and one of David’s mighty men), the embittering of Ahithophel (Bathsh... ... Net Nanny. Adult websites have a wealth of resources at their disposal, which make it difficult to protect your home from pornography. Therefore, it is key to take things a step further and implement changes on your home computer. We easily spend $60 on the latest version of Halo or taking a family of four to see The Dark Knight, why then the lack of investment for our online purity? Most companies offer trial versions to download for 30 days to see if it works for you. As a brother who is now experiencing the victorious life, I would strongly recommend installing one of these programs. To download a trial version, click here. As our war for online purity continues, let us take up God’s spiritual weapons as well as our modern tools, and fight with everything we have for our salvation, for the salvation of our families and for the salvation of this very lost world.

Effect of Information Technology on the Operations

EJISDC (2002) 10, 2, 1-8 The Effect of Information Technology on the Growth of the Banking Industry in Nigeria P. A. Idowu Dept of Computer Science and Engineering Obafemi Awolowo University Ife-Ife Nigeria A. O. Alu Dept of Management and Accounting Obafemi Awolowo University Ife-Ife Nigeria E. R. Adagunodo Dept of Computer Science and Engineering Obafemi Awolowo University Ife-Ife Nigeria ABSTRACT The advent of Information Technology (IT) is rapidly changing the banking industry. In this study, the impact of IT on the banking industry in Nigeria is described.A questionnaire was employed to collect data from customers at five major banks in Nigeria on the extent to which customers believe that IT exerts an impact on banking services. The results of the study clearly indicate that IT has contributed immensely to the growth of the banking industry in Nigeria. Keywords: Information Technology, Banking, Nigeria. 1. INTRODUCTION A powerful force drives the world towards a converging comm onality, and that force is technology (Levitt, 1992). From the beginning of the human era, technology has been one of the most essential and most important factors for the development of mankind (Coombs et al. , 1987).During the last two hundred years, technological changes have often been related to economic growth in the form of new types of goods and services. Smith (1776) first wrote about technical changes in the form of new machines as one of the three important causes of increasing incomes more than 200 years ago. Information Technology (IT) can be defined as the modern handling of information by electronic means, which involves its access, storage, processing, transportation or transfer and delivery (Ige 1995). Research shows that IT affects financial institutions by easing enquiry, saving time, and improving service delivery (Alu, 2002).IT also provides solutions to the needs of modern societies in health care delivery, library services, education, and communication network s within organizations, etc. Some available telecommunication and information technologies which are presently being used in the banking industry in Nigeria are telephone, facsimile, wireless radiophone, very small aperture terminal satellite (VSAT), telegraphy, and computer systems (Ugwu, 1999). According to Alu (2002), some banks in Nigeria have LANs (Local Area Network) in most of their branches but none of the banks have deployed home banking applications. . BANKING IN NIGERIA As a result of the increased demand for customer deposits, Nigerian banks, especially the new generation banks, have realized the imperative of good and prompt customer service. Also, due to the fact that some customers lost their deposits in the erstwhile technically-insolvent or distressed banks, customers have now become wiser, more discerning, alert and sophisticated with regards to The Electronic Journal on Information Systems in Developing Countries, http://www. ejisdc. org EJISDC (2002) 10, 2, 1-8 2 hoosing where it is safe to put their money, and where they would be served promptly, preferably in a pleasant, courteous and friendly environment. Thus, they have started looking at the level of service and professionalism of the banks before depositing their funds. Proximity to the bank is no longer the issue: safety and the level of service, with regard to quality, speed and efficiency has become the major imperative. On the part of the banks, they have realized that one way in which they can provide quality service is through the use of technology.Hence, there is a growing rate of adopting new technologies in Nigerian banking operations. Moreover, there is growing evidence that customers have started associating quality of service in a bank with the bank’s possession of an online, real-time system. In fact, possession of such a system is now judged to be the sine qua non of a high quality banking service in Nigeria. So, for a bank to be perceived as providing high qualit y service, that bank has to have an IT system, which it uses to deliver services to customers in a more timely, friendly and considerate manner, at no extra cost to the customers.Despite the fact that many of the new generation banks base their marketing strategy on the possession of supposedly on line, real-time systems, they find that their systems’ links are down for about 50 percent of the time. Many customers feel cheated by this reality and complain about the incessant ‘downtimes’. They were promised an online, real-time system, only to find out that the banks’ systems are down at least half the time, and that the national carrier, NITEL (Nigeria Telecommunication), is to blame.Whilst the responsibility of NITEL cannot be denied, many customers still feel that it is the responsibility of the affected banks to take care of these problems, and that they should be given the nationwide, online, real-time banking service they were promised. Faced with thi s dilemma, many banks in the country are resorting to alternative personal solutions by using the Very Small Aperture Terminal (VSAT) satellite systems, for long distance electronic communication. For short distances, the MDS (Metropolitan Digital Services) system is often used.The problem here is that all the banks are trying to procure appropriate VSATs independent of one another. In other words, there is no collaboration between the banks in sourcing this very expensive technology and thereby providing a cost-effective solution to the problem. It would also be fair to say that Nigerian banks are generally imbued with an overly competitive mind -set, which tends to foreclose the benefits of synergy or collaboration in solving most of their common problems. 3. RESEARCH METHODOLOGYIn order to assess the perceptions of banking customers in Nigeria with respect to the quality of banking services, a questionnaire survey was conducted. A ‘grab sampling’ technique was used t o select the customers from the banks. Five commercial banks in Nigeria – Wema Bank Plc, Union Bank of Nigeria Plc, Omega Bank Plc, Cooperative Bank Plc, and Access Bank Plc. – were selected for this sampling on the basis that they have branches in almost all the states in Nigeria and they make use of computers in almost all their branches.The researchers visited the banks during working hours and the questionnaires were given to the customers as they visited the banks. A total of 500 questionnaires were distributed in this way. 260 questionnaires were returned to the researchers, a response rate of 52%. The survey instrument can be found in the Appendix. In addition, the researchers conducted personal interviews with five bank managers and fifteen IT staff in order to gain an appreciation of what types of IT systems and electronic application services The Electronic Journal on Information Systems in Developing Countries, http://www. jisdc. org EJISDC (2002) 10, 2, 1-8 3 were available in the selected banks. The responses were measured with a fivepoint Likert-type rating scale, where Strongly Agree (SA) = 4; Agree (A) = 3; Strongly Disagree (SD) = 2; Disagree (D) = 1; and Neutral (N) = 0, while the scores f r o negative items were reversed. 4. RESULTS AND DISCUSSION Table 1 shows the IT systems that are being used in the selected banks. Telephone, Facsimile, Local Area Network, computer system, MICR (Magnetic Ink Character Recognition), were used in all the banks.Also Wema, Omega and Access banks used Very Small Aperture Terminal (VSAT), Electronic Funds Transfer (EFT), and wireless radiophone. The researchers were able to identify IT devices available in the selected banks from personal interview conducted with the 5 branch managers and 15 IT staff in the banks. Table 1: IT systems and electronic application service in the selected banks Types of IT systems Wema Omega Union Co-op Access Telephone X X X X X Wireless radiophone X X X Facsimile X X X X X Computer X X X X X Electronic Mail VSAT X X XLocal Area Network X X X X X MICR X X X X X EFT X X X 4. 1 Effect of IT on Banking Services The effect of IT on an enquiry on a customer’s state of account, and services enjoyed by the customers from the banks as perceived by the banks’ customers, are shown in Table 2. Out of the 260 respondents, 86. 2% agreed that IT was really helping the bank they patronized, while 90. 8% agreed that IT made the enquiry about the state of their accounts faster. Also, 83. 1% agreed that IT had a great positive impact on the services rendered by the banks.The means of 3. 12, 3. 29 and 3. 07 respectively for the selected banks' respondents confirmed that IT has a positive effect on the enquiry of customers’ state of account and services enjoyed by the customers from the selected banks. Generally, the effects of IT on the enquiry of the customer’s state of account and services enjoyed by the customers from the banks have an appreciable influence on any bank. The use of a LAN and computer systems have ensured quick and improved services delivery to customers by the banks.But it may be important to state that the use and application of these electronic devices are hampered by the inadequacy of infrastructural facilities like power supply. 4. 2 Effects of IT on Customer Services Table 3 shows the response of customers from the banks with respect to the effect of IT on customer services provision. About 66. 5% disagreed that IT had no effect on services rendered by the banks. Also 82. 7% agreed that there is a need to improve on the services rendered by these banks. The means of 2. 77 and 2. 4 respectively confirmed that IT has effects on services rendered by these banks to their customers and about 83% of the respondents agreed that the banks need to improve on the The Electronic Journal on Information Systems in Developing Countries, http://www. ejisdc. org EJISDC (2002) 10, 2, 1-8 4 services rendered to the customers. This shows that the services the banks are offering now are not the best they can offer to their customers and that the banks should improve on these services to their customers. Table 2: Effects of IT on Banking Services Question SD IT/computer is really helping this 2. bank IT makes enquiry about the state 2. 3 of my account faster IT/computer has a great positive 2. 3 impact on the services rendered by this bank D 4. 6 N 6. 9 A 43. 9 SA 42. 3 Mean 3. 12 0 6. 9 36. 6 54. 2 3. 29 4. 6 10 37. 3 45. 8 3. 07 N 9. 7 A 18. 8 SA 5. 0 Mean 2. 77 10. 4 50. 4 32. 3 2. 94 Table 3: Effects of IT on Customer Services Question SD D I don’t think IT has any effect on 34. 6 31. 9 services rendered There is a need to improve the 0 6. 9 services rendered by this bank Table 4: Promptness and efficiency of services as perceived by the customers Question SD DN A SA Mean I enjoy prompt and efficient service 0 16. 2 9. 2 37. 7 36. 9 2. 93 delivery I was once delayed in the bank 16. 5 31. 5 6. 9 32. 7 12. 4 2. 38 because the computer was down IT does not increase prompt and 43. 1 42. 7 4. 6 7. 3 2. 3 3. 17 efficient service delivery 4. 3 Promptness and efficiency of services as perceived by the customers From Table 4, about 75% of the respondents agreed that they enjoyed prompt and efficient service delivery from the banks. The mean of 2. 93 shows that IT enables the banks to provide prompt and efficient services to their customers.Questions 3 and 7 (see Appendix) are similar, but the reaction of the respondents confirmed the conclusion above because about 85% of the respondents agreed that IT has increased prompt and efficient service delivery by the banks. Also, on the issue of delay due to computer down times, only 44. 9% of the respondents agreed that they were once delayed in the bank because the computer was down, though this might be due to the epileptic power supply and inefficient telecommunication infrastructure in Nigeria. The mean of 2. 93 conf irmed that most of the time, customers go to the bank when computers are not down. 4. Influence of IT on patronage as perceived by the customers Table 5 gives responses on the influence of IT on patronage as perceived by the customers. 70% of respondents agreed that based on the efficiency and effectiveness of services rendered, they could encourage their colleagues to patronize the banks they used. Also, 65. 8% of the customers agreed that the banks' use of IT encouraged them to patronize the banks they use. The means of 2. 47 and 2. 52 respectively show that IT encourages customers to patronize the banks. The The Electronic Journal on Information Systems in Developing Countries, http://www. jisdc. org EJISDC (2002) 10, 2, 1-8 5 use of computers, telephone, VSAT, and EFT has contributed immensely to the growth of banking industry. In Nigeria presently, some banks are not making use of IT and those banks are being patronized by few customers, the majority of whom are illiterate and poor. This makes the turnover of these banks low. Table 5: Influence of IT on patronage as perceived by the customers Question SD D N A SA I can encourage my colleagues to 4. 6 5. 0 20. 4 47. 3 22. 7 patronize this bank IT/Computer encourages 2. 3 9. 6 22. 3 32. 7 33. 1 customers to patronize this bankMean 2. 47 2. 52 Table 6: Perception of customers on the ease of conducting banking transactions Question SD D N A SA Mean Saving or withdrawing money is 21. 9 36. 9 7. 3 31. 2 2. 7 2. 63 time consuming IT eases banking transactions 2. 3 2. 3 9. 6 50. 0 35. 8 3. 10 4. 5 Perception of customers on the ease of banking transactions Table 6 above shows that 58. 8% of customers disagreed that saving and withdrawal of money is time consuming. Also, 85. 5% agreed that IT eases banking transactions. The means for questions 6 and 13 (see Appendix) are 2. 63 and 3. 00 respectively. The mean of 2. 3 for question 6 (see Appendix) shows that some respondents agreed that saving and withdrawal of mon ey is time consuming despite the use of IT in those banks. Table 7: Effects of IT on the interaction between cashiers and customers Question SD D N A SA IT has reduced the interaction 15. 0 30. 4 17. 7 27. 3 9. 6 between cashiers and customers Mean 2. 15 4. 6 Effects of IT on the interaction between cashiers and customers Table 7 shows that 36. 9% agreed with the view that IT has reduced the interaction between customers and cashiers, 17. 7% are indifferent to the question and 45. 4% disagreed with the view with a mean of 2. 15. 4. 7Effects of IT on cashiers’ work The rates at which cashiers in the banks attend to their customers depend on the equipment available for the cashiers to work with. From Table 8, 83. 1% agreed that computer speeds up cashiers' work, while 10% disagree and 6. 9% are indifferent. The mean of 3. 12 confirmed that IT/Computer really affect the rates at which cashiers’ attend to their customers. Generally, the use of electronic devices like compu ter telephone, facsimile, etc. will go a long way to increase the speed of the cashiers’ work. Table 8: Effects of IT on cashiers’ work Question SD Computers really speed up 2. 7 cashiers’ work D 7. N 6. 9 A 37. 3 SA 45. 8 The Electronic Journal on Information Systems in Developing Countries, http://www. ejisdc. org Mean 3. 12 EJISDC (2002) 10, 2, 1-8 6 4. 8 IT and bank’s productivity From Table 9, 81. 5% agreed that the use of IT increases bank productivity in that with the use of IT, the bank can attend to a lot of customers since IT speeds up cashiers' work. The mean of 2. 98 shows that IT has a positive effect on the growth and productivity of the banks. There is no bank that can make use of one or combination of two or more of the IT systems listed in Table 1, which will not have effects on the productivity of the bank.Table 9: IT and the productivity of the bank Question SD D IT increases the bank’s productivity 0 4. 6 5. N 13. 8 A 37. 3 SA 4 4. 2 Mean 2. 98 CONCLUSION The study has dealt with the effects of IT as perceived by customers on selected commercial banks in Nigeria, which make use of IT in their operation. The study revealed that IT has appreciable positive effects on the bank productivity, cashiers’ work, banking transaction, bank patronage, bank services delivery, customers services, and bank services.These affect the growth of the banking industry in Nigeria positively because customers can now collect money from any branches of their bank. Also customers do not need to move about with large sums of money, and customers are being attended to within a short period of time. The study also revealed that telephones, computer systems, LANs, and Facsimile services are available in nearly all the banks making using of IT in Nigeria while WANs (Wide Area Network), Electronic File Transfer, and wireless phones are available in some of the banks. This finding confirms Alu’s (2002) claims on the IT devic es available in Nigerian banks.Research has shown also that IT is really helping these banks, so other banks in Nigeria that are not making use of the IT are encouraged to do so. From the study, the major hindrance to the use of IT in the banking industry in Nigeria is inadequate electric power supply. Electricity supply is not regular because of the limitation of the machine that is supplying electricity to Nigeria. Furthermore, the Nigerian government is finding it difficult to equip the NEPA (National Electric Power Authority) while the demand for electricity is increasing daily.Therefore, the situation will continue to worsen until the Nigerian government funds NEPA appropriately. So, for this nation to be effective in the use of IT in the banking industry and to make the banking industry grow in an appropriate way, there is a need for the Nigerian government to find a solution to the epileptic supply of electricity throughout the country, since NEPA is owned by Nigerian governm ent and there is no private company in Nigeria that provides electricity. The Electronic Journal on Information Systems in Developing Countries, http://www. ejisdc. org EJISDC (2002) 10, 2, 1-8 6. 7 REFERENCES Alu, A.O. (2000) Effects of Information Technology on Customer Services in the Banking Industry in Nigeria, M. B. A. Thesis in Management and Accounting, Obafemi Awolowo University, Nigeria. Coombs, R. , Saviotti, P. and Walsh, V. (1987) Economics and Technological Change, Macmillan: London. Ige, O. (1995) Information Technology in a De-regulated Telecommunications Environment, Keynote address, INFOTECH 95. First International Conference on Information Technology Management, Lagos, November 16-17. Levitt, T. (1992) The Globalization of Markets, in: Transnational Management: Text, Cases and Readings in Cross-Border Management.Richard D. Irwin. Smith, Adam (1776): The Wealth of Nations Ugwu, L. O. (1999): Assessment of Impacts of Information Technology on Selected Service Indust ries in South Western Nigeria, MSc. Thesis in technology Management, Obafemi Awolowo University, Nigeria. APPENDIX Dear Respondent, This questionnaire is designed for a research work from the department of Management & Accounting, OAU, Ife. Please, FILL IN correct information, all the information will be treated confidentially and the information will be used for this research work only. Thanks. Please tick [ ] or fill where appropriate.SECTION A 1. Sex : A. MALE [ ] B. FEMALE [ ] 2. Age: A. 18-25 ( ) B. 26-35 ( ) C. 36- 45 ( ) D. 46 & above ( ) 3. Educational qualification: A. WASCE( ) B. OND/NCE( ) C. Bsc/BA( ) D. Msc/PhD( ) E. Others Specify †¦Ã¢â‚¬ ¦. 4. For how long have you been using this bank? A. 0- 2yrs ( ) B. 3-5yrs ( ) C. 6- 8 ( ) D. 9 & above( ) 5. What type of account do you operate? A. Current( ) B. Savings( ) C. Others specify †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 6. My Account here is mainly for A. Business( ) B. Salary( ) C . Others specify †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 7. For how many hours do you spend on queue ? A.Less than1 ( ) B. 1-2 ( ) C. 3-4 ( ) D. 5 & above( ). The Electronic Journal on Information Systems in Developing Countries, http://www. ejisdc. org EJISDC (2002) 10, 2, 1-8 8 SECTION B Strongly Disagree 1. 13. Agree IT increases bank productivity 15. Neutral IT/Computer is really helping this bank I don’t think IT has effect on the bank’s operation I enjoy prompt and efficient service delivery I will encourage my colleagues to patronize this bank IT does not increase prompt and efficient service delivery To save or withdraw money is time consuming I was once delayed in the bank ecause the computer was down IT makes enquiry about the state of my account faster IT/computer has a great positive impact on the growth of this bank IT/Computer has reduced the interaction of the Cashiers with customers IT/Computer encourages customers to patronize this bank Computer really speed up cashiers’ work IT improves transactions 14. Disagree There is a need to improve the services rendered by this bank 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. The Electronic Journal on Information Systems in Developing Countries, http://www. ejisdc. org Strongly Agree