American History - Utopian Movements Essay Example | Topics and Well Written Essays - 750 words

American History - Utopian Movements - Essay Example Several religious and secular Utopian communities arrived in America. Some of the communities include Shakers, Rappites, Oneida community and Brook Farm. According to utopian ideas, a perfect society would have communism. Some of the utopian communities include Mormons; it was established by Joseph Smith in 1830 (Halloway, 1961). Smith advanced the idea of polygamy as part of utopian society. The followers were later prosecuted and murdered. Another Utopian community was Oneida community that was located in New York. The community practiced communism and complex marriages. Every man and woman was free to have sex and accept criticism except Noyes. The society disintegrated when Noyes tried to pass leadership (Halloway, 1961). Another movement was the Shakers that settled in America in 1774. The emphasis was on vegetarianism thus they lived on by farming. The Shakers established eight colonies. They believed in communal ownership of property and religious confession of sins (Halloway, 1961). Members had to adopt children and homes were gender segregated consisting about ten individuals. The Shakers emphasized on celibacy thus the community ended since new members were not coming forth. The Shakers were later associated with most of reform movements like pacifism and abolitionist movements of 19th century. Another group was the New Harmony that was located in Indiana. The community believed in progressive education and community lifestyle. They advanced women equality but the society disintegrated later due to lack of strong central beliefs (Halloway, 1961). Another movement was the Fruitlands that lasted only for six months. It was founded in 1843 by Bronson Alcott. It followed a British reformist model since it forbade free ownership of property. It emphasized on free love and vegetarianism (Halloway, 1961). Children were not supposed to eat meat or use animal products like honey and wool. The movement also prohibited the use of animals for labor. In the farms, the community planted only the crops that grew out of soil so as not to disturb the living organisms under the soil like worms. Most of the members later felt manual labor as inhibiting. Malnourishment due to strict diet of grains made many members to leave. The movement later collapsed in 1844 (Halloway, 1961). Brook Farm was another utopian community based in Massachusetts in 1841, the community strongly advocated for women rights, abolition of slavery and labor rights. The community was based on a 200-acre farm with only four buildings. The community provided free education and residents had to complete 300 days of labor by farming, doing domestic chores and preparing recreational facilities. However, Ripley joined Fourierism movement thus youths had to do the dirty jobs like repairing roads and slaughtering animals. Most of the youths deserted. The community was also infected with smallpox and fire and later collapsed in 1847. Another utopian movement was Pullman’s capit alist utopia. It was founded in 1880s in the town of Pullman by George Pullman. According to Pullman, capitalist was essential in achieving both spiritual and material needs of the community. The employees would receive two paychecks, one for rent and the other for all material needs. There were rigid social classes since experienced employees and managers would live in tenements. Employee grievances and agitation for better pay increased forcing

Impact of the Technological Revolution

Impact of the Technological Revolution 1 INTRODUCTION The role of technological revolution has touched every aspect of peoples lives from shopping to banking. The changes have great impact on services quality and banking activities has enabled the banks to compete in the world markets (Siam 1999-2004, 2006). The banking industry worldwide is witnessing a growing technology driven self-service by way of electronic banking (e-banking) through interacting with customers as a way of increasing productivity. The use of Information Communication Technology (ICT) helps the banks in making strategic decisions by enabling better alignment of business to build better relationship with customers. ICT has enabled banks to provide the following services: Automated Teller Machines (ATM) that have been installed at convenient places for customers to access their accounts anytime. Electronic Data Interchange (EDI) that allows different organisations to exchange transactional, financial and business information between their computer systems. Plastic Cards designed to pay for goods and services without necessarily using cash and also to withdraw cash from ATMs located worldwide. Electronic Clearing Service (ECS) is a facility that allows fund transfer from one bank to another electronically. It can be used for bulk or repetitive transfers either by institutions for dividend distribution, salary, etc. and pension, or by individuals for regular payments to utility, loan repayment, etc. Internet Banking as a channel of Electronic Banking (E-banking) allows the customer to do transactions through the banks web page in a flexible mode, i.e. at anytime and anywhere. The flexibility of E-banking is a major benefit to customers because they are able to access the banking services at the comfort of their homes or offices and no more queuing at banks. For the banking sector, E-banking is a big investment on capital and resource though the initial acquisition of relevant infrastructure, standardisation and security are expensive, especially for small banks in developing countries, but not a big problem for big banks in developed countries. These also have to follow the standard legislative and regulatory issues set within a country to protect customers rights, especially the concerning data protection. 1.1 Background of Study The role of internet has become unavoidable to business and society. Businesses and governments worldwide are always working on how to better utilise the internet in order to increase their penetration into the global market (Khan, Mahapatra Sreekumar (2009). Banking sector has seen the use of Information Technology (IT) a better way of reducing the traditional way of investing and moving along the modern technological changes in order to meet up with the global market. The growing changes in technology bring economical and social consequences on our daily life and these changes brought about the Internet. The Internet provides services like, World Wide Web (WWW), Automated Teller Machines (ATM), Electronic Data Interchange (EDI) and Electronic Funds Transfer (EFT) which are the core business services of E-banking. The banking sector has embarked on internet banking systems to enable their customers to access their accounts globally and in a flexible mode through their websites. Thi s move to internet banking has seen banks reducing long queues as some customers can serve themselves either through the ATMs or through the website, depending on the type of service they want to perform. Though the banking has embarked on internet banking systems, it has not totally abolished the traditional banking activities. This is to allow those customers who need face to face help to still come to banks to get help on whatever activities or services they need either because they do not trust the web or because they are unable to do not know the technology used and fear to make mistakes. Internet is used world wide for different things, some good and some malicious. This then brings in the issue of trust on the part of both the web site owners and users. Some users still prefer to go and queue in the banks because either they do not trust the web services or are unfamiliar with the systems and therefore feel uncomfortable to use e-banking. Trust should be built in order to encourage more customers to use the web site for their banking service needs. Trust can be categorised into tangible and intangible trust. Tangible trust is an implied trust that can be addressed by the use of digital certificates and SSL protocols and service level granularity. On the other hand intangible trust is something that can be formed or reinforced and is subjective, emotional and has a rational component. Trust can build or destroy the organisations reputation. 1.2 Motivation of Study There has been considerable work carried out in the field of e-banking/e-commerce trust (Smith French 2005); (Khalil 2007), however, there was a gap in their knowledge of cultural gap, especially in developing countries like Botswana. The motivation on this research is as follows: The need to show the importance of localisation of e-banking site as e-banking is a new phenomenon in Botswana. To make further studies on cultures of two ethnic groups within the same country as there have been very little research on this area. This is not the case with developed countries as the studies show that there has been localisation of e-banking to suit their target markets (Singer, Baradwaj and Avery 2007). 1.3 Aim The main aim of this research is to examine how the Tswana and Kalanga ethnic groups of Botswana culturally perceive trust on a B2C e-banking website and to design an e-banking website for each ethnic group. 1.4 Objectives The following objectives will be achieved through this study: A research will be carried out on how cultural background influences the trust and use of e-banking services. To relate the findings of the research in the design process of a web sites that suits the culture for Tswana and Kalanga ethnic groups. 1.5 Research Questions The research study aims to test the following key questions: What is the impact of culture on the contents of e-banking site? How does culture affect online trust in e-banking? Is it necessary to consider culture, trust and usability in designing e-banking website? How does Tswana and Kalanga cultural differences affect e-banking? 1.6 Methodology The research employs both primary and secondary data. Primary data will be collected through a structured survey which will be an online. The online survey will be through email where a link will be sent to the respondents in Botswana and UK. This method is chosen because it is flexible in that the respondents answer the questionnaires at their own free time and in a flexible mode of their computers. The other important thing is that it is cheaper to administer and responses are received more quickly and also that if there are any errors in the questionnaire it is easier to correct the errors. 2 E-SERVICES AND CULTURE WHAT IS THE RELATIONSHIP 2.1 E-Commerce and E-Banking The development of Information Technology and the advent of internet have enabled traditional business activities to change into Electronic Commerce (E-commerce). E-commerce is a process that allows businesses and customers (B2C) to exchange goods and services electronically anytime anywhere, and it includes banking, stocks and bonds, retail shopping, movie rentals, etc. E-Commerce has opened a global market where businesses can reach their respective customers quickly and cost effectively (Li et al 2009). For trading to be successful in this virtual world, trust must be considered vital not forgetting culture. E-commerce includes inter-organisational marketing process in which the following relationships are observed: B2B (business to business), B2C (business to consumer), and C2C (consumer to consumer). E-banking sometimes called electronic banking or internet banking is a system that allows people to conduct transactions and manage their accounts without necessarily going to the brick and mortar banks. For customers using internet banking to access their account, they need to have personal accounts at the respective banks websites. For e-banking to be effective, banks should invest on IT infrastructure like Hardware, Software, Networking which include connection to the internet. Automated Teller Machines (ATM) and personal computers have reduced the cost in favour of banks on paper work and labour force since customers use self services offered by banks. However, it should be noted that there are still some people who would want to be served by bank officials either because he/she does not know how to operate the banks system, does not trust it or want face-to-face interaction with bank officials. 2.1.1 Benefits of E-Banking Electronic banking or online banking is the most popular means of e-commerce for millions people worldwide. Most banking products and services are now offered over the Internet. Banks have invested in robust information technology practices and secure-transaction technologies that have made electronic banking trustworthy. This has also created some benefits on e-banking as follows: Convenience and flexibility as the customer is able to pay bills, shop and transfer money from anywhere at any time suitable to the customer as long as the customer has access to a personal computer and internet connectivity. There is no strictness of business hours as the services are available 24 hours every day unlike in the traditional brick and mortar where a customer has to observe working hours. Customers are able to manage their customers as they are able to access their accounts and therefore can cross check their accounts anytime. To the customer the only cost associated with e-banking is the cost of the time spent online which is usually charged by the internet provider. There is also time and money saving as customers do not have to travel distances to their respective banks unless on crucial issues. 2.1.2 Limitations of E-Banking As well as electronic banking have advantages there are some limitations too. Below are some limitations on electronic banking. Some bank websites have too much information that confuses the customers and the customer may feel it is a waste of time as he/she does not get the information that he/she wants and may never bother to visit the website again. The financial needs of the customer may not be quickly be predicted and therefore will take some time to be solved, which is an inconvenience to the customer. Hacking and identity theft are on the rise this calls for a certain amount of trust placed on the banks by electronic banking customers. The system should be able to stand against hacking. There is no Face-to-face interaction in electronic banking and some customers still need this type of service that are observed in a traditional bank to quickly solve or answer customers queries. In case of internet failure the customer is unable to withdraw money from his/her account and unable to even use the ATMs or credit/debit cards. Some banks charge for ATM usage by non-customers, therefore if a customer stays where there is not ATM for his/her bank, then he/she will be charged to using the facility of another bank. 2.1.3 Security and Trust Security issues are a major concern for everybody using internet whether for banking purposes or not. There is an increase of security risks in the banking sector as their systems are exposed to risky environments. Confidentiality, integrity, privacy and availability are the core areas of security that banks and financial institutions must address (Jide Awe 2006). This calls for banks and financial services authority to plan ahead in monitoring and managing the security threats. The security threats are classified in three categories; breaches with serious threats (e.g. fraud), breaches caused by casual hackers (e.g. web sites defacement or services denial (e.g. causes of web sites to crash) and flaws in systems design (e.g. genuine users able to see or use another users accounts). These threats cause serious financial, legal and reputational implications to the banks affected. Banks and financial institutions need to put in place security measures to respond to these threats. The security measures need constant update in order for them to cope with the ever increasing and advanced threats. The banks should also have sufficient staff who have security expertise in order to keep on checking and updating the banks systems. These threats bring in customers lack of trust on the electronic banking that is why some customers prefer to queue at banks to get services that they would have otherwise done through the internet. Trust should be built in order to encourage more customers to use the web site for their banking service needs. McKnight, Cummings and Chervany (1998) define trust as an individuals beliefs about the extent to which a target is likely to behave in a way that is benevolent, competent, honest, or predictable in a situation. Trust can be categorised into tangible and intangible trust. Tangible trust is an implied trust that can be addressed by the use of digital certificates and SSL protocols and service level granularity. On the other hand intangible trust is something that can be formed or reinforced and is subjective, emotional and has a rational component. Trust can build or destroy the organisations reputation. Trust is very important and should be the critical area for each bank to consider because if customers do not trust a bank then the bank will be out of business. Trust on e-banking is crucial because it can make the banks to lose money and popularity if hackers are able to access customers accounts. It can be ensured by putting stringent measures on the banks systems and including in its website the symbols/signs and text that will make the customer aware of the security of the website. Some researchers believe that in electronic cyber consumer trust is more important than in traditional transactions (Kim, Ferrin and Rao 2007). There are signs and symbols that are used in the website that indicate to the customer that the site is trustworthy. These trustworthy signs may be explicit and some implicit (French, Liu Springett 2007). 2.1.4 Cultural Models The world is comprised of people with different cultural backgrounds which justifies their behavioural variation. This variation usually shows the different cultures and values of these people. Culture is something that identifies and differentiates one person from another and it is something that is not inherited or from genes but it is learned. The environment in which a person grows usually determines the persons culture because he/she learns the language, the norms and values of the people with which he/she lives. Hofstede (1991) defines culture as the collection of human mind that distinguish the members of one human group or category of people from those of others. The manifestation of cultural differences is formed through a combination of four characteristics: symbols, heroes, rituals, and values. Rituals are sacred things that must be carried out within a cultural environment. Values are cultural things that are mentally stored as one grows up within the cultural environment. Symbols are things like language, pictures/objects and gestures that depicts meaning understood within the same cultural group. Heroes are people respected and considered to be role models within a cultural environment, however, this changes as the child graduate into adulthood. Cultural differences across the world vary according to ethnic groups and also across geographic boundaries. 2.1.5 Hofstedes Cultural Dimensions Hofstede (1984, 1991) identified the following five cultural dimensions which could be used to compare and measure cultural differences. 2.1.5.1 Power Distance Index Power is not distributed equally among the society. This is indicated by some people having more power than others, eg. some people are born kings, chiefs already having that status even at the very early age as toddlers. These people will be respected from that very early age even in way they are addressed. However, the power distance can be measured differently depending on the difference in society. There are those that are termed as large power distance culture where the subordinates do as told and the superior gives instructions and is the only one who decides what is good for the society or organisation. On the other hand there are those that are termed low power distance where there is consultation between the superior and the subordinates. In this category the superior respects the subordinates and entrust them with important assignments believing that they will be successfully completed. 2.1.5.2 Individualism versus Collectivism In individualism can be classified as nuclear family where each individual act independently, making his/her own choices and decisions. As a member of the nuclear family, the individual has to take care of himself/herself and his/her immediate families. On the other hand collectivism can be classified as patrilineal or matrilineal where people, after being integrated into the society at birth, are looked after by extended families. 2.1.5.3 Masculine versus Femininity Division of roles depend on gender, Men must provide for their families and female must take care of the children and the whole family. The assertiveness of men creates dominance over female on economic life within the family irrespective of whether it is an extended or nuclear family. However, in developed countries there are some variations on gender role pattern that enable females to enrol in courses that were initially designed for men and therefore do jobs that were done by men. In some underdeveloped or developing countries where the gender role pattern still exists, women are barred from doing jobs that are considered to be designed for men and women are also barred from enrolling on courses that are designed for men. This gender role pattern is still strictly followed in some underdeveloped countries where men are said to be head of families and thus gives the men all authority over everything that goes on in the family. Woman in such families do not have any say, they are t old what to do, how and when by their husbands and they are not supposed to question the instructions from men. 2.1.5.4 Uncertainty Avoidance Index (UAI) Most people fear uncertain situations because they cannot predict what might happen in the near future. To minimise this, organisations or societies engage strict laws and rules, safety and security measures, and religious and cultural beliefs to protect their organisations or societies. However, avoidance of uncertainty varies according to cultural differences. In high power distance culture, the boss is the only one to make decisions and the subordinates must strictly follow the bosss instructions. Subordinates expect the supervisors to tell them what to do because they regard each other as unequal. In organisations, this is also indicated by the wide salary gap whereas in societies it is indicated by the prestige given to superiors (e.g. chiefs) by their subordinates (e.g. tribes). In low power distance culture there is respect by supervisors over their subordinates. The supervisors entrust subordinates with important assignments trusting that the work will be done efficiently and if there is something wrong the supervisor will not put the blame on the subordinates, but rather takes it upon himself. The society believes people are equal irrespective of their education, religion or wealth. There is more democracy as subordinates views are sought and taken into consideration when making decisions. 2.1.5.5 Long-Term Orientation versus Short-Term Orientation The long-term orientation versus short-term orientation is a model which came a after Hofstede was convinced by Michael Bond who called this dimension the Confucian dynamism. Values of long-term orientation are more oriented towards future e.g. perseverance and thrift while on the short-term the values are more oriented towards past and present and therefore more static e.g. respect for tradition and reciprocation of greetings, favours and gifts, personal steadiness and stability. 2.1.6 Trompenaars, Hall and Other Cultural Models There are several cultural models most of which overlap into Hofstedes models (Kluckhohn; Trompenaars 2000). Trompenaars developed the below models: 2.1.6.1 Universalism versus Particularism This can be viewed as authority versus consultation. In authority the one who has authority gives instructions and makes decision without the involvement of others whereas in consultation other peoples views are taken into consideration when making decisions. 2.1.6.2 Individualism versus Communicationism Where there is balance between individuals and groups needs. 2.1.6.3 Specific versus Diffuse Relationships Here the business is done on an abstract relationship (contract) or on good personal relationship in order to bring in liking and trust. 2.1.6.4 Neutral versus Affective Communication Styles In this dimension people hide and hold on to their emotions or they show them up in which case they expect some emotional response. 2.1.6.5 Time Orientation Monochromic culture focuses more on performing the task promptly meeting the original plan and prefers to do one task at a time. Polychronic culture tends to e multi-tasking, doing different things at the same time, and emphasis is more on relationship than on tasks. 2.1.7 Halls Cultural Models Hall (1976, 1983) developed the three cultural dimensions in which he describe how people behave. Following are his Cultural Models: 2.1.7.1 Context High Context People are helped by many contextual elements to understand the rules and it is a problem for those who do not understand unwritten rules. Low Context More explanation on rules is done as things are not taken for granted and therefore there is less chance of misunderstanding. 2.1.7.2 Time Monochronic Time is where one thing is done at a time and the concern is achieving the task on schedule. Polychronic Time is where several things are done at the same time (multi-tasking) and here the concern is on relationship and not schedule. 2.1.7.3 Space High Territorial Some people have greater concern for ownership and try to mark their territorial boundaries whether at home, parking space and even in shared offices. Low Territorial People here are not much concerned with ownership of space and for them it less important Hofstede, Trompenaars and Hall did extensive research that enabled them to conduct rankings on countries cultural differences. Hofstede conducted his research on 50 countries whilst Trompenaars conducted his on between 19 and 52 countries though with fewer rankings. Although it does not clearly show whether Hall did any rankings but he did a comparison of cultural dimensions among the French, Americans and Germans. 2.1.8 Tswana Culture Households in the Tswana polities usually take the form of three residential sites: one household in the village, one at agricultural holdings outside the village but not very far from the village (where ploughing takes place) and the last a cattlepost (with kraals for keeping livestock owned by the family). †¢ Power Distance: Tswana tribes greatly respect their elders which is shown especially when the younger ones greet the elders. In Botswana greetings are used to judge somebodys behaviour and greetings are conducted in a certain manner. When greeting an elder, a younger has to stop a bit to show respect and if the younger person is a male wearing a hat, he has to take it off to show respect to the elder. A man also has to take off his hat when getting inside the house as a custom unless the man is a widower. Each Tswana tribe or ethnic group has a Chief (Kgosi) who is helped by paternal uncles and Headmen. The paternal uncles are by virtue of close relationship to the Chief advisors as they are considered to have the royal blood. Kgosis traditional court is called Kgotla, and it is the main customary court within the village where disputes or misunderstandings that could not be solved by Headmen are solved. The Chiefs Kgotla also acts as the Traditional Court of Appeal within th e village, where people who are not satisfied with the Headmens rulings can appeal. Chieftainship is inherited, so for a person to be a chief he/she has to be born from the royal family and not somebody chosen. Most of the Tswana people are Christians as Christianity was brought in Botswana as early as 1845 by a Scotsman named Dr. David Livingstone. The first Christian to be baptized by Dr Livingstone was Chief Sechele of the Bakwena and this was a good sign towards improvement in peoples way of living. For a chief to be a Christian it was easier to convince other chiefs and the people to become Christians. Christianity also contributed a lot to Tswana culture as it reduced the bureaucratic principles where only one person would make decisions for the whole family or tribe and nowadays consultation is the norm. †¢ Individualism versus Collectivism: Collectivism is the norm with the Tswana Culture where somebody has to take care of his/her family and also the extended family like uncles, grandparents, aunts, nephews and nieces. In the olden days class differentiation was very low and mostly invisible because traditionally those who had more cattle would help those who had none by distributing the cattle to those households for management. This helped the families because they would use the cattle to plough with and user their milk to feed their own family. This management of cattle also resulted in people being paid by one cow every six months or every year depending on the agreement between the owner of the cattle and the person taking care of the cattle. However, some people do not want to take the responsibilities of extended families and that is why there are organisations like SOS and other orphanage organisations to take care of orphans and also the government is giving out food r ations on monthly basis to orphans, elderly people and families considered to be very poor. †¢ Masculinity versus femininity: In the traditional Tswana setup masculinity is the norm, roles are distinguished according to gender, and this is clearly visible in traditional ceremonies where men are the only ones to sit on chairs and women sit on mats and also that in meetings men are to speak first and women are to confirm what the men have said. Men were considered heads of the families and therefore their decisions were final and unquestionable. But since the Beijing Declaration and Platform for Action at the Fourth World Conference on Women in 1995 (United Nations World-Wide Web page 1995) and the government of Botswanas emphasis on equality, some jobs/tasks which were considered to be for males only are now considered unisex. At present there are some women chiefs in some Tswana tribes which traditionally the chieftainship was considered to be for men, even if the chief would die only having daughters that meant chieftainship would be given to one of the partenal uncle s or his elder son. By this the chiefs family would have lost the chieftainship inheritance. †¢ Uncertainty avoidance: Tswana ethnic group used to believe in ancestors and most of them liked to consult traditional healers for different illnesses and protection against evil spirits. Since the introduction of Christian religion through Dr David Livingstone in 1843, most people no longer believe in traditional healing. The staple food for Tswana is sorghum or corn meal porridge which is made thinner for breakfast and thicker for lunch and supper eaten with some relish which may be chicken, meat from goat, sheep or cattle (sometimes pounded), caterpillar known as phane and various wild game and vegetables. But these cultures of food have now shifted a bit but are more common in ceremonial occasions like weddings and funerals and also westernised foods are prepared like coleslaw, pumpkin, squash, rice, etc. †¢ Long-term versus Short: Tswana culture used to allow children to go to school only to learn how to read and write. Most female teenagers were taken out of school to go and be married to elderly men as an arranged marriage between the parents without the agreement of the female teenager, but now people find their own partners and marry when they feel they are ready and not pushed. 2.1.9 Kalanga Culture Kalanga tribe is found in the north eastern part of Botswana and some in Zimbabwe, only separated by the border. The Kalanga tribe in Botswana, who are still withholding their culture, are mostly found in different villages within the north east side of Botswana. The Kalanga Language was taught in primary schools until 1972, six years after Botswana gained its independence from the British, and now the Kalanga tribe believe that since the discontinued teaching of Kalanga Language in primary schools their culture has been jeopardised. The staple food for Kalanga is sorghum or corn meal porridge which is always made thick and taken with relish. The relish is comprised of meat (sometimes pounded), caterpillar known as phane and various wild game and vegetables. But these cultures of food have now shifted a bit but are more common in ceremonial occasions like weddings and funerals and also westernised foods are prepared like coleslaw, pumpkin, rice, squash etc. Power Distance: The Kalanga, like the Tswana, have chiefs who look after the tribe. Their ancestral belief is very high even if they still do practise Christianity. This is shown in their annual Dombosaha ceremonies and also in their prayers for rain. Their prayers are conducted at the hill call Domboshaba, where they believe their ancestral god Ngwale is. The word Domboshaba means Red Hill Dombo means hill and shaba means red. Bakalaka treat Domboshaba like the Islam treat Mecca, this means Domboshaba is a holly place for Bakalaka. They believe the ancestors are always watching over the living and if the ancestors become upset they are able to send sickness to the living as a sign of displeasure. According to the Kalanga tribe the spirits displeasure is revealed through illnesses, droughts and other calamities and can be appeased only through worship to Ngwale. Individualism versus Collectivism: The Kalanga tribes are still strictly using collectivism as they look after each other or their extended families. Individualism is avoided as their belief is no man is an island. They emphasise on community care which shows collectivism dimension. Uncertainty avoidance: The Kalanga tribes believe in worshipping their ancestral god called Ngwale and they also believe in pleasing Ngwale to avoid punishment. Their belief is that Ngwale is always looking at them and if he is not happy with them, he will punish them by bringing incurable diseases, droughts and other disasters. Due to these beliefs the Kalanga tribe do not want to anger Ngwale in order to avoid the situations of calamities. They also believe in consulting Ngwale go guide them or help them solve some problems for which they have no control of like when there is not enough rain durin Impact of the Technological Revolution Impact of the Technological Revolution 1 INTRODUCTION The role of technological revolution has touched every aspect of peoples lives from shopping to banking. The changes have great impact on services quality and banking activities has enabled the banks to compete in the world markets (Siam 1999-2004, 2006). The banking industry worldwide is witnessing a growing technology driven self-service by way of electronic banking (e-banking) through interacting with customers as a way of increasing productivity. The use of Information Communication Technology (ICT) helps the banks in making strategic decisions by enabling better alignment of business to build better relationship with customers. ICT has enabled banks to provide the following services: Automated Teller Machines (ATM) that have been installed at convenient places for customers to access their accounts anytime. Electronic Data Interchange (EDI) that allows different organisations to exchange transactional, financial and business information between their computer systems. Plastic Cards designed to pay for goods and services without necessarily using cash and also to withdraw cash from ATMs located worldwide. Electronic Clearing Service (ECS) is a facility that allows fund transfer from one bank to another electronically. It can be used for bulk or repetitive transfers either by institutions for dividend distribution, salary, etc. and pension, or by individuals for regular payments to utility, loan repayment, etc. Internet Banking as a channel of Electronic Banking (E-banking) allows the customer to do transactions through the banks web page in a flexible mode, i.e. at anytime and anywhere. The flexibility of E-banking is a major benefit to customers because they are able to access the banking services at the comfort of their homes or offices and no more queuing at banks. For the banking sector, E-banking is a big investment on capital and resource though the initial acquisition of relevant infrastructure, standardisation and security are expensive, especially for small banks in developing countries, but not a big problem for big banks in developed countries. These also have to follow the standard legislative and regulatory issues set within a country to protect customers rights, especially the concerning data protection. 1.1 Background of Study The role of internet has become unavoidable to business and society. Businesses and governments worldwide are always working on how to better utilise the internet in order to increase their penetration into the global market (Khan, Mahapatra Sreekumar (2009). Banking sector has seen the use of Information Technology (IT) a better way of reducing the traditional way of investing and moving along the modern technological changes in order to meet up with the global market. The growing changes in technology bring economical and social consequences on our daily life and these changes brought about the Internet. The Internet provides services like, World Wide Web (WWW), Automated Teller Machines (ATM), Electronic Data Interchange (EDI) and Electronic Funds Transfer (EFT) which are the core business services of E-banking. The banking sector has embarked on internet banking systems to enable their customers to access their accounts globally and in a flexible mode through their websites. Thi s move to internet banking has seen banks reducing long queues as some customers can serve themselves either through the ATMs or through the website, depending on the type of service they want to perform. Though the banking has embarked on internet banking systems, it has not totally abolished the traditional banking activities. This is to allow those customers who need face to face help to still come to banks to get help on whatever activities or services they need either because they do not trust the web or because they are unable to do not know the technology used and fear to make mistakes. Internet is used world wide for different things, some good and some malicious. This then brings in the issue of trust on the part of both the web site owners and users. Some users still prefer to go and queue in the banks because either they do not trust the web services or are unfamiliar with the systems and therefore feel uncomfortable to use e-banking. Trust should be built in order to encourage more customers to use the web site for their banking service needs. Trust can be categorised into tangible and intangible trust. Tangible trust is an implied trust that can be addressed by the use of digital certificates and SSL protocols and service level granularity. On the other hand intangible trust is something that can be formed or reinforced and is subjective, emotional and has a rational component. Trust can build or destroy the organisations reputation. 1.2 Motivation of Study There has been considerable work carried out in the field of e-banking/e-commerce trust (Smith French 2005); (Khalil 2007), however, there was a gap in their knowledge of cultural gap, especially in developing countries like Botswana. The motivation on this research is as follows: The need to show the importance of localisation of e-banking site as e-banking is a new phenomenon in Botswana. To make further studies on cultures of two ethnic groups within the same country as there have been very little research on this area. This is not the case with developed countries as the studies show that there has been localisation of e-banking to suit their target markets (Singer, Baradwaj and Avery 2007). 1.3 Aim The main aim of this research is to examine how the Tswana and Kalanga ethnic groups of Botswana culturally perceive trust on a B2C e-banking website and to design an e-banking website for each ethnic group. 1.4 Objectives The following objectives will be achieved through this study: A research will be carried out on how cultural background influences the trust and use of e-banking services. To relate the findings of the research in the design process of a web sites that suits the culture for Tswana and Kalanga ethnic groups. 1.5 Research Questions The research study aims to test the following key questions: What is the impact of culture on the contents of e-banking site? How does culture affect online trust in e-banking? Is it necessary to consider culture, trust and usability in designing e-banking website? How does Tswana and Kalanga cultural differences affect e-banking? 1.6 Methodology The research employs both primary and secondary data. Primary data will be collected through a structured survey which will be an online. The online survey will be through email where a link will be sent to the respondents in Botswana and UK. This method is chosen because it is flexible in that the respondents answer the questionnaires at their own free time and in a flexible mode of their computers. The other important thing is that it is cheaper to administer and responses are received more quickly and also that if there are any errors in the questionnaire it is easier to correct the errors. 2 E-SERVICES AND CULTURE WHAT IS THE RELATIONSHIP 2.1 E-Commerce and E-Banking The development of Information Technology and the advent of internet have enabled traditional business activities to change into Electronic Commerce (E-commerce). E-commerce is a process that allows businesses and customers (B2C) to exchange goods and services electronically anytime anywhere, and it includes banking, stocks and bonds, retail shopping, movie rentals, etc. E-Commerce has opened a global market where businesses can reach their respective customers quickly and cost effectively (Li et al 2009). For trading to be successful in this virtual world, trust must be considered vital not forgetting culture. E-commerce includes inter-organisational marketing process in which the following relationships are observed: B2B (business to business), B2C (business to consumer), and C2C (consumer to consumer). E-banking sometimes called electronic banking or internet banking is a system that allows people to conduct transactions and manage their accounts without necessarily going to the brick and mortar banks. For customers using internet banking to access their account, they need to have personal accounts at the respective banks websites. For e-banking to be effective, banks should invest on IT infrastructure like Hardware, Software, Networking which include connection to the internet. Automated Teller Machines (ATM) and personal computers have reduced the cost in favour of banks on paper work and labour force since customers use self services offered by banks. However, it should be noted that there are still some people who would want to be served by bank officials either because he/she does not know how to operate the banks system, does not trust it or want face-to-face interaction with bank officials. 2.1.1 Benefits of E-Banking Electronic banking or online banking is the most popular means of e-commerce for millions people worldwide. Most banking products and services are now offered over the Internet. Banks have invested in robust information technology practices and secure-transaction technologies that have made electronic banking trustworthy. This has also created some benefits on e-banking as follows: Convenience and flexibility as the customer is able to pay bills, shop and transfer money from anywhere at any time suitable to the customer as long as the customer has access to a personal computer and internet connectivity. There is no strictness of business hours as the services are available 24 hours every day unlike in the traditional brick and mortar where a customer has to observe working hours. Customers are able to manage their customers as they are able to access their accounts and therefore can cross check their accounts anytime. To the customer the only cost associated with e-banking is the cost of the time spent online which is usually charged by the internet provider. There is also time and money saving as customers do not have to travel distances to their respective banks unless on crucial issues. 2.1.2 Limitations of E-Banking As well as electronic banking have advantages there are some limitations too. Below are some limitations on electronic banking. Some bank websites have too much information that confuses the customers and the customer may feel it is a waste of time as he/she does not get the information that he/she wants and may never bother to visit the website again. The financial needs of the customer may not be quickly be predicted and therefore will take some time to be solved, which is an inconvenience to the customer. Hacking and identity theft are on the rise this calls for a certain amount of trust placed on the banks by electronic banking customers. The system should be able to stand against hacking. There is no Face-to-face interaction in electronic banking and some customers still need this type of service that are observed in a traditional bank to quickly solve or answer customers queries. In case of internet failure the customer is unable to withdraw money from his/her account and unable to even use the ATMs or credit/debit cards. Some banks charge for ATM usage by non-customers, therefore if a customer stays where there is not ATM for his/her bank, then he/she will be charged to using the facility of another bank. 2.1.3 Security and Trust Security issues are a major concern for everybody using internet whether for banking purposes or not. There is an increase of security risks in the banking sector as their systems are exposed to risky environments. Confidentiality, integrity, privacy and availability are the core areas of security that banks and financial institutions must address (Jide Awe 2006). This calls for banks and financial services authority to plan ahead in monitoring and managing the security threats. The security threats are classified in three categories; breaches with serious threats (e.g. fraud), breaches caused by casual hackers (e.g. web sites defacement or services denial (e.g. causes of web sites to crash) and flaws in systems design (e.g. genuine users able to see or use another users accounts). These threats cause serious financial, legal and reputational implications to the banks affected. Banks and financial institutions need to put in place security measures to respond to these threats. The security measures need constant update in order for them to cope with the ever increasing and advanced threats. The banks should also have sufficient staff who have security expertise in order to keep on checking and updating the banks systems. These threats bring in customers lack of trust on the electronic banking that is why some customers prefer to queue at banks to get services that they would have otherwise done through the internet. Trust should be built in order to encourage more customers to use the web site for their banking service needs. McKnight, Cummings and Chervany (1998) define trust as an individuals beliefs about the extent to which a target is likely to behave in a way that is benevolent, competent, honest, or predictable in a situation. Trust can be categorised into tangible and intangible trust. Tangible trust is an implied trust that can be addressed by the use of digital certificates and SSL protocols and service level granularity. On the other hand intangible trust is something that can be formed or reinforced and is subjective, emotional and has a rational component. Trust can build or destroy the organisations reputation. Trust is very important and should be the critical area for each bank to consider because if customers do not trust a bank then the bank will be out of business. Trust on e-banking is crucial because it can make the banks to lose money and popularity if hackers are able to access customers accounts. It can be ensured by putting stringent measures on the banks systems and including in its website the symbols/signs and text that will make the customer aware of the security of the website. Some researchers believe that in electronic cyber consumer trust is more important than in traditional transactions (Kim, Ferrin and Rao 2007). There are signs and symbols that are used in the website that indicate to the customer that the site is trustworthy. These trustworthy signs may be explicit and some implicit (French, Liu Springett 2007). 2.1.4 Cultural Models The world is comprised of people with different cultural backgrounds which justifies their behavioural variation. This variation usually shows the different cultures and values of these people. Culture is something that identifies and differentiates one person from another and it is something that is not inherited or from genes but it is learned. The environment in which a person grows usually determines the persons culture because he/she learns the language, the norms and values of the people with which he/she lives. Hofstede (1991) defines culture as the collection of human mind that distinguish the members of one human group or category of people from those of others. The manifestation of cultural differences is formed through a combination of four characteristics: symbols, heroes, rituals, and values. Rituals are sacred things that must be carried out within a cultural environment. Values are cultural things that are mentally stored as one grows up within the cultural environment. Symbols are things like language, pictures/objects and gestures that depicts meaning understood within the same cultural group. Heroes are people respected and considered to be role models within a cultural environment, however, this changes as the child graduate into adulthood. Cultural differences across the world vary according to ethnic groups and also across geographic boundaries. 2.1.5 Hofstedes Cultural Dimensions Hofstede (1984, 1991) identified the following five cultural dimensions which could be used to compare and measure cultural differences. 2.1.5.1 Power Distance Index Power is not distributed equally among the society. This is indicated by some people having more power than others, eg. some people are born kings, chiefs already having that status even at the very early age as toddlers. These people will be respected from that very early age even in way they are addressed. However, the power distance can be measured differently depending on the difference in society. There are those that are termed as large power distance culture where the subordinates do as told and the superior gives instructions and is the only one who decides what is good for the society or organisation. On the other hand there are those that are termed low power distance where there is consultation between the superior and the subordinates. In this category the superior respects the subordinates and entrust them with important assignments believing that they will be successfully completed. 2.1.5.2 Individualism versus Collectivism In individualism can be classified as nuclear family where each individual act independently, making his/her own choices and decisions. As a member of the nuclear family, the individual has to take care of himself/herself and his/her immediate families. On the other hand collectivism can be classified as patrilineal or matrilineal where people, after being integrated into the society at birth, are looked after by extended families. 2.1.5.3 Masculine versus Femininity Division of roles depend on gender, Men must provide for their families and female must take care of the children and the whole family. The assertiveness of men creates dominance over female on economic life within the family irrespective of whether it is an extended or nuclear family. However, in developed countries there are some variations on gender role pattern that enable females to enrol in courses that were initially designed for men and therefore do jobs that were done by men. In some underdeveloped or developing countries where the gender role pattern still exists, women are barred from doing jobs that are considered to be designed for men and women are also barred from enrolling on courses that are designed for men. This gender role pattern is still strictly followed in some underdeveloped countries where men are said to be head of families and thus gives the men all authority over everything that goes on in the family. Woman in such families do not have any say, they are t old what to do, how and when by their husbands and they are not supposed to question the instructions from men. 2.1.5.4 Uncertainty Avoidance Index (UAI) Most people fear uncertain situations because they cannot predict what might happen in the near future. To minimise this, organisations or societies engage strict laws and rules, safety and security measures, and religious and cultural beliefs to protect their organisations or societies. However, avoidance of uncertainty varies according to cultural differences. In high power distance culture, the boss is the only one to make decisions and the subordinates must strictly follow the bosss instructions. Subordinates expect the supervisors to tell them what to do because they regard each other as unequal. In organisations, this is also indicated by the wide salary gap whereas in societies it is indicated by the prestige given to superiors (e.g. chiefs) by their subordinates (e.g. tribes). In low power distance culture there is respect by supervisors over their subordinates. The supervisors entrust subordinates with important assignments trusting that the work will be done efficiently and if there is something wrong the supervisor will not put the blame on the subordinates, but rather takes it upon himself. The society believes people are equal irrespective of their education, religion or wealth. There is more democracy as subordinates views are sought and taken into consideration when making decisions. 2.1.5.5 Long-Term Orientation versus Short-Term Orientation The long-term orientation versus short-term orientation is a model which came a after Hofstede was convinced by Michael Bond who called this dimension the Confucian dynamism. Values of long-term orientation are more oriented towards future e.g. perseverance and thrift while on the short-term the values are more oriented towards past and present and therefore more static e.g. respect for tradition and reciprocation of greetings, favours and gifts, personal steadiness and stability. 2.1.6 Trompenaars, Hall and Other Cultural Models There are several cultural models most of which overlap into Hofstedes models (Kluckhohn; Trompenaars 2000). Trompenaars developed the below models: 2.1.6.1 Universalism versus Particularism This can be viewed as authority versus consultation. In authority the one who has authority gives instructions and makes decision without the involvement of others whereas in consultation other peoples views are taken into consideration when making decisions. 2.1.6.2 Individualism versus Communicationism Where there is balance between individuals and groups needs. 2.1.6.3 Specific versus Diffuse Relationships Here the business is done on an abstract relationship (contract) or on good personal relationship in order to bring in liking and trust. 2.1.6.4 Neutral versus Affective Communication Styles In this dimension people hide and hold on to their emotions or they show them up in which case they expect some emotional response. 2.1.6.5 Time Orientation Monochromic culture focuses more on performing the task promptly meeting the original plan and prefers to do one task at a time. Polychronic culture tends to e multi-tasking, doing different things at the same time, and emphasis is more on relationship than on tasks. 2.1.7 Halls Cultural Models Hall (1976, 1983) developed the three cultural dimensions in which he describe how people behave. Following are his Cultural Models: 2.1.7.1 Context High Context People are helped by many contextual elements to understand the rules and it is a problem for those who do not understand unwritten rules. Low Context More explanation on rules is done as things are not taken for granted and therefore there is less chance of misunderstanding. 2.1.7.2 Time Monochronic Time is where one thing is done at a time and the concern is achieving the task on schedule. Polychronic Time is where several things are done at the same time (multi-tasking) and here the concern is on relationship and not schedule. 2.1.7.3 Space High Territorial Some people have greater concern for ownership and try to mark their territorial boundaries whether at home, parking space and even in shared offices. Low Territorial People here are not much concerned with ownership of space and for them it less important Hofstede, Trompenaars and Hall did extensive research that enabled them to conduct rankings on countries cultural differences. Hofstede conducted his research on 50 countries whilst Trompenaars conducted his on between 19 and 52 countries though with fewer rankings. Although it does not clearly show whether Hall did any rankings but he did a comparison of cultural dimensions among the French, Americans and Germans. 2.1.8 Tswana Culture Households in the Tswana polities usually take the form of three residential sites: one household in the village, one at agricultural holdings outside the village but not very far from the village (where ploughing takes place) and the last a cattlepost (with kraals for keeping livestock owned by the family). †¢ Power Distance: Tswana tribes greatly respect their elders which is shown especially when the younger ones greet the elders. In Botswana greetings are used to judge somebodys behaviour and greetings are conducted in a certain manner. When greeting an elder, a younger has to stop a bit to show respect and if the younger person is a male wearing a hat, he has to take it off to show respect to the elder. A man also has to take off his hat when getting inside the house as a custom unless the man is a widower. Each Tswana tribe or ethnic group has a Chief (Kgosi) who is helped by paternal uncles and Headmen. The paternal uncles are by virtue of close relationship to the Chief advisors as they are considered to have the royal blood. Kgosis traditional court is called Kgotla, and it is the main customary court within the village where disputes or misunderstandings that could not be solved by Headmen are solved. The Chiefs Kgotla also acts as the Traditional Court of Appeal within th e village, where people who are not satisfied with the Headmens rulings can appeal. Chieftainship is inherited, so for a person to be a chief he/she has to be born from the royal family and not somebody chosen. Most of the Tswana people are Christians as Christianity was brought in Botswana as early as 1845 by a Scotsman named Dr. David Livingstone. The first Christian to be baptized by Dr Livingstone was Chief Sechele of the Bakwena and this was a good sign towards improvement in peoples way of living. For a chief to be a Christian it was easier to convince other chiefs and the people to become Christians. Christianity also contributed a lot to Tswana culture as it reduced the bureaucratic principles where only one person would make decisions for the whole family or tribe and nowadays consultation is the norm. †¢ Individualism versus Collectivism: Collectivism is the norm with the Tswana Culture where somebody has to take care of his/her family and also the extended family like uncles, grandparents, aunts, nephews and nieces. In the olden days class differentiation was very low and mostly invisible because traditionally those who had more cattle would help those who had none by distributing the cattle to those households for management. This helped the families because they would use the cattle to plough with and user their milk to feed their own family. This management of cattle also resulted in people being paid by one cow every six months or every year depending on the agreement between the owner of the cattle and the person taking care of the cattle. However, some people do not want to take the responsibilities of extended families and that is why there are organisations like SOS and other orphanage organisations to take care of orphans and also the government is giving out food r ations on monthly basis to orphans, elderly people and families considered to be very poor. †¢ Masculinity versus femininity: In the traditional Tswana setup masculinity is the norm, roles are distinguished according to gender, and this is clearly visible in traditional ceremonies where men are the only ones to sit on chairs and women sit on mats and also that in meetings men are to speak first and women are to confirm what the men have said. Men were considered heads of the families and therefore their decisions were final and unquestionable. But since the Beijing Declaration and Platform for Action at the Fourth World Conference on Women in 1995 (United Nations World-Wide Web page 1995) and the government of Botswanas emphasis on equality, some jobs/tasks which were considered to be for males only are now considered unisex. At present there are some women chiefs in some Tswana tribes which traditionally the chieftainship was considered to be for men, even if the chief would die only having daughters that meant chieftainship would be given to one of the partenal uncle s or his elder son. By this the chiefs family would have lost the chieftainship inheritance. †¢ Uncertainty avoidance: Tswana ethnic group used to believe in ancestors and most of them liked to consult traditional healers for different illnesses and protection against evil spirits. Since the introduction of Christian religion through Dr David Livingstone in 1843, most people no longer believe in traditional healing. The staple food for Tswana is sorghum or corn meal porridge which is made thinner for breakfast and thicker for lunch and supper eaten with some relish which may be chicken, meat from goat, sheep or cattle (sometimes pounded), caterpillar known as phane and various wild game and vegetables. But these cultures of food have now shifted a bit but are more common in ceremonial occasions like weddings and funerals and also westernised foods are prepared like coleslaw, pumpkin, squash, rice, etc. †¢ Long-term versus Short: Tswana culture used to allow children to go to school only to learn how to read and write. Most female teenagers were taken out of school to go and be married to elderly men as an arranged marriage between the parents without the agreement of the female teenager, but now people find their own partners and marry when they feel they are ready and not pushed. 2.1.9 Kalanga Culture Kalanga tribe is found in the north eastern part of Botswana and some in Zimbabwe, only separated by the border. The Kalanga tribe in Botswana, who are still withholding their culture, are mostly found in different villages within the north east side of Botswana. The Kalanga Language was taught in primary schools until 1972, six years after Botswana gained its independence from the British, and now the Kalanga tribe believe that since the discontinued teaching of Kalanga Language in primary schools their culture has been jeopardised. The staple food for Kalanga is sorghum or corn meal porridge which is always made thick and taken with relish. The relish is comprised of meat (sometimes pounded), caterpillar known as phane and various wild game and vegetables. But these cultures of food have now shifted a bit but are more common in ceremonial occasions like weddings and funerals and also westernised foods are prepared like coleslaw, pumpkin, rice, squash etc. Power Distance: The Kalanga, like the Tswana, have chiefs who look after the tribe. Their ancestral belief is very high even if they still do practise Christianity. This is shown in their annual Dombosaha ceremonies and also in their prayers for rain. Their prayers are conducted at the hill call Domboshaba, where they believe their ancestral god Ngwale is. The word Domboshaba means Red Hill Dombo means hill and shaba means red. Bakalaka treat Domboshaba like the Islam treat Mecca, this means Domboshaba is a holly place for Bakalaka. They believe the ancestors are always watching over the living and if the ancestors become upset they are able to send sickness to the living as a sign of displeasure. According to the Kalanga tribe the spirits displeasure is revealed through illnesses, droughts and other calamities and can be appeased only through worship to Ngwale. Individualism versus Collectivism: The Kalanga tribes are still strictly using collectivism as they look after each other or their extended families. Individualism is avoided as their belief is no man is an island. They emphasise on community care which shows collectivism dimension. Uncertainty avoidance: The Kalanga tribes believe in worshipping their ancestral god called Ngwale and they also believe in pleasing Ngwale to avoid punishment. Their belief is that Ngwale is always looking at them and if he is not happy with them, he will punish them by bringing incurable diseases, droughts and other disasters. Due to these beliefs the Kalanga tribe do not want to anger Ngwale in order to avoid the situations of calamities. They also believe in consulting Ngwale go guide them or help them solve some problems for which they have no control of like when there is not enough rain durin

Essay --

The Crucible will forever be a classic due to its intriguing story line that is based on a true event. The Salem Witch Trials of 1692 are represented as an adulterous romance turned into a vicious plot for vengeance. The Crucible touches on the horrible fates that led to death of so many innocent people, but Arthur Miller does not portray the entireness of the blood bath that was the Salem witch trials. The once Broadway play, that captured the hearts of millions doesn’t hold justice to the anguish the people of Salem endured. However if his goal was to entertain us, he most definitely succeeded. In Salem, nineteen accused witches were hanged in Gallows Hill, four more died in prison and a lone man was pressed to death when he failed to plead guilty. The Salem Witch trials were an absolute travesty. At one point in February a young girl fell seriously ill, her symptoms cause scientist now to believe that she had a disease called "convulsive ergotism" brought on by â€Å"ingesting rye--eaten as a cereal and as a common ingredient of bread--infected with ergot.† This scientific conclusion explains the child’s chaotic behavior. However in the 1600’s science wasn’t nearly as sophisticated as it is now, and thus when her symptoms were similar to an Irish women in Boston who was suspected of witchcraft, people began to believe the worst. When other playmates began showing the same symptoms, a doctor was brought in to examine the girls. His conclusion was that the problems was of a â€Å"Supernatural Origin†, or in simpler words, witches were targe ting the children. The number of girls showing symptoms continued to grow until it reached seven. Similar to the play â€Å"The girls contorted into grotesque poses, fell down into frozen postures, and comp... ...he entire story of John Proctor the young farmer and Abigail having an affair was only a way for Miller to creatively explain why there was enough hatred for these hangings and torture to occur. When in reality, Abigale never worked for John and they lived quite far apart. John was actually a 60 year old tavern keeper, all making the affair quite unlikely. While the story flowed and managed to capture us with sentiment. It’s impossible to disregard the ability he had to use the language of the time period, making the story come to life in such an authentic manor. His purpose was to entertain and he succeeded, however with a lack of some truths it lost some validity with the more critical readers. On the other hand no one can blame him for doing so, some of the best books, films, plays, or even television shows are grounded on real events and turned into nonfiction.

Ethics and Corporate Responsibility in the Workplace and the World Essay

Abstract This paper will examine the ethics of a pharmaceutical company by the name of PharmaCARE. Stakeholders will be discussed, and the treatment of rank and file workers versus executives will be analyzed. Also the proposed firing of three of PharmaCare’s workers will be debated. Additionally obligations, protection, and whistleblowing opportunities will be examined on behalf of Allen a manager for the company. PharmaCARE’s environmental initiatives will be assessed and compared to their efforts to stop environmental laws and regulations. The Environmental Response, Compensation, and Liability Act ( CERCLA) will be reviewed, and all provisions which apply to the PharmaCARE scenario will be discussed. PharmaCARE is one of the world’s most successful pharmaceutical companies. It has a reputation for producing high quality products that saved millions of lives, and enhance the quality of millions of others. The company sponsors a program that offers free and discounted medication to low income customers. PharmaCARE has many stakeholders. Stakeholders being any one or group owning a significant percentage of a company shares, or a person or group not owning shares in an enterprise but affected by or having interest in its operation.(W.Dictionary) Having established the definition of a stakeholder, one can concur that PharmaCARE has plenty. When identifying the company’s stakeholders the first that come to mind are the investors, shareholders and employees, without these people the company would cease to exist. The secondary stakeholders are the customers, suppliers, communities, clinics, hospitals, and doctors’ offices, all of these groups have an interest or wil l be affected by the operations of PharmaCARE. Established in New Jersey, PharmaCARE owns a substantial manufacturing facility in the African nation of Colberia. The natives of the land are extremely poor and maintain the lowest standard of living. PharmaCARE employs the natives, paying them a measly one dollar a day salary to gather plants and carry up to fifty pounds five miles. The company executives that run the facility on the other hand live in a luxury compound provided by the company. PharmaCARE’s practice of paying people to work for a dollar a day is totally utilitarian. They are getting cheap labor and destroying the land of the natives without even trying to provide a structure to help the people out of poverty, or provide equipment or facilities to help them replenish their land. PharmaCARE is morally corrupt, they have no sense of community when it comes to their bottom line. The executive of PharmaCARE are paid sizable salaries and are treated well. They are provided with facilities that contain all the amen ities. The lower ranking employees are treated as expendables. They are expected to work in unsafe conditions without complaint, or risk the chance of being fired. They are in some cases paid a salary so miniscule that it can be interpreted as modern day slavery. On the surface PharmaCARE looks to be an ethically sound company but when closely evaluated it is utilitarianism at its worst. Allen Jones a manager for the company was appointed to lead a new division created by PharmaCARE called CompCARE. The subsidiary was a way for PharmaCARE to avoid FDA scrutiny concerning the reformulation and selling of their top selling diabetes drug. The company quickly established CompCARE and did a low cost renovation to an office located close to headquarter. The new formulation of the drug was successful for treating Alzheimer and the success of CompCARE grew. As production and working hours increased employees began to fall ill. An employee brought to Allen’s attention that there was mold on the air vents, after contacting his supervisor Allen was told to ignore the fact. An EE by the name of Donna who previously had perfect attendance became so ill that she could no longer report to work because of the mold. So she eventually filed for workers compensation. Tom one of Allen’s best supervisor threaten to file a complaint with OSHA about the air quality at the fac ility because it was so bad. Lastly an EE named Ayesha filed an EEOC (Equal Employment Opportunity Commission) complaint  inferring that she had been looked over for a promotion because she was Muslim. Allen discussed the EE issues with his boss and was told to fire them all. Firing the EEs would not be the best decision for Allen, he has to consider the legal ramifications of his actions. Legally, Allen cannot fire Donna for filing for workers compensation, an EE is protected by law from retaliation for filing a claim. Donna had excellent work evaluations prior to her illness, Allen would have to provide sufficient evidence that firing her was not due to the filing of a workers comp claim. Firing Donna would surely bring an employment discrimination lawsuit against PharmaCARE, it would be wise for Allen to convince his boss to take care of the mold problem in the facility it would save the company money in the long run. Terminating Tom would also bring litigations against PharmaCARE, Tom could allege that he was wrongfully discharged, because he complained about his unsafe working conditions and threaten to inform OSHA (Occupational Safety and Health Commission). Under the Wrongful Discharge from Employment Act one cannot be terminated for reporting a violation of public policy or not for good cause once a probationary period is completed. Tom was Allen’s best supervisor, terminating him would be illegal. Allen needs to persuade his boss to remedy the mold problem at the facility, he needs to explain to him that it is in the best interest of the company. Lastly Allen could legally fire Ayesha, not because of her filing a complaint with EEOC (Equal Employment Opportunities Commission) but for not being able to substantiate the claim. Under the Employment-at- Will Act he can terminate her unless some type of contractual terms are stated or implied in the employer’s handbook. Allen’s managerial status puts him in a unique position, he has direct contact with the executives and daily interactions with the lower level EE. Allen is faced with legal and ethical issues, Allen has been told to allow workers to remain in a hazardous work environment. The air quality of the workplace is dangerous to the health of any one working in the environment. As a manager he has an ethical and legal duty to report the conditions of his jobsite to first his superiors, then to OSHA if no measures are taken to correct the problem. Allen’s boss has made it clear that nothing will be done about the air pollution, so reporting this problem to OSHA would  benefit Allen legally. As a manager Allen was made aware of the problem by an employee, if the employee decides to contact OSHA and inform them that they reported this problem to him he may be fired later for not taking steps to remedy the problem. Once you submit a complaint to OSHA your company cannot retaliate against you, this will protect Allen from getting fired and having legal action taken against him. Allen reporting to OSHA is his best option, his job will be protected and he would have done the right thing for the employees. PharmaCARE had recently announced its â€Å"We Care about Your World† initiative. They started recycling, and made packaging changes, these steps made them seem community friendly. Even as they took on these green initiatives, they lobbied to block environmental efforts that would benefit the greater good of the people. Also they entered poor villages and exploited the people and the land to their benefit with no moral gauge. It seems that PharmaCARE is promoting an image of environmental stewardship when they are actually ethically corrupt. They are misleading the community with their behind the scenes practices. If PharmaCARE is going to portray themselves as an environmentally friendly company than they should assume the responsibility of initiating a green program in all aspects of their productions within reason. Communities will support a company that they believe to care about the interest of the greater good and not just profit. PharmaCARE is jeopardizing their image w ith these unethical practices and if made public the company could possibly suffer an economic loss. Comprehensive Environment Response Compensation and Liability Act (CERCLA) also known as â€Å"Superfund†, was enacted by Congress in 1980. This law created a tax on the chemical and petroleum industries and provided broad Federal authority to respond directly to releases or threatened releases of hazardous substances that may endanger public health or the environment. The law authorized the EPA to identify companies or individuals responsible for hazardous waste contamination and require them to clean it up. If no party could be found responsible for the contamination then money from the superfund would be used for the cleanup. On October 17, 1986 CERCLA was amended to include more detailed provisions to better the process of  enforcing maintaining and cleaning contamination sites. They include increasing State involvement in every phase of the Superfund program, requiring Superfund actions to consider the standards and requirements found in other State and Federal environmental laws and regulations, and stressing the importance of permanent remedies and innovative treatment technologies in cleaning up hazardous waste sites. There are eleven provisions in all, they were added to give the states more authority in the matters of environmental protection, and bring awareness to the actual dangers to human health from hazardous waste. Provisions relating to PharmaCARE are the right to have safe and toxic free working conditions and the power of the state to enforce clean up, also the random site inspections. References Stakeholders. (n.d.) Dictionary.com Unabridged. Retrieved August 11, 2013, from Dictionary.com website OSHA: complying with workplace health and safety laws. (2013). Retrieved from www.nolo.com SARA Overview. (2013). Retrieved from www.epa.gov/superfund/policy Halbert, T., & Ingulli, E. (2012). The duty of loyalty. In M. Staudt & M. Stranz (Eds.), Laws and ethics in the business environment (7th ed.). Mason, Ohio: Cengage Learning

Using Various Protocols That Accurately Reflect The Value...

Using various protocols that accurately reflect the value of a firm by properly determining both the current financial position as well as correctly estimating the future value of current operations and or the benefits and risks of possible business opportunities is much akin to a new scout learning how to whittle. The scout recognizes that there are multiple blades on the knife, yet doesn’t quite know how they are supposed to be used. There are a plethora of approaches to use in financial valuations, and much like the scout, I value the main tools too much and the specialized tools are somewhat confusing to me. Just as the scout knows that wondrous things are possible and is thoroughly convinced that he is capable to do them. The†¦show more content†¦Valuing organizations starts with the financial statements and moves through the current position of the firm into the future forecast of the firm’s position. The financial statements paint a picture of not only how the company is, but how they have performed over the last x-number of years. Factors to look at would be net income, cash and A/R, debt and A/P, current and past sales. These factors start by painting the picture of what has happened up to now within the organization and what they have on hand for future operations. Is net income (profitability) high or low? Is the firm laden with debt of a high accounts payable? Is the firm growing, retrenching, or remaining stable based on sales data. These are the first places that you as a valuator must look. Secondly, you must evaluate the future objectives of the firm. This will also be sourced from within the financial statements, more directly the Performa’s produced by the organization to detail projected revenues over the next number of x- periods. These Performa’s are going to be the crux of this valuation how to assessment. Free cash (Athanassakos, 2009, p. 1) is the economic evaluation of a firm’s ability to maintain after tax flows of cash over time and regardless of product or service. The calculation: starts with EBIT, subtracts out the

The Issue of Racism in America - Free Essay Example

Sample details Pages: 4 Words: 1204 Downloads: 6 Date added: 2019/01/31 Category Society Essay Level High school Topics: Racism in America Essay Did you like this example? The issue of racism is a deep-rooted problem in the world, and over the years, it has morphed into severe discrimination and segregation, forming part of the world history. Racism involves judging and treating others unequally based on their skin color and ethnic origin. Since time immemorial, white people have been known to discriminate against black and other non-white people. Don’t waste time! Our writers will create an original "The Issue of Racism in America" essay for you Create order Slavery increased the racial gap between whites and non-whites when black people were captured and enslaved in white people’s homes and plantations. Since then, white people have always felt superior and therefore discriminated against others such as the African Americans, Hispanics and so on. In the modern world, racism manifests itself in the society at workplaces, schools, churches and all other public sectors. As a result, this issue should be addressed to establish the truth about whether racism is increasing or declining in the United States. According to some scholars, racism is no longer an issue in the American society while others believe that America is still divided largely by racism and racial discrimination. In the United States, racism has always been a grave issue, but the world is working hard to get over that archaic practice. America Still divided by Racism into two unequal societies; by Joseph E. Stiglitz In this article, Joseph interrogates the extent to which racism has manifested itself in the contemporary world†. He says that African Americans are still suffering in a dominantly white society regarding education, employment as well a peaceful coexistence with their white counterparts. I chose this article because it gives a deep insight into the issues of racism that still exist in the world today and their effects on the victims. In public institutions, for instance, white people receive better and quicker services compared to people from other races. The finance sector is particularly said to target African Americans for exploitation by selling them volatile products and charging them high fees for the same products. Wells Fargo Bank ended up being fined hugely by the authorities for having exploited African Americans as well as Latinos by charging them higher interest than their white counterparts. The author says that today, America is paying dearly for racial inequalities and the economy feels the effects of this inequality. The assumption that the power structures in the United States are run primarily by the military forces is a complete fallacy because the Presidency has eroded the country’s soft power (Stigliz, 2018). As time goes by, the situation is worsening, and since President Trump was elected, there is no end in sight to this nightmare. Racism has developed roots in the system such that non-white people are unlikely to get employment in America. An individual’s resume does not matter as much as their skin color and when it comes to hiring and firing, African Americans, Latinos and other people from other races. He, however, concludes by saying that there might be hope for a better future only if people are willing to stand up, they can purpose to transform the society. Racism in America; By Donald W. Shriver The second article by Shriver explains that despite the past having been full of racism and prejudice, the world has changed and racism remains a thing of the past. He explains that the only thing that remains are the scars inflicted on black people by racism. Shriver talks of an actor who only encountered racism upon arrival at the United States and even today, Americans carry with them the scars of this vice. He had previously talked to his friend who was black, and they both acknowledged that they still have the scars of racism, but now, the world has changed. They both looked at racism as a challenge as well as an opportunity for people to move on and realize the value each other. The article shows that racism is heading to an end and it is not as bad as it was in the past. The hopeful difference between people is that some of them learned how to fight and overcome the influences of racism such as members of the Christian community and the church at large. Points of View I chose these two sources because they have an opposing opinion about racism in America. In the first source, racism is said to be at its peak in the United States and continues to manifest itself. In the second article, racism is becoming a thing of the past, and all that remains are the scars from the years of racial discrimination. Similarities exist between these viewpoints such as the fact that both authors agree on the fact that racism is negativity that needs to be addressed in the society. They also concur in the fact that racism has undergone serious metamorphosis and it is not as it was a few years ago. However, in Joseph’s perception, there is an increasing danger brought about by racism, and the American society remains divided nonetheless. The white people who perceive themselves as a superior race deny their non-white counterparts the opportunity to access equality. On the other hand, Shriver believes that shortly, everyone will be able to deal with racism and the only thing remaining would be the previous scars. Racism in America can be dealt with, (Shiver, 2018) and there is no need to worry about people getting discriminated . If Joseph could speak to Shriver, he would explain that the dynamics of the society dictate interpersonal relationships and racism is one of them. Contrastingly, Shriver would argue that the society has already outgrown the era of racism and that everyone is capable of dealing with the situation. The differences between their points of view include the fact that Joseph addresses the situation from a social perspective while Shriver uses an individualistic approach. According to Joseph, the whole society is doomed while Shriver claims that the individuals can work things out and eliminate racism and its effects. In conclusion, racism remains a calamity in the modern world, and as time goes by, there is a need for change and individuals must perform. According to Joseph, the American society has fully embraced racism, and as a result, most of the public sectors and their service delivery is influenced by race. African Americans do not enjoy equal rights as the rest because they are black and the whole society is divided into two groups. On the other hand, Shriver believes that racism is almost over and if people could be responsible, the world would be a better place. I do agree with the fact that racism is a problem and it is so deep-rooted in the American society that there is no quick solution in sight. Joseph gives a true and clear account of the reality on the ground because looking at the modern society, it is clear that there may not be an end in sight for racism in America. I would like to challenge the government and the media to propagate equality by passing legislative measures aga inst racist people. In most cases, the media plays a huge role in propagating racism, and for that reason, there is a need to change the type of communication passed to the public on racism.

It Doesn t Matter By Nicholas Carr - 1696 Words

Introduction Nicholas G. Carr initiated a discussion about the strategic importance of IT spending of companies in his Article IT Doesn t Matter published in Harvard business review, 2003. He advises to reduce the spending on IT infrastructure by arguing the fact that IT become commodity rather than a strategic advantage. Diminishing strategic advantage of the IT as explained by Nicholas Carr is not a broad view of the topic and Author has limited the scope of IT with mostly hardware part and not discussed the various advantages a firm can gain with use of information technology in a whole. Summary Author suggests that 1. business corporations should spend less on the IT infrastructure 2. delay investment on the IT capital, to wait and learn from the mistake of competitors 3. evaluate the risks associated with the implementation of IT infrastructure. Author argues that IT is no more a strategic advantage and is similar to other commodity which is assessable to each and every one at market place. Author has provided the details of it spending and financial outcome of the industry. Here we need to understand that financial out come from an IT investment cannot be expected immediately or in the same financial year. First of all, capital goods are very different from the information good. Business benefitted from the Information technology not only based on the how much they spent on the IT rater than how their IT operations are aligned with theirShow MoreRelatedIt Doesn t Matter By Nicholas Carr754 Words   |  4 PagesNicholas G. Carr initiated a discussion about the strategic importance of IT spending of companies in his Article IT Doesn t Matter published in Harward business review , 2003. He also advises to reduce the spending on IT infrastruc ture by arguing the fact that IT become commodity rather than a strategic advantage. Diminishing strategic advantage of the IT as explained by Nicholas Carr is not a broad view of the topic and Author has limited the scope of IT with mostly hardware part and not discussedRead MoreHow Google Really Making Us Stupid?961 Words   |  4 Pagesmore. I can honestly say that everyone i know has either been on the internet or used google reason being its one of the most go to quick fix for anything. It just makes life easier and that doesn t necessarily mean easy is the best option, but it helps advance in what we need. In the article Nicholas Carr gives his point of view on how the internet is not only becoming a custom for everyone in the world, but also making us lose a sight of reading â€Å"It is clear that users are not reading onlineRead MoreAssistant6067 Words   |  25 PagesVIEW: THE â€Å"IT DOESN’T MATTER† DEBATE Larry DeJarnett The Lamar Group larry.dejarnett@thelamargroup.com Robert Laskey Revelation 360 bob@revelation360.com H. Edgar Trainor Paramount Pictures ed.trainor@paramount.com EDITOR’S FOREWORD This article differs from all the articles CAIS published previously in that it is a debate on the nature of IT written by practitioners from three different points of view. It deals with IT Doesn’t Matter, a polemic written by Nicholas Carr, then editor of the HarvardRead MoreTechnology Has A Better Or For The Worse?1326 Words   |  6 Pagesdownfalls--which are arguably more significant than the advantages. Has technology evolved for the better or for the worse? Most would have trouble answering this question. In most high-income countries, it is extremely hard to find somebody who doesn t own a cell phone or a computer--almost every student has both. This constant exposure has, arguably, negatively affected many people, especially on the way we socialize throughout our lives. It is very important to acquire good social skills, itRead MoreComputers Can t Do Creative Thought? Essay1231 Words   |  5 Pages In a smartphone is the capacity to access the entirety of human knowledge and thought by way of the search engine. The human mind is changing, for the better and for the worse. With access to such powerful technology we don t need to exercise our brain as much; we don t need to remember all the little facts. However, it also means that we have more capacity for deeper thought. We can let the technology take care of factual knowledge, and we can use our minds for what computers can’t do: creativeRead MoreEmergence of Information Economy2722 Words   |  11 Pageschanges, all in response to growing competition and necessity to be different. The strategic implications IT has had for managers in organizations are extensive, â€Å"as companies have come to view it as a resource ever more critical to their success.†(Carr 2003:5) It is challenging to understand the strategic implications information technology has had on organizations, its role in businesses being contextually relative depending on type, size of org anizations. However, some trends have emerged, allowing