Self evaluation Assignment Example | Topics and Well Written Essays - 1000 words

Self evaluation - Assignment Example In the Critique of Practical Reason (2012), the philosopher considers the categorical imperative as an â€Å"act in such a way that the maxim of your will can always simultaneously hold as a principle of a universal legislation.† Another formulation can be found in his work titled The Groundwork of the Metaphysic of Morals (2011): â€Å"You use humanity, whether in your own persona or in the person of any other, always at the same time as an end, never merely as a means.† Kant believed that the categorical imperative is an obligatory law. All people should follow it regardless of their nationality, wealth, etc. Universality and strict adherence were the two main characteristics of the categorical imperative. Compliance with the categorical imperative is the highest human duty. Despite the humanistic nature of this idea, it might be dangerous, because in some cases, blind adherence to this principle can lead to tragic consequences. In this regard, I am a supporter of con sequentialism in the form of the theory of utilitarianism. Utilitarianism is based on the â€Å"the claim that an act is morally right if and only if that act maximizes the good† (Sinnott-Armstrong, 2011). In other words, attention is paid to the consequences of human actions to a large number of people. I believe that utilitarianism can be used both in social processes, and in business and professional environment. The theory of utilitarianism received its main development in John Stuart Mill’s ideas. Mill considered morality in its connection with the human’s ultimate goal, aimed at satisfying all human desires (Wilson, 2007). Happiness presented in a form of benefit was seen by Mill as a long-term pleasure. However, utilitarianism protested against the theory of egoism, based on the idea that people should strive to meet only their personal desires. The admissibility of pleasure or benefit is determined by their level of

In botany, a tree is a plant with an elongated stem Essay Example for Free

In botany, a tree is a plant with an elongated stem Essay In some usages, the definition of a tree may be narrower, including only woody plants, only plants that are usable as lumber, only plants above a specified height or only perennial species. At its broadest, trees include the taller palms, the tree ferns, bananas and bamboo. A tree typically has many secondary branches supported clear of the ground by the trunk. This trunk typically contains woody tissue for strength, and vascular tissue to carry materials from one part of the tree to another. For most trees it is surrounded by a layer of bark which serves as a protective barrier. Below the ground, the roots branch and spread out widely; they serve to anchor the tree and extract moisture and nutrients from the soil. Above ground, the branches divide into smaller branches and shoots. The shoots typically bear leaves, which capture light energy and convert it into chemical energy by photosynthesis, providing the food needed by the tree for its growth and development. Flowers and fruit may also be present, but some trees such as conifers instead have pollen cones and seed cones, and others such as tree ferns produce spores instead. Trees tend to be long-lived,[1] some reaching several thousand years old. The tallest known specimen on Earth is 115.6 m (379 ft) and they have a theoretical maximum height of 130 m (426 ft).[2] Trees have been in existence on the Earth for 370 million years. Trees are not a taxonomic group but are a number of plant species that have independently evolved a woody trunk and branches as a way to tower above other plants and make full use of the sunlight. Trees play a significant role in reducing erosion and moderating the climate. They remove carbon dioxide from the atmosphere and store large quantities of carbon in their tissues. Trees and forests provide a habitat for many species of animals and plants. Tropical rainforests are one of the most biodiverse habitats in the world. Trees provide shade and shelter, timber for construction, fuel for cooking and heating, and fruit for food as well as having many other uses. In parts of the world, forests are shrinking as trees are cleared to increase the amount of land available for agriculture. Because of their longevity and usefulness, trees have always been revered and they play a role in many of the worlds mythologies.

Methods of Data Collection

Methods of Data Collection 1. INTRODUCTION This report consists of how data are collected and what are the methods to collect data for research. To improve a research better one or for more learning of particular thing which is to be analyzed. In this report a brief study of method of collecting data by primary data and secondary data with their classifications will be observed. 2. Methods of collecting primary data OBSERVATION QUESTIONNAIRE SEMI-STRUCTURED AND IN-DEPTH INTERVIEW. 2.1 OBSERVATION Observation means finding what people do, what they need, etc†¦ It combines of recording, describing, analysis and interpretation of people behavior. Observation are two different types, PARTICIPANT OBSERVATION. In participant observation researcher will involve with subject activities and live and being a member of group. E.g. .all documentary films are all of this kind. This type roles are: Complete participant Complete observer Observer as participant Participant as observer. Graphical representation of participant observation researcher roles Participant as observer complete participant Observer as participant complete observer STRUCTURED OBSERVATION. As the heading its self describes about what kind of observation are done in it. It’s a structured way of dealing data collection method, which involves in high level of predetermined structured .It form only some part of data collection. Ex: A daily attendance sheet, planning sheet. 2.2 SEMI STRUCTURED AND IN-DEPTH INTERVIEWS It involves in interviewing a person or on group. Where interview are classified into structured, semi-structured, unstructured interviews. In structured interviews a format of question are followed for some particular criteria to be handled, which consists of standard questions. For semi-structured interviews it is based on optioning the customer to select their preferred section of questions. Whereas unstructured interviews deals with in depth involvement in a particular or interested area. Interviews are done by face to face and group interviews. Face to face interviews can figure out a person behavior, but group interview show how groups are mingled together and how they differ one another. HOW CAN THESE TYPE OF INTERVIEWS ARE USEFUL IN RESEARCH 2.3 QUESTIONNARIE It is a general way of collecting data, in which person is asked to answer for same set of questions in order. It is very easy to ask question for some study or research. Most of the research use questionnaire as their weapon for collecting information. This can be involved in individual level so sampling size also be larger one. An interesting one in questionnaire is modes of responding to it. Telephonic survey. Mail (postal) survey. E-mail survey. QUESTIONNARIE SELECTION CHART 2.3.1 Telephonic survey It is a common method followed where researcher and respondent are unknown. So limited data are collected from this method. Due to limitations it restrict questionnaire format to smaller one. Question must be easier for respondent to answer quickly. Question must not be longer one which consume more time. To handle this survey a trained person must be interviewing. Answers to question can be entered directly on an excel-sheet to save time. 2.3.2 Mail (postal) survey It is average form of survey where respondent and questionnaire cannot contact directly and without any interaction. Questioner should be preplanned about design and structure of question to be framed in such a way that respondent could answer it without neglecting any question. Questions must be in an order like easy, average, difficult, which can earn a valuable survey. Time are more valued in surveys. 2.3.3 E-mail survey E-mail survey are most popular survey where people are gather through internet. It can be performed in two way by e-mailing or using online survey. Just as mail an e-mail can be sent to respondent for answering but they may not reply for it, due to some reasons. Online survey are better because they answer then and there so data are collected faster than mailing. Today html pages are used to frame survey questions. And exciting one for survey is Google forms which are much useful for researcher to get job done. 3. METHODS OF COLLECTING SECONDARY DATA Collecting secondary data involves in finding publications, project and research reports, ERP/data warehouse and mining, internet/web for your necessary of research details. 3.1 PUBLICATIONS It refers to printed media like newspapers, textbooks, magazines, journals and reports. These are otherwise known as reference material, which contains wide source of data. Researchers follow secondary data as their first priority than primary data because it will lead them to a proper or complete view of research for their respective topics. As every publications have topic specified to itself, researchers can find easily the source of topic in a systematic manner. To search these publications proper guide lines also required. 3.2 ERP/DATAWAREHOUSES AND MINING For every organization ERP are implemented to gather information about finance, commercial, accounts, production, marketing, RD etc†¦ How do ERP helps in research, since it has data stored day by day, months and yearly basis to compute as integrated one. Researcher of different phenomenon can easily track those information by authorized person of such organization for their data collection. ERP has different sectors combined for example if a researcher form financial sector comes to verify how organization development in that particular sector, he/she can collect information from ERP. Mostly these data are considered as primary data. Data warehouses are secondary data, where large amount of data are stored. These data cannot be analyzed manually. So software for analyzing it is Data Mining Software, this will segregate all kinds of data and use statistical techniques to analyze data. Some techniques used by this software are variance analysis, cluster analysis, factor analysis, etc. It is a statistical and information technologies software. To create these software so of vendors of it are, excel miner, SPSS, SAS and SYSSTAT. Data mining is automated process where some features are selected by user. 3.3 Internet/web Most basic way collecting secondary data is to search through web. As we know internet search topic and words related thing easily and fast where surplus amount of data are founded in thousands of websites all over the world. It includes all e-textbooks, journals, government reports. To search our results through internet search are provided those are GOOGLE, YAHOO, etc. all these search engines can show several sites but one must choose correct data related to topic of research involves. Most popular website for collecting data are Wikipedia for researcher, where note of particular topic are gives with reference site to get detailed study about research topics. SOME OF THE IMPORTANT WEBSITES 4. conclusion From the given information we know about what are primary data and secondary data and how to collect those data from various resources. Research must be valuable one so data collection must be done enormously to predict correct result of analysis. Secondary data can be added in research reports but there must be some data which show your involvement in research process. Research is an endless process because as time changes strategy of reports containing details also vary due to respondent are not same in nature. A research about a topic gives overview, detailed and explanation according to research types. At last collection of data are most important for research because it act as proof or evidence of your valuable reports. Table of Contents PG NO INTRODUCTION 1 METHODS OF COLLECTING PRIMARY DATA 1 OBSERVATION 1 2.1.1 PARTICIPANT OBSERVATION 2.1.2 STRUCTURED OBSERVATION 2 2.2 SEMI STRUCTURED AND INDEPTH INTERVIEWS 3 2.3 QUESTIONNARIE 4 2.3.1 TELEPHONIC SURVEY 5 2.3.2 POSTAL SURVEY 5 2.3.3 E-MAIL SURVEY 5 METHODS OF COLLECTING SECONDARY DATA 6 PUBLICATIONS 6 ERP/DATA WAREHOUSES AND MINING 6 INTERNET/WEB 7 CONCLUSION 8 REFERENCES PEARSON EDUCATION/ THIRD EDITION/ RESEARCH METHODS FOR BUSINESS STUDENTS/ Mark Saunders/Philip Lewis/Adrian Thorn hill SAGE PUBLICATIONS/ESSENTIALS OF BUSINESS RESEARCH/ Jonathan Wilson. TATA McGraw HILL/STATISTICS FOR MANAGEMENT/ G.C.BERI.

String Theory :: essays research papers

INTRODUCTION This document is for persons who have received their graduate degree in theoretical physics and are looking to make their way into the concentration of superstring theory, and what postgraduate mathematics courses are required to do so. Supersting theory is one of the latest forms of theoretical physics and a popular topic with today’s society. However, because of the highly advanced nature of the mathematics involved with Supersting theory, two postgraduate forms of mathematics are required in order to be on the leading edge of work in this field. These are Noncommutative Geometry and K-theory. FINDINGS STRING THEORY Superstring theory is an attempt by humans to model the four fundamental forces of physics as vibrations of tiny supersymmetric strings. Superstring theory seems the most likely to lead to theories of quantum gravity, an attempt to explain gravity’s relatively weak force when compared to the other forces of physics (â€Å"Quantum gravity†, nd). Superstring theory is also "supersymmetric string theory." It is referred to as this because unlike bosonic string theory, the original form of string theory (Bosonic string theory, nd), it is the version of the theory that incorporates fermions, particles that form totally antisymmetric composite quantum states (Fermions, nd), and supersymmetry, which link bosons and fermions (â€Å"Supersymmetry†, nd; â€Å"Superstring theory†, nd) As of now, the main goal of theoretical physics is to explain how gravity relates to the other three fundamental forces of natural physics. However with as with every quantum field theory, there are infinite probabilities that result from the calculations. Unlike electromagnetic force, strong nuclear force, and weak nuclear force, physicists have not been able to find a mathematical technique that eliminates these infinities (â€Å"Superstring theory†, nd). Therefore, the quantum theory of gravity must be developed by a different means than those used for the other forces. Superstring theory dictates that the base of all that is real would be tiny vibrating strings the size of a plank’s length. The proposed messenger particle for gravitational force, a graviton is predicted by the theory to be a string with wave amplitude zero. Another insight the theory provides is that â€Å"no measurable differences can be detected between strings that wrap around dimensions smaller than themselves and those that move along larger dimensions (i.e., effects in a dimension of size R equal those whose size is 1/R)† (Superstring theory, nd para 3). This is true because according to currant theory, a universe could never become smaller than a string.

Inspiration

However, security, trust and convenience are among the major contending factors affecting the adoption of e-payment systems in Nigeria. This paper presents issues on the factors necessary to facilitate the development of PEPS Niger a and devise ways to enhance its adoption by users. Keywords: electronic payment system, e-money, and e-payment, Internet. 1. Introduction The worldwide proliferation of the Internet has led to the recent birth of electronic payment system : a payment service solution-software that enables monetary value to be transferred digitally.Today, electronic payment system s flourishing due to the openness, speed, anonymity, digitization, and global accessibility characteristics of the Internet [1 2], which has facilitated real-time payment transactions and the r business activities. In this paper, we considered some critical examinations on the existing payment structure in Nigeria. AY so reviewed, was different related literatures on e-payment system, and data fr om research reports. T chemical Journals, newspapers, and magazines were likewise examined.. 2.A Brief Review of the General Payment System in Nigeria In a country like Nigeria, where almost eighty percent of TTS population rely on physical cash rather than electronic payment, it is not so simple Just for people and employers of labor, to consider and decide on the basis of cost and benefit of using e-payment systems [2]. In the course of preparing this research, we had the opportunity of visiting few/remote places to find out the perception of the people about electronic money. It was observed that most people have no common knowledge about the Internet, let alone the existence of e-payments.People are quite far from all the CIT developments take Eng place in banking. What people know about banking is the use of physical cash for opposite and payment, but not electronic payments. The existing structure of the Nigerian payment system is fully based on traditional payment instruments of cash and cheeses [18]. Even for large-value payments, like sale and purchase of land and building, people prefer physical cash rather than receiving any other form of payment. This also applies to the general popular Zion. In businesses, people prefer using cheeses and drafts.Thus, Apex Bank (Central Bank of Nigeria – CAB) operates a clearing house, with many network centers for performing queue clearing throughout the country. The clearing house renders revives to the member banks and financial institutions only. Generally, all the banks and financial institutions are members of the clearing house. 2. 1 Electronic Payment Initiative in Nigeria Electronic Payment initiative began recently in Nigeria. Not all the banks and FL uncial institutions are participating in the e-payment system [11]. Although to date, most of the commercial I banks have engaged in providing some form of e-banking services.It is to be noted that not all of these institutions extend their e- banking facilities to their entire branch network. The e- payment services are mostly provided in the capital city ND some bigger cities nationwide. As mentioned, the e-payment facilities available in Nigeria are Automated Teller Machine (ATM) service, debit card, credit card, mobile banking and Internet banking [5]. Intertwines Nigeria Ltd provides the switching and settlement facilities for trans actions performed on ATM; and transact Nigh. Ltd provides mobile e-payment solutions switching and service provider.Banks purchased their software from different vendors to provide all these services to their customers. Authenticity, inter-operability, validity and confidence solely depend on the supplier of hat software [3]. However, the central bank of Nigeria and the supervisory authority of the Nigerian financial system, has thus initiated steps towards the regulation of electronic payment cyst ms in Nigeria [2]. Electronic payment system has also experienced a lot of setback in recent years due to limited availability of ATM services [5].These machines are only made available to few bank branches and clients, while the demand for the card is higher than the services provided. Infrastructure and Information Technology (IT) constraints also contributed to some of the setbacks experienced (such as: gig cost of internet connectivity, energy challenges, banks not fully automated, banks not ready for electronic payment services, and contentedness of people with the existing system because of lack of awareness on the benefit of the new technology [11]. CICS. Reapers/locals-9-2-1-462-467. Dif Facilitating the adoption of e-payment systems: theoretical constructs and empirical analysis Document Information: Title: analysis Author(s): Gives Г ¶azans, (Middle East Technical University, Ankara, Turkey), Guyana Binaural, (Brunet University, Submerged, I-J), Ray Hackney, (Brunet University, Submerged, I-J) Citation: Gives Г ¶azans, Guyana Binaural, Ray Hackney, (2010) à ¢â‚¬Å"Facilitating the adoption of e- payment systems: theoretical constructs and empirical analysis†, Journal of Enterprise Information Management, Volvo. 23 Sis: 3, up. 05 – 325 Keywords: Electronic commerce, Payments, Risk, Trust Article type: Research paper DOE 10. 1108/17410391011036085 (Permanent URL) Publisher: Emerald Group Publishing Limited Abstract: Purpose – The emergence of online transactions, enabled through internet media, has led to an increase in the availability of electronic payment (e-payment) systems. This research aims to investigate, through theoretical constructs (technology acceptance model, theory of reasoned action) and an empirical analysis, the critical factors that may ensure consumer adoption of these facilities.Design/methodology/ approach – This research study mainly uses the deductive approach to consider secondary sources and primary data, where hypotheses have been developed in order to demonstrate the findings. An init ial literature review revealed six issues that are considered critical for e-payment considerations. An anonymous and self- administered survey based on the research model was developed and e-mailed to he respondents. A total of 1 55 questionnaires were coded and analyses using SAPS to analyses the hypotheses.Advances in information technology and changes in laws, institutions and regulations in some countries have encouraged the emergence of new payment instruments as well as the delivery and processing arrangements for small and large value, time critical payments. With e commerce now in the mainstream of economic activities, we can therefore expect more major changes in the payment systems worldwide in the next five years than we have in the last five decades. Obviously, the e Philippines cannot escape from this sea change.This paper discusses key operational concepts involved in a payment system and describes the emerging payment systems in industrialized countries. This gives d eveloping countries, like the Philippines, a preview of the likely evolution of their payment systems in the next few years as they deepen the integration of their economies with the rest of the world. The paper gives a detailed description of the existing payment system in the Philippines and disc uses innovations in payments media, especially noncoms payment instruments, and facilities for the clearing and settlement of payments.Areas for improving the efficiency and reducing risks in existing payment system have been identified. Developments in the payment system have implications for the conduct of monetary policy. The second to the last section of this paper, therefore, deals with this issue. In particular, it discusses specific payment system innovations, such as the switch to ARTS system m and use of electronic payments media, that can enhance or attenuate the effectiveness of traditional monetary tools. The last section presents some recommendations.Key words: payment system ; electronic payment system; credit transfer; debit transfer; electronic money; transmission mechanism; seignior; queue clearing. President, Philippine Institute for Development Studies (PITS). The author wishes to thank Dry. Vaccine Alden's, Jar. , member of the Monetary Board, and Mr.. Francisco P. Yap, Jar. , President of the Philippine Clearing House Corporation, for their insightful comments on the first draft of this paper. Thanks are also due to Mr.. Gill Olivarez Lime, Mr.. Francis vela, Mr.. Jerome A. Archangel, Mr.. Alton Offering, Ms. Carlisle Scintilla, and Mr..Joel A. Ramose for sharing their insights on how the payment system in the Philippines operates. The author s grateful to Ms. Sharon Theta Vital, Ms. Merle Galvan and Ms. Juanita Deletion for their excellent assistance in preparing this paper. The usual disclaimer applies. 2 INTRODUCTION It is commonly known that a country's infrastructure system determines to a large extent the efficiency of the economy. In a mod ern economy, the payment system I s a major component of the country's infrastructure system. Indeed, no country nowadays can afford to take its payment system for granted.Firms pay wages to their employees and purchase raw materials from their suppliers. In turn, they receive payments for the sale of their rodents and services. Consumers make payment transactions several times in a day. Needless to say, value is transferred among participants in the economy every minute of the day, and it increases as the economy grows. The country ‘s payment system, therefore, must be efficient so that funds can quickly move among market participants for productive use, thereby promoting more activities in the economy. According to Humphrey et al. 2000), the resource cost of a nation's payment sys tem can account for 3 percent of its GAP. Modernizing a country's payment system can certainly reduce that resource cost. Thus, while the country continues to spend on roads, bridges, power supply, etc. , it must not neglect to invest in its payment system m to improve the efficiency of economy, in general, and the financial system, in particular. Through the years, payment systems have considerably changed as forms of payment have evolved from precious metals to currency and checks and recently to electro ionic payments.These changes have been made because of the need to facilitate voluminous transactions occurring in rapidly growing and increasingly more sophisticated economies. Customers naturally seek the most efficient payment teeth, while providers of payment services normally seek the most profitable payments system. Advances in information technology and changes in laws, institutions and regulations in some countries have encouraged the emergence of new payment instruments as well as the delivery and processing arrangements for small and large value, time critical payments.With commerce now in the mainstream of economic activities, we can therefore expect more 3 major changes in the payment systems worldwide in the next five years than we have I n the last five decades. Obviously, the Philippines cannot escape from this sea change. Developments in the payment system have implications for the conduct of monetary policy. Well functioning financial markets can improve the effectiveness of Indore CT instruments of monetary policy because it is through these markets that the signal of monetary policy is transmitted to the intermediate and ultimate targets of the policy Monsoons et al. 998). The effective functioning of the financial market is, in turn, affected by the extent of the efficiency of the country's payment system. Also, rapid innovations taking place in the country's payment system can unpredictably alter the emend for and supply of money, thereby affecting the effectiveness of convene national monetary tools. Monetary authorities, therefore, cannot afford to be indifferent to the rapid innovations taking place in the payment system.A coun try's payment system, no matter how advanced and sophisticated, is not immune to risks. One part y in a payment transaction may not be able to receive or use the funds at a time when she needs them for another transaction for one reason or another (e. G. , fraud, bank closure, clearing and settlement failures, etc). More importantly, failure of one par captain to settle one large payment transaction could quickly spread to other transactions and institutions involved in the payment system, causing disruptions to the entire payment system.Systemic failure of the payment system can inevitably undermine t he effectiveness of monetary policy and adversely affect the real sector of the economy. The monetary authorities, therefore, have great interest in promoting efficient and sound payment system and in seeking ways to minimize systemic risk in the payment system because it has important implications for the conduct of monetary policy, the soundness of the uncial institutions and the fu nctioning of the economy as a whole (Baling et al. 996). Recently, the Committee on Payment and Settlement Systems (CAP AS) of the Bank for International Settlements (IBIS) has developed core principles for systematically 4 important payment systems (see Table 1 These are certainly relevant to emerging market and transition economies especially since they are in the process s of improving their payment systems in order to better handle the growing payment flows within and across their borders.The development of these core principles clearly demonstrates he amount of attention currently given by developed as well as develop ins economies in modernizing payment system in light of increasing financial market integration worldwide. This paper in general attempts to assess the efficiency of the existing payment system in the Philippines and its implications for the conduct of MO notary policy. Section II discusses key operational concepts involved in a payment system. This provides a gen eral background to the issues discussed in the subsequent sections.Section II discusses emerging payment systems in industrialized countries. Modern payment systems have evolved in industrialized countries and rapidly spread to developing countries, especially to those that have already substantially liberalized their financial markets. This evolution has continued in response to the growing v illume and complexity of the transactions and as new technologies emerge. Thus, the emerging payment systems in industrialized countries provide developing countries, like the Philippines, a preview of the likely evolution of their payment systems.Socio n IV describes and makes an assessment of the existing payment system in the Philippines. Section V assesses the implications of the existing and likely evolution of the country's payment system for the implementation of monetary policy. The last section presents some recommendations. The IBIS is an international organization, which fosters coo peration among central banks and other agencies in pursuit of monetary and financial sat ability and serves as the central bank of central banks.Its head office is in Basel, Switzerland and its representative office for Asia and the Pacific is in Hong Kong. 5 Economic transactions involve the rangers of goods and services and the corresponding transfer of value . As illustrated in Figure 1 , these transfers flow in opposite direction. A pa Yemen system, which is indicated in the lower part of is a method of transferring value between buyers (payers) and sellers (payees). In reality, a payment system is much more complex than what is suggested in the figure above. 1998) provides the following comprehensive description of a payment system: â€Å"A payment system encompasses a set of instruments and means generally acceptable in making payments; the institutional and organizational framework overdoing such payments (including prudential regulation); and the operating procedures and co mmunications network used to initiate and transmit payment information from payer to payee and to settle payments. † This section discusses the functions, types of risks and payment instruments in a payment system.A. Functions of a Payment System Any payment transaction has essentially two parts: the flow of information providing payment instructions and the flow of funds . Both flows may have different timing and direction. Each payment trans action requires some form of payment instrument o convey the information about the transactions, which may include the face value of the payment, the identity of the parties (I. E. , the payer and the payee) and their intermediaries, the transaction date, ND the value or settlement date.Regardless of the type of payment instrument used to effect payment, the payment system's functions of clearing and settlement occur. Clearing is the process of transmitting, reconciling and in some cases confirming Payne NT orders or security transfer in structions prior to settlement, possibly including netting of instructions and the establishment of final positions for settlement. This will be clarified further below. 6 Settlement is the act of transferring â€Å"good and final funds† between two parties.A Payne NT is settled with finality when the payer can no longer revoke the transfer of funds to the payee and the funds have been delivered unconditionally to the payee. This is the ultimate objective of a payment system. B. Various Types of Risk in a Payment S http://drips. Pits. Gob. PH/iris/PDF/peptidase's. PDF Retail Electronic Payments Systems for Va lee Transfers in the Developing World Bill Manure Department of Anthropology University of California, Irvine [email  protected] Deed Work in Progress This is a draft concept paper.You are welcome to cite or quote, but please do not do so without the author's perm session. Comments welcome. Summary A new â€Å"payments space† has emerged in the past five to ten years that promises to bring access to funds transfer, banking and financial SE revives to millions of unbaked people in developing countries and in the diasporas that remit funds to them. This payments space is characterized by the I innovative use of new information and communications technologies. This paper summarizes the expel irenic to date of us chi new electronic payments systems.

Certainty vs. Certitude

Certainty vs. Certitude Certainty vs. Certitude Certainty vs. Certitude By Mark Nichol What’s the difference between certainty and certitude? My hunch was that they’re interchangeable, but it turns out that they have a slight but significant difference in connotation- of that I am certain. Certainty and certitude, of course, share a root word: the Latin term certus, meaning â€Å"fixed† or â€Å"settled.† Certainty originally meant â€Å"pledge† or â€Å"surety,† then developed a sense of â€Å"something that is certain,† and certitude derives from a Latin word with the same meaning. But along the way, distinct connotations have emerged, though they are not always observed: A certainty can be something known based on fact, while sometimes, a certitude is something one is convinced of on the basis of faith. (The synonym conviction more obviously refers to what one believes rather than what one knows.) This is a useful distinction, but it’s unfortunately unlikely to ever emerge as one writers use consistently. The antonyms differ in form: uncertainty, but incertitude. (Incertain and incertainty existed in Middle English but were supplanted by the un- forms.) Other words based on certus include the adjectival and adverbial forms of certainty, certain and certainly, as well as the verb certify, meaning â€Å"confirm† or â€Å"vouch for†; the noun form is certification, and something that can be confirmed or vouched for is certifiable. (In colloquial usage, one who is, in jest or derision, thought eligible to be judged insane is referred to as certifiable.) Certificated is an adjective derived from the obsolete use of certificate as a verb. The noun certificate originally meant â€Å"action of certifying† but now has a dominant sense of â€Å"a document that provides certification.† Ascertain (the prefix a, meaning â€Å"to,† followed by certain) once meant â€Å"assure† or â€Å"inform† but now means â€Å"determine.† Concert and associated words are related to certain by way of the root word, though here, -cert has the sense of â€Å"strive.† Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Misused Words category, check our popular posts, or choose a related post below:Bare or Bear With Me?Loan, Lend, Loaned, LentPhrasal Verbs and Phrasal Nouns