Tuesday, January 28, 2020
Banking fraud
Banking fraud Presentation of the Issue Banks are not being prepared for their clients online bank accounts to under come frauds. Not all banks have good security systems and blame their clients with the benefit for thief.                An opportunistic thief who stole  £ 14,000 from a womans bank account after she failed to log out of a public computer has avoided a jail term. ¹ When the woman complained to the bank, they refused to reimburse her because of her negligence in failing to log off. ¹                The negative impact of this issue shows that, online banking fraud increased 55 percent to  £39 million in the first six months of the year compared to the same period a year ago, said Financial Fraud Action U.K.(FFA). ² The main issue consumers have with online banking is security. ³ The head of the U.S. Federal Bureau of Investigation has stopped banking online after nearly falling for a phishing attempt.4                Positive impacts of using online banking are; elimination of paper ³, cheaper than traditional methods, available 24/7 without the need of going out from home, fast payment for delivery services. Technology Background of the Issue E-banking includes the systems that enable financial institution customers, individuals or businesses, to access accounts, transact business, or obtain information on financial products and services through a public or private network, including the Internet.5 Hundreds of financial institutions offer online banking services, making it possible to pay bills, check account balances, and transfer funds using software.6 Customers access e-banking services using an intelligent electronic device, such as a personal computer (PC), personal digital assistant (PDA), automated teller machine (ATM), kiosk, or Touch Tone telephone.5 While the risks and controls are similar for the various e-banking access channels, this booklet focuses specifically on Internet-based services due to the Internets widely accessible public network.5 Failing to log off in public places, leads to online banking fraud. Only with the help of the court people can get their money back. The court heard that the woman had used the internet banking computer to transfer  £ 1,000 from her account, then left believing she had logged out correctly. ¹ A widely know online banking fraud is phishing. In phishing scams, criminals send spam e-mails to their victims, hoping to track them into entering sensitive information such as usernames and passwords at fake Web sites.4 Phishing has evolved into a big problem, not just for banks, but for online retailers and even providers of consumer Web applications such as Facebook and Yahoo.4 Nonetheless, most bank security measures are defeatable if a person fails victim to a phishing scam and sends a fraudster their authentication credentials. ² Impact of the Issue                Online fraud increased very much over the last year. The rise in banking fraud comes as U.K. banks have taken more rigorous measures to combat online fraud. ² While U.S. banks have often only require a log-in and password to get access to online banking, U.K. banks often have several more steps. ²                The most known fraud is phishing. It has become widely popular not only present in online banking. People lose a great amount of money with this fraud, due to the fact that they are not aware there are the victims of phishing. If the fraud is small usually clients to do not recognize it, and it is harder to get their money back from the bank. Only if the phishing is done for a big scale of consumers, it can be identified by the bank software. FBI Director Robert Mueller said he has recently came just a few clicks away from falling into a classic Internet phishing scam after receiving an e-mail that appeared to be from his bank.4 Far too little attention has been paid to cyber threats and their consequences, Mueller said.4 Intruders are reaching into our networks every day looking for valuable information.4 Unfortunately theyre finding it.4                Another fraud connected with online banking is the usage of online banking on public computers. This increases the probability of online banking fraud. This was the case of the woman, whose money have been stolen by Max Glover, who observed her and transferred money from her account onto his. She later discovered that her account was overdrawn and that money have been transferred without her knowledge. ¹ But data such as log-in can be saved on the computers web site history in form of a cookie. A small data file created by a Web server that is stored on your computer either temporarily for that session only or permanently on the hard disk (persistent cookie).7 Cookies provide a way for the Web site to recognize you and keep track of your preferences.7 Although online banking should be secure it still contains many positive impacts. It is very ecological, due to the fact that paper is not used. It is cheaper than the standard bank account because the customer does not pay for the worker as he does everything by himself. It is easier and faster for buying products from the Internet. Online banking is available from every place on earth, 24/7, so the client does not need to look for his bank on holidays, but he can easily transfer the money. Solutions to the Problem Arising                The problem of the woman in my article can be easily eliminated by not using online banking in public places. If there is such need, the customer should remember to log out and clear the history and the Internet.                The solutions arising from my issue, should be implied by banks. They should install better security software, so that online banking fraud will be eliminated or at least reduces. A U.K. security company is giving to banks, for free, security software that it says can block malicious software from manipulating online banking transactions or stealing data, even if the computer is infected.9 Online banking should be fast, easy and secure.8 Firstly and foremost, the site should be secure with strong validation process and data encryption.8 For example, NatWest- owned by the Royal Bank of Scotland Group- requires customers to enter their birth date plus a unique four digit code. ² During the second step, a person is prompted to enter some digits of a separate four-digit PIN (Personal Identification Number), which is not the same as the persons at ATM card. ² Even if banks install new security software, it wont eliminate online banking fraud completely. This can only cause reduction, because hackers will unlock the codes to the online bank software. This will take time but as the new security system is created by human it can be unscrambled by them. Bibliography  ¹ http://news.bbc.co.uk/2/hi/uk_news/scotland/edinburgh_and_east/8017138.stm  ² http://www.pcworld.com/businesscenter/article/173267/online_banking_fraud_in_the_uk_hits_a_new_high.html  ³ http://articles.moneycentral.msn.com/Banking/BetterBanking/TheTop10OnlineBanks.aspx 4 http://www.pcworld.com/article/173319/citing_cybercrime_fbi_director_doesnt_bank_online.html 5 http://www.ffiec.gov/ffiecinfobase/booklets/e_banking/ebanking_00_intro_def.html 6 Tomorrows Technolgy and you pg.164 7 http://www.pcmag.com/encyclopedia_term/0,2542,t=cookiei=40334,00.asp 8 http://www.moolanomy.com/1817/best-online-bank-for-savings-and-checking/ 9 http://www.pcworld.com/businesscenter/article/181310/software_shields_online_banking_on_infected_pcs.html
Monday, January 20, 2020
The Adventures of Huck Finn: A Coming Of Age Novel Essay examples -- e
The Adventures of Huck Finn: A Coming Of Age Novel      The novel ‘The Adventures of Huck Finn’ by Mark Twain is a coming of age novel. Huck’s maturity grows throughout the story. He first starts to show emotions toward a runaway slave, and by the end of the novel, has grown up to the point where, when Jim, the slave, is captured, Huck decides not to play games but to take it serious and rescue him the safest and most logical way. He also decides it give up playing games after his friend is shot to ensure that he would get the medical attention that he needed      The first indication of Huck’s growing maturity was in Chapter 15. Huck and Jim are split because of a thick fog near Cairo, their destination. After many hours, Huck finally makes his way back to the raft. Jim is sleeping, and Huck, still in a childish state of mind, decides to play a joke on Jim by pretending that he was never lost. He pretends to wake up next to Jim, who is overjoyed to see him, and Huck convinces Jim that the whole episode was a dream. When Jim finally realizes that Huck is fooling him, he scolds him sharply for it:      Aamy heart wuz mos’ broke bekase you wuz los’, en I didn’ k’yer no’ mo’ what become er me en de raf’. En when I wake up en fine you back agin, all safe en soun’, de tears come, en I could a got down on my knees en kiss yo; foot. I’s so thankful. En all you wuz thinking’ ‘bout wuz how you could make a foo...
Saturday, January 11, 2020
Analyse and present research information
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Friday, January 3, 2020
Book Review Guarding the Golden Door by Roger Daniels
Book Review Guarding the Golden Door by Roger Daniels Introduction Guarding the Golden Door is a historic book written with an intention of analyzing, and addressing the policies that were instigated to effect to immigration that was happening in America. Roger Daniels, a reputable historian interested in historical literature, inscribed the book. Only one edition, the original copy, has been produced since the publication of the book. The publisher of the book is Hill and Wang, a press company based in the U.S. This was due during the course of year 2004. The lengthy book of 328 pages addresses the subject range of history in the United States. Its ISBN numbers are 0809053438 and 9780809053438. Thesis Rogers wrote Guarding the Golden Door from a personal point of view. This is evident from the criticism unto which critics base their arguments. It is through his perception that he purposed in writing the book. Roger Daniel has based his thesis upon one general assessment of the immigration era in the U.S. It is a summation of one statement. Thesis- The past has had a nostalgic effect to the immigrants and the issue has been magnified by the threat the outsiders implicated upon the natives. Main Ideas of Roger Daniels As the author of the book, Daniels has tried to exemplify his view towards hyperbolism of the rhetoric and misleading statistics that were conceptualized by the legislation looking upon the immigration process. He has also tried to depict hisShow MoreRelatedGuarding The Golden Door : American Immigration Policy And Immigrants948 Words  | 4 PagesGuarding the Golden Door: American Immigration Policy and Immigrants Since 1882 -By Roger Daniels Guarding the Golden Door by Roger Daniels provides an overall clarification of the immigration system in the United States throughout the past and in latest policies. Ever since 1882, America claimed that the settlement objective was to prevent it from occurring, although it permitted the complete opposite. Thus, the single factual policy that has been realistic to American immigration is that itRead MoreDeveloping Management Skills404131 Words  | 1617 PagesPrinciples of Management, Human Resources, Strategy, and Organizational Behavior that helps you actively study and prepare material for class. Chapter-by-chapter activities, including built-in pretests and posttests, focus on what you need to learn and to review in order to succeed. Visit www.mymanagementlab.com to learn more. DEVELOPING MANAGEMENT SKILLS EIGHTH EDITION David A. Whetten BRIGHAM YOUNG UNIVERSITY Kim S. Cameron UNIVERSITY OF MICHIGAN Prentice Hall Boston Columbus IndianapolisRead MoreStephen P. Robbins Timothy A. Judge (2011) Organizational Behaviour 15th Edition New Jersey: Prentice Hall393164 Words  | 1573 PagesOne Lake Street, Upper Saddle River, New Jersey 07458, or you may fax your request to 201-236-3290. Many of the designations by manufacturers and sellers to distinguish their products are claimed as trademarks. Where those designations appear in this book, and the publisher was aware of a trademark claim, the designations have been printed in initial caps or all caps. Library of Congress Cataloging-in-Publication Data Robbins, Stephen P. Organizational behavior / Stephen P. Robbins, Timothy A. JudgeRead MoreExploring Corporate Strategy - Case164366 Words  | 658 PagesECS8C_C01.qxd 22/10/2007 11:54 Page 597 CASE STUDIES ECS8C_C01.qxd 22/10/2007 11:54 Page 598 ECS8C_C01.qxd 22/10/2007 11:54 Page 599 Guide to using the case studies The main text of this book includes 87 short illustrations and 15 case examples which have been chosen to enlarge speciï ¬ c issues in the text and/or provide practical examples of how business and public sector organisations are managing strategic issues. The case studies which follow allow theRead MoreStrategic Marketing Management337596 Words  | 1351 PagesStrategic Marketing Management Dedication This book is dedicated to the authors’ wives – Gillian and Rosie – and to Ben Gilligan for their support while it was being written. Acknowledgements Our thanks go to Janice Nunn for all the effort that she put in to the preparation of the manuscript. Strategic Marketing Management Planning, implementation and control Third edition Richard M.S. Wilson Emeritus Professor of Business Administration The Business School Loughborough University
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