Essay Topics - How to Learn Them Better

Essay Topics - How to Learn Them BetterIf you are not well versed with essay topics, you will want to consider taking a course for it. There are a number of colleges that offer these courses. There are a number of ways to learn them. In this article, I will discuss a couple of ways.As of a few years ago, web-based instruction was relatively rare. However, today, it is becoming increasingly popular. Students have the ability to access and utilize content on the Internet for just about any class. Often, an instructor can present content in a different way. For example, some instructors may use a PowerPoint presentation to teach something. A student may see that and decide to learn that type of presentation.Online textbooks are also becoming quite popular. These books are free to access, and a student can download it to their computer. They can then access the information online. If they get stuck in their assignments, they can access the book and fix any problems they may have.Another way to learn essay topics is through a course instructor. A course instructor can help you gain experience helps you learn the material much better. You will be able to better apply the knowledge gained from your work. A course instructor will usually be there to answer any questions that you have. They will also be able to give you tips. The best part is that they will not cost you anything.Last, but not least, if you are extremely good at your subject, then you may want to try the e-book method. An e-book is basically a paperback book that is downloadable electronically. This e-book is going to allow you to access material on your computer and print it out.One great benefit to this is that you don't have to wait until the next day to write your assignment. You can print it out on the go. This makes it much easier to get that homework done.Overall, there are a lot of methods for learning essay topics. You should consider how to better apply the knowledge to your writing assignments . You may even discover new areas that you hadn't thought of before.

The Forbidden Game The Chase Chapter 3 Free Essays

The others turned to Jenny. He’s your cousin; you deal with him, their looks said. Jenny took another deep breath. We will write a custom essay sample on The Forbidden Game: The Chase Chapter 3 or any similar topic only for you Order Now â€Å"You know perfectly well it will make a difference,† she said tightly. â€Å"If we don’t get the paper house back-you know what could happen.† â€Å"And what are you going to do if we do get it? Burn it? Shred it? With them inside? Isn’t that murder, or don’t P.C. and Slug count?† Everyone burst into speech. â€Å"They wouldn’t care about us-† Audrey began. â€Å"Just cool it,† Dee said, standing over Zach like a lioness. â€Å"Maybe they’re not inside. Maybe they just took it and skipped town or something,† Michael offered. Jenny gathered all her self-control, then she stood, looking at Zach directly. â€Å"If you don’t have anything useful to say, then you’d better leave,† she said. She saw the looks of surprise from the others. Zach didn’t look surprised. He stood, his thin beaky-nosed face even more intense than usual, staring at Jenny. Then, without a word, he turned around and left. Jenny sat back down, feeling shaken. â€Å"Good grief,† Michael said mildly. â€Å"He deserved it,† said Dee. Jenny knew the point was not whether Zach had deserved it, but that Michael was surprised Jenny would give it to him. I’ve changed, Jenny thought. She tried to push the knowledge away with a â€Å"So what,† but it nagged at her. She had the feeling that, deep down, she might have changed more than anybody knew yet. â€Å"We have to find the paper house,† she said. â€Å"Right,† Dee said. â€Å"Even though I don’t think so there’s a chance in hell of P.C. and Slug making it all the way to the third floor where Julian is. Not with that snake and that wolf around-â€Å" â€Å"The Creeper and the Lurker,† Audrey said with precision. â€Å"-but we might as well be safe.† A bell rang. â€Å"See you in physiology,† Dee added to Jenny, grabbed her empty Carbo-Force can, and ran for the art block. Michael brushed cookie crumbs off his lap, got up, and began the trek to the gym. Jenny knew she should be hurrying, too. She and Audrey had to get changed for tennis. But at the moment she really didn’t care if she was late or not. â€Å"Want to cut?† she said to Audrey. Audrey stopped dead in the middle of reapplying her lipstick. Then she finished, snapped her compact shut, and put the lipstick away. â€Å"What’s happened to you?† she said. â€Å"Nothing-† Jenny was beginning, when she realized that somebody was walking up to them. It was a guy, a senior from Jenny’s world lit class. Brian Dettlinger. He looked at Audrey uncertainly, but when it was apparent she wasn’t going anywhere he said hi to both of them. Jenny and Audrey said hi back. â€Å"Just wondering,† he said, eyeing a bumblebee hovering over a clump of Mexican lilies, â€Å"if you had, you know, a date for the prom.† Prom’s over, Jenny thought stupidly. Then she realized that of course he meant senior prom. Audrey’s chestnut eyes had widened. â€Å"No, she doesn’t,† she said instantly, with the slight pursing of lips that brought out her beauty mark. â€Å"But I have a boyfriend,† Jenny said, astonished. Everyone knew that. Just as everyone knew that she and Tom had been together since elementary school, that for years people had talked about them as Tom-and-Jenny, a single unit, as if they were joined at the hip. Everyone knew that. â€Å"Oh, yeah,† Brian Dettlinger said, looking vaguely embarrassed. â€Å"But I just thought-he isn’t around much anymore, and†¦Ã¢â‚¬  â€Å"Thank you,† Jenny said. â€Å"I can’t go.† She knew she sounded scandalized, and that Brian didn’t deserve it. He was only trying to be nice. But she was put off balance by the whole situation. Obviously she couldn’t have been his first choice, since today was Monday and the prom was this Saturday, but to have been asked at all by him was a compliment. Brian Dettlinger wasn’t just any scabby senior scrambling for a date at the last minute, he was captain of the football team and went with the head cheerleader. He was a star. â€Å"Ma epazzo?† Audrey said when he’d gone. â€Å"Are you nuts? That was Brian Dettlinger.† â€Å"What did you expect me to do? Go with him?† â€Å"No-well-† Audrey shook her head, then tilted it backward, to look at Jenny appraisingly through spiky jet-black lashes. â€Å"You have changed, you know. It’s almost scary. It’s like you’ve blossomed, and everybody’s noticed. Like a light went on inside you. Ever since-â€Å" â€Å"We have to go to P.E.,† Jenny said abruptly. â€Å"I thought you wanted to cut.† â€Å"Not anymore.† Jenny didn’t want anything else to change. She wanted to be safe, the way she was before. She wanted to be a regular junior looking forward to summer vacation in a month or so. She wanted Tom. â€Å"Come on,† she said. For a moment, just as they left, dropping iced tea bottles in the metal trash can by the English block, she had the feeling that someone was watching her. She turned her head quickly, but she couldn’t see anything there. Tom watched her go. He felt bad lurking there in the shadow of the English building, behind the scarred metal pillars that held the porchlike roof up. But he couldn’t make himself come out. He was going to lose her, and it was his own fault. The thing was, he’d blown it already. He’d screwed up. The most important thing in his life-and he hadn’t even realized it was the most important thing until seventeen days ago. April 22. The day of the Game. The day Julian came and took Jenny away. Of course he’d loved Jenny. Loving was easy. But he’d never thought about what it might feel like without her, because he’d always known she’d be there. You don’t sit around and think to yourself, â€Å"I wonder what it would feel like if the sun didn’t come up tomorrow.† He’d assumed things, taken things for granted. He’d been lazy. That was what came of having everything handed to you on a platter. Of never having to prove yourself, of having people fawn on you because of your good looks and your hot car and your knuckleball. Of, essentially, being Tom Locke. You get to think you don’t need anything. Then you find out how wrong you are. The problem was that just when he’d started to realize how much he needed Jenny Thornton, she’d discovered she didn’t need him. He’d seen her in that Other Place, inside that paper house that had turned real. She’d been so brave and so beautiful it made his throat hurt. She’d functioned absolutely perfectly without him. It might still have been all right-except for Julian. The Shadow Man. The guy with eyes the color of glacier pools, the guy that had kidnapped all of them because he wanted Jenny. Which had been an indisputably evil, but in Tom’s view, completely understandable thing to do. Jenny had changed since Julian had gotten to her, Maybe the others hadn’t really noticed yet, but Tom had. She was different now, even more beautiful, and just-different. There were times when she sat with a faraway look as if she were listening to things no one else could hear. Listening to Julian’s voice in her mind, maybe. Because Julian had loved her. Julian had said it, had said all the things that Tom had never thought to mention. And Julian had the charm of the devil. How could Jenny resist that? Especially being as innocent as she was. Jenny might actually think that she could change Julian, or that he wasn’t as evil as he seemed. Tom knew differently, but what was the use of telling her? He’d seen them together, seen Julian’s eyes when he looked at her. He’d seen the kind of spell Julian could cast. When Julian came for Jenny next time, Tom was going to lose. So now all he could do was lurk in shadows, watching her. Noticing the way wisps of her hair blew over the rest of it, light as cornsilk and the color of honey in sunlight. Remembering her eyes, a dark green touched with gold. Everything about her was golden, even her skin. Funny he’d never bothered to tell her that. Maybe that was what Dettlinger had been doing just now. Tom wasn’t surprised that the football star had come to talk with Jenny; he was just surprised at how fast he’d gone away. He wished he could have heard the conversation. It didn’t matter. It didn’t matter how many guys approached Jenny. Tom was only worried about one-and that one had better watch out. Tom couldn’t have her anymore, but he could protect her. When Julian did come back-not if; Tom was virtually certain that he would-when Julian did come back for Jenny, and tried to play on her innocence again, Tom would be there to stop it. He didn’t quite know how, but he would stop it. Even if it killed him. And if it made Jenny hate him, so be it. She’d thank him someday. Moving quietly and purposefully, Tom followed the copper head and the golden one, stalking the girls to the gym. It might have been his imagination, but he had the odd feeling that something else was stalking them, too. They drove to the Center in two cars; Jenny and Audrey in Audrey’s little red Alpha Spider, and Dee and Michael in Michael’s VW Bug. Jenny braced herself as they walked inside. No matter how she braced, the west wall was still a shock. It was covered with pictures of Summer. Hundreds of them. Not just the flyers and posters. Summer’s parents had brought in dozens of photographs, too, to show Summer from different angles, or maybe just to remind people what all this efficiency and envelope-stuffing was really about. Somebody had gotten one of the pictures blown up into a monstrous billboard-like print, so that Summer’s soft blond curls spanned five feet and Summer’s wisteria blue eyes stared out at them like God’s. â€Å"Where’s the Tomcat?† one of the volunteers asked Jenny. She was a college girl, and she always asked about Tom. â€Å"I don’t know,† Jenny said briefly. The same question had been stabbing at her since lunch. â€Å"If I were you, I’d know. What a hunk. I’d be keeping tabs on him†¦ .† Jenny stopped listening. As usual, she wanted to get away from the Center as soon as possible. It was a warm, earnest, busy place, full of hope and good cheer-and it was a farce. There was a sick feeling in Jenny’s stomach as she turned to the large map on the wall. The map showed which areas had been postered and which hadn’t. Jenny pretended to study it, even though she already knew where she had to go. If the Crying Girl had been P.C.’s friend, she might live near him. She scarcely noticed as the Center door opened and one of the volunteers whispered, â€Å"It’s that psychic who called. The one from Beverly Hills.† â€Å"Will you look at that Mercedes?† Michael said. Jenny turned and saw a woman with frosted blond hair, who was decorated with ropes of expensive-looking gold chains. At the same moment the psychic turned and saw her-and gasped. Her eyes got very large. She took several steps toward Jenny, until her Giorgio perfume overpowered Audrey’s Chloe Narcisse. She stared into Jenny’s face. â€Å"You,† she whispered, â€Å"have seen them. Those from the Other Side.† Jenny stood frozen. Lightning-struck. â€Å"I have a message for you,† the psychic said. How to cite The Forbidden Game: The Chase Chapter 3, Essay examples

My Visit to the Orphanage free essay sample

A week before my ninth birthday, my family and I decided to visit the orphanage, â€Å"Prem Dan†. I was very enthusiastic about it even though I hadn’t considered the impact of doing this being a nine year old. We left for the orphanage and arrived there at 10:00 am.When we got to the orphanage, we were greeted by a lot of cute little children who welcomed us with a warm heart filled with ecstasy. We distributed the noodles and burgers that we took for them so they could have something different than their daily meal, lentil soup and rice. After lunch, we gathered in a big hall and played games like catch, the tug of war, and telephone with them. During this, one child asked me if she could call me her sister and my mother, mom. This moment was very heartfelt and was a turning point in my life. We will write a custom essay sample on My Visit to the Orphanage or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Tears swelled up inside me and that moment was etched in my memory ever since. I wondered what their lives was like without parents, without love and without someone to guide them. I could get a load of how much the time we spent with them meant to them. This thought made my experience with them deeply emotional and for the first time in my life, I felt blissful for doing something for other people.Seeing those children, with sporadic resources, made me appreciate the copious amounts of things I had and sometimes, took for granted. It showed me that I had a lot of privileges many people don’t and I should use them to the fullest. I also learned something very important about myself the feeling of sharing and giving joy gives me a feeling of elation. This experience also made me appreciate the love and support I get from my family and how lucky I was to have them with me.This trip to the orphanage was of great meaning to me. It showed me the other side of my life and the value of the things I had. Since then I have been trying to give back to the society and help people live their lives to the fullest.

Free Essays on Theology And The Clash Of Civilizations

THEOLOGY AND THE CLASH OF CIVILIZATIONS Peace will come not when any one terrorist and his network of secret agents have been "surgically" excised but when an authentic alternative vision has emerged within the House of Islam. JACK MILES, Senior Advisor to the President at the J. Paul Getty Trust and a member of the Pacific Council on International Policy, is the author of Christ: A Crisis in the Life of God (Alfred A. Knopf). In the 1940s, the most important foreign policy intellectual in the United States was George F. Kennan. Kennan, who served briefly in the Truman Administration, was among the first to recognize that the United States could not defeat communism outright but could contain it and the nations infected by it, beginning with the Soviet Union. What came to be called the Cold War seems in retrospect to have been inevitable, but it was not inevitable at all. Instead of the Cold War, the world could all too easily have fought World War III. Containment was the bold and politically creative alternative to that war. The 1947 article in Foreign Affairs in which Kennan, writing as "X," first laid out containment as a strategy remains, unsurprisingly, the most popular article ever published in that periodical. In the 1990s, the most important foreign policy intellectual in the United States may yet prove to have been Samuel P. Huntington. The second-most-popular article in the history of Foreign Affairs has been his controversial 1993 "The Clash of Civilizations," an attempt to see what lay beyond the end of Kennan's Cold War. What Huntington saw was, on the one hand, economic and cultural globalization and, on the other, resistance to it by those who saw it as merely the latest form of Western, historically Christian, and at this late date specifically American imperialism. Though Huntington noted that many non-Western powers had cast their lot with the emerging global order, it seemed equally clear to him that China and ... Free Essays on Theology And The Clash Of Civilizations Free Essays on Theology And The Clash Of Civilizations THEOLOGY AND THE CLASH OF CIVILIZATIONS Peace will come not when any one terrorist and his network of secret agents have been "surgically" excised but when an authentic alternative vision has emerged within the House of Islam. JACK MILES, Senior Advisor to the President at the J. Paul Getty Trust and a member of the Pacific Council on International Policy, is the author of Christ: A Crisis in the Life of God (Alfred A. Knopf). In the 1940s, the most important foreign policy intellectual in the United States was George F. Kennan. Kennan, who served briefly in the Truman Administration, was among the first to recognize that the United States could not defeat communism outright but could contain it and the nations infected by it, beginning with the Soviet Union. What came to be called the Cold War seems in retrospect to have been inevitable, but it was not inevitable at all. Instead of the Cold War, the world could all too easily have fought World War III. Containment was the bold and politically creative alternative to that war. The 1947 article in Foreign Affairs in which Kennan, writing as "X," first laid out containment as a strategy remains, unsurprisingly, the most popular article ever published in that periodical. In the 1990s, the most important foreign policy intellectual in the United States may yet prove to have been Samuel P. Huntington. The second-most-popular article in the history of Foreign Affairs has been his controversial 1993 "The Clash of Civilizations," an attempt to see what lay beyond the end of Kennan's Cold War. What Huntington saw was, on the one hand, economic and cultural globalization and, on the other, resistance to it by those who saw it as merely the latest form of Western, historically Christian, and at this late date specifically American imperialism. Though Huntington noted that many non-Western powers had cast their lot with the emerging global order, it seemed equally clear to him that China and ...

Biography of Alfred Nobel, Inventor of Dynamite

Biography of Alfred Nobel, Inventor of Dynamite Alfred Bernhard Nobel (October 21, 1833–December 10, 1896) was a Swedish inventor, chemist, and businessman known for inventing dynamite and establishing the Nobel Prizes in Chemistry, Physics, Physiology or Medicine, Peace, and Literature. Fast Facts: Alfred Nobel Occupation: ChemistKnown For: Inventor of dynamite; established the Nobel PrizesBorn: October 21, 1833 in Stockholm, SwedenParents: Immanuel and Karolina NobelEducation: Private teachers in St. Petersburg and lab work in Paris (no formal degree)Died: December 10, 1896 in San Remo, Italy Early Life Alfred Nobel was born October 21, 1833 in Stockholm, Sweden, one of 8 children born to Immanuel and Andriette Nobel. The same year Nobel was born, his father, a building constructor, went bankrupt due to financial misfortune and a fire that destroyed much of his work. In 1837, Immanuel left Stockholm for Russia, establishing himself in St. Petersburg as a successful mechanical engineer providing equipment for the Russian Army. Immanuel’s work included explosive mines, which would detonate when a ship hit them. These mines worked by using a small explosion to set off big ones, an insight which would be important to inventing dynamite. Immanuel’s family joined him in St. Petersburg in 1842. There, Nobel was educated by private teachers, learning the natural sciences, languages, and literature. One of Nobel’s chemistry teachers was Professor Nikolai Zinin, who first told Nobel about nitroglycerine, the explosive chemical in dynamite. Though Nobel was interested in poetry, his father wanted him to become an engineer and sent him abroad to study chemical engineering. Nobel never obtained a degree or attended a university. However, he worked in the lab of Professor Jules Pà ©louze in Paris. Mass Production of Nitroglycerine In 1847, the Italian chemist Ascanio Sobrero discovered nitroglycerine. Though the explosive power of this chemical was much greater than gunpowder’s, it was incredibly difficult to handle and could explode unpredictably. Because of this, people avoided dynamite. In 1852, Nobel came back to work in his father’s business, which was successful because it worked with the Russian Army. In 1856, however, the Crimean War ended and the army cancelled its orders, leading Nobel and his father to look for new products to sell. Nobel and his father had heard of nitroglycerine from Professor Zinin, who had shown them nitroglycerine some time at the beginning of the Crimean War. They began working on nitroglycerine together.  One idea, for example, was to use nitroglycerine to improve explosives for Immanuels mines. However, Immanuel was not able to achieve any notable improvement. Nobel, on the other hand, made significant strides with the chemical. In 1859, Immanuel was facing bankruptcy again, and returned to Sweden with his wife and another of his sons. Meanwhile, Nobel stayed in St. Petersburg with his brothers Ludvig and Robert. However, his brothers soon focused on rebuilding the family business, eventually turning it into an oil empire called The Brothers Nobel. In 1863, Nobel returned to Stockholm and continued working with nitroglycerine. One year later, he filed a patent for the blasting cap, a detonator that could be ignited by lighting a fuse. This invention revolutionized the field of explosives, and was integral to the development of modern explosives. Nobel’s new blasting technique garnered significant attention from mining companies and the state railways, which began to use it in their construction work. However, a series of explosions involving the chemical- including one which killed Nobel’s brother Emil- convinced authorities that nitroglycerine was extremely dangerous. The use of nitroglycerine was banned in Stockholm, and Nobel continued to manufacture the chemical on a barge on a lake near the city. Despite the high risk involved in using nitroglycerine, the chemical had become essential to mining and railway construction. In 1864, Nobel began the mass production of nitroglycerine in Stockholm, founding companies throughout Europe. However, several accidents with nitroglycerine led authorities to introduce regulations restricting the manufacture and transport of explosives. Invention of Dynamite Nobel continued looking for ways to make nitroglycerine safer. During his experiments, he found that combining nitroglycerine with kieselguhr (also called diatomaceous earth; mostly made of silica) formed a paste which allowed the chemical to be shaped and detonated on command. He patented this invention in 1867, calling it â€Å"dynamite† after the Greek word for power (dynamis). The demand for Nobel’s dynamite surged. Since the user could control the explosions, it had many applications in construction work, including tunnel blasting and road building. Nobel continued building companies and laboratories all over the world, amassing a fortune. He developed other explosives as well, such as blasting gelatin- which had even more explosive power- and ballistite, a smokeless gunpowder. Though dynamite was Nobel’s main business, he also worked on other products, such as synthetic leather and artificial silk. Later Life and Death At the age of 43, Nobel advertised himself in a newspaper: â€Å"Wealthy, highly educated elderly gentleman seeks lady of mature age, versed in languages, as secretary and supervisor of household.† The Austrian countess Bertha Kinsky answered the call, but two weeks later she returned to Austria to marry Count Arthur von Suttner. Nobel and Bertha continued to correspond with one another even as she became increasingly critical of the arms race and he continued to work on explosives. He may have justified his decision to Bertha with the rationale that he could create something so destructive and terrible that it would stop all wars forever. Alfred Nobel died of a stroke on December 10, 1896 in San Remo, Italy. The Nobel Prize After Nobel died in 1896, his will stated that his fortune should be used for prizes in five categories: physics, chemistry, physiology or medicine, literature, and peace. (The Nobel Memorial Prize in Economic Sciences, also known as the Nobel Prize in Economics, was established much later, in 1968.) His will was executed by two engineers, who formed the Nobel Foundation to coordinate Nobel’s finances and award the prizes. Nobel’s choices for scientific prizes may have been influenced by his background in science and invention. The founding of the peace prize may have been influenced by the peace activist Countess Bertha von Suttner, or his guilt for creating a material that was so destructive. After Nobel’s death, Bertha was awarded the 1905 Nobel Peace Prize for her work. Sources Jorpes, J. Erik. â€Å"Alfred Nobel.† British Medical Journal, 1959, pp. 1–6.Livni, Ephrat. â€Å"The Nobel Prize Was Created to Make People Forget Its Inventors Past.† Quartz, 2 Oct. 2017, qz.com/1092033/nobel-prize-2017-the-inventor-of-the-awards-alfred-nobel-didnt-want-to-be-remembered-for-his-work/.Ringertz, Nils. â€Å"Alfred Nobel - His Life and Work.† Nature Reviews - Molecular Cell Biology, vol. 2, 2001, pp. 1–4.

Hate crime Essay Example | Topics and Well Written Essays - 250 words

Hate crime - Essay Example The militia movement and the white supremacy are greatly linked as both believe the federal government has alienated them. In Expanding the Influence of Organized Hate, Levin &Â  Nolan explain how hate spread despite the statuses of the perpetrators (37). The hate spread form the Church to schools. With the use of the internet, it was possible to spread hate and influence many people towards embracing racist and anti-Semitic feelings (Levin &Â  Nolan 37). The internet transformed hate crimes as even the children with access to computers were able to access hate websites, a good example that of Matthew Hale’s organization (Levin &Â  Nolan 37). Upon logging to the internet lots of lonely racists in small and remote towns create a chain of friends with similar opinions (Levin &Â  Nolan 37). This explains why the hate websites have a strong influence on the youth of America. The same sentiments are shared by Citron and Altschiller who focus on the increase of the crimes thanks to the internet (37, 148). Cultural standards are not always the source of hate since hate can also emanate from within a person. This can be evidenced by the White Supremacists, the bigotry sympathizers and the spectators who also help perpetuate hate and violence through other means such as psychological support, that do not touch on culture (Levin &Â  Nolan

How does online banking affect the banking industry Dissertation

How does online banking affect the banking industry - Dissertation Example Introduction of ATMs, partially alleviated the problems, and ATMs proved successful in load reduction as well as cutting transaction cost. Advent of internet provided another window of opportunities for the banks to expand their customer reach by providing limited set of internet based banking capabilities to full-fledged virtual banks. This has been extended by further proliferation of PDAs and mobile phones, wherein mobile banking is gaining its foothold as a prominent channel. This paper analyses the progress of online banking since its inception, specifically on the aspects of service quality, security and risk factors from the online banking customer perspective. Based on our study of the decade of online banking, it can be logically concluded that online banking is becoming the number one choice for today’s banking customer in all demographics. ... Occasionally, a customer would phone a bank representative of choice, for financial information (balance in account, check clearance, status of money transfer etc.). Prior to internet/web, ATMs allowed the customer a flexibility of executing certain banking transactions (mainly balance checking, cash withdrawal). Subsequent to that, some banks introduced so called PC banking, where an application installed in customer’s PC established a secured connection with an application running in the bank to perform transactions. Early in 1981, when internet became prevalent at home, some of the banks in US with a large customer base, tried introducing a few facilities to its customers, wherein the customer could perform a few activities, by signing up to additional services from its bank. Some banks charged the customer for these transactions, and these mainly included value-added services to the customer at lesser cost. (E.g. Availability of Dow Jones Retrieval/News Service at a much l esser cost provided by CitiBank). Ubiquity of internet, and customers need for mobility, banks and financial institutions were forced to adopt current technology as a basis for providing its customer, online banking services, available at the reach of the customers’ personal computers, at home, at workplace, or anywhere a customer has access to his/her bank and account. The trend continued with advent and following rapid progress in online technology, from internet banking to mobile banking. Another reason for this shift in service offering on the part of the bank is also due to the fact that customer base for banks and volume of transactions saw