The goal of this article is to determine the spread and use of e-banking technology in Albanian banks, to see the help and advantages that this service provides to the banks and to the customers, and of course to dete...The goal of this article is to determine the spread and use of e-banking technology in Albanian banks, to see the help and advantages that this service provides to the banks and to the customers, and of course to determine if our banking system is actually in the Internet era. In the last decade we notice that banks pay a growing attention to their marketing services and in particular to the use of the latest technologies for their promotions. The use of the lnternet has influenced in the fact that customers now are closer to their banks, their number has increased, and of course through the Internet we have a more efficient exchange of products and services. A questionnaire was developed to help us understand the internet banking acceptance in Albania and other issues related to it. The questionnaire survey was conducted on 9 banks operating in Albania and from the evaluation of the collected data results that all banks that underwent questionnaire, have a separate marketing department. So marketing has an important role in the banking business. The importance of marketing rose by increased interbank competition in recent years. Crisis and economic and financial difficulties have shown that banks, which face these difficult periods, have been those which had not only a healthy bank policy, but also a strong commercial policy. These things depend on many factors, among which we can mention： the tradition, which has taught people to trust ＂their financial secrets＂ only to someone who exercises the profession of banker; the cultural and infrastructural level of development of the population, which gives approval and insures the continuousness of any discovery or development in various fields; the ability of this kind of banking to be successful, that is and remains the basis on which to establish a trustful cooperation relationship of any kind. Strong policies to e-marketing have targeted to increase the percentage of elements such as banking and credit granting. E-banking also consists of counseling online with a bank employee or financial advisor. This kind of service is not only effective for the client, who saves his time, but also more economical for the bank, which reduces its costs in human resources （an adviser to the window only deals with a client, while he can handle online more than two credit cases simultaneously, so we decrease the number of employees in general）. With its low-cost structure, direct consumer marketing and innovative services, the internet is going to present a real challenge to traditional forms of banking. E-banking is seen from the banks as an opportunity to create competitive advantage over its competitors. It offers a great deal of advantages both to the banks and to the customers. Clients are becoming more and more demanding and they are expecting even higher levels of service from their banks.展开更多
How to teach creative writing at school？ If the procedures inherited from writing workshops have undoubtedly proved efficient as regards text production, it is also clear that in Switzerland, as elsewhere in Europe a...How to teach creative writing at school？ If the procedures inherited from writing workshops have undoubtedly proved efficient as regards text production, it is also clear that in Switzerland, as elsewhere in Europe and in the Anglo-Saxon world, the present use of evaluation grids with their numerous items prevents secondary school pupils from adopting the stance of an author. Why？ Simply because the most innovative and ＂literary＂ texts are always surprising： They are ＂different＂, and could not possibly result from writing guidelines devised only to facilitate a mechanical evaluation itself conceived for the sake of some illusory objectivity... Now, in our postmodern age with its rejection of models, what is more difficult than assessing the quality of creative writing？ In our approach, we suggest restoring confidence in the teacher, an expert reader if any, who, acting as a publisher, dramaturge, or mere aesthete, knows how to take his pupils＇ texts seriously, acknowledge their aesthetic value, and look at apparent clumsiness as a possible promise of innovation. The teaching of creative writing lies both in this specific reception of budding works and in the teacher＇s performative utterances that, then and there, make the pupil a writer.展开更多
Learning English with specific purpose （ESP） initiatives domain knowledge and language ability with English learning to meet future job demands （Leroux ＆ Lafleur, 1995; Khan ＆ Khan, 2015）. In the information age...Learning English with specific purpose （ESP） initiatives domain knowledge and language ability with English learning to meet future job demands （Leroux ＆ Lafleur, 1995; Khan ＆ Khan, 2015）. In the information age, the innovative technologies of mobile devices make the dramatical changes in ways of teaching and learning （Atkinson, 2011; Bierstaker, Janvrin ＆ Lowe, 2014, Pittaway, 2012; Yang ＆ Che, 2015）. The focus of this study aims to examine ESP college students＇ English learning performance by using Context Aware Mobile Situated Learning （CAMSL） in Tourism and Hospitality Management field and other majors. The mixed research method is conducted for data collection and analysis. The quantitative data are collected by examining students＇ learning performance; the qualitative data are allowed to understand the students＇ perspective toward their role in using the CAMSL with Tourism related content. Eight-three students are randomly selected and divided into two groups： 42 students are assigned in the experimental group A （CAMSL）, and 41 students are assigned in control group. Two groups of students receive pretest and posttest to examine their English performance. Besides, twenty students from group A and B are selected for online survey. The survey is mailed directly to students＇ email account. Results represented by using CAMSL show the significant improvement on students＇ learning performance. In addition, the survey data indicate the benefits of using the CAMSL help students enhance their academic discourse, develop their learned knowledge to represent their profession, use English properly to speak themselves up, and provide the effectiveness of obtain domain knowledge in future workplace.展开更多
文摘The goal of this article is to determine the spread and use of e-banking technology in Albanian banks, to see the help and advantages that this service provides to the banks and to the customers, and of course to determine if our banking system is actually in the Internet era. In the last decade we notice that banks pay a growing attention to their marketing services and in particular to the use of the latest technologies for their promotions. The use of the lnternet has influenced in the fact that customers now are closer to their banks, their number has increased, and of course through the Internet we have a more efficient exchange of products and services. A questionnaire was developed to help us understand the internet banking acceptance in Albania and other issues related to it. The questionnaire survey was conducted on 9 banks operating in Albania and from the evaluation of the collected data results that all banks that underwent questionnaire, have a separate marketing department. So marketing has an important role in the banking business. The importance of marketing rose by increased interbank competition in recent years. Crisis and economic and financial difficulties have shown that banks, which face these difficult periods, have been those which had not only a healthy bank policy, but also a strong commercial policy. These things depend on many factors, among which we can mention： the tradition, which has taught people to trust ＂their financial secrets＂ only to someone who exercises the profession of banker; the cultural and infrastructural level of development of the population, which gives approval and insures the continuousness of any discovery or development in various fields; the ability of this kind of banking to be successful, that is and remains the basis on which to establish a trustful cooperation relationship of any kind. Strong policies to e-marketing have targeted to increase the percentage of elements such as banking and credit granting. E-banking also consists of counseling online with a bank employee or financial advisor. This kind of service is not only effective for the client, who saves his time, but also more economical for the bank, which reduces its costs in human resources （an adviser to the window only deals with a client, while he can handle online more than two credit cases simultaneously, so we decrease the number of employees in general）. With its low-cost structure, direct consumer marketing and innovative services, the internet is going to present a real challenge to traditional forms of banking. E-banking is seen from the banks as an opportunity to create competitive advantage over its competitors. It offers a great deal of advantages both to the banks and to the customers. Clients are becoming more and more demanding and they are expecting even higher levels of service from their banks.
文摘How to teach creative writing at school？ If the procedures inherited from writing workshops have undoubtedly proved efficient as regards text production, it is also clear that in Switzerland, as elsewhere in Europe and in the Anglo-Saxon world, the present use of evaluation grids with their numerous items prevents secondary school pupils from adopting the stance of an author. Why？ Simply because the most innovative and ＂literary＂ texts are always surprising： They are ＂different＂, and could not possibly result from writing guidelines devised only to facilitate a mechanical evaluation itself conceived for the sake of some illusory objectivity... Now, in our postmodern age with its rejection of models, what is more difficult than assessing the quality of creative writing？ In our approach, we suggest restoring confidence in the teacher, an expert reader if any, who, acting as a publisher, dramaturge, or mere aesthete, knows how to take his pupils＇ texts seriously, acknowledge their aesthetic value, and look at apparent clumsiness as a possible promise of innovation. The teaching of creative writing lies both in this specific reception of budding works and in the teacher＇s performative utterances that, then and there, make the pupil a writer.
文摘Learning English with specific purpose （ESP） initiatives domain knowledge and language ability with English learning to meet future job demands （Leroux ＆ Lafleur, 1995; Khan ＆ Khan, 2015）. In the information age, the innovative technologies of mobile devices make the dramatical changes in ways of teaching and learning （Atkinson, 2011; Bierstaker, Janvrin ＆ Lowe, 2014, Pittaway, 2012; Yang ＆ Che, 2015）. The focus of this study aims to examine ESP college students＇ English learning performance by using Context Aware Mobile Situated Learning （CAMSL） in Tourism and Hospitality Management field and other majors. The mixed research method is conducted for data collection and analysis. The quantitative data are collected by examining students＇ learning performance; the qualitative data are allowed to understand the students＇ perspective toward their role in using the CAMSL with Tourism related content. Eight-three students are randomly selected and divided into two groups： 42 students are assigned in the experimental group A （CAMSL）, and 41 students are assigned in control group. Two groups of students receive pretest and posttest to examine their English performance. Besides, twenty students from group A and B are selected for online survey. The survey is mailed directly to students＇ email account. Results represented by using CAMSL show the significant improvement on students＇ learning performance. In addition, the survey data indicate the benefits of using the CAMSL help students enhance their academic discourse, develop their learned knowledge to represent their profession, use English properly to speak themselves up, and provide the effectiveness of obtain domain knowledge in future workplace.
