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Emergence of bancassurance as distribution channel

With the opening up of the insurance sector and with so many players entering the Indian insurance industry, it is required by the insurance companies to come up with innovative products, create more consumer awareness about their products and offer them at a competitive price. New entrants in the insurance sector had no difficulty in matching their products with the customers’ needs and offering them at a price acceptable to the customer. But, insurance not being an off the shelf product and one which requiring personal counseling and persuasion, distribution posed a major challenge for the insurance companies. Further insurable population of over one billion spread all over the country has made the traditional channels of the insurance companies costlier. Also due to heavy competition, insurers do not enjoy the flexibility of incurring heavy distribution expenses and passing them to the customer in the form of high prices. Introduction to bancassurance: With these developments and increased pressures in combating competition, companies are forced to come up with innovative techniques to market their products and services. At this juncture, banking sector with it’s far and wide reach, was thought of as a potential distribution channel, useful for the insurance companies. This union of the two sectors is what is known as Bancassurance. Research methodology Research Objective: To study the critical issues involved in emergence of bancassurance as an alternative distribution channel to captive agents for insurance products in India Literature Survey: Many researchers and practitioners in recent have studied the importance and emergence of bancassurance as an alternative distribution channel to captive agents. Most of the project has been modeled on the basis of articles published in journals, magazines and interviews of industry experts. Some primary research in form of interview of some industry people has also been undertaken on their views on the topic. Channels of Distribution Personal distribution channel Captive/Tied agents: Insurance sales agents who work exclusively for one insurance company are referred to as captive/tied agents. Agents prepare reports, maintain records, seek out new clients, and, in the event of a loss, help policyholders settle their insurance claims. Increasingly, some are also offering their client’s financial analysis or advice on ways the clients can minimize risk. Insurance sales agents commonly referred to as “producers” in the insurance industry, sell one or more types of insurance, such as property and casualty, life, health, disability, and long-term care. An increasing number of insurance sales agents are offering comprehensive financial planning services to their clients, such as retirement planning, estate planning, or assistance in setting up pension plans for businesses. As a result, many insurance agents are involved in “cross-selling” or “total account development.” Besides offering insurance, these agents may become licensed to sell mutual funds, variable annuities, and other securities. This practice is most common with life insurance agents who already sell annuities; however, property and casualty agents also sell financial products. Corporate agents: Firms and not individuals selling policies of Insurance companies. An amendment in October 2002, to the Act of Corporate Agents, recognized banks, and other entities like cooperatives, NGOs and panchayats as intermediaries who can sell Insurance for a commission. While under the old laws the only corporate agent that was recognized, was a firm where all directors were Insurance agents, the new law allows virtually any entity to sell Insurance. The measure has provided a big boost to the private insurers in the country, who have been facing a distribution conundrum. The various channels that can be used under the purview of the amendments are: Bancassurance: Bancassurance in its simplest form is the distribution of Insurance products through a bank’s distribution channel. Banks are straightaway leverage their existing capabilities in terms of database and face-to-face contacts to market Insurance products. Co-operative societies and village panchayats: Rural places and small towns offer a huge potential to the Insurance companies. This potential was largely untapped due to inadequate distribution. The key to market access in these areas can be: Co-operative societies; Village Panchayats; Post Office. The Co-operative societies and village panchayats can act as ‘Corporate Agents’ to sell Insurance products most specific to the community’s needs. NGO: This channel could be used to increase awareness about the Insurance products. As many NGOs have strong presence and a positive reputation in rural areas they can prove to be an effective channel. HelpAge signed as a corporate agent for the Life Insurance Corporation and National Insurance Corporation Other Financial Service providers: financial service providers like India Info line, Way2wealth, Geojit etc. have signed as corporate agents for different insurance companies. The objective is providing the customers a one-stop solution, increase the other income and make effective use of the existing distribution. Broker: An insurance broker will act as an intermediary between the customer and the insurer and his scope of activities will be far wider than that of the agent. Unlike an agent who represents a single insurance company, a broker will represent a minimum of three insurance companies. A broker, as per the client’s requirements, will obtain quotes from various insurers. And as per the requirements of the customer he will advise him on just the right policy that he could go for from a whole range of products available in the market from various insurers. Regulations Insurance brokers are given the required training by the insurance company and have a code of conduct to follow. They are more professional and have minimum capital norms and stringent regulations to be followed as laid down by the insurance regulator. The regulations proposed the minimum capital for a direct broker at Rs 25 lakh while for a reinsurance broker it is Rs 1 crore. Range of products: Insurance brokers are well versed with product information to offer advise on the risk products they sell and hence are in a position to offer a whole basket of risk products of various companies with several options to meet the customers growing insurance requirements. As for the customer, there will be no difference in the price of the product. Brokers fees: Brokerage fee is capped at 17.5 percent. But in certain countries abroad the average brokerage commission is about 18 to 20 percent while in some cases it has gone up to even 30 to 35 percent. The insurance regulator plans to come out with the necessary regulations soon in this regard Advantages Brokers in the urban arena can attract the elite and the upper middle class customer Brokers represent the customer and will sell the products of more than one company They seek to determine the best fit for the client and can effectively address the mind block faced by the public about the various companies Work site marketing: Worksite marketing is the selling of voluntary (employee-paid) Insurance and financial products at the worksite. The products may be on either an individual or group platform and are usually paid through periodic payroll deductions. Another potential channel that reduces the need for an owned distribution network is worksite marketing. Insurers will be able to market pensions, health insurance and even other general covers through employers to their employees. These products may be purchased by the employer or simply marketed at the workplace with the employer’s co-operation. Advantages: Captive customer base Potential to sell individual insurance and group insurance High trust factor High hit ratio for the intermediaries Challenges: Cost effectiveness Product customization Efficient post sales servicing Technology has a key role to play in worksite marketing to ensure cost benefits. Direct response distribution channel: – Direct response distribution systems are the method whereby the client purchases the insurance directly. The limitations of reach of direct medium like internet and lack of such culture has seen limited growth of this medium via the personal distribution medium Internet: – All leading insurance companies have websites with product features, other details and application forms for closing sales. However, due to lack of technological aptitude and lack of penetration of the medium this medium is not very effective. In near future this channel can be handy for selling simple off the shelf products. In our countries context, these channels by themselves will not be able to overcome the mindset of the people, but rather can only be enablers for the human channels At present most of the insurance companies, have product information and/or illustrative tools on the web. Call centers for tele marketing: – Call centers make effective use of databases provided to them and make he customers aware about their product features etc. However, as because insurance is a high involvement product it is practically impossible to close a sale over the telephone. It for sure can only act as an enabler for human channels. Direct mail- another effective use of database can be for sending direct mailers. Direct mailers can be in form of electronic mails or snail mails. The companies for the shear reason of their cost effectiveness prefer electronic mails to snail mails. Need for bancassurance The growth of Bancassurance as a distribution channel can be ascribed to the following: Conducive environment: Progressive dismantling of laws relating to undertaking of insurance businesses by banks, increasing use of electronic channels and automation, growing needs for private retirement plans to complement public pensions, the concern for providing total financial services to customers, etc. have paved the way for Bancassurance. Cost effectiveness: Insurers look to Bancassurance as an alternative cost effective mode of distribution as against the costly agency services. It is estimated that 50% of the insurers cost structure is directly or indirectly related to distribution Fee-based income: A bank expects to increase its fee-based income and overall productivity by leveraging its branch network, brand image and client base by optimally using its assets/infrastructure and by positioning itself as an one-stop-shop with value-added service for its customers, thereby increasing customer loyalty and retention. Bancassurance enables a bank to satisfy the risk protection needs of its clients without assuming underwriting risk. Fund Management: Life insurance (where premium is about 55% of the insurance premium worldwide) is a savings market. It is one of the methods to increase the deposits of banks. Both life and non-life insurance business provide additional flow of float funds besides fee based income to banks, through the same channel of distribution and with the same people. Innovations and efficiency: Increased convergence of banking and insurance would lead of melding of their corporate cultures, skill and synergising/innovating the marketing of financial services. What is bancassurance? Bancassurance in French or All finanz (Universal Banking) in German, simply put, means using the bank’s distribution channels to sell insurance products. The philosophy behind Bancassurance is to combine the manufacturing capability sand selling culture of insurance companies with the distribution network and large receptive client base of banks. It is a phenomenon wherein insurance products are offered through the distribution channels of the banking services along with a complete range of banking and investment products and services. To put it simply, Bancassurance tries to exploit synergies between both the insurance companies and banks. Bancassurance if taken in right spirit and implemented properly can be win-win situation for the all the participants’ viz., banks, insurers and the customer. Models of bancassurance Different models of bancassurance on basis of depth of relationship between bank and insurance company Different Bancassurance business models as given below are prevalent in different countries: Distribution agreements: In simplest form called ‘tied agent’, the bank’s personnel sell the products of one insurer exclusively, either in stand-alone basis or bundled with bank products. Strategic alliance: This is a higher degree of intervention in product development, service provision and channel management by way of bank investing sizably in insurance business without any contingent liability. Joint venture: Here a large bank with a well developed customer database partners with a large insurer with strong product and channel experience, to develop a powerful new distribution model. Alternatively, a bank and insurance company may agree to have cross holdings between them to share the profits. Financial service group: Under further integration between a bank and insurer, an insurance company may build/buy a bank or a bank may build/buy an insurance company. Thus banks could associate themselves with insurance companies by becoming a distributor or by being a strategic investor or developing a joint venture or by becoming a promoter. Most of the bancassurance operations fall in the first model. Different models of bancassurance on basis of sales force Insurer employs sales force
Patricia Piccinini and David Hockney Comparison. Art explores many elements of life and the world. It explores and represents meanings in which are interpreted by the audience in various ways. Artists use different techniques to enhance their own individual message or perspective, whether it be distinctively clear or subtle. Artists such as Patricia Piccinini explore identity through life-like animal sculptures that resemble human characteristics. Her message is more powerful in analysis rather than first glance. David Hockney is also an artist who explores identity of the individual by representing life’s journey through his technique of photo montage. Art is the representation of the many elements of human life. It is the expression of emotion, the representation of objects or landscapes, life experiences and it can also be the representation of people and events. Identity can be represented as well as constructed in the visual arts. Many artists are able to do this in diverse and individual ways. Patricia Piccinini’s controversial artworks explore the identity and contrast between human and animal life. David Hockney’s photo montage illustrates a very different approach to represent and construct identity. His artwork explores this concept through a narrative based artwork that represents life’s individual journey each must take in order to construct one’s true identity. However, it is not only these two artists that explore identity. There are numerous artists who explore identity in a variety of ways. Some more subtle than others. This is because identity can be explored in so many different ways. Identity can be seen as a national identity, community identity, cultural, physical, professional, individual, sexual-orientation or marital status etc. There are many artists that explore these identities. Piccinini has explored the physical identity and relationship between human and animal. Whereas Hockney has explored the individual identity, and the path we journey through our lives Identity can be defined as individual characteristics by which a person is recognised or known. “Art is a mirror image of a person’s identity, circle of influence, and perceived worlds or realities. Art reflects what we feel, think, practice, believe, or imagine” (Gaskins, N. 2010). Both Patricia Piccinini and David Hockney represent this in different ways by taking different approaches. Piccinini’s work is known for her extravagant and controversial life-like sculptures which present a more obvious meaning than that of Hockney. Through the use of symbolism, Hockney’s photo montage creates a more subtle representation of identity. It is only with more analysis that Hockney’s creation can be more understood. Although the audience perspectives can vary in conclusion as each individual can perceive this narrative type artwork and relate to the journey offered and constructed in different ways. The Young Family (2002-3) “Apart from the image that is represented, there is often a second meaning within the artwork”, (Clack, M. 2010). At a glance; the work of Patricia Piccinini is disturbing and questionable, hence the reason for the controversial perspectives. However if looked at with more depth and analysis, her artworks become interestingly engaging. The way in which she represents and constructs identity is far different to other artists. ‘Patricia Piccinini is an artist who explores the frontiers of science and technology through her sculptures, photographs and video environments’ (Kent, R. 2002). Within her artwork she is able to construct a powerful message; that enables her to express personal view on a topic. ‘The work makes public something other than itself; it manifests something other; it is an allegory’ (Clack, M. 2010). ‘Personal identity and the issues surrounding it lie at the core of Piccinini’s project. Her works invite the question: what is it that makes us who we are?’ (Kent, R. 2002). Her artwork titled, ‘The Young Family’ (2003) has sparked a lot of controversy because of the many perspectives it represents. Her life-like imagery is ‘about compromises – about being able to find beauty in a world which can never be perfect.’ (Papastergiadis, N. 2002). This artwork explores the distinction between animal and human characteristics. The similarities of both identities are obvious, which is what Patricia Piccinini is trying to portray. In a political and scientific perspective ‘the inspiration behind this work is the expectation that we have of growing human organs in other species’ (Piccinini, P. 2003). In this artwork motherhood is one of the traits we share with animals; Patricia Piccinini has evidently shown this. “From synthetic landscapes to artificial life forms, Piccinini creates a world in which fact, fiction and fantasy co-exist. She begs the question: what, in our rapidly changing world, constitutes ‘the real’ anyway?” (Kent, R. 2002). Pearblossom Hwy (1986) David Hockney’s artwork, “Pearblossom Hwy’ approaches the representation of identity in another way. ‘Hockney’s work clearly depicts his life and his love ones” (Research Paper 2008). Represented in his artworks is a timeline of individual life on earth. He identifies that individuals have many paths they need to be inevitably travelled with many obstacles on the way. The art work consists of a lot of symbolism. Hockney has used the various stop signs in order to represent the individuals own life obstacles. In life many people will stop to think, is this decision I’m about to make the right one? What path should I follow next? Who am I as an individual? etc. One of the many perspectives this artwork offers is that “the collage is trying to say that in the beginning of life, people are unknowing of what they will do in their future or that they are lost in life. The end of the highway symbolizes certainty and strength about one’s life”. (Research Paper 2008). Hockney’s art is created for his viewers. “His drawings are designed in a special way so that they can be animated to be in the mind of the viewer” (Research Paper 2008). David Hockney’s aim is to take the audience on a journey that he has created, but one that means something different to each individual. This journey is the exploration of identity. He has captured within this artwork the similarities in life’s journeys, but it is how each individual interprets the story. “Identity varies from society to society and individual to individual as variation of systems or personality” (Art. 2010). In comparison to Patricia Piccinini’s artwork, ‘The young family’, Hockney’s artwork relates solely to each individual. It explores numerous story lines as the interpretation of his artwork differs for each audience member. The identity he explores is more easily related to than that of Piccinini. Patricia’s outlook on identity explores the similarities between human and animal characteristics, very similar to the evolution theory, the apes’ transition into human form. “Ideas about nature and its simulation are central to Piccinini’s works, inviting us to question what is ‘real’ and what is not” (Kent, R. 2002). Whereas Hockney’s, ‘Pearblossom Hwy’ explores the concept of ‘what will the individual’s future bring? Who am I? Who will I become?’. It is more an intimate reflection of one’s self. In conclusion, there are many artists who explore and represent identity in many forms and techniques. So in evaluating what is art. Many believe that it is the representation of the many elements of human life such as emotions, objects or landscapes, life experiences, people and events. Patricia Piccinini and David Hockney, while they both explore identity, their ideas and perspectives are entirely different. Patricia Piccinini’s controversial artworks explore the identity and contrast between human and animal life. While David Hockney’s photo montage illustrates a narrative based artwork that represents life’s individual journey each must take in order to construct one’s true identity. Patricia Piccinini and David Hockney Comparison

Arab Open University Social Status and Roles of Each Speaker in Society Essay

Arab Open University Social Status and Roles of Each Speaker in Society Essay.

I’m working on a grammar Essay and need an explanation to help me study.

JONATHAN HAREundefinedThe rule of s– radio engineers is always have the one hand in one pocket … and just use one hand.undefinedKATE HUMBLEundefinedReally?undefinedJHundefinedReally yeah ‘cos if you’re holding the chassis of things and you get electrocuted, it’d be bad.undefinedKATHY SYKESundefinedOkay and the thing is, this huge voltage right … we’re expecting a little spark to happen inside there.undefinedJHundefinedYeah basically when the current goes through, it produces a magnet … which attracts this … and then turns it off … and so initially all that energy that’s stored in there then produces the spark, it breaks down the air.undefinedKHundefinedBecause … electricity can’t usually go through air, can it?undefinedKSundefinedNo it’s just like a little tiny lightning bolt, okay?undefinedJHundefinedBreaks down the air …undefinedKSundefinedSo it’s a little baby lightning strike.undefinedJHundefinedYeah, not a big one …undefinedJHundefinedYeah, not a big one …undefinedKHundefinedThat’s incredible.undefinedJHundefinedIt’s only going to be a little bit, but it shows you how much voltage there is.undefinedKHundefinedOkay, am I allowed to swap between you so I can see it?undefinedKSundefinedSure.undefinedKHundefinedOkay well let’s hope it …undefinedKSundefinedAll right, are you ready to go? Hand in pocket like Jonathan says, here we go … Oh wow!undefinedJHundefinedYou can see the sparks.undefinedKHundefinedBright blue!undefinedJHundefinedYeah it’s lovely.undefinedKSundefinedHey … hey hey hey I want to see now.undefinedKHundefinedSo is it almost like when there is a storm going on, and you’re watching TV or you have a radio on, and you get … it’s like an interference or something, is that basically how this is working?undefinedJHundefinedYeah, I mean this is actually producing radio waves but we don’t call it interference this time, because it’s actually a noise we want, but it’s radio waves, that interference is actually radio waves that you don’t want, so you call it interference.undefinedKSundefinedAnd you’re absolutely right, that’s what happens when lightning strikes.above is the spoken text i need analysis of the main function of each turn in the conversation in terms of command, offer, question and statement, discuss how this conversation analyzes and explains the relationships between the interactants. Think about the distribution of turns, the function of turns, and the lexicogrammatical realizations.
Arab Open University Social Status and Roles of Each Speaker in Society Essay

Oceanic Art Objects Research Paper

custom writing service Oceanic Art Objects Research Paper. The foremost stylistic commonality between Matua, Abelam and Baining people’s masks account for the fact that all three of them emanate the unmistakable spirit of aesthetic primitiveness. In its turn, this spirit is being reflective of the designers’ of all three masks tendency to hypertrophy their masks’ facial features. For example, Matua mask features the unnaturally long and grotesquely protruding tongue. In its turn, the design of Abelam mask appears to be subliminal of its creator’s deep-seated anxieties as to what he or she perceived as the ‘power of eyes’ – hence, the unnaturally enlarged eyes, featured on this particular mask. Baining people’s mask, on the other hand, places emphasis on the stylistic distinctiveness of both: eyes and lips. The actual reason why the earlier mentioned aspects of all three masks’ stylistic distinctiveness appear to reflect the creators’ rather unrefined sense of aesthetics is quite apparent. Artist’s tendency to hypertrophy a particular facial feature, at the expense of paying lesser attention to other features, signifies his or her inability to mentally conceive its artistic creation as a whole, before it assumes any physical shape. Apparently, those who designed all three masks experienced a certain cognitive difficulty, throughout the course of a creative process, because these masks’ appearance radiates the aura of a ‘creative impulsiveness’ – the concerned artists did not have much of a ‘plan’ as to what their masks’ exterior would end up being. They simply acted on behalf of their animalistic anxieties. The foremost characteristic of a highly refined artistic style, however, is such a style’s detachment from ‘animalistic unconsciousness’. Nevertheless, it would be wrong to suggest that this implies all three masks’ aesthetic sameness. Moreover, there can also be few doubts that, theoretically speaking, all three masks represent a certain artistic value. The validity of this statement is being specifically illustrative in regards to Matua mask. After all, just as it is being the case with truly valuable pieces of art, this mask appears being capable of invoking a number of strong emotions in spectators. However, given this mask’s vicious appearance, we can hypothesize that these emotions would be necessarily fear-driven. Essentially the same can be said about Abelam mask, in regards to how it is being capable of triggering strongly defined emotional responses in onlookers. Yet, there is a difference – whereas, Matua mask’s foremost aesthetic purpose is being concerned with its ability to intimidate, Abelam mask appears to have been designed to dazzle. This is because, even though this mask’s unnaturally enlarged eyes are still being recognized by spectators as ‘eyes’ per se, their appearance emit a strong spirit of a bizarre strangeness. Baining people’s mask also has the power of evoking a number of different emotions, in those who gaze upon it, which can be explained by the fact that this mask features disproportionally enlarged eyes and lips. And, it is in people’s very nature to pay attention to what their unconsciousness defines as ‘unnatural’. Yet; whereas, the majority of mentally adequate individuals find the artistic emanations of ‘unnaturalness’ as being rather aesthetically distasteful, there many intellectually primitive people for whom these emanations do appeal. Apparently, whoever created Baining mask, had a good reason believe that his/her creation’s appearance would correlate with the workings of people’s primeval psyche, which in turn tend to ‘subjectualize’ nature, as opposed to ‘objectualizing’ it, as it is being the case with the workings of intellectually advanced individuals’ psyche. What has been said earlier about masks, applies to the Solomon island male sculpture, the Maori island sculpture and the Rapa Nui sculpture, as well. That is, all these three sculptures feature disproportionally enlarged body-parts – specifically, heads. This, of course, has to do with the fact that the creators of these sculptures have never even heard of what the concept of linear perspective stands for. Therefore, it does not come as a particular surprise that all three sculptures emanate the clearly defined spirit of an aesthetic primitiveness. The grotesque subtleties of this impression are being strengthened even further by the fact that, unlike what it is being the case with Western practitioners of an ‘artistic primitivism’, those who created these sculptures did try to make them as realistically looking, as possible. The validity of this suggestion can be illustrated in regards to the protruding penis, prominently displayed as a part of the Solomon island sculpture, for example. Evidently, ensuring that spectators would be able to properly identify this sculpture’s gender-affiliation, was an integral part of its creator’s artistic agenda. This, of course, implies that that there was not much of an ‘art’ to this agenda, in the first place – just as there is not much of an ‘art’ to the drawings of three-year-old kids. The observation of what accounts for the qualitative nature of all three sculptures’ facial expressions, supports the legitimacy of this suggestion even more. This is because there can be few doubts as to the fact that: these expressions were supposed to emanate emotional intensity (all three sculptures were supposed to look utterly angry/evil), artists lacked the basic understanding of what accounts for ensuring sculptures’ three-dimensional life-likeness. Therefore; whereas, these sculptures may indeed appear ‘scary’ to the people who failed to evolve beyond the Stone Age, intellectually advanced Westerners, endowed with the well-developed sense of an artistic finesse, will experience a hard time trying not to laugh, while exposed to the sight of the earlier mentioned sculptural ‘masterpieces’. Nevertheless, even though that the aesthetic primitiveness is the most easily identifiable feature of all three sculptures, there are variations to this primitiveness in each individual case. For example, the Solomon island male sculpture does not appear being decorated with any woodcarving ornamentations, whatsoever. The same, however, cannot be said about the Maori sculpture – it is being richly decorated with a number of such ornamentations. This, of course, significantly increases the artistic value of this particular sculpture. Apparently, its creator was endowed with the rudimentary sense of aesthetics, after all. Unfortunately, this clearly has not been the case with the creator of Rapa Nui sculpture. After all, even a brief glance at the concerned sculpture reveals the fact that its author did not only lack the sense of bodily proportions, but that he/she clearly thought of female breasts as such that serve solely functional purposes – hence, sculpture breasts’ utterly unsightly appearance. This again points out to the spirit of aesthetic primitiveness, emanated by this particular sculpture – just as it is being the case with all primitive savages, the creator of Rapa Nui sculpture used to think of surrounding reality’s manifestations in terms of how they relate to the notions of usefulness, on the one hand, and non-usefulness, on the other. What it means is that Rapa Nui sculpture cannot have any aesthetic value, by definition, because being intellectually primitive individual, its creator would never be able to understand the difference between the concepts of ‘beauty’ and ‘ugliness’, in the first place. Oceanic Art Objects Research Paper

Body Sensor Network: A Modern Survey

ABSTRACT As because of modern emerging technologies, low power integrated circuits and wireless communication has enabled a new generation of sensors network. The incorporation of these sensors networks in Health care is very popular and plays a vital role in breath breaking situations. The deployment of monitoring hardware incorporated with various wireless standards plays a key role in regard to interoperability, invasion privacy, sensors validation data consistency and interference related issues. The goal of our paper is to make a comparative study in realm of modern wireless trends such as Bluetooth, Wi-fi, Zigbee and Wibree and related facets. Index Terms- Wireless Body area network, Zigbee, Wi-fi, Bluetoooth INTRODUCTION Now a days, Wireless Sensors Network (WSN) has becomes a assured technology in the realm of advanced applications. The one of its latent position is in the form of unguided biomedical sensor network to determine physiological sign. Wireless Body Area Network (WBAN) is a unguided network utilized for interaction among sensor nodes in or about the human body in order to supervise critical body parameters and activities. These supervising signs are collected by a personal server, e.g. PDC or Smart phones which acts as a sink for the information of the sensors and send them to caregivers for proper health supervising. The personal server have some memory in which some results are arranged which it gives to the patient at the time of emergency it acts like a feedback, if the situation is not handle by the PDC then it transfers the signal to caregivers by unguided media. There are different issues highlighted in the employment of WBAN technology. This survey executes a atomistic review on pronominal investigations that emphasis in procured related facts in WBAN as well as WLAN. This paper is arranged into the different parts which provides a short introduction of WBAN and WLAN and look out attributes of pronominal differences between them and fetch attributes of WBAN and pulls general architecture and handle postulates in WBAN and also intercommunicating much on security issues, we shall also see the features of short range wireless techniques and compare them according to their performance. And at last gear up related investigations in security bare for WBAN. ATTRIBUTES OF WBAN WBAN is a communication network between human and computers through wearable devices. To establish a interaction between these devices, unguided sensor network and ad hoc network techniques may be used. The tiny sensor senses the signals from the body and send it to the processor through unguided media[1]. But due to some emblematic features of WBAN current protocols create for these network are not always feasible to favour WBAN. To favour this level, TABLE 1 modifies the general differences between WSN and WBAN[2][3]. WBAN was introduced from real WSN (WPAN) technologies[4]. WPAN is a personal area network using unguided acquaintance consistently within a short range ( < 100m). It is used for communication among the devices such as cell phones and computer peripherals, as well as personal digital collaborator (PDC). Permissive technologies for WBAN is Wibree, IrDA, Bluetooth, Zigbee , Wi-fi, Ultra-wide band(UWB), etc. Despite this the most promising wireless standard for WBAN application is Zigbee, suite for high level communication. It is IEEE 802.15.4 standard often used in mesh network form to transmit data over longer distances. This allow Zigbee network to be formed ad-hoc, with no centralised control or high power Tx/Rx capable to reach all of the devices. Zigbee is aimed at those applications that require low data rate, low battery life and secure networking. Zigbee is capable of handling large sensors network upto65000 nodes. Another WPAN technology is Bluetooth, IEEE 802.1.1 standard[4]. Basic requirement of WBAN include the requirements of WPAN, such as low power, low data rate unguided sensors network standard Zigbee. Despite the fact that Zigbee does not fetch majority of core technical requirements of WBAN features and the for a standard specifically designed for WBAN. Diagnosticate the great market potential and rapid technological enlargement in this field. The IEEE is ongoing an 802.15.6 standard optimized for low power WBAN favouring at a data rate from 10Kbps to 10 Mbps[1]. The exclusive endowment compared to majority of core WPAN are as follows: WBAN is a small scale network rather than WPAN is a relatively short range communication technique inclusive the communication in or on a human body with the maximum range of (<100m). A star topology is basically used WBAN where communication is organised in the heart of sensor nodes and is directly linked to a master node. Despite, it cannot always meet the desired authenticity requirement. Thus a star-mesh hybrid topology extends the fashionable approach and creates mesh networking among central coordinates in multiple star networks. Gadgets incorporating WBAN are firmly limited in their computational capabilities and required scalable completion; data rate upto10Mbps, and power consumption upto40MW. Data that are detected, collected and transmitted in WBAN is comparatively sensitive; highly secure and confidential. Gadgets of WBAN closely surround the human body to consist of its transportation system are highly safety requirements. ACCUSTOMED ARCHITECTURE The proposed wireless area body network for health monitoring integrated into a border multitier medicine system

Capella Univ Studying Intergroup Relations Embedded in Organizations Discussion

Capella Univ Studying Intergroup Relations Embedded in Organizations Discussion.

This SLP assignment focuses on demonstrating practical application of the concepts discussed in a case.The student will demonstrate understanding of what an organization and business process are, to include describing the relationship between organizational structure and business processes. The discussion is one from a practical perspective using a specific organization as the focus of the discussion.Paste these instructions on the cover page of your case paper, using a small font.After reviewing the required reading for this module (and if you have time the optional reading), and using the work accomplished in the case, select a specific organization and write a 3-page paper addressing the following areas:What organizational development activities did you witness?Describe organizational learning mechanisms used in the organization. Did the organization specifically train individuals on the IT systems to support the processes of the organization?Did some individuals display personal factors that deterred them from learning?Did any parts of the organization display issues that deterred learning?SLP Assignment ExpectationsSubmit at minimum a 3-page paper (excluding cover sheet and references, figures, sections with bullets, and tables), double spaced, no extra spaces, and 1-inch margins, that answers the questions using most of the required reading, and if possible the optional reading and 1 outside reference.The paper will have a proper main heading stating the name of the class, module number, and title of the paper. The paper will also have an introduction that states the purpose of the paper and what will be answered, as well as section headings that guide the reader throughout the evolution of the discussion.Quotations should only be used for definitions so that the student can demonstrate the ability to synthesize and articulate knowledge from the required reading.All assertions and key discussion points are properly cited using APA format. In other words, any sentence or paragraph that contains material derived or synthesized from the background reading or other sources will be cited. References are in APA format. All references are cited at least once.
Capella Univ Studying Intergroup Relations Embedded in Organizations Discussion

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