You will prepare and submit a term paper on Adoption of Biometric System to Control ATM fraud. Your paper should be a minimum of 750 words in length. Looking forward to hearing from you and partner with you in providing business solutions that give value to your customers. Yours faithfully, Head of Business Security Systems Practical proposal about ATM fraud Introduction Fraud attempts targeting Automated Teller Machines (ATMs) cards are on the rise. Skimming is one of the techniques used by criminals in this case where they scan or copy personal information from the magnetic strip of a credit card or ATM card. With this information, all the fraudsters need is fake ATMs and use the Personal Identification Number (PIN) to access one’s bank account and defraud customers. This has gone to the extent of bank-owned ATMs with the recent percentage of this criminal activity going as high as 24% in Europe (Abagnale 89). The act is often perpetrated by techno-savvy individuals, where they use a microchip fixed at an ATM or cardholders which copies information from the magnetic strip for all the cards that are being used on a given machine. The information is then copied and printed on fake cards. This has led countries like Canada to adopt more protection for their ATM cards. A typical example is the use of chip-and-PIN debit cards which have more protection in the form of an extra layer of chip material. Cards developed through this technology are hard to replicate thus reduced losses as a result of card skimming (Bianchini et al., 233). Business transactions world over are increasingly being settled using cards as opposed to cash-based settlements and therefore, without embracing innovative technologies that aim to prevent fraud than detection, card issuers and users will remain vulnerable. As use of cards increases, so are ATM Fraudsters. Most card issuers mainly banks continue to incur huge costs in terms compensations, card replacement, and cost of investing in fraud prevention and detection mechanism. Therefore, there is a need for card issuers to be ahead of the game by innovating and adopting far near fraud-proof technologies (Newman, 3-4). Proposed Solution Since the chip-and-PIN is not foolproof, we need to employ the use of more sophisticated technologies. One such technology that has stood the test of time is the biometric technology, which involves automated identification and data capture (AIDC). The system has automated methods of verifying the identity of persons using physiological attributes as opposed to the chip and PIN, which involves manual keying in of information on a keyboard. Normally, the technology works by capturing the physiological or behavioral characteristics for the first time which is then stored in a central database. Information recorded may include facial properties or fingerprints. Every time a customer accesses a point of services, installed devices captures, verifies and identifies the person and then gives them access. Since it is almost impossible to impersonate one’s physiological attributes, this technology is more recommended to card issuers. The technology has been tested in both private and public institutions with remarkable success. In fact, most organizations are now moving towards adoption of this technology.&nbsp.

Hello, I am looking for someone to write an article on HSBC Pink Ladies Campaign. It needs to be at least 2000 words. In December 2014 HSBC has rolled out a TV advertisement on Christmas Day (Spary, 2014). The campaign is launched at Christmas and thus creates an atmosphere of dreams’ fulfillment. The advertisement with a creative name “Pink Ladies” tells the story of the supporting network of pink ladies who help young, ambitious and goal-oriented (Spary, 2014). The story is centered on a young hairdresser who dreams about the further study of fashion designer, but who does not have enough funds for implementing this dream to reality (Spary, 2014). A group of women with pink hair pay for a study of this woman and thus help the dreams of a young lady to come true. Thus, HSBC advertises its Advance bank account.

The primary objective of the “Pink Ladies campaign” was to support the relaunch of HSBC’s Advance bank account (Spary, 2014). By this campaign, HSBC aimed to increase awareness about its bank products among young ambitious consumers. In addition to increased brand/product awareness the objectives of the campaign could be formulated in the following way: to spread the message across its target audience, to build trust in the bank, and to foster the decision to become a client of an HSBC.

Identification of the target audience is one of the initial activities before the development of any marketing or advertising activity. Based on the information presented in the “Pink Ladies” campaign it is possible to identify the audience that the company is aiming to reach.

First of all, the campaign targets young people, who are ambitious and goal-oriented, and who seek for career/professional or personal development. This category of people needs some support and funding in order to achieve their goals. More likely that this category also included young adults with entrepreneurial skills who want to start their own business but do not have sufficient funds for it. The campaign also appeals to the parents of young adults who seek for higher education opportunities.

Provide a 6 pages analysis while answering the following question: Formation of the Classification of the Male Voice. Prepare this assignment according to the guidelines found in the APA Style Guide. An abstract is required. Musical theorists and pedagogues differentiate three main types of male voices as well as a great number of their subtypes. Despite a bulk of literature on the issue, voice categorization is still hotly debated. Although there are controversial questions within the issue, one thing is clear: voice categorization is what helps singers save their voice for many years as it helps match repertoire and voices, and this face proves the importance of the problem. This paper is focused on the process of the formation of the classification of the male voice.

At first, it is necessary to define a range of terms, which are used when it comes to the issue of voice categorization. One of the main and, perhaps, one of the first vocal qualities, the vocal range plays a significant role in the classification of voices. Put in simple words, it is the interval between the lowest and the highest note a specific voice can sing. very often, vocal pedagogues specify the definition mentioning that range is the interval between musically useful notes a voice can produce (Boldrey & Caldwell, 2000). This suggests that different voices may have similar ranges but the quality of sound produced may differ. Due to this, in the nineteenth century, one more quality was adopted as one of the primary criteria, and this is regarded as an important shift in the formation of voice classification.

This refers to the Italian term “tessitura”, which is defined as the most comfortable range for a singer to perform within and in which a voice performs with ease of sound and production. The idea of having special ease of sound is directly associated with the introduction of the category of timbre (Cotton, 2007). The latter is defined as the color and the size of the voice (Boldrey & Caldwell, 2000). In the context, size is not a measurable quantity but rather the ability to project in different settings.

I need help creating a thesis and an outline on Four Types of Experimental Designs. Prepare this assignment according to the guidelines found in the APA Style Guide. An abstract is required. This report examines four fairly common research methodologies: survey research, case study research, ethnography, and mixed design. The pros and cons of each design are assessed, and examples are given. A survey or questionnaire is considered to be a relatively accessible, flexible research option. Generally, flexible designs offer benefits to research that is willing to change as new variables come up throughout the process, whereas fixed or quantitative designs such as will be mentioned later, offer benefits to research that is about stabilizing and controlling a certain state of variables or predictions. The quantitative or qualitative survey method is a popular choice among researchers. This methodology differs from explicit ethnography in that it is more rationalized and quantitative in nature, and primarily seeks to answer research questions through the proposition that scientific research cannot be proposed without substantive or grounded data to back it up. This makes the use of statistical information very popular with other type theorists, but getting statistics on the future is difficult, and therefore this is another appropriate reason for the research subject to be covered in a quantitative survey manner, rather than grounded theory or ethnographic methods. When researchers use a survey, they often wind up finding out new research questions and directions, while measuring the opinions and attitudes of subjects. At the same time, they can present their data in a scientific way, through the use of ANOVA, SPSS software, and other methods.

Compose a 1000 words assignment on the theory of endogenous money. Needs to be plagiarism free! endogenous money theory based its arguments on classical economics, it proved a constructive attempt for providing alternative theoretical framework for dealing with unsatisfactory IS/LM model. As of now, policy makers are receiving utterly contrasting advice from economists concerning how to surmount the prolonged financial sprawl in the USA and Europe: a number of them propose austerity while others advocate for deficit spending. With this regard, this paper will seek to assess the arguments and the probable impact of both policy extremes in the light of the theory of endogenous money.

Fiscal austerity as well as fiscal stimulus brings about numerous impacts on the economy of a country, depending on the level or degree in which they carry out the redistribution of income to both the low and high earners. After the 2007/2008 economic slump, many nations continued to struggle with the view of reducing government debt levels. However, as time went by, it came to a point where the US and Europe’s governments accepted that they faced great level of government debts and as such, they ought to increase their revenue, cut their spending, default on their obligations, or thereof combine all of them. Some policy makers recommend austerity because it is an intriguing option and rarely takes place on government debt even at times when the available solution is painful (Keen and Grasselli, 2012:3). In spite of the measure that default increases the future borrowing cost sharply, austerity leaves tax increased and the level of government expenditure cut.

Fiscal austerity, in a number of ways, seems to be the contrast for of fiscal stimulus policies. This is so because it leads to tax cuts and increase spending applied by government at times whose purpose is to expand the country’s economy. With reference to the endogenous theory, some policy makers seem to propose austerity due to its impacts.