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  • 7/31/2019 What is a Review of the Literature Sushhhhh


    What is a review of the literature?

    A literature review is an account of what has been published on a topic by accredited scholarsand researchers. Occasionally you will be asked to write one as a separate assignment(sometimes in the form of an annotated bibliographysee the bottom of the next page), but

    more often it is part of the introduction to an essay, research report, or thesis. In writing theliterature review, your purpose is to convey to your reader what knowledge and ideas have beenestablished on a topic, and what their strengths and weaknesses are. As a piece of writing, theliterature review must be defined by a guiding concept (e.g., your research objective, the problemor issue you are discussing, or your argumentative thesis). It is not just a descriptive list of thematerial available, or a set of summaries

    Besides enlarging your knowledge about the topic, writing a literature review lets you gain anddemonstrate skills in two areas

    1. information seeking: the ability to scan the literature efficiently, using manual orcomputerized methods, to identify a set of useful articles and books2. critical appraisal: the ability to apply principles of analysis to identify unbiased andvalid studies.

    A literature review must do these things

    1. be organized around and related directly to the thesis or research question you aredeveloping

    2. synthesize results into a summary of what is and is not known3. identify areas of controversy in the literature4. formulate questions that need further research



    IntroductionLiterature review will document the extent of retail banking by commercial banks thathave optedto expand into retail banking as a new line of business. This chapter alsoanalyses the factors thathave enhanced the use of retail banking and the challengesfaced.Retail banking is the cluster ofproducts and services that banks provide to consumersand small businesses through branches,the Internet, and other channels. As thisdefinition implies, banks organize their retail activities

    along three complementarydimensions: customers served, products and services offered, and thedeliverychannels linking customers to products and services (Ashcraft, 2005).In banking today,as in other service industries, managers must remain alert toconstant environmental changes, andbe ready to redefine their corporate mission andreformulate their marketing policies, plans andstrategies to meet the needs of theevolving, complex marketplace (Karty and Stewart,2006).Theretail finance sector is currently one of the most competitive in the bankingindustry. However, inorder to succeed in such a dynamic market place, Berry (2006)argues that the skills required tobe a successful retail banker are many and varied:ability to demonstrate a deep understanding of

  • 7/31/2019 What is a Review of the Literature Sushhhhh


    consumer needs and revenuegenerating methods, ability to develop new market entry andcustomer retentionstrategies, application of new business models and translating them intorevenuegenerating projects and programmes. A successful product development,effectivedistribution and efficient marketing programme can make a real difference to theretailbanks performance and impact on its bottom line

    Difference Between Savings and Current Account

    Banking now involves essential choice-making between various different types of accounts

    specially instituted for individual needs. There are separate accounts designed for the service

    group and more market-based structures for the business class of society. The difference

    between a Savings and Current bank account lies in the patronization. . . .

    Banking institutions around the world now offer dedicated patrons different accounts for their

    exclusive needs. The various types of bank accounts, now operative include:

    Individual Savings Account; Current Bank Account; Tax-Exempt Special Savings Account; Low-cost Account; Time Deposit or Certificate of Deposit Account; Negotiable Order of Withdrawal Account; Transaction Deposit Account; Money Market Deposit Account; Overdraft Free Account; Automatic Transfer Service Account; Joint Account; Transactional Account.

    The primary difference in these different bank accounts lies in the account balance to be

    maintained and the segment of patronage. While most of the bank accounts now operative,

    like the savings bank account, cater to individuals, some like the current account, are designedto meet the exclusive needs of the business community. The accounts are all financial

    transactions between the customer or business entity and the bank. Both, Savings as well as

    Current accounts, earn a positive (debit) balance or a negative (credit) balance throughout the

    life of the account. While in the former the bank owes money to the client, in the latter, it is the

    other way round.

  • 7/31/2019 What is a Review of the Literature Sushhhhh


    Savings Bank Account

    These bank accounts are maintained by private individuals as well as retail financial institutions.

    The amount saved earns interest and is subject to the issue of checks, only if there is a clause

    permitting the same in the regulations supervising the transactions of the bank in question. TheSavings Account enables the customers to repeatedly save liquid assets and subsequently earn

    monetary return in the form of interest. Savings Accounts are now offered by most credit

    unions, commercial banks, loan associations and mutual savings banks. The account has little or

    no scope to obtain additional funds, but the money set aside and interest earned may be

    accessed via any ATM or bank branch. These accounts also come with a debit card facility to

    enable quick transference of funds. A Savings Account, makes it mandatory to maintain a

    certain amount of fund-balance for a minimum period of time. There are no restrictions on

    access to funds via withdrawals, payments or transfers. Savings Accounts offer the customer an

    itemized list or balance sheet of all financial transactions conducted via a passbook or bank

    statement generated at the end of every month.

    Current Bank Account

    A current bank account is a transactional account designed specially for the business

    community. The account enables businessmen and entities to access flexible payment methods

    and directly distribute money to vendors and suppliers from the account. This is achieved via

    the check book facility, and special arrangements made to accommodate standing orders, debit

    card payments and direct debits into the account. A current account also comes along with an

    overdraft facility that enables the businessman to borrow money from the bank to meet any

    urgent business commitment. They also come along with the 'offset mortgage' facility that

    allows the business entity to purchase property and benefit from the reduction in the rate of

    interest. This 'offsetting' of a credit balance is basically offered against the incurred mortgage

    debt. They attract a higher rate of interest, both earned and payable, since the volume of

    transactions and savings are on the higher side. These accounts are designed to make business

    transactions free of personal-handling of liquid funds and ensure the availability of funds when

    most necessary via exclusive Internet banking. The account is run with the primary aim of

    ensuring that profitable business transactions do not run into deficit due to non-availability of



    Health savings accounts literature reviews

    1 comment

  • 7/31/2019 What is a Review of the Literature Sushhhhh


    July 19, 2010 at 10:41 am

    Austin Frakt

    Im looking for health savings accounts (HSAs) and consumer directed health plan (CDHP)

    literature reviews (and by literature, I mean peer-reviewed health services and healtheconomics papers). A few recent papers on these topics are listed below (with abstracts, orportions thereof, and excerpts). They likely cite much of the rest of the relevant literature.

    Judging from these alone, it doesnt appear as if HSAs/CDHPs are a slam dunk for substantiallylower costs, but we may not have enough experience with them yet to say this with muchcertainty. I havent seen anything that reports results on outcomes, but Im going by abstractsalone.

    Consumer-Oriented Strategies for Improving Health Benefit Design, by Laurence Baker, KateBundorf, and Anne Royalty

    We found 11 published studies that provided evidence the prevalence or effects of CDHPs.Available evidence is insufficient to draw conclusions about the effects of CDHPs. Perhaps themost consistent point is


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