Tuesday, August 6, 2019
I Stand Here Ironing Essay Example for Free
I Stand Here Ironing Essay When reading the short story ? I Stand Here Ironing? written by Tillie Olsen I analyzed the story by using both feminist criticism and the formalist strategy. The author uses a iron as a metaphor for how the woman in the story tells the life of her daughter and why her daughter is the way that she is. In a way the woman lays everything out on the table and irons it out straight. Many single mothers can relate to this story because it tells about the hardships that some unfortunate mothers? have to face. In this story Emily was born during the depression. Her mother had to work because she was a young single parent, as read in the story Emily?s father could ? no longer endure?. I believe that the mother cared for Emily she hated to leave her with her fathers relatives. Olsen wrote that the character did everything by the book she breast fed by the clock like they said. At that time ?they? were the male doctors who thought they knew all about motherhood. As a woman I would think Redmond2 that a woman would know what is best for both the mother and her child. By the end of the story the mother and daughter relationship grew a little closer Emily who lacked meaning found a talent . Emily also gained a sense a sense of responsibility by taking care of her siblings. Olsen uses the iron as a metaphor a number of times through out the story. In the first paragraph the mother says, ?and what you asked me moves back and forth with the iron?. I think that the mother is trying to sort out the good and the bad through out Emily?s life. She tells of what had to be done not what should have been done. The woman realizes that her daughter lacks meaning in life. The mother questions herself on the upbringing of her oldest daughter Emily compared to the other children. In the last sentence of the story it reads ?help make it so that there is cause for her to know that she she is more than this dress on the ironing board, helpless before the iron? What the mother is trying to say is Emily is like she is because that?s how she brought her up it could be un helped at the time the mother is also reassuring herself by thinking she could be worse don?t we all have our faults?
Monday, August 5, 2019
Oral And Written Feedback To Improve Writing English Language Essay
Oral And Written Feedback To Improve Writing English Language Essay This study is an investigation of the perceptions about effectiveness of oral and written feedback on writing of thirty-seven Cambodian English-major students at the National University of Management (NUM). Two instruments were used to collect data from the oral feedback group (N=19) and the written feedback group (N=18) before and after the two-month treatment: questionnaires and student paragraphs. Results indicate that the two groups equally delivered better performance on holistic writing although oral feedback was viewed as preferable to written feedback. While the former positively impacted on both the micro-aspects (i.e. grammar, vocabulary, and mechanics and spelling) and the macro-aspects (i.e. content and organization), the latter encouraged revision only in language and organization. The study suggests that student writing improve, regardless of feedback method; that preference may not associate with revision; that reading be integrated into L2 writing classes; and that re vision may correlate with feedback intake which depends on learner-focus and teacher-student interaction. Introduction Since the late 1950s, attitudes towards the role of corrective feedback have changed along with the evolution of language teaching methodologies grounded on theories of both educational psychology and second language acquisition with the aim of enabling learners to acquire the target language effectively. In the late 1950s and 1960s, the Audiolingual Method (ALM), based on behaviorism and structuralism, was very popular in second and foreign language classrooms. Error correction was seen as helping learners to form good habits by giving correct responses instead of making structural mistakes. In the 1970s and 1980s, Communicative Language Teaching (CLT), developed from nativism, was commonly practised to equip learners with communicative competence in terms of function over form or comprehensibility over grammaticality. It infers that formal correction should be discontinued since it was deemed as interfering rather than facilitating the acquisition of the target language. In the ear ly 1990s, the Interaction Approach (IAA) emerged, and it entailed such three dimensional phases as learning through input, production of language, and corrective feedback that comes as a result of interaction that arises authentically. Since the mid-1990s, the position of feedback, with the dominance of CLT, has been debated among the theorists, researchers, and practitioners in the fields of second language writing and second language acquisition. In 1996, Truscott, for example, claimed that feedback on student writing should be discarded because it is ineffective and harmful. Ferris (1997), on the other hand, argued that feedback is virtuous as it enables L2 students to revise their own writing and assists them to acquire correct English. Because research evidence was scarce in support of feedback, both Ferris and Truscott called for further research into questions about the impact and provision of feedback on L2 student writing (Bitchener Knoch, 2009). Accordingly, a great body of research has been conducted with a look into teacher written feedback: correction strategies (e.g., Bitchener, Young, Cameron, 2005; Ferris, 1997; Ferris Roberts, 2001; Lee, 1997; Sugita, 2006), feedback forms (e.g., Hyland Hyland, 2001; Silver Lee, 2007; Treglia, 2008), feedback foci (e.g., Ashwell, 2000; Ellis, Sheen, Murakami, Takashima, 2008; Sheen, Wright, Moldawa, 2009), students attitudes toward feedback (e.g., Alamis, 2010; Lee, 2004, 2008a; Saito, 1994; Treglia, 2008; Weaver, 2006), and teachers beliefs about feedback (e.g., Lee, 2004, 2008b). These studies suggested that feedback plays a pivotal role in helping L2 students improve the accuracy and quality of their writing. This finding is in line with the Vygotskyan model o f Zone of Proximal Development (ZPD) which claims that learners need to be provided with scaffolding to be capable of reaching a stage of autonomy and accuracy (Patthey-Chavez Ferris, 1997). However, many of the studies have design flaws in terms of the small sample size or of not having a control group. Other studies explored the effectiveness of other feedback techniques: oral feedback or teacher-student conferencing (e.g., Hedgcock Lefkowitz, 1992; Hyland, 2003; Marefat, 2005; Sheen, 2010a, 2010b), peer feedback (e.g., Kamimura, 2006; Rollinson, 2005; Tsui Ng, 2000), reformulation (e.g., Hyland, 2003; Santos, Lopez-Serrano, and Manchon, 2010), audio-recorded feedback (e.g., Huang, 2000; Jordon, 2004), and computer-mediated commentary (e.g., Ferris, 2003; Hyland, 2003; Hyland Hyland, 2006). However, most of the studies failed to examine which feedback mode was more effective in improving student writing. Even though some of them were comparative in nature, the studies were conducted solely with a group of English-as-a-second-language (ESL) learners. As a result, conclusion is hard to be drawn with regard to the effectiveness of each feedback strategy when it is applied in another classroom setting where English is in the Kachrus (1985) expanding circle or where English is taught as a foreign language. As Ferris (2003) put it, What is preferable cannot be equated with what is effective, and what is effective for one student in one setting might be less so in another context (p. 107). In light of the aforesaid insightful and encouraging premise, this current quasi-experimental research attempts to compare teacher oral and written feedback in terms of perceptions and efficacy among Cambodian English-major students at the National University of Management (NUM henceforth). Definition of Terms: Oral Feedback and Written Feedback According to Rinvolucri (1994), the term [feedback] originates in biology and refers to the message that comes back to an organism that has acted on its environment. In biology it describes a neutral process, a link in the chain of action and reaction. (p. 287) In second language writing, feedback can be defined as input from a reader to a writer with the effect of providing information to the writer for revision (Keh, 1990, p. 294). Simply put, the teacher suggests changes that will make the text easier for the audience to read, or that help the writer to be more aware of and sensitive to his/her reader. When the writer of any piece of writing gets the perspective of the reader, then that writer is able to see more clearly where any points of confusion exist. As Keh (1990) elaborates, The writer learns where he or she has misled or confused the reader by not supplying enough information, illogical organization, lack of development of ideas, or something like inappropriate word-choice or tense (p. 295). In this study, feedback can be operationalized in terms of oral and written feedback (Berg, Admiraal, Pilot, 2006; Hedgcock Lefkowitz, 1992; Hyland, 2003; Hyland Hyland, 2006; Patthey-Chavez Ferris, 1997; Sheen, 2010a, 2010b). Oral feedb ack (OF) refers to the provision of feedback on errors and weaknesses in content, organization, and language (i.e. grammar, vocabulary, mechanics and spelling) through face-to-face conferencing lasting about five minutes for each student-writer. In so doing, the teacher gives comments (in the forms of questions, imperatives, praises, and suggestions), provides correct forms or structures in faulty sentences, tells the location of errors, makes recasts, and gives prompts in the forms of elicitation, clarification requests, and repetition of errors. Written feedback (WF), on the other hand, refers to the correction of errors and weaknesses in content, organization, and language through writing on student paragraphs. In this regard, the teacher makes use of direct versus indirect correction, coded versus uncoded feedback, and marginal versus end comments, in the forms of corrections, questions, imperatives, praises, and suggestions. Literature Review Written feedback A number of studies have been done to examine what to be commented on for substantive revision. For example, Ellis (1994), reviewing several studies on what effect formal corrections have on language acquisition, concluded that the learners whose errors are corrected improve the accuracy of producing existential structures (i.e. There is/are). However, the Ellis-reviewed studies entail only focused feedback, meaning that only one linguistic feature is targeted. Kepner (1991), in a comparative study of feedback on content and grammar, found that students who receive content feedback produce writing that has better content than those who receive grammar feedback. He also found that students who receive formal feedback do not produce fewer errors than the uncorrected group. In another study, Leki (1991) asked 100 ESL freshmen to complete questionnaires to examine how effective feedback was and how they reacted to the positive and negative comments on both form and content. He found that correcting errors in both form and content is beneficial since good writing is viewed as equated with error-free writing. Moving a step away from what to be commented on, several studies have been carried out to investigate how errors should be corrected to improve student writing. According to Ellis (1994), formal feedback is helpful to L2 acquisition only if problems are corrected implicitly or only if the errors are induced and then corrected. In a similar vein, Weaver (2006) explored how 44 students in the Faculty of Business, Art and Design perceived written feedback and if the feedback that they received showed a student-centered approach to learning. In light of interviews, questionnaires, and feedback content, he found that teacher comments are useful only if they are specific and clear, give sufficient guidance, focus on positive points, and are related to assessment criteria. Ferris (1997), examining over 1,600 marginal and end comments written on 110 first drafts by 47 university ESL students, found that marginal comments are more immediate and easier for students to locate errors and revise, whereas end comments can be more useful for writing development since they summarize major problems. Marginal comments are also deemed to be more motivating since the reader is actively engaged with the writers text (Goldstein, 2004, as cited in Hyland Hyland, 2006). In a related vein, much research has focused on whether comment types influence revisions and which of them are more, if not the most, effective. In so doing, Sugita (2006) analyzed 115 revised papers by 75 EFL students at a private university in Japan. He found that imperatives are more effective than statements and questions. In contrast, Conrad and Goldstein (1990, as cited in Hyland Hyland, 2006) found that imperatives, declaratives, or questions were less effective than the type of problem in the feedback. They further explained that problems related with facts and details were successfully revised by 50%, while those dealing with argumentation and analysis were successfully revised only by 10%. Treglia (2008) interviewed two teachers and fourteen students in a community college in the United States to examine how the students reacted to the feedback given by the teachers in the forms of mitigation and unmitigation. This study showed that the students saw both mitigated and dir ective comments easy to revise, but they liked the feedback in the forms of acknowledgements, suggestions, and choices. Alamis (2010) investigated the reactions and responses of 141 students at the Faculty of Arts and Letters of the University of Santo Tomas towards teacher written feedback. In light of questionnaires and student essays, Alamis found that praises are superior to criticisms and that content feedback should entail suggestions rather than questions, direct corrections, and indirect corrections. However, this study is a result of opinion-based responses, so it may be hard to conclude that its findings were valid. Many other researchers have moved farther to find out the extent to which teacher written feedback should be made explicit and sufficient in order to encourage comprehension and revision. In so doing, Enginarlar (1993) used 20-item questionnaires to examine the attitudes of 47 freshmen at Middle East Technical University to coded feedback and brief comment in English Composition I class. This study revealed that the participants like the two feedback types, seeing review work as a type of co-operative learning in which the amount of work and responsibility is shared by students and teachers. Ferris and Roberts (2001) also explored how explicit error feedback should be to help students to self-revise their papers. By analyzing papers written by 72 university ESL students, they found that the treatment groups outdo the control group in relation to self-revision, but the coded feedback group is not statistically different from the uncoded feedback group. Ferris and Roberts also conclude d that less explicit feedback seems to facilitate self-revision just as well as corrections coded by error type. Ferris (2003), in her review of three key studies, suggested that comprehensive feedback (i.e. all errors marked) is preferable to selective one (i.e. only some errors marked) and that indirect correction (i.e. coded and uncoded errors) is more effective than direct one (i.e. teachers making the corrections for students). Lee (2004) analyzed teacher error correction tasks and used questionnaires to and follow-up interviews with teachers and students to examine their perspectives on error correction practices in the Hong Kong secondary writing classroom. Like Ferriss (2003) reviewed studies, this research showed that comprehensive error feedback encourages substantive revision and that students depend on teachers to correct their errors. Oral feedback The effectiveness of oral feedback for improving student writing has still got very few answers (Hyland Hyland, 2006). As such, several studies have been done to examine teacher-student dialogue, and they found that successful conferencing rests on the interactive nature. For example, Hyland (2003) claimed that conferencing is fruitful when students are actively involved, asking questions, clarifying meaning, and arguing instead of accepting advice. Johnson (1993, as cited in Gulley, 2010) did a qualitative study and concluded that the question, a tool often used by teachers and tutors during a writing conference, can be ineffective in eliciting a meaningful response from students (p. 13). By contrast, Carnicelli (1980, as cited in Gulley, 2010), in his qualitative study among English-major students at the University of New Hampshire, showed that conferencing is more preferable to in-class teaching. He also noted that conference might fail if the teacher does not listen to the student, if the student feels insecure, or if the student does not remember the teachers comments (p. 13). However, this study has a design flaw in terms of not having a control group, so it is hard to conclude if such a preference is a result of conferencing, instruction, or practice. In his response to Carnicelli, Keh (1990) did his article review and pointed out that conferencing fails when the teachers take an authoritarian role, dominate the conversation, and pay no attention to what their students ask during the dialogue. He also noted that teacher-students conferencing is more effective than teacher-student conferencing since the former allows them to learn ideas and problems from one anot her. Moving a step away from the teacher-student interaction, several studies have been conducted, focusing on students-related variables that may affect the substantive revision of student writing. In so doing, Marefat (2005) examined the perception about the efficacy of oral feedback on the improvement of writing among 17 male and female Iranian students of English as a foreign language. He found that males could write paragraphs better than females, whereas females outperformed males in essay writing. He concluded that the students can produce pieces of writing with better quality, regardless of the feedback technique. Patthey-Chavez and Ferris (1997, as cited in Hyland Hyland, 2006) investigated how four writing teachers did conferencing with poorer and better students. They found that however useful teacher suggestions were for revision, the poorer students seemed to use advice more often than their counterparts. Better students were more self-confident, and they often used teacher suggestions as a base to revise their own writing. The co-researchers suggest that in the case of less capable students, conferences may be harmful if they entail appropriation rather than intervention. In another study, Goldstein and Conrad (1990, as cited in Hyland Hyland, 2006) noted that the L2 learners having cultural or social inhibitions about engaging informally with teachers are most likely to passively and unreflectively use teacher advice to revise their writing. The co-researchers found that only students negotiating meaning well in conferences were able to perform revision more successfully. This finding was similar to that of Williams (2004, as cited in Hyland Hyland, 2006), claiming that students were successful in using advice when teacher-suggestions were direct, when students actively engaged in negotiating meaning, and when they took notes of teacher comments, during the dialogues. Williams also added that negotiation is a precondition for revising higher-level texts, although her research suggested that conferencing has greater impact on correcting local errors (as cited in Hyland Hyland, 2006). However, the findings of all the four studies are based on the sm all sample size, so it is unclear if conferencing strategies and other contextual factors play a part in improving student writing. In line with the studies grounded on L2 writing theory, a number of studies have been done based on the theories of second language acquisition to investigate the impacts of indirect and direct corrective feedback, focusing on single linguistic structures. For example, Ellis, Loewen, and Erlam (2006, as cited in Sheen, 2010b) did an experimental study to examine whether implicit or explicit feedback is more helpful for adult ESL learners to acquire regular past tense. They put the students into three groups: the group with implicit recasts, the group with explicit metalinguistic feedback, and the group without any corrective feedback. The findings showed that both implicit and explicit feedback does not have any impact on the immediate posttests, but the latter is more effective than the former on the delayed posttests. In another study, Sheen (2007, as cited in Sheen, 2010b) found that explicit corrective feedback is superior to implicit corrective feedback in terms of formal acquis ition in both the immediate and delay posttests when the former is provided in the form of metalanguage and the latter in the form of recasts. Several other studies have also been done to compare input-providing feedback in the form of recasts with output-prompting feedback in the forms of elicitation, clarification requests, repetition of error, and metalinguistic clues. Lyster (2004, as cited in Sheen, 2010b) did a study with a group of fifth-grade French learners to examine whether recasts or output-prompting feedback methods encourage more accuracy of using articles agreeing with the gender of nouns. The study revealed that the output-prompting group alone outdid the control group on all eight measures of acquisition. Ammar and Spada (2006, as cited in Sheen, 2010b) investigated if recasts are more effective than prompts on the acquisition of possessive pronouns among six-grade learners in intensive ESL classes. They found that prompts were more helpful only for students with pretest scores below 50 percent, whereas recasts and prompts together were less effective for those whose scores were below 50 percent. However, t hese studies entail only focused corrective feedback, meaning that only one linguistic feature was targeted. Therefore, the results are hard to be generalized since the effects of recasts and prompts might be different if multiple-linguistic features are corrected. Research Questions As can be seen, no research had been conducted before to explore the comparative effectiveness of oral and written feedback in improving student writing in the context where English is in the Kachrus (1985) expanding circle. Accordingly, the present study sets out to look for answers to the following two research questions: How do Cambodian English-major students at NUM perceive oral and written feedback? Which feedback strategy, oral or written, is more effective in improving student writing as measured by writing performance? Methodology Participants Thirty-seven students participated in the present study, 19 of whom were males and 18 were females, with an average age of 22.59 (SD=.62) years. They were English-major students at NUM, and they had been learning English since Grade 7 of Cambodian Secondary Education (G7CSE) under the Ministry of Education, Youth, and Sports (MoEYS). The subjects were selected from each English class of the university based on the pre-treatment scores of 150-word paragraph writing. Based on this criterion, 19 of them were put into the oral feedback (OF) group, and 18 were filtered into the written feedback (WF) group. A control group was excluded from this study for two main reasons. First, it is believed that feedback is an essential element, so to get student to write without feedback would be unfair to them. Second, it is claimed that one of the things that students expect from teachers is feedback, so to deny them feedback would be unethical. Instruments Two instruments employed in this study were questionnaires and student paragraphs, both of which were used for data triangulation. The questionnaire, so-called Affective and Effective Response Feedback (AERF), consists of three sections with a total of 22 items: Section A (A1-4 for Demographic Data), Section B (B1-9 for Effective Responses), and Section C (C1-8 for Affective Responses). A five-point Likert scale (1=Strongly Disagree, 5=Strongly Agree) was utilized for the 17 items in the latter two sections (B1-9 and C1-8), and several items thereof (i.e. B1, B3, B5, B8, C2, C5, and C8) were reverse-ordered to reduce response set bias. A statistical validity analysis showed that EARF was reasonably reliable with the Cronbachs Alpha value of .853. The student paragraphs were collected before and after the two-month treatment, and they were inter-rated by three well-trained teachers each with more than four-year experience of teaching writing skills to English-major university students. The scoring was performed based on the researcher-formulated criteria divided into content, organization, grammar, vocabulary, mechanics and spelling, each of which earns equal marks (1=Very Poor, 5=Excellent), with the total score of 25. The reliability of the inter-rated scores employed by the present study was .789 for the pre-treatment scores and .806 for the post-treatment scores, using Cronbachs Alpha coefficient of internal consistency. Procedures Before this study, letters were sent to the Chair of Foreign Languages Center (FLC) of NUM, where it was conducted, and finally to the Rector of the university as well. Once approval letters were received, the researcher went on to select classes for both groups (OF and WF) and sent out informed consent forms. There were informative meetings with both groups of participants to let them know about the study and to receive signed informed consent forms. It was also made clear to the subjects that this study would not affect their course grades. They responded to the questionnaires anonymously, and those who mastered more than 80 percent of the total scores in paragraph writing would be awarded with Certificate of Recognition in order to motivate them to write and incorporate the feedback they had received from one week to another into their revision process. Data collection was conducted in the following steps. First of all, the students were asked to write a 150-word paragraph about the person whom I admire in my life. The paragraphs were then collected and inter-rated by three well-trained lecturers who had been teaching writing skills for more than four years. Based on the results, the participants were divided into two groups of similar size (OF=19, WF=18) and overall equivalent writing competence. An independent-samples t-test revealed that the overall mean score of the oral feedback group constituted 16.47 (SD=3.042) and that of the written feedback group was 16.46 (SD=3.045). Then, the treatment was conducted for two months with single-draft feedback provided on each of the three paragraph types taught during this experimental period: narrative, process, and compare-contrast. The topics included my happy story, how to make a nice cup of coffee, and rural life and city life. The feedback on each topic was comprehensive and targeted all aspects of writing: content, organization, grammar, vocabulary, mechanics and spelling. In this regard, various feedback strategies of each commentary mode were employed to ensure that both groups would receive similar treatment condition and that they would provide more authentic responses to the research questions. It is worth noting that the treatment (i.e. the delivery of feedback) was undertaken with specific reference to the operationalized terms at the very beginning of this study (Please refer to pages 3-4.). Soon after the two-month study, the participants were again asked to write a 150-word paragraph about one of the three topics (i.e. my bedroom, my house, or my favorite place), complete the questionnaires consisting of both close- and open-ended items. Finally, the data obtained from the questionnaires and student paragraphs were coded and input into SPSS 19.0 with the utilization of one-sample t-test, independent-samples t-test, and paired-samples t-test for data analysis, using the test value of 3.5 and the significant level of .05. Findings and Discussion Research question 1: How do Cambodian English-major students at NUM perceive oral and written feedback? A one-sample t-test was employed to provide descriptive statistics by comparing the mean scores and standard deviations of the oral feedback group and the written feedback group with the test value of 3.5 rather than with those of the written feedback group and the oral feedback group, respectively (i.e. oral feedback group vs. written feedback group, and vice versa). Table 1 shows that the students had highly positive attitudes towards oral feedback in the forms of detailed correction (M=4.42, SD=.838, p=.000), comprehensive suggestion (M=4.26, SD=.806, p=.001), and sincere praise (M=4.00, SD=.816, p=.016), which thus enabled them to write with increased confidence (M=4.26, SD=.452, p=.000). This preference was due to the fact that oral feedback was perceived as the cornerstone of building closer bonds (M=4.16, SD=.765, p=.001) between the student and the teacher who always paid special attention during each dialogue (M=4.58, SD=.507, p=.000). However, no statistical differences wer e significant in motivation (C5. It encouraged me to work harder on my revision) and sufficiency (C8. It was helpful enough for my revision), the p-values of which constituted .137 and .497, respectively. Table 1 Descriptive statistics for affective responses of OF group M SD t df p C1. It made me feel I had a more personal and human relationship with my teacher. 4.16 .765 3.750 18 .001 C2. I did not feel more confident about my writing. (Reverse-ordered) 4.26 .452 7.353 18 .000 C3. It gave more details about the errors in my writing. 4.42 .838 4.793 18 .000 C4. It gave more details about how I can improve my writing. 4.26 .806 4.129 18 .001 C5. It discouraged me from working harder on my revision. (Reverse-ordered) 3.84 .958 1.556 18 .137* C6. Praise was helpful for my revision. 4.00 .816 2.669 18 .016 C7. I got special attention from my teacher. 4.58 .507 9.271 18 .000 C8. It was not helpful enough for my revision. (Reverse-ordered) 3.68 1.157 .694 18 .497* * p > .05 (not significant) As can be seen in Table 2, students preferred written feedback in the forms of comprehensive correction (M=4.39, SD=.698, p=.000), detailed suggestion (M=4.39, SD=.608, p=.000), and sincere praise (M=4.22, SD=.647, p=.000), to make them feel more confident about their writing (M=4.00, SD=.594, p=.002). A one-sample t-test also indicates that statistical differences were significant in attention (C7) [M=4.22, SD=.808, p=.001], but not in relationship (C1, p=.655), encouragement (C5, p=.055), and sufficiency (C8, p=.080). Taken Tables 1 and 2 together, oral feedback, unlike written feedback, builds closer bonds between the teacher and the student because the former tends to be more interpersonal in terms of reciprocal attention during the dialogue. While written feedback, if it includes encouragement and personal, text-specific comments, can also strengthen teacher-student relationships, it is not the same experience as sitting down face-to-face for negotiation and questions. Table 2 Descriptive statistics for affective responses of WF group M SD t df p C1. It made me feel I had a more personal and human relationship with my teacher. 3.61 1.037 .455 17 .655* C2. I did not feel more confident about my writing. (Reverse-ordered) 4.00 .594 3.571 17 .002 C3. It gave more details about the errors in my writing. 4.39 .698 5.404 17 .000 C4. It gave more details about how I can improve my writing. 4.39 .608 6.206 17 .000 C5. It discouraged me from working harder on my revision. (Reverse-ordered) 4.00 1.029 2.062 17 .055* C6. Praise was helpful for my revision. 4.22 .647 4.738 17 .000 C7. I got special attention from my teacher. 4.22 .808 3.790 17 .001 C8. It was not helpful enough for my revision. (Reverse-ordered) 3.00 1.138 -1.87 17 .080* * p > .05 (not significant) Table 3 presents the descriptive statistics of the perceptions about the impact of oral feedback on improving student writing. A one-sample t-test was performed with the test value of 3.5 and the p-value of .05. The results show that oral feedback was viewed as effective in encouraging substantive revision of organization (B4) [M=4.32, SD=.671, p=.000], clarity (B1) [M=4.05, SD=.780, p=.006], content (B5) [M=4.00, SD=.577, p=.001], and grammar (B2) [M=3.95, SD=.705, p=.013]. Significantly, oral feedback was also seen as enabling students to use specific linguistic features in conformity to different genres or text-types (M=3.95, SD=.705, p=.013). Such an improvement was strongly confirmed by the
Sunday, August 4, 2019
Glorious Sceptre :: essays research papers
The Immortal Sceptre Within the Iliad Homer portrays through association and symbolism the sceptre as a representation of divine power. Agamemnon is the nominal owner of this sceptre, on which much emphasis is placed in the early stages of the poem. This relic, a sceptre once owned by Zeus, has a kingly and divine past and, as a result, is a symbol of authority, power, and recognition within the kingdom of Greece. Homerââ¬â¢s discussion of the sceptre in Books I and II serves to elucidate these characteristics of the sceptre. In the earlier stages of book II, Homer establishes the godly and noble history of the sceptre. Through a slight digression in the story line, Homer gives the reader a brief overview of its former owners: "Hephaistus gave it to Zeus the king, the son of Kronos, and Zeus in turn gave it to the courier Argeiphontes, and lord Hermes gave it to Pelops, driver of horses, and Pelops again gave it to Atreus, the shepherd of the people. Atreus dying left it Thyestes of the rich flocks, and Thyestes left it in turn to Agamemnon to carry and to be lord of many islands over all Argos. (II, 102-109)" In naming Hephaistus, Zeus, Hermes, and the kings of Mycenae, Homer describes a legacy that enhances the sceptreââ¬â¢s image as a token of influence and power. Moreover, it is important to note that the sceptre was not conceived by a mortal, but rather by Hephaistus. Using the wood from a living tree in the mountains, he constructed an immortal device for Zeus. Hephaistusââ¬â¢ creation of the sceptre both bolsters the notion of the sceptreââ¬â¢s divinity, and strengthens its image as a symbol of influence and recognition. In Book I of the poem, Achilles takes oath upon the sceptre. In his oath, Achilles states his intent to withdraw from the army and swears that the Achaians will one day regret their irreverence. However, before anything is sworn, Homer has Achilles describe the sceptre by stating that it "never again will bear leaf nor branch, now that it has left behind the cut stump in the mountains, nor shall it ever blossom again, since the bronze blade stripped bark and leafage" (I, 233-237). Achilles emphasizes the sceptreââ¬â¢s imperishability and endurance as a symbol. Lacking life and therefore lacking the prospect of death, the sceptre is, in a sense, immortal, giving reason for its divine connotations. Glorious Sceptre :: essays research papers The Immortal Sceptre Within the Iliad Homer portrays through association and symbolism the sceptre as a representation of divine power. Agamemnon is the nominal owner of this sceptre, on which much emphasis is placed in the early stages of the poem. This relic, a sceptre once owned by Zeus, has a kingly and divine past and, as a result, is a symbol of authority, power, and recognition within the kingdom of Greece. Homerââ¬â¢s discussion of the sceptre in Books I and II serves to elucidate these characteristics of the sceptre. In the earlier stages of book II, Homer establishes the godly and noble history of the sceptre. Through a slight digression in the story line, Homer gives the reader a brief overview of its former owners: "Hephaistus gave it to Zeus the king, the son of Kronos, and Zeus in turn gave it to the courier Argeiphontes, and lord Hermes gave it to Pelops, driver of horses, and Pelops again gave it to Atreus, the shepherd of the people. Atreus dying left it Thyestes of the rich flocks, and Thyestes left it in turn to Agamemnon to carry and to be lord of many islands over all Argos. (II, 102-109)" In naming Hephaistus, Zeus, Hermes, and the kings of Mycenae, Homer describes a legacy that enhances the sceptreââ¬â¢s image as a token of influence and power. Moreover, it is important to note that the sceptre was not conceived by a mortal, but rather by Hephaistus. Using the wood from a living tree in the mountains, he constructed an immortal device for Zeus. Hephaistusââ¬â¢ creation of the sceptre both bolsters the notion of the sceptreââ¬â¢s divinity, and strengthens its image as a symbol of influence and recognition. In Book I of the poem, Achilles takes oath upon the sceptre. In his oath, Achilles states his intent to withdraw from the army and swears that the Achaians will one day regret their irreverence. However, before anything is sworn, Homer has Achilles describe the sceptre by stating that it "never again will bear leaf nor branch, now that it has left behind the cut stump in the mountains, nor shall it ever blossom again, since the bronze blade stripped bark and leafage" (I, 233-237). Achilles emphasizes the sceptreââ¬â¢s imperishability and endurance as a symbol. Lacking life and therefore lacking the prospect of death, the sceptre is, in a sense, immortal, giving reason for its divine connotations.
Saturday, August 3, 2019
The Dangers of Social Conformity Exposed in The Prime of Miss Jean Brod
The Dangers of Social Conformity Exposed in The Prime of Miss Jean Brodie à à à à à Muriel Spark's The Prime of Miss Jean Brodie depicts the coming of age of six adolescent girls in Edinburgh, Scotland during the 1930's. The story brings us into the classroom of Miss Jean Brodie, a fascist school teacher at the Marcia Blaine School for Girls, and gives close encounter with the social and political climate in Europe during the era surrounding the second World War. Spark's novel is a narrative relating to us the complexities of politics and of social conformity, as well as of non-conformity. Through looking at the Brodie set and the reciprocities between these students and their teacher, the writer, in this novel, reviews the essence of group dynamics and brings in to focus the adverse effects that the power of authority over the masses can produce. Sparks, in so doing projects her skepticism toward the teacher's ideologies. This skepticism is played out through the persona of Sandy Stranger, who becomes the central character in a class of Marcia Bl aine school girls. à à à à à Sandy's character is even more focally sculpted than the teacher's favored disciples who came to be known as the Brodie Set; a small group of girls favored by Miss Jean Brodie in her Prime. The Brodie Set is a social system and a enigmatic network of social relations that acts to draw the behavior of its members toward the core values of the clique.à The teacher Miss Jean Brodie projects upon this impressionable "set,"à her strong fascist opinions. She controls this group on the basis that she is in her prime.à Her prime being the point in life when she is at the height of wisdom and insight. Sandy pejoratively uses the personality traits and ideolog... ...t this small group level, conformity dispels individual judgement. Sandy projects to us that this kind of social conformity under the pressure of authority, is to be blamed for many social problems and adversities in the individual lives of the Brodie girls, and in society at large. Bibliography 1. Coon, Dennis.à Psychology: Exploration and Application. West Publishing Company: 1980. 2. Costanzo, P.à Conformity development as a function of self blame. Journal of Personality and Social Psychology 14; 366-374: 1970. 3. Csikszentmihalyi, M. & Larson, R.à Being Adolescent.à Harper Collins Publisher: 1984. 4. Homans, G.C.à Social Behavior: Its Elementary Forms. Harcourt Brace Jovanovich: 1961. 5. Lodge, David.à The Uses and Abuses of Omniscience: Method and Meaning in Muriel Spark's The Prime of Miss Jean Brodie.à Ithaca, Cornell: 1971.
Friday, August 2, 2019
Essay --
The educational process is multi dimensional for student teachers and then study materials, but since technology has come in our lives, it has become the last that completes the education process. Technology revolutionized education in so many ways .Now it has become an essential tool for education ,for example using computers has made education more interesting in the eyes of students because when the teachers uses visuals in the classroom, as a result it attracts the students and the subject that they are studying about becomes understandable also meaningful by providing relevant graphs pictures posters maps and videos having the teacher to increase the level of understanding for the presented materials, clarify points support the messages and create more interest coming from the students. In my essay I will write about three main points the definition of educational technology why are we using computers in education after that why are we using books in education next can we replace books with computers finally I will conclude my essay with my opinion. Although using technology in education has made it more interesting, technology has its bad side effects as wel l. It is true that it is helpful but I think we should use it in moderation since we can't ever replace books with computers. To start off "educational technology refers to the study and the ethical practice of facilitating education to enhance the students performance ,by the use and creation of management appropriate technological processes and resources". The word educational technology is connected with instruction theories and learning. Even though instructional theories basically covers the learning system and instruction... ...re the definition of educational technology, why are we using computers in education after that why are we using books in education to conclude can we replace books with computers. Although using technology in education has made it more interesting, technology has its bad side effects as well. It is true that it is helpful but I think we should use it in moderation since we can't ever replace books with computers. In the end I think books are better than computers for learning because they are more educational than computers; however I think we can learn new things from computers which is why when it comes to education, We should use both books and computers so we can learn and educate more we should also use computers for education in moderation my point of view is that books are more effective in education because they are more reliable than computers.
Business and Internet
What is the internet? The Internet is a worldwide collection of computer networks, cooperating with each other to exchange data using a common software standard. Through telephone wires and satellite links, Internet users can share information in a variety of forms. How does it work?Internet allows users to: connect easily through ordinary personal computers and local phone numbers, exchange electronic mail (E-mail) with friends and colleagues with accounts on the Internet, post information for others to access, and update it frequently, access multimedia information that includes sound, photographic images and even video, and access diverse perspectives from around the world. How does it provide business value? People search the Internet with some questions or concern in mind. That is the importance behind all the keywords being placed on your website through traditional Search Engine Optimization.However, once the person has found one of your pages on the search engine, what unique value does your website offer to prospective clients / customers? Websites allow for easy access anytime to your companies information. Explain how the domain name and IP addressing system work. If you've ever used the Internet, it's a good bet that you've used the domain even without realizing it. DNS is a protocol within the set of standards for how computers exchange data on the Internet and on many private networks. Its basic job is to turn a user-friendly domain name that computers use to identify each other on the network.It's like your computer's GPS for the Internet. Computers and other network devices on the Internet use an IP address to route your request to the site you're trying to reach. This is similar to dialing a phone number to connect to the person you're trying to call. List and describe the principal internet services. Internet services consist of communication, news, weather conditions, shopping and entertainment. You can do faxing, calling, surfing, browsing a nd marketing in internet and even crimes, etc. List and describe alternative ways of locating information on the web.Search engines- The search engines are the first place everyone heads to and they have become household names. Subject Directories If you have a specific piece of information you are looking for and it fits neatly into a particular category this is a good place to start. These sites include libraries, academic institutions, research facilities and usually include the ââ¬Ëbest of the best' as well as peer-reviewed publications for business and academics. Directories have even been created by both Google and Yahoo. Social NetworkingSocial Networking is the latest craze on the Internet and includes online communities of people who share certain interests, activities, etc. While many of them are just about connecting to other people, some can be used to glean new information from the web. Services such as StumbleUpon will give you recommendations on websites that might be of interest to you based on a set of interests and keywords. Other services like LinkedIn focus on connecting people in business but also give you a resource where you can ask for the opinions of others or to be pointed in the right direction. Social BookmarkingSocial Bookmarking sites like Reddit, Delicious and Digg all allow users to bookmark or share links of interest. They all contain categories and notifications so you needn't go searching, the information can even be brought to you to save time. All three have ways for users to increase (and possibly decrease) the popularity or relevant importance of some links that are dropped into the services. Not all links bookmarked at these sites will be useful but many could be interesting, informative or something you might use later. The peer-review means that others find the links useful and help them float to the top so to be more easily found.
Thursday, August 1, 2019
Information Technology and Innovation at Shinsei Bank
9-607-010 REV: OCTOBER 4, 2007 DAVID M. UPTON VIRGINIA A. FULLER Information Technology and Innovation at Shinsei Bank Jay Dvivedi looked once more at the proposal in his email inbox, sighed and closed his laptop for the night. He owed his boss, Shinsei CEO Thierry Porte, a response and he knew that he would need to send it in morning. One of the heads of Shinseiââ¬â¢s business units had approached Porte directly with a proposal for a new, off-the-shelf customer relationship management (CRM) system for his business.He wanted to fund it and implement with his own personnel, but he needed approval from Porte. Before Porte responded he had requested input from Dvivedi. When Dvivedi discussed the idea with his team the opinion was divided. The information technology organization had played an integral role in the revitalization of Shinsei Bank from the ashes of Japanââ¬â¢s failed Long-Term Credit Bank (LCTB). In March 2000, Dvivedi had been charged with the task of developing a rev olutionary technology infrastructure for the newly formed Shinsei Bank.When he asked then CEO Masamoto Yashiro for some guidelines he was told to do it ââ¬Å"Fastâ⬠and ââ¬Å"Cheapâ⬠. Drawing on his wealth of experience in technology and operations in the banking industry he and his team were able to come up with a quick, robust, and inexpensive approach through which the reborn bank could deliver its newer products and services. Shinsei, which literally meant ââ¬Å"new birthâ⬠in Japanese, was committed to providing an improved, customer-focused model with such conveniences as Internet banking, 24-hour cost-free ATMs, and fast service based on real-time database reconciliation1.Developing and organizing the technology required to enable this was a monumental task, but one that Dvivedi and his team were able to execute within one year (one quarter of the time that would be needed to implement a traditional system), and at only 10% of the forecasted cost of a tradit ional system. By 2005, the bank had 1. 4 million customers, and was acquiring new business at a rate of 35,000 customers per month. When Dvivedi discussed the proposal with his team some said that the business understood its own objectives best.If a business unit felt that it should add a new system at its own cost then that was its right. Alternatively, other team members felt that this was against all of the principles that had been used to resurrect Shinseiââ¬â¢s IT systems and represented a dangerous step backwards. 1 In many other banks in Japan, deposits and withdrawals did not appear until the next day in order to reconcile the transaction and primary databases. Shinsei wanted to immediately update and make visible the data for its customers. _______________________________________________________________________________________________________________ Professor David M. Upton and Research Associate Virginia A. Fuller prepared this case with the assistance of Masako Egawa, Executive Director of the HBS Japan Research Office, and Akiko Kanno, Research Associate at the HBS Japan Research Office. Portions of this case draw upon ââ¬Å"Shinsei Bank (A),â⬠HBS No. 302-036, ââ¬Å"Shinsei Bank (B),â⬠HBS No. 302-037, ââ¬Å"Shinsei Bank (C),â⬠HBS No. 302-038, and ââ¬Å"Shinsei Bank (D),â⬠HBS No. 02-039 by Professor Michael Y. Yoshino and Senior Research Associate Perry L. Fagan. HBS cases are developed solely as the basis for class discussion. Cases are not intended to serve as endorsements, sources of primary data, or illustrations of effective or ineffective management. Copyright à © 2006, 2007 President and Fellows of Harvard College. To order copies or request permission to reproduce materials, call 1-800-5457685, write Harvard Business School Publishing, Boston, MA 02163, or go to http://www. hbsp. harvard. edu.No part of this publication may be reproduced, stored in a retrieval system, used in a spreadsheet, or transmitted in any form or by any meansââ¬âelectronic, mechanical, photocopying, recording, or otherwiseââ¬âwithout the permission of Harvard Business School. 607-010 Information Technology and Innovation at Shinsei Bank Dvivedi needed to draft a thoughtful, well-reasoned reply to Porte and he would have to do it first thing in the morning. Shinseiââ¬â¢s Predecessor: LTCB LTCB, was established by the government in 1952 to provide long-term funding to rebuild Japanââ¬â¢s basic industries after World War II.This strategy proved successful until the 1980s when financial deregulation diminished the demand for loans by traditional borrowers and LTCB aggressively expanded in the real estate and construction markets. Because of Japanââ¬â¢s booming economy, land prices were skyrocketing and many loans were provided based on land collateral rather than an appropriate analysis of risk or future cash flow of the borrower. When the asset bubble burst and land prices plummeted in the early 199 0s, banks were left with an enormous amount of bad debt.In spite of the increase in non-performing loans, Japanese banks were slow to take action. At the time, many still believed that the fall in land prices was temporary and that they could wait out the crisis. Furthermore, Japanese banks placed great importance on long-term relationships with their borrowers and were reluctant to raise lending rates in what seemed like a temporary business slowdown. LTCB desperately explored ways to save itself. Conditions continued to deteriorate, however, and its stock price continued to fall.On October 23, 1998, LTCB finally collapsed with nearly $40 billion of non-performing loans and was nationalized. The failure of LTCB marked the largest banking failure in post-war Japan. Acquisition by Ripplewood The events that followed were unprecedented; a Japanese landmark was bankrupt, and was subsequently purchased by a U. S. private equity fund, Ripplewood Holdings, with Goldman Sachs representing the Japanese government. Masamoto Yashiro, former president of Exxon Japan who had just retired after heading Citicorp Japan, was persuaded to join the American investors in acquiring the bank.The government initially favored selling the bank to a Japanese financial institution or an industrial company, but Ripplewood eventually won the bid. On March 1, 2000, LTCB became the first Japanese bank with foreign ownership. ââ¬Å"New Birthâ⬠The name of the bank was changed to ââ¬Å"Shinsei,â⬠and Yashiro became CEO. In the first few months, Yashiro moved quickly to establish a new organization and build the bankââ¬â¢s business in three main areas: commercial banking, retail banking2, and investment banking.LTCB had previously generated most of its revenues from corporate loans, but Yashiro was eager to move out of this low-margin business. ââ¬Å"The asset quality [of our loans] was extremely poor, the number of corporate and individual accounts had shrunk by 40%, the trad itional business ââ¬â corporate lending ââ¬â was very unprofitable, and the bankââ¬â¢s IT infrastructure and operational capability were significantly inferior even relative to our local competition,â⬠said Yashiro. Fortunately, the bank had received JPY 240 billion in public funds, and was able to start business with a strong capital ratio3 of 12. %. 2 Banking services for individual customers 3 The capital ratio is the ratio of a bankââ¬â¢s equity to a risk-weighted sum of the bankââ¬â¢s assets. 2 Information Technology and Innovation at Shinsei Bank 607-010 LTCB did not have much presence in retail banking, with only two dozen branches throughout Japan, while major commercial banks had several hundred branches. The bank sold debentures (instead of receiving deposits) to high net worth individuals, but those individuals conducted their banking transactions at other banks which had a broader branch network.Shinsei bank needed an entirely new business strategy, and that, decided Yashiro, would be to serve retail customers. To create a retail banking business from the ground up, Yashiro needed the help of a visionary and technologist. Dhananjaya ââ¬Å"Jayâ⬠Dvivedi looked like the right man for the job. An experienced manager of technology and operations with whom Yashiro had worked at Citibank Japan during the 1990s,4 Dvivedi had an engineering background and sought to apply manufacturing principles to the development of the new IT infrastructure. Retail Banking BusinessThe traditional methods of retail banking in Japan were anything but convenient. Business hours ended at three oââ¬â¢clock in the afternoon (to allow time to reconcile computer system information with the databases), no ATM usage outside of business hours, fees for ATMs, no Internet banking, long lead times for new account openings, separate accounts for each type of financial product, and other inconveniences had been an unavoidable, bitter pill for people managi ng their money in Japan. Yashiro and Dvivedi, therefore, endeavored to offer an alternative.Shinsei would have to ââ¬Å"wowâ⬠potential customers into switching over from other banks. They had to offer something ââ¬Å"extraâ⬠to convince customers to bank at Shinsei. The way to do this, they felt, was through outstanding customer service. Customer Service Model Yashiro believed it was better standards of service, and innovation in services, that would ultimately attract customers to the bank. ââ¬Å"We were new. If we didnââ¬â¢t have something new to offer, there would be no reason for customers to come to us,â⬠said Sajeeve Thomas, head of Shinseiââ¬â¢s retail group.The goal of developing new and closer relationships with customers through unique products and services became central to Shinseiââ¬â¢s transformation. The shift to meeting the competitive requirements of a retail bank, however, proved to be a significant undertaking for an institution speciali zing in corporate financial work. For the transformation to be effective, speed, flexibility, and cost control were paramount. A complete overhaul of the IT system would be required in order to enable this. The new customer-service-based business strategy required a scalable and robust operational and technological infrastructure.Such an infrastructure would help the new business segments grow by supporting enhanced, high quality, 24Ãâ"7 customer service, product innovation and volume growth. This process involved nothing short of a revolutionary approach to information technology. ââ¬Å"Indeed,â⬠said Yashiro, rather wistfully, ââ¬Å"the real challenge of transformation was not in painting the end state but in choosing the means to reach it effectively. â⬠4 Their work at Citibank included a major turnaround of that companyââ¬â¢s IT system in Japan during the 1990s. 3 607-010Information Technology and Innovation at Shinsei Bank Thinking about Technology at Shinsei ââ¬Å"We quickly came to the conclusion that the systems that were used at the old LCTB were of almost no use to us,â⬠recalled Yashiro, lamenting the realization that the extant mainframe infrastructure was actually an impediment to building new business at Shinsei. Its mainframes were overloaded, with no spare capacity, and they relied on separate and disparate networks which were tied closely to the old business model. Maintenance costs were unacceptably high due to locked-in contracts with vendors.The network capacity was inadequate and too expensive. At the same time, the operational processes were inefficient and full of multi-layered, repetitive paper trails. Mainframes were large room-sized computers based on models developed in the 1960s by computing giants like IBM and Fujitsu. For banks, with their enormous amounts of customer data, daily transactions involved collecting information from millions of accounts, transferring it to the mainframe computer at midnight, th en refreshing the data by batch processing for the following day.Dvivedi believed that mainframes imposed great risks onto businesses; since they held the total data in the organization and this meant that if anything happened to that one computer, the business would be temporarily disabled while the system was transferred to backup machines. It was safer to distribute risks by designing systems that linked several smaller computers, such as servers, together. Servers were much smaller computers, often as small as a pizza box, based on cheaper microprocessors and standard UNIX or Windows operating systems.Such smaller servers were often combined into clusters of many hundreds of devices and were thus not only cheaper, but also more scalable than mainframes as capacity could be added to the system in much smaller increments. In the past, almost all banks had run on mainframe-based computer systems, but ââ¬Å"removing the mainframes created granularity within the system,â⬠said Dvivedi. This drastically reduced hardware maintenance costs and allowed flexibility such that services and new products could easily be added to the system. Building a New SystemOnce he had a skilled team in place, Dvivedi focused on centralizing the operations and creating a functional organization. Investigation into traditional methods of large-scale systems implementation exposed the significant risks and difficulties in adapting a traditional, monolithic, mainframe-based system to the dynamism of Shinseiââ¬â¢s freshly rekindled businesses. Indeed, new technology requirements were being developed even as the new business plans took shape, and they would need a scalable IT system that could grow with and even more importantly, adapt to the business. Technology delivers the product to the customer,â⬠affirmed Dvivedi. Information technology had to be used as a driver of business, and a source of new business, rather than as a support function. Dvivedi also believed that S hinsei should forge its own IT strategy, rather than follow the examples set by other banks, so that competitors might one day turn to Shinsei for advice. Dvivedi could have chosen a gradual approach to creating a new infrastructure by improving the existing technology and processes over time, replacing one system and process after another.This would have minimized disruption but would have taken too long. Alternatively, he could have attempted a ââ¬Å"big-bangâ⬠approach, replacing the existing infrastructure with a completely new set of systems and processes in one fell swoop. This approach, however, was deemed too risky, too disruptive, and too expensive. As part of building the new infrastructure Dvivedi focused on parsimony in selecting standards. There would be one network protocol, one operating system, and one hardware platform. Dvivedi 4 Information Technology and Innovation at Shinsei Bank 607-010 did not wait for consensus before moving to new standards.Choosing one set of standards, rather than allowing a patchwork of multiple standards to build up, helped keep the complexity low, which, in turn, made the system easier to manage. The skills needed to run and maintain this infrastructure were standard and people trained in them were easy to find. Instead of looking at the whole system, Dvivedi preferred to break it down into pieces. ââ¬Å"How can we modularize pieces so they can be used again and again? â⬠he asked. He believed that the key to success was to keep creating new elements and to introduce them into the system without stopping the enterprise.A caveat of this, however, was the challenge of keeping things safe and secure, yet not so locked-down that they became unchangeable. The approach that Yashiro and Dvivedi decided on was at once radical and accelerated, driven by the evolution of their new business strategy. It involved implementing, as needed, a new, modular operating infrastructure that operated initially in parallel wi th, but ultimately superseded, the existing infrastructure. Dvivediââ¬â¢s Vision Dvivedi made choices not simply based on available technologies; rather, he focused first on the business problem that had to be solved.Once the problem was clearly identified, it was broken down into as many logical parts as possible. ââ¬Å"Weââ¬â¢d keep breaking down the elements until the solution was obvious,â⬠said Sharma Subramanian, the IT groupââ¬â¢s Planning and Coordination Officer. In addressing each element, the team looked to its toolkit of standard modules and components, and determined whether or not any appropriate solutions existed. If not, they went to the market and sought the missing piece of technology, looking specifically for its availability as a standard component.If it was not already available as a standard component, they would ask one of their partners to build the component. They would build it so that it was reusable. For a component to be reusable, it had t o have a clear specification of the function(s) it performed, as well as a standard interface into which other components or modules could connect. The various components were assembled and reused in order to build products and services for Shinseiââ¬â¢s customers, and 90% of the technology components were used by more than one product. To meet Yashiroââ¬â¢s andate, Dvivedi devised five basic guidelines that were to govern all work going forward. His approach addressed waste and unnecessary work, and the elimination thereof, to make processes more efficient. Every job done was evaluated on the basis of these five criteria: â⬠¢ Speed ââ¬â How fast can the work be done? The goal was to build a new IT system within 18 months of conception. Changes were made in small, frequent, and predictable steps. The use and re-use of standard components enabled the team to roll out new capabilities quickly and with minimal testing (since the components already had been tested in their previous context).Cost ââ¬â How low can we keep costs? For example, Shinsei understood that they did not have to build everything from scratch. By combining a number of software packages, they were able to construct the new system in a very short time. For example, Shinsei used Intel-based, Windows servers and Oracle database servers on the back-end and off-the-shelf solutions on the front-end. They used standard Dell PCs running Windows. In the process, Shinsei became the largest bank running its back-end systems on a Windows platform.Capability ââ¬â What new capabilities will IT enable? For example, to support multiple currencies and financial products for retail customers the old technology platform that handled deposits, loans and other services had to be changed. â⬠¢ â⬠¢ 5 607-010 Information Technology and Innovation at Shinsei Bank â⬠¢ Flexibility ââ¬â How easily can the system be changed to respond to business needs? Dvivedi assumed that the business needs of the company would change over time and that the IT systems had to respond to this rather than prevent ecessary change as the mainframe system had done. The infrastructure needed to be expandable and robust enough to support the operation as volumes grew. Re-usable component-based architecture would enable flexibility. To make its services flexible, Shinsei used alerts, not reports, to manage workflow. Machinedriven prompts notified employees when work went unattended, demanding attention and action when required. Similarly, when making infrastructure decisions Yashiro made a point of focusing on the business objective, not the ââ¬Ëas-isââ¬â¢ environment.Designing an infrastructure to support a new business objective had to begin with that objective in mind and not with Shinseiââ¬â¢s current capabilities. If the objective could be met without changing existing infrastructure then they would not change it. If elements of the existing infrastructure were made redunda nt by the new approach, then they would become irrelevant and be superseded over time. Flexibility meant not being inhibited by previous decisions. â⬠¢ Safety ââ¬â How secure is our system? Safety was built into the process by breaking down the problems into very small parts.Smaller elements meant a smaller piece of the project that went wrong if something were to fail. Furthermore, a number of small parts meant that each part could be tackled simultaneously to fix the problem more quickly. The approach to safety could be seen clearly in Dvivediââ¬â¢s decision to leverage the public Internet. Back in 2000, Dvivedi met tremendous incredulity at the notion of using the Internet for internal banking transactions. Nevertheless, the Bank went with public Internet lines as opposed to leased lines.Public Internet technology allowed Shinsei to move work to any location, including lower-cost locations, such as India. ATMs, telephones, call centers, video, and data were also connec ted through public lines, at a fraction of the cost of leased lines. ââ¬Å"We use the Internet in two ways, for transport both within and outside the company and we use it to run different elements of our processes. The key is to ensure that each activity or session is performed in a secure manner. We assume that everything will fail. The key task is to ensure there are no single points of failure.When components fail, we assume that staff will not notice or will be busy on something else. The safety must be passive, that is to say if one component fails, the work must seamlessly move to another component all without any intervention,â⬠said Nobuyki Ohkawa. Ohkawa had decades of experience working on these problems and was the person Dvivedi assigned the task of designing and deploying the networks and machines on which Shinsei ran its business. To ensure that the data sent over the public Internet was kept secure, Shinsei encrypted all the data it transmitted.In addition, its networks were secured by deploying the latest in network technology and by a process of continuous monitoring for unauthorized intrusions and denial of service type attacks. Should there be any indication that an attack was attempted, the source of the attack was identified and actions taken to disable or block it. Most of all, however, Dvidedi relied simply on the fundamentals of the internet itself: ââ¬Å"The Internet is anonymous. Your messages and our data travel over the same network in a random fashion. The anonymity is our first level of securityâ⬠.Given these parameters and the scope of the undertaking, Yashiro and Dvivedi did not believe they could entrust the project to one hardware vendor. Also, the fluidity of the envisioned end-state made it difficult to engage an outside vendor economically. Yashiro and Dvivedi needed to reach out to external partners to get the resources and know-how that they envisioned, as applied to their projects. Partner companies in Dvive diââ¬â¢s native India proved to be a tremendous boon. 6 Information Technology and Innovation at Shinsei Bank 607-010 Outsourced WorkDvivedi engaged multiple Indian firms to handle different parts of Shinseiââ¬â¢s information technology. This outsourced work focused on areas where internal development skills were lacking and where Dvivedi felt that they were not necessary for the bank to acquire. Thus, Dvivedi was free to pull together work groups of specialists without regard to their physical location. This was a major departure from existing practices in Japan, and proved to be a culture shock for the staff. In fact, Shinsei was the only company in Japan to use solely Indian software services.Nucleus Software, in Delhi, and Polaris Software Engineering, in Chennai, were two collaborators, as well as the larger Wipro and Tata Consultancy Services companies, in developing pieces of Shinseiââ¬â¢s financial software. By employing translators, Shinsei acquired best-of-breed e ngineers, and did not bother trying to teach them Japanese. They could remain in their respective silos, working on a portion of the Shinsei technology, without assimilation into Shinsei headquarters. In order to outsource work, Dvivedi and his team had to divide the work up into modular parts.Removing interdependencies was key as they believed that dependency slowed down the work; without dependency, people could work at their own speeds and avoid bottlenecks. For this reason, old systems maintenance was kept separate from new systems development. If unnecessary stress was placed on old systems, the entire system would become unstable and the speed at which new ones were developed would also be at risk. With each company, Shinsei worked to establish a relationship characterized as a ââ¬Å"partnershipâ⬠rather than one of a supplier.The bank worked with its partners without requiring competitive bids, avoiding traditional requirement documents such as RFPs (request for proposa l) or RFIs (request for information). Dvivedi believed that these were superfluous process steps that added unnecessary time and overhead work to the engagement. Furthermore, Shinsei did not enter into fixed-price contracts; on the contrary, engagements were quantified on a time-and-material basis. Implementation Shinsei moved from mainframes to a Windows-based platform, supported by a high-speed, lowcost, packet based network operated as an internal utility.They centralized the decentralized, but made sure that everything was modular and highly flexible. Organizational silos were broken down in order to integrate processes. ââ¬Å"We have learned to deliver precision where needed rather than trying to be precise in all things,â⬠said Yashiro. Despite the carefully constructed approach to assembling the guiding principles for the companyââ¬â¢s IT strategy both Yashiro and Dvivedi knew that just as many, if not more, IT transformation projects failed during implementation.As such, they spent a substantial amount of time creating principles to guide the implementation process. â⬠¢ Parity ââ¬â Parity allowed the old and new systems to coexist in parallel. Dvivedi believed that employees should choose to use the new system if it were placed in front of them. He did not want to appear as though he was convincing people to use the new technology. He told employees: ââ¬Å"We will not change ââ¬â but we will change the technology. â⬠He believed the new systems should function much the same as their predecessors, and possess the same look and feel even if this mimicry resulted in extra cost.At the same time the new system should provide new capabilities so that employees would be excited about using them. As comfort with the new systems increased, the old systems were removed. Dvivedi mused: ââ¬Å"Nothing must change for change to happen. â⬠7 607-010 Information Technology and Innovation at Shinsei Bank â⬠¢ Incremental steps ââ¬â The smaller the changes, the lower the degree of disruption in the bank. The work was done on multiple parallel paths; development occurred in rapid, short cycles, with progressive delivery of requirements.As components were tested, they were implemented and reused if they fulfilled their objectives or they were promptly discarded if they did not work. Incremental steps also kept the system accessible as changes could be made on an almost continuous basis. Inclusiveness ââ¬â Yashiro believed that the business strategy must always drive infrastructure change, and it was therefore imperative that senior managers be closely involved in the technology transformation. Said Yashiro: ââ¬Å"I have learned that technology and operations are not just support functions.They also offer capabilities that can open up new strategic opportunities and businesses for us. â⬠Transparency ââ¬â Dvivedi tried to keep the technology transparent to the customer, such that the customer woul d not notice anything different when the technology changed. This would allow Shinsei to remain flexible in its technology choices at no inconvenience or disruption to the customer. Ironically, this required great discipline. Dvivedi had to resist advertising the new technology because, as he said, ââ¬Å"the moment you say ââ¬Ëthis is going to improve things for you,ââ¬â¢ you create a dependency. Dvivedi felt this was important so that the bank would be free to pick and choose its technology as systems changed, while the customer would experience only consistent service. Paperless ââ¬â Any paper generated had to be checked, filed, and secured while the absence of paper made work distribution easier. Paper intensive, manual processes were replaced with a nearly paperless environment. A room dedicated to scanning services received all incoming paper correspondence and invoices. Such paper documents were scanned and then filed electronically.The paper documents did not move any further into the office than that initial receiving room. After that, everything was accessible online. â⬠¢ â⬠¢ â⬠¢ All of these efforts supported Yashiroââ¬â¢s principle of minimizing the change required of people. Making new systems look as similar to old ones as possible, and allowing the two to co-exist in parallel, were necessary to minimize the disruption of Shinseiââ¬â¢s employees. Furthermore, they did not set formal replacement dates for any of the new systems they implemented.Instead, they performed parallel runs with reconciliation to ensure proper functioning of the new system. They repeated this process for as long as was necessary until they were sure that the employees were comfortable with the new systems. Only then did they turn off the old system. Getting Results Shinseiââ¬â¢s key success was in assembling the building blocks of its new infrastructure. The entire retail bank system was implemented faster than planned and well below budget. In the end, Shinsei achieved rejuvenation in one year (instead of the projected three years) and at 90% less than the riginal cost estimate. The cost of the overhaul totaled $50 million, while other banks in Japan had paid ten times this amount for similar initiatives. The success of the system transformation enabled 24Ãâ"7 multiple channel access to customers rather than a single channel service that was only available from 9am to 3pm. In addition, they were able to obtain real-time balances from these channels, and roll out new products quickly by leveraging standard building blocks that were already in place. Management controls were also significantly improved through the new system.The old 6-day reporting cycle ââ¬â characterized by chronically late financial ledger data ââ¬â was replaced with a daily one, with the added ability to provide customer and product profitability tracking data on demand. 8 Information Technology and Innovation at Shinsei Bank 607-010 They w ere also able to perform continuous reconciliation on all accounts and standardized what were non-standard, non-documented procedures. New Services ââ¬Å"We have a very specific value proposition for customers,â⬠incoming CEO Thierry Porte said. Itââ¬â¢s based on convenience, ease of use, empowering customers, offering things on a low-cost basis, so our ATM system is free and we also offer free Internet transfers. At the same time, we offer high-quality products and services. â⬠One of these new services was an innovative branch operation featuring ââ¬Å"cashless tellers. â⬠Dvivedi believed that a key tenet of the customer service model was the interaction between staff and customers. To enhance this interaction both paper and cash had to be eliminated from the hands of the branch staff.Paper and cash, Dvivedi felt, were ââ¬Å"avoidable distractionsâ⬠that merely got in the way of superior customer service. In eliminating paper and cash, the staff was abso lved of the traditional duties of cash-counting and receipt-printing, and could solely service the customer. Indeed, the bankââ¬â¢s branch services were entirely self-completed; the staff was present only to provide assistance as needed. All transactions took place online, at Internet portals in the branch. The transaction could take place anywhere, however, that the customer was connected to the Internet.Online-only transactions effectively eliminated paper from the system, and also allowed the customer to be responsible for his own transactions. The customer was asked to double-check each transaction before authorizing it. This greatly reduced the frequency of errors. Cash was available from the branchââ¬â¢s ATM machines; staff guided the customers to use the ATMs for both withdrawing and depositing cash. If a customer did not have his ATM card, a staff member would electronically transfer the desired sum from the customerââ¬â¢s account into a tellerââ¬â¢s account, and then retrieve the cash for the customer from the ATM.ATMs Most Japanese banks charged fees of 100 to 300 yen, when ATMs were used in the evenings or on weekends, or when customers withdrew money from other banks. Shinsei, to make up for its limited branch network, allowed customers to use ATMs any time free of charge. This distinguished Shinsei from other Japanese banks. Shinsei saw this as a way to attract customers to the bank at very low cost, for they did not have to expand their branch network in order to connect with their customers; they could do it through ATMs. The operating cost of the ATMs was relatively low.In 2001, Shinsei offered a new service enabling customers to withdraw cash free of charge from ATMs outside of Japan ââ¬â 650,000, to be exact, in 120 different countries, through the PLUS system offered by Visa International. Citibank also offered no-fee use of international ATMs, but was part of the CIRRUS MasterCard network, which had only 530,000 ATMs in abou t 100 countries. Hours Shinsei kept its branches open on weekends and holidays in order to offer services such as same-day account openings, targeting customers who might be too busy to visit the bank during the week.Shinsei used its computer system ââ¬â operated nonstop ââ¬â to enable the processing of new accounts and other applications in the same day. Other financial institutions followed suit and began staying open on Saturday and Sunday, but services were limited to mortgages and asset management consulting. Anything that required the computer system could only take place during the week as their systems shut down on the weekends. Shinseiââ¬â¢s branch hours of 10am to 8pm every single day of the year (except New Yearââ¬â¢s Day) enabled ustomers to do any type of banking, including sale of mutual funds and insurance policies, at their own convenience. 9 607-010 Information Technology and Innovation at Shinsei Bank Looking Back Yoshikazu Sato, a senior member of th e Technology team at Shinsei, who worked closely with Dvivedi, revealed the apparent simplicity of Shinseiââ¬â¢s model: ââ¬Å"If you stand back and examine what we have done, there is nothing unique about it. The principles we follow have been around for years. Describe what we do to a manufacturing engineer and he may well remark, ââ¬Ëwhatââ¬â¢s so special about it? ââ¬â¢ Anybody can buy what we buy.Deconstructing a problem until a standard component can be used, or using low-cost, easily available materials (in our case Dell PCs and Windows software) has been practiced for decades,â⬠he said. ââ¬Å"What makes us different is our ability to focus on applying these principles repeatedly with persistence and without deviation. The manufacturing industry has been moving its operations to the lowest cost and most effective locations for decades. We have replicated it in our use of virtual organizations; people with skills needed for our work are connected in from whe rever they are located.Not having to move people around saved us time, money and gave us an extremely scalable capability,â⬠said Pieter Franken, the architect and designer of Shinseiââ¬â¢s core systems. ââ¬Å"My key task is to ensure that as we do all of this, we are also institutionalizing the work we have done and to continuously expand the technical team to take up all this work,â⬠said Dvivedi. Looking Forward Dvivediââ¬â¢s ââ¬Å"institutionalizationâ⬠of Shinseiââ¬â¢s system development process forced the team to think about applications of the model in the future, as well as what challenges lay ahead.Shinsei was focused on growing by acquisition and, for those acquired businesses, the objective was to change the technology and process platform to enable rapid new product roll-outs and to build better quality services. The ability to do this at lower cost would create a significant competitive advantage. ââ¬Å"Our focus is to be able to support all t he Shinsei businesses for their Information Technology needs and help them achieve the same level of technology now being employed by Shinsei Bank,â⬠said Dvivedi. ââ¬Å"We can add value to our businesses with our strength and know-how. In 2006, Thierry Porte succeeded Yashiro as President and CEO of Shinsei. ââ¬Å"Thierry has a clear vision of where he is guiding Shinsei,â⬠noted Dvivedi. ââ¬Å"He has outlined a growth plan for our key businesses that will require us to scale up for much higher volumes, and support a whole range of new functions and features to facilitate the launch of new products and services. â⬠As CEO, Porte was well-aware of how Shinseiââ¬â¢s technology would enable his plans for the bank. ââ¬Å"Our technology is a door-opener for new business opportunities.If we can get our customers in other industries interested in the approach we take to technology design and deployment, to look at the kind of capabilities and services we can help the m build, it will be a unique way to position ourselves and grow our core business of banking. If we can do this it will expand our franchise and be a source of additional revenues,â⬠said Porte. Dvivediââ¬â¢s Response After a night of reflection the time had come to respond to Porteââ¬â¢s request. Dvivedi opened an email and began typingâ⬠¦ 10
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