Critical analysis Essay Example | Topics and Well Written Essays - 1000 words - 1

Basic investigation - Essay Example Toward the finish of the story, we discover two positions being given to the nearness of the young ladies in the store. Incidentally, both Lengel and Sammy have been taking a gander at the young ladies with a similar male gaze, however wind up performing totally different activities thus. While Sammy goes to bat for the young ladies' privileges, the director depends on a regular dissatisfaction with their clothing and humiliates them for it. In Faulkner's short story, the wrongdoing isn't assault - truth be told, Minnie's companions even marvel on the off chance that she was really assaulted by any means. The wrongdoing is that the men accept that a dark man set out to assault a white lady. While the men rebuff him by executing him, the ladies are viewed as gossipy and needing to know insights concerning the assault as opposed to attempting to give their companion comfort. Perspective might be utilized as a topical gadget when the creator or storyteller of a short story appears to be increasingly worried about introducing a viewpoint on the subjects of the content, as opposed to recounting to a story or causing to notice ordinary parts of character or plot. Virginia Woolf altered the procedure of giving perspectives her utilization of continuous flow and the inside monolog. In Kew Gardens the perspective is that of the bloom bed, while the bed and the creepy crawlies and different highlights in it are introduced in sharp center, we just observe a 'cut' of the lives of the individuals who are strolling by. The main couple's passing by shows that they are offended from one another - he is strolling a few stages from her. Indeed, even the horrendous memory of losing his first love is a divided one, as it is uncovered that he can recollect irrelevant things about it substantially more unmistakably than he can - or needs to - review the occasion itself, where his sweetheart turned down his proposition of marriage. His significant other and youngsters and his entire life appear to be irrelevant in contrast with the little, trifling subtleties amplified in the story. Russell Smith's short story utilizes perspective to compare what individuals are and what they need to be. His hero discovers life in the urban world abusive, and the story perspective appears to be scornful about existence in such metropolitan communities as Toronto, where triviality is the standard and genuine importance is frequently overlooked. #3. Talk about incongruity as a key component in the story The Age of Lead by Margaret Atwood and the story The Gospel as per Mark by Jorge Luis Borges. In Atwood's The Age of Lead'' the incongruity is by all accounts that two individuals who didn't need conclusiveness in their lives end up with only passing and a 'solidified' presence. The body of the dead mariner that is solidified and being discussed non TV is a solid illustration for the lives that the storyteller and Vincent have been living. Of specific importance appears the way that the mariner has been dead for long, however that his body is completely saved since he kicked the bucket in the Arctic. The body represents a dead presence where one stays stale and should be dead. Vincent kicks the bucket of an anonymous sickness at a moderately youthful age, meaning that

Employer Policies Essay Example | Topics and Well Written Essays - 250 words

Business Policies - Essay Example In light of moral premise, a business ought to give retirement plans to the representatives. A model is the 401 (k) plan or the IRA plan that is generally reasonable for independent ventures (Steingold, 2015, p. 118). A business, notwithstanding, ought not guarantee a representative a particular salary level after retirement. Rather, a representative wins their commitment to the arrangement. In light of good administrative aptitudes, a business ought to think about all the regulatory necessities. That conforms to the ERISA that expects bosses to have plan overseers. Taking an interest representatives must have a duplicate of the rundown plan depiction, synopsis yearly report and survivor inclusion information. A business must not neglect to document Form 5500 with the IRS, yearly (Steingold, 2015, p. 122). A key business arrangement in the field of innovation the board is the Affordable Health Care Act. The Act has various legitimate, moral and administrative measurements. It is helpful to ladies through in light of the fact that it gives protection alternatives to ladies covering preventive administrations at moderate expenses. It is appropriate for youthful grown-ups through its inclusion gave to them up to when they are 26 years old. There are a few advantages from the different yearly health visits gave under the Act. What's more, there are preventive administrations offered for seniors who have Medicare. Cutting edge administrator or chief advantages from arrangements of the Act that places responsibility to insurance agencies for any expansion in premium by

Download Free DVD Burner For Mac OS X

Download Free DVD Burner For Mac OS X Make Money Online Queries? Struggling To Get Traffic To Your Blog? Sign Up On (HBB) Forum Now!Download Free DVD Burner For Mac OS XUpdated On 20/04/2018Author : RobinTopic : AppleShort URL : http://bit.ly/2ozfHmv CONNECT WITH HBB ON SOCIAL MEDIA Follow @HellBoundBlogApple Mac OS X default CD or DVD Writing software may not be user friendly for many. And you dont have to shell out some money to buy a software on app store as you can find the best CD or DVD writing software from third party websites. If you are looking for free software to burn dvd on Mac OS X, then here we got an excellent and simple utility that comes handy.Burn: Free DVD Burner for Mac OSBurn is a free app that comes for Mac OS X with very simple interface to be the best dvd burner for mac. The simple interface is one big success that people love this utility to burn CD or DVD easily. If you like to write data disc then choose the first tab and select the files that you want to burn on your CD or DVD. Audio and Vi deo got separate tabs as well.Burn Copy, is a simple DVD to DVD or CD to CD Copying utility where it best suited for Disc Images burning process. DVD Copy feature works super fast and you dont have to try out any paid programs for just copying a disc to your local hard drive or to another disc. You may connect another USB Drive and copy dvd to dvd or cd to cd quickly using Burn Tool for Mac.READPrice Of Apple iPad In IndiaBurn is a freeware and can be downloaded from its official download page. I hope this software has saved your time and money. Will bring more this kind of freewares for your Mac and do subscribe to our Feeds or Like us at Facebook to stay updated.This article is written by Robin. He is a Freelance Content Writer and Blogger, who also works for DVDFab. Premium software always performs best when it comes to video and audio converting.

A Look At The Advertisement - 1758 Words

Take a moment to look at the advertisement shown above. From a distance this image appears to be nothing more than a typical advertisement of this day and age- an image of a thin, minimally dressed woman who is more than willing to expose her â€Å"perfect† body to the world for the sake of selling a product. Harnessing present-day society’s obsession with the female body and even sexuality, this image seems to possess all the ingredients necessary to be what some would consider a successful and convincing ad. However, all is not as it would seem in relation to this ad. With a closer observation of this image, any onlooker finds himself unpleasantly surprised and uncomfortable with the discovery of a rather shocking element within this picture. Finding the flaw within the seemingly â€Å"perfect† beauty, a deformity within the model’s body is discovered, as it is now clear that one of the model’s breasts is actually absent from her body. Left be hind in its vacancy is nothing but a harsh, painful scar. A scar of this nature is sure to have a heart-wrenching story behind it, and that story undoubtedly begins with the development of one thing- breast cancer. Unfortunately, in recent years, more and more women have obtained similar scars that are inevitably the result of a long, tragic battle with breast cancer. This disease has become an epidemic across the globe, infecting women in every cultural and social background imaginable. In fact, this disease has impactedShow MoreRelatedCigarettes Advertisements : A Look At Couples Essay1540 Words   |  7 PagesCigarettes Advertisements: A look at couples’ portrayal in the past and present Consumers are struck by several different and diverse advertisements trying to incentivize cigarette smoking. Big tobacco corporations have often used masculinity in the characters of their ads whom have made it ‘cool’ to smoke. The advertising of cigarettes goes back to when companies used creative solutions to sell cigarettes, when a scare arose to make cigarettes seem bad for you because it caused cancer. CigaretteRead MoreTaking a Look at Magazine Advertisements505 Words   |  2 PagesCompanies have been using advertisements in magazines as means of marketing for many decades now. While the purpose for ads, which is to get the consumer to buy their products, is seemingly obvious. Most of the messages that ads are sending are being received to the viewer’s subconscious mind. As Jean Kilbourne touches upon in her documentary Killing Us Softly 4, ads not only tell us what we need to buy, they tell us who we are (Killbourne, 2010). The specific ad I will be anal yzing is an ad thatRead More A Look into Calvin Klein’s Advertisements Essays525 Words   |  3 PagesA Look into Calvin Klein’s Advertisements As a seductive young man looks into a camera a raspy voice, off camera, whispers, â€Å"You got a real nice look. How old are you? Are you strong? You think you could rip that shirt off? That’s a real nice body. You work out? I can tell.† No, it’s not straight out of a steamy romance novel, though it could be. This is just one example of how provocative Calvin Klein’s advertisements have been. Although the ads boosted sales for the Calvin Klein empireRead MoreImpact Of Advertising On Female Identity Formation1592 Words   |  7 Pageshighly concerned with beauty. From magazine to television advertisements, women are bombarded with images of perfection—perfect figure, perfect hair, and perfect skin. Moreover, advertisements sell products that would help improve women’s appearance. The problem with these advertisements is the subjectivity of beauty as a whole. Every individual has his or her own preference and perspective on what it means to be beautiful, but for advertisements beauty is obtaining perfection. One of the most controversialRead MoreAdvertisements Are A Popular Display Of Marketing1480 Words   |  6 Pages Have you ever really looked at ads, though? I mean, if you look closely and I mean really look closely, advertisements aren’t what they appear to be, in most cases. Advertisements are a popular display of marketing and have been for decades and will be for decades to come. For as long as I can remember, advertisements have been a popular way of getting a message across. Whether they are simple or colorful, they catch the eye of someone that’s reading a magazine, or a newspaper. No matter how muchRead MoreSimilarities Between Dolce Gabana and Camel Cigarette Advertisements618 Words   |  3 Pagesexamination of the Dolce Gabana and Camel cigarettes advertisements show that their main objective is to attract a given audience. The first picture represents an advertisement of Do lce Gabana lipstick worn by a sensual woman. The second picture is an advertisement of Camel cigarettes being smoked by an attractive woman. Advertisement of the Dolce Gabana lipstick and Camel cigarettes intend to grab the attention of the consumers. Effective advertisements should have to ability to quickly and effectivelyRead MoreInfluence Of Advertisements On Society1530 Words   |  7 PagesAdvertisements Advertisements are considered as an art to try to persuade people that certain products can make their lives better. Advertisements have been around in the United States since 1841. Advertisements influence society on what to buy. Advertisements lures society into buy their products. The basic role of advertisements is to provide people with basic information about a product. Companies hire celebrities to be in the advertisement in order to get more consumers to appeal to the advertisementRead MoreJack Solomon s Master s Of Desire : The Culture Of American Advertising1214 Words   |  5 PagesIn our society today a business is not a business without an advertisement. These advertisements advertise what American’s want and desire in their lives. According to Jack Solomon in his essay, â€Å"Master’s of Desire: The Culture of American Advertising,† Jack Solomon claims: â€Å"Because ours is a highly diverse, pluralistic society, various advertisements may say d ifferent things depending on their intended audiences, but in every case they say something about America, about the status of our hopesRead MoreAnalysis of Two Advertisements Essay773 Words   |  4 PagesAnalysis of Two Advertisements I will be analysing two advertisements, stating how effective they are likely to be in achieving their purpose and in selling as a cruise holiday. In my analysis I will include a list of persuasive techniques used in these advertisements. Undoubtedly, the purpose of an advertisement is a strong appeal to the readers. The purpose of the first advertisement; Ciudadela, Menorca, is to persuade the audience to try this holiday. It strongly Read MoreGender Socialization : Social Expectations And Attitudes Associated With One s Gender1372 Words   |  6 Pagesacross advertisements, many of them revolve around gender and gender socialization. Gender socialization is â€Å"the process of learning the social expectations and attitudes associated with one’s gender† (Chegg). Our book discusses gender socialization regarding the expectations for masculinity and femininity (Wood 2015). Most companies use these expectations to create their advertisements, but some companies contradict the expectations to create a different vision for gender advertisements. The gendered

The Violence Of Black Men And Women - 1436 Words

Yes all lives matter, however, a pattern of black men and women have been murdered by police brutality; therefore, we need to concentrate on preserving Black at this moment. At this very moment, in the United States, there have been destructive riots and peaceful protest from all races but mostly African Americans because we continue to witness our black men and women die from police brutality without justice being served. It is significant that whoever wins the presidential Election will take steps in assuring that all people especially black people are protected by the police and not murdered by them. It is important that this president take steps in assuring that the justice system will began to be just in cases such as the Treyvon Martin, Eric Garner and Sarah Bland. It is important the president ensures that officers are properly trained when it comes to dealing with those who are unarmed for the simple fact that there are other methods to arresting a person that is unarmed wit hout killing them. It is prominent that the President search for other solutions that will decrease the amount of police brutality that is inflicted on African Americans on a day to day basis. Because quite frankly, we are disgusted and angry, and tired of seeing youth die for ridiculous reasons. To begin with, there’s the case of Treyvon Martin a seventeen year old high school student who resided in Florida. In 2012, Martin was visiting his father’s house while walking to his father’s house,Show MoreRelatedBlack Women And Domestic Violence Essay1701 Words   |  7 PagesBlack women experience a lot of things in life differently from others, because of their intersectionality of being not only a woman, but also black. They are a double minority and they feel this double minority through many different aspects within their lives. The aspect that black women deal with differently, is domestic violence. Black women experience and deal with domestic violence differently than white women, and anyone who else experience domestic violence. Through this paper I would likeRead MoreHow Has White Patriarchy Affected Black Masculinity?1339 Words   |  6 Pages100987702 WGST 2811–A01 Masculinities Essay: How has white patriarchy affected black masculinity? White patriarchy has strongly affected black masculinity in many ways. 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Theoretically, these societal norms that have been in grated to us since childhood lead us to believe that the male gender has the right to do whatever they want while at the same time restrict the female gender from doing the same or condemn or punish them if they fail to obey such stigmas. So far, efforts have only focused on responses and services for survivors; given the devastating effect violence has on women. Preventing the violence from happening inRead MoreAnalysis Of Bell Hook s We Real Cool : Black Men And Masculinity840 Words   |  4 PagesBell Hook’s We Real Cool: Black Men and Masculinity, the culprit to the Black Lives Matter (â€Å"BLM†) movement is masculine patriarchy which, in turn, reinforces racism and oppression. However, the general public fails to recognize that the Black Lives Matter Movement stemmed from oppression to black males, not the black community as a whole. Furthermore, even though this movement is intended to fight anti-Black racism, it is attempting to focus on the empowerment of black women. A. BLM History The BLMRead MoreRap Music Is Not The Only Type Of American Music Associated With Sex And Violence1508 Words   |  7 PagesRap music is not the only type of American music associated with sex and violence. The history of Rock’s Roll for example, is a good example. The same arrangements, with white people at the top, uplifted an entire American generation on sex and violence in other types of music. Now they are doing the same with rap music (Roberts, 1994). Rappers have thus been forced to abandon the stated goal of their humble beginning to conform to the marketable aspects of their crafts. (Rebollo-Gil Moras, 2012)Read MoreThe Primary Goals Of The South1623 Words   |  7 Pagestraining and job placement of the newly freed men. Not the freedmen as a whole but specifically the freed men. There was no effort or attention given to the more than one million women who too were freed, it is in this action where we find the marginalization of the minority within the minority be gins. In her memoirs, Sophia B Packard, Co-founder of Spelman College, an all-girl historically black college, described the deplorable conditions of black women in the south, stating that many of them wereRead MoreGender And Gender Violence1482 Words   |  6 PagesGender-based violence is the unequal power relationships between men and women. It includes rape, sexual assault and harassment, domestic abuse, and stalking. Gender violence reflects the idea that violence is often used to uphold structural gender inequalities. Gender violence includes all types of violence against men, women, children, gay, lesbian, and transgender people. Gender violence may be experienced differently based on the social variables of race, age, gender, social class or anotherRead MoreAnalysis Of Bell Hooks s We Real Cool : Black Men And Masculinity951 Words   |  4 PagesAs echoed in Bell Hooks’s We Real Cool: Black Men and Masculinity, the culprit to the Black Lives Matter (â€Å"BLM†) movement is masculine patriarchy which , in turn, reinforces racism and oppression. The general public fails to recognize that BLM stemmed from oppression to black males, not the black community as a whole. Furthermore, even though this movement is intended to fight anti-Black racism, it is focusing on the empowerment of black women. A. BLM History The BLM movement initially emerged in

WORK BOOK Unit 13 level 2 DEM201 NCFE - 2382 Words

WORK BOOK-J/601/2874 (DEM201) Learner Name: SHIBLU AHMED KHAN Date completed: ...................................................................... J/601/2874 (DEM 201)- DEMENTIA AWARENESS. Unit aim: This unit enables learners to gain knowledge of what dementia is, the different forms of dementia and how others can have an impact on the individual with dementia. Credit value-2 Level 2 This workbook covers the following elements: Learning outcomes: There are four learning outcomes to this unit- 1. Understand what dementia is 2. Understand key features of the theoretical models of dementia. 3. Know the most common types of dementia and their causes 4. Understand factors relating to an individual’s experience of dementia Question-†¦show more content†¦Everything possible is done to ensure that people have symptoms under control and are as well as they can be. The model recognises the need for people to receive care and to have their needs met. This can be at home, or more often in a residential or nursing home. Families and carers are supported to look after the person with dementia and are kept informed on all aspects of a person’s care. Plans are developed in consultation with carers: risks to the person are considered and steps put in place to ensure that people are kept safe. Question- (2.2) Outline the social model of dementia. Answer: The social model of dementia is about the person, and how it affects individuals. The social model of care seeks to understand the emotions and behaviours of the person with dementia by placing him or her within context of his or her social circumstances and biography or in other word he is in centre of everything of the planning. By learning about each person with dementia as an individual, with his or her own history and background, care and support can be designed to be more appropriate to individual needs such as ‘can do’ area and build on these areas rather than looking at the problematic. Question- (2.3) Explain why dementia should be viewed as a disability. Answer: People who have dementia are not aware of requirements for living. They can forget to do the essential things that are vital. Taking medicines, hygiene and even eating are often forgotten. They can

Segmenting Consumer Decision Making Styles -Myassignmenthelp.Com

Question: Discuss About The Segmenting Consumer Decision Making Styles? Answer: Introduction Commonwealth is an Australian bank having business across US, UK, New Zealand, Fiji and Asia. The bank is one of the recognised brands in Australia. It was established in 1911. The headquarter is situated in Sydney. It is a leading provider of financial services. The bank provides financial services such as funds management, institutional and retail banking, superannuation, investment, insurance, and share broking products (Abeza, OReilly Seguin, 2017). Commonwealth bank listed on the Australian stock exchange in 1991 and is the largest Australian listed company as of 2015. Product/ Market orientation The Commonwealth Bank offers a huge variety of products and services to customers such as saving accounts, credit accounts, transaction and loans. The bank has a large network of ATMs. It also offers services to people who are planning to shift to Australia. The business banking products offered by bank are: Business accounts: The accounts available by the bank include Business transaction account, Premium business cheque account, Farm management deposit account and business online saver. Business credit cards: The Commonwealth Bank has a large variety of credit cards designed for businesses, Platinum credit card, Interest free rate card, Low rate card and the Business awards. The Platinum credit card allows a business to earn 3 flyer points for every dollar spends on the purchases such as supermarkets, petrol stations and departmental stores. The bank offers corporate credit card especially for large companies (Huang Sarigll, 2014). Business loans: The bank offers loans for reinvestment and expanding business, as per the suitability of business. The range of loans include Better business loan, Bill facility, Business overdraft, Market rate loan, CommSec margin loan and Business line of credit. The bank also offers loan for car equipment and finance, credit cards and bank guarantees (Jrvinen Karjaluoto, 2015). Merchant services: The merchant services are used by the business to accept payments through EFTPOS machines. The bank offers range of portable payment processing machines such as Leo, Albert and Emmy. The bank also offers 24X7 support service. Asset finance: The bank makes available car and equipment finance with payment plans. These are designed according to suitability of cash flow of business. A business can choose equipment finance, car finance, medical equipment finance and technology equipment finance (Bianchi Mathews, 2016). Investments: The bank offers short, medium and long term investments which helps a business to cover cash flow shortfalls and to expand business. These investments have great role in building wealth for future. International money management: A huge range of services is offered by the bank to deal with international business transactions, like products for importers and exporters and international payment solutions. Insurance: The business insurance products are available by the Commonwealth bank. It includes life insurance, wholesale life insurance, business overheads cover, vehicle insurance and income protection packages (Levy Cohen, 2016). Superannuation: The bank creates super solutions as per the need of business and has also options of employer superannuation and self-managed super fund. The products include self-managed super fund, essential super and first choice employer super fund. Value proposition and differentiation Value proposition is what a business does and how well is performed. Value proposition is a statement used by bank to explain how their product solves problem of customers and why a customer should buy product or service (Arnett Wittmann, 2014). Value proposition is a chance to engage with customers. Integrity: The commonwealth bank believes in integrity. It is the most important value proposition of bank. Integrity means saying and doing what is right for customers, people, community and shareholders. Collaboration: The bank believes in working as one team. The bank has a strong record in delivering value to customers and shareholders. It has more than 52,000 employees working as a team. Excellence: Commonwealth bank believes in excellence which means doing best. It is not about only having mind set. The bank is constantly trying to do best and deliver world class service. Accountability: The value proposition of bank is accountability means taking ownership. The bank follows and delivers to customers what was promised to them (Rezaei, 2015). Service to clients: Service is the most important value proposition of bank which means to help customers. It makes bank leading financial service provider. The bank helps customers to attain their goals and to meet their needs. Service to support community: The bank has been helping communities of Australia to develop and grow. The company is engaged in supporting communities to make a real difference. Digital experience differentiates the Commonwealth bank. The primary way of consumers interaction with banks is digital channels. Two third of customers transacts through internet banking. Digital experience has a great role in determining how consumers feel about banks. The consumers rated the bank as providing best digital experience. The bank makes continual investment in the features of online banking application and services. It is identified that customers who use online banking hold most value for the bank. It encourages customers to choose products in both present and future. The bank is the first to introduce lock, block and limit facility for credit card customers. It allows customers to track and control spending online. The credit card reward points also differentiate from other banks (McDonald Wilson, 2016). The customers need 2 of the banks award to get one flyer point. The bank also launched Australias first card less cash service which enables customers to use smart phone application to withdraw cash without card at banks ATM. Customers need, want and demand Meeting customer needs means increasing capacity of banks. The need and want of customers can be determined as: Digital channels: A large percentage of customers rely on digital channels than physical branch. The bank needs to focus more on building improved digital experience. The customers are more segmented and complicated. Personal banking needs to know customers and understand what kind of product or service they are looking for. Digital channels not only provide facility to customers but it boosts up the sales of bank also. The customers came to know about additional services given by bank. Digital channels are helpful in cross selling (Leite Azevedo, 2017). Responsive customer service: Service quality is necessary as it is the important reason customers switch to other banks. The bank needs to be transparent and quick to solve problem of customers. The poor customer service is the primary reason of leaving banks. The reason was their issue was not solved in first contact with bank. The responsive customer service not only helps to win customers but attains existing ones. The customers can interact more via digital channels, it helps banks to better understand need of customers. These channels increase retention by giving extra offer on products. Financial technology: Financial technology is the new technology expected by customers which aims to compete with traditional methods to deliver financial services. It enhances core banking value. Financial technology includes the use of phones for mobile banking and investing services (Patti, et. al.2017). This technology is used to replace existing financial banks. It is useful for customers, as they do not need to carry cash as it is electronic mode of payment. Loans at low interest: After deciding the type of loan, the customers focus on the rate of interest charged by bank. The majority of customers like to take loans at low rate of interest. So, the customers take loan only after comparing interest rate of banks. The customers automatically shift to the banks who charge low rate of interest. The Commonwealth bank provides home loans, commonwealth portfolio loan, personal loans, business loans and more. The bank also provides loans at variable and fixed rate. Fair rates and fees: the customers expect fair rates and fees from banks. The banks do not pay dividend to external shareholders, so banks are supposed to deliver better value to customers. The banks balance the rates paid to depositors and the rate charged from borrowers so that fair rate and fees can be charged from customers (Katsikeas, et. al.2016). Expectation of customers More personalisation: Customers want bank to put information and products, they are in need. Nearly 50% of customers will change the bank, if they do not find the products wanted by them. The toll free number should be displayed on website, to provide them 24X7 help. So, at the end of the day, the staff should take a look at customer requests and questions. More options: The customers like to interact with bank via many options other than physical branch like digital and social media. The phone is the most preferred tool and apps are the most suitable tool. In the recent years, the use of web, online communities and chats has increased subsequently. Constant contact: The majority of customers expect follow up efforts to fill their experience. It benefits an organisation on large extend. Keeping in touch with customers helps to reduce costs and increase revenues as well. It provides sufficient information to customers at right time (Chng, et. al.2015). Listen closely, respond quickly: The banks need to respond to feedback of customers. To act on it to makes customers experience better. Real-time online surveys provide the quick response to customers. Factors influencing buying behaviour Purchasing power: The purchasing power of consumer plays important role in influencing buying behaviour. The consumers analyses the purchasing power before making a decision to buy banking products and services. Segmentation is done in banking on the basis of need and income of consumers (Lusch Vargo, 2014). Like a person earning higher income, like to invest in fixed deposits. Personal preferences: At personal level consumer behaviour is influenced by the need of customers. Their need decides the demand for a product. The type of loan also depends on the requirement of a person such as personal loan, home loan, business loans, portfolio loans etc. The customers preferences keep on changing depending on their requirements. Economic conditions: Buying banking products are also influenced by the economic conditions prevailing in the market like buying life and health insurances to see ailing condition of population in economy (Tarka, 2017). The growth of share market also influences buying behaviour and leads a person to invest in shares and mutual funds. Marketing campaigns: Advertisement has a great role in persuading purchasing decisions made by customers. It even brings a great shift in market shares of banks (Rcker, Homburg Vomberg, 2016). The marketing campaign done by banks influences purchasing decision of consumers to a large extend that they may prefer other bank. Group influence: It also affects the buying behaviour of customers. The primary group which influences customers are classmates, family members and relatives. The secondary group includes neighbours and colleagues, like taking insurance policy. They tell the benefits of taking insurance to influential person. It may convert the lead to perspective. Nature and level of competition New market entrants results in high degree of competition. The customers have many options in Australia to meet their financial needs such as major banks of the country, regional banks, credit unions, non-bank lenders and non-financial consumer brands. The comparison available on online sites makes easy for customers to compare products of different banks (Cross, Belich Rudelius, 2015). The National Consumer Credit Protection Act, 2009 has made it compulsory to provide necessary key facts sheet and information to customers applying for credit card or home loan. Deposits: The numbers of deposit taking institutions are increasing in Australia as APRA lowers licensing difficulties. The country has 152 authorised institutions out of which 108 are approved to take household deposits. The banks which held household deposits are increased by 43% from 2012 to 2017. Since the introduction of Basel III, the banks have started focussing on competing for domestic deposits and term deposits. The banks have concentrated more on source of funding (Bianchi Andrews, 2015). Payment credit cards and personal credit: The competition has increased for payments as franchises compete in the financial system such as AliPay, Apple, PayPal and FinTech companies. For instance Apple launched a virtual Apple Pay prepaid credit card which accepts Apple payment and it can also send peer to peer payments via Apples iMessage service (Babin Zikmund, 2015). There is increase in number of service particularly in credit cards. In Australia, there are 100 credit card brands offers 250 credit card products. Mortgages: Australia has intense competition in the mortgage market, refinance made up 36% of the volume of housing finance commitments. The mortgage brokers facilitate competition. The Australian Finance group has 2,875 brokers who have right to use more than 3400 products. More than 16000 residential brokers are active in the industry; The value of mortgages has also increased from 47.7% in 2012 to 54.3% in 2015. The consumers are taking turn towards non-bank lenders because of the increasing growth in the less regulated banking sector for mortgages. Corporate and institutional banking: The entry of international banks and Asian banks has made competition intense in the corporate and institutional lending market of the country. It has led to significant liquidity in the market. Institutional investors are also an option for borrowers where they are seeking longer tenancy. It combined with growing capital costs of Australias major banks and resulting in great price competition for Australian banks (Lantos, 2015). It has subsequently reduced the market share of corporate and institutional banking segment. New entrants to the Australian market in recent years: The FinTech industry of Australia has record investment of $656 million in 2016. It is seen because of the less competition in the financial system has encouraged new entrants. The Sydney based FinTechs has also increased five times more in 2017 than 2014. In the recent years, Australian banks have also united with the new market applicants (Bellin, 2017). It provides talent and innovative ideas. The banks that are established offer mature process and access to distribution channels. Conclusion From this report it has been concluded that Commonwealth bank is one of the leading bank of Australia. The product of the bank has quite different features than other banks. 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