Thursday, December 26, 2019
The First Job Position That I Got Became The Fire Chief
The first job position that I picked was the Fire Chief. The general requirements for this position would be under limited direction, perform responsible work in the administration of the County fire and rescue services in accordance with Federal, State, and County laws. Work involves directing, planning, budgeting, developing, organizing, and managing the public fire and rescue system for the County. Responsible for implementing activities required in the long-term planning and budgeting for the County volunteer fire departments, serving as liaison between County administration and volunteer fire departments, and directing the activities of the Fire Rescue Division in emergency situations in order to protect lives and property of those inâ⬠¦show more contentâ⬠¦Work involves directing, planning, budgeting, developing, organizing, and managing the public fire and rescue system for the County. Responsible for implementing activities required in the long-term planning and budget ing for the County Volunteer fire departments, serving as liaison between County administration and volunteer fire departments, and directing the activities of the Fire Rescue Division in emergency situations in order to protect lives and property of those in need of assistance. Duties for this Position â⬠¢ Supervises staff including but not limited to prioritizing and assigning work; monitoring and managing performance and conducting performance evaluations, ensuring that staff is trained, maintaining standards, coordinating activities, allocating personnel, making hiring, termination, and disciplinary/grievance decisions, and recommending and approving employee transfers, promotions, and salary increases. â⬠¢ Develops and oversees implementation of the Countyââ¬â¢s fire/rescue protection system which includes assessing community needs, setting priorities, determining available resources, and evaluating protection options. â⬠¢ Formulates and enforces departmental rules and regulations, work methods, and procedures. â⬠¢ Reviews reports of the activities of each fire/rescue division and provides feedback to
Wednesday, December 18, 2019
The History Of Social Psychology - 2266 Words
The history of social psychology goes far back in time. ââ¬Å"Aristotle believed that humans were naturally sociable, a necessity which allows us to live together.â⬠(McLeod) Plato was also another influencer in social psychology by saying that ââ¬Å"the state controlled by the individual and encouraged social responsibility through social context. (McLeod) Social psychology is the section of psychology that studies individuals in a social environment. It studies how people think and how they feel, and why they do the things they do. This field of psychology studies aggression, attitudes, group dynamics, discrimination, and perception. Being able to understand why social psychology is important and useful for many reasons. ââ¬Å"First, we can better understand how groups impact our choices and actions.â⬠(Cherry) Social psychology depends on scientific research to find theories of behavior. Through understanding this field of psychology, ââ¬Å"we can better understand h ow groups impact our choices and actions.â⬠(Cherry) In many cases, people behave and react differently based on the type of situation. A major factor of the reaction outcome are the ââ¬Å"environmental and situational variables.â⬠(Cherry) Some outside variables may include aggression, attraction, love, or altruism. Social psychology can be defined as connecting mental states alongside of human behavior in their social surroundings. Unlike a few fields of psychology, social theories are specific and centered on one topic rather thanShow MoreRelatedEvolution of Social Psychology Essay1668 Words à |à 7 PagesIntroduction Social Psychology is one of the younger sub disciplines within the field of Psychology. In the short span in which social psychology has existed, began with the work of the Norman Triplett in the late 1890s. Tripletts work at Indiana University was primarily experimentation with people in competitive settings. Gordon Allport followed Tripletts experimentation with his observations the attitudes of individuals and the study of the self. While these contributions to the history of social psychologyRead MoreThe Study of Human Behavior in Given Situations1613 Words à |à 7 PagesPsychology is a social science study that covers diverse subject topics and carries out different forms of research in order to understand the development and function of human beings. It is a scientific study that focuses on peoples mind and its functions especially those affecting behavior in a particular context. Psychology is divided into different branches, and each branch addresses its own form of content in relation to mental processes and behavior. Social psychology is one of the psychologyRead MoreInvestigating The Expository Qualification And The Debate Between The Personalistic And Naturalistic Position1574 Words à |à 7 PagesThe objective of this task is to investigate the expository qualification and the debate between the Personalistic and Naturalistic position in the originations of experimental history in psychological research, it likewise clarified the correlation between the two ideas and how the zeitgeist secured the associations with each of these ideas. Zeitgeist portrays as the ââ¬Å"spirit of the timeâ⬠and amid the seventeenth and nineteenth hundreds of years. On the occasion of the recorded advancement of exploratoryRead MoreEssay about Examination of Clinical Psychology1197 Words à |à 5 PagesRunning head: EXAMINATION OF CLINICAL PSYCHOLOGY Examination of Clinical Psychology University of Phoenix PST/480 Karen Wilson Nov 14, 2011 Examination of Clinical Psychology Clinical psychology is a very important as well as popular part of the field of psychology that is used very often. To begin, a definition of clinical psychology will be included. According to APA (2009) ââ¬Å"Clinical psychology attempts to use the principles of psychology to better understand, predict, andRead MoreThree Disciplines1097 Words à |à 5 Pagesways, but if I had to choose between anthropology, psychology, and sociology, I would have to choose psychology. The reasoning behind it will be explained in detail but it can be broken down to three main reasons; being the first discipline with verified results and facts rather than unproven theories, having more post-high school opportunities considering that I wish to pursue a career in business, and being the most in-depth discipline. Psychology has more quantitative information, more interestingRead MoreThe Theory Of Psychology And Psychology1507 Words à |à 7 PagesLikeà any field in history, there has always beenà periods where theoretical foundations are built. The same can be said for psychology. This field has evolved greatly to be considered a science. Psychology has to go through similar process like hard sciences did before it. Psychology has to become widely acceptable by the public, not that psychology hasnââ¬â¢t earned the right to be called a Science with a capitalâ⬠Sâ⬠. As we advance throughout time psychology, is trying to grow into a ââ¬Å"Pâ⬠that is inclusiveRead MoreHistorical Perspectives of Abnormal Psychology1320 Words à |à 6 PagesHistorical Perspectives of Abnormal Psychology Susan Hardin University of Phoenix Abnormal Psychology PSY/410 Krisit Lane, Ph.D. October 25, 2011 Historical Perspectives of Abnormal Psychology Historical perspectives of abnormal psychology sounds complicated, mainly due to the differing definitions, or interpretations, of what is considered abnormal. Identifying someone at work or in a social situation who appears to be behaving abnormally is easier to spot than it is to define theRead MoreKurt Lewin s Influence On Social Psychology Essay1209 Words à |à 5 PagesThere have been many famous psychologists throughout history, including Sigmund Freud, B. F. Skinner, and countless others. Though the psychologist who had the biggest impact on social psychology would be Kurt Lewin. Commonly known as the father of social psychology, Lewin put in countless hours of hard work and research in the study of the individual behavior among social situations. By working with other renowned psychologists, creating theories of his own, and leaving a mark on the world thatRead MoreThe Important Effects of Theories, Systems, and Paradigms on Psychology543 Words à |à 3 Pages Psychol ogy is the study of the way people think and behave. The field of psychology has a number of subdisciplines devoted to the study of the different levels and contexts of human thought and behavior that includes theories, systems, and paradigms. Theories, systems, and paradigms have had an important effect on psychology. A theory is a plausible or scientifically acceptable general principle or body of principles offered to explain phenomena. A theory can also be explained as an abstractRead MoreHistory of Cognitive Psychology1666 Words à |à 7 PagesAbstract An analysis of the history of cognitive psychology. Including key ideas, contributors, trends, etc. History of Cognitive Psychology According to G. Miller of Princeton University, cognitive psychologyà is an approach to psychology that emphasizes internal mental processes. So, ââ¬Å"since the beginning of experimental psychology in the nineteenth century, there had been interest in the study of higher mental processes. But something discontinuous happened in the late 1950s, something so
Tuesday, December 10, 2019
Explain why and how the role of the federal government changed as a result of the Civil War free essay sample
Since the time of British colonization in the New World, sectionalism had played a major role in American politics. Differing geographies and climates had lent to development of varying types of economies. While he north dominated shipbuilding and trade, the South became dependent on the exploration of cotton, rice, tobacco, and indigo for revenue. Such contrasting economies ultimately led to different attitudes towards the welfare of the nation, particularly those which involved slavery, and views most often fell along sectional lines. Individuals such as Crawford, Calhoun, Clay, and Webster advocated for their individual regions, while still hoping to advance in the national goal. However, by the early 1860s, it became clear that compromise was no longer a viable solution. Sectional tensions surrounded the civil war, and the role of the federal government would greatly change in terms of race relations and economic development during the period between 1861 and 1877. While President Lincoln entered the Union, along with the promise of preserving the Union, the possible abolition of slavery was added to the turmoil of the conflict. We will write a custom essay sample on Explain why and how the role of the federal government changed as a result of the Civil War or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Prior to the Civil War, race relations had mostly been left under the jurisdiction of states. Individuals, such as Jefferson and Madison, advocated the importance of states rights and introduced the concept of nullification in their Kentucky and Virginia Resolutions. Such ideals were later embraced by Calhoun in response to the Tariff of Abominations in 1828, and the idea of possible secession became a true threat in the Nullification in 1832. However, the maintenance of balance between free and slave states in Congress brought slavery to the national forefront, and number of Compromises, including that of 1850, requires the cooperation of varying regions. However, the federal government passed a number of Revolutionary amendments during the Reconstruction Era. Government had become further centralized during the war, and exercise of increased executive power enabled the government to enact a number of bold acts of legislation. First of all, the 13th, 14th, and 15th amendments were all ratified in the Reconstruction Era. Following the abolition of slavery as stipulated by the 13th amendment, freedmen were also ensured a number of rights and granted suffrage. Even among the Radical Republicans, including Thaddeus Stevens and Charles Sumner, there was a lack of consensus on the Constitutionality of the 14th and 15th amendments. Both granted more power to the federal government than ever before. Federal government also successfully represented groups such as the Klu Klux Klan. With military presence in the South, federal legislation was enforced. Additionally, support for the Freedmenââ¬â¢s Bureau and other programs was widespread amongst Northerners and effectively enacted in the South for a brief period. It was not until after military reconstruction in 1877 after the election of Hayes, that federal policies regarding race relations became ineffective. In terms of economic development, the Civil War and Reconstruction Era was a boom for industry in the North. New industrial innovations continued to be made and factories became prolific in cities in the North. Since progressive reforms were yet to be made. factory owners were able to exploit their work force, which had become primarily immigrant by the 1870s, and yield the greatest profit. In addition, better communication systems in the North had helped in searing a Union victory. Railroads, canals, and turnpikes connected various parts of the Northern to Western regions. This period of time would open the door to nearly half a century of unlawful practices by railroad owners, including pooling, rebates, and monopolies. The federal government took a lassiez faire stance in terms of economic development, and the supreme court consistently began to cut in favor of big businesses. The Civil War Era and Reconstruction period set the stage for private industry to thrive, and further stratification among American economic classes. Additionally, the Federal government played a further role in economics by advocating a new national currency system, which would provide a sound monetary banking system behing which the Guided Era could unfold.
Monday, December 2, 2019
Saudi Women to Vote
Equality of sexes is a topic that has been under discussion in different parts of the world. Some societies believe that equality cannot be achieved since there are obligations that can only be performed well by men. As a result, such societies look down upon women as people who are weak and people who cannot offer the contribution that is offered by men in society.Advertising We will write a custom essay sample on Saudi Women to Vote specifically for you for only $16.05 $11/page Learn More The truth is that women have the ability of doing what men can do or even doing it better. Denial of voting rights and a chance to run for political positions in Saudi Arabia for women have been oppressive ways of denying women a chance to contribute positively towards development of the country. The announcement by king Abdullah that women will be allowed to vote and given political rights is a positive move. This is because marginalizing women in Saudi Arabia makes them feel as if they are not citizens of the country. It is important for a leader to have advisors but it is more important for the leader to be able to make independent decisions. For instance, king Abdullah relies on the religious clerics whose advice in taken with a lot of weight in the kingdom. Sometimes the advisors may be biased and give misleading advice to the king. The point is that although King Abdullah made the decision after consulting with the religious leaders, maybe he could have made the decision earlier to stop the marginalization of women which has been going on for long. According to king Abdullah, the Sharia law which governs many activities in Saudi Arabia marginalizes women and it is his endeavor and the kingdom to stop the marginalization. This is something that can only be seen through practicality rather than mere words. It should be seen practically that women are no longer being marginalized. Apart from their being given voting rights and a chance to vie for political positions, they should be involved in many other activities taking place in the country. For example, qualified women should be given equal chances with men without discrimination. As a person who is considered a reformist, king Abdullah did something important that will make a difference in the lives of Saudi Arabia women. If king Abdullah is committed towards ensuring that women in Saudi Arabia are empowered, the move to include them in the Shura council should take effect immediately. This is because once women are represented in this male-dominated council, they will be able to take part in the advisory services which will eliminate women marginalization. The Shura council which is mandated with the task of debating important issues in the economy should focus on eliminating religious based restrictions that have no justification.Advertising Looking for essay on gender studies? Let's see if we can help you! Get your first paper with 15% OFF Learn More For instance, preventing women from driving is not justified because there is nothing wrong with a woman driving. Some of the conservative social traditions that Saudi Arabia believes in have no place in our current world and should be abolished. During a time when the talk of equality and value for human rights is rife, segregation of people in public places should be highly discouraged. It is encouraging that King Abdullah made this announcement after realizing that Muslim women are capable of giving the right opinions and advice. As the king pointed out, this is an important starting point of enhancing freedom of expression among Muslim women. The steps are also important since they will shield the country against the uprisings that have been witnessed in Arab countries. I think king Abdullah will be remembered as one of the Saudi Arabia leaders who pioneered equality in the country by giving women voting rights and a chance to participate in politics. This essay on Saudi Women to Vote was written and submitted by user Alfonso Becker to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.
Wednesday, November 27, 2019
A Writing-Competence Matrix
A Writing-Competence Matrix A Writing-Competence Matrix A Writing-Competence Matrix By Mark Nichol The effectiveness of any nonfiction manuscript is contingent on at least three factors: the writerââ¬â¢s level of expertise in the subject matter, their reportorial aptitude, and their writing ability. (By extension, the performance of other potential contributors a developmental editor, a copy editor, a proofreader in the execution of their responsibilities is also significant. Consider references to ââ¬Å"the writerâ⬠here to mean the editorial ââ¬Å"committeeâ⬠that participates in the development of a given formally produced writing project.) Subject-Matter Expertise The writerââ¬â¢s level of expertise may be at one of three levels: expert, learner, or amateur. The subject-matter expert may or may not have professional or scholarly credentials. However, the writer is assumed to be knowledgeable about the writing projectââ¬â¢s topic to the extent that no further corroborative research (fact-checking) is necessary. The expert may benefit from some guidance from a developmental editor regarding the need to acquire additional data, but they are virtually self-sufficient when it comes to collecting and utilizing background material. An example of an expertly researched project is a work of scholarly writing produced by a university professor that pertains to their area of expertise. The subject-matter learner is a generalist who has a well-developed facility for acquiring the background knowledge and an aptitude for understanding the topic to the extent that they can write about it authoritatively, although a moderate amount of fact-checking may be necessary. A developmental editor may need to consult with the learner about additional or more effective research methods and the extent to which sources are utilized, but the learner has a good grasp of the necessity of thorough research and documentation. An example of a learnerââ¬â¢s writing is a magazine article written about a new technological breakthrough by a lay writer who covers such subject matter. A subject-matter amateur, however, also a generalist, may lack the skill to develop a sufficient understanding of the topic and may therefore produce an inadequate manuscript, and the writing project may require extensive revision based on additional research, if such a step is taken at all. The amateur may need to be reminded about backing up the manuscript with corroborating research, and may require extensive guidance as to how to acquire the necessary data. An example of this level of writing is a newspaper article about the controversy surrounding a complicated legal issue by a reporter with no background in legislation or public policy. Reportorial Aptitude The same three levels of competence apply in terms of reporting skills. An expert reporter understands the scope of the manuscript assignment and how to obtain information from sources, whether people or documents. They also have the expertise and training to successfully draw valuable material from interview subjects and other sources of information. The expert usually requires little or no guidance from a developmental editor in organizing their approach to obtaining direct information. A learner reporter may need some guidance in strategizing how to determine who to interview, and how, but has an aptitude for comprehending how to gather data, insights, and comments, and will be able to competently carry on a conversation with people in possession of the information they need. An amateur reporter may be largely ignorant of the significance of the topic and may be at a loss as to where to begin and where to progress from that beginning once it is discovered, and may not have a knack for preparing for interviews and, worse, for digressing from stock questions to follow interesting new tangents. A developmental editor may need to provide extensive advice about obtaining firsthand information. Writing Ability A writerââ¬â¢s skill in composition can also be judged on these three levels. An expert writer is able to seamlessly integrate background research with information collected in the course of consulting with interview subjects and, just as important, has the aptitude for crafting a deftly organized and eloquently and elegantly written manuscript with a consistent tone, an authoritative voice, and an effective argument or presentation. The expert will likely need a minimum of assistance in developing a manuscript. The learner writer, although they have not necessarily mastered the craft of writing, recognizes the fundamentals of assembling a manuscript from raw materials and, possessing some talent in ordering their thoughts and expressing them effectively, should need no more than a moderate amount of developmental aid. The amateur writer often requires extensive coaching in the art of writing. The amateur may lack a command of the basic rules of grammar and syntax, and is likely to have only a modest vocabulary and an insufficient amount of creativity to craft effective prose, failing to understand how active sentence construction, concise description, and vivid word choices enhance a composition. Conclusion Before a book proposal is accepted or a book manuscript is commissioned, or an article is assigned, one of the tasks of an editor charged with coordinating the publication is to, at least informally, determine where on the matrix of subject-matter expertise, reportorial aptitude, and writing ability an authorââ¬â¢s level of competence lies. (Think of a scorecard with a three-by-three grid, like a tic-tac-toe box, as an evaluative tool.) The degree of competence may differ in each of the categories, but the authorââ¬â¢s comprehensive skill level will generally rest in one of the three degrees (expert, learner, or amateur). Diagnosing the authorââ¬â¢s competence in the three components of comprehensive authorial talent will help an editor predict how much developmental and line editing and fact-checking a given manuscript will require and how viable the project is, or whether it is viable at all. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Writing Basics category, check our popular posts, or choose a related post below:The Royal Order of Adjectives Do you "orient" yourself, or "orientate" yourself?Punctuation Is Powerful
Saturday, November 23, 2019
Heather Ale by Robert Louis Stevenson
Heather Ale by Robert Louis Stevenson The poem Heather Ale by Robert Louis Stevenson is a ballad about the legendary Pict precursors to modern era Scots. In mythology, they may also be identified with pech, who were pixie-like creatures. They brewed heather ale and battled the Scots. Certainly, it would be convenient to be able to turn the abundant heather into an alcoholic beverage. Among the curiosities of human nature, this legend claims a high place. The historical Picts were a confederation of tribes in eastern and northern Scotland in the late Iron Age through the early medieval periods. The Picts were never exterminated. Today, they form aà large proportion of the folk of Scotland: occupying the eastern and the central parts, from the Firth of Forth, or perhaps the Lammermoors, upon the south, to the Ord of Caithness on the north. Archaeological studies dont find the Picts to be much shorter than current-day Scots. à It may be a case of the victors writing the history. The last nominal king of Picts reigned in the early 900s AD. In fiction and motion pictures they are often depicted as tattooed, blue-painted woodland warriors. Did the elements of this legend stem from some ancestors who were small of stature, black of hue, dwelling underground and possibly also the distillers of some forgotten spirit? See Joseph Campbellââ¬â¢sà Tales of the West Highlands. Heather Ale: A Galloway LegendRobert Louis Stevenson (1890) From the bonny bells of heatherà à à They brewed a drink long-syne,Was sweeter far than honey,à à à Was stronger far than wine.They brewed it and they drank it,à à à And lay in a blessed swoundFor days and days togetherà à à In their dwellings underground.There rose a king in Scotland,à à à A fell man to his foes,He smote the Picts in battle,à à à He hunted them like roes.Over miles of the red mountainà à à He hunted as they fled,And strewed the dwarfish bodiesà à à Of the dying and the dead.Summer came in the country,à à à Red was the heather bell;But the manner of the brewingà à à Was none alive to tell.In graves that were like childrenââ¬â¢sà à à On many a mountain head,The Brewsters of the Heatherà à à Lay numbered with the dead.The king in the red moorlandà à à Rode on a summerââ¬â¢s day;And the bees hummed, and the curlewsà à à Cried beside the way.The king rode, and was angry,à à à Black was his brow and pale,To rule in a land of heatherà à à And lack the Heather Ale.It fortuned that his vassals,à à à Riding free on the heath,Came on a stone that was fallenà à à And vermin hid beneath. Rudely plucked from their hiding,à à à Never a word they spoke:A son and his aged father- à à à Last of the dwarfish folk.The king sat high on his charger,à à à He looked on the little men;And the dwarfish and swarthy coupleà à à Looked at the king again.Down by the shore he had them;à à à And there on the giddy brink- ââ¬Å"I will give you life, ye vermin,à à à For the secret of the drink.â⬠There stood the son and fatherà à à And they looked high and low;The heather was red around them,à à à The sea rumbled below.And up and spoke the father,à à à Shrill was his voice to hear:ââ¬Å"I have a word in private,à à à A word for the royal ear.ââ¬Å"Life is dear to the aged,à à à And honour a little thing;I would gladly sell the secret,â⬠à à à Quoth the Pict to the King.His voice was small as a sparrowââ¬â¢s,à à à And shrill and wonderful clear:ââ¬Å"I would gladly sell my secret,à à à Only my son I fear.ââ¬Å"For life is a little matter,à à à And death is nought to the young;And I dare not sell my honourà à à Under the eye of my son.Take him, O king, and bind him,à à à And cast him far in the deep;And itââ¬â¢s I will tell the secretà à à That I have sworn to keep.â⬠They took the son and bound him,à à à Neck and heels in a thong,And a lad took him and swung him,à à à And flung him far and strong,And the sea swallowed his body,à à à Like that of a child of ten;- And there on the cliff stood the father,à à à Last of the dwarfish men. ââ¬Å"True was the word I told you:à à à Only my son I feared;For I doubt the sapling courageà à à That goes without the beard.But now in vain is the torture,à à à Fire shall never avail:Here dies in my bosomà à à The secret of Heather Ale.ââ¬
Thursday, November 21, 2019
How best to improve competition in the banking market Essay
How best to improve competition in the banking market - Essay Example This is simply because an increase in competition in the banking industry leads to a decrease in the bankââ¬â¢s soundness. Increased competition among banks will most likely lead to availability of a larger quantity of credit hence increased market power is needed to increase the bankââ¬â¢s incentives thus a higher quality of the pool of applicants. An increased completion in the banking sector has a direct effect on the growth potential and the market structure of other sectors of the economy. This therefore calls for a regulated completion and application of best ways in enhancing this competition. This paper will focus on these best ways of improving competition in the banking market. Discussion The best ways of improving competition in the banking industry is by carrying out structural reforms in the financial sector. This reforms can be carried out with the aim of restructuring distressed banks and also cleaning up non-performing assets in order to restore the viability an d profitability of these banks. This structural reforms would include privatization as well as both fiscal and monetary operations. The competitive conditions in the industry can be increased by removal of restrictions regarding foreign and domestic market entries and also privatization of state-owned banks which leads to increased number of commercial banks operating in the extremely concentrated and inefficient markets. (Beck & Fuchs, 2004) Privatization of the state-owned banks increases competition and efficiency in the banking industry since it leads to an increase in both foreign and domestic participation in the sector. According to a study by Beck, Cull and Jerome (2005), privatized banks performed worse than those banks that are privately owned before privatization but improved significantly after them being privatized. It also increases bank and financial performance significantly after divesture. Therefore, the restructuring of reforms in the banking sector leads to an in crease in the establishment of more banks hence increase in healthy competition. This is promoted by the fact that relaxation of regulations in the sector allows more banks to enter in to the market without any of the set restriction being disabled. (Beck, Cull and Jerome, 2005) Loosening of the entry barriers in to the industry can increase competition in the sector without affecting stability. This can be done by reducing the switching costs, which can be one in many ways. Switching costs are those incurred by consumers when they switch from one financial institution to another. These switching costs can be reduced by taking measure to ensure that consumers have adequate education and information in financial literacy in regard to alternative financial institutions. This will ensure that the consumers have the ability to compare various price offers by different institutions hence promoting willingness for the consumers to switch form one institution to another thus more a competi tive market. (Bikker & Haaf, 2002) These switching costs can also be reduced by developing a switching pack and making the switching steps easier hence reducing the switching burden. This can be done through a self-regulatory code between banks to help customers switch easily hence increase in competition as banks strive to keep their customers. Developing a common financial information sharing platform i.e. modifying the regulations to ensure privacy is maintained and allowing the customer form credit earning
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