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|One of these platforms is "Cyber banking" using PC-based Internet access. Many of BEA's Cyber banking services are familiar to customers in North America and Europe Paul Pogba France Jersey , e.g., balance inquiry, securities trading, bill payment, and funds transfer. But some of BEA's online payment services are more advanced than that available elsewhere. In the US Patrice Evra France Jersey , for example, e-banking customers cannot directly transfer funds to another unrelated person's account or into their own accounts in other financial institutions. BEA's customers can do so, in multiple currencies. This feature fits Hong Kong's small geographic size and mobile, international population and reflects the relatively high concentration of banks in Hong Kong compared to the US.
Two other BEA Cyber banking services deserve mention. One is online loan application and approval. BEA claims a fully automated online application, qualification and approval service for personal loans. All loan processing is done automatically from the customer's online input; customers are only required to enter a branch and sign forms in person after the loan has been approved. BEA has been gratified by customer acceptance of online lending. In contrast to the often-cited preference of Chinese people to do business in person Olivier Giroud France Jersey , it appears that they prefer the face-saving aspects of applying (and learning whether they qualify) for loans anonymously.
It is also possible to be qualified and approved for mortgage loans online at BEA. Again, the Bank claims that processing is fully automatic: human intervention is required only when loan documents are signed at the branch. An interesting twist is that customers can also get property valuations online and at no charge via the Bank's partnership with http:www.feepal.in. House18 maintains a database of a large number of residential properties in Hong Kong.
The consumer can type in the address of a property one wishes to buy and receive a valuation that the Bank will accept as the basis for a mortgage loan. Various calculators enable the consumer to estimate payments on mortgages of various terms; it's a simple step to applying for the mortgage loan. House18 also supports a consumer's "dream house search" –identification of listed properties meeting various requirements. Other features provide advice and directory listings in such matters as decoration and removals. All in all, BEA provides its customers with a complete real estate package— everything from finding the right property to closing the loan. This capability suits the bank's Hong Kong clientele, for whom real estate is a favorite investment vehicle.
In short, just as structural conditions in Asia promote very different patterns of consumer e-commerce behavior than in the US N'Golo Kante France Jersey , structural conditions in Asia promote very different B2C business models. While cultural factors undoubtedly play a role in these e-commerce payment gateway activity patterns, structural factors also exert independent influences on the observed behavior. The next section examines structural conditions in the context of business-to-business electronic commerce.
In the realm of business-to-business electronic commerce also, notable structural differences exist between Asia and North America. They include the disproportionate contribution of direct goods to final products relatively inefficient and fragmented supply chains, smaller domestic markets, and less developed infrastructure for electronic commerce. Each of these structural differences has a significant influence on the patterns of B2B e-commerce emerging in Asia.
Direct goods often pose greater challenges in product specification and cataloging than indirect materials Moussa Sissoko France Jersey , and e-marketplace operators necessarily develop capabilities in this domain. The potential benefits e-marketplaces— increased supply chain efficiency through reducing the number of intermediaries or through information the supply chain—are greater in Asia than in the West, where there are already fewer intermediaries and more efficient supply chains. Many Asian e-marketplaces target Asian MNCs and large buyers from the West and seek to link them with smaller Asian suppliers. Finally, the lack of supporting infrastructure in much of Asia means that e-marketplaces have to provide numerous complementary services in the areas of logistics, payments, assurance Morgan Schneiderlin France Jersey , and credit checks for a successful launch.
Kausar Parveen struggles through tears as she remembers the blood-soaked pants of her 9-year-old son, raped by a religious cleric. Each time she begins to speak, she stops, swallows hard, wipes her tears and begins again.
The boy had studied for a year at a nearby Islamic school in the town of Kehrore Pakka. In the blistering heat of late April Mathieu Valbuena France Jersey , in the grimy two-room Islamic madrassa, he awoke one night to find his teacher lying beside him.
"I didn't move. I was afraid," he says.
The cleric lifted the boy's long tunic-style shirt over his head, and then pulled down his baggy pants.
"I was crying. He was hurting me. He shoved my shirt in my mouth," the boy says Mamadou Sakho France Jersey , using his scarf to show how the cleric tried to stifle his cries. He looks over at his mother.
"Did he touch you?'" He nods. "Did he hurt you when he touched you?" ''Yes," he whispers.
"Did he rape you?" He buries his face in his scarf and nods yes.
Parveen reaches over and grabs her son, pulling him toward her, cradling his head in her lap.
"INFESTED" WITH SEXUAL ABUSE
Sexual abuse is a pervasive and longstanding problem at madrassas in Pakistan, an AP investigation has found Lucas Digne France Jersey , from the sunbaked mud villages deep in its rural areas to the heart of its teeming cities. But in a culture where clerics are powerful and sexual abuse is a taboo subject, it is seldom discussed or even acknowledged in public.