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Focus

It's a long journey from Gregor Mendel—an Augustinian monk who laid the foundation for modern genetics in 1866 by proposing that inheritance of each trait is determined by `units' that are passed on to the offspring unchanged, that an individual inherits one such unit from each parent for each trait, and that a trait may not show up in an individual but can still be passed on to the next generation—to James Watson and Francis Crick, the presenters of the structure of the DNA-helix, the molecule that carries genetic information from one generation to the other, in 1953, to Craig Venter, the visionary biologist of the 21st century known for his contributions to genomic research, who announced on June 28, 2007 about his team successfully transforming the bacteria, Mycoplasma capricolum, into another type, Mycoplasma mycoides LC by transplanting the chromosome of M. mycoides LC in M. capricolum, to the modern day biologists. But certainly, it is an exciting journey that almost brought them close to unraveling of the mystery of life and its creation.

Genetic research is today, perhaps, all set to open the `black boxes' of biology. Indeed, exciting research is happening in biological laboratories all around the globe. Biologists are no longer satisfied with the mere description of a phenomenon or the estimate of the magnitudes of biochemical or biophysical events in quantitative terms. They are now venturing into reconstruction of the mechanisms in which biological events might have transpired. As David Valle of the HHMI unit at The John Hopkins University, observed, we are going to have an explosion of understanding, a thorough grasp about genetic disorders, as biologists are getting ready "to make animal models of the diseases such as genetic disorder of the eye, and to study what happens at the tissue level in a direct way".

In the fitness of the excitement, IUP , which is in the forefront of publishing research journals in the fields of Science and Technology, Management, Economics, Law, and Arts and Humanities, is launching the journal, The IUP Journal of Genetics & Evolution to disseminate the latest knowledge in genetics and breeding among the scientific community. We invite all those engaged in the pursuit of unraveling of the mystery of life—its creation and propagation and bettering its prospects further—to make use of the journal as a platform for transmitting their research experiences and gains.

The first article of the maiden issue,"Molecular Tagging and Genetic Characterization of Alleles at the Co -1 Anthracnose Resistance Locus in Common Bean", by the authors, Veronica A Vallejo and James D Kelly presents the findings of the study carried out to develop a molecular marker linked to the Co-12 gene using RAPD, AFLP, SSR and BSA analysis and to map and characterize the Anthracnose resistance in the Andean cultivar JaloEEP558.

The authors R Podder, M G Rasul, A K M A Islam, M A K Mian and J U Ahmed of the second article,"Genetic Analysis of Yield and Yield Components in Snake Gourd (Trichosanthes anguina L.)", have, in the light of very limited information regarding the nature of gene effects and inheritance of yield and yield contributing characters in snake gourd, undertaken a study of 5 x 5 of diallel cross to estimate the nature and extent of gene action of yield contributing characters and presented their findings.

The authors N Okendro Singh, S D Wahi and Amrit Kumar Paul of the third article, "Optimum Sample Size for Estimating the Precision of Heritability by Parent-Offspring Regression", have presented the findings of their study carried out to find the sample size for estimating the precision of heritability by regression of offspring on parent as also to decide the optimum number of bootstrap replications required for precision of heritability using the simulated data for different values of population parameters.

In the fourth article,"Phylogenetic (16S rDNA) Analysis of a Strain of Streptomyces sp. Isolated from Annamalainagar Soil", the authors, Prasad G S, Sivakumar K and Manavalan R have presented their findings relating to identification of one of the Streptomyces sp. isolated from the soil of Annamalainagar, Tamilnadu using phylogenetic confirmation technique.

The fifth article, "Combining Ability Analysis Involving Five Male Sterile Lines in Pearl Millet (Pennisetum glaucum (L.) R. Br.) for Yield and Its Components", by the authors M Vetriventhan, A Nirmalakumari, K Ganesamurthy, D Sudhakar, S Ganapathy and T S Raveendran, presents the findings of the study carried out to estimate the combining ability of five male sterile lines of pearl millet as also the nature of gene action.

The authors Lokesh, R K Behl and Pankaj Bhatia of the sixth article, "Characterizing Genotypic Variability Among Wheat Genotypes Varying for Salinity Tolerance Using RAPD Markers", have presented the findings of their study carried out to determine genetic distance among five wheat genotypes varying for salinity tolerance using 21 RAPD primers.

The authors R V Karadi, E N Gaviraj, P E Rajasekharan, Resmi Joseph, Anuradha Sane and V K Rao of the seventh article, "Assessment of Callus in Different Genotypes of Nothapodytes nimmoniana for Camptothecin Content", have presented the findings of the study carried out to assess the effect of ecogeographycal factors on the production of secondary metabolites in N. nimmoniana.

In the last article, "A Study on Genetic Distances Among Germplasm Accessions of French Bean", the author Deepu Mathew has presented the findings of the study carried out to identify the genetic distances among French Bean accessions estimated through hierarchical cluster analysis of non-transformed data.

We hope that you find this maiden issue informative as well as interesting.

- GRK Murty
Consulting Editor

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Automated Teller Machines (ATMs): The Changing Face of Banking in India

Bank Management
Information and communication technology has changed the way in which banks provide services to its customers. These days the customers are able to perform their routine banking transactions without even entering the bank premises. ATM is one such development in recent years, which provides remote banking services all over the world, including India. This paper analyzes the development of this self-service banking in India based on the secondary data.

The Information and Communication Technology (ICT) is playing a very important role in the progress and advancement in almost all walks of life. The deregulated environment has provided an opportunity to restructure the means and methods of delivery of services in many areas, including the banking sector. The ICT has been a focused issue in the past two decades in Indian banking. In fact, ICTs are enabling the banks to change the way in which they are functioning. Improved customer service has become very important for the very survival and growth of banking sector in the reforms era. The technological advancements, deregulations, and intense competition due to the entry of private sector and foreign banks have altered the face of banking from one of mere intermediation to one of provider of quick, efficient and customer-friendly services. With the introduction and adoption of ICT in the banking sector, the customers are fast moving away from the traditional branch banking system to the convenient and comfort of virtual banking. The most important virtual banking services are phone banking, mobile banking, Internet banking and ATM banking. These electronic channels have enhanced the delivery of banking services accurately and efficiently to the customers. The ATMs are an important part of a bank’s alternative channel to reach the customers, to showcase products and services and to create brand awareness. This is reflected in the increase in the number of ATMs all over the world. ATM is one of the most widely used remote banking services all over the world, including India. This paper analyzes the growth of ATMs of different bank groups in India.
International Scenario

If ATMs are largely available over geographically dispersed areas, the benefit from using an ATM will increase as customers will be able to access their bank accounts from any geographic location. This would imply that the value of an ATM network increases with the number of available ATM locations, and the value of a bank network to a customer will be determined in part by the final network size of the banking system. The statistical information on the growth of branches and ATM network in select countries.

Indian Scenario

The financial services industry in India has witnessed a phenomenal growth, diversification and specialization since the initiation of financial sector reforms in 1991. Greater customer orientation is the only way to retain customer loyalty and withstand competition in the liberalized world. In a market-driven strategy of development, customer preference is of paramount importance in any economy. Gone are the days when customers used to come to the doorsteps of banks. Now the banks are required to chase the customers; only those banks which are customercentric and extremely focused on the needs of their clients can succeed in their business today.

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Genetics & Evolution