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The IUP Journal of Soft Skills

Focus

It is an accepted fact that attitudes give rise to behavioral patterns, as it is essentially one's disposition towards the environment and other issues, which dictate the posture towards it. Hence, attitude plays a major role in shaping our performance. In spite of this, most of our educational institutions pay little heed to attitude orientation. N Vijaya Lakshmi in the paper, "The Impact of Attitudes in Improving Performance: "Attitudes Determine One's Altitude,"" examines the impact of attitude on performance.

Inter-personal skills play a major role in building and fostering organizational efficiency. The manner, in which an individual relates to other individuals and environment, basically depends upon how his/her brain processes the impinging stimuli. Neuro Linguistic Programming (NLP) helps individuals to facilitate better processing of such stimuli. Kunal Gaurav discusses the role of NLP in inter-personal relationships in the paper, "Building Human Psycho-Technical Efficiency Through Neuro Linguistic Programming".

One's performance to a large extent depends on one's self-belief and self-confidence as related to any particular activity. Self-concept and self-efficacy are distinct from each other and one must understand the subtle distinction between the two to plan effective interventions. M Madhavi Latha examines these issues in the paper, "A Perspective on Self-Efficacy Beliefs for Academic Achievement".

Success at workplace depends upon a balance between domain competence and soft skills. This is especially so in the present period when existing technology rapidly becomes redundant. Such an environment demands frequent unlearning, learning and relearning. The demands on people in such an environment weigh heavily in favor of soft skills. Manishankar Chakraborty addresses this issue in the paper, "Cocktail of Domain Know-How with Soft Skills".

In these days of stress and pressures in the corporate world, most of the people are on the lookout for means of alleviating stress by whatever ways possible. Music offers a very effective means of relieving stress. However, not all music need bring about peace of mind in all circumstances. Jyotika Saxena examines this in the paper, "Music: Therapy for the Soul".

In these days of fast life, everything seems to have transformed into rapid preparation and speedy delivery. Even English in its written form has been transformed into a form where punctuation is conspicuous by its absence. Unfortunately, such a transformation has robbed the language of its romance, and in the worst-case scenario, could bring about disastrous changes in the sense such language conveys. Brenda Coutinho reviews the book, Eats, Shoots and Leaves: The Zero Tolerance Approach to Punctuation, which is apt to the issue.

Some of the common characteristics about successful people are passion and self-belief. Success assumes greater meaning when it is sustained over a significant duration. Laurainne Theogaraj reviews the book, Success Built to Last: Creating a Life That Matters, which deals with the way successful people think about life.

- T D Prasad
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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