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The IUP Journal of English Studies 

Focus

Readiness to adapt to the emerging needs and linguistic openness are the essential prerequisites of a living language. English, being the language of global opportunity, had plentiful of these attributes all along. In its global sweep, it impacted several languages and in turn, had also been immensely impacted. English borrowed vocabulary extensively from languages the world over and augmented its word stock. It is estimated that its stock of `native' words is no larger than 20%, while its borrowings measure up to over 80%. Rather than being ossified, English is a language which renews itself, and is found in its myriad incarnations all over the world, in the name of `Englishes'. We have the American variety, the Australian variety, the West Indian variety and plentiful Indian varieties, including, `Hinglish,' `Tinglish' and so on. All these varieties gain respectability eventually. These developments inevitably impact the way English is taught and learnt in the far-flung English knowing communities. In this issue, there are three papers dealing with the matters related to English language; the process of syllabus design, the impact of examinations on teaching/learning and the status of `Hinglish'.

Noel Joseph Irudayaraj and C Isaac Jebastine, in the paper, "The Process, Purposes, Levels and Contents of Syllabus Drafting", attempt to present the process of designing a syllabus which involves two stages: the drafting of the syllabus inventory, and revision and refinement of the inventory into a syllabus. Evangeline Sabina Rajasekar, in her paper, "Impact of Examinations on the Teaching and Learning of English", based on the copious data collected by her through a questionnaire survey she conducted in schools in Chennai, argues that the goals of curriculum remain merely goals, while the demands of the examinations continue to be met. Gajendra S Chauhan, in his interesting paper, "Hinglish on a Platter: A Toast to New Global Bhasha", shows how English in its urge to meet the emerging needs of communication allows for code-switching and code-mixing, during its contact with Hindi.

The predicament of inheritors of bicultural legacy is ever confusing and the children of racial mix have problems of adjustment, which are explored by Lakshmi Sistla in her paper, "Towards Integration: Childhood in Ashok Banker's Byculla Boy". Neilkant Jhaveri, child of Anglo-Indian mother and Hindu father, is rejected by both father and mother, as well as by both the religions, but slowly he tries to integrate himself with his bicultural heritage and succeeds partly. The symbiotic relationship between Nature and humans and the hazards resulting from the non-realization of such intrinsic bond is examined by S Kumaran in his paper, "Eco-Consciousness in H S Shivaprakash's The Bride". In the play by H S Shivaprakash, the bridegroom, overwhelmed by his passion for his bride, forsakes the warning given by Nature and unwittingly kills his own bride. The author shows that the playwright does not use nature as merely a background; rather trees act as characters and even commentators on human folly, making the perception of Nature by the playwright relevant to the present environmental hazards and destruction of world's natural resources.

Seema Miglani, in the paper, "The Clash of Cultures and Races in Manohar Malgonkar's Combat of Shadows", discusses the conflict arising from the global spread of western style industrial culture and the consequent suppression of unique traits of indigenous culture, as presented by Malgonkar in this novel. The conflict further leads to confusion and a kind of cultural enslavement and the inevitable resistance. At the end, the novelist appears to believe that when it comes to real values of life, East and West not only reconcile and resolve, but out of their coming together, a new culture incorporating the laudable in both the cultures, emerges. The psychological trauma experienced by a highly sensitive woman, in conjugal relationship with an unimaginative husband, is studied by Rashmi Gupta in her paper, "Anita Desai's Cry, the Peacock: A Psychoanalytical Study". Anita Desai, the author argues, does not limit herself to the presentation of the exterior actuality, but ex(im-)plores instead the internal recesses of the protagonist, Maya.

Intertextual reading, which closely studies the implications of a text and tries to relate it to other texts of a future time, is an approach, which encourages continuity of concerns, based on race, religion or gender. Megha Trivedi, in her paper, "Bertha, the Traditional Mad Woman in Attic versus Bertha, the Victim: An Intertextual Reading of Jane Eyre and Wide Sargasso Sea", adopts this approach to examine the use of novel as a medium through which the suppressed voice of female finds release and articulation. Examining the underlying relationship between Charlotte Bronte's novel and Jean Rhys' novel, the author shows that in the latter novel, the much neglected Bertha of the earlier novel, has been recreated and represented with a new shape and a new context. Rhys looks into the inner consciousness of the female psyche and explores the position of women in the power structure created by the patriarchal society. The principle of relativity in human relationships, suggested by Walter Pater, the aesthetician, has been studied by Jyoti George in the paper, "Mrs. Dalloway: Isolation and Connectivity Paradigm." Virginia Wolf identifies herself with the principle that there is no universal scale of values and highlights in her novel the relativistic fictional technique. She sensitively presents the conflict between conventionality and unconventionality, between communication and privacy, between loneliness and love, and between progression and regression of time. The author of the paper shows that the novelist uses the famous technique of stream of consciousness to connect the thoughts of individuals in a way that transcends their alienation and also suggests the irreconcilable opposition between individuality and universality, when the major character like Mrs. Dalloway and Septimus are connected and isolated in their social milieu.

- S S Prabhakar Rao
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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