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The IUP Journal of International Relations
Focus

Relatively speaking, it is often felt that Europe was more stable and much more hassle-free immediately after World War II, but from the 90s onwards hardly a year passed with no crisis of some sort or the other: banking crisis, sovereign debt crisis, political crisis emanating from Russia’s annexation of Crimea and moral crisis resulting from the recent refugee crisis plagued EU. While the leadership is engaged in handling the challenges posed by these crises, intellectuals have often blamed the introduction of the Euro as the primary cause of all the catastrophes, while another segment blamed the enlargement of the EU from the initial 15 to 28 countries for their further flare-up.

Aside the unrelenting tumult that the EU has been facing for the last two decades and the reasons thereof, what is glaringly visible and surprising to the rest of the world is: EU leadership’s constant attempt to push off the day of reckoning farther and farther, that too, knowing fully well that it is not a sustainable solution. Take the case of Greek debt or the problem of maritime refugees, EU’s policies have proved to be disastrously wrong. Although the UN conventions categorically state that refugees are the responsibility of the country in which they turn up, EU has miserably failed in standing up to its proclaimed values. The result is: many refugees have drowned in the waters.

Interestingly, the current issue has two papers that primarily dwell on the problems being confronted by the Europe of today. The first paper, “European Union and the Conflicts of the International System: European Diplomacy in a Globalized World”, examines how the international relations of the EU have changed after the Cold War. In the process, its author, Csilla Varga, argues that after the Cold War, Europe started building up its own system of cooperation—cooperation among member countries of EU in terms of sharing more areas of decision making that changed the very power structure of these countries. Tracing its relations with external world, the author comments that EU’s diplomacy is always characterized by ‘cooperation’ driven by its rationalist paradigm, which mainly believes in: one, “self-interested rational actors are taking part in the international system; two, their interests are given, and three, society is a place where people come together and follow their interests.” The author states that EU is mainly perceived as a “defender of human rights, democracy, development and struggle against poverty, initiator of peace as a progressive and civil actor”. Yet, the author opines that the EU is a small power for it is militarily weak, politically fragmented, and its strategic behavior is dependent upon American leadership. That said, the author also asserts that “it does not necessarily mean that this character cannot change in the future.”

As an extension, in the second paper of the issue, “Europe’s Struggle with Refugee Crisis: An Analysis”, its author, Sheetal Sharma, arguing that Europe, being perceived as a good place for peaceful living, attracting refugees from war-torn regions of Middle East, North Africa and particularly from Syria, analyzes the challenges and the various aspects of the current refugee crisis of Europe. Besides the challenge of managing the cultural conflicts that the current refugee crisis is all set to cause, the author opines that it is also posing challenges to the very unity and strength of the EU itself. For, such influx of migrants caused bitter recriminations between European governments. There is also fear of threat to national security, for the sneaking in of extremists into their national boundaries cannot be ruled out. Tracing the problem of Syrian exodus to its root cause and believing that it is desirable to root it out, the author calls for looking at the Syrian problem beyond the US and Russia’s perspective.

Moving away from Europe to the Indian subcontinent, we have B Ramesh Babu, the author of the third paper, “The Enduring Challenge of Dialogue with Pakistan”, who drawing our attention to the immutable rule of terrorist atrocity in India—like the recent Pathankot attack—following every apparent political breakthrough between Pakistan and India such as the recent visit of Prime Minister Narendra Modi to Lahore to meet his counterpart, Nawaz Sharif and the resulting show of much hugging and bonhomie leading to a proposal to hold “comprehensive bilateral dialogue” soon, states that India and Pakistan being neighbors cannot disengage themselves from one another. No matter how hostile Pakistan’s military and intelligence establishment is, the author goes on to say that India has to learn to keep the dialogue alive with Pakistan’s civilian government. Turning a tad philosophical and observing that in the international relations, one cannot find solutions at once for every problem, the author advises India to learn to live with the enduring challenge of dealing with Pakistan, for a step by step untangling of knotty issues alone can lead to sustainable peace. At the same time, wondering whether Modi’s muscular approach towards Pakistan will work or not, for future alone can unravel it, Ramesh Babu calls for the support of every Indian, including all political establishments to Modi government’s efforts at de-legitimizing pro-Pak leanings in the state of Jammu and Kashmir by pushing the development agenda forward, and also perhaps, to his open-chest approach in engaging Pakistan to try and change the course of history.

To conclude, we have another interesting paper on terrorism, “The Thorny Nature of a Terrorism Definition in International Law”, in which its author, Inez Braber, tracing the divergence in the understanding of terrorism in international plane—terrorism a crime or war; actus reus and mens rea elements of terrorism—observing that the global community of states has not found adequate means of countering terrorists, proposes to internationally codify terrorism as a distinct crime with universal jurisdiction directed to an international tribunal so that it could be assertively combated.

-- 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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International Relations