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Focus

Palm oil production on a commercial scale is one of the important agro-industrial activities in south-east Asian countries. Malaysia leads in the production of palm oil in the world. Through palm oil production, a significant proportion of the raw material is converted into non-degradable effluents. Palm oil mill effluents are acidic, viscous colloidal suspensions and are characterized by high content of organics and solids that get discharged into the surrounding environment. Polluting ingredients such as non-oxidizable intoxicants and heavy metals present in the effluent cause serious contamination of the water bodies into which they are discharged. Wastewater treatment facility is an important component in palm oil industries. Treatment of wastewater by ultrasonic irradiation is found to be an effective method of degradation of specific organic pollutants. In the first article, “Potential Effect of Using Ultrasonic Irradiation to Reduce Concentration of COD in Palm Oil Mill Effluent (POME)”, the authors Nurliza Rosli, Puziah Abdul Latif and Sidek Abd Aziz, conducted a study using raw POME as a test media to investigate the effectiveness of ultrasonication in reducing the organic compounds based on the chemical oxygen demand concentration at selected operating conditions such as power density of ultrasonic probes and addition of Fenton’s type reagent as a catalyst.

High degree of urbanization together with unexpected population growth results in an increased demand for water, while at the same time varied surface runoff predicted by climate change has the potential to increase the volume of storm water that can contribute to drainage and flooding problems. Effective management of storm water runoff offers a multitude of possible benefits, including protection of wetlands and aquatic ecosystems, improved quality of receiving water bodies, conservation of water resources, protection of public health and flood control. In the second article, “Integration of Remote Sensing and GIS for Urban Storm Water Management”, Srinivas Naik L, M Anji Reddy, P Sudha Rani and Chandrashekhar A, presented an integrated approach to improve the urban storm water management with remote sensing, GIS and hydrologic simulation. The city of Hyderabad (Andhra Pradesh, India) was taken as the study area. Satellite images were used to acquire land use information of the developed urban area, whereas GIS Software was used to derive the hydrologic parameters from the processed satellite data.

In recent years, Sustainable Forest Management (SFM) has emerged as a dominant forest management paradigm which focuses on sustainable commodity production, conservation, amenity values, and long-term sustainability of forests where larger spatial scales and longer gestation periods are accommodated. It is now defined as stewardship and use of forests and forest land in a way, and at a rate, that maintains their biodiversity, productivity, generation capacity, vitality, and their potential to fulfill now and in the future, relevant ecological, economic, and social functions. Making a decision about the forest resources management often involves balancing conflicting, incommensurate and incompatible values of many users and uses of a resource. One of the most difficult tasks involved is the effective integration and synthesis of all values, irrespective of their origin, to achieve and maintain ecologically sustainable development. In the third article, “Best Decision Making Technique in Forest Management Using Analytic Hierarchy Process”, Nur Ilyana M Z, Latifah A M, Alias M S and Mohd. Armi A S, have performed a study that uses Analytic Hierarchy Process as a potential decision making tool in forest resources management. This inductive decision making study has been carried out taking the vast tropical timber resources of Malaysia as the domain model. Metal contamination in aquatic environment is an important health concern all over the globe. Metallic elements are released into the environment by various anthropogenic activities. The concentration and contamination of elements in the surface water and sediment of lakes and reservoirs of both nearby and remote watersheds are related to several factors, particularly atmospheric dry and wet depositions, the conditions in the catchment areas and that of the aquatic ecosystems. Some of these elements are bioaccumulated beyond withstanding limits within the aquatic food chains and are potentially toxic to animals at higher trophic levels including human beings and produce both chronic and acute ailments. In the fourth article,“Elemental Contamination with Particular Reference to Heavy Metals in Surface Water and Sediment of the Eutrophic Hussainsagar Lake in Hyderabad (India)”, M Vikram Reddy and A Vijaya Kumar, reported a study that includes the assessment of the concentration of various elements in the surface water and sediment at four stations in the littoral zone of the eutrophic Hussainsagar Lake in the twin cities of Hyderabad and Secunderabad. The outcome of the study confirms the presence of toxic heavy metals/non-metals such as Selenium and Mercury in water and Cadmium, Lead, Mercury, Zinc and Chromium in the sediment at an abnormally high concentration.

Biofilteration is an efficient technique of degradation and removal of toxic organic compounds and odorous gases from commercially important molecular vapors. The technique involves development of a biofilm surrounding the stationary phase, whereupon the contaminants of the vapor are selectively adsorbed. Microorganisms present inside the biofilm metabolize the pollutants, thereby releasing pure vapor as effluent. Various agro-based waste products are used as a stationary phase that can harbor the microorganism laid biofilm on their surface. Durian, a tropical fruit, harvested in huge quantities in Malaysia has a shell weighing more than half of the fruit weight. The non edible shell can essentially be used for alternative purposes such as a support media in biofilteration. In the fifth article, “Characteristics of Durian Shell as Support Media in Biofilter”, Nur Hidayah Abdul Latip and Puziah Abdul Latif, have investigated the physical and chemical characteristics of Durian Shell (DS), to assess its potential to be used as a biofilter media for removing toxic vapors. Various micro analytical analyses were carried out with the processed shells to ascertain the presence of functional groups, to estimate the specific surface area and average pore size, and to determine the surface morphology. Results of the analyses reveal that DS has the potential to be used as an alternative over other conventional carriers as biofilters.

Zooplankton plays a significant role in maintaining the marine food web by contributing to the flow of energy and matter and biogeochemical cycles of elements and their vertical flux. They account for about one-tenth of the total marine biomass. Both, as primary and secondary consumers, they considerably affect the world marine fishery. Their abundance is taken as a good index of the available fishery resources of different water masses. In the sixth article, “Zooplankton Diversity in the Nearshore Waters of Bay of Bengal, Off the Rushikulya Estuary”, Gouri Sahu, A K Mohanty, Brajeswari Singhsamanta, D Mahapatra, R C Panigrahy, K K Satpathy and B K Sahu, have reported a study carried out in the coastal waters of Bay of Bengal, off the Rushikulya estuary to evaluate the diversity of zooplankton and its distribution with respect to hydrographical parameters.

-- G S Brahma
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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Environmental Sciences