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    ABSTRACT: The automatic teller machine (ATM) is the most widely used e-Payment instrument in Nigeria. It is responsible for about 89% (in volume) of all e-Payment instruments since 2006 to 2008. Some customers have at least two ATM cards depending on the number of accounts operated by them and they represent the active users of the ATM cards. Furthermore, identity theft has been identified as one of the most prominent problems hindering the wider adoption of e-Business, particularly e-Banking, hence the need for a more secure platform of operation. Therefore, in this paper we propose a unified (single) smart card-based ATM card with biometric-based cash dispenser for all banking transactions. This is to reduce the number of ATM cards carried by an individual and the biometric facility is to introduce another level of security in addition to the PIN which is currently being used. A set of questionnaire was designed to evaluate the acceptability of this concept among users and the architecture of the proposed system is presented.
    African journal of business management 08/2010; 4(9):1753-1760.
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    ABSTRACT: This study explores whether a link exists between employees' personal/spiritual values and the values of the company where the research was undertaken. It further determines whether employees view themselves as spiritual and whether they integrate their personal/spiritual values at work. At the time of the research, the population consisted of approximately 1388 employees. A representative sample size consisting of 139 employees responded to the questionnaire. Responses were analysed using the SPSS statistical analysis program. The main results indicated that a link exists between employees' personal/spiritual values and the company values. Further, the results indicated that employees viewed themselves as spiritual and strive to integrate their spiritual values at work.
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    ABSTRACT: This article presents an account of the effectiveness of implementing eco initiatives to recycle water and food waste in selected Cape Town hotels as well as whether these initiatives would be a successful future endeavour to pursue. It suggests corporate travel policies demand travellers to seek out environmentally friendly hotels. The research strategy gathers facts relevant to the theory of the article. Therefore, it employs a multi-strategy research approach as it was effective to corroborate the findings from both quantitative and qualitative data. Case studies, questionnaires and interviews were utilised and the article shows that earthworm farms convert organic food waste into usable compost and reduces the production of waste. Rainwater harvesting further stores captured rainwater for future use and serves as an alternative source of surface water. The findings show a positive response from hotel staff towards implementing these initiatives which suggests it would be a successful future endeavour.
    International Journal of Hospitality Management. 34:309–316.
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