Creative business models, however, can transform a vast segment of overlooked, underserved consumers into an attractive opportunity for growth, thus boosting inclusion. Such models will need the support of regulatory reforms and improvements to the broader environment. Financial exclusion. More than 3 billion people are financially excluded around the world.
With barely 3. 4 percent of its population engaged in formal banking, India has the second- highest number of financially excluded households in the world. The real rate of inclusion, which. It is served primarily by the informal financial sector. A typical household in this segment in a large metropolitan area earns between Rs (rupees) 6. Rs 1. 80,0. 00 annually. In smaller towns and villages, where the cost of living is lower, the income floor falls to Rs 4. Successive Indian governments have made some headway in alleviating financial exclusion. But the problem persists. Banks are required to provide products and services. This view is shortsighted, however, and stems in part from attempts to use traditional business models in dealing with this group. They value speed, flexibility, simplicity, and smaller product sizes. Because of their experience with the informal financial sector, most are accustomed to fast processing and minimal paperwork. They also find formal channels intimidating and have a poor grasp of financial services offerings. Our survey found that among urban households, the rate of inclusion was more than double that of rural households. To lure these consumers away from the informal sector. At the same time, they must educate these consumers and build trust through community- level partnerships. Banks should also create an executive- level position that focuses on next- billion initiatives and reports directly to the CEO. For banks, this possibility is as much an opportunity as a threat. A consumer in this segment is unlikely to have a strong relationship with a financial services provider but may already (or soon) have a relationship with a telecom provider. Among the next billion, mobile phones already outnumber bank accounts. A smart model for banking through mobile phones has the potential to create advantages along the entire banking value chain. 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How To Title Your Book. Lately I’ve been coaching several of my clients through the process of coming up with a good title for their book, so I thought I’d share my tips with you. Let’s start by acknowledging a few things. The publisher is usually responsible for the final decision on title, and in the query stage, it’s not that important. In fact, some agents have said they don’t pay any attention at all to titles. But at some point, you’re going to want to think seriously about this. Your title is part of the overall impression you’re creating about your book. It can set a tone and create an expectation. Whether you’re pitching to an agent, or your agent is pitching to publishers, I think you want to have the strongest title possible. Think of it this way: the better your title is, the better your chance that the publisher will decide to use it, rather than changing it. So here’s what I recommend when you need a title, for either fiction or non- fiction. First, make sure you know the genre of your book, and identify what kind of feeling or tone you want to convey with the title.
This is important, as I’ve seen humorous books with dead- serious titles, contemporary books whose titles say “historical romance,” novels that sound like self- help books. Be clear on what your title needs to instantly communicate. Time to start brainstorming. Write down their titles. Try to get a feel for what works with your genre. What do you like about the titles? Then put the list away for awhile. Put them in columns: nouns, verbs, adjectives. If it’s a novel, list words that describe or suggest the setting. Then think about each of your major characters and write down words that relate to them. Think about the action in the story and write down verbs that capture it. If your book is non- fiction, list words that capture what you want your reader to think, feel or do after reading it. And words that describe what your book is about. Actually, I wrote a book and said it was for God. In my heart of hearts. What I usually do is pick a stupid working title just so I have something to call it at the beginning.Use visual words that suggest a scene. Other words that evoke an emotion. You should have at least 1. Then start experimenting with different word combinations. Adjective- noun, verb- noun. Keep a thesaurus handy and look up other words. Write down as many word combinations as you can. Try not to self- censor at this stage. Then put them away for 2. Two things will happen: your subconscious may still be working on it; and when you come back to your list, you’ll have fresh eyes. At those unique moments, Andreasen wrote. Pole applied his program to every. Add any new ideas you’ve had. Then narrow it down to three to five possibilities. Run them by a few people. If you can, wait another day or two.? Ask yourself if the title you’ve chosen would fit the list—without being too similar or generic. A few more questions to ask about your title: Does the tone of the title match the tone of the book? Does it convey the right genre (including time period if applicable)? Would it attract attention? If the book were spine- out on the shelf (so the cover and sub- title were not visible) would it still attract attention? Would a reader have any idea what the book is about just from the title? Do you find yourself emotionally attached to the one you’ve been living with since you first thought of the book? Rachelle Gardner, Literary Agent. Scripted GUI Testing with Ruby PDF Download Free. Book Description: Scripted GUI Testing with Ruby is a practical, quick- moving tutorial based on real life, and real- world GUI applications. Right out of the gate you'll start working with code to drive a desktop GUI. You'll discover the kinds of gotchas and edge cases that don't exist in simple, toy programs. As you add more tests, you'll learn how to organize your test code and write lucid examples. 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WTP Tutorials - Building a Simple EJB. It's a generic Java tool that lets you create custom. Using Flexible projects to link the web module with the an EJB. WTP Tutorials - Building a Simple EJB Application. In this tutorial you learned how to configure Eclipse to work with XDoclet and create a J2. EE EJB project that has a Session Bean. You created a client Web application. This application, while simple, provides a good introduction to EJB development and some of the Web development tools available in the Eclipse Web Tools Platform project. EJB 3. 0 Remote Session Bean Lookup. This article describes a way to perform remote lookup of EJB 3. Java application. Introduction. EJB 3. It comes with many cool features. Some of these features are annotation- based programming, persistence APIs, adoption of hybernate as OR mapping tool, POJO objects as entities, dependency injection and lookup, IDE support like Netbeans 6. Imagine a scenario when you have EJBeans hosted on an application server like JBOSS, Glass. Fish or Apache. Your servlets are hosted on Tomcat, your clients are simple browsers, mobile phones are sending requests to servlets, servlets are calling EJBeans, which again invokes other EJBeans, and all these components are hosted on different machines. You are using caching at a web tier in your servlets, second level caching in your EJB tier, and for that you have to setup EHCACHE or memcached servers. The purpose of this kind of architecture is to provide high scalability, availability and performance which can handle millions of users. Enterprise JavaBeans (EJB) is a managed, server software for modular construction of enterprise software, and one of several Java APIs. EJB is a server-side software. This all looks fascinating but it is also challenging to implement. In this article, I would like to discuss one of the problems that EJB programmers face while implementing EJB session beans remote lookup between two enterprise applications. I am assuming that the reader has knowledge about EJB 3. I am using Net. Beans 5. JBOSS application server. Problem. The problem is that you have a session bean residing in one Enterprise Application. It has both local and remote interface. Now you want to call that session bean and its methods into another client Java program like be an enterprise application, Java program or a web project. This kind of method invocation is also known as Remote method invocation. There are two ways to implement this. You can write lookup code using JNDI APIS. You can use @EJB annotation to get remote session bean. I tried both of these approaches but I found that the first approach is easy to implement and widely accepted by all the EJB- supported application servers. As per my knowledge, the second approach is not supported by JBOSS. Only Glass. Fish supports remote lookup using @EJB annotation. So let's discuss the first approach. We will lookup a remote EJB session bean and will invoke its methods using a simple Java client program. Using the Code. The attached source contains a Net. Beans project named Hello. World. Inside this project, there is one simple, EJB stateless session bean Hello. World. Bean. It has one business method say. Hello. The following is the implementation of this method. Now let me show you the lookup code to invoke this session bean. This lookup code is in another project, Hello. World. Client, which is a simple Java program consuming our Hello. World. Bean. It consists of three parts Hello. World is the name of application/project which contains the implementation of Hello. World. Bean. Hello. World. Bean is the name of your EJB bean class which has the say. Hello method. Points of Interest. While implementing remote lookup, programmers are likely to see the following two exceptions. Here are the descriptions of these exceptions and explanations on how to solve them. These exceptions are specific to the JBOSS application server. Name not bound Exception. This exception generally comes when your bean is not properly deployed and not registered into your JBOSS application server. You can confirm the deployment of your beans by following steps. Go to http: //localhost: 8. Go to JMX console Click on service=JNDIView and click on Invoke button within List of MBean Operations It will open a screen which shows all the deployed beans. If you have successfully deployed your bean then it must be under your Global JNDI namespace. Class cast exception: $proxy can not cast to remote bean type This exception occurs when your haven't put your remote interface properly into your client program. In order to invoke the remote session bean, it is necessary that you put your remote interface including its package into the client program otherwise it will give this error. The attached source code file contains two Net. Beans projects. You can open them from the Netbeans 5. IDE with configured JBOSS application server. Thanks for reading this article. I would really appreciate your feedback. Use Ctrl+Left/Right to switch messages, Ctrl+Up/Down to switch threads, Ctrl+Shift+Left/Right to switch pages. Drilling Series Hand Auger Title Type manual drilling series hand auger PDF assembly drawing of hand drilling machine PDF. Lawn & Garden Hand Tools; Load Centers & Switches; Mailboxes & Mailbox Posts; Sandpaper; Refine. Earthquake 43cc One Man Auger. Manual drilling series hand auger PDF manual auger post hole digger PDF manual post hole auger home depot PDF toro snowblower auger bushing repair part PDF. 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