Shaping the future of retail banking

The first half of this article considers recent developments in the retail banking market and, with the aid of tables, describes the present state of the market. Emphasis is placed on the increased competitiveness of the market with more institutions involved in providing more products than ever before, and with more attention being focused on the unbanked sector of the population. The second half of the article considers the factors which are most likely to influence the ruture development of the market—both external influences such as the political, economic and regulatory environment and factors which lie more directly under the control of the banks themselves, such as the introduction of new services and branching policy. The article ends by stressing the scope for individual banks to pursue distinctive policies in this market in future.     

SOURCES OF INFLUENCE AND TOPIC AREAS IN FAMILY THERAPY: TRENDS IN THREE MAJOR JOURNALS

Following Gurman (1981), this study reports on authors and topics of interest in prominent marriage and family therapy journals from 1980 through 1995. Fifteen of the 25 institutions that produced the greatest number of authors prior to 1978 continued to be among the top 25 between 1980 and 1995, and the 25 leading institutions produced 29.5% of articles from 1980 to 1995. Most authors held positions in university settings and taught in programs with a marriage and family therapy focus. Clinical issues were the most common focus of articles (61%), and one-third of all articles were research reports.     

Towards a Coherent Policy of Co–Development

This paper seeks to demonstrate the major benefits that a dedicated policy of co–development can bring to three major actors affected by immigration: receiving states, countries of origin, and the immigrants themselves. True co–development involves sustained cooperation between receiving nations and source nations in the management of both legal and illegal migratory flows. At the same time, it fosters the economic and demographic development of both the sending and the receiving country. This cooperation is based in large measure on understanding that, more than ever before, the best migration policy for developed nations is one that seeks not to block, but to smoothly regulate the circulation and re–circulation of the majority of foreigners and immigrants. As a result, Northern countries will be able to concentrate the state’s limited control resources on selected targets such as criminals, delinquents, and migrants arrested multiple times for unauthorized entry or residence. Developed nations must recognize that the vast majority of immigrants wish to retain close links to their country of origin, and with drastically improved transportation and communication links, most migrants are increasingly able to do so. Northern states should adapt policies that, for the most part, accommodate immigrants’ wishes to maintain active ties to their homeland. Such measures are generally in the best interests of the receiving countries, source countries, and of course, the immigrants themselves. The various problems faced by these three main actors regarding migration as they seek to pursue activities in their best interest is considered, followed by the advantages that a policy of co–development has for these actors: for receiving nations in terms of meeting labour force needs, reducing demographic problems, and controlling illegal immigration; and for source countries in terms of increased access to visas, increased amounts and efficacy of remittances, and the return and re–circulation of skilled and seasonal workers, and retirees. The interests of the immigrants themselves will be considered at various points throughout the discussion, in the context of the effects that the various policies of receiving and sending countries will have on them.     

Will they stay or will they go? How network properties of WebICs predict dropout rates of valuable Wikipedians

This paper contributes to our understanding of an increasingly prevalent work system, web-based internet communities (WebICs). We are particularly interested in how WebICs are governed given the fact how different they are compared to more classical forms of organization. We study the governance of a WebIC by studying the structure and dynamics of their edit network. Given the fact that the edit network is a relational structure, social network analysis is key to understanding these work systems. We demonstrate that characteristics of the edit network contribute to predicting the dropout hazard of valuable WebIC members. Since WebICs exist only thanks to the activity of their contributors, predicting drop-outs becomes crucial. The results show that reputation and controversy have different effects for different types of Wikipedians; i.e., an actor’s reputation decreases the dropout hazard of active Wikipedians, while participation on controversial pages decreases the dropout hazard of highly active Wikipedians.     

Gender Competition and the Preservation of Community in the Allocation of Administrative Positions in Small Rural Towns in Montana: A Research Note1

Abstract Assignment of administrative positions in a sample of rural towns is demonstrated to be significantly associated with gender. Most civil administrators are women, while most legal and educational administrators are men. The difference indicates structural assignment of positions by gender. Gender and administrative position are demonstrated to have zero-order correlations with perceptions of two important behaviors for community: migration and social problems. The characteristics of the occupation and of the administrators are qualitatively different. The data are compiled from interviews with seventy administrators in five pairs of small towns in Montana, ranging in size from about 200 to approximately 7,000 residents. Each pair contains one agricultural and one scenic recreational town. Comparatively, more women were employed in agricultural towns. Many rural women who become administrators, particularly long-term administrators, may be selected for reasons that help preserve the community by providing opportunities for themselves and their families.     

Youth-Subcultural Studies: Sociological Traditions and Core Concepts

The study of youth subcultures has rich histories in the USA and UK, yet has remained a marginal subfield within cultural sociology. In this article, I begin by reviewing the significance of the Chicago school, strain theory, Birmingham school and post-subcultural studies traditions of youth-cultural and youth-subcultural research. I then conceive of a series of significant analytic concepts that over time have proven themselves to be core components of youth-subcultural studies. These analytic concepts include subcultural style, resistance, subcultural space and media, societal reaction, and identity and authenticity. In each analytic section, I explore major conceptual frames and discuss significant empirical research, on youth subcultures including punk goth, straightedge, riot grrrl skateboarding, rave and club cultures, among others.     

Cellular-Only Substitution in the United States as Lifestyle Adoption: Implications for Telephone Survey Coverage

Historically, the coverage bias from excluding the United Statescell-only population from survey samples has been minimal dueto the relatively small size of this group. However, the unrelentinggrowth of this segment has sparked growing concern that telephonesurveys of the general public in the United States will becomeincreasingly subject to coverage bias. While there is evidencethat demographic weighting can be used to eliminate this bias,the availability of the weights lag behind the rapidly changingcell-only population. To explain the extent of the problem,we propose a reliable model to forecast cell-only populationsize and demographics. This model posits that a stable behavioralprocess, the rate of habit retention, can be estimated fromprior wireless lifestyle adoption in the United States and mayalso describe adoption of the cell-only lifestyle. Using measuresof incentive and habituation, we test this assumption by predictingchanges in the cell-only population size and changes in agedemographics. The accuracy of predictions confirms the two adoptionbehaviors are similar. We then develop forecasts of age demographicsthrough 2009, and show how cell-only lifestyle adoption leadsto potential coverage bias that is better addressed throughthis type of modeling rather than weighting from historicaldata.