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Focus

Arsenic is regarded as one of the potential toxic elements contaminating the ground water, and the toxicity level of Arsenic is reportedly higher in ground waters of Asiatic countries. Among all the South Asian countries, Bangladesh and West Bengal in India are worst hit by Arsenic contamination in their ground waters. Phytohormones have a useful role in counteracting the effect of toxic metals and metalloids such as Arsenic, Lead and Chromium. Similarly, macro-elements like Phosphorous, Sulfur and organic acids like malate, citrate and pyruvate have also been found to have ameliorative role towards plants grown using contaminated water. In the first paper, “Reduction of Arsenate Induced Oxidative Stress in Mungbean Seedlings by Phosphate Salts and Phytohormones”, by Arpita Swarnakar and Subhendu Mukherji, the effect of Sodium arsenate on the growth and activity of few oxidizing enzymes of mungbean seedlings was investigated and the observations reveal that the decrease in seedling length, fresh weight and dry weight of the mungbean seedlings is proportional to the concentration of arsenate.

Deterioration in water quality due to nonpoint sources of pollution is one of the major challenges in water quality management faced by developing countries like India. Surface runoff, especially during the ‘first flush’ conditions is an important source of nonpoint source pollution. In the second paper, “Assessment of Pollution Potential of First Flush Runoff from an Urban Roadway”, by Shivani Sood, Vibhor Sood and Siby John, an attempt was made to characterize the road runoff quality and assess the pollution potential of the urban road runoff of different zones of Chandigarh. The results obtained revealed that TSS, COD and Concentrations of heavy metals like Cr6+, Fe, Zn, Pb, Ni were exceeding the Indian National Surface Water Discharge Standards.

Composting is one of the natural methods of waste degradation in which microbial decomposition of organic matter occurs under aerobic conditions. The process involves the oxidation of Carbon in hydrocarbons from C0 to C4+ state to produce oxidation products such as CO2, H2O(l) and a considerable amount of heat. Minerals and organic matter of the hydrocarbons get converted into potentially reusable soil amendments. In the third paper, “Composting of Food and Vegetable Waste”, by Kunwar D Yadav, N J Mistry, Daxesh Pandya and Bhupesh Ganvit , a study was conducted to find out the degradation aspects of food and vegetable wastes.

There has been a worldwide concern for sustainable development especially after the 1992s Rio’s UN Conference on Environment and Development. Rapid encroachment of urban development on valuable agricultural land will have a great influence on the achievement of sustainable development . A sustainable land development model is developed using GIS in an attempt to control urban sprawl under rapid rural urbanization. In the fourth paper, “Development of Land Suitability Model (LSM) for Irrigation Management Using Remote Sensing, GIS, GPS and Field Studies: A Case Study of a Part of Nagarjunasagar Command Area, Prakasam District, Andhra Pradesh, India”, by K Santosh Kumar and M Anji Reddy, a study was carried out with a set of objectives to examine and analyze the spatial information related to the present practices of irrigation, generate Geographic Information System (GIS) and Mandal Information System (MIS) digital database, spatial database creation, and to develop soil and water quality assessment for the study area.

Mangrove ecosystems which act as buffers between land and sea are important as they protect the land from the effect of violent sea during floods as well as prevent soil erosion by trapping and depositing the sediments brought by tides. The phytogeographical distribution of these mangroves within the Indian subcontinent is along the western and eastern coasts and in parts of isolated islands of Andaman and Nicobar. Remote Sensing (RS) in conjunction with Geographical Information System (GIS), and geospatial tools, proved beneficial in providing a detailed scenario on the past and present land use and land cover patterns of a given area.

In the fifth paper, “Analysis of Spatial and Temporal Changes in Mangroves Along Thane Creek of Mumbai (India) Using Geospatial Tools”, by P Ram Chandra Prasad, Chiranjibi Pattanaik, S Narendra Prasad and C B S Dutt, a study was carried out to analyze the spatial and temporal changes which occurred along the parts of Thane creek of Mumbai using different satellite imagery. The study revealed an increase of mangrove areas along the coastline from 1992 to 2001 and a decrease from 2001 to 2005.

Bioreactors are modeled and fabricated according to the biochemical reactions proposed to be carried out inside it. Upflow Aerobic Fixed Bed Bioreactor (UAFBBR) is a typical version of airlift reactor which contains a column filled with various types of solid media for the treatment of carbonaceous organic matter in the wastewater. One of the advantages of this version is the attainment of very long mean residence time at moderately low Hydraulic Retention Time (HRT) which is essential for an efficient treatment. In the sixth paper, “Pall Rings Media Performance Studies on Upflow Aerobic Fixed Bed Bioreactor for the Treatment of Dairy Wastewater”, by Madan Mohan Reddy K, Sanjeeva Rayudu E and Srimurali M, studies were conducted to assess the influence of HRT on performance of UAFBBR for the treatment of dairy wastewater. The waste treatment performance indicates that the UAFBBR packed with pall rings media demonstrated the highest COD and BOD removal efficiency.

Air pollution is a major cause of environmental health problems with devastating effects all over the World. In recent years, new air sampling techniques have been developed for the assessment of air pollutants. In the seventh paper, “Quantification of Chlorine and Hydrogen Chloride in Air using Chemically-Treated Filter”, by A H Abba, M Rashid, C M Hasfalina, Z Z Noor and T B Whei, a simplified technique based on US EPA Test Method 26/26A was developed to quantify the concentration of Chlorine and Hydrogen chloride in indoor air.

The collection of acid gases was compared by liquid absorption between impingers and the chemically treated-filter. A rise in the sea level has many implications for natural environment and accelerates coastal erosion. It also impacts groundwater quality of the coastal habitat. In South-East Asia, these problems are exacerbated as the ground level is also sinking at the same time as the sea level is rising. This, combined with changes in rainfall patterns and increased demand for water, increases the risk to coastal aquifers of saline intrusion. In the last paper, “Saline Intrusion Modeling of Sea Water Level Rise Impact on a Natural River in Miri, Sarawak”, Hii Ching Poon, Fredrik Josep Putuhena and Salim Said, have reported a salinity modelling exercise.

-- 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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