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The IUP Journal of Architecture
Focus

Rapid urbanization has forced the architects and planners to focus their attention towards the pressing contemporary issues our cities are facing. This has often been at the cost of losing the historical architectural heritage woven into our urban environments. Our attention is once again drawn to this disturbing trend by various researchers.

The first two papers elucidate the importance of understanding the historical characteristics of the architecture of a given place through two case studies: one in Puducherry, and the other in Kolkata.

In the first paper, “Assessing the Physical Feature Attributes of French Architectural Style in the Contemporary Built Environment at Puducherry: A Lens Model Approach”, the authors K Thirumaran and Meenatchi Sundaram, have highlighted how the inherent French character of the town is being ruined by the introduction of new technology and materials. In order to arrest this trend, they have investigated the potential of proximal and distal cues in revealing the French architecture of Puducherry, and their collective effect in arriving at a framework of guidelines for future development.

In a similar vein, the second paper, “Infill Proposals for Revival of Historic Urban Core of Kolkata”, the author Satyaki Sarkar discusses the loss of historic character in Binoy-Badal-Dinesh Bagh, the historic urban core of Kolkata. The author has attempted to show how, through appropriate infill proposals, the area can be revived to its potential use and economic value, and its architectural character can be preserved.

Another issue of concern is the changing dynamics of education and practice and the new challenges that confront both the architectural profession and academia. One such issue is the increasingly complex engineering inputs required in buildings and the stage when they need to be incorporated into the design process. In the third paper, “Integral Design Instead of Integrative Design Between Engineering and Architecture”, the author Wim Zeiler, discusses this pertinent issue. The author makes out a case for synthesis between architectural concept and engineering functionality through an Integral Design (ID) process approach which would lead to greater transparency between the design process and design decisions.

In the fourth paper, “The Relationship Between Organizational Structure and Innovativeness of Malaysian Housing Developers”, the authors A M Kamaruddeen, Y Nor Aini and I Said, focus on the professional practice by examining how various organizational characteristics of housing development firms influence their ability to innovate. They conclude that though IT innovativeness is encouraged by a less formal centralized structure, the overall innovativeness remains unaffected.

Finally, in the last paper, “What is the Future and Vision of Architectural Education”, the authors, Michael Brazley and Merry Renate’ Brazley, analyze the impact of the architectural studio on the community, through a study of post-Katrina reconstruction of the Lower 9th Ward community. It reveals that students are not only keen on interaction between the studio and community, but are also interested in real life problem solving, to improve the quality of life.

-- P S Chani
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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