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Focus

The current focus of research is in the direction of improvement of life kinds, in the light of Genome analysis, Marker Aided Selection (MAS), functional aspects of gene and its expression.

Gene regulation forms an important component of research in molecular biology, with the present emphasis being on various regulatory mechanisms leading to the exploration of enhancer sequences, suppressor sequences and gene silencers for upregualtion, downregulation and switching off the genes, respectively, depending upon the requirement of gene functioning at different stages of life and its development. One of the emerging technologies in gene silencing is RNA interference (RNAi) which puts off genes not required or harmful to life. Such interference is possible either by exploiting the naturally available RNA in the living systems or synthetic interference molecules which mimic the natural mechanisms of gene silencing available. Such experiments are in progress to combat viral infections and cancers. This further signals the importance of RNA and other regulatory molecules in the overall regulation of genes during the development of organisms, leading to its application in the quantitative improvement of commercially important organisms or crops.

In the paper, "Isozymic Variation in Radish (Raphanus sativus L.) for Identifying Self-Incompatible Line", the authors, N A Ivy, M S Biswas, G Rasul, T Hossain and M A K Mian, have measured the diversity among 78 radish genotypes for esterase and peroxidase isozyme patterns, and the results indicate that zymotypes of higher frequency are the representative of less variation. The lower frequency of the germplasm in different zymotypes indicates higher variation among the genotypes.

In the paper, "Changes in the Pattern of Superoxide Dismutase (SOD) and Malate Dehydrogenase (MDH) in Response to Heat Stress Conditions in Wheat", the authors, Sameena Sheikh, R K Behl, Ashwani Kumar and A K Chabra, have studied the enzyme patterns of SOD and MDH that are implicated in thermotolerance during grain development stages. Their study reports enhanced activity and divergence in isozymes, revealing genotypic variability for functional stress tolerance mechanisms among genotypes.

In the next paper, "An Analysis of Genetic Diversity Among Indian Coldwater Fishes (Pisces: Cyprinidae) Using RAPD Markers", the authors, G K Sivaraman, A Barat, S Ali, N N Pandey, K D Joshi and P C Mahanta, have analyzed the genetic diversity among coldwater fish species and constructed phylogenetic relationships among them using RAPD markers. The study reveals T. putitora with S. richardsonii and Garra species withR. bola forming two distinct clusters.

In the paper, "Genetic Variability and Association for Floral, Quantitative and Quality Traits in Rice (Oriza sativa L.)", the authors, M Umadevi and P Veerabadhiran, have studied the genetic variability and correlation for 110 genotypes of rice. They estimated genotypic variance, phenotypic variance, genotypic coefficient of variation, phenotypic coefficient of variation, heritability in broad sense, genetic advance and association for grain yield with floral quantitative and quality characters which are effectively used in selection.

In the next paper, "Component Analysis of Upland Cotton (Gossypium hirsutum L.) in Different Environments", the authors, S K Kaushik and C J Kapoor, have analyzed additive, dominance and epistatic variance for number of sympodial branches per plant, using diallele analysis. This information is fundamental in the selection of appropriate breeding methodologies. The study recommends reciprocal recurrent selection for the improvement of the character under consideration because of different proportions of both additive and non-additive types of gene actions.

In the last paper, "Cryopreservation of Medicinal Plant Systems: Progress, Problems and Prospects", by the authors, P E Rajasekharan and R Prakashkumar, a thorough review has been made of cryopreservation of medicinal plants. The authors opine that the retention of biosynthetic potential of the retrieved cultures amply demonstrates the use of this technology for storage of rare, high alkaloid/secondary metabolites/medicines producing cell cultures for pharmaceutical purposes. The empirical studies in many species of medicinal plants showed promising results, and need-based protocols have to be evolved in the future.

Seventh article "Sperm Antigens: Potential Candidates for Male Immunocontraception," by authors D Madhaumayee, M Madhavi Lata, Manisha K Singh and V V Rao, who reviewed extensively the role of sperm antigen in male immuno-contraception. A focus is given on the development of human vaccine consisting of one or several gamete-associated immunogens, which offers an attractive approach to the growing global problem of over population.

V Venugopal Rao
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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Genetics & Evolution