Banking : Physical or online?

Just as I was sipping my cappuccino with my mom and a few of her friends, I hear someone cautioning me from going places like shopping malls, cinema, parks, markets or railway stations/ Airports and then she adds, Banks to avoid swine flu. The rationale behind emphasising the term ‘bank’ here is its vulnerability which goes on doubling every step digitalisation takes towards us. The times when we had to fall in queue to make transactions, deposit money or withdraw it, are past now. No crowded banks lauded with people of all kind could be seen anymore.
But how far does it strike the jugular can be a matter of a thoughtful discourse. Online banking which is more popularly referred to as e banking or virtual banking is the new fancy for most of us, for it is far more distinguished, robust and of comfort and ease to anyone who makes use of it. Making an account with a well to remember password is far more easier than actually visiting a physical bank every time you need to make a transaction. No more running with cheque books and passbooks to those physical banks. Just a click, and you are welcomed into your virtual bank, whatever be the amount mammoth or tepid, the transactions are done away with. And of course, sitting in an AC room watching the most anticipated match between India and Pakistan and at the same time, clearing all bank work is an allurement to one and all. This is the embodiment of digitalisation, the paragon of the little success it has achieved or is yet to achieve.
But the common man, the typical common man who does not have access to the Internet is still a regular bank visitor and of course, the numbers of those of us who do Not have access to internet are  bigger than those of us who do. The governmental policy like the ‘Jan Dhan Yojana’ is largely meant for those lower middle class and the poor majority who significantly do not have access to such fancy facilities as internet. So it is quite vigilant that no matter the growing influence of online banking, physical banks are still the majorly loved ones, however, with further digitalisation the numbers might come down dramatically but even then, physical banks will never lose hope in a country like India.
So conclusively, both the Physical and the online banks serve different sections of the population and hence have their own qualitative importance in the present scenario. But for those who criticise Physical banking, the number of candidates applying for the various posts in a bank as well as the growing number of branches of banks and their internationalisation is a sufficient answer.


1984 : Book review

The book 1984 written by George Orwell is a rare dystopian specimen that is set within the realms of Oceania. It is a classic in writing and background.
Written in second person point of view, the story largely revolves around the ‘The Party’ led by Big Brother, who probably does not exist. The party is extricated into three parts, The first being the Inner party or the greater authorities and privileged one’s, the Second being the Outer party or the workers and the third is Proletarians who are the savaged powerless workers. The entire party operates on the ideologue presented by the visionary ubiquitous Big Brother.
Every person is under strict audio visual surveillance under the famous slogan :
Big brother is watching you”.

The protagonist Winston Smith is a member of the Outer party in the Ministry of Truth where he is busy skillfully rewriting the past in his monotony, however, he is a rebel and hates the party in his mind.
He falls in love with another of his kind, Julia and practices adultery and love affair without the knowledge of the party.
  Smith and Julia are betrayed by O’brein who claims to a party hater and later turns out to be a party loyalist who puts them behind the bars. They are castigated and tortured in every way possible with a motive of generating love for Big Brother and deploying hatred from the conscious and subconscious of the deadwoods.
Towards the end, both Julia and Smith are seen to have betrayed each other and Winston finally, starts to love Big Brother. This is a recuperation of the party’s victory over Smith’s foundational hatred.

The naive concepts such as THOUGHT CRIMES and NEWSPEAK have been introduced. Thought Crime refers to the deviation of thought of an individual from the party’s tyranny and Newspeak refers to the curtailing of old words, shrinking the language and generation of new words in order to impose greater control of the party.

I984 has been listed among the ‘Must read books’ and is one of the greatest literatures of all times. http://bookreview1984

Where happiness lies.

Part 1:

What if there was a sea of happiness where you could dive having the best of times?
No morbidity and related embroils. Peace that would overwhelm you soaking down from all your body.
Waters of solidarity flowing with tenderness and Jubilation.
No one to drub you forward or churl you backward. No one to tell you that you cannot swim.
Its only you with the divine waters and the sun, looking straight into your eyes and tracing your body with an unguarded light, then shall you get the strength to dispense all your insecurities and dump it into the mammoth sea. And rise above, not as high as the sun. But above all the temptations, turning your back to those who believe that you cannot and you never will.