How Digital Banking is Changing the Way We Manage Our Money
Order ID |
53563633773 |
Type |
Essay |
Writer Level |
Masters |
Style |
APA |
Sources/References |
4 |
Perfect Number of Pages to Order |
5-10 Pages |
Description/Paper Instructions
How Digital Banking is Changing the Way We Manage Our Money
Digital banking has been growing in popularity over the past few years, as more and more people begin to embrace technology in all aspects of their lives. With digital banking, customers can manage their money in a way that is both convenient and secure. Here are some of the ways that digital banking is changing the way we manage our money:
Convenience: Digital banking makes it easy for customers to access their accounts anytime and anywhere. With online and mobile banking, customers can check their account balances, transfer funds, pay bills, and even deposit checks without ever having to visit a bank branch. This convenience is especially helpful for people with busy schedules who may not have the time to visit a bank during normal business hours.
Personalization: With digital banking, customers can personalize their account settings to meet their specific needs. They can set up automatic bill payments, receive alerts for account activity, and even create savings goals. These features help customers stay on top of their finances and make better financial decisions.
Security: Digital banking provides customers with a secure way to manage their money. Banks use advanced security measures such as two-factor authentication and encryption to protect customer information. Customers can also monitor their accounts for suspicious activity and report any unauthorized transactions.
Cost savings: Digital banking can also help customers save money. Many banks offer lower fees and higher interest rates for online accounts compared to traditional accounts. Additionally, digital banking eliminates the need for paper statements and reduces the amount of paper waste generated by traditional banking methods.
Access to financial tools: Digital banking provides customers with access to a wide range of financial tools and resources. Customers can use budgeting and financial planning tools to help them manage their money more effectively. They can also access educational resources to learn more about personal finance and investing.
Speed: Digital banking transactions are processed much faster than traditional banking methods. Customers can transfer funds between accounts or pay bills within seconds, rather than waiting for days for the transaction to clear.
Improved customer service: Digital banking has also improved customer service. Customers can chat with customer service representatives online or through mobile apps, rather than waiting on hold on the phone. Banks can also provide more personalized customer service by analyzing customer data and offering customized solutions.
Enhanced accessibility: Digital banking also offers enhanced accessibility to people with disabilities. Online and mobile banking provide a more accessible way for people with disabilities to manage their money, allowing them to access their accounts independently and without assistance.
In conclusion, digital banking is changing the way we manage our money by providing us with more convenience, personalization, security, cost savings, access to financial tools, speed, improved customer service, and enhanced accessibility. As digital banking continues to evolve and improve, it is likely that even more benefits will emerge for customers.
How Digital Banking is Changing the Way We Manage Our Money
RUBRIC
QUALITY OF RESPONSE |
NO RESPONSE |
POOR / UNSATISFACTORY |
SATISFACTORY |
GOOD |
EXCELLENT |
Content (worth a maximum of 50% of the total points) |
Zero points: Student failed to submit the final paper. |
20 points out of 50: The essay illustrates poor understanding of the relevant material by failing to address or incorrectly addressing the relevant content; failing to identify or inaccurately explaining/defining key concepts/ideas; ignoring or incorrectly explaining key points/claims and the reasoning behind them; and/or incorrectly or inappropriately using terminology; and elements of the response are lacking. |
30 points out of 50: The essay illustrates a rudimentary understanding of the relevant material by mentioning but not full explaining the relevant content; identifying some of the key concepts/ideas though failing to fully or accurately explain many of them; using terminology, though sometimes inaccurately or inappropriately; and/or incorporating some key claims/points but failing to explain the reasoning behind them or doing so inaccurately. Elements of the required response may also be lacking. |
40 points out of 50: The essay illustrates solid understanding of the relevant material by correctly addressing most of the relevant content; identifying and explaining most of the key concepts/ideas; using correct terminology; explaining the reasoning behind most of the key points/claims; and/or where necessary or useful, substantiating some points with accurate examples. The answer is complete. |
50 points: The essay illustrates exemplary understanding of the relevant material by thoroughly and correctly addressing the relevant content; identifying and explaining all of the key concepts/ideas; using correct terminology explaining the reasoning behind key points/claims and substantiating, as necessary/useful, points with several accurate and illuminating examples. No aspects of the required answer are missing. |
Use of Sources (worth a maximum of 20% of the total points). |
Zero points: Student failed to include citations and/or references. Or the student failed to submit a final paper. |
5 out 20 points: Sources are seldom cited to support statements and/or format of citations are not recognizable as APA 6th Edition format. There are major errors in the formation of the references and citations. And/or there is a major reliance on highly questionable. The Student fails to provide an adequate synthesis of research collected for the paper. |
10 out 20 points: References to scholarly sources are occasionally given; many statements seem unsubstantiated. Frequent errors in APA 6th Edition format, leaving the reader confused about the source of the information. There are significant errors of the formation in the references and citations. And/or there is a significant use of highly questionable sources. |
15 out 20 points: Credible Scholarly sources are used effectively support claims and are, for the most part, clear and fairly represented. APA 6th Edition is used with only a few minor errors. There are minor errors in reference and/or citations. And/or there is some use of questionable sources. |
20 points: Credible scholarly sources are used to give compelling evidence to support claims and are clearly and fairly represented. APA 6th Edition format is used accurately and consistently. The student uses above the maximum required references in the development of the assignment. |
Grammar (worth maximum of 20% of total points) |
Zero points: Student failed to submit the final paper. |
5 points out of 20: The paper does not communicate ideas/points clearly due to inappropriate use of terminology and vague language; thoughts and sentences are disjointed or incomprehensible; organization lacking; and/or numerous grammatical, spelling/punctuation errors |
10 points out 20: The paper is often unclear and difficult to follow due to some inappropriate terminology and/or vague language; ideas may be fragmented, wandering and/or repetitive; poor organization; and/or some grammatical, spelling, punctuation errors |
15 points out of 20: The paper is mostly clear as a result of appropriate use of terminology and minimal vagueness; no tangents and no repetition; fairly good organization; almost perfect grammar, spelling, punctuation, and word usage. |
20 points: The paper is clear, concise, and a pleasure to read as a result of appropriate and precise use of terminology; total coherence of thoughts and presentation and logical organization; and the essay is error free. |
Structure of the Paper (worth 10% of total points) |
Zero points: Student failed to submit the final paper. |
3 points out of 10: Student needs to develop better formatting skills. The paper omits significant structural elements required for and APA 6th edition paper. Formatting of the paper has major flaws. The paper does not conform to APA 6th edition requirements whatsoever. |
5 points out of 10: Appearance of final paper demonstrates the student’s limited ability to format the paper. There are significant errors in formatting and/or the total omission of major components of an APA 6th edition paper. They can include the omission of the cover page, abstract, and page numbers. Additionally the page has major formatting issues with spacing or paragraph formation. Font size might not conform to size requirements. The student also significantly writes too large or too short of and paper |
7 points out of 10: Research paper presents an above-average use of formatting skills. The paper has slight errors within the paper. This can include small errors or omissions with the cover page, abstract, page number, and headers. There could be also slight formatting issues with the document spacing or the font Additionally the paper might slightly exceed or undershoot the specific number of required written pages for the assignment. |
10 points: Student provides a high-caliber, formatted paper. This includes an APA 6th edition cover page, abstract, page number, headers and is double spaced in 12’ Times Roman Font. Additionally, the paper conforms to the specific number of required written pages and neither goes over or under the specified length of the paper. |
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