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Tuesday 18 June 2013

Digitalizing The World From Online Payday Loans To Home-based Learning

By Jason Mak


The internet has become a fundamental part of our global and American culture, shaping the future by touching nearly every facet of human life: we bank online; we learn online; we shop on the web; we socialize online; we obtain pay day loans online; we live on the web.

A most important reason for this life-altering phenomenon is the growing want for immediate satisfaction. If you're hungry, you stop by a drive through for fast-food; if you have a query, you do a Google search for an immediate answer; if you want fast money, you request an online pay day loan or money advance. With the bustle of our daily lives, the internet has rapidly become America's fave, and presumably most valuable, resource.

The cultural swap from more traditional, and lengthy, face-to-face interactions to conveniently quick, completely digital relations has reached outside the binary-walls of social media networks, changing some of our most foundational institutionsâ€"namely, our schools and our banks. According to a 2011 PEW study, more than three-quarters of America's higher education establishments now offer internet courses. These courses cover the breadth of America's capstone instructional needs, as well as vocational and elective options, allowing busy individuals an opportunity to get a varsity degree at their convenience and from the comfort of their own homes. But in the opinion of the same study, only 39% of adults who have taken an online class don't find this technique of teaching as effective, as thus as valuable, as a conventional study room environment.

It appears that despite the rise in renown of internet learning, scholars aren't as happy with the learning opportunity that this medium provides. While there happen to be a variety of factors that might cultivate this dissatisfaction, the commonest beefs appear to revolve around the miscommunications that arise from the lack of face to face interaction. Human communication is much more than just relaying words: tone, body language, and facial expressions all influence the way a message is received. In an internet environment, this interaction is missing, as the printed word becomes the number one means to speak and, thus, more confusion results. While video conferencing has established a place in remote learning and can exterminate some of the confusion linked with the misinterpretation of written words, it is still not the primary means of communication in this forum and is used carefully.

Intriguingly, this isn't only an education issue. More American companies are appealing to customers who hate automated delivery systems and opt to speak with company members in a face-to-face setting by advertising the value of interpersonal human communication. This looks to be an extremely well-liked trend amongst banks and investment corporations. Though banking online is very common, many people would prefer posing questions about their finances in person. The same applies for pay-day loan borrowers, who might be apprehensive about taking a loan without asking questions, and, let's face it, sometimes an FAQ link is not a acceptable comfort.

This raises a puzzling question: how can the modern wish for instantaneous results and convenience fit compatibility with the human desire for face-to-face interpersonal communication? Many institutions, including banks and colleges, have begun to provide solutions by employing a selection of mediums and forums for interpersonal transactions. Colleges have been discovering that composite classes provide a great mixture of convenience and face time, while banks offer online, phone, and in-person services to aid costumers. Likewise, pay day loan banks now offer phone and web services, rather than the old-school on-site services of the past.




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