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Tuesday, October 11, 2022

Jesus in Christianity

From Wikipedia, the free encyclopedia
 
Saint John indicating Christ to Saint Andrew by Ottavio Vannini, 17th century

In Christianity, Jesus is the Son of God and in mainstream Christian denominations he is God the Son, the second person in the Trinity. He is believed to be the Jewish messiah (the Christ) who is prophesied in the Hebrew Bible, which is called the Old Testament in Christianity. It is believed that through his crucifixion and subsequent resurrection, God offered humans salvation and eternal life, that Jesus died to atone for sin to make humanity right with God.

These teachings emphasize that as the Lamb of God, Jesus chose to suffer nailed to the cross at Calvary as a sign of his obedience to the will of God, as an "agent and servant of God". Jesus's choice positions him as a man of obedience, in contrast to Adam's disobedience. According to the New Testament, after God raised him from the dead, Jesus ascended to heaven to sit at the right hand of God, and he will return to earth again for the Last Judgment and the establishment of the Kingdom of God.

In the gospel accounts, Jesus also debated with fellow Jews on how to best follow God, performed miracles, taught in parables, and gathered disciples. Christians follow the moral teachings of Jesus.

While there has been theological debate over the nature of Jesus, Trinitarian Christians believe that Jesus is the Logos, God incarnate, God the Son, and "true God and true man"—both fully divine and fully human. Jesus, having become fully human in all respects, suffered the pains and temptations of a mortal man, yet he did not sin.

Core teachings

Although Christian views of Jesus vary, it is possible to summarize the key elements of the beliefs shared by major Christian denominations by analyzing their catechetical or confessional texts. Christian views of Jesus are derived from various biblical sources, particularly from the canonical gospels and New Testament letters such as the Pauline epistles. Christians predominantly hold that these works are historically true.

Those Christian groups or denominations which are committed to what are considered biblically orthodox Christianity nearly all agree that Jesus:

  • was born of a virgin
  • is a human being who is also fully God
  • had never sinned during his existence
  • was crucified and buried in a tomb
  • rose from the dead on the third day
  • eventually ascended back to God the Father
  • will return to earth

Some groups which are considered to be Christian hold beliefs which are considered to be heterodox. For example, believers in monophysitism reject the idea that Christ has two natures, one human and one divine.

The five major milestones in the gospel narrative of the life of Jesus are his baptism, transfiguration, Crucifixion, Resurrection and Ascension. These are usually bracketed by two other episodes: his nativity at the beginning and the sending of the Paraclete (Holy Spirit) at the end. The gospel accounts of the teachings of Jesus are often presented in terms of specific categories involving his "works and words", e.g., his ministry, parables and miracles.

Christians not only attach theological significance to the works of Jesus, but also to his name. Devotions to the name of Jesus go back to the earliest days of Christianity. These exist today both in Eastern and Western Christianity—both Catholic and Protestant.

Christians predominantly profess that through Jesus' life, death, and Resurrection, he restored humanity's communion with God with the blood of the New Covenant. His death on a cross is understood as a redemptive sacrifice: the source of humanity's salvation and the atonement for sin which had entered human history through the sin of Adam.

Christ, Logos and Son of God

First page of Mark, by Sargis Pitsak (14th century): "The beginning of the gospel of Jesus Christ, the Son of God".

But who do you say that I am? Only Simon Peter answered him: You are the Christ, the Son of the living GodMatthew 16:15-16

Jesus is mediator, but…the title means more than someone between God and man. He is not just a third party between God and humanity…. As true God he brings God to mankind. As true man he brings mankind to God.

Most Christians generally consider Jesus to be the Christ, the long-awaited Messiah, as well as the one and only Son of God. The opening words in the Gospel of Mark (1:1), "The beginning of the gospel of Jesus Christ, the Son of God", provide Jesus with the two distinct attributions as Christ and as the Son of God. His divinity is again re-affirmed in Mark 1:11. Matthew 1:1 which begins by calling Jesus the Christ and in verse 16 explains it again with the affirmation: "Jesus, who is called Christ".

In the Pauline epistles, the word Christ is so closely associated with Jesus that apparently for the early Christians there was no need to claim that Jesus was Christ, for that was considered widely accepted among them. Hence Paul could use the term Christos with no confusion about who it referred to, and as in 1 Corinthians 4:15 and Romans 12:5 he could use expressions such as "in Christ" to refer to the followers of Jesus.

In the New Testament, the title "Son of God" is applied to Jesus on many occasions, from the Annunciation up to the Crucifixion. The declaration that Jesus is the Son of God is made by many individuals in the New Testament, and on two occasions by God the Father as a voice from Heaven, and is asserted by Jesus himself.

In Christology, the concept that Christ is the Logos (i.e., "The Word") has been important in establishing the doctrine of the divinity of Christ and his position as God the Son in the Trinity as set forth in the Chalcedonian Creed. This derives from the opening of the Gospel of John, commonly translated into English as: "In the beginning was the Word, and the Word was with God, and the Word was God." λόγος in the original Koine Greek is translated as Word and in theological discourse, this is often left in its English transliterated form, Logos. The easiest way to understand this is the teaching that Jesus (The Word of God) came from the bosom of God the Father and became a living being who then translated into a foetus in the womb of (Virgin Mary) through a supernatural means, as professed by believers in Christ.

The pre-existence of Christ refers to the existence of Christ before his incarnation as Jesus. One of the relevant New Testament passages is John 1:1-18 where, in the Trinitarian view, Christ is identified with a pre-existent divine hypostasis called the Logos or Word. This doctrine is reiterated in John 17:5 when Jesus refers to the glory which he had with the Father "before the world was" during the Farewell Discourse. John 17:24 also refers to the Father loving Jesus "before the foundation of the world". Non-Trinitarian views about the pre-existence of Christ vary, with some rejecting it and others accepting it.

Following the Apostolic Age, from the 2nd century forward, several controversies developed about how the human and divine are related within the person of Jesus. Eventually in 451, the concept of a hypostatic union was decreed, namely that Jesus is both fully divine and fully human. However, differences among Christian denominations continued thereafter, with some rejecting the hypostatic union in favor of monophysitism.

Incarnation, Nativity and Second Adam

He is the image of the invisible God, the firstborn of all creation. For by him all things were created, in heaven and on earth, visible and invisible. — Colossians 1:15-16

The above verse from Colossians regards the birth of Jesus as the model for all creation.

Paul the Apostle viewed the birth of Jesus as an event of cosmic significance which brought forth a "new man" who undid the damage caused by the fall of the first man, Adam. Just as the Johannine view of Jesus as the incarnate Logos proclaims the universal relevance of his birth, the Pauline perspective emphasizes the birth of a new man and a new world in the birth of Jesus. Paul's eschatological view of Jesus counter-positions him as a new man of morality and obedience, in contrast to Adam. Unlike Adam, the new man born in Jesus obeys God and ushers in a world of morality and salvation.

In the Pauline view, Adam is positioned as the first man and Jesus as the second: Adam, having corrupted himself by his disobedience, also infected humanity and left it with a curse as its inheritance. The birth of Jesus counterbalanced the fall of Adam, bringing forth redemption and repairing the damage done by Adam.

In the 2nd century Church Father Irenaeus writes:

"When He became incarnate and was made man, He commenced afresh the long line of human beings, and furnished us, in a brief, comprehensive manner, with salvation; so that what we had lost in Adam—namely to be according to the image and likeness of God- that we might recover in Christ Jesus."

In patristic theology, Paul's contrasting of Jesus as the new man versus Adam provided a framework for discussing the uniqueness of the birth of Jesus and the ensuing events of his life. The nativity of Jesus thus began to serve as the starting point for "cosmic Christology" in which the birth, life and Resurrection of Jesus have universal implications. The concept of Jesus as the "new man" repeats in the cycle of birth and rebirth of Jesus from his nativity to his Resurrection: following his birth, through his morality and obedience to the Father, Jesus began a "new harmony" in the relationship between God the Father and man. The nativity and Resurrection of Jesus thus created the author and exemplar of a new humanity. In this view, the birth, death and Resurrection of Jesus brought about salvation, undoing the damage of Adam.

As the biological son of David, Jesus would be of the Jewish race, ethnicity, nation, and culture. One argument against this would be a contradiction in Jesus' genealogies: Matthew saying he is the son of Solomon and Luke saying he is the son of Nathan—Solomon and Nathan being brothers. John of Damascus taught that there is no contradiction, for Nathan wed Solomon's wife after Solomon died in accordance with scripture, namely, yibbum (the mitzvah that a man must marry his brother's childless widow).

Jesus grew up in Galilee and much of his ministry took place there. The languages spoken in Galilee and Judea during the 1st century AD include Jewish Palestinian Aramaic, Hebrew, and Greek, with Aramaic being predominant. There is substantial consensus that Jesus gave most of his teachings in Aramaic in the Galilean dialect.

The canonical gospels describe Jesus wearing tzitzit – the tassels on a tallit – in Matthew 14:36 and Luke 8:43–44. Besides this, the New Testament includes no descriptions of Jesus' appearance before his death and the gospel narratives are generally indifferent to people's racial appearance or features.

Ministry

The Communion of the Apostles, by Luca Signorelli, 1512

The thief comes only in order to steal and kill and destroy. I came that they may have and enjoy life, and have it in abundance (to the full, till it overflows).—John 10:10 (Ampl)

Jesus seemed to have two basic concerns with reference to people and the material: (1) that they be freed from the tyranny of things and (2) that they be actively concerned for the needs of others.

In the canonical gospels, the Ministry of Jesus begins with his baptism in the countryside of Judea, near the River Jordan and ends in Jerusalem, following the Last Supper. The Gospel of Luke (3:23) states that Jesus was "about 30 years of age" at the start of his ministry. The date of the start of his ministry has been estimated at around AD 27 to 29 and the end in the range AD 30 to 36.

Jesus' early Galilean ministry begins when after his baptism, he goes back to Galilee from his time in the Judean desert. In this early period he preaches around Galilee and recruits his first disciples who begin to travel with him and eventually form the core of the early Church. The major Galilean ministry which begins in Matthew 8 includes the commissioning of the Twelve Apostles, and covers most of the ministry of Jesus in Galilee. The final Galilean ministry begins after the death of John the Baptist as Jesus prepares to go to Jerusalem.

In the later Judean ministry Jesus starts his final journey to Jerusalem through Judea. As Jesus travels towards Jerusalem, in the later Perean ministry, about one third the way down from the Sea of Galilee along the River Jordan, he returns to the area where he was baptized.

The final ministry in Jerusalem is sometimes called the Passion Week and begins with the Jesus' triumphal entry into Jerusalem. The gospels provide more details about the final ministry than the other periods, devoting about one third of their text to the last week of the life of Jesus in Jerusalem.

Teachings, parables and miracles

The words that I say unto you I speak not from myself: but the Father who dwells in me does his works.John 14:10

In the New Testament the teachings of Jesus are presented in terms of his "words and works". The words of Jesus include several sermons, in addition to parables that appear throughout the narrative of the Synoptic Gospels (the gospel of John includes no parables). The works include the miracles and other acts performed during his ministry.

Although the Canonical Gospels are the major source of the teachings of Jesus, the Pauline epistles, which were likely written decades before the gospels, provide some of the earliest written accounts of the teachings of Jesus.

The New Testament does not present the teachings of Jesus as merely his own teachings, but equates the words of Jesus with divine revelation, with John the Baptist stating in John 3:34: "For the one whom God has sent speaks the words of God, for God gives the Spirit without limit." and Jesus stating in John 7:16: “My teaching is not my own. It comes from the one who sent me". In Matthew 11:27 Jesus claims divine knowledge, stating: "No one knows the Son except the Father and no one knows the Father except the Son", asserting the mutual knowledge he has with the Father.

One of the most important of Jesus' teachings is his second coming in Matthew 24 and Luke 21. There Jesus explained the signs of the last days, popularly known as the end-time. These are the days that precedes the second coming of Jesus Christ, there he spoke of the signs of the end of days and what will happen to the believers in Christ, the persecution and the troubles that will come upon the world. The second coming of Jesus is mainly divided into two, namely; the Rapture and the Second Coming. The rapture being the time Jesus comes in the air to take up his saints to Heaven for a period of seven years and the second coming, being a time he comes with the saints to rule the earth for a thousand years. It is also referred to as the millennial reign.

Discourses

Jesus' Farewell Discourse to his eleven remaining disciples after the Last Supper, from the Maestà by Duccio.

The gospels include several discourses by Jesus on specific occasions, such as the Farewell discourse delivered after the Last Supper, the night before his Crucifixion. Although some of the teachings of Jesus are reported as taking place within the formal atmosphere of a synagogue (e.g., in Matthew 4:23) many of the discourses are more like conversations than formal lectures.

The Gospel of Matthew has a structured set of sermons, often grouped as the Five Discourses of Matthew which present many of the key teachings of Jesus. Each of the five discourses has some parallel passages in the Gospel of Mark or the Gospel of Luke. The five discourses in Matthew begin with the Sermon on the Mount, which encapsulates many of the moral teaching of Jesus and which is one of the best known and most quoted elements of the New Testament. The Sermon on the Mount includes the Beatitudes which describe the character of the people of the Kingdom of God, expressed as "blessings".[95] The Beatitudes focus on love and humility rather than force and exaction and echo the key ideals of Jesus' teachings on spirituality and compassion. The other discourses in Matthew include the Missionary Discourse in Matthew 10 and the Discourse on the Church in Matthew 18, providing instructions to the disciples and laying the foundation of the codes of conduct for the anticipated community of followers.

Parables

The Good Samaritan is a painting by James Tissot. The Parable of the Good Samaritan is one of the parables of Jesus.

The parables of Jesus represent a major component of his teachings in the gospels, the approximately thirty parables forming about one third of his recorded teachings. The parables may appear within longer sermons, as well as other places within the narrative. Jesus' parables are seemingly simple and memorable stories, often with imagery, and each conveys a teaching which usually relates the physical world to the spiritual world.

In the 19th century, Lisco and Fairbairn stated that in the parables of Jesus, "the image borrowed from the visible world is accompanied by a truth from the invisible (spiritual) world" and that the parables of Jesus are not "mere similitudes which serve the purpose of illustration, but are internal analogies where nature becomes a witness for the spiritual world". Similarly, in the 20th century, calling a parable "an earthly story with a heavenly meaning", William Barclay states that the parables of Jesus use familiar examples to lead others' minds towards heavenly concepts. He suggests that Jesus did not form his parables merely as analogies but based on an "inward affinity between the natural and the spiritual order."

One of the major reasons why Jesus spoke in parables to the Jews was explained to the disciples of Jesus by Jesus himself. It is found in Matthew 13:13-14; there Jesus explains why he used much of parables to the people of Israel. Jesus explained that it was so for the fulfillment of the prophecy of Isaiah the prophet, and this is found in Isaiah 6:9-10. This was for the people of Israel not to understand and realize who Jesus is and accept him, he purposely did this to make provision for Gentiles to be part of the children of God.

Miracles of Jesus

Believe the miracles, that you may know and understand that the Father is in me, and I in the Father. —John 10:38

In Christian teachings, the miracles of Jesus were as much a vehicle for his message as were his words. Many of the miracles emphasize the importance of faith, for instance in cleansing ten lepers, Jesus did not say: "My power has saved you" but says "Rise and go; your faith has saved you." Similarly, in the Walking on Water miracle, Apostle Peter learns an important lesson about faith in that as his faith wavers, he begins to sink.

Jesus healing the paralytic in The Pool by Palma il Giovane, 1592

One characteristic shared among all miracles of Jesus in the Gospel accounts is that he delivered benefits freely and never requested or accepted any form of payment for his healing miracles, unlike some high priests of his time who charged those who were healed. In Matthew 10:8 he advised his disciples to heal the sick, raise the dead, cleanse those who have leprosy, and drive out demons without payment and stated: "Freely you have received; freely give".

Christians in general believe that Jesus' miracles were actual historical events and that his miraculous works were an important part of his life, attesting to his divinity and the Hypostatic union, i.e., the dual natures of Christ's humanity and divinity in one hypostasis. Christians believe that while Jesus' experiences of hunger, weariness, and death were evidences of his humanity, the miracles were evidences of his deity.

Christian authors also view the miracles of Jesus not merely as acts of power and omnipotence, but as works of love and mercy: they were performed to show compassion for sinful and suffering humanity. Authors Ken and Jim Stocker state that "every single miracle Jesus performed was an act of love". And each miracle involves specific teachings.

Since according to the Gospel of John it was impossible to narrate all the miracles performed by Jesus, the Catholic Encyclopedia states that the miracles presented in the Gospels were selected for a twofold reason: first for the manifestation of God's glory, and then for their evidential value. Jesus referred to his "works" as evidences of his mission and his divinity, and in John 5:36 he declared that his miracles have greater evidential value than the testimony of John the Baptist.

Crucifixion and atonement

The accounts of the Crucifixion and subsequent Resurrection of Jesus provide a rich background for Christological analysis, from the canonical gospels to the Pauline epistles.

Johannine "agency christology" combines the concept that Jesus is the Son of his Father with the idea that he has come into the world as his Father's agent, commissioned and sent by the Father to represent the Father and to accomplish his Father's work. Implied in each Synoptic portrayal of Jesus is the doctrine that the salvation Jesus gives is inseparable from Jesus himself and his divine identity. Sonship and agency come together in the Synoptic gospels only in the Parable of the Vineyard (Matthew 21:37; Mark 12:6; Luke 20:13). The submission of Jesus to crucifixion is a sacrifice made as an agent of God or servant of God, for the sake of eventual victory. This builds upon the salvific theme of the Gospel of John which begins in John 1:36 with John the Baptist's proclamation: "The Lamb of God who takes away the sins of the world". Further reinforcement of the concept is provided in Revelation 21:14 where the "lamb slain but standing" is the only one worthy of handling the scroll (i.e., the book) containing the names of those who are to be saved.

A central element in the Christology presented in the Acts of the Apostles is the affirmation of the belief that the death of Jesus by crucifixion happened "with the foreknowledge of God, according to a definite plan". In this view, as in Acts 2:23, the cross is not viewed as a scandal, for the Crucifixion of Jesus "at the hands of the lawless" is viewed as the fulfilment of the plan of God.

Paul's Christology has a specific focus on the death and Resurrection of Jesus. For Paul, the Crucifixion of Jesus is directly related to his Resurrection and the term "the cross of Christ" used in Galatians 6:12 may be viewed as his abbreviation of the message of the gospels. For Paul, the Crucifixion of Jesus was not an isolated event in history, but a cosmic event with significant eschatological consequences, as in 1 Corinthians 2:8. In the Pauline view, Jesus, obedient to the point of death (Philippians 2:8) died "at the right time" (Romans 4:25) based on the plan of God. For Paul the "power of the cross" is not separable from the Resurrection of Jesus.

John Calvin supported the "agent of God" Christology and argued that in his trial in Pilate's Court Jesus could have successfully argued for his innocence, but instead submitted to crucifixion in obedience to the Father. This Christological theme continued into the 20th century, both in the Eastern and Western Churches. In the Eastern Church Sergei Bulgakov argued that the Crucifixion of Jesus was "pre-eternally" determined by the Father before the creation of the world, to redeem humanity from the disgrace caused by the fall of Adam. In the Western Church, Karl Rahner elaborated on the analogy that the blood of the Lamb of God (and the water from the side of Jesus) shed at the Crucifixion had a cleansing nature, similar to baptismal water.

Mormons believe that the Crucifixion was the culmination of Christ's atonement, which began in the Garden of Gethsemane.

Resurrection, Ascension, and Second Coming

Depictions of the Resurrection of Jesus are central to Christian art (Resurrection of Christ by Raphael, 1499–1502)

The New Testament teaches that the Resurrection of Jesus is a foundation of the Christian faith. Christians, through faith in the working of God are spiritually resurrected with Jesus, and are redeemed so that they may walk in a new way of life.

In the teachings of the apostolic Church, the Resurrection was seen as heralding a new era. Forming a theology of the Resurrection fell to Apostle Paul. It was not enough for Paul to simply repeat elementary teachings, but as Hebrews 6:1 states, "go beyond the initial teachings about Christ and advance to maturity". Fundamental to Pauline theology is the connection between Christ's Resurrection and redemption. Paul explained the importance of the Resurrection of Jesus as the cause and basis of the hope of Christians to share a similar experience in 1 Corinthians 15:20-22:

But Christ has indeed been raised from the dead, the firstfruits of those who have fallen asleep. For since death came through a man, the resurrection of the dead comes also through a man. For as in Adam all die, so in Christ all will be made alive.

If the cross stands at the center of Paul's theology, so does the Resurrection: unless the one died the death of all, the all would have little to celebrate in the Resurrection of the one. Paul taught that, just as Christians share in Jesus' death in baptism, so they will share in his Resurrection for Jesus was designated the Son of God by his Resurrection. Paul's views went against the thoughts of the Greek philosophers to whom a bodily resurrection meant a new imprisonment in a corporeal body, which was what they wanted to avoid, given that for them the corporeal and the material fettered the spirit. At the same time, Paul believed that the newly resurrected body would be a spiritual body—immortal, glorified and powerful, in contrast to an earthly body which is mortal, dishonored and weak.

The Apostolic Fathers, discussed the death and Resurrection of Jesus, including Ignatius (50−115), Polycarp (69−155), and Justin Martyr (100−165). Following the conversion of Constantine and the liberating Edict of Milan in 313, the ecumenical councils of the 4th, 5th and 6th centuries, that focused on Christology helped shape the Christian understanding of the redemptive nature of Resurrection, and influenced both the development of its iconography, and its use within liturgy.

Nontrinitarian perspectives

The doctrine of the Trinity, including the belief that Jesus is a Person of the Trinity, is not universally accepted among Christians. Nontrinitarian Christian groups include The Church of Jesus Christ of Latter-day Saints, Unitarians and Jehovah's Witnesses. Though modern nontrinitarian groups all reject the doctrine of the Trinity, their views still differ widely on the nature of Jesus. Some do not believe that Jesus is God, instead believing that he was a messenger from God, or prophet, or the perfect created human. This is the view espoused by ancient sects such as the Ebionites, and modern-day Unitarians. It should also be noted that the Roman Catholic Church changed at various times in the fourth century with the Second Creed of Sirmium (357 AD) proclaiming and endorsing a nontrinitarian view "And to none can it be a question that the Father is greater. For no one can doubt that the Father is greater in honor and dignity and Godhead, and in the very name of Father, the Son Himself testifying, ‘The Father that sent me is greater than I’ (John 10:29, 14:28) And no one is ignorant, that it is catholic doctrine, that there are two persons of Father and Son, and that the Father is greater, and the Son subordinated to the Father."

Online banking

From Wikipedia, the free encyclopedia
 
Online banking, also known as internet banking, web banking or home banking, is an electronic payment system that enables customers of a bank or other financial institution to conduct a range of financial transactions through the financial institution's website. The online banking system will typically connect to or be part of the core banking system operated by a bank to provide customers access to banking services in addition to or in place of traditional branch banking. Online banking significantly reduces the banks' operating cost by reducing reliance on a branch network, and offers greater convenience to some customers by lessening the need to visit a branch bank as well as the convenience of being able to perform banking transactions even when branches are closed. Internet banking provides personal and corporate banking services offering features such as viewing account balances, obtaining statements, checking recent transactions, transferring money between accounts, and making payments.

Some banks operate as a "direct bank", where they operate entirely via the internet or internet and telephone. They are different from "[neobanks]]", which don't have depositary insurance.

History

Precursors

The precursor to the modern online banking services was distance banking electronically and by telephone since the early 1980s. The term 'online' became popular in the late 1980s and referred to the use of a terminal, keyboard, and TV or monitor to access the banking system using a phone line. 'Home banking' can also refer to the use of a numeric keypad to send tones down a phone line with instructions to the bank.

Emergence of computer banking

A 1985 AT&T Home Banking console.

The first home banking service was offered to consumers in December 1980 by United American Bank, a community bank with headquarters in Knoxville, Tennessee. United American partnered with Radio Shack to produce a secure custom modem for its TRS-80 computer that allowed bank customers to access their account information securely. Services available in its first years included bill pay, account balance checks, and loan applications, as well as game access, budget and tax calculators and daily newspapers. Thousands of customers paid $25–30 per month for the service.

Large banks, many working on parallel tracks to United American, followed in 1981 when four of New York's major banks (Citibank, Chase Manhattan, Chemical Bank, and Manufacturers Hanover) offered home banking services, using the videotex system. Because of the commercial failure of videotex, these banking services never became popular except in France (where millions of videotex terminals (Minitel) where given out by the telecom provider) and the UK, where the Prestel system was used.

The first videotext banking service in France was launched on December 20, 1983, by CCF Bank (now part of HSBC). Videotext online Banking services eventually reached 19% market share by 1991.

The developers of United American Bank's first-to-market computer banking system aimed to license it nationally, but they were overtaken by competitors when United American failed in 1983 as a result of loan fraud on the part of bank owner Jake Butcher, the 1978 Tennessee Democratic nominee for governor and promoter of the 1982 Knoxville World's Fair. First Tennessee Bank, which purchased the failed bank, did not attempt to develop or commercialize the computer banking platform.

Internet and customer reluctance and banking

When the clicks-and-bricks euphoria hit in the late 1990s, many banks began to view web-based banking as a strategic imperative. In 1996 OP Financial Group, a cooperative bank, became the second online bank in the world and the first in Europe.[6] The attraction of online banking is fairly obvious: diminished transaction costs, easier integration of services, interactive marketing capabilities, and other benefits that boost customer lists and profit margins. Additionally, online banking services allow institutions to bundle more services into single packages, thereby luring customers and minimizing overhead.

In 1995, Wells Fargo was the first U.S. bank to add account services to its website, with other banks quickly following suit. That same year, Presidential became the first U.S. bank to open bank accounts over the internet. According to research by Online Banking Report, at the end of 1999 less than 0.4% of households in the U.S. were using online banking. At the beginning of 2004, some 33 million U.S. households (31%) were using some form of online banking. Five years later, 47% of Americans used online banking, according to a survey by Gartner Group. Meanwhile, in the UK online banking grew from 63% to 70% of internet users between 2011 and 2012.

By 2018, the number of digital banking users in the U.S. reached approximately 61 percent. The penetration of online banking in Europe has been increased as well. In 2019, 93 percent of the Norwegian population access online banking sites, which is the highest in Europe, followed by Denmark and Netherlands. Across Asia, more than 700 million consumers are estimated to use digital banking regularly, according to a 2015 survey by McKinsey and Company.

By 2000, 80% of U.S. banks offered e-banking. Customer use grew slowly. At Bank of America, for example, it took 10 years to acquire 2 million e-banking customers. However, a significant cultural change took place after the Y2K scare ended.

In 2001, Bank of America became the first bank to top 3 million online banking customers, more than 20% of its customer base. In comparison, larger national institutions, such as Citigroup claimed 2.2 million online relationships globally, while J.P. Morgan Chase estimated it had more than 750,000 online banking customers. Wells Fargo had 2.5 million online banking customers, including small businesses. Online customers proved more loyal and profitable than regular customers. In October 2001, Bank of America customers executed a record 3.1 million electronic bill payments, totaling more than $1 billion. As of 2017, the bank has 34 million active digital accounts, both online and mobile. In 2009, a report by Gartner Group estimated that 47% of United States adults and 30% in the United Kingdom bank online.

The early 2000s saw the rise of the branch-less banks as internet only institutions. These internet-based banks incur lower overhead costs than their brick-and-mortar counterparts. In the United States, deposits at some direct banks are FDIC-insured and offer the same level of insurance protection as traditional banks. Neobanks are branch-less banks in the United States which are not FDIC-insured.

First online banking services by region

The United Kingdom

Online banking started in the United Kingdom with the launch of Nottingham Building Society (NBS)'s Homelink service in September 1982, initially on a restricted basis, before it was expanded nationally in 1983. Homelink was delivered through a partnership with the Bank of Scotland and British Telecom's Prestel service. The system used Prestel viewlink system and a computer, such as the BBC Micro, or keyboard (Tandata Td1400) connected to the telephone system and television set. The system allowed users to "transfer money between accounts, pay bills and arrange loans... compare prices and order goods from a few major retailers, check local restaurant menus or real estate listings, arrange vacations... enter bids in Homelink's regular auctions and send electronic mail to other Homelink users." In order to make bank transfers and bill payments, a written instruction giving details of the intended recipient had to be sent to the NBS who set the details up on the Homelink system. Typical recipients were gas, electricity and telephone companies and accounts with other banks. Details of payments to be made were input into the NBS system by the account holder via Prestel. A cheque was then sent by NBS to the payee and an advice giving details of the payment was sent to the account holder. BACS was later used to transfer the payment directly.

The United States

In the United States in-home banking was "is still in its infancy" with banks "cautiously testing consumer interest" in 1984, a year after online banking went national in the UK. At the time Chemical Bank in New York was "still working out the bugs from its service, which offers somewhat limited features". The service from Chemical, called Pronto, was launched in 1983 and was aimed at individuals and small businesses. It enabled them to maintain electronic checkbook registers, see account balances, and transfer funds between checking and savings accounts. The other three major banks — Citibank, Chase Bank and Manufacturers Hanover — started to offer home banking services soon after. Chemical's Pronto failed to attract enough customers to break even and was abandoned in 1989. Other banks had a similar experience.

Since it first appeared in the United States, online banking has been federally governed by the Electronic Funds Transfer Act of 1978.

France

After a test period with 2,500 users starting in 1984, online banking services were launched in 1988, using Minitel terminals that were distributed freely to the population by the government. By 1990, 6.5 million Minitels were installed in households. Online banking was one of the most popular services.

Online banking services later migrated to the Internet.

Japan

In January 1997, the first online banking service was launched by Sumitomo Bank. By 2010, most major banks implemented online banking services, however, the types of services offered varied. According to a poll conducted by Japanese Bankers Association (JBA) in 2012, 65.2% were the users of personal internet banking.

China

In January 2015, WeBank, the online bank created by Tencent, started 4-month-long online banking trail operation.

Australia

In December 1995, Advance Bank acquired by St.George Bank, started to provide customers with online banking with the rollout of the C++ Internet banking program.

India

In 1998, ICICI Bank introduced internet banking to its customers.

Brazil

In 1996, Banco Original SA launched its online-only retail banking. In 2019 new banks began to emerge as the Conta Simples, focused only for companies.

Slovenia

Virtual or online banking became a reality in Slovenia in 1997, when SKB bank launched this service under the name of SKB Net. Two years later, they were followed by the largest Slovenian bank, NLB bank, who started offering online banking services in 1999 under the name of NLB Klik. Nowadays, actually every bank in Slovenia is offering online banking services. The Slovenian Central bank's data shows that there was a rise of 5,1% in 2017 from the previous year and the number almost doubled from more than ten years ago. At the end of 2019, the number of users was almost 1 million. The number of payments is around 26 million per quarter, which means that there are more than 100 million payments made online in Slovenia every year, and another 3 million made to offshore accounts. Data from the Slovenian Central bank also show that the total value of payments in 2017 reached more than €240 million. More than 900,000 use online banking in Slovenia.

Canada

Virtual banking first became a possibility in 1996 with the Bank of Montreal's mbanx. mbanx was released at the very beginning of the internet banking revolution in Canada and was the first full-service online bank  Also in 1996, RBC started providing banking information online and had the first personal computer banking software released that year.

In 1997, the bank ING Direct Canada (now known as Tangerine Bank) was founded with almost entirely online banking using only small cafes for meetings and very few physical branches. This was completely different from how banks had operated in Canada previously. By the early 2000s, all of the major banks in Canada rolled out some form of online banking.

Ukraine

Remote customer service of banks via the internet or Online banking (e-banking) in Ukraine was introduced more than two decades ago. Legal entities have been using the remote control of bank accounts since the mid-1990s. PrivatBank, which launched the “Privat24” system in 2000, became a pioneer in retail online banking.

Since 2000, most financial institutions have been actively implementing online offices and web banking. 2007 - the number of Ukrainian banks that introduced Online Banking exceeded 20. 2018 - the ability to manage accounts and make transfers online is available in almost all financial institutions in Ukraine.

Nowadays, the list of Internet banking services, with rare exceptions, repeats the entire product line of banks. With the help of Internet banking (IB), you can not only control the movement of funds in their accounts, but also perform more complex operations: for example, order a payment card or open a deposit account, repay the loan, and recently it became possible to buy and sell currency.

The rapid development of Internet banking in Ukraine is provoking the growth of Internet users. It is important to mention that the largest functionality, more than 40 options - from transfers and opening deposits to home accounting and purchasing tickets are available in PrivatBank. There are 37 options in the Internet banking system of the First Ukrainian International Bank, 35 - in Alfa-Bank. One of the most popular services in which Internet banking users are interested in the ability to pay remotely for utilities.

Νorth Macedonia

Compared to several years ago, when the people living in Macedonia had to go directly to the banks to perform financial transactions, today there is a widely functional e-banking system. Macedonian banks today offer conventional e-banking services, electronic products including debit/credit cards and e-trading and contemporary electronic services like internet banking and online investing. What is important when it comes to e-banking is the trust in banks, usability of the platforms and the overall marketing for e-banking from banks. Moreover, it's also important to constantly update the e-banking services. One successful example regarding the above-mentioned characteristics in Macedonia is “Stopanska Banka” AD Skopje. In the country, several factors significantly influence the level of adoption and usage of e-banking services, such as age, level of education and complexity of the e-banking services offered by banks. Naturally, elderly clients use e-banking services less than younger people. In addition, the level of education has a significant influence on the level of usage, meaning that the higher the education level, the more likely is for the citizen to use e-banking services. As for the satisfaction, citizens are generally more satisfied with the e-banking services offered by various banks when they have a diverse portfolio of services and offer fast and simple completion of transactions.

Cook Islands

The Bank of the Cook Islands introduced online banking in 2015, under the leadership of Vaine Nooana-Arioka.[28]

Operation

To access a bank and online banking facility, a customer with internet access will need to register with the bank for the service, and set up a password and other credentials for customer verification. The customer visits the financial institution's secure website, and enters the online banking facility using the customer number and credentials previously set up.

Each financial institution can determine the types of financial transactions which a customer may transact through online banking, but usually includes obtaining account balances, a list of recent transactions, electronic bill payments, financing loans and funds transfers between a customer's or another's accounts. Most banks set limits on the amounts that may be transacted, and other restrictions. Most banks also enable customers to download copies of bank statements, which can be printed at the customer's premises (some banks charge a fee for mailing hard copies of bank statements). Some banks also enable customers to download transactions directly into the customer's accounting software. The facility may also enable the customer to order a cheque book, statements, report loss of credit cards, stop payment on a cheque, advise change of address and other routine actions.

Some financial institutions offer special internet banking services, for example, Personal financial management support, such as importing data into personal accounting software. Some online banking platforms support account aggregation to allow the customers to monitor all of their accounts in one place whether they are with their main bank or with other institutions.

Security

Five security token devices for online banking

Security of a customer's financial information is very important, without which online banking could not operate. Similarly the reputational risks to banks themselves are important. Financial institutions have set up various security processes to reduce the risk of unauthorized online access to a customer's records, but there is no consistency to the various approaches adopted.

The use of a secure website has been almost universally embraced.

Though single password authentication is still in use, it by itself is not considered secure enough for online banking in some countries. There are essentially two different security methods in use for online banking:

  • The PIN/TAN system where the PIN represents a password, used for the login and TANs representing one-time passwords to authenticate transactions. TANs can be distributed in different ways, the most popular one is to send a list of TANs to the online banking user by postal letter. Another way of using TANs is to generate them by need using a security token. These token generated TANs depend on the time and a unique secret, stored in the security token (two-factor authentication or 2FA).
More advanced TAN generators (chipTAN) also include the transaction data into the TAN generation process after displaying it on their own screen to allow the user to discover man-in-the-middle attacks carried out by Trojans trying to secretly manipulate the transaction data in the background of the PC.
Another way to provide TANs to an online banking user is to send the TAN of the current bank transaction to the user's (GSM) mobile phone via SMS. The SMS text usually quotes the transaction amount and details, the TAN is only valid for a short period of time. Especially in Germany, Austria and the Netherlands many banks have adopted this "SMS TAN" service. There is also "PhotoTAN" service, where the bank generates and sends a QR code image to a smartphone device of the online banking user.

Usually online banking with PIN/TAN is done via a web browser using SSL secured connections, so that there is no additional encryption needed.
  • Signature based online banking where all transactions are signed and encrypted digitally. The Keys for the signature generation and encryption can be stored on smartcards or any memory medium, depending on the concrete implementation (see, e.g., the Spanish ID card DNI electrónico).

Attacks

Attacks on online banking used today are based on deceiving the user to steal login data and valid TANs. Two well known examples for those attacks are phishing and pharming. Cross-site scripting and keylogger/Trojan horses can also be used to steal login information.

A method to attack signature based online banking methods is to manipulate the used software in a way, that correct transactions are shown on the screen and faked transactions are signed in the background.

Another kind of attack is the so-called man-in-the-browser attack, a variation of the man-in-the-middle attack where a Trojan horse permits a remote attacker to secretly modify the destination account number and also the amount in the web browser.

A 2008 U.S. Federal Deposit Insurance Corporation Technology Incident Report, compiled from suspicious activity reports banks file quarterly, lists 536 cases of computer intrusion, with an average loss per incident of $30,000. That adds up to a nearly $16-million loss in the second quarter of 2007. Computer intrusions increased by 150 percent between the first quarter of 2007 and the second. In 80 percent of the cases, the source of the intrusion is unknown but it occurred during online banking, the report states.

In 2014 in the UK, losses from online banking fraud rose by 48% compared with 2013. According to a study by a group of Cambridge University cybersecurity researchers in 2017, online banking fraud has doubled since 2011.

As of 2012 there were also combined attacks using malware and social engineering to persuade the user himself to transfer money to the fraudsters on the ground of false claims (like the claim the bank would require a "test transfer" or the claim a company had falsely transferred money to the user's account and he should "send it back").

Countermeasures

There exist several countermeasures which try to avoid attacks.

Whatever operating system is used, it is advised that the operating system is still supported, and properly patched.

Digital certificates are used against phishing and pharming, in signature based online banking variants (HBCI/FinTS) the use of "Secoder" card readers is a measurement to uncover software side manipulations of the transaction data.

In 2001, the U.S. Federal Financial Institutions Examination Council issued guidance for multifactor authentication (MFA) and then required to be in place by the end of 2006.

In 2012, the European Union Agency for Network and Information Security advised all banks to consider the PC systems of their users being infected by malware by default and therefore use security processes where the user can cross-check the transaction data against manipulations like for example (provided the security of the mobile phone holds up) SMS TAN where the transaction data is sent along with the TAN number or standalone smartcard readers with an own screen including the transaction data into the TAN generation process while displaying it beforehand to the user (see chipTAN) to counter man-in-the-middle attacks.

Criticism and problems

The increase in online banking with a concomitant closure of local bank branch offices or reduced retail opening hours discriminates against people who cannot use online banking, for physical or mental limitations like age, or illness.

In 2022, a retired Spanish urologist with Parkinson's disease gathered more than 600,000 signatures in an online petition asking banks and other institutions to serve all citizens, and not discriminate against the oldest and most vulnerable members. In Spain, the number of bank branches had shrunk to about 20,000 in 19 years since the bailout of 2012 and with the Coronavirus pandemic another 3000 branches closed in 2 years. "They are excluding those of us who have trouble using the internet." In February 2022, Spanish banks signed a protocol at the Ministry of Economy (Spain) pledging to offer better customer services to senior citizens, for example by "extending again their branch opening hours, giving priority to older people to access counters and simplifying the interface of their apps and web pages".

With online banking, race discrimination is even less likely to be pinpointed, because of intransparent decision-making by algorithms.

Online banking requires robust, stable and affordable access to broadband services. However, there is evidence that not everyone has equal access in a given country and community, which has been called digital divide. In March 2022, the U.S. Federal Communications Commission formed a task force to prevent digital discrimination.

Disability and poverty

From Wikipedia, the free encyclopedia

The world's poor are significantly more likely to have or incur a disability within their lifetime compared to more financially privileged populations. The rate of disability within impoverished nations is notably higher than that found in more developed countries. Since the early 2010s there has been growing research in support of an association between disability and poverty and of a cycle by which poverty and disability are mutually reinforcing. Physical, cognitive, mental, emotional, sensory, or developmental impairments independently or in tandem with one another may increase one's likelihood of becoming impoverished, while living in poverty may increase one's potential of having or acquiring disability in some capacity.

Extent

Man with disabilities in Bangladesh

A multitude of studies have been shown to demonstrate a significant rate of disability among individuals living in poverty. The evidence on the association between disability and poverty was recently reviewed in the United Nations' first Flagship Report on Disability and Development. The association between disability and poverty has been shown to be stronger when poverty is measured multidimensionally as multiple deprivations compared to when it is measured through income or consumption expenditures. World Bank President James Wolfensohn has stated that this connection reveals a link that should be broken. He stated, "People with disabilities in developing countries are over-represented among the poorest people. They have been largely overlooked in the development agenda so far, but the recent focus on poverty reduction strategies is a unique chance to rethink and rewrite that agenda." The link between disability and development has been further stressed by Judith Heumann, the World Bank's first advisor for international disability rights, who indicated that of the 650 million people living with disabilities today eighty percent live in developing countries. Additionally, some research investigations with proved social impact are opening venues that lead to establish enabling factors to break the cycle of deprivation faced by poor people with disabilities. According to the United Kingdom Department for International Development, 10,000 individuals with disabilities die each day as a result of extreme poverty, showing that the connection between these two constructs is especially problematic and deep-seated. This connection is also present in developed countries, with the Disability Funders Network reporting that in the United States alone those with disabilities are twice as likely to live below the poverty line than those without disability.

Causes

According to the World Bank, "Persons with disabilities on average as a group experience worse socioeconomic outcomes than persons without disabilities, such as less education, worse health outcomes, less employment, and higher poverty rates." Researchers have demonstrated that these reduced outcomes may be attributed to a myriad of institutional barriers and other factors. Furthermore, the prevalence of disabilities in impoverished populations has been predicted to follow a cyclical pattern by which those who live in poverty are more likely to acquire a disability and those who have a disability are more likely to become impoverished.

The vicious circle

Experts from the United Kingdom Disabled Persons Council attribute the connection between disability and poverty to many systemic factors that promote a "vicious circle". Statistics affirm the mutually reinforcing nature of disability and low socioeconomic status, showing that people with disabilities are significantly more likely to become impoverished and people who are impoverished are significantly more likely to become disabled. Barriers presented for those with disabilities can lead individuals to be deprived of access to essential resources, such as opportunities for education and employment, thus causing them to fall into poverty. Likewise, poverty places individuals at a much greater risk of acquiring a disability due to the general lack of health care, nutrition, sanitation, and safe working conditions that the poor are subject to.

Experts assert that this cycle is perpetuated mainly by the lack of agency afforded to those living in poverty. The few options available to the poor often necessitate that these individuals put themselves in harms way, consequently resulting in an increase in the acquisition of preventable impairments. Living in poverty is also shown to decrease an individual's access to preventive health services, which results in an increase in the acquisition of potentially preventable disabilities. In a study by Oxfam, the organization found that well over half of the instances of childhood blindness and hearing impairment in Africa and Asia were considered preventable or treatable. Another estimate released by Oxfam provides further evidence of this vicious circle. They found that 100 million people who in poverty also have impairments acquired due to malnutrition and lack of proper sanitation.

Discrimination

Prejudice held against individuals with disabilities, otherwise termed ableism, is shown to be a significant detriment to the successful outcomes of persons in this population. According to one study following the lives of children with disabilities in South Africa, the children in the sample described "discrimination from other children and adults in the community as their most significant daily problem." Additional forms of discrimination may lead disability to be more salient in already marginalized populations. Women and individuals belonging to certain ethnic groups who have disabilities have been found to more greatly suffer from discrimination and endure negative outcomes. Some researchers attribute this to what they believe is a "double rejection" of girls and women who are disabled on the basis of their sex in tandem with their disability.

The stereotypes that accompany both of these attributes lead females with disabilities to be seen as particularly dependent upon others and serve to amplify the misconception of this population as burdensome. In a study done by Oxfam, the societal consequences of having a disability while belonging to an already marginalized population were highlighted, stating,

"A disabled women suffers a multiple handicap. Her chances of marriage are very slight, and she is most likely to be condemned to a twilight existence as a non-productive adjunct to the household of her birth… it is small wonder that many disabled female babies do not survive."

Additionally, women with disabilities are particularly susceptible to abuse. A 2004 UN survey in Orissa, India, found that every women with disabilities in their sample had experienced some form of physical abuse. This double discrimination is also shown to be prevalent in more industrialized nations. In the United States, for example, 72 percent of women with disabilities live below the poverty line. The intensified discrimination individuals with disabilities may face due to their sex is especially important to consider when taking into account that, according to the Organisation for Economic Co-operation and Development, women report higher incidence of disability than men. Furthermore, the connection between disability and poverty holds particular significance for the world's women, with females accounting for roughly 70 percent of all individuals living in poverty. Institutional discrimination also exists as there are policies existing in organizations that result in inequality between a disabled person and non-disabled person. Some of these organizations systematically ignore the needs of disabled people and some interfere in their lives as a means of social control.

Health care

Another reason individuals living with disabilities are often impoverished is the high medical costs associated with their needs. One study, conducted in villages in South India, demonstrated that the annual cost of treatment and equipment needed for individuals with disabilities in the area ranged from three days of income to upwards of two years' worth, with the average amount spent on essential services totaling three months worth of income. This figure does not take into account the unpaid work of caregivers who must provide assistance after these procedures and the opportunity costs leading to a loss of income during injury, surgery, and rehabilitation. Studies reported by medical anthropologists Benedicte Ingstad and Susan Reynolds Whyte have also shown that access to medical care is significantly impaired when one lacks mobility. They report that in addition to the direct medical costs associated with disability, the burden of transportation falls most heavily on those with disabilities. This is especially true for the rural poor whose distance from urban environments necessitates extensive movement to obtain health services. Due to these barriers, both economic and physical, it is estimated that only 2 percent of individuals with disabilities have access to adequate rehabilitation services.

The inaccessibility of health care for those living in poverty has a substantial impact on the rate of disability within this population. Individuals living in poverty face higher health risks and are often unable to obtain proper treatment, leading them to be significantly more likely to acquire a disability within their lifetime. Financial barriers are not the only obstacles those living in poverty are confronted with. Research shows that matters of geographic inaccessibility, availability, and cultural limitations all provide substantial impediments to the acquisition of proper care for the populations of developing countries. Sex-specific ailments are particularly harmful for women living in poverty. The World Health Organization estimates that each year 20 million women acquire disabilities due to complications during pregnancy and childbirth that could be significantly mitigated with proper pre-natal, childbirth, and post-natal medical care.

Institutional barriers

Researchers assert that institutional barriers play a substantial role in the incidence of poverty in those with disabilities.

Accessibility

The accessibility of the physical environment may be a large determinant in one's ability to access ladders of success or even basic sustenance. Professor of urban planning Rob Imrie concluded that most spaces contain surmountable physical barriers that unintentionally create an "apartheid by design", whereby individuals with disabilities are excluded from areas because of the inaccessible layout of these spaces. This "apartheid" has been seen by some, such as the United Kingdom Disabled Persons Council, as especially concerning with regard to public transportation, education and health facilities, and perhaps most relevantly places of employment. Physical barriers are also commonly found in the home, with those in poverty more likely to occupy tighter spaces inaccessible to wheelchairs. Beyond physical accessibility, other potential excluding agents include a lack of braille, sign language and shortage of audio tape availability for those who are blind and deaf.

Education

The roots of unemployment are speculated to begin with discrimination at an early age. UNESCO reported in 1995 that 98 percent of children with disabilities in developing countries are denied access to formal education. This statistic is even more jarring for women with disabilities, with the United Nations Development Program reporting that the global literacy rate for this population is a mere 1 percent. This may be attributed to the fact that, according to the World Health Organization, boys with disabilities are significantly more likely to receive an education than similarly abled girls. Beyond simply the skills obtained, experts such as former World Bank advisor Judith Heumann speculate that the societal value of education and the inability of schools to accommodate special needs children substantially contributes to the discrimination of these individuals. The deprivation of education to individuals with special needs may not be solely an issue of discrimination, but an issue of resources. Children with disabilities often require special education resources and teaching practices largely unavailable in developing countries.

Employment

Some sociologists have found a number of barriers to employment for individuals with disabilities. These may be seen in employer discrimination, architectural barriers within the workplace, pervasive negative attitudes regarding skill, and the adverse reactions of customers. According to sociologist Edward Hall, "More disabled people are unemployed, in lower status occupations, on low earnings, or out of the labour market altogether, than non-disabled people." The International Labour Organization estimates that roughly 386 million of the world's working age population have some form of disability, however, up to eighty percent of these employable individuals with disabilities are unable to find work. Statistics show that individuals with disabilities in both industrialized and developing countries are generally unable to obtain formal work. In India, only 100,000 of the country's 70 million individuals with disabilities are employed. In the United States, 14.3 of a projected 48.9 million people with disabilities were employed, with two-thirds of those unemployed reporting that they were unable to find work. Similarly in Belgium, only 30 percent of persons with disabilities were able to find gainful employment. In the United Kingdom, 45 percent of adults with disabilities were found to live below the poverty line. Reliable data on the rate of unemployment for persons with disabilities has yet to be determined in most developing countries.

Sociologists Colin Barnes and Geof Mercer demonstrated that this exclusion of persons with disabilities from the paid labor market is a primary reason why the majority of this population experiences far greater levels of poverty and are more reliant on the financial support of others. In addition to the economic gains associated with employment, researchers have shown that participation in the formal economic sector reduces discrimination of persons with disabilities. One anthropologist who chronicled the lives of persons with disabilities in Botswana noted that individuals who were able to find formal employment "will usually obtain a position in society equal to that of non-disabled citizens." Because the formal workplace is such a social space, the exclusion of individuals with disabilities from this realm is seen by some sociologists to be a significant impediment to social inclusion and equality.

Equity in employment has been strategized by some, such as sociologists Esther Wilder and William Walters, to depend on heightened awareness of current barriers, wider use of assistive technologies that can make workplaces and tasks more accessible, more accommodating job development, and most importantly deconstructing discrimination.

Creating inclusive employment that better facilitates the participation of individuals with disabilities is demonstrated to have a significantly positive impact on not only the lives of these individuals, but also the economies of nations who implement such measures. The International Labour Organization estimates that the current exclusion of employable individuals with disabilities is costing countries possible gains of 1 to 7 percent of their GDP.

Implications

The relationship between disability and poverty is seen by many to be especially problematic given that it places those with the greatest needs in a position where they have access to the fewest resources. Researchers from the United nations and the Yale School of Public Health refer to the link between disability and poverty as a manifestation of a self-fulfilling prophecy where the assumption that this population is a drain of resources leads society to deny them access to avenues of success. Such exclusion of individuals on the basis of their disability in turn denies them the opportunity to make meaningful contributions that disprove these stereotypes. Oxfam asserts that this negative cycle is largely due to a gross underestimation of the potential held by individuals with disabilities and a lack of awareness of the possibilities that each person may hold if the proper resources were present.

The early onset of preventable deaths has been demonstrated as a significant consequence of disability for those living in poverty. Researchers show that families who lack adequate economic agency are unable to care for children with special medical needs, resulting in preventable deaths. In times of economic hardship studies show families may divert resources from children with disabilities because investing in their livelihood is often perceived as an investment caretakers cannot afford to make. Benedicte Ingstad, an anthropologist who studied families with a member with disabilities, asserted that what some may consider neglect of individuals with disabilities "was mainly a reflection of the general hardship that the household was living under." A study conducted by Oxfam found that the rejection of a child with disabilities was not uncommon in areas of extreme poverty. The report went on to show that neglect of children with disabilities was far from a deliberate choice, but rather a consequence of a lack of essential resources. The study also demonstrated that services necessary to the well-being of these children "are seized upon" when they are made available. The organization thus concludes that if families had the capacity to care for disabled children they would do so willingly, but often the inability to access crucial resources bars them from administering proper care.

Current initiatives

Initiatives on the local, national, and transnational levels addressing the connection between poverty and disability are exceedingly rare. According to the UN, only 45 countries throughout the world have anti-discrimination and other disability-specific laws. Additionally, experts point to the Western world as a demonstration that the association between poverty and disability is not naturally dissolved through the development process. Instead, a conscious effort toward inclusive development is seen by theorists, such as Disability Policy expert Mark Priestley, as essential in the remediation process.

Disability rights advocate James Charlton asserts that it is crucial to better incorporate the voices of individuals with disabilities into the decision-making process. His literature on disability rights made popular the slogan, "Nothing about us without us", evidencing the need to ensure those most affected by policy have an equitable hand in its creation. This need for agency is an issue particularly salient for disabled people who are often negatively stereotyped as dependent upon others. Furthermore, many who are part of the disability rights movement argue that there is too little emphasis on aid designed to eliminate the physical and social barriers those with disabilities face. The movement asserts that unless these obstacles are rectified, the connection between disability and poverty will persist.

Employment is seen as a critical agent in reducing stigma and increasing capacity in the lives of individuals with disabilities. The lack of opportunities currently available is shown to perpetuate the vicious cycle, causing individuals with disabilities to fall into poverty. To address these concerns many recent initiatives have begun to develop more inclusive employment structures. One example of this is the Ntiro Project for Supported and Inclusive Employment. Located in South Africa, the project aims to eliminate the segragationist models prevalent in the country through coordinated efforts between districts, NGOs, and community organizations. The model stresses education and pairs individuals with intellectual disabilities with mentors until they have developed the skills necessary to perform their roles independently. The program then matches individuals with local employers. This gradualist model ensures that people who may have been deprived of the resources necessary to acquire essential skills are able to build their expertise and enter the workforce.

The United Nations has been at the forefront of initiating legislation that aims to deter the current toll disabilities take on individuals in society, especially those in poverty. In 1982 the UN published the World Programme of Action Concerning Disabled Persons, which explicitly states "Particular efforts should be made to integrate the disabled in the development process and that effective measures for prevention, rehabilitation and equalization of opportunities are therefore essential." This doctrine set stage for the UN Decade of the Disabled Person from 1983 to 1992, where, at its close, the General Assembly adopted the Standard Rules of the Equalization of Opportunities for Persons with Disabilities. The Standard Rules encourages states to remove social, cultural, economic, educational, and political barriers that bar individuals with disabilities from participating equally in society. Proponents claim that these movements on behalf of the UN helped facilitate more inclusive development policy and brought disability rights to the forefront.

Criticisms

Critics assert that the relationship between disability and poverty may be overstated. Cultural differences in the definition of disability, bias leading to more generous estimates on behalf of researchers, and the variability in incidences that are not accounted for between countries are all speculated to be part of this mischaracterization.

These factors lead some organizations to conclude that the projection asserting 10 percent of the global population belongs to the disability community is entirely too broad. Speculation over the projection of a 10 percent disability rate has led other independent studies to collect varying results. The World Health Organization updated their estimate to 4 percent for developing countries and 7 percent for industrialized countries. USAID maintains the initial 10 percent figure, while the United Nations works off half of that rate with a projection of 5 percent. The percentage of the world's population with disabilities remains a highly contested matter. The most recent estimates on global prevalence for adults stand at about 15 percent.

The argument that development should be channeled to better the agency of individuals with disabilities has been contested on several grounds. First, critics argue that development is enacted to harness potential that most individuals in this population do not possess. Second, the case that health care costs for disabled people are simply too great to be shouldered by the government or NGOs has been made, especially with regard to emerging economies. Furthermore, there is no guarantee that investing in an individual's rehabilitation will result in substantial change in their agency. Lastly is the proposition of priorities. It is argued that most countries in need of extensive development must focus on health ails such as infant mortality, diarrhea, and malaria that are widespread killers not limited to a specific population.

Critique with respect to potential solutions has also been made. In regards to implementing change through policy, critics have noted that the weak legal standing of United Nations' documents and the lack of resources available to aid in their implementation have resulted in a struggle to achieve the goals set forth by the General Assembly. Other studies have shown that policy on a national level has not necessarily equated to marked improvements within these countries. One such example is the United States where sociologists Esther Wilder and William Walters purport that "the employment of disabled individuals has increased only marginally since the Americans with Disabilities Act was passed." The smaller than anticipated impact of the Americans with Disabilities Act and other policy-based initiatives is seen as a critical flaw in legislation. This is because many issues surrounding disability, namely employment discrimination, are generally reconciled through the legal system necessitating that individuals engage in the often expensive process of litigation.

Streaming algorithm

From Wikipedia, the free encyclopedia https://en.wikipedia.org/wiki/Streaming_algorithm ...