ہر اک سے تیرے واسطے دل بیر لے گیا
پر تُو تو کاٹ کر ہی میرے پیر لے گیا
اِک رشتے کی زمین کو سینچا تھا عمر بھر
اور فصل جب پکی تو ثمر غیر لے گیا
Holy Quran is the most sacred scripture bestowed by Allah Almighty upon his bellowed prophet Muhammad (PBUH). Unlike other scriptures, Allah Almighty himself took the responsibility of safety and safe custody of the Holy Quran. That is why, despite passage of more than 1400 years, the Holy Quran remained intact, wordwise as well as meaningwise and will remain intact till the end of the world. Such a unique status of the Holy Quran could not be tolerated by the enemies of Islam and Prophet of Islam. Therefore, they decided to present Holy Quran as a defective document before its readers. For this purpose, they chose to highlight and exploit the short and abbreviated incidents, described by the Holy Quran, under the term of “Muthashalihat”, by adding and narrating false, nonsense and most astonishing stories, just to divert attention of the readers from the basic learning of Holy Quran, towards un-realistic and bogus stories. Accordingly majority of the readers have shown great interest in these stories, which fall under the title of Israiliat Unfortunately, the said stories are included in dozens of Translations Tafaseer of the Holy Quran. In order to acquaint readers of the actual status of Israiliat, the undersigned has started working on the subject. Since Tafseer-e-Jalalain is included in the Syllabus of Maddaris and being taught for the last many years, therefore, I have chosen the same in the first instance, and pray Allah Almighty to help me out in completing my assignment.
According to the emergent case of Web services in Pakistani banking sector, two types of preconditions are
investigated: technological preconditions and organizational preconditions vis-a-vis technically competent
human resource. Based on these, a set of qualitative and quantitative research methods were carried out beside
the bank direction, commercial staff and subscribed customers to technology based banking services.
The research illustrates that centralized architectures, fragmented information systems, organizational rigidity,
level of technological know-how and disregarding user's implication could be factors of slowness (or failure)
in implementing technology based banking services. E-banking has to be a delivery channel that replicates and
replaces many of the physical functions a bank currently performs. Hence, e-banking now becomes a virtual
banking counter that the individual and corporate customer to carry out the regular activities. Even e-banking
services are more electronic-based, but, it still strongly supports banking activities, therefore communication,
transaction and distribution (Peterson, Balasubramanian and Bronnenberg, 1997). There are number of
challenges that need to be faced by Pakistani banks, however, the opportunity in this industry is high due to the
current trend especially application and development of ICT.
The tremendous advances in technology and the aggressive infusion of information technology had brought in
a paradigm shift in banking operations. Internet banking that has revolutionized the banking industry world
wide has turned out to be the nucleus issue of various studies all over the world. However there has constantly
been a literature gap on the issue in Pakistan. Exploring online banking customer requirements allowed the
definitions of service criteria assuring customer satisfaction at the time of realization and so the factors
regulating the quality level of Internet banking services. Analyzing voice of the customer and building a
transformation framework bringing it into practice are the leading steps of the methodology and the most
important factors in regulating the level of quality of internet banking services.
Dove (2004) holds the opinion that failure to adapt to change in terms of skills development is professional
obsolescence. Khan (2004: Dawn) says that influx of insincere, non professional, incompetent recruitees in
banks in the aftermath of privatization badly affected the banking industry. This fact has been verified by Grip
and Zwick (2001:4) who opined in their study on "the employability of low-skilled workers in the knowledge
economy", changes in technology and occupation also spur shift in the kinds of skills needed to serve a specific
job, and any neglect to update the skills leads to professional obsolescence.
The continuous improvement in skills and knowledge in the Banks is vital and this view is supported by Grip
and Zwick (2001:4) and they state that "Both the upgrading of the skill level and the shifts in the type of
activities may deteriorate the applicability of skills the workers acquired in the past". The banks in Pakistan
are facing new challenges due to globalization of financial markets. The international banks are equipped with
modern technology, innovative products and services, skilled and knowledgeable human resource to capitalize
on the major and valued segment of the clientele. The local banking industry is directionless. It is due to lack
of required skills and knowledge the employees need to possess to perform their duties efficiently. Srivastava
(2003:68) describes about the emerging competitive environment where performance of an individual
depends upon different types of skills and knowledge and one of them is developing problem solving skills.
Sridhar (2003:31) states that genuinely identified training needs will address the issue of skills development.
Khan (2004:Dawn) proffers one significant remedy to improve the performance of banks which is
institutionalization of HRM and it entails placement of best man to best assignment, updating his/her
knowledge through refreshing courses, seminar on emerging banking and financial problems thereby heading
towards reduction in professional obsolescence.
Need-based trainings are the major tool to equip the human resource so as to make Pakistani banks sustainable
and competitive apart from other reform measures like further strengthening of Prudential Regulations,