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    Please provide the following: Article Critique The object of your critique is to describe how the study followed or failed to follow the criteria for good research. Speculate on which of the writer's conclusions were warranted and which were not. Please include the following topics in your critique of the selected research article:
    o study design
    o problem or objective
    o literature review
    o population sampling for study
    o measurement
    o data collection methods and analysis
    o analysis
    o limited and justifiable conclusions

    The response addresses the queries posted in 1718 words with references.


    USAA'Hides' New Technology
    Behind Face-To-Face Service
    By Sara Lepro, SourceMedia
    SAN ANTONIO-Like a mother who hides
    her child's vitamins in the cereal, USAA
    Federal Savings Bank is disguising new
    technology through old-fashioned, face-toface
    This fall, USAA began offering free
    check deposit services at nearly 30 United
    Parcel Service Inc. stores here, where
    USAA is headquartered, and San Diego.
    USAA, whose main office is its only
    branch, plans to expand the service to
    more than 1,700 UPS sites nationwide
    by spring.
    On the surface, the service resembles one
    USAA offered during much of 2006 that let
    customers send check deposits by overnight
    courier from UPS sites. The key difference
    in this year's service is that the checks never
    leave the UPS store.
    UPS employees scan the checks for
    USAA customers using the same technology
    the bank offers its customers to scan
    checks for deposit from their home com-
    When you
    deposit a
    check, it's
    money. So
    there is a
    good level of
    concern for,
    'Hey, am I going to get
    this money?'
    Gwenn Bezard
    puters or mobile phones. Though this arrangement
    would seem to add time and
    complexity to check deposits, many customers
    want that personal interaction,
    USAA said.
    "They are aware that they could do this
    themselves," but not all customers want
    to, said Jeff Easley, USAA's deposits product
    manager. "This will fulfill their [need]
    to walk up and make a deposit transaction
    with a person," he said. "We still hear
    a number of members say that's how they
    prefer to do deposits with us."
    Five years ago, USAA became the first
    customer of QuickPost, an overnight deposit
    service owned by the now defunct
    NetBank Inc. The QuickPost service was
    shut down in late 2006 after NetBank said
    it lost $3.3 million on the venture in just
    one quarter.
    Lhough the service went away, the demand
    from customers did not.
    "Most people see banks as a physical
    place," Easley said. "I see that as a need that
    hasn't changed a whole lot over the years.
    There are those who are willing to try the
    new channels, but there are still a number
    that prefer that deposit channel."
    In the two months since the in-store
    service was begun, about 400 customers
    have deposited a total of $700,000
    though UPS stores, which are independently
    owned and operated franchises of
    Mail Boxes Etc. Inc., a UPS company,
    Easley said. The self-service versions of this
    service continue to gain traction among
    customers, Easley added.
    25 Miiiion Deposits
    Since USAA's [email protected] service
    was introduced in September 2006, customers
    have deposited more than 25.6 million
    checks, totaling more than $14.4 billion.
    About 2.8 million checks, or a total of
    $1.6 billion, have been deposited through
    USAA's [email protected] service, which
    was started in August 2009.
    A segment of the bank's 7.8 million clients
    still want the ability to interact with
    someone face-to-face and to walk out of a
    store with a receipt in hand, Easley said.
    Craig Focardi, a senior research director
    at TowerGroup, said, "USAA is trying
    to offer all the services that a full-feature,
    brick-and-mortar bank would ofltr."
    The in-store deposit service underscores
    the facts that a large segment of
    the population either is not completely
    comfortable with using the technology or
    is not equipped with the tools to do so,
    Focardi said.
    "It may be lack of trust or accessibility,"
    he said. "I think it's more the fact that
    scanning devices are not ubiquitous within
    consumer households. While the majority
    of consumers have online banking and like
    it, less of them have multifunction printers
    or dedicated scanners or iPhones for check
    'Good ievei of Concern'
    Gwenn Bezard, a research director at
    Aite Group who uses remote deposit capture
    technology on his mobile phone,
    said he thinks it is a matter of many consumers'
    personal technology not being up
    to snuff. "I can tell you it's not necessarily
    working very well all the time," he said of
    mobile remote capture. "When you deposit
    a check, it's money. So there is a good level
    of concern for, 'Hey, am I going to get this
    Analysts said the service could lead to
    greater technology adoption down the line
    as people see firsthand the ease with which
    deposits can be made electronically. "I don't
    think it contradicts the broad trend toward
    new technology adoption," Bezard said.
    Editor's Note: This story originally appeared
    in American Banker, an affiliate of
    Credit Union Journal.
    Copyright of Credit Union Journal is the property of SourceMedia, Inc. and its content may not be copied or
    emailed to multiple sites or posted to a listserv without the copyright holder's express written permission.
    However, users may print, download, or email articles for individual use.

    © BrainMass Inc. brainmass.com March 4, 2021, 10:58 pm ad1c9bdddf

    Solution Preview

    The response addresses the queries posted in 1718 words with references.
    //The following paper is based on a critical review of an article- USAA 'Hides' New Technology Behind Face-To-Face Service. The paper will discuss whether the given article is following the criteria for good research or not. In the critical review of given article, the topics such as study design, problem or objective, literature review, population sampling for study, measurement, data collection methods and analysis, analysis, limited and justifiable conclusions, etc. Will be included.//

    United Services Automobile Association (USAA) is a most admired and well known financial services organization in America, and is offering various banking, investing and insurance services to the customers, who are serving or have served in the U.S. Military (Spechler, 1993). USAA is headquartered in San Antonio, Texas. Due to providing best financial services to the customers, it is listed in Fortune 500 financial services company. USAA federal saving bank is providing banking services to its customers in the best possible manner and is disguising new technology through old-fashioned, face to face service. USAA is providing the customers with an ability to deposit checks into their accounts with the help of using mobile applications.

    Study design

    The study design of the given article seems to be of descriptive type because it is including fact finding inquiries of different kinds. The purpose of this descriptive research is to describe an issue hiding of new technology behind face to face service by USAA. In this article, the author has reported what has happened in USAA and what is happening currently. This article does not have a good study design.

    Problem and objectives-

    The problem mentioned in this article was that the new technology offered by USAA in order to provide check deposit services has added time and created complexity to check deposits for the customers (Lepro, n.d.). While doing critical review of the article, it is found that the problem or objective section is not effectively covered by the author. The objective mentioned in this article is that USAA is constantly working on providing better and unique banking services to its customers.

    Literature review

    Literature review is a very important part of conducting a research and it is very important for the researcher to conduct a proper literature review. Literature review helps in understanding the views of experts about the topic of the research. Conducting a literature review is very beneficial as it comes from reliable sources. The literature review comes from an authentic source; therefore, conducting a literature review gives a valuable insight into the research topic. Moreover, literature review is also very beneficial ...

    Solution Summary

    The response addresses the queries posted in 1718 words with references.