bluuebunny/crossref_metadata_2025 huggingface dataset:
UniCredit workplace transformation 2.0: Embracing the ‘new normal’
Authors: Bevilacqua Giovanni , Figoli Marina , Sandbiller Klaus
Published: July 2024

UniCredit was an early mover in the financial industry, introducing activity-based working at scale aiming for both cost-efficient property solutions and the introduction of new ways of working, with a particular focus on collaboration and well-being. This paper highlights how UniCredit is expanding this concept further for the post pandemic era with the aim of creating a truly hybrid workplace, blending physical and digital space, turning corporate environmental, social and governance (ESG) commitments into action and improving the employee experience. Case studies and pilots have demonstrated how large corporate organisations in the financial services industry and beyond could transform their real estate portfolio and the workplace to embrace the ‘new normal’, reconciling the ESG-driven objectives of sustainability, resilience and improved employee experience with cost efficiency.
Can universities help in bridging the skills gap in building conservation surveying?
Authors: Mclean Simon
Published: July 2024

This paper comes from the author’s deliberation over a question delivered to a RICS Conservation forum, which highlighted a skills shortage in the field of building conservation surveying. It was suggested by Brian Gowthorpe, the forum convener, that implementation of specialist conservation modules by universities might enhance conservation practice knowledge among commercial building surveyors. That raised the question of how effective a single university module might be. The conditions required for such a module to be effective are established. Enquiry-based learning, if delivered in line with current educational research, can effectively change a 48-hour duration taught module into a 12-week-long student-centred project. The latter is deemed to have greater potential effect, allowing a single module to engage a learner to attain levels of advanced skills and knowledge, with learners potentially being stimulated to continue developing beyond the 12-week period. A building conservation module delivered at a UK university to predominantly undergraduate building surveyors is evaluated and, using its academic output and learner perception data, was found to be a potential model for a successful vehicle. This paper’s conclusions acknowledge this and concur with the view that university modules can have a significant impact — albeit not by itself enough to ensure future professional competency — upon the skills shortage if they are creatively delivered, using a learner-centred pedagogy.
Challenges and opportunities for business continuity within 21st-century business models
Authors: Kaye David
Published: July 2024

This paper sets out to explore the new challenges and opportunities for business continuity within 21st-century business models. It illustrates why and how businesses are changing, demanding that traditional silos of risk thinking be broken down, and business continuity management (BCM) become a central and crucial tool for the board and its risk management team. The paper also sets out to explain an important need for traditional organisational barriers to be lowered among the risk community. As in all business change, there are drivers for that change. By exploring and understanding these drivers, it will be possible to fully appreciate why business continuity itself is changing, and why it must change further if it is to satisfy the needs and trust of its own stakeholders. That understanding will also help to forecast the challenges and opportunities for risk and continuity professionals that will evolve in years to come. It will also encourage some organisations to rethink how BCM is best skilled and positioned within their management structures.
Applying knowledge management to enterprise risk management: Is there any value in using KM for ERM?
Authors: Rodriguez Eduardo , Edwards John S.
Published: July 2024

In many organisations, there is no clear relationship between risk management and the practice of knowledge management. By adopting knowledge management processes, organisations can improve enterprise-wide implementation of risk management. This paper considers the application of processes to enterprise risk management (ERM), concentrating in the first instance on knowledge sharing. Within a cluster, the results show a possible relationship between the quality of knowledge sharing and system integration and the perceived value of ERM. In general, the relationship between the perceived value of ERM and knowledge sharing is significant but low.
Disaster recovery after Hurricane Maria in Puerto Rico: Assessment using Endsley’s three-level model of situational awareness
Authors: Naor Michael , Laor Efraim
Published: July 2024

This paper uses Endsley’s three-level model of situational awareness to analyse the challenges faced by the Federal Emergency Management Agency (FEMA) when coordinating the relief efforts in Puerto Rico after Hurricane Maria made landfall. Most obviously, obtaining data about the impacted area was highly challenging, making it much harder to comprehend the magnitude of the event. In turn, this made it difficult to know where to focus recovery efforts as the event unfolded. The situation was further exacerbated by Puerto Rico’s remote location with respect to the US mainland, and the fact that FEMA was not logistically prepared for Hurricanes Harvey, Irma and Maria to spread its resources so thin. The paper concludes that for US disaster responses to be successful, all levels of government and the private sector should pool resources in a complementary manner in order to streamline supply chain and inventory management practices.
Preparing euro payments for the future: A blueprint for a digital euro
Authors: Wagner Eric , Bruggink Diederik , Benevelli Alessia
Published: July 2024

In its 2020 report on a digital euro, the European Central Bank (ECB) created a starting point for a broader dialogue on the topic. The initiative behind the digital euro, supported by the European Commission, draws on best practices and promising approaches, but is also predicated upon the idea that electronic identity schemes and central bank digital currencies (CBDCs) should be developed in concert. This paper discusses the ECB’s report, before examining other global CBDC initiatives and then proposing a possible blueprint for a digital euro. The paper argues that if the key parties continue to combine their expertise, Europe will not only have a world-class blueprint for a digital euro, but also a template for the creation of a future digital world currency based on European design principles.
Lover of discounts, unicorns and tacos: Progressive's Flo in social media
Authors: Leonhardt James M. , Cruz Ryan E.
Published: July 2024

Flo, ‘lover of discounts, unicorns and tacos’, is a pioneering example of how brand characters can be leveraged to build a brand's presence in social media. At times, Flo has been the most popular brand character on Facebook and has helped to reinvigorate Progressive Insurance's once-stalled marketing efforts. Originally developed for traditional media, Progressive brought Flo to social media as part of its dual-presence strategy. This strategy involved the development of complementary, yet unique, digital footprints for its brand and its brand character, Flo, across popular social media platforms such as Facebook and Twitter. In recounting this approach, this paper provides needed insights for brands considering the application of brand characters in social media.
Urban regeneration through arts and culture: The case of a multicultural neighbourhood in a medium-sized Italian city
Authors: Rizzi Paolo , Dioli Ilaria , Graziano Paola , Bradbee Cheryl
Published: July 2024

While urban regeneration through cultural events and institutions is now an accepted practice in many cities, the debate on the cycle of culture-led policies (aims, process, outcomes, evaluations) has become more and more intense. The purpose of this work is to analyse the impact of culture-led policies on urban regeneration processes, through the analysis of Piacenza’s Quartiere Roma case study. The paper is divided in two parts: the first concerns a brief overview of the theory of culture as an instrument of urban regeneration where arts can play the role of a driving force. Literature on urban studies and empirical cases demonstrate that culture-led policies can trigger successful regeneration processes. In particular the most relevant outcomes consist not only in image change but also in social cohesion and resident community engagement. The second part focuses on Piacenza’s Quartiere Roma case study. From 2008 to 2010 the Agenzia Quartiere Roma was established to provoke regeneration in a low-income neighbourhood in Piacenza (Italy) mainly through cultural actions and integrated programmes. Over three years, events and other activities were organised by the agency to improve the quality of life and address the perception of insecurity in the community. The agency identified culture and the arts as the main force to challenge the problems of the neighbourhood. In particular the programme enabled new shop openings by young artists. Partnerships were established and some actions succeeded in rebuilding a new neighbourhood identity in terms of reduction of insecurity and social exclusion particularly through the main project called MUSA (Street Art Urban Movement).
Measuring the value of mobile advertising in driving business outcomes: Empirical data from Coca-Cola, AT&T;, MasterCard and Walmart
Authors: Bakopoulos Vassilis , Stuart Greg , Briggs Rex
Published: July 2024

Mobile adoption is causing a big transformation in consumer behaviour, yet there is still very limited evidence about the value of mobile as a marketing channel. This paper summarises the findings from a series of cross-marketing effectiveness studies that were initiated by the Mobile Marketing Association. Using an approach that leverages individual-level data and regression analysis, these studies aim to quantify the value of mobile in the mix and provide insights about the specific value of mobile formats such as banners, audio, video and native, as well as targeting methods including location targeting.
Credit ratings as indicators of implicit government support for global systemically important banks
Authors: Araten Michel
Published: July 2024

This paper examines the assertion that ratings from the ratings agencies that explicitly assume governmental support for global systemically important banks (G-SIBs) translate into lower spreads and a funding cost advantage for those G-SIBs. By comparing market implied ratings to issuer ratings, the paper analyses whether the market over the past 14 years in fact has priced US bank holding company bonds, credit default swaps and equity based on issuer ratings that assume such support. It was observed for G-SIBs that market implied ratings are two to three notches more conservative than issuer ratings. In comparison, it was found that for non-G-SIBs that the market implied ratings are closer to the issuer ratings. Noted also was that the market implied ratings for G-SIBs track the standalone, unsupported ratings more closely than they do the ratings that have built-in implicit government support and thus it is concluded that market data discounts the notion of government support for G-SIBs.
Is algorithmic credit scoring a ‘high risk’?
Authors: Milkau Udo
Published: July 2024

Current proposals of European regulations — the EU Artificial Intelligence Act and the UK pro-innovation approach to regulating artificial intelligence (AI) — either define credit scoring as a ‘high-risk’ application or mention credit scoring in the context of issues of ‘fairness’. Therefore, the question of whether algorithmic credit scoring is a ‘high risk’ might be a rhetorical one. Banks and lenders, however, have to comply with these proposed (and probably upcoming) regulations and explain that the current (and future) algorithms are compliant. This paper will use the — existing and indisputable — ‘gender pay gap’ together with a toy model of credit scoring based on income alone to discuss the regulatory requirements and the potential statistical methods to prove compliance. Although these regulations are triggered by the developments of ‘artificial intelligence’, all such tolls are nothing more than ‘statistical classifier’ and can be discussed — in a nutshell and with many simplifications — using this toy model. A closer examination of the statistical concepts reveals that simple correlations alone (eg a test of whether any outcome is independent of a sensitive parameter ‘gender’) cannot provide any answer about any ‘perpetuation of historical patterns of discrimination’ or any ‘fairness’. It requires advanced statistical methods (based on the concepts of mitigation and causality) to show that credit scoring is fully gender agnostic and, consequently, poses no risk to fundamental rights, as long as similar economic situations generally result in similar outcomes (score value or credit approvals). This argument, however, requires an understanding of advanced statistical approaches, and common misunderstandings can expose lenders to reputational risk. While banks and lenders have to use such advanced approaches to prove compliance, they have, in parallel, to communicate the underlying causality to the stakeholders in an understandable manner.
Public will: What story is your campus equipped to tell?
Authors: John Rebecca
Published: July 2024

Effective public relations and reputation management calls on colleges and universities to focus on action before messaging. This requires establishing a clear sense of what the institution stands for and will act on. As importantly, it requires that communication professionals have a means for determining which issues their institutions should respond to publicly in order to authentically engage in those topics and avoid empty claims. This paper provides real-life examples for how one college was able to establish a clear stance on issues core to its mission, move from reactive to intentional issues management and demonstrate its commitments through action. The paper illustrates the impact of proactively addressing potentially negative issues before they become public and frankly addresses the fact that any public statement will attract both positive and negative responses. Cases highlighted in the paper also show the importance of acting with both empathy and competence in response to sensitive issues – one or the other, alone, is insufficient. Finally, the paper includes a ‘public will’ framework to guide communications professionals through the decision process regarding how to respond to emerging topics. Also included are current event examples to demonstrate how the framework is used in guiding effective reputation management strategies.
Transforming uncertainty into opportunity: Coexistence of ISO 15022 and 20022 messaging standards
Authors: Retzer Daniel E.
Published: July 2024

New business opportunities are born from uncertainty. Uncertainty in business may be attributed to market disruption, social or geopolitical unrest, or even groundbreaking technological shifts. It may also be a by-product of a changing competitive landscape, where firms merge and divest, expand and collapse, or re-invent themselves. But people run businesses, and people are naturally predisposed to avoid uncertainty. We seek resolution and direction — a plan or path that demonstrates success or fulfilment. Uncertainty challenges the supposition that success is assured, and this is what makes the coexistence of ISO 15022 and ISO 20022 messaging standards difficult for our industry. But it is uncertainty that favours the entrepreneur and the agile innovator, because uncertainty includes endless paths and possibilities that translate into opportunity and potential for those firms that leverage disruption in order to innovate.
How technology is advancing capital planning
Authors: Blackmore Derek
Published: July 2024

This paper examines the shortcomings of current capital planning methods, most notably the facilities condition assessment (FCA). The FCA as we know it today does not provide the data and other deliverables needed for effective capital planning; however, new technologies are changing that. This paper describes key ways technology is already and will continue to accentuate the FCA and capital planning processes.
Data governance: The path to a data-driven culture
Authors: Burton Stephanie
Published: July 2024

Companies have invested time, money and resources into expanding the depth and breadth of data available to them. However, most organisations struggle to use their data in their decision making. In order to enjoy a return on their investments, organisations need to create a data-driven culture. A data-driven culture is proven to improve customer acquisition, retention and profitability. The gap between having the data and using the data lies in data governance. This paper walks readers through four pillars of data governance. By breaking down each pillar into six key focus areas, readers can better understand how each pillar helps to create a data-driven culture.
Developing a successful content strategy with a small team and budget
Authors: Karol Kristofer , Schimizzi Marco
Published: July 2024

Leading a small marketing team and budget can be difficult, but with a little creativity, strategy and resourcefulness, you can still see some impressive results. In the summer of 2021, the small marketing team at the Michigan State University College of Nursing created its ‘Neighborhood Nurses' series to spotlight students and alumni practising in their hometowns. Despite occurring during an ongoing, worldwide pandemic, the campaign, which shared why these nurses chose to go back to their hometowns to practise, significantly increased web traffic to the college website, generated nearly a quarter of a million reach on paid social, injected positivity during a trying time for those in the healthcare industry and helped the university's government relations team meet one of its goals. The multi-channel content marketing strategy featured written stories, videos, graphics, photo galleries, webpages and more over the course of a seven-week campaign, which ran through the summer and up until the beginning of the autumn admissions cycle and focused both on the subjects and their hometowns. All of this was done on a budget of roughly US$5,500 and a team of 2.5 marketing-communications employees. This paper analyses the result, which was that the marketing team was able to embark on future campaigns and even saw an increase in marketing budget and team size due to its successes and senior leadership's new, larger goals.
The mystery of the missing metadata (or the importance of preserving embedded metadata in an imaging workflow): Part 1
Authors: Riecks David
Published: July 2024

Ensuring metadata work in a changing digital landscape is important if people hope to see any return on investment. As born-digital content continues to grow, the cost to manage this content grows as well. This paper focuses on the use of both old and new forms of International Press Telecommunications Council and other XMP metadata embedded in digital photographs to make them findable in a digital asset management system. This first instalment explains why metadata are important and should be preserved throughout an imaging workflow. The second instalment covers methods and tools for testing images at pain points within the workflow.
General wrong-way risk and stress calibration of exposure
Authors: Pykhtin Michael
Published: July 2024

A conceptually sound method of incorporating general wrong-way risk (WWR) into the asymptotic single risk factor (ASRF) framework that underlies Basel capital rules is shown in the first part of this paper. An algorithm is presented that converts the unconditional distribution of netting-set-level exposure generated by an arbitrary Monte Carlo simulation process to an exposure at default (EAD) measure that consistently incorporates general WWR under the ASRF framework. The conversion is done at a counterparty level via a simple closed-form function of a single parameter that controls the strength of general WWR. The second part of the paper analyses the Basel III requirement that, in addition to normal calibration, banks’ credit exposure models must be calibrated to a period of stress. Basel III justified the introduction of stress calibration by the need for capturing general WWR. However, it is argued that stress calibration of exposure does not address general WWR adequately. Simple examples are used to show that EADs obtained with stress calibration for a benign period will severely overstate not only the EAD seen in that benign period, but also the EAD seen in the stressed period.
Enforcing the right to be forgotten as a human right
Authors: Alabi Saheed
Published: July 2024

This paper examines the application of the right to be forgotten as a human right by analysing the provisions of the GDPR, the jurisprudence of the Court of Justice of the European Union (CJEU) and the European Court of Human Rights (ECtHR). Furthermore, the implication of Brexit as a result of the United Kingdom exiting the European Union in the context of the application of the GDPR is analysed generally.
How exercises help US communities meet the challenge of climate change: The FEMA National Exercise Division’s innovative exercise tools and resources
Authors: Nation Nicole , Welker Catherine , Stolz Jessica , French Melissa
Published: July 2024

The US Federal Emergency Management Agency (FEMA) National Exercise Division (NED) leads the nation in validating the capabilities of the whole community in support of the National Preparedness System. In response to the increased threat of climate change, the NED has developed new resources to help communities increase preparedness for severe weather and natural disasters in the long term. This paper provides an overview of two such resources to help communities identify and prepare for climate-related events: the Long-Term Community Resilience Exercise Resource Guide (ERG) and the Climate Adaptation Exercise Series (CAES). These resources help communities develop and conduct exercises to increase their climate literacy, develop climate adaptation and mitigation plans, and leverage data on future climate conditions to inform decision-making. Exercises provide an opportunity for communities to build resilience by discussing and better understanding climate change and to plan for, adapt to, and mitigate the associated risks and hazards. The ERG provides guidance, tools and resources, and the CAES provides a consistent framework that FEMA regions can tailor to address unique, region-specific climate concerns. The results collected from these exercises, in turn, identify strengths to leverage and areas to improve, informing plans of action for a path forward for the next 20, 30 and 50 years.
Digital transformation and cities: How COVID-19 has boosted a new evolution of urban spaces
Authors: Buonocore Maria Nicola , Martino Mattia De , Ferro Chiara
Published: July 2024

According to UN-Habitat, in 2020 there were 1,934 metropolises around the world, representing approximately 60 per cent of the world’s urban population. In 2020, 2.5bn people lived in metropolises, which is equivalent to one-third of the global population. Due to their structure and function, this typology of city has become central in tackling key urban challenges in recent years. Thanks to information communications technology (ICT), artificial intelligence (AI), quantum computing and big data analysis, they have demonstrated great flexibility in policymaking and innovation, rethinking their functions and spaces, and enhancing resilience and sustainability in order to provide better services in more efficient ways. Fifteen-minute cities, investment in algorithms for public mobility, conversion of abandoned areas into green spaces, are only some of the solutions adopted around the world in both developed and developing countries. The COVID-19 pandemic has accelerated digital processes, allowing for a reconsideration of urban environments, movement, and existence through the employment of new technologies and solutions. Therefore, the major goals of this research are to: 1) review the literature on the influence of ICTs on urban areas; 2) analyse the research on the impact of the COVID-19 pandemic on cities; and 3) analyse new policies and resolutions on urban and city planning.
Choosing a designated survivor
Authors: Halsne Julia
Published: July 2024

The East Bay Municipal Utility District provides drinking water to 1.4 million customers and treats wastewater for 685,000 customers on the east side of San Francisco Bay in Northern California. The district’s products and services are vital for public health, fire protection, economic development and quality of life. The district’s award-winning business continuity programme is considered a model for the water and wastewater industry. This article discusses how the district approaches succession planning — the process of identifying and developing designated individuals who can replace critical roles in leadership or critical positions when those staff members become unavailable for any reason — with particular respect to the elected board of directors.
Rebuilding financial industry infrastructure
Authors: Grody Allan D.
Published: July 2024

Setting proprietary standards for elemental data components of financial transactions, once the province of market participants and intermediaries, their sovereign regulators, and software and data vendors, has evolved into a global open source standards requirement. Global data standards initiatives are now seeking to eliminate unnecessary infrastructure costs and risks arising from use of proprietary data and interoperability standards and processes. Data standards have taken on new meaning and urgency as they have also become a prerequisite to securing financial networks from cyberattacks and enabling new technologies of the digital age. A new generation of innovation led by distributed ledger technology (DLT), a supportive database technology of the Blockchain, is being actively pursued by financial institutions and their financial market utilities. It is also of interest to many financial market regulators who are requesting access to more granular standardised transactional data. It has tremendous potential to eliminate reconciliation processes at financial institutions and refocus many of the hundreds of data intermediaries and financial market utilities that play a significant role in reconciling risk prone and costly non-standard data. This paper argues that the components of a sustainable financial industry infrastructure rebuild are coming into existence, but uncoordinated efforts across the globe will stifle the effectiveness of these changes. Therefore, this paper proposes a new global industry/ government partnership to coordinate implementation of data identification standards, accelerate data harmonisation initiatives and sponsor a secure financial-sector DLT protocol standard.
As programmatic advertising becomes the new normal, how can advertisers create greater consumer engagement and publishers ensure greater return?
Authors: Bishop Tony
Published: July 2024

According to eMarketer, the vast majority of US digital display advertising dollars (82 per cent) will ‘flow through programmatic pipes’ by 2018.1 In the UK, meanwhile, programmatically traded adverts will account for more than 75 per cent of all digital display advertising spending by the end of 2017. The ability for marketers to increase the efficiency of their marketing efforts instead of a spray and pray approach to mass advert purchasing is going to help the industry. Consumers will be less likely to block adverts if they believe they are valuable to them. In addition, businesses can increase engagement and acquisition cost efficiencies. The marriage of real-time data to drive contextual relevance and deliver instantly tailored messaging is forcing innovation in the advertising technology marketing space and brands need to be on top of this to ensure their advertising is embraced-not rejected-by consumers.
Measuring the intangibles of workplace performance
Authors: Pogue Janet
Published: July 2024

Innovation, financial performance, and employee engagements are today's key measures of business performance. Measuring this intangible data and understanding how work has changed can inform new workplace strategies. Corporate real estate executives, designers and facility managers need to understand how to identify and measure performance metrics in order to align workplace and real estate strategies with business goals. Organisational effectiveness and innovation often begin with an individual. Understanding how individuals work and what types of space support both individual and team effectiveness is crucial in driving organisational productivity. This paper will highlight some results of Gensler's research over the last five years and share various tools and metrics that can be used to understand the crucial role workplace design plays in business performance and organisational effectiveness.
Protecting patient confidentiality in the Internet of Medical Things through confidential computing
Authors: Searle Richard , Gururaj Prabhanjan
Published: July 2024

The Internet of Medical Things (IoMT) provides a network of distributed devices that generate a wealth of data for clinicians and medical researchers. The global COVID-19 pandemic has demonstrated the benefits that IoMT data has brought about for remote medical services and clinical diagnosis. While the security of remote IoMT devices is an established area of concern, enforcing the privacy of the data that they both generate and process requires a data-first approach to network design. How can a distributed IoMT network simultaneously ensure the integrity of distributed devices and maintain the privacy and confidentiality of protected healthcare information (PHI)? In this positioning paper, we outline the issues that must be addressed by manufacturers of IoMT devices and those responsible for the system architectures that process gathered healthcare and contextual data. We consider how the nascent technology of confidential computing addresses the dual requirements of systemic security and data confidentiality, and we provide a conceptual architecture based on current developments within the field. Our analysis of the practical considerations associated with IoMT deployment reveals a fundamental requirement for a data-first approach to security that is governed by patient consent and zero-trust principles.
How should companies respond to complaints? Measuring satisfaction among Generation Z online shoppers
Authors: Lim Young Joon , Lemanski Jennifer
Published: July 2024

When responding to a customer complaint, companies can choose between five response strategies, namely: apology, excuse, justification, denial and no response. This study proposes a conceptual model for measuring a customer’s satisfaction with how their complaint is handled. Based on a survey of over 300 college students, the study finds that following a service failure, Generation Z consumers value apologies over any other response strategy. These findings serve as a reminder to external communication managers and strategic communicators not to ignore the traditional crisis communication strategy of apology when communicating with Generation Z consumers.
Break clause update
Authors: Laurie Ian
Published: July 2024

Landlord and tenant matters are possibly one of the most litigious areas of contract law in the UK, with break clause operations being particularly fought over, and there have been numerous cases involving break clauses over the past few years. Given the continued political and economic uncertainty surrounding the UK’s decision to leave the European Union, break clauses are once again at the top of many landlords’ and tenants’ agendas. This paper reviews some of the key case law that has arisen since the original paper published in 2012, and in particular within the last year. It discusses cases concerning what constitutes vacant possession, as opposed to abandonment, and how seemingly minor infractions can result in failure of the break operation. Among other items, the paper looks at how partitioning left within one office, which the tenant claimed was an alteration, was in fact held to be tenant’s chattels.
Managing peacekeeping communications
Authors: Griffin Ged
Published: July 2024

The emergency deployment of military and policing personnel to Timor-Leste in May 2006 provides a number of lessons that can help guide agency responses to an emergency. This paper focuses on the role of the Australian Federal Police during this period and the way in which communications supported the operational response. This experience has shown that communications provide the foundation for all command, control and coordination efforts within and across response agencies. Based on this experience, it is recommended that agencies review their existing investment in communications and develop a communications plan for all emergency responses.
Building strategic value with your medical group
Authors: Goldberg David , Miller David W.
Published: July 2024

Despite massive investments by health systems in employed physician networks, these networks are often poorly aligned with the health system. At their worst, they operate as a loose conglomeration of practices, with suboptimal quality, financial and operational performance. This paper discusses Mon Health, a growing five-hospital system in West Virginia, and the development of its transformation plan. That effort first addressed the development of a vision of how the physician network would evolve to meet the mutual objectives of the stakeholders and the demands of the market, defined jointly by physicians and executives. The resulting roadmap further addressed issues like quality, provider well-being, strategic growth and physician leadership. The organisation ensured employed physicians would be integrated into the organisation’s leadership and operations, through vehicles like the physician leadership council and dyad leadership of services. Tactics include engaging physicians in service line leadership dyads and advisory board roles, building a shared vision for evolution, defining behavioural expectations for a common culture, and building the management infrastructure to drive these initiatives. The paper also addresses early performance improvements facilitated by this initiative. Ultimately, we will provide a road map for developing a transformation plan to build an accountable, multi-specialty group.
Creating a safe and dry basement by overcoming the conflict between waterproofing and gas proofing
Authors: Coates Rebecca
Published: July 2024

Basement living and working is frequent in the UK, with barely a week going past without mention in the press of planning applications for a ‘superbasement’ or ‘billionaire’s bunker’. All basements are at risk of containing high levels of radon, the naturally occurring radioactive gas, regardless of their geographic location. Since 1999, designers and contractors have been steered towards the use of internally fitted cavity drain membrane systems for basement waterproofing. Such systems are based on air gap technology, however, and are not appropriate for gas proofing, rather they may inadvertently increase radon concentrations in the property. This paper explores the conflict between best practice waterproofing and effective gas proofing, and a process that was developed to solve the dilemma, along with case studies of successful installations.
Jay-Z thrusts SEC subpoena enforcement into the spotlight: A look at recent trends and considerations
Authors: Nathan Daniel , Wredberg Nicole , Heidepriem-Baird William
Published: July 2024

The staff of the Securities and Exchange Commission’s (SEC) Division of Enforcement use subpoena enforcement actions to obtain the information they deem necessary to an investigation when the recipient of an investigative subpoena fails to respond. The SEC announces such actions in order to deter others who might consider non-compliance as well as to show the public that the SEC is vigilant about asserting its authority. But the SEC does not always enforce subpoenas in instances of non-compliance and when it does, it does not always announce subpoena enforcement actions; indeed, in the past it rarely did. A good example of these actions is in the SEC’s public announcement in 2018 of a subpoena enforcement action against the rapper Jay-Z, which appears to have obtained the desired effect of compliance with the subpoena, as well as, given the fame of the subject, giving broad coverage of the SEC’s willingness to enforce its subpoenas. This paper explores recent trends in the issuance and enforcement of SEC subpoenas, including the increase in enforcement action publicity, and discusses considerations when choosing between complying with a subpoena or, alternatively, risking a subpoena enforcement action.
Observing 2021–22 data breach decisions of the Irish Data Protection Commission
Authors: Daly Marie C.
Published: July 2024

The Irish Data Protection Commission (DPC) regulates many of the top global technology companies and as such its decisions have a significant impact on the companies and on the many users of their platforms. This article examines a number of recent data breach decisions of the DPC and finds them forensic, focused, reasoned and formulaic in approach. The decisions deal with key General Data Protection Regulation (GDPR) provisions, notably on requirements for data breach notification and communication with data subjects. In a change of strategy earlier this year, the DPC no longer offers guidance to controllers dealing with a breach, as was its previous practice. Decisions such as these are likely to help fill that vacuum.
Pan-European regimes: A pathway to mitigate lack of trust and complexity in insurance
Authors: Moutinho Ana Teresa , Lehtmets Andres
Published: July 2024

Over past years the insurance market has pursued a consistent and integrated approach in order to address well-known problems such as the overall complexity of insurance products, the lack of consumer confidence and, consequently, the detachment from, and reduced feeling of loyalty towards, insurers. Regulators across different sectors globally are turning to increasingly innovative approaches to disclosure and have placed greater focus on regulating product design. Yet, in the area of EU insurance services regulation, these approaches have not been implemented effectively. Most insurance products remain highly complex for average EU consumers. Hence, it is time to reflect the digital zeitgeist in EU disclosure and distribution rules, and to achieve the maximum level of consumer protection and facilitate the single market in the digital world. Consumer-centric product design, digital distribution and disclosures will help meet consumers' expectations, facilitate understanding of the financial market and support a sufficiently high and consistent level of consumer protection throughout Europe. A regulatory Pan-European regime has the potential to cut through regulatory challenges and build trust in cross-border financial services, contributing to the Capital Market Union objectives. It facilitates the use of digitalisation and provides a strong basis for supervision, which will foster trust and confidence in European citizens. European coordination will allow the EU to compete at international level, and enable European consumers to reap the benefits of the single market.
Getting on their bikes? The labour market as a driver of the residential mobility decisions of residents in deprived neighbourhoods
Authors: Hickman Paul
Published: July 2024

In recent times, interest in residential mobility in deprived neighbourhoods has grown in both the academic and policy communities in the UK. Members of both communities have argued that the labour market should be a key driver of mobility in deprived neighbourhoods, as they house a disproportionately large number of workless residents, a population group who should be willing to ‘get on their bikes’ and move to areas with greater employment opportunities. This paper provides an insight into whether they are, by drawing on data gleaned from residents living in six deprived neighbourhoods across the UK. It finds the labour market not to be an important driver of either past or anticipated mobility. Furthermore, for those residents who had ‘got on their bikes’ and moved relatively long distances to reside in their current neighbourhood, it did not appear to be a significant contributory factor behind their decision to do so.
Biometrics: Modernising customer authentication for financial services and payments
Authors: Lott David
Published: July 2024

Payments stakeholders today face significant challenges to ensure that a customer is who they say they are, rather than a fraudster who has compromised the identity credentials of a legitimate customer. The strong emergence of electronic commerce where the customer is not physically present has made this challenge even more difficult. Biometrics is the use of automated systems to recognise individuals based on their biological and behavioural characteristics. Advances in technology and the integration of sensors into consumer devices such as smartphones have allowed biometrics to become a major authentication tool for both in-person and remote financial transactions. This paper reviews the most common biometric modalities currently in use for authenticating consumers. A high-level review of the technology utilised to support the biometric capture and analysis is provided along with a discussion of the advantages and challenges to the technology. The reader should leave with a basic understanding of how various biometric modalities work and are being used to strengthen the security of the payments system.
The creation of regional partnerships for regional emergency planning
Authors: Myers Laura , Myers Larry , Grant Lorna
Published: July 2024

Regional partnerships for regional emergency planning are relationships developed between disparate emergency planning stakeholders from multiple jurisdictions and with different missions. Regional partnerships are essential for the management of limited resources and for responding to large-scale disasters that can overwhelm local resources. Emergency response planners develop these partnerships as needs develop within their own jurisdictions or in response to lessons learned from previous disaster responses. This paper discusses a model process for developing or enhancing an all-hazards regional emergency planning network to create regional collaboration and resource allocation. This model process can be adapted and customised in any community to develop partnerships between communities, public agencies, non-governmental organisations, faith-based organisations and the private sector within a region. The model process and how to use it in communities will be discussed, including a qualitative analysis of its application.
Emergency management and mass fatalities: Who owns the dead?
Authors: Crabtree Jim
Published: July 2024

Mass fatality incidents are always unexpected and put a sudden stress on local response agencies to cooperate and share resources to accomplish tasks that are outside their normal activities. Lines of legal authority are often conflicting when two or more agencies are statutorily in charge. Within the USA, the local coroner system is almost universally delegated as responsible for all involved tasks including body recovery, yet the coroner is almost always the smallest responding agency, with the smallest labour pool from which to draw and the least experience of formal Incident Command System (ICS) procedures at large incidents. This paper explores the many tasks required following a mass fatality incident and the necessity for pre-event written agreements to be negotiated between local, state and federal agencies to ensure that material and personnel can be readily shared and reimbursed without bureaucratic misunderstanding in order to accomplish known objectives. Also explored are potential National Incident Management System conflicts in applying unified command to situations where legal authority and level of commitment are not synonymous.
`Cities and Gender` by Helen Jarvis, Paula Kantor and Jonathan Clok
Authors: Nelson Suzy
Published: July 2024

Cities and Gender; edited by: Helen Jarvis, Paula Kantor and Jonathan Cloke; Reviewer: Dr Suzy Nelson. Cultural Capitals. Revaluing the Arts, Remaking Urban Spaces; Edited by: Louise Johnson; Reviewer: Peter Newman.
Using online social networks to measure consumers’ brand perception
Authors: Cutler Jennifer , Culotta Aron
Published: July 2024

The ability to measure and monitor specific dimensions of brand image has a range of useful applications in marketing, from developing competitive strategy to identifying strength and weaknesses to evaluating the effectiveness of marketing initiatives. Nevertheless, obtaining reliable measurements is an ongoing challenge for marketers. Traditional methods such as administering surveys can be expensive and biased, and are limited in scale, both in terms of the number of brands and dimensions that can be tracked, and the frequency with which the measurements can be updated. The explosion of social media in recent years has created an enormous secondary data trail that is available for analysis. However, the most common analytics approaches, such as those that rely on user-generated text, are difficult to apply due to the scarcity of relevant conversations, as well as the ambiguity, variety, and often rapid changes in linguistic terms used by consumers. This paper describes a recent advance in marketing science that makes use of brand social network connections to make highly scalable inferences about brand image. This promising new approach provides many potential advantages, including the ability to fully automate monitoring for a large number of brands over a wide range of dimensions.
Time to forget everything we learned in the past about branding? The future is the future of branding
Authors: Dahlen Micael , Karsberg John
Published: July 2024

Time and size are no longer fundamental to brand leverage, nor is a brand’s reputation and past performance. Consumer behaviour is changing rapidly as a result of the technological and economic progress of recent years, which significantly changes the playing field for brands. With the exploding number of options that is now available, consumers focus less on the past and more on the sum of their expectations about future encounters with the brand. To assess a brand’s future, potential consumers take less interest in the brand’s existing products and focus more on the non–product-related actions of the brand. Also, with the rapidly growing use of crowd-funding sites like Kickstarter and Indiegogo, consumers can, and expect to be, increasingly engaged with brands before they are even established. Branding thus becomes less a matter of selling and more a matter of inviting, less a matter of history and more a matter of the future.