bluuebunny/crossref_metadata_2025 huggingface dataset:
Look to the past to improve our future: Improving quality, safety and equity through community and patient engagement
Authors: Washington Knitasha V. , Goodson Kellie , Thompson Lee , Lord Tanya , Bratcher-Rasmus Brittny , Wyatt Ronald
Published: July 2024

Healthcare administrators must ensure delivery of care that is high quality, safe and produces equitable outcomes while balancing business, workforce and community needs. To meet these challenges while guiding their organisations through COVID-19 recovery, administrators can look to a strategy with a strong track record for success: engaging patients, families and communities. This paper focuses on evidence, experience and best practices for improving quality, safety and equity by engaging people, patients, families and communities. Effective patient and family engagement (PFE) and community engagement strategies draw on research and experience across a wide variety of efforts, from nationwide federal programmes such as the Centers for Medicare and Medicaid Services Partnership for Patients initiative to health system- and neighbourhood-level programmes. Research demonstrates that commitment to PFE leads to measurable improvements in quality and safety. Experience shows that engagement, when practiced with attention to diversity, equity and inclusion, can reduce health disparities. Engagement best practices include: making engagement a strategic priority, embedding patients and families with diverse perspectives into improvement efforts, supporting continuous learning by adapting engagement efforts over time, benchmarking progress and measuring disparities. To continue the advances begun before the pandemic, healthcare administrators and leaders must redouble engagement efforts and implement best practices. Administrators can meet the many challenges of the moment by returning to the proven strategy of engaging patients, families and communities to drive integrated quality, safety and equity efforts.
Delivering continued improvements and positive outcomes for patients
Authors: Okocha Chike
Published: July 2024

The publication of the next stage review report, ‘High Quality Care For All’, led by Lord Darzi, was an important milestone in England's National Health Service (NHS) as it brought into focus the need to improve the quality of care provided to patients. The report emphasised the three strands of quality: patient experience, patient safety and clinical effectiveness and resulted in boards of NHS organisations considering ways of implementing the recommendations. While governance structures and processes go a long way in delivering high-quality care, ensuring continuous improvement and positive outcomes for patients requires far more than structures and processes. This paper will share the author's experience of the journey of delivering high-quality care over time and what the author considers to be fundamental factors that organisations should focus on to get this going, recognising, of course, that it never stops. No doubt, there are people who will argue for more or other factors, but the critical ingredients are collecting and using feedback from users of services and their carers, and having engaged and motivated staff and good leadership that provides direction and the enabling environment for continuous improvement. The reader will gain a better understanding of how service users and their carers can contribute to service improvement and the co-design of services as well as benefits of staff engagement and ways to engage staff, including the role leadership plays in engaging staff, motivating them and setting direction.
Putting students at the heart of marketing efforts to enhance impact
Authors: Edwards Martyn
Published: July 2024

This paper shares practical experiences of how institutions can take an integrated approach to market research and campaign creative so as to calibrate their interventions for greater relevance and impact. During periods of heightened competition and socio-political turmoil, universities can ill afford to be homogenous in their messaging and brand positioning if they are to enjoy sustained success. This situation is made even more challenging by the fact that our typical student target audience has never known a world without widespread internet connectivity, social networks and smartphones. As a result they have an unprecedented level of access to information at their fingertips, making them highly discerning and acutely aware of brands as well as global issues. In order to ensure that they meaningfully engage with prospective students and their network of influencers, universities must differentiate their offering by being bold and distinctive in their promotional execution. This can be achieved by bringing students, parents and advisers into the marketing planning and design process, to understand what drives their needs, aspirations and ultimately behaviours. Read on to learn how Swansea University has taken such an evidence-based approach to shape their latest national student recruitment campaign collateral, digital deployment and publications.
Seizing an opportunity: Reimagining a corporate campus during the pandemic
Authors: Maggos Julie , Schmitz Stephanie , Bird Sarah
Published: July 2024

Financial services company Teachers Insurance and Annuity Association (TIAA) retained IA Interior Architects to renovate and modernise its Charlotte, North Carolina campus — a 92-acre site encompassing six office buildings, various parking facilities and nearly 1mft2 of interior space. The timing was noteworthy: IA was hired in late 2019 and presented the final strategy report to the client in March 2020 — just days before the COVID-19 pandemic shutdown. That meant having to revisit the already completed workplace strategy and conceptual plan and adjust them for a new, and very uncertain, reality. In addition to redesigning the layout and workstation configuration for social distancing protocols, the client, which had just ended a work-from-home programme rolled out a few years previously, needed to rethink its goal of bringing all 5,000 employee-associates back to campus five days a week. Pivoting again, the team had to contemplate what a new hybrid policy would look like and determine how the design and messaging could best support it. Pandemic aside, many clients face similar situations when embarking on large-scale multiyear projects in a volatile economy, or simply when business needs shift midway through a facility redesign. Additionally, many design strategies employed and challenges solved at TIAA are relevant to other organisations: accommodating changing headcounts; enticing hybrid and remote employees to the office; enabling movement and work-setting choice throughout the day; creating collaboration and small-group gathering spaces; bringing cohesion to a large campus; and future-proofing a facility to answer current work needs while artfully anticipating future ones.
Transparent communication under Article 12 of the GDPR: Advocating a standardised approach for universal understandability
Authors: Gupta Indranath , Naithani Paarth
Published: July 2024

This paper suggests the way forward for the transparency requirement under the GDPR for all data subjects in the context of two recent developments in 2021. The first was the decision of the Dutch DPA against TikTok, and the second was the release of the UK Children's Code by the ICO. The paper positions understanding of terms of use and privacy policy as an essential attribute in the overall intelligible, clear and plain language requirement under the GDPR. It indicates that a standardised approach can guarantee that data subjects understand the information data controllers share. This approach will have a script with standardised and universal tools. Such an approach would overcome the limitations of a particular language, including the variable perception of ‘privacy’ among individuals.
Calculating the effect of funding costs on OTC valuation using funding valuation adjustment
Authors: Douglas Rohan , Pugachevsky Dmitry
Published: July 2024

The implementation of new regulations, including Dodd-Frank, MiFID II, EMIR and Basel III, is significantly increasing the cost of capital and forcing banks to re-evaluate the economics of their over-the-counter (OTC) trading businesses. Market best practice implemented by the most sophisticated banks now accurately measures all the components of a trade to analyse its profitability, including credit valuation adjustment (CVA), the cost of regulatory capital (CRC) and, most recently, funding valuation adjustment (FVA). Accurately measuring these components requires taking into account the OTC trades conducted across all desks with that counterparty, along with the collateral posted or received as part of any credit support annex (CSA). This is a significant new challenge for OTC businesses that has traditionally been siloed, often with separate front office analytics and systems. As these components span multiple trading desks, there has been a trend towards central measurement and management of these components by CVA desks with various strategies for allocating the profit/loss and risk of a trade between each trading desk and the CVA desk. FVA is the latest significant innovation in this area that captures the impact of funding and liquidity on the value of a trade. This value depends on the nature of the CSA (collateralised, uncollateralised or asymmetrical) and the net collateral posted or received.
`On the Wrong Side of the Track? East London and the Post Olympics` by P. Cohen
Authors: Kochan Ben , Howland Marie
Published: July 2024

On the Wrong Side of the Track? East London and the Post Olympics; by P. Cohen; Reviewed by Ben Kochan. London 2012: How was it for us?; edited by Mark Perryman; Reviewed by Ben Kochan. From the Ground Up, Community Gardens in New York and the Politics of Spatial Transformation; by Efrat Eizenberg; Reviewed by Marie Howland.
From operational necessity to strategic advantage: Why payments are the next area of transformation in the B2B value chain
Authors: Parpou Maria , Frost Luke
Published: July 2024

Business-to-business (B2B) commerce encompasses multiple spend categories, supplier types and purchasing channels. Yet the providers of payment solutions for this commerce have been slow to innovate and evolve with client needs. Payments through automated clearing house (ACH) networks and cheques still dominate globally as the preferred payment method, despite their inherent weaknesses, and the growth of card-based payments has yet to challenge this. A number of trends across the broader B2B value chain are creating challenges for buyers and suppliers, whose payment strategy can increasingly be seen as a tool for responding to these changes and creating value. This paper explores the current B2B payments landscape, specifically in the UK, the important trends shaping the industry, and recommendations for how end clients and companies should be optimising their payments strategy accordingly.
Reshaping the corporate landscape: Navigating changes in real estate strategies
Authors: Akalin Burak
Published: July 2024

The changing corporate landscape, influenced by global events and shifting workforce dynamics, has led to a new era of workplace adaptation and innovation. The COVID-19 pandemic has catalysed a significant shift towards remote work, with a profound impact on corporate real estate (CRE). As we navigate a post-pandemic world, it is clear that the traditional office model has transformed into a more flexible and multifaceted concept. The rise of remote and hybrid work has prompted businesses to rethink their real estate strategies, resulting in a surge in office vacancies and the need for creative solutions. Companies are at a crossroads of reinventing their physical workspaces and redefining their organisational cultures to address challenges such as rising delinquency rates, employee engagement and well-being. In the current business environment, organisations are prioritising the alignment of their future of work strategies with their mission and vision. They are taking advantage of their unutilised office spaces to reduce expenses, enhance the employee experience, promote sustainability and facilitate hybrid work arrangements. This transformation, however, necessitates a re-evaluation and optimisation of their real estate utilisation and functionality to cater to the needs of their ever-changing workforce. To accomplish this, corporate real estate professionals are looking for ways to adopt crucial strategies that foster efficiency and effectiveness in the workplace. This paper delves into these strategies and provides valuable insights into their successful implementation.
The role universities and cities can play in the EU’s Green Deal
Authors: Cerutti Stefania , Boccaleri Enrico , Ferrero Enrico
Published: July 2024

Climate change and environmental degradation are an existential threat to Europe and the world. To overcome these challenges, Europe has shaped a new strategy, the European Green Deal, to help the EU’s economy become sustainable. Much of its success will be determined by European cities where around 75 per cent of the European population live, work, travel and study. This paper considers European cities and their universities, in particular their strategic role in addressing societal and environmental challenges, training the younger generation, investing in research and engaging local communities in the transformational actions urgently needed. In particular, concrete actions and steps made by the University of Piemonte Orientale (UPO) in Italy to address environmental sustainability and social responsibility are presented in this paper.
Exploring British and Finnish pre-registration nursing students’ experiences of learning emergency and acute care nursing through a collaborative online international classroom
Authors: Cunningham Sheila , Partanen Anna-Kaisa
Published: July 2024

Background: This case study describes the development and evaluation of a collaborative online international learning (COIL) nursing collaboration between Finland and UK in ‘Care of the Acutely Ill Patient’. Aim: The aim was to plan and deliver an online programme of learning experiences on a shared professional subject with mixed international students, then evaluate this learning experience with a view to expanding or extending it in future as a core element of our nursing programmes. Method: A steering group led the design format of this short course, aligning it to each university’s curriculum and professional goals. Then, a teaching team devised the learning materials and learning sessions. Finally, the steering group evaluated the course. In total there were 38 student participants (Finland n=21, UK n=17). Results: 80 per cent (n= 20) of students felt that their understanding of the subject had increased as a result of taking the course. In total 64 per cent (n=16) felt that the course had enabled them to gain skills to help their future career development. Perceptions of working in mixed international groups was diverse, with challenges of communication, time and perceptions of what constituted ‘group work’ between UK and Finnish students. Learning new nursing aspects from teachers and peers as well as sharing ideas from another country in a novel way was perceived as beneficial and overall ‘uplifting’. Conclusion: This COIL has significant strengths but also some challenges. The outcomes of this case study point to its potential and value within nursing and other professional programmes.
Creating an effective and meaningful advisory board
Authors: Latta Marcia Sloan
Published: July 2024

Advisory boards can serve as helpful resources to a department, college, or university programme if a proper framework has been established, care is given to who is recruited on the board, responsibilities are spelled out, and the organisational leader takes this responsibility seriously. This paper shows that done well, service on an advisory board can lead to the board member having a closer connection with the institution, increased giving, and many other benefits. Conversely, this paper demonstrates, a poor board experience can result in the board member’s dissatisfaction with her experience seeking less interaction and giving less monetary support than before the board service began.
Supplier optimisation life cycle: Development, implementation and ongoing evaluation
Authors: Hair-Estrella Elizabeth
Published: July 2024

In the ongoing pursuit of supply chain continuous improvement, an established platform ensures internal company efforts are being maximised, documented and repeatable. This paper will describe how two foundational documents can build standardisation throughout inventory management organisations while creating a process supporting continuous improvement. These basic documents support and create a shared information environment, reducing key person dependencies and bridging potential knowledge gaps when team members leave roles temporarily or permanently. Recommendations will include how to develop and implement: 1) supplier optimisation life cycle; and 2) buy guide, as well as recommendations on monitoring long-term success via tools; and 3) metrics/ key product indicators.
Managing adversity in a fundraising campaign
Authors: Gardner Brian
Published: July 2024

Successful higher education fundraising campaigns begin with effective planning, but they are eventually realised by effective response to adversity. Whether circumstances include a public scandal that damages institutional reputation or a decrease in morale due to stalled campaign momentum, every fundraising effort will experience its own unforeseen headwind. The advancement organisation’s capacity to respond, or its resilience, plays a key role in the eventual success of its campaign. This paper references both high-profile scandals and first-hand cases of campaign plan deviation that negatively impacted fundraising success. This paper cites core management studies and principles to illustrate appropriate organisational effectiveness to better prepare campaign planners and practitioners in the aftermath of such circumstances.
Transferring knowledge of risk management to the board of directors and executives
Authors: Rodriguez Eduardo , Edwards John S.
Published: July 2024

Enterprise risk management (ERM) and knowledge management (KM) both encompass top-down and bottom-up approaches developing and embedding risk knowledge concepts and processes in strategy, policies, risk appetite definition, the decision-making process and business processes. The capacity to transfer risk knowledge affects all stakeholders and understanding of the risk knowledge about the enterprise's value is a key requirement in order to identify protection strategies for business sustainability. There are various factors that affect this capacity for transferring and understanding. Previous work has established that there is a difference between the influence of KM variables on risk control and on the perceived value of ERM. Communication among groups appears as a significant variable in improving risk control but only as a weak factor in improving the perceived value of ERM. The ERM mandate, however, requires for its implementation a clear understanding of risk management (RM) policies, actions and results, and the use of the integral view of RM as a governance and compliance programme to support the value-driven management of the organisation. Furthermore, ERM implementation demands better capabilities for unification of the criteria of risk analysis, alignment of policies and protection guidelines across the organisation. These capabilities can be affected by risk knowledge sharing between the RM group and the board of directors and other executives in the organisation. This research presents an exploratory analysis of risk knowledge transfer variables used in risk management practice. A survey to risk management executives from 65 firms in various industries was undertaken and 108 answers were analysed. Potential relationships among the variables are investigated using descriptive statistics and multivariate statistical models. The level of understanding of risk management policies and reports by the board is related to the quality of the flow of communication in the firm and perceived level of integration of the risk policy in the business processes.
Advanced biometric technology: Reinforcing security within payment systems
Authors: Coetzee Marius
Published: July 2024

The exploitation of traditional digital access credentials — cards, PINs and passwords (CPPs) — lies at the heart of most IT-based crime. The vulnerabilities caused by CPPs are routinely exploited in all sorts of fraudulent transactions. Banks cannot rigorously govern what happens within these systems, and social media sites are also certainly exploited by cyber villains. Given the advanced state of large-scale biometric applications in physical security, it is certainly possible to integrate biometric-based authentication into systems that manage payments, as well as into consumer-facing systems, and no other biometric modality can compare with fingerprints in terms of convenience, accuracy and speed. In the past ten years, competent biometric technology has proved its operational effectiveness at organisations in South Africa. Biometric-based authentication is now regarded as a business tool that reinforces security and improves operational efficiencies by providing strict identity control.
The path to Stewtopia: Building a university-wide stewardship programme
Authors: Jones Tana , Miller Andrea L.
Published: July 2024

The University of Arizona's Alumni and Development Program evolved from a highly decentralised stewardship environment to a hybrid-based stewardship programme to create a comprehensive, university-wide stewardship programme and a centrally based stewardship team.  A cross-campus collaborative programme development team — the Stewardship Leadership Team — was established with a diverse group of frontline fundraisers, administrative leaders and unit-based staff with stewardship responsibilities. Over the course of 18 months, the Stewardship Leadership Team worked together to develop university-wide baseline donor stewardship standards and guidelines. The approach to building the programme is outlined and its outcomes.
PSD2: The digital transformation accelerator for banks
Authors: Cortet Mounaim , Rijks Tom , Nijland Shikko
Published: July 2024

The revised Payment Services Directive (PSD2) is not ‘just another regulation’ requiring a mere operational and compliance approach, but an accelerator of the already on-going change in the fabric of the — digitisation prone — financial industry. The PSD2 provisions on ‘Access to account’ for Payment Initiation and Account Information Services (‘XS2A’) will accelerate this by forcing banks to open up consumer payment accounts for appropriately licensed, innovative (bank and non-bank fintech) service providers. A pivotal element to this concept of opening up payment accounts is the development of Application Programming Interfaces (APIs) by banks. Fintech players are seeking to capitalise on the emerging API landscape and to capture customer and developer mindshare as well as payment and non-payment (data rich service) revenues long taken for granted by incumbent financial institutions. The key challenge for leaders of incumbent financial institutions is to ensure PSD2 XS2A compliance, while at the same time retaining customer relevance and maximising addressable market and revenue potential across a rich transaction services portfolio. APIs could redefine the financial services distribution game of banks. Some financial institutions see PSD2 XS2A and APIs as an opportunity to work closer with emerging fintech companies. Others see it as a threat to their business. This has led to different strategic choices for banking leaders. The authors have identified four generic strategic options (ie, Comply, Compete, Expand, and Transform), fitting the wider spectrum of leader attitudes towards PSD2 XS2A and adoption of APIs as a business strategy. All options come with strategic, tactical, and operational considerations and will be elaborated upon in this paper. Making the ‘right’ strategic decision will require banking executives to (re-)consider their future ambition, desired position in the value chain, the accompanying transaction portfolio, and impact on the operating model.
Turbo-boost success with a supercharged framework for strategic visioning
Authors: Weise Sarah , Barrow Carrie-Ann
Published: July 2024

There is an epidemic among digital marketing and user experience (UX) projects. Remarkably talented digital marketers, design thinkers and UX professionals — in an effort to power into customer research and wireframes and recommendations — are skipping a crucial first step: visioning. A carefully crafted vision is at the heart of every successful business, project, website and product. Painting a picture of the value you offer, who you serve, and what impact looks like to you is a foundational step toward designing better, faster, more meaningful experiences, while making business decisions that align with your essential values and company direction. Strategic visioning gives companies the space to brainstorm and refine goals, and articulate impact in no uncertain terms. This paper will introduce the turbo-boost visioning methodology, a new lean process for collaborative discovery. By following the step-by-step approach outlined in this paper, your team will — at lightning speed — create a unique compass to guide future business or product decisions and build experiences that stick.
Building regulatory reform in Australia
Authors: Liddy Wayne , Turner Jeremy
Published: July 2024

The regulatory landscape related to building control in Australia is complex. While there is a single performance based technical requirement in common for building work there are eight state and territory governments and the commonwealth government, each with a different legislative framework for dealing with development activities. Each has adopted some form of private participation model. In the view of AIBS, Australian government structures and policy implementation with respect to building control is not working. In September 2017, AIBS released a Policy: ‘Building Regulatory Reform in Australia’, a document describing a legislative framework, which has the capacity to deal with emergent issues such as non-conforming building products in a way that supports the benefits of private participation. This paper sets out why and how AIBS has developed its policy, the policy content and how the content interrelates to other elements of the legislative landscape. It describes the importance of elements in supporting the successful implementation of a performance based technical code and how this will support the competitiveness of Australia’s economy. It also provides the integral components for a robust building control system that supports a sustainable building industry providing better outcomes for consumers and industry.
Localism, community involvement and the social economy: What are the opportunities and challenges facing the not-for-profit sector in terms of regeneration?
Authors: Mccartney Maurice , Maliphant Andrew
Published: July 2024

This paper is an overview of the contribution of the not-private and not-public sector to regeneration. Often called the third sector, community-based organisations and ventures which have aims that benefit their local community but which don’t return financial dividends to their board of directors or trustees have been a familiar part of the regeneration landscape for some years. A common label we have learned to know is ‘social enterprise’ — a community-based organisation with a private sector-type structure that engages in commerce of different kinds. These are the key organisations that can develop a trading surplus and therefore have some ‘profit’ to dispose of, and they have been around long enough to have their own professional and membership bodies such as Social Enterprise UK,1 and their own good practice. In looking at the opportunities and challenges facing such organisations, we have identified a number of ‘Top Tips’ to support them in their regeneration activities, including: Have the right structure for your organisation; Have the right business planning approach; Have the time to bring local people and businesses in to share your initiative — and to bring their time as well.
`Urban Regeneration in the UK` by Phil Jones and James Evans
Authors: Escott Karen , Bailey Nick
Published: July 2024

Urban Regeneration in the UK; by Phil Jones and James Evans; Reviewed by Karen Escott. The Regeneration of East Manchester: A Political Analysis; by Georgina Blakeley and Brendan Evans; Reviewed by Nick Bailey.
The public, the private and the secret: Thoughts on privacy in central bank digital currencies
Authors: Ballaschk David , Paulick Jan
Published: July 2024

This paper discusses the issues surrounding privacy and anonymity in the context of central bank digital currency (CBDC). Most notably, central banks calibrating the design criteria for CBDC must strike a balance between data protection and the individual’s right to privacy on the one hand, and the prevention of financial crime on the other. In this regard, there are — from a technical and governance point of view — a number of possible solutions. By way of illustration, this paper constructs three exemplary and simplified privacy scenarios. The paper also describes the need for standards to ensure the responsible treatment of data, and clear rules guaranteeing that access is restricted to public authorities fulfilling their mandates. When it comes to protecting user privacy in a CBDC system, this paper argues that independent central banks are ideally positioned to serve as an honest broker. In this respect, gaining the public’s trust and acceptance will be a key challenge for central banks.
Digital euro issuance: A great opportunity with some risks
Authors: Esposito Leopoldo
Published: July 2024

As new digital payments technologies such as cryptocurrencies emerge, the European Union has sought to provide cohesive and coherent solutions to protect its citizens from the risks associated with such instruments. In this context, this paper discusses the role of a possible digital euro as a tool to serve citizens on the one hand, and to protect monetary sovereignty on the other. To this end, the paper examines recent progress in the domain of central bank digital currencies, and assesses the considerations and risks involved. In particular, it discusses the legislative considerations relating to the possible introduction of a digital euro, ie whether the European Union and its institutions are already endowed with the sovereignty necessary to issue a digital euro, or whether ad hoc legislative intervention is necessary to legitimise the issuance of such a new instrument. The paper then goes on to assess the risks and benefits associated with the issuance of a digital euro. Finally, it will analyse the possible forms that a digital euro could take, evaluating the pros and cons of each. The conclusions will highlight how the introduction of such a new instrument provides an opportunity to be seized and exploited.
Case study: Implementing large-scale agile working transition in the banking sector
Authors: Yendell Tim
Published: July 2024

In 2005, as part of its corporate real estate strategy and driven by a desire to realise property cost efficiencies, RBS started the process of introducing Intelligent Working, its own flavour of Agile Working, into its operations in the UK and around the world. While Agile Working had gained significant traction in technology industries over a period of 25 years, where there were positive commercial drivers and few technology barriers, its implementation within financial services has been limited. In financial services traditionally there has been an array of complexities which made introducing Agile Working more challenging and most forerunners of RBS have had limited success beyond pathfinder projects. Regulatory constraints, complex technology and information security and privacy policies are just some of the added complexities that need addressing before Agile Working can be introduced successfully. Possibly the biggest reason for a lack of traction has been the perception by some leaders that there have been no good business reasons to change. From the initial implementation of Intelligent Working which was limited to ‘in-office’ mobile working, RBS's most recent incarnation is now being adopted as a wide-ranging cultural programme embracing all varieties of working, both in and out of the office, facilitated by a true fusion between technology, human resources and real estate, which has given a real business purpose. From a standing start in 2005, well over 12,800 colleagues have adopted some form of Intelligent Working. The challenge now is to make Intelligent Working part of the culture for all RBS's global team of more than 140,000 people, and become simply ‘the way we do things here’.
Visualising data for prospect identification and donor metrics
Authors: Stabb Joseph , Marcason-Tolmie Emily
Published: July 2024

In the realm of philanthropy, effective prospect identification and donor metrics play a crucial role in fostering strong relationships with prospective donors and optimising fundraising efforts. As data-driven decision making continues to gain prominence, the importance of visualising data is evident. This academic paper explores the significance of visualisations in the context of prospect identification and donor metrics, highlighting their potential to enhance philanthropic engagement. The paper also delves into various visualisation techniques, tools and best practices that can aid non-profit organisations in leveraging data visualisation for informed decision making and successful donor stewardship.
Developments in China’s data protection and privacy regulatory regime
Authors: Langford Lilly
Published: July 2024

On 1st June, 2017, the People’s Republic of China (PRC) Cybersecurity Law (CSL) came into force and became the first comprehensive privacy and security regulation for cyberspace and data protection. The CSL represents the gradual formation of China’s new legal framework for cyber security and data protection, despite the regime being split across various legislation and industry-specific regulations (including their draft versions). In light of the rapidly evolving regulatory environment, the broad and sometimes vaguely expressed obligations imposed by the CSL have added further complexity to the system and attracted significant attention and criticism from international companies due to its unclear application, lack of protection authority, harsh penalties, risk of stolen intellectual property, and strict compliance obligations. While new judicial developments seek to gradually provide clarification of the law — as seen in the outbreak of the COVID-19 pandemic — continuous and thorough review of cybersecurity measures will place foreign entities, ‘network operators’, and ‘critical information infrastructure operators’ in a position to effectively manage unprecedented, paradigm-shifting compliance obligations and risks. This paper outlines China’s data protection and privacy regulatory framework, provides a thorough analysis on important provisions of the CSL, and comments on recent legislative changes. Further, this paper will engage in an in-depth discussion on compliance procedures for best practice, compare the CSL with the European General Data Protection Regulation (GDPR), and analyse the impact of the coronavirus disease 2019 (COVID-19) pandemic on PRC data privacy legislation.
Artificial intelligence in a privacy-concerned world: Automated decision-making and the GDPR
Authors: Mougdir Senna
Published: July 2024

When we think of artificial intelligence (AI), most of us think of robots and machines that have yet to be invented. AI is, however, all around us and has been for a while now. AI makes our everyday lives easier but has a downside, such as massive data processing (Big Data). The General Data Protection Regulation (GDPR) that came into force on 25th May, 2018, regulates the protection of personal data of individuals within the European Union member states. While innovation is important to our society, it is also important that organisations using AI technologies and Big Data comply with the GDPR to ensure that privacy and data are protected. This paper focuses on the relation between AI, automated decision-making by using machine learning and the GDPR. It describes the risks of automated decision-making in the context of data protection and the rights of data subjects. Finally, it will give recommendations that could be useful for organisations using automated decision-making.
Building resilience: Getting the supply chain back on track through uncertain times
Authors: Kuppuswami Viswanathan
Published: July 2024

The Oxford English Dictionary defines resilience as the ability to recover and bounce back after significantly pressing life events with long-lasting impact. The past three years have been among the most turbulent since the Great Depression of the 1900s. But in a more connected world, where socioeconomic conditions are co-dependent on a global supply chain, the way companies look at disruptions has to be different. Come what may, supply chains must be well oiled to keep the intricately connected cogs of the global machinery running. And for that organisations must be prepared to anticipate and tackle issues that come their way or seek out opportunities that make them less vulnerable to supply chain upsets. In other words, they must work on being more resilient than ever before. This paper takes a deep dive into how continuous global adversity has affected organisations and their supply chains and how they can learn from these events to be prepared yet agile for the way ahead.
Challenging the belief that all US Hispanics are culturally homogeneous: An AHAA and AARP cultural orientation and generational study
Authors: Cortés-Vázquez Lorraine , Montenegro Xenia P. , Willoth Scott , Santiago Carlos , Beniflah Dr Jake
Published: July 2024

Hispanic marketing has grown significantly over the last 30 years in large part because corporations have applied an effective cross-cultural marketing framework. Popularised by M. Isabel Valdés, the In-Culture Marketing™ methodology1 posits that: (1) culture influences the attitudes, thoughts and behaviours of consumers; and (2) marketing effectiveness is optimised when the marketing mix accounts for the cultural orientation of US Hispanics. This methodology continues to be the gold standard in Hispanic marketing today and is the basis for a multi-billion dollar industry. Marketing to Hispanics has almost exclusively been based on the use of the Spanish language and Hispanic cultural insights. It is contended that this is an oversimplification. This paper proposes that the Hispanic consumer is culturally diverse and constantly evolving, and suggests that leading organisations will need to better understand the changing cultural orientation of the US Hispanic consumer to be successful, as more companies are looking to this segment of the population for growth.
Airport privatisation in Japan: Unleashing air transport liberalisation?
Authors: Miyoshi Chikage
Published: July 2024

In 2013 the Japanese government established policy to reform the ownership and management structure of all Japanese government-owned airports in a bid to reduce its large financial burden by involving private entities. However, several constraints and structural issues in Japan’s air transport market affect the outcome of this process. This paper discusses the opportunities and challenges for a liberalised air transport market in Japan.
What do consumers want from next generation banking, and how will challenger and established banks provide it?
Authors: Letts Alex
Published: July 2024

This paper outlines the origin of the retail banking model and its evolution, suggesting a disruptive change to suit modern consumers. It observes the significant barriers faced by traditional banks in responding to the opportunity for creative innovation to their business model. Bank account profitability remains dependent on hidden fees, penalty charges and consumer mistakes, too often penalising those least able to afford the consequences. The paper highlights legacy technology, operational footprint and attitudinal resistance as being insurmountable barriers to reinvention for the scale operators, but also questions whether the challengers of the past decade have ever really addressed the vulnerability of the big banks other than from a pricing and efficiency improvement perspective. It notes the chance for greater attention to business model change by the new digital challengers, warning that sticking to the current model of retail banking within a digital wrapper is unlikely to be a winning strategy. In particular, it observes the ways to look to change the business model by use of flexible, servicesbased FinTech platforms to provide both a better, more personalised customer experience and a new and fairer way of charging for core current account services. The paper suggests a future where the major banks become wholesale focused, leaving consumer interface to more attuned and collaborative new challengers. Readers can expect to get a deeper understanding of the reasons the retail banking industry has the commercial model that exists today, and what can be done to deliver a more imaginative, fairer and more transparent model, fit for the 21st Century.
The Single Supervisory Mechanism: Ready to take over banking supervision in the euro area?
Authors: Dietz Thomas M.
Published: July 2024

With the establishment of the Single Supervisory Mechanism (SSM), the euro area member states have committed themselves to transferring a considerable part of their national sovereignty with regard to banking supervision to the European Central Bank (ECB). This will have a large impact on the future role of national supervisory authorities, the supervised euro area cross-border banks and, last but not least, the ECB itself. Given the ECB's rather limited experience in the day-to-day supervision of credit institutions at the time the SSM Regulation was adopted, and considering different approaches between monetary policy and banking supervision in terms of transparency and banking industry involvement, at first sight one might be tempted to compare the ECB taking up direct banking supervision in November 2014 with a learner driver. The ECB, however, will not substitute for the supervisory work of the national competent authorities, but is intended to act as a complement to it. Moreover, the legal framework under which the SSM will operate, the envisaged organisation of day-to-day supervision, the swift facilitation of the recruitment of qualified personnel and the first experiences with public consultations do alleviate concerns that the ECB might not be able to do its job with the necessary degree of efficiency, transparency and accountability. The (lack of) incentives for non-euro area member countries to join the SSM and the comprehensive assessment, a preparatory exercise to avoid taking over legacy assets from banks supervised directly by the ECB from November 2014, have been highlighted already in this journal and are consequently not part of this paper (see Dietz, T. (2014) ‘Comment on the Single Supervisory Mechanism’, Journal of Risk Management in Financial Institutions, Vol. 7, No. 3, pp. 220–225). This paper, rather, concentrates on the concrete details of the ECB's future supervisory work and its implications for the national supervisory authorities and the institutions affected.
OTP bots and crypto: A tactic to disrupt
Authors: Spaeth Kristen
Published: July 2024

One-time password (OTP) bots are a form of crimeware-as-a-service that is being used to bypass two-factor authentication (2FA) on victim accounts. The bots are operated through Telegram and are sold at various price points in exchange for cryptocurrency. The bot operators facilitate a false phone call to victims, impersonating their financial institution, to obtain their OTP to commit an account takeover. Account takeovers facilitated by this type of social engineering are an enormous threat to financial institutions due to the inability to identify the attack without secondary corroboration. This paper illustrates the typical workflow of an OTP bot, avenues of institutional platform investigation and detection, as well as potential mitigation options to combat OTP bot attacks.
Creating a culture of accountability in patient access
Authors: Consolver Patti , Phillips Scott
Published: July 2024

Texas Health Resources (THR), a 14-hospital system in north central Texas, has taken steps over a number of years to standardise best practices and improve outcomes across its Patient Access organisation. To support this effort, revenue cycle leaders implemented a process to capture patient encounters for monitoring against the system's strategic objectives for patient experience, financial performance, quality and compliance. Each encounter is captured and tied to the patient account for a digital audit trail of information exchanged across the continuum. A central point of access facilitates secure sharing of data, reducing rework and back-and-forth between entities in search of patient information. In this article, system directors of Patient Access will share how THR is documenting the revenue cycle experience from the initial scheduling call to the in-person visit at admission. Readers will consider a process to combine voice data with fax and electronic records for a comprehensive view of the patient's path from pre-service to registration and beyond. The article will share strategies for establishing accountability by monitoring and scoring patient encounters against key measures, tracking individual and team performance across the revenue cycle. Readers will take away tools and metrics needed to support the process, as well as evaluate outcomes achieved in patient experience, compliance and financial performance.
The importance of domain knowledge for successful and robust predictive modelling
Authors: Ahlemeyer-Stubbe Andrea , Müller Agnes
Published: July 2024

Domain knowledge helps to build more precise and robust predictive models and thus obtain better insights. In the course of preparatory work, it helps inform what questions to ask, define the key fields to examine more closely, and identify where and how the insights from the analysis can support business goals. As this paper will discuss, it is also of great benefit when it comes to selecting or reducing variables, supplementing missing data, handling outliers or applying specific binning techniques. This paper argues that data scientists cannot rely on technical knowledge alone; rather, they must acquire relevant domain knowledge and familiarise themselves with pertinent rules of thumb. The paper also highlights the importance of maintaining close contact with the people who collect and prepare the data.
Developing a conceptual framework for assessing the socio-economic benefits of regeneration projects in the UK
Authors: Akotia Julius , Opoku Alex , Fortune Chris , Egbu Charles
Published: July 2024

Recent decades have witnessed the evolution of building assessment methods for appraising the sustainability performance of building projects. In the UK for instance, the Government has initiated a number of assessment/evaluation methods to deal with some of the environmental problems associated with regeneration programmes. But attempts aimed at implementing sustainability assessment primarily have been limited to the environmental impact of buildings, with the socio-economic aspects often neglected. The findings of an exploratory case study on a housing regeneration project, which adopted a combination of literature review and focus-group interview approach with eight key stakeholders for data collection in the UK, are presented in this paper. The emergent framework developed and presented in hierarchical order in this paper incorporates project level and wider community socio-economic sustainability indicators.