bluuebunny/crossref_metadata_2025 huggingface dataset:
Networks among local residents and housing developments in Korea
Authors: Yun Sungjin , Kim Kabsung
Published: July 2024

Recently, the paradigm of urban development in Korea has shifted from new-town development to urban renewal. Because housing redevelopment, a type of urban renewal, is conducted by unions that consist of local residents rather than experts, knowing the origins of residents’ opinions is important. Several studies have covered the decision-making factors of local residents, but their analyses were only based on demographics or economic backgrounds. Many decisions are made through subjective situational awareness rather than objective reasoning, however, so the key factor of decision making is not ‘who s/he is’ but ‘whom s/he connects with’. In this view; this paper analyses how networks among local residents affect decision making by using social network analysis (SNA). The results indicate significant differences in decision making by location in the networks, showing the value of network approaches in housing redevelopment.
Low-balance bank accounts — Part 1: Is there a pathway towards profitability?
Authors: Porteous David
Published: July 2024

There is a business case for banks to issue basic transactional
accounts, although most individual low-balance accounts are
probably loss making for most large banks — profitability is more
likely at the level of the client segment, in which other products
cross-subsidise the overall returns from the target group. Banks’
use of agent networks for account opening and cash handling
transaction will help but not solve the conundrum of account-level
profitability. Reaching breakeven at this level will happen only as
clients move away from a cash-based world towards more digital
transactions in the future. This paper reaches these conclusions
based on cross-country evidence from five large emerging market
retail banks involved in the GAFIS project, which completed in
2014.
Underrated localism in urban regeneration: The case of Liverpool, a shrinking city
Authors: Couch Chris , Cocks Matthew
Published: July 2024

This paper considers central–local relationships in the UK’s response to processes of ‘shrinkage’ (depopulation) in its major cities during recent decades. Such policies have most frequently taken the form of urban regeneration initiatives. The paper discusses the concept of shrinking cities, and places the UK in a European and global context. It then outlines the literature that discusses the extent to which regeneration has, or has not, been associated with an increasing centralisation of power, before presenting a series of examples of institutional evolution in Liverpool over the past two decades. The paper concludes that, while many scholars argue that the UK has seen increased centralisation of urban regeneration policy, the case of Liverpool illustrates that local mobilisation has been a significant factor, and that the situation is therefore not quite as simple as often presented. In providing such illustrations, the paper aims to contribute to the understanding of central–local relations in this field of policy, as well as substantiate theoretical perspectives which point to the significance and potential contribution of local actors in the urban regeneration process. Such considerations are particularly timely following the announcement in the May 2010 Queen’s speech of the new UK Government’s plans for a localism and decentralisation bill.
Does de-identification require consent under the GDPR and English common law?
Authors: El Emam Khaled , Hintze Mike , Boardman Ruth
Published: July 2024

Data de-identification has many benefits in the context of the General Data Protection Regulation (GDPR). One of the recurring questions is whether consent is required to anonymise or de-identify data. In this paper, the authors make the case that no consent is required for anonymisation or other forms of de-identification under the GDPR, although additional conditions have to be met where special category data is anonymised. Further, under the English equitable duty of confidentiality, consent is generally not required if the de-identification is performed by the direct care team or on behalf of the direct care team; it is arguable that de-identification can also be performed by others outside of the direct care team, but less clear. The alternative would be special authorisation under section 251 of the National Health Service (NHS) Act.
Banking book collateral transformation
Authors: Shah Manan
Published: July 2024

As banks strive to find ways to increase profits against headwinds that include continued low interest rates and intensive regulation, they are compelled to look within all areas of the organisation for efficiencies that result in cost savings. Fierce competition from traditional competitors and the emergence of financial technology (Fin-Tech) in traditional banking areas are further pushing organisations to reduce costs, eliminate credit risk loses and optimise capital utilisation. For too long, commercial and corporate lending (‘banking book’) businesses have been hampered by manual processes, fragmented systems and multiple data sources. As a result, banking book lending is exposed to increased operational and credit risk and inefficient business decision making — impeding their ability to scale efficiently and therefore eroding profits. Loan collateral mitigates credit risk while also providing the opportunity to mitigate pressure on banking book performance through efficient use. To achieve these goals, however, automated and holistic collateral management operations are mandatory: to, specifically, reduce counterparty and operational risk; eliminate manual processes; improve capital efficiency and provide the accurate datasets required for capital reporting and management. Transformation to an automated and holistic banking book collateral management operation also enables the deployment of digital technologies including machine learning (artificial intelligence) and distributed ledger technology, adding further to the potential to improve risk management, operational efficiency and scalability across the banking book.
A case study of the regeneration of the St Paul’s estate, Cheltenham: Working in partnership and engaging with the community to deliver improvements in a deprived area
Authors: Taylor Amanda
Published: July 2024

The importance of working in partnership and involving residents is a key learning point of the St Paul’s regeneration scheme. This case study shows that the social and environmental aspects of a crime-ridden area can be dramatically improved by involving residents in the design process and employing innovative design solutions. Readers will learn about the objectives for improving the fortunes of one of the most deprived neighbourhoods in the country. The case study describes how these objectives were met and exceeded to provide a scheme that has been highly commended by a number of national awards. It outlines the various measures of success for the area, which has seen improvements in house values and mixed tenures, together with reductions in void numbers and crime rates. It also explores the benefits of keeping a community intact during a major regeneration process.
Behind the launch of The Clearing House’s RTP® network: An interview with Timothy Mills
Authors: Laverdure Brian , Mills Timothy
Published: July 2024

In the 1960s, improvements in telecommunications and computers sparked the first age of electronic payments in the USA, leading to the development of the Automated Clearing House network. In the decades since, increasingly rapid communications and globalised commerce pushed the industry to develop real-time payments to support the modern economy. A critical moment in the pursuit for faster payments occurred in November 2017 when The Clearing House launched the RTP® network, the country’s first real-time payment system. This interview with Tim Mills, Vice President of Business Development and Product Management at The Clearing House, recounts the origins of the RTP® network, shares insights from its first year of operation, and discusses parallels between the development of electronic payments and the race to land a man on the moon.
The impact of ‘smart content’ and metadata from creation to distribution
Authors: Burley Diane , Silver Nancy
Published: July 2024

The concept of smart content is not new – although interpretation and execution may vary. For more than a decade, it has been accepted as a means for completing customer tasks and fulfilling customer needs, and is produced by turning content into data using semantic technologies. For every piece of content, there are two audiences – internal creators looking to reuse and repurpose and engage – and external users wishing to find and discover in an information-laden world. To enable content to fill both purposes, it is important to create a thorough content model that analyses all content assets and the elements within them. By turning unstructured content into structured ‘data’, the machine can now serve the most relevant content to audiences. This paper will look at how smart content is impacting the media and entertainment industries, and discuss how enterprise marketing departments can use smart content to increase user engagement while significantly reducing overhead.
Airport building development: Towards a framework for managing building-induced wind shear and turbulence risks
Authors: Robinson David Conal , Collins Dave , Brett James , Klewicki Joseph , Murray Patrick
Published: July 2024

Low-altitude wind shear and turbulence are known to be contributing factors in up to one third of aircraft approach/landing incidents. Wind shear and turbulence effects can be exacerbated when large obstacles, such as airport buildings, are located upwind from aircraft trajectories. Therefore, it is vital that airports conduct building-induced wind shear and turbulence risk assessments before commencing new airport building developments. Airports may utilise guidelines published by the International Civil Aviation Organization (ICAO) and the Dutch National Aerospace Laboratory (NLR) to manage building-induced wind shear and turbulence hazards. These existing guidelines are derived from studies that only consider a narrow scope, however, and thus may be inappropriate at many airports, particularly when applied to building developments in close proximity to runways utilised by small general aviation aircraft. This paper reviews the existing literature and identifies areas where future research efforts should be focused, with a view towards developing a robust framework for assessing building-induced wind shear and turbulence hazards at airports. Such a framework will have implications for airport management, as it will be vital for guiding safe airport building development while simultaneously managing the risks to aviation posed by building-induced wind shear and turbulence hazards.
Singapore Sling: How coercion may cure the hangover in financial benchmark governance
Authors: O'Brien Justin
Published: July 2024

The International Organization of Securities Commissions (IOSCO) has formalised a set of principles designed to restore confidence in a range of systemically important financial benchmarks. The alacrity with which IOSCO has moved and its endorsement by the Group of 20 Finance Ministers and Central Bank Governors (G20) is notable. It is far from clear, however, whether the principles provide a basis for sustainable reform. This derives from diametrically conflicting views within IOSCO as to whether benchmarks based on hypothetical submissions can be reformed or must be replaced by systems anchored in observed transactions. As a consequence the principles paper over rather than resolve core ethical deficiencies exposed in a still metastasising scandal. The paper examines how and why the IOSCO process has privileged symbolism over substance. It then evaluates an alternative approach. The Monetary Authority of Singapore (MAS) has developed an innovative solution whereby contributing banks to the Singapore Interbank Offered Rate (Sibor) are mandated to privilege the integrity of the benchmark over individual institutional reputational or litigation risk. This regulatory re-engineering of risk management integrates rules, principles and social norms to forge restraint. The paper concludes that this holistic approach, once calibrated to the political, economic and cultural dimensions of specific markets, is more likely to embed ethical decision-making, reduce the risk of institutional corruption and achieve socially beneficial outcomes.
Descriptive, predictive and prescriptive analytics, simplified
Authors: Martinez Michael , Rodriguez Yolanda
Published: July 2024

This paper concentrates on how the FIU Foundation utilises descriptive, predictive, and prescriptive analytics to increase fundraising efforts. From utilising data techniques to establishing prescriptive analytical reports, this paper provides non-profit fundraising organisations valuable guidance on cultivating long-term, personalised relationships with constituents, securing future donations to their organisation and maintaining a sustainable culture of philanthropy.
Cultural animation and economic vitality: Identifying the links and regeneration potential through the lens of the urban street scene
Authors: Pugalis Lee
Published: July 2024

Culture, space and economy are intermeshed in complex ways. This paper reports on findings from a larger empirical research project commissioned to investigate the symbiotic relationship between culturally animated urban street scenes and economic vitality. Grounded in empirical qualitative research focusing on recent place quality enhancement schemes in the North East of England, the central aim of this paper is to make the case that everyday cultural activity and economically vibrant places can go hand in hand. The research did not seek to quantify the economic benefits of investments in the cultural animation of urban space, but interpretive analysis suggests that place quality regeneration strategies can enhance the economic performance and vitality of places. Based on the argument that cultural production of space and economic development are not, and therefore should not be viewed as, competing objectives, the paper puts forward a range of good practice pointers for policy makers and practitioners embarking on place quality enhancement schemes.
Ombudsman complaints: Prevention is better than cure
Authors: Baguley John
Published: July 2024

This article builds on ‘Ombudsman complaints: Better complaints handling’ by John Baguley, which was published in Journal of Building Survey, Appraisal & Valuation Volume 5 Number 3, and looks deeper into why we see complaints about survey products. This paper focuses on dampness, which is the single biggest issue complained about. Ombudsman Services Property is the RICS approved ombudsman scheme to handle complaints about RICS surveyors offering surveying services to domestic clients. It is also government approved to operate an ombudsman scheme for sales, lettings and managing agents.
Showdown in the camera sector: Strategies for an industry in decline
Authors: Singh Gagandeep , Walia Jasdeep Singh
Published: July 2024

The emergence of sophisticated mobile camera technology has created major disruptions for the camera industry. Indeed, incremental improvements in smartphone camera technology over the last decade have prompted a steep decline in the sale of Digital Single Lens Reflex (DSLR) cameras. This study reviews the failure of the DSLR camera industry to counter the threats posed by smartphone cameras by embracing an agile approach to business. The paper proposes a conceptual model that appraises the complex environment of the DSLR camera industry and identifies the factors disrupting existing markets. The model will help businesses in this industry to review the threats posed by the challenger industry and enable them to recognise future market opportunities.
Liberated work: Responding to the unshackling of ‘work’ from ‘place’
Authors: Preece John
Published: July 2024

The largest health crisis of our time has convincingly unshackled ‘work’ from ‘place’, but we have only seen the beginning of hybrid work solutions. In fact, our existing concept of hybrid work is simply a rudimentary stepping-stone towards a version of flexibility that is yet to be widely seen: truly liberated work. This paper seeks to explore how companies will transform their work practices to enable a liberated work environment. Knowledge workers, who are in very high demand and have suddenly become a critical customer segment for organisations, will experience no limits to their freedom of thought, behaviour or location in this new landscape. In addition, we explore how businesses can deliver a fluid workplace ecosystem, which includes a broad network of workspaces that go well beyond the binary options of working from ‘home’ or the ‘office’, and outline how every business department must contribute to creating and implementing a solution. The ramifications of this ongoing shift for corporate real estate and the broader commercial office market, which is experiencing a continuing state of flux globally, is a crucial consideration in discussions on the future of work. Delivering liberated work should be on the agenda for all organisations, large, small and government, as planning for the democratisation of work practices can ensure productivity, employee retention and improved diversity in years to come.
Redefining corporate real estate by quantifying building energy performance
Authors: Kuhnhenn Jeffrey W.
Published: July 2024

The concept of sustainability — living and creating in a way that ensures the world and its resources can be sustained in the long term — is not new. But sustainability as a fundamental part of the corporate world, and the corporate real estate world specifically, is indeed revolutionary. The trend is being spurred by numerous motivating factors including the environment, health, social responsibility and financial performance. High-efficiency buildings are becoming some of the most highly valued and viable ones on the market, due to the cost-savings offered to tenants. Owners who invest in green buildings and the energy-efficient features that define them are able to differentiate their properties in a highly competitive market, and those who go the extra step to quantify the energy savings provided by their buildings stand to benefit even more. It is crucial to understand a building's position in the corporate lease environment in order to effectively market its value among competitors. Energy Star and the American Society of Heating, Refrigerating, and Air-Conditioning Engineers’ (ASHRAE's) Building Energy Quotient (bEQ) programs are excellent tools for quantifying performance and cost-savings. By proactively measuring their buildings’ performance and marketing their value to tenants, owners and managers are taking the necessary steps to successfully compete in an increasingly green-focused corporate world.
Security lapses in airport management: The Fort Lauderdale case
Authors: Abeyratne Ruwantissa
Published: July 2024

Communications is an integral component of prudent management in the aviation industry in both safety and security. The latter has proved to be a significant concern in the context of airports, where acts of violence have been perpetrated in terminal buildings. The security risks faced by airports took a bizarre turn when, in January 2017, a mentally deranged passenger who had arrived from Alaska at Terminal 2 of Fort-Lauderdale Hollywood International Airport carried out a mass shooting at the baggage claim area, where arriving passengers were waiting for their baggage to arrive on the carousel. Five people were killed while six others were injured in the shooting. The unfortunate event could have been effectively prevented by the authorities involved by proactive management, had they looked actively for the identification of safety risks through the analysis of the airport’s activities, particularly as they had known that the perpetrator, who had a history of mental illness and depression, had declared in the security check point in Alaska that he was carrying a gun in his checked baggage. The authorities failed to advise the destination airport of this fact, which enabled the killer to clear his bag, zip it open and unleash a barrage of gunfire on the unsuspecting passengers and others in the baggage claim area. This paper examines, through the Fort Lauderdale case, air law as a management tool in airport management and advises airport managers of the compelling importance of applying real-time normal operations to identify future problems. It also establishes that the application of trends to possible scenarios would logically lead to predictive or anticipatory intelligence, which in turn would ensure prudent airport management.
Sport teams’ brands going international: The ‘Integrated Marketing Strategy on the Internationalisation in Sport’ (IMSIS)
Authors: Richelieu André
Published: July 2024

In today’s world, going global is a strong leitmotif for companies of all industries aiming at increasing their revenues and profits while strengthening their brand reputation and prestige. Sport has followed suit, since what used to be a predominantly localised event has become an attractive international experience, whether it is a major competition spread over two to four weeks or a sport game played on a single day. With a convenience sample of 46 teams (or clubs) spread across North America and Europe, the main objective of this research paper is to identify the main strategies a sport team brand could implement in order to internationalise successfully. Studying our diverse group of clubs, from an organisational, financial and cultural standpoint, has enabled us to identify five strategies, namely ‘glocalisation’, ‘storytelling’, ‘sportainment’, ‘co-branding’ and the involvement of ‘fan-actors’. Through their synergies and complementarity, these strategies epitomise a conceptual model we introduce as the ‘Integrated Marketing Strategy on the Internationalisation in Sport’ (IMSIS).
Transparency in healthcare: Where does it stand?
Authors: Bosko Tawnya , Briskin Matthew C.
Published: July 2024

In a typical free market, consumer behaviour stays true to core economic principles related to supply and demand; however, in the US healthcare industry, certain economic principles apply, which influence consumers in a unique manner. Given the complexity of healthcare pricing and consumption, consumers are often ‘left in the dark’ when dealing with the true monetary cost of receiving treatment from a healthcare provider – whether it be for preventive reasons, an illness or injury or the delivery of a newborn child. To add another layer of complexity, there are also varying levels of price elasticity, depending on the condition, which also influence consumer behaviour. In fact, healthcare in the US is the only industry in which the ‘cost of care’ from the three main stakeholders – payers, providers and patients – is almost always different. The purpose of this paper is to explain how price and quality transparency affects consumer decision-making in the healthcare setting, to provide a background on various initiatives (state/federal/third party) that have taken place (or will take place) related to transparency, and ultimately provide recommendations to healthcare leaders on steps that can be taken to succeed in an increasingly transparent environment. By understanding healthcare consumerism and decision-making, healthcare providers can better prepare for value-based care, and understand and align healthcare charges to the true cost of care with the goal of more closely aligning with key stakeholders (patients and payers).
SunTrust accelerates productive mobility: A corporate real estate story of speed in execution and driving shareholder value
Authors: Hurst Mike
Published: July 2024

Corporate real estate (CRE) business units should align their strategy more closely with key organisational goals — such as driving shareholder value — and view themselves as a key factor for the business in the revenue-generation equation. This paper presents a case study of how SunTrust's CRE function quickly made that transition, dramatically shifting priorities to improve the bank's efficiency ratio. The team accomplished this goal by reinventing the bank's workplace environment to match the needs of its employees. Previously, the focus was primarily on how to save money and occupancy expense; however, the traditional metrics of CRE, such as cost per seat or square footage per seat, while important measurement tools, did not tell the whole story. SunTrust CRE chose instead to focus on how it could partner with businesses on decisions that impact its efficiency ratio — how much the bank spends to make a dollar — which was a much better gauge of CRE's contribution to shareholder value.
Managing inflationary risk in a dollar-priced world — A key policy priority for G-20
Authors: Editorial Board Member (Anonymous)
Published: July 2024

An evolving differentiation in recovery rates across the G-20's constituent economies has resulted in an increasingly politicised fragmentation in policy coordination. The Seoul summit endorsed, for the first time, member states pursuing unilateral macro-prudential measures to manage cross-border capital flows. The implications for the control of risk are uncertain as such measures are likely to challenge the assumption that capital is cross-border fungible. This commentary reappraises the evolution in risk transmission processes which have led to a polarised G-20 endorsing unilateral regulatory policy initiatives. In addition, it presents an alternative framework whereby inflationary sensitive commodities markets might function in a multi-currency clearing system thus short-circuiting the causal relationship between a devaluing dollar and emerging economies’ inflation.
Open sesame: Lessons in password-based user authentication
Authors: Rashidi Bahman , Garg Vaibhav
Published: July 2024

The cost of unusable password policies in the wild is well documented. These costs impinge both business and security. The alternative is to move to multi-factor and risk-based authentication, which include software authenticators, hardware tokens, and biometrics. This paper provides an overview of the research in this area and concludes with guidance on how to best leverage password-based authentication. We recommend that designers should only implement efforts backed by empirical evidence, offer solutions to reduce user effort, and use compensating controls to address the underlying limitations of passwords.
Measuring the relationship between supervisory authorities and banks: An assessment of the German banking sector
Authors: Paul Stephan , Stein Stefan , Uhde Andre´
Published: July 2024

The successful implementation of a harmonised regulatory framework for the global banking system is still a long way off. This mainly results from (a) different traditions in banking regulation and supervision at the national level, (b) different national emphases on regulatory sub-goals such as efficiency or the protection and promotion of national financial markets, and (c) different institutional settings and conditions. In this context, studies on the banking industry’s assessment of supervisory processes and instruments highlight how effectively and efficiently individual nation states are implementing international frameworks such as Basel II and the Capital Requirements Directive for Europe. In November 2005, the German Government commissioned an evaluation of the supervisory processes and instruments of the country’s banking authorities, BaFin and Bundesbank. The study aimed to determine the options for further optimising supervision, reducing regulatory burden and bureaucracy, and otherwise restricting supervision. This paper presents the most important findings from the survey, analyses significant differences in assessments given by various banking groups, empirically evaluates significant drivers of banks’ overall satisfaction with banking supervision, and drafts proposals for improving banking regulation and supervision in Germany. Finally, aspects of further research are discussed.
Flooding risk and resilience for traditionally constructed solid wall buildings
Authors: Innerdale James
Published: July 2024

This paper offers advice on minimising the impact of flooding in traditionally constructed buildings and how best to implement the recovery process. The paper looks at the importance of understanding the risk, fabric performance, options for flood resilience and resistance, as well as how best to manage the event for a speedy recovery.
Voice: The future of customer experience
Authors: Morrison Gwen , Westwater Susan
Published: July 2024

Voice technology and personal voice assistants are being adopted by consumers across the globe and
becoming part of their everyday lives. As voice assistants continue to proliferate in homes, cars and
mobile phones, consumers are increasingly using voice to seek information such as news and weather,
find locations and command devices to make calls and texts. With ongoing development of new voice
platforms and applications, businesses must plan how to integrate voice into interactions with both
employees and consumers. This paper focuses on consumer adoption, how brands might improve the
customer journey with voice, and new ways of interacting with consumers as they seek information,
experience brands and, ultimately, buy products and services.
Urban regeneration through the territorialisation of social policies: Findings from the Microareas Programme in Trieste, Italy
Authors: Vidovich Lorenzo De
Published: July 2024

Urban regeneration is a process involving not only partnerships among different stakeholders but also a plethora of disciplines. In the contemporary local welfare framework, pathways of integration among different policy fields have been promoted and encouraged to address societal changes, particularly in more deprived urban areas. This paper reflects on the interplay between urban regeneration and welfare policies, dealing with the territorialisation of social policies as a key approach to establishing a local welfare framework for tackling the revitalisation of vulnerable urban areas. The paper presents a qualitative analysis of a local welfare experiment in the north-eastern Italian city of Trieste called the Microareas Programme, which aims to implement policy integration between social services and healthcare in fragile public housing. The paper highlights how social policies based on the welfare service provision of a local area can initiate a process of urban regeneration, even if it is not fully achieved. The aim of the paper is to foster a debate on the integration between welfare and urban policies in the context of regenerating fragile urban areas.
How a structured BIA aligned business continuity management with Gallaher's strategic objectives
Authors: Selden Stuart , Perks Stephen
Published: July 2024

Business continuity management is often viewed as a costly impediment to the generation of competitive advantage. This paper demonstrates how developing a risk-focused understanding of an organisation can clearly bring business continuity objectives into alignment with its strategic goals. Using Gallaher Group plc as a case study, the authors explore how a structured business impact analysis approach not only satisfied Gallaher's insurance and corporate governance needs, but also provided valuable insight, from a risk management perspective, of operational impediments to the resilience of the business. They discuss how those barriers were overcome to improve Gallaher's operational flexibility and resilience with the ultimate objective of securing the company's strategic brands.
Can a workspace ‘Be Like Mike’? Imagining workplace as a consumer product
Authors: De Plazaola Albert
Published: July 2024

Resistance by employees to return to the office is not entirely driven by reluctance or fear or commute times, but by stale and tired workspaces that historically have undelivered on the employee experience, especially for women and minorities. Employees want engaging work environments to connect and build community, yet organisations and service providers deliver painfully bland benching solutions that repel instead of magnetise. Open office models resemble high-density storage facilities with high occupancy and utilisation metrics as performance indicators — and leadership wonders why their staff wants to stay home. Employees want Jordans and we fit them with last year’s Skechers. We need to develop workspaces in the same way consumer product companies generate excitement and buzz. In other words, the new workplace needs to be more like Mike.
Climate risk and financial stability: Assessing non-performing loans in Chinese banks
Authors: Brik Hatem
Published: July 2024

Climate change poses significant challenges across various sectors, particularly within the financial realm, where the stability of banking systems is paramount. Non-performing loans (NPLs), as critical indicators of financial health, may be considerably influenced by climatic factors. This study delves into the impact of climate change on NPLs within the Chinese banking sector from 2010 to 2022, focusing on the influence of greenhouse gas (GHG) emissions. Utilising a comprehensive dataset and advanced econometric models (including panel quantile regression, sensitivity analysis and balanced panel data models), this research illuminates the intricate relationship between environmental changes and financial health. The research also discovers a significant climate change impact on NPLs, with increased GHG emissions leading to varied responses among banks. This variation reflects the different risk profiles and adaptive capacities of banks to climate-related financial risks. Banks demonstrating higher adaptability to climate change exhibit lower NPL ratios, underscoring the importance of strategic risk management and proactive adaptation in the banking sector. The research significantly advances the understanding of the financial implications of climate change and the interplay of climate variables with financial stability. It offers crucial insights for policy makers and banking institutions, emphasising the need to integrate climate risk into financial decision making and develop robust climate-resilient strategies for the banking sector's protection. In conclusion, the study enriches the discourse on the financial impacts of climate change and serves as an informative guide for stakeholders in navigating and addressing these emerging challenges. It underscores the necessity of embedding environmental considerations within banking practices to promote a resilient and sustainable financial system in the face of environmental uncertainties.
Single source multi-channel marketing at Vitra
Authors: Wesselmann Matthias
Published: July 2024

The days in which companies competed solely on products alone are long since gone. This presents providers with numerous competitive challenges: products and offerings must continue to appeal and convince, while their customer communications and marketing have become critically important — across all types of media and channels. Vitra is a Swiss family-owned furniture manufacturer that relies on an integrated global marketing and communication system enabling its digital assets to be designed, customised and individualised simply, quickly and efficiently before being distributed efficiently across all channels. In order to achieve these objectives Vitra has opted for censhare’s digital asset management (DAM) system. This paper describes the requirements and the aims of the company, the criteria of the selection process, its DAM partners and the main data of the implementation, while also quantifying the benefits for the company.
Buying into healthcare: Why the industry must learn to appeal to consumers to survive and thrive
Authors: Paz Harold L. , Knecht Daniel , Pearson Andrea , Rubin Amir Dan
Published: July 2024

This paper explores the transformative changes required to address patient needs in innovative and personalised ways. The discussion delves into innovative and personalised solutions, including digital applications, virtual visits, artificial intelligence and machine learning capabilities. The authors emphasise the importance of meeting patients where they are through state-of-the-art digital solutions and propose transforming from a traditional health system to an integrated health platform. The paper includes topics such as the recent surge in digital applications and virtual visits during the COVID-19 pandemic, as well as the potential of artificial intelligence and machine learning in helping consumers better understand and manage their own health.
Revisiting the land issue
Authors: Bowie Duncan
Published: July 2024

This paper seeks to review the critical role of land in delivering sustainable development, focusing on the supply of affordable homes. It first presents a historical overview of debates on land reform, including nationalisation of development land and betterment, before reviewing the impact of land costs on housing delivery, using London as a case study. It then considers alternative policy approaches to ensuring the most effective use of land resources and development capacity, and sets out a programme embracing planning reform, public land acquisition, disposal and taxation.
ESG as a key pillar of investment strategy
Authors: Ingebretsen Eigil
Published: July 2024

In this paper we delve into the importance of environmental, social and governance (ESG) considerations as a cornerstone in investment strategies. The discourse takes the reader through a transformative journey, from understanding key pillars that need to be addressed to truly succeed in ESG integration to setting the level of strategic ambition to incorporate it effectively into investment processes, focusing particularly on integration and management. We explore key steps in an investment process, such as strategic allocation, security selection, portfolio construction with a particular emphasis on risk assessment, stress testing and investment compliance. Specific examples are provided to elucidate how ESG considerations can be seamlessly incorporated into these critical steps to achieve fully aligned portfolios. Upon completion of the paper, readers can expect to gain a robust understanding of the ESG landscape, insights on how to integrate ESG considerations into their investment decisions and tools to future-proof their portfolios. The knowledge and skills acquired will be invaluable for asset managers, investors and other finance professionals looking to align their strategies with the emerging realities of the current investment landscape.
Making acute hospital exercises more realistic without impacting on healthcare delivery
Authors: Riley Paul W. , Dalby David J. , Turner Elizabeth A.
Published: July 2024

Exercises can suffer from a lack of realism that reduces the value of the exercise in terms of the positive experience of the participant and the possibility that outcomes are based on artificialities created by the exercise environment. It is important to minimise these so that participants actively engage and recommendations are based on robust observations. Field exercises provide the most realistic format in which to exercise but are disruptive to normal working and expensive. In a health environment, anything but the most minimal disruption to normal service would be considered unacceptable. This paper describes a possible alternative that combines different exercise formats with a simple, but well thought-out, patient simulation tool to explore the health response to two different mass casualty events. Key outcomes from these exercises are discussed to demonstrate the potential of this system when applied to the health community.
Organisational resilience: Researching the reality of New Zealand organisations
Authors: Seville Erica , Brunsdon David , Dantas Andre , Le Masurier Jason , Wilkinson Suzanne , Vargo John
Published: July 2024

This paper presents findings from a six-year research programme underway in New Zealand to develop strategies for improving the resilience of organisations to major crisis events. The research takes a systems view of organisations, recognising that there are multiple interdependencies within and between different organisations that influence their abilities to respond and recover. This means that effective resilience management for any one organisation must look beyond that single organisation and consider the resilience of other organisations on which it depends. Particular aspects of organisational resilience focused on by the research team include: how individual organisations are positioned to respond to and recover from major crises; their ability to communicate and share information in order to direct resources effectively during crises; and the legal and contractual frameworks within which they will need to operate during crisis response and recovery. None of these issues can be resolved by a single organisation acting unilaterally. Organisations are required to work together towards greater system resilience.
Rebranding John Jay College: Adapting to an evolving higher education market
Authors: Siegel Alan
Published: July 2024

Institutions of higher education face an increasingly complicated business environment today, marked by slowing enrolments, rapidly inflating tuition fees and heightened competition for enrolment on- and offline. So it is no surprise that college presidents are paying more attention to branding and marketing, often turning to unified brand identity programmes to combat these forces. An authentic ‘brand identity’ requires both the organisation and the consumer to believe in what an institution stands for, and when that is achieved a loyal relationship is formed. The recent case of the rebranding for John Jay College of Criminal Justice in New York City provides an illustrative primer explaining how to go about such efforts and what to expect from a comprehensive rebrand.
Culture training for strategic marketing : Case study of a Juneteenth block party
Authors: Williams-Sanchez Valerie L.
Published: July 2024

Juneteenth, the annual cultural celebration also known in the African American community as Emancipation Day, was made a national holiday in 2021. Today, the holiday that commemorates 19th June, 1865, the date when news of emancipation and the end of slavery finally reached enslaved peoples in the farthest reaches of America’s south-western states, is challenging companies and organisations to figure out how best to honour this shiny new and momentous holiday. And while many organisations struggle to get smart about this ‘new’ holiday, organisations that seek to understand the cultural ethos of the celebration — and their part in it — have demonstrated success. To better understand a successful campaign, this case study will examine how an event and training model with a block party theme succeeded in ‘getting Juneteenth right’ to create an informative, engaging and inspiring workplace initiative. The brand and shopper marketing agency extended the implementation of its agency-wide diversity, equity and inclusion reorientation strategy to include its Juneteenth celebration. Taking this cultureforward approach, the agency sought to educate, inform and enlist its own employees in a uniquely authentic way to build cross-cultural knowledge to strategy, creative, media and retail marketing for its list of Fortune 500 clients, including EJ Gallo, Procter & Gamble and White Castle.
Eliminating the blind spots: How to be accountable for an organisation’s overall security
Authors: Dryland Lorraine
Published: July 2024

The aim of this paper is to share my experiences of being accountable for an organisation’s overall security and the challenges I have faced. In particular, this paper focuses on being accountable for the protection of data. I found that it was impossible for me to achieve my goals given that you cannot protect what you cannot see, which is true for so many aspects of the security world. I found that to be in a position to protect data, I first needed visibility and then needed to ensure that the business was able to manage and control the data. Depending on the size of the company, it often falls to information security to drive such initiatives, as often the security technologies are able to provide this visibility and the security policies support the control and continued management. Specifically, this paper has a tight focus on building foundational capability that can support data protection, life cycle management, integrity and many of the other components needed for data management, touching on each but not in significant detail, as these topics justify papers in their own right. My hope is that if, like me, you are in the sphere of managing data, you can take some comfort that you are not alone, and that this paper has mirrored some or all of your journey, or that one or more of these insights and lessons learned are helpful in your considerations in managing your data.
Beaumont v Florala rights of light injunction case: A surveyor’s view
Authors: Cobbold Stuart
Published: July 2024

This paper explores the case of Beaumont Business Centres Limited v Florala Properties Limited [2020] EWHC 550, the first full commercial right to light trial for some years. It discusses the High Court’s findings on the right to an injunction, how light may be assessed and how compensation should be considered.
Mitigating airport terrorism tort liabilities through the US SAFETY Act
Authors: Biagini Raymond B.
Published: July 2024

The SAFETY Act 2002 is a landmark federal statute that substantially mitigates or eliminates catastrophic tort liability in lawsuits filed in the USA arising out of terrorist attacks. Such liability is real: the Port Authority of New York/New Jersey was recently found 68 per cent liable for the injuries to and death of individuals arising out of the 1993 World Trade Center bombing for failing to implement recommendations on how to lessen the impact of a terrorist attack in the World Trade Center's underground garage. SAFETY Act coverage awards and recent pronouncements by the Department of Homeland Security, which implements the SAFETY Act, signal that such protection should be available for airports and other similarly situated quasi-governmental entities. This paper examines the potential opportunity for airport authorities and owners to obtain significant tort liability protection under the SAFETY Act, to the extent they would otherwise be liable for catastrophic damages arising out of a terrorist attack.