bluuebunny/crossref_metadata_2025 huggingface dataset:
Coordination or competition: Obstacles and success factors for integrated partnerships at local level
Authors: Hopkins Liza , Meredyth Denise
Published: July 2024

Governments are committed to the establishment of partnerships with community as a new mechanism for renewal in inner urban areas. A current research and community development project taking place in Melbourne was conceived as a means of establishing a partnership between local government, state government and not-for-profit agencies by developing a Lifelong Learning Hub as part of a public housing redevelopment project. While the existing service providers initially welcomed the idea of the hub, its establishment proved problematic. The cooperative nature of a partnership to provide improved services conflicted with the competitive nature of the existing services and the policy climate under which the regeneration project was established.
CECL and IFRS9 expected credit loss estimation in uncertain economic environments
Authors: Sobehart Jorge R.
Published: July 2024

This paper introduces a multiple-scenario expected credit loss framework for capturing uncertainty in economic environments. The framework leverages default likelihood and severity information and their relation to economic activity and provides a more robust approach to the estimation of portfolio losses during periods of significant market uncertainty.
Beyond traditional art: Strategies for the preservation of digital art
Authors: Cowick Carmen
Published: July 2024

The growing number of digital works of art created today represents an exciting development in the world of contemporary art but it is not without its challenges for museums and archival organisations. When it comes to the discussion of preservation, few preservation standards for physical objects are also applicable to digital objects. In many respects, digital objects are far more complex and it would be inappropriate to apply traditional documentation and preservation methods to most forms of digital art. Instead, institutions need to develop alternative approaches to the preservation of digital art. They must move beyond the traditional art world with its physical objects and preservation techniques and redefine preservation to include a definition that is meaningful to digital art. It is imperative to understand that effective preservation is more than simply maintaining the digital file; technical information about the files must also be preserved, in addition to information explaining the scope and contents of the file. This paper examines different projects and the different approaches to the preservation of digital art taken by members of the artistic, academic and museum communities.
Right to be forgotten in case of search engines: Emerging trends in India as compared to the EU
Authors: Gupta Indranath , Naithani Paarth
Published: July 2024

In India, the right to be forgotten (RTBF) is relatively new and has been discussed in different courts. A timely discussion concerning RTBF in India is necessary as several judgments are beginning to shape its dimensions. Further, India is considering enacting comprehensive data protection legislation. Comparing the developments in India to the rich and long-standing jurisprudence on RTBF in the European Union (EU) can help shape the discourse in India. RTBF has been established and exercised in the EU for almost a decade. In fact, the EU has had a right to erasure since 1995. Thus, this paper examines how India and the EU have handled RTBF. The paper considers a data fiduciary in India (or a data controller in the EU), namely search engines. The paper compares India with the EU and suggests the way ahead for RTBF in India. It reflects on the fact that the implementation of RTBF would depend on the nature of data fiduciaries and their services.
The Brazilian payment market and its specifics: An interview with Ralf Germer
Authors: Germer Ralf , Bruggink Diederik
Published: July 2024

Brazil, with its almost 204 million inhabitants, is the world’s fifth most populated country and also number five in terms of geographical size. It has the seventh largest economy in the world, with 40 million middle-income class consumers and 120 million internet users; there are only four bigger country markets in the world, and Portuguese is the fifth commonest language on the internet. Brazil has a modern banking sector, online and mobile banking is widely used, and banks are present even in the most remote areas of the country. But there are still 55 million unbanked Brazilians, which is 40 per cent of the adult population. Overall, Brazil has a very high rate of electronic payments usage in relation to cash, which is expected to reach 32 per cent in 2015. International businesses usually start monetising their e-commerce traffic from Brazil by processing credit cards from overseas. What they typically get are awful decline rates of up to 75 per cent. The main cause for that is the fact that around 70 per cent of all credit cards issued in Brazil, even Visa or MasterCard labelled, are limited to local payments in Brazilian real. Because of currency restrictions imposed by the Brazilian legislation, international card acquirers cannot process these. Apart from that, other local payment methods, such as Boleto Bancário, local debit cards and online banking transfer, account for close to half of all online transactions. In this interview, Ralf Germer, CEO of PagBrasil, explains why, by teaming up with PagBrasil, international merchants can overcome these hurdles.
A generalised latent Poisson factor modelling approach for default correlations in credit portfolios
Authors: Saidane Mohamed
Published: July 2024

Default risk is one of the major concerns for lending institutions and banking regulators. This paper focuses on the analysis of default data, using a new approach based on generalised latent Poisson factor models. In this case, the correlation structure of the default events is driven by a small number of common latent factors. Conditional to these factors, the defaults become independent and each default sequence is fitted to a generalised linear model with Poisson response and log-link function. This model provides a flexible framework for the computation of the value-at-risk and the expected shortfall of a credit portfolio. The practical implementation of the proposed local Fisher scoring estimation algorithm is illustrated by a Monte Carlo simulation study. Then, a real scenario, with default data taken from a large database provided by Standard & Poor's, is used to analyse the empirical behaviours of the different risk measures. The achieved results show promising performance.
Lufthansa New Workspace — a change project: A case study
Authors: Reichart Bettina
Published: July 2024

Lufthansa New Workspace (NWS) is a concept that changes the working culture as well as the working environment in the Lufthansa Group. The project was developed in-house and began in 2013 with a test run in the Lufthansa Aviation Center (LAC) in Frankfurt (German headquarters). Following its success, the whole LAC was rolled out to 2,500 people by the end of 2016, and subsequently three more Lufthansa subsidiaries have adopted the new concept. Long term, the New Workspace will be the preferred workplace concept within the Lufthansa Group worldwide. This is a case study from the human resources (HR) viewpoint.
Repair work and the Party Wall Act: Who decides what is notifiable?
Authors: Ghasemi Peyman
Published: July 2024

Undertaking repairs to party walls, party fence walls and, in certain situations, other forms of party structures such as a floor separating different occupancies, is a fact of daily life. However, does it mean that every time an owner decides to undertake some repairs to a party structure they are obliged to serve a notice upon a neighbour under the Party Wall Act? If not, who decides what is notifiable and what is not, and what factors influence the decision as to whether repairs become notifiable or simply routine operations? The following paper aims to clarify this common but somewhat perplexing issue, which is seemingly innocuous in most instances but periodically can be mischievous.
What is in the black box: The ethical implications of algorithms and transparency in the age of the GDPR
Authors: Mougdir Senna
Published: July 2024

Algorithms silently construct our lives. They can determine whether someone is hired or promoted, provide loans or housing, and decide which political advertisements and news articles consumers see. The General Data Protection Regulation (GDPR) which came into force on 25th May, 2018 regulates the protection of personal data of individuals within the European Union (EU) member states. While innovation is important to our society, it is also important that organisations using artificial intelligence technologies and big data comply with the GDPR to ensure our privacy and data is protected. The ethical implications and responsibility of the algorithm in these important decisions are, however, unclear. Algorithms are important participants in ethical decision making and influence the delegation of roles and responsibilities in these decisions. This paper focuses on the bias in algorithms and determines whether developers are responsible for the algorithms they use in the future, what these organisations are responsible for, and the normative basis of this responsibility. Finally, it will give recommendations that could be useful for organisations using algorithms in automated decision making.
Happiest place(s) on Earth? Investigating the differences (and impact) of fandom and rivalry among fans of sport and Disney’s Theme Parks
Authors: Havard Cody T. , Wann Daniel L. , Greive Frederick G. , Collins Brian
Published: July 2024

The present study investigated differences in the way fans experience rivalry in sport and popular culture, specifically, Disney Theme Park fandom. The results showed that fans of a sport team identified more with their favourite team and were more negative towards their rival team than were fans of Disney’s Theme Parks towards Disney and Universal (rival theme park of interest). Further, analysis showed that being a fan of both a sport team and Disney’s Theme Parks resulted in more positive perceptions and behaviours towards the rival in both the sport and theme park setting. Implications for practitioners are discussed, along with future areas of inquiry.
Exploring African Americans’ perceptions of electronic personal health records
Authors: Sanders Tamara D.
Published: July 2024

Statistics from the Centers for Disease Control and Prevention show that African Americans experience a higher death rate due to chronic diseases compared with White Americans. The purpose of this qualitative, exploratory, single-case study was to explore how African Americans perceive electronic personal health records (ePHRs) and thereby improve the ePHR adoption rate. Fifteen participants were selected for this study through purposive criterion and snowball sampling. Semi-structured interviews were used to collect data from two groups of participants. The first group comprised people who worked in the healthcare industry, and the second, people who worked outside the healthcare industry. NVivo 12 Plus was used to analyse the data and formulate the themes for this study. A majority of the participants were concerned about the security of ePHRs. Participants indicated that ease of use was important. Finally, some participants believed that they did not need to use ePHRs. The study may help healthcare management professionals address the problem of low ePHR adoption rates among African Americans in the United States and improve the security of ePHRs.
How the digital sales professional will change marketing’s customer intelligence
Authors: Robinson Peter , Guerra Elissa
Published: July 2024

Leading-edge personalisation companies like Amazon and
Netflix pioneered the use of collaborative filtering to convert
customer similarities into powerful predictors of interests. Many
organisations followed suit, and big data arose in part with this
objective in mind. Yet sales organisations have lagged in this
area, with limited experimentation with statistically-based
optimisation solutions. More importantly, sales and marketing
organisations have largely failed to unify their customer data to
make this possible. However, change is in the making. As sales
organisations adopt intelligent mobile solutions in their
engagements with customers, the opportunity to track
receptiveness at a granular level is bringing a volume of
preference data to the enterprise, similar to how marketing data
exploded with the advent of the internet. This paper addresses
how intelligent mobile applications have created the digital
sales professional, and how this is changing companies’ abilities
to share customer data throughout their organisations. This is
enabling an optimal and consistent approach by sales and
marketing organisations, and a much improved experience for the
customer.
An airport approach to digital transformation
Authors: Dussart Aymeric
Published: July 2024

The complexity of the airport business and its logistical environment is a well-known feature of our industry. This complexity often translates into significant technological needs within a highly available, stable and resilient information technology (IT) operational framework. The financial and human resources devoted to the IT function in airports, however, are not always comparable to those of equal complexity in other industries making it challenging to deploy digital transformation programmes. Consequently, it is necessary for airport IT functions to adopt a set of strategies that allow them to navigate the thin line of a large number of critical systems to be operated while respecting the limited resources offered by the relatively small size of the organisations that exploit these tools. This paper discusses such strategies that have been put in place at Montreal-Trudeau International Airport (YUL) in order to have winning conditions for a successful digital transformation.
International property marketdriven regeneration: A challenge to sustainable urban development?
Authors: Trillo Claudia
Published: July 2024

In Europe, urban regeneration still represents the principal mode in which urban transformation and development happen. The sustainable urban development (SUD) paradigm is based on the holistic concept of sustainability, stemming from the three pillars of environmental, social and economic sustainability. The complexity and multitude of factors affecting contemporary cities, however, challenges the adequacy of this paradigm with respect to the raising issues of identity and place ownership in a globalised world. Where significant international capitals flows become drivers for urban regeneration, it can be difficult to assess whether or not urban regeneration is really yet sustainable. Some key areas of European cities might be influenced by international property developers and management companies, with a potential impact on the decision-making process at local and even national level. Could selling the most valuable estate investments to foreign investors influence the sense of ownership of local communities? Could it undermine urban democracy? After having explored the above-mentioned issues through the literature, the paper proceeds towards its discussion through a concrete example. In particular, insights are drawn from the case study of Salford, a growing city in the heart of the ‘Northern Powerhouse’ UK city region. The paper finally suggests that: 1) the socio-economic impact of urban regeneration cannot be restricted to the mere capacity of the mechanism to rebalance inequalities, but it has to keep in account the wider investment process behind the financial input in itself; 2) a comprehensive assessment framework for sustainable urban regeneration should take into account the interconnections between local economic and international financial flows, estimating how the investment structure influences the long-term socio-economic sustainability of the investment; and 3) a variety of instruments and tools, supporting the non-profit and public actors’ participation, might help to rebalance an excess in speculative promotion.
An interdisciplinary assessment model for supporting decision making in urban regeneration plans: A case study of the Maspero Triangle, Cairo City, Egypt
Authors: Magdi Shaimaa A.
Published: July 2024

Urban regeneration plays a key role in achieving urban sustainability at several levels via multidisciplinary activities. Regeneration plans in Egypt have policy and investment devoted to them, but they often fail to create sustainable urban environments that can meet community needs. Stakeholders and financiers involved in regeneration should consider the social sustainability angle to a far greater degree. The aim of this paper is to close the gap between regeneration top-down planning policies and the bottom-up initiatives of community associations through an interdisciplinary assessment model. This model combines different evaluation tools and provides a decision support system framework that can improve the quality and transparency of decisions in regeneration plans. This paper provides a theoretical background which clarifies the problem, outlines the objectives and explains the fundamental scientific terms of research variables for better understanding the complexity of regeneration processes. It conducts multiple quantitative assessment attributes with comparative analysis between different studies. Finally, the paper proposes an interdisciplinary assessment model with a detailed analysis of a pilot case study of the Maspero Triangle area located in the centre of Cairo, Egypt.
Critical raw materials and cities: A literature review
Authors: Țăranu Andrei , Foresta Daniela La , Cerasuolo Andrea
Published: July 2024

This paper asks what is the relationship between critical raw materials and cities within the European Union (EU)? To answer this question, this study seeks to categorise research findings on critical raw materials through a literature review. For this purpose, publications about critical raw materials have been systematically searched using a multidisciplinary scientific bibliographic database. Several screening criteria were applied to ensure the utmost accuracy and specificity in the development of research. During the review, the papers and the other publications found were systematised by dividing them into three thematic sections according to the focus adopted: critical raw materials as pollutants; their recycling; and the new technologies that can be applied to them. The results of the review show that the development of cities and their regeneration will increasingly depend on critical raw materials. Moreover, these findings suggest that soon the professionals who deal with urban regeneration and renewal will have to manage more and more issues related to critical raw materials. Furthermore, a correct understanding of the relationship between critical raw materials and cities is essential to avoid manipulation by populist parties which could use these strategic materials to support their autarchic rhetoric.
Encoding structural agility and resilient response ability to emergent risks within the global supply chain
Authors: Varma Arjun
Published: July 2024

This paper provides a roadmap on how to go about implementing supply resilience within a global organisation. It talks about the imperative to focus on supply agility and resilience in an increasingly VUCA (Volatile, Uncertain, Complex, Ambiguous) environment, the ten core principles leveraging which one can build an effective supply resilience approach. It then discusses the need to have a holistic supply resilience program across source, make and deliver with cross-functional representatives and executive sponsorship. The paper speaks in some detail about how to go about conceptualising and executing the different workstreams of the program around procurement, manufacturing, logistics, resilient planning and innovation resilience. One needs to look at the big picture and hence it is important to bring the outputs and analytics of the different workstreams together to drive an end-to-end view of supply resilience and agility for a category and then overall for the supply chain. The paper gives an approach on how to look at this end-to-end view. Finally, it suggests the key success factors and tailwinds that are necessary to successfully execute and embed the supply resilience programme within the DNA of the organisation.
An urban regeneration-placemaking strategy for the Qatar National Museum and Souq Waqif’s transit-oriented development in Doha, State of Qatar
Authors: Furlan Raffaello , Marthya Khalida Lifam , Ellath Labeeb Ali , Esmat Maha , Al-Matwi Rashid
Published: July 2024

In the past 20 years, the State of Qatar has undergone rapid urban growth. Doha, the capital city, has capitalised on large-scale urban and infrastructural projects to strengthen and diversify its economy. The transport system, however, has largely relied on private vehicles, resulting in the need for a new public transit system: the Doha Metro. The recent construction of the metro system is opening up new avenues for the urban regeneration of transit towns as compact, liveable and sustainable neighbourhoods. Due to its historic and cultural significance, the Souq Waqif and the Qatar National Museum (QNM) neighbourhoods have been selected as a case study for this paper to explore and define a strategy for placemaking, based on a sustainable transit-oriented development (TOD) model. The research design is structured in four stages: 1) reviewing the literature about TODs and urbanisation in Qatar; 2) collecting oral and visual data from municipal authorities through structured interviews, site visits and site observations; 3) analysing the collected data and identifying the assessment tools to be adopted; and 4) implementing a novel masterplan focusing on public transit systems as a catalyst for sustainable urban transformation and placemaking. The findings contribute to proposing context-driven design strategies to enhance the liveability of the investigated TODs and to extend their application to other potential transit hubs in metropolitan Doha and in the Middle East.
An industry response: There is a better way to target the US Hispanic television audience
Authors: Beniflah Jake , Hughes Brian
Published: July 2024

This paper is a response to a number of questions the media and marketing community in the USA has raised after the publication of ‘Paradigm shift: the effect of nativity and years-in-country on television programme viewing across three Hispanic generational levels’ in the inaugural issue of JCMS. In summary, the study found that nativity and yearsin- country had a significant impact on television viewing by US Hispanics, suggesting that these variables could be more effective and efficient for targeting the US Hispanic television audience than the industry-accepted metric of language. This paper aims to answer two central questions: first, to what degree did our initial study, based on ‘reported’ data, reflect ‘actual’ (Nielsen-based) consumer media behaviour? Secondly, what happens to the relationship between Hispanic television viewing and nativity, if daypart (time of day), quarter (time of year) and age are considered? These are critically important questions in order for the findings to be useful for marketers. Using 2015 Nielsen data, the present study supports the findings of our initial study, and publishes new data based on these three variables. We discuss the implications of our study, and suggest that there is a more effective and efficient planning and buying television model for the changing US Hispanic audience in the 21st century.
What are consumers saying online about your products? Mining the text of online reviews to uncover hidden features
Authors: Alzate Miriam , Arce-Urriza Marta , Cebollada Javier
Published: July 2024

Thanks to the growth of the internet and the increasing use of social networks, companies can now access huge volumes of online texts in order to understand consumers’ preferences and needs. This article illustrates some methods to extrapolate information from such texts. The text-mining analysis covers such issues as word frequency, sentiment analysis, paired words, similarities in textual content and the main topics discussed in online reviews. From a practical point of view, brand managers can use the proposed methods to gain consumer insights into products and brands, to be able to improve and adapt their marketing strategies.
Understanding and applying Blockchain technology in banking: Evolution or revolution?
Authors: Buitenhek Mark
Published: July 2024

This paper explores the emerging technology of blockchain, the technology that underpins Bitcoin and other cryptocurrencies looking at what the technology is and its potential to disrupt and transform the financial services industry. It highlights the technology's characteristics and explains why these can have a profound impact on the entire financial sector in areas ranging from settlements, payments and identity services, as well as creating new products based on for example ‘smart contracts’. It will give readers an idea of what stage the technology is at—at the top of the Gartner hype cycle and therefore due to enter the ‘trough of disillusionment’ before useful applications start to emerge. The paper also highlights the work that the industry needs to do to make blockchain applications a mainstream part of the financial landscape. It stresses that this is not a technology that a single organisation can hope to perfect to gain an advantage over rivals. Rather, it can help the entire industry by speeding up transactions and making them more secure. But its full potential can only be realised if there is widespread collaboration throughout the sector to explore applications and create common standards.
`Successful Neighbourhoods: A Good Practice Guide` by P. Duncan and S. Thomas
Authors: Couch Chris , Hastings Annette
Published: July 2024

Successful Neighbourhoods: A Good Practice Guide; Authors: P. Duncan and S. Thomas; Reviewer: Chris Couch. Community Engagement in Housing-Led Regeneration: A Good Practice Guide; Authors: S. Lister, J. Parry and M. Thornley; Reviewer: Chris Couch. Partnership, Collaborative Planning and Urban Regeneration: Authors: John McCarthy; Reviewer: Annette Hastings.
Behavioural patterns in rogue trading: Applying control balance theory to the rogue traders Nick Leeson, Jérôme Kerviel and Kweku Adoboli — Part 2
Authors: Rafeld Hagen , Fritz-Morgenthal Sebastian G. , Posch Peter N.
Published: July 2024

When analysing great financial disasters of our time, rogue trading and related protagonists immediately emerge as factors. Rogue trading is a reoccurring phenomenon, gaining immense public attention due to the perceived mismatch between large-scale organisations on the one hand and individual employees bringing these organisations into enormous trouble on the other. It furthermore links to the understanding of fraudsters like rogue traders, embedded in (un)ethical organisational corporate corpuses. This paper employs Tittle’s control balance theory (CBT) to explain rogue trading as a special form/subset of white-collar and corporate crime. We use CBT to analyse the anatomy—including modus operandi, risk management failures and control weaknesses, as well as early warning signals— of three major rogue trading losses from recent investment banking history, that is Nicholas (‘Nick’) Leeson at Barings Bank, Jérôme Kerviel at Société Générale and Kweku Adoboli at UBS, totalling a loss exceeding US$10.5 bn. We draw conclusions regarding the explanatory power of CBT in light of rogue trading, as well as behaviour risk management and control in order to prevent rogue trading, and outline future areas of research.
Automated cluster generation and labelling of peer groups for marketing reporting
Authors: Crisp Dakota , Prantner Jonathan , Miller Grant , Claucherty Jack , Thomas Tom , Barnes Danielle
Published: July 2024

In today's data-driven marketing landscape, clustering data helps businesses better understand themselves and their customers. However, clusters derived from machine learning can be difficult to interpret and obtain buy-in from stakeholders. This paper details a method for automated cluster generation and labelling using machine learning. Two automotive case studies are provided where clustering enhanced business value and gained stakeholder buy-in. The first details segmenting dealerships based on their media environment to produce higher quality media models for lead generation. The second entails the creation of peer groups to enhance performance reporting across a diverse set of dealerships.
Evolving role of place management organisations in bold placemaking
Authors: Lin Cathy , Middag Lisa , Nakayama Jennifer , Sweet Evan , Yeager Gabriel
Published: July 2024

Placemaking has become ever more critical in re-establishing and reactivating urban commercial districts. Being bold in placemaking now means expanding place management’s role in economic development, reshaping physical spaces for social and economic recovery and reclaiming public spaces for people. With downtown conditions changing faster than ever before, this paper examines how urban place management organisations are supporting local businesses, expanding the night-time economy, engaging residents, pedestrianising streets and memorialising public space for civic protest and healing. The future of placemaking includes an imperative of social and cultural connection and context.
Accessibility of Metro Vancouver fire-fighters following a damaging earthquake: A case study
Authors: Traviss Stephen
Published: July 2024

This case study focuses on the ability of Metro Vancouver’s fire personnel to access their regular workplace and home location immediately following, and in the hours and days after a major earthquake. In the event of such an incident, transportation infrastructure will be disrupted, limiting accessibility in the region. By examining the travel routes required by fire personnel, emergency planning can address any anomalies or identified gaps in service needs. This case study provides information to guide the development of regional policies and coordinated efforts to ensure that available fire personnel resources are deployed in the most beneficial and effective way. Other first-responder and receiver agencies should consider conducting similar evaluations as the findings and recommendations presented here generalise to other disasters where staff resources will be limited. Further research is recommended to determine resource needs in the event of a major disaster. Once a better picture of the total resource needs is known, a gap analysis can be conducted to identify what resources are available and accessible from within Metro Vancouver and what resources would need to come from outside the region.
Causal analysis of operational risk for deriving effective key risk indicators
Authors: Andersen Lasse B. , Häger David , Vormeland Hilde B.
Published: July 2024

Key risk indicators (KRIs) are intended to track operational risk exposure and provide early indications of potential severe losses. Guidance on establishing the most effective KRIs for financial institutions is, however, limited and, as a result, KRIs are typically derived from an institution’s available metrics, often leading institutions to compensate for a lack of effective KRIs by increasing the number of KRIs monitored. Strengthening the ability to identify and evaluate KRIs’ effectiveness could increase the value of each KRI, further reducing the number of KRIs necessary and increasing the overall value of institutions’ KRI framework. This paper proposes a theoretical foundation and method for identifying and evaluating effective KRIs. The proposed solution originates from research on causal analysis of operational risk, particularly using Bayesian networks. It was found that high-frequency and tail events can be related to a shared set of causes which can be exploited for the identification and evaluation of two categories of KRIs: (1) shared causes that constitute major risk drivers; and (2) high-frequency events providing a strong indication of changes in exposure to low-frequency, high-severity events. Applying the suggested method, financial institutions can map and evaluate current and potential KRIs, ensuring reliable monitoring of the operational risk exposure level.
Automating the packaging and ingest processes to preserve bulk digital collections
Authors: Cirella David , Graf Grete T.
Published: July 2024

Providing support to ingest and access bulk collections requires early planning around access and exploring methods that are specific to the data attributes. This paper explores the motivations, constraints and methods that have been employed in the development and implementation of dual automation-based solutions for processing and ingesting large-scale collections into a digital preservation system at the Yale University Library. Implementing dual methods has allowed for the use of multiple technology stacks, close collaboration between preservation staff and subject specialists, and a considerable increase in throughput.
Revamping and rebooting your paid search campaign: Optimising paid search activity for success
Authors: Irons Ben
Published: July 2024

Over time, most paid search accounts evolve not only in purpose but also in their architecture. Such evolution may be in response to Google updates; a shift in the channel’s focus, such as a move to increase sales or supporting a brand awareness marketing campaign; or simply a change in the personnel responsible for managing the account. Without proper monitoring, however, paid search accounts risk losing their identity or require updating to succeed in the modern competitive paid search marketplace. This paper considers the importance of reviewing the current makeup of your paid search account and suggests a possible framework for simplifying your paid search strategy to ensure your channel is utilising all available opportunities. The aim here is to create thought-provoking ideas to drive your paid search marketing forward and ensure the channel is successful. The paper does not provide universal answers because each advertiser and their objectives vary, but it will provide some guidance on areas to consider and questions to answer.
The Coventry story of regeneration in an age of austerity: A practitioner’s perspective
Authors: Pearson Carl
Published: July 2024

Reflecting on the changing landscape of urban economic development policy in England, and the Coventry story in particular, this paper charts the emergence of new policy themes and the demise and abandonment of others. Written from a practitioner perspective, the paper focuses on chartering the shifting context within which sub-national economic development policy is now being practised.
How to deploy online guidance during a major incident
Authors: Balasegaram Sooria , Kar-Purkayastha Ishani , Bussell Mary E. , Burns Tim , Hough Neil , Sheridan Peter , Gent Robert Nicolas , Barker Richard Michael
Published: July 2024

The experience of users of the web resource developed by the Health Protection Agency, following the arrival of H1N1 influenza, can be used to formulate criteria for web communication of up-to-date guidance in any incident management. Users participated in an online questionnaire survey. Responses were analysed quantitatively and qualitatively. Seventy-four per cent (95 per cent CI 67-81) of respondents rated the online content as ‘excellent’ or ‘good’, with higher levels of satisfaction among healthcare professionals. Across all respondent categories there was demand for information more specific to their circumstances, alongside implementation of mechanisms such as text and e-mail to alert users to updates of web content. Based on the study findings, several recommendations were made on the use of similar web-based resources in future. With consideration of these recommendations, this strategy of web-based communication can be employed in other high profile incidents requiring a national response.
Think locally, act collectively
Authors: Maliphant Andrew
Published: July 2024

The COVID-19 pandemic has caused many English town and parish councils to consider how they might help revitalise their already-declining town and village centres and high streets. Some places have been lucky enough to benefit from UK Government funding, others are needing to find other ways to make a difference. A number of key steps are emerging: 1) involving local residents and businesses from the outset; 2) establishing a regeneration partnership with other organisations; 3) working with all the above to create a shared regeneration strategy; 4) finding the funds to make a difference over time. This paper shares the experience of a number of places as they gather the partners and techniques to bring a regeneration programme to life, and also seek to ensure that local projects are sustainable enough to deliver the desired local outcomes.
The EMIR compliance game
Authors: Cates Emily
Published: July 2024

With an EMIR deadline once again looming, firms will be hoping that second time around they are fully ready for the stressful demands of compliance. As many fell short of the 12th February EMIR traded report deadline they should in theory, have been far better prepared for the next key EMIR deadline of 11th August, 2014. With financial counterparties (FCs) and non-financial counterparties over the clearing threshold (NFC+s) now also having to report valuation updates and details of collateral posted. How can overall EMIR compliance across the sector finally be achieved? Most institutions seem to have gained a foothold on the ladder to EMIR compliance, or at least none will knowingly and publicly admit that they do not. However, firms now need to objectively review their market position and plan for the next phases of EMIR implementation. There remain various challenges ahead and ladders to climb with the rules of the game ever changing on the road to EMIR compliance.
Diminution valuations for building surveyors
Authors: Gilbert David
Published: July 2024

This article arises out of a paper given at the RICS Dilapidations Conference 2012, updated to reflect recent case law. It considers damages for breach of the repairing obligations under a lease. Their assessment requires careful consideration of the cost of works, and the diminution in the value of the landlord's reversionary interest, if any. Notwithstanding this point, it is the author's experience that the interrelation of the two are not always understood by building surveyors when advising their clients at the outset of a dilapidations dispute. The author calls on his experience of dealing with diminution valuations to help the building surveying team to a better understanding of the valuation process and the role of the valuer. This includes an explanation of why establishing the cost of remedying the breaches is important at the outset. Guidance is also given on how the building surveying team can assist the valuer and ensure more accurate assessment of the value of the landlord's reversionary interest.
Building AI solutions that deliver a better customer experience
Authors: Causon Jo
Published: July 2024

Technology, including artificial intelligence (AI), has the potential to improve the customer experience significantly. However, there are several challenges of which that organisations should be aware in order to ensure that AI is used effectively. One of the key challenges is ensuring that AI is used in a way that complements, rather than replaces, human interaction. AI can be used to automate tasks that are repetitive or time-consuming, freeing up customer service representatives to focus on more complex issues. However, AI should not be used to replace human interaction entirely. Customers still value the ability to speak to a real person when they need help, and this is critical for complex or sensitive situations. Organisations need to take steps to ensure that their AI algorithms are trained on data that is representative of the population they serve, to avoid biased or discriminatory outcomes. They also need to be transparent about how they are using AI and a suitable regulatory framework should be developed. Customers need to understand how AI is being used to collect and use their data. Businesses should provide clear privacy policies and give customers the ability to opt out of AI-based services. By addressing these challenges, organisations can use AI to deliver a better customer experience. AI can automate tasks, improve efficiency and aid personalisation, but it should do so in a way that is fair and unbiased.
How to get employees to live the brand: Employee engagement and the role of the CEO
Authors: Krause Mary Katherine
Published: July 2024

Whether one is employed in a nonprofit or for-profit organisation, inspiring employees to live the brand requires an orchestrated coordination of brand values, employee engagement, organisational culture and leadership style. This paper demonstrates how a strong organisational brand highlights the role of the CEO and executive team in engaging employees. Several for-profit and nonprofit organisational examples are provided — Blue Cross Blue Shield, Disney, California Dental Association, Lululemon, Rush University Medical Center, Stamford University, Southwest, World Wildlife Fund and Zurich — and concepts are applied to the current stage of the College of American Pathologists (CAP). Specific concepts include authenticity, elevator pitch, storytelling and brand ambassadors.
Desert urbanism: Canalscape for Metropolitan Phoenix, Arizona
Authors: Buckman Stephen , Ellin Nan , Proffitt David
Published: July 2024

A proposal to leverage existing infrastructure throughout the Phoenix region, ‘canalscape’ envisions over 100 mixed-use hubs of activity where canals meet major streets. Initiated in the classroom with 37 students from Arizona State University and the University of Colorado from 11 different departments, canalscape is now poised to move from vision to reality. This paper focuses on two key aspects in implementing canalscape: community engagement and finance options to offset the costs of development.
COVID-19 and the evolution of the alternative asset manager operating model
Authors: Fastert Michael
Published: July 2024

As a result of one of the great human tragedies of the 21st century, the world has been enduring some form of ‘lockdown’ or curtailment of ‘normal’ since early 2020 due to the global COVID-19 pandemic. The impact of COVID-19 on the human condition has been immeasurable; sociologists and psychologists will have source material for many decades as they attempt to put this virus and its ramifications on the world into context. Most of those reading this are neither of the above, however, so the focus for this paper will be the effects of COVID-19 on the asset management industry and how we as an industry operated during the pandemic. Most importantly, this paper will seek to explore trends that were accelerated as a result of the pandemic and what the future operating model for the asset management industry could look like. As my core expertise is the alternative asset management industry, this commentary will focus mostly on that particular subset of the industry, but certain aspects will be applicable to different types of fund operating models across the spectrum.
Airline business continuity and IT disaster recovery sites
Authors: Haji Jassim
Published: July 2024

Business continuity is defined as the capability of the organisation to continue delivery of products or services at acceptable predefined levels following a disruptive incident. Business continuity is fast evolving to become a critical and strategic decision for any organisation. Transportation in general, and airlines in particular, is a unique sector with a specialised set of requirements, challenges and opportunities. Business continuity in the airline sector is a concept that is generally overlooked by the airline managements. This paper reviews different risks related to airline processes and will also propose solutions to these risks based on experiences and good industry practices.
Implementing the International Image Interoperability Framework at the National Library of Wales
Authors: Robson Glen
Published: July 2024

The International Image Interoperability Framework (IIIF) is an international standard that allows interoperability of images and collections of images developed by a community of academic and cultural institutions. This paper will discuss how the National Library of Wales (NLW) has used IIIF for its own benefit in reducing costs for developing digital viewers and websites. The paper also discusses the collaboration and interoperability options that IIIF provides and what users have done with NLW material.
Using the market value of equity to signal banking sector vulnerabilities
Authors: Kerry Will
Published: July 2024

Equity market valuations of bank capital have been found to be better than regulatory capital ratios, and other metrics, in spotting problem banks. This paper illustrates how marketbased ratios could be used as part of the surveillance toolkit to assess vulnerabilities in the banking sector. While the measures may provide some false signals, from the point of view of an authority tasked with assessing systemic risk, it is better to have a strategy for identifying potential difficulties — even if sometimes everything turns out to be fine — than not being able to spot anything before problems affect the banking system.
Opinion: Beyond country risk: A comprehensive approach to address banks’ vulnerabilities
Authors: Felice Gregorio De
Published: July 2024

Although better than in 2014, the results of the stress tests failed to reassure the markets, at least in the short run. Asset quality and banks’ profitability remain top of investors’ worries. In order to address banks’ vulnerabilities, a comprehensive approach is needed, involving an overhaul of banks’ business models and the reduction of legacy non-performing loans (NPLs). Moreover, regulators and authorities should continue working towards better regulatory harmonisation and the completion of the Banking Union.
The FinTech revolution: Quantifying earnings uncertainty and credit risk in competitive business environments with disruptive technologies
Authors: Sobehart Jorge R.
Published: July 2024

Here we quantify the risks associated with the release and adoption of competitive products and services, and their impact on revenue generation and the value of the firm. Our model can be used for assessing the risks of business strategies whose revenues are used for the repayment of specific obligations, and for estimating the probability of default on those obligations under different normal and stress scenarios. Our approach also provides a simple framework for estimating synergies between firms in competitive environments with disruptive technologies such as FinTech versus traditional banking.