bluuebunny/crossref_metadata_2025 huggingface dataset:
Lessons learnt from the Victorian Building Authority’s cladding audit in 2015
Authors: Smith Murray
Published: July 2024

This paper provides a brief history of the first audit of cladding conducted in Australia, commencing in 2015, and provides details on the lessons learnt from the process. This includes the need for regulators to set clear expectations when addressing non-compliant issues, the standard of certification by practitioners and greater clarity in the construction codes. Some material from this paper has been drawn from previous submissions by the VBA to other bodies, such as the Australian Federal Senate Parliamentary Inquiry into Non- Conforming Building Products (Senate Inquiry).
Examining learning experience using a storytelling case: A best practice case study
Authors: Cronin-Gilmore Julia
Published: July 2024

Traditional marketing case analysis involves students reading from a textbook and writing an analysis paper, which consists of a summary of the present situation, root problem(s), presenting alternatives, evaluating strengths, weaknesses, opportunities and threats, and creating strategy recommendation(s). The idea of having students study case analysis in an alternative format was considered. A small, locally owned, upscale restaurant was chosen as the subject of a new case to be studied in a Master of Business Administration (MBA) marketing strategy course. Rather than having it presented in a written format, electronic storytelling was selected as the means for presenting the case. Approximately 250 students completed the case in an online course over a one-year period. The students completed an online survey after submitting case analysis papers. Survey data revealed that 92 per cent of the population thought storytelling was interesting, 78 per cent indicated that it improved their learning experience, and 79 per cent indicated that they would like more storytelling cases in the MBA strategy course.
RNIB’s Talking Books engagement campaign: A case study
Authors: Mccartney Paul , Pierre Karen
Published: July 2024

A recent report on social media suggests that consumer attitudes toward advertising within social networks are still evolving. It highlights that while roughly one-third of social media users find ads on social networking sites more annoying than other types of internet advertisements, there are opportunities for marketers to engage with consumers via social media. Rewarding users playing games within the social network environment in exchange for interacting with carefully selected brands (a value-exchange proposition) would suggest that any brand engagement could yield positive results. This case study shows how G Force Communications working with RNIB and the SocialVibe platform used video and a series of interactive questions to target women aged 45+. The engagement was served in a rich media unit within the social media games environment to build awareness and encourage click-through to a designated landing page in order to secure donations. Video as a communication medium has proved successful in the recruitment of new donors for RNIB Group in the past and by using existing footage the costs were relatively low. This was also seen as an opportunity to bring the challenges faced by the almost 2 million people in the UK living with sight loss to a wider audience.
Quality assurance in gift agreements
Authors: Livingston Serena R.
Published: July 2024

This article provides a comprehensive view of the components needed in fundraising to produce gift agreements that satisfy the requirements of the institution and the donor. Quality assurance in gift agreements encompasses both processes and people. The purpose of a gift agreement is to outline the terms of a charitable gift and how it is to be administered. This paper provides clarity for a framework to define the key elements of gift agreements, outline the process, involve the right stakeholders and execute high quality gift agreements as part of a holistic and collaborative programme of gift cultivation, solicitation, administration and stewardship. The best practices, guidelines, templates and workflows detailed in the paper can be adapted by any size fundraising department.
The intuition behind machine learning in marketing: Linear TV attribution
Authors: Vinasco Mario
Published: July 2024

Linear or broadcast TV continues to be an important channel for lead generation and user acquisition but precise attribution to an ad is not possible; attribution methodologies include time-based windows, keyword search within those windows, pixels that fire within the same Wi-Fi, panels, etc. This paper describes a forecasting methodology that uses machine learning to analyse recent and historical time series of new user registrations as well as additional factors and variables that affect new user acquisition. We then use this forecast to construct a baseline of expected new user volumes and how we attribute new users above that baseline to TV.
ESPN’s approach to a mobile analytics implementation
Authors: Zaharchuk Amber , Meares Chris
Published: July 2024

Analytics tagging implementations are becoming increasingly challenging with the rapid expansion of the mobile marketplace. Not only are digital marketers charged with coding websites, but also mobile apps, which may be installed on any number of devices and operating systems. App content and performance can be optimised by starting with a sound analytics implementation plan. This case study describes how ESPN uses a mobile analytics implementation framework to continually monitor and improve its mobile app performance, achieving record-breaking results.
The move to T1: Why are we talking about it?
Authors: Cassells Pardeep
Published: July 2024

The move to a one-day settlement cycle (T1) in the US will encourage market participants to streamline settlement processes and reduce associated risk. A recent statistic from a tier one bank showed that, based on a trading volume of EUR2.5bn per day, almost 30 per cent of this (EUR700m) is locked up due to failing trades. An 80 per cent reduction in time given to settle means sustaining settlement rates will be challenging for organisations unless fundamental changes to processes are made. These changes fall into three categories: behavioural, procedural and technological. To make behavioural changes, organisations should: understand root causes of failures to increase efficiency, such as the need for several rounds of matching; maximise automation so teams in all regions have access to the same better-quality data across time-zones via the same infrastructure; and adopt data-sharing protocols for a more collaborative ecosystem with greater access to data. Procedural changes include changing batch times, giving middle and back-offices visibility into inventory and ensuring Standing Settlement Instructions are readily available and properly maintained to combat multiple in-house and vendor platforms that do not communicate. Technological advancements include the move to streamline technology stacks and operate through fewer settlement systems, avoiding the need to manage data in Excel spreadsheets and multiple platforms. Single-source providers like AccessFintech offer connectivity to vendors and drive down additional application programming interface (API) connection build costs. The market must focus on increasing automation and better interoperability and data sharing between counterparties to prepare for a proposed go live in 2024.
Shifting paradigms: Regionalisation and the post-COVID-19 risk matrix
Authors: Barthe-Dejean Guillaume
Published: July 2024

The COVID-19 pandemic has exacerbated long-standing tensions in our international system and thrown globalisation into existential doubt. This paper argues that we are unlikely to return to the precrisis status quo and that our emerging global order will instead be hammered into shape by rising state interventionism, systemic rivalry and a growing momentum towards regionalisation. It then argues that regionalism will see a shift from ambitious free-trade and market integration efforts towards the formation of flexible regional arrangements that are more geostrategic and defensive in nature. Going forward, the above geopolitical transitions will disrupt supply chains, generating significant economic instability and systemic risk. This is a particular concern for the financial industry given its higher degree of integration globally. The paper then finally considers how supervisory authorities and financial institutions can prepare for the new normal and mitigate the expected surge in postcrisis regulation. This paper will be of interest to policymakers, risk management professionals and anyone interested in exploring global transitions in the post-COVID-19 landscape.
An approach to establishing a multi-organisational public sector security operations centre
Authors: Brett Mark
Published: July 2024

This paper presents a conceptual approach towards a public sector security operations centre capability at a regional level. This study supports the concept of the Government Cyber Coordination Centre as detailed in the UK Government Cyber Security Strategy December 2022, supporting the ‘Defend as One’ approach. The paper further proposes that the approach should work with nodes at a peer sub-regional and local level with information being aggregated at a regional or national level, with central oversight. This paper also considers some of the open-source tools available to support a security operations centre (SOC) approach, offering a framework for local and distributed analysis to reduce traffic flows and improve the flow of useful information to the SOC.
The Linux Compete strategy: An analytics case study
Authors: Vriens Marco , Vidden Chad
Published: July 2024

This paper examines how Microsoft dealt with the threat of an emerging competitor to its server operating system. The paper describes how a survey-based approach was used to identify the key drivers of customer brand preference and how Microsoft used multiple analytical approaches to quantify the potential threat. The context required both business understanding as well as forecasting and prediction accuracy. With these requirements in mind, the paper uses simulated data to demonstrate how, in this case, some approaches work better than others. The paper also briefly discusses the challenges encountered in getting management to act on the insights obtained through such analytical work.
The emotional and psychological impacts of London’s ‘new’ urban renewal
Authors: Lees Loretta , Hubbard Phil
Published: July 2024

Removing people from their homes in the name of regeneration is something that potentially affects their mental and physical well-being, but this is rarely explored via an experiential perspective that focuses on people’s own understanding of how their lifeworld has been disrupted. This paper considers the emotional and psychological impacts of recent council estate renewal on those displaced, or being displaced, from six London council estates. The paper reveals what it feels like to be displaced, and how these feelings — of losing one’s home and community — affect individuals’ psychological and indeed physical health. The paper concludes that displacement is often experienced as a form of slow violence which entails periods of waiting and uncertainty that cause multiple conflicts and anxiety, and that suggest that the benefits of renewal may never outweigh the costs for those who are displaced.
Analyses of market impact based on the published replies to ESMA’s Consultation Paper on the draft technical standards on disclosure requirements, operational standards and access conditions under the Securitisation Regulation
Authors: Sprengard Achim , Janzen Andreas
Published: July 2024

This paper analyses the response to the European Securities and Markets Authority’s (ESMA) Consultation Paper on the draft technical standards on disclosure requirements, operational standards and access conditions under the Securitisation Regulation (ESMA33-128-107).1 The Consultation Paper was published on 19th December, 2017, on ESMA’s homepage.
A differentiated model for inbound baggage handling systems at airports
Authors: Koottappilakkal Ahamed Ashik , Lyon David
Published: July 2024

To improve airline service quality, this paper proposes a model to minimise the mishandling and mismatching of inbound baggage by providing a differentiated service through an optimal classification towards passenger segments. The feasibility of the proposed model is then analysed through mixed methods. By implementing a reverse-engineered model of auto-baggage-drop, passengers will be able to individually claim their bags via an automated baggage reclaim device. Finally, the option to provide this differentiated service to premium passengers will add value to specific segments of passengers, and it will be advantageous to stakeholders: airlines, airports, passengers and third party suppliers, in the foreseeable future.
Now is the time for ambulatory centralised scheduling: How to assess your organisation's readiness
Authors: Hughes Kathy , Ormand Kevin
Published: July 2024

This paper will explore the advantages of incorporating centralised scheduling into your performance improvement strategy and initiatives to prepare for value-based care reimbursement and accountable care. It includes a checklist to assess your organisation's readiness to make the transition and best practices that will support the implementation. After reviewing the paper, readers will have an understanding of the four main reasons that ambulatory central scheduling can be essential to a health system's strategy moving forward — providing appropriate access to care, preventing network leakage, furnishing price transparency, and improving the patient experience.
Content and distribution are the keys to brand building on the social web
Authors: Perelman Jonathan
Published: July 2024

Social media channels represent the new starting point in how people discover and share news with their friends online. The shift in media also means that consumers are at the top of the media value chain, and advertisers are in a sweet spot to create quality content that is both meaningful and shareable. But creating engaging content online is limited unless it has the right social platform to spread. This paper explains why content is king, but distribution is queen.
How to improve the ESG profile of portfolios while keeping a similar risk-adjusted return
Authors: Kopp Antoine , Barber Dominic , Cottet Rémy , Susinno Gabriele
Published: July 2024

This paper identifies the potential to improve ESG credentials of a given reference portfolio whilst broadly maintaining risk-adjusted return characteristics, hence anchoring the portfolio to a better ESG profile. ‘Improving’ in this case means allocating a higher weight to better ESG stocks according to the variables employed. Using different MSCI benchmarks as reference portfolios, the research shines light on interesting subsector dynamics in the ESG-tilting process. Namely, Banks and Pharmaceuticals are replaced by Insurers and Real Estate Investment Trusts, in addition to Healthcare providers. The paper provides significant findings for investment managers in the context of ever-increasing pressure to ‘do good whilst doing well’. The opinions expressed in this paper are solely those of the authors.
Credit risk forecasting modelling and projections under IFRS 9
Authors: Montesi Giuseppe , Papiro Giovanni , Ugolini Laura , Ammendola Giuseppe
Published: July 2024

This paper presents the formal relations of a business planning model for credit risk consistent with the new International Financial Reporting Standard 9 (IFRS 9) accounting principles and the European Banking Authority (EBA) regulatory approach to stress testing. The model defines a flexible framework that helps to develop sound projections covering all the relevant figures related to the credit cycle: performing and non-performing exposures in the balance sheet, impairment adjustments of P&L and stock of provisions. The differences adopted in our model compared to the EBA methodology for the last supervisory stress test provide more flexibility, enabling the model to fit actual bank operations more closely, and allowing business planners to manage all kinds of dynamics and market conditions.
Personalisation the artificial intelligence way
Authors: Pearson Andrew
Published: July 2024

The era of artificial intelligence (AI) has arrived. Companies all over the world are championing their latest progress with AI, machine learning and deep learning, even though most of it is far short of anything that could be described as a breakthrough. Unfortunately, this excitement does not always translate into quantifiable success — it can take up to six months to go from concept to production, and even then, only one in three AI projects turns out successful. These odds might be low, but the effort is well worth it as the potential payoff could be huge. This paper describes five different types of AI — sound, time series, text, image and video — and illustrates various ways that AI can be used, including in customer relationship management, e-commerce, customer recommendations, security, voice assistance and natural language processing for customer understanding. This article argues that AI will become the basis for a level of customer personalisation that will not only be recognised but soon be demanded by fickle customers everywhere. As the paper will show, it is imperative for brands to utilise AI in their marketing because it allows them to have both a single view of the customer as well as a single view of their media.
Integrating unmanned aircraft systems into airport operations: From buy-in to public safety
Authors: Mackie Thomas , Lawrence Aaron
Published: July 2024

Savannah/Hilton Head International Airport (SAV) is in the middle of its project to integrate unmanned aircraft system (UAS) technologies into its regular airport and airfield operations. The integration includes applications for inspection, maintenance, monitoring and facility management, including support for its Part 139 inspection protocols. As the project moves from Phase I to Phase II, lead members of the implementation team from Woolpert discuss the year of consultation that led into the first phase, lessons learned so far, how those lessons are being carried into the next phase, and how additional phases will be added as the project progresses, adapting and expanding to the changing needs of the airport, the technology, the rules and trajectory of the industry. The paper also evaluates’ how the industry is evolving, how the Federal Aviation Administration (FAA) is attempting to safeguard the private and commercial proliferation of UASs, and how recent drone sightings near airports play a role in developing standards for implementations such as this one at SAV.
The future of cross-border wholesale payments: Mobilising central bank money across borders
Authors: Wandhöfer Ruth
Published: July 2024

Large-value cross-border payments constitute the life-blood of international trade and commerce and are thus crucial to national economies. This paper explores this high-value payment ecosystem, which has become more complex and expensive following the prudential regulatory reform rolled out in response to the global financial crisis. Recent technology innovations, in particular the emergence of blockchain and distributed ledger technology, have led to the creation of a parallel system of value transfers based on crypto currencies. The combination of cloud computing, software innovations and the increased use of application programming interfaces has enabled the creation of new business and technology models that are innovating this space. On top of this, the arrival of central bank digital currencies may have the potential to support cross-border payments, both retail and wholesale. This paper explores how far these developments can support a better system for large-value cross-border payments, providing a number of examples of real-world business approaches. A critical lens is applied to gaps outside of the technology field, such as central bank policies and liquidity management, which will need to be closed before true innovation can occur at scale.
IMF-compliant media asset management and workflows
Authors: Fernández-Campón Julian
Published: July 2024

As Hollywood leads the world in adopting the Interoperable Master Format (IMF) for media distribution, there are measurable financial and operational benefits of embracing the IMF methodologies in the underlying database and workflows of an enterprise media asset management system for versioning and localisation operations. This paper, drawn from a 2017 Society of Motion Pictures and Television Engineering presentation and technical paper, addresses the practical requirements of full support for end-to-end IMF workflows and indicates where efficiencies and savings can be maximised.
Visualisation to save cost, carbon and casualties : Looking at how visual communication tools have come of age
Authors: Blenkarn Nick
Published: July 2024

This paper summarises the current tried and tested visualisation technology and looks forward to new technological advances in ‘visual’ communication. Secondly, outlining the driving forces that are steering the emerging immersive economy by highlighting the benefits over conventional working practices and how ‘reality capture’ hardware is speeding up the ability to 3D model the built environment. The key acronyms are explained to differentiate augmented reality (AR), virtual reality) (VR), interactive 3D (i3D) and Internet of Things (IoT) and the link to digital twins. Lastly, these are put in context by reviewing some practical examples and case studies to show visual communication in action with a fire safety facilities management visualisation.
The tripartite approach to business continuity in the UK financial sector
Authors: Collins Stephen P.
Published: July 2024

The Tripartite Authorities — HM Treasury, the Bank of England and the Financial Services Authority — come together in the Tripartite Standing Committee (TSC), established in the 1997 Memorandum of Understanding for Financial Stability, revised in 2006. Under the aegis of the TSC, the Authorities maintain a framework for the management of operational disruption, within which they seek to identify and promote high standards of business continuity within the private financial sector, and to strengthen the ability of key participants to coordinate their responses to disruption. If there is operational disruption, the Tripartite's aims are primarily to keep payments and settlements systems open, to keep markets open if there is no threat to financial stability, and to facilitate an early return to normal trading. Recently, there has been much planning for the possibility of an influenza pandemic. This is a reminder that many threats are global in nature, and the lessons of the paper should therefore be of international relevance. In addition, steps are under way to enhance international cooperation in business continuity planning and crisis communications.
Coworking and the disruption of the current corporate real estate model
Authors: Sargent Kay , Cooper Julia , Mellwig Beate , Mcdonald Margaret
Published: July 2024

In early 2016 HOK was asked a simple question by the UK Chapter of CoreNet: ‘Will coworking impact corporate real estate, and if so how?’ That question lead to a deep dive into coworking and the October 2016 release of the white paper ‘Coworking: A Corporate Real Estate Perspective’. The conclusion of the paper addressed the question at hand but also looked at what might lie ahead for the industry.
Beyond the hype: Creative city development in Rotterdam
Authors: Trip Jan J. , Romein Arie
Published: July 2024

The 'proselytisation' of many urban policy makers to the creative city thesis is often looked upon as a hype, as something momentary. This raises the question of whether this thesis has any long-term value. This paper reflects on this value from a local policy perspective. It first presents key elements — success factors — of the creative city, as emphasised by several authors, and evaluates the extent to which these can be applied in local policies. Next, it analyses their application in practice in the case of Rotterdam, a city struggling with adjustment to the post-industrial transformation. By assessing this case against the background of the listed success factors, the paper concludes with some implications for the thesis in urban (re)development policy. First and foremost, the thesis appears to have long-term value, but only if local policy builds on the historically developed unique particularities of the city and considers the creative sector in relation to the broader urban economy rather than as distinctive clusters.
A comparative study into the performance of hot mixed and lime putty mortars with additions of metakaolin and brick dust pozzolans
Authors: Hetherington Stephen , Laycock Elizabeth Anne
Published: July 2024

This paper explores the properties of mortars where the principle binder is calcium hydroxide. Two distinct forms of the binder were used: a ‘hot mix’ consisting of quicklime (calcium oxide), and a slaked and matured lime putty mortar. The modifications of properties exhibited by the two binders with and without the addition of pozzolans, brick dust and metakaolin were established. This study has relevance because of the lack of empirical data on the performance of modified mortars of these types. The experimental evaluation of properties including the mortar compressive and flexural strengths and the bond strengths obtained with brick demonstrated that although the hot mixed lime mortars expressed some advantages in terms of porosity over the putty-based counterparts, there is no significant difference in performance regardless of the pozzolan added.
Big Data analytics for transaction banking: The differentiator
Authors: Meijer Carlo R.W. De , Majumdar Anupam
Published: July 2024

In the wake of increased regulatory compliance and intense competition, transaction banks today have been emphasising differentiating themselves by improving customer experience and offering relationship-based value-added services. Traditionally, transaction banks have stored large pools of data sourced from financial transactions, exchange rate feeds and customer information. Burdened by ageing IT applications, fragmented infrastructures and archaic data extraction technologies, banks have not been able to derive value from these data pools. But this trend is likely to change with the emergence of Big Data analytics technologies. Given the advantages such technologies offer, we believe Big Data analytics will play an important role in shaping the future of transaction banking, especially in enriching customer experience and offering new revenue streams. This paper presents an awareness of how transaction banks can leverage the benefits of Big Data analytics and apply these within their organisational boundaries. We have focused on a number of analytics tools available in the market that may be of interest for transaction banks. We have also highlighted some of the challenges transaction banks might face when implementing a Big Data analytics framework and have presented our point of view on how best to manage them. Finally, drawing experiences from the transaction banking industry, we have highlighted some business cases/use cases of value.
An implementation roadmap for overcoming Giovannini Barriers
Authors: Muir Andrew
Published: July 2024

Harmonisation initiatives designed to bring down the Giovannini Barriers to efficient cross-border securities operations are moving into the implementation phase. As a result, all processes will be subject to tighter controls and validation against ever more stringent standards, market practice rulebooks and cost-per-transaction expectations. This paper considers the expected effects of each Barrier elimination method on securities processes, and how these are being brought about by specific actions in financial and industry institutions. It also looks at what the financial institutions are doing to further their own causes within the scope of each initiative as the Giovannini Barriers come down — and at how that work is being justified. The paper includes a generic implementation roadmap for measures to combat the Giovannini Barriers, showing the expected dates by which the industry's infrastructure will be ready for meaningful harmonisation of all securities processes.
She’s just not that into you: The mediating impact of brand attachment on digital interactions
Authors: Sciarrino JoAnn , Prudente John
Published: July 2024

While the theory of brand attachment has been widely studied, very little research has been done to study the number and breadth of digital interactions for those brands with strong brand attachment versus those with weak brand attachment. This paper examines whether brand attachment towards fast-food brands has a mediating impact between loyalty (willingness to recommend) and digital interactions, as well as measuring the relative impact of specific digital interactions on brand attachment. Ultimately, the results suggest that that loyalty alone is not a significant predictor of digital interactions. Furthermore, social media interactions were seen as the highest contributor to brand attachment, suggesting that a consumer with strong brand attachment will have a higher proclivity to follow a brand on social media and subsequently share and create branded content.
Curbside accessibility and capacity: A focus on customer experience
Authors: Hobbs Don , Gonzalez Alan
Published: July 2024

Day-to-day curbside operations can easily be considered one of the most complex environments at any major airport. The real estate of curbside space is highly valuable for the public, but frequently undermined by the industry. No matter the travel motive, arrival or departure, everyone likes ‘front door service’. Unfortunately, not all airports enjoy unlimited curbside space, thus making every growth opportunity complicated and forcing the need for customer service investments or highly controllable measures. A well-thought-out holistic curbside plan is needed to achieve effective and efficient airport operations.
Breaking down the Facebook auction
Authors: Boyd Clark , Sanchez Ximena
Published: July 2024

This paper discusses both the theory behind the Facebook auction and how it works in practice. It details the component parts of the Facebook auction with particular focus on the aspects that advertisers can affect. The purpose of this exchange is to maximise the benefit to consumers. This can serve as a simple heuristic when advertisers make decisions, but it is also a nascent platform where all users are constantly learning. With this in mind, this paper provides guidelines on what to do when the received best practices simply do not work as expected. This applies to all three areas of a successful campaign: audiences, bidding and creative. The reader can expect to take away from this paper: a deeper understanding of how Facebook matches adverts to audiences; lessons taken from real-world scenarios and campaigns; free tools to use to maximise the impact of campaign creative; performance benchmarks for specific Facebook metrics; and solutions to some of the most common problems advertisers face today.
How automation is driving partnerships and innovation in financial services
Authors: Wooster James
Published: July 2024

This paper outlines how financial services firms are automating business processes and indirectly driving the creation of new partnerships between different types of software vendors. It discusses how desktop automation, itself a relatively recent innovation in financial services, encourages relationships between vendors to optimise front-office processes and improve business outcomes.
We need banks, but not only in banking: The case for user-centric platform propositions beyond financing
Authors: Kader Adem
Published: July 2024

Banks face the stark reality that they may not be part of banking’s future. Their customers have an increasing range of options both for their banking services and in other areas of their lives such as housing, health care, education, travel and entertainment. This is not only a threat but also a real opportunity for banks if they start to think innovatively about how they can support their customers with what they really need. This is clear in the difference between how customers and banks see decisions about housing. For banks, what is important is the mortgage, but for customers, the mortgage is only a small (though significant) part of their desire to find, finance and settle in their dream home. Today’s homebuyers spend a great deal of time on housing portals; they ask Alexa which mortgage they should be getting and use comparison sites and brokers to search for financial products. That means the relationship with their bank is diminished and ends up commoditised, leading to reduced margins and an unsustainable business. Banks need to respond to this new world by unlocking new sources of value, recognising that this will be not just in banking, but also in the broader ecosystems centred around customer needs. This is where platform business models excel, but the transition to these kinds of models will not be easy for banks. It will require a clear vision and strategy, and new, hyper-personalised digital propositions that truly meet the needs of users (consumers and producers). This paper analyses how banks will need to identify partners that can support them in that broader ecosystem. All this will require banks to make choices about their technology and smart use of data.
Developing an evacuation plan for the Obama presidential inauguration
Authors: Darnell Darrell L. , Stern Jodi
Published: July 2024

When the data came in for the expected crowd estimates at Barack Obama’s presidential inauguration and predictions pointed upwards of 2 million visitors arriving in the District of Columbia (District) on 20th January, 2009, it quickly became apparent that the current District evacuation plan would not be able to support the influx of visitors congregating on the National Mall. The District of Columbia Homeland Security and Emergency Management Agency (HSEMA) called for the development of a new evacuation plan. With a limited amount of time remaining, the District faced many barriers in the planning process, but managed to overcome numerous obstacles and developed a functional and effective evacuation plan while identifying ways to improve planning efforts in the future.
AML and counter-terrorist finance: How could the payments industry collaborate?
Authors: Tagai Masayuki
Published: July 2024

Anti-money laundering (AML) and counter terrorist finance (CTF) are now recognised as ongoing and possibly endless endeavours, especially in the banking industry, as they provide an entrance to the formal financial world. It is one of those areas where regulation is global, and regulatory harmonisation is evident, while enforcement is local in nature. While ultimate responsibility for AML compliance rests with each institution (eg banks) that has a relationship with the customer, collaboration in various areas can be sought for the sake of effectiveness, industry-wide cost saving and a better basis for customer services. A typical constraint that a bank would have is the fact that, in principle, banks only know what their customers do with them. When a payment is received from another bank, the receiving bank does not know whether the originator information is true or whether it is a string of alphanumeric characters that resemble a customer identity. By going through an example of an attempt to monitor payments at a Japanese domestic low value (high-volume) payment system, this paper brings to light the various issues that international as well as domestic payment service providers are facing. It also indicates potential solutions for cross-border as well as cross-industry payment monitoring. It is the first time that such propositions have been put forward in a large-volume environment, and can be made possible only because business, technical, operational and regulatory requirements are converging throughout the world.
Move over, Millennials: Generation Z is changing the consumer landscape
Authors: Gutfreund Jamie
Published: July 2024

For years, brands have been focusing on Millennials, but a new generation is here and they are already changing the consumer landscape: Generation Z (or Gen Z). This paper looks at who Gen Z is, what they value and how they differ from the previous generation. The oldest members of Gen Z are in college and about to enter the workplace, the youngest are still in middle school. This is the generation that grew up with Amazon and Netflix and information at their fingertips. They are savvy consumers and do not trust brands. When it comes to advertising, they like it real — real people who look like them and not airbrushed perfection. As for customer services, they like it personalised and efficient. They expect companies to use the most up-to-the-minute data to customise their shopping and buying experience, both online and offline. Earning their loyalty will be a challenge, and brands will need to rethink their marketing strategies.
Measuring the value of artificial intelligence in improving search and chatbot outcomes
Authors: Larche Jeff , Lazarevski Josip
Published: July 2024

This paper recommends that the best way to measure the success of artificial intelligence used in internal search or chatbots is not to use the data driving these improvements, but rather to tune a standard user behaviour measurement system to the metrics that matter and use carefully constructed experiments to assess the return on investment. The paper also maintains that digital marketers can learn a great deal about their customers and products from these enhancements, including what products need the most online marketing help. Through this process, the marketer can learn as much about the system as the system is learning from its users.
Social engineering and the use of persuasion to commit cyber fraud
Authors: Wantenaar Lance
Published: July 2024

The use of social engineering in cyberattacks has increased in recognition. The gap in understanding is how the various aspects of psychology influence the outcome of social engineering attacks. In this paper Cialdini’s principles of persuasion are discussed in conjunction with neuroscience. Additional insights are introduced, including how biases function within the structure of a business e-mail compromise (BEC) e-mail and what part the persuasion principles play in the structure of the e-mail and the requests. Additional context is provided with examples to clarify the concepts of the various topics discussed. Previous research has focused on isolated disciplines of psychology and its use in phishing attacks. This singular focus has failed to address the various nuances which take place with a social engineering attack. Referencing Cialdini’s extensive work in persuasion as well as social hierarchies and the role of physiology in decision making allows for additional insights to be explored. This unique perspective will offer a more holistic understanding of the aspects that influence decisions a person makes when targeted by a social engineering attack.
Opinion piece: How can banks and corporates work together more effectively to generate value?
Authors: Tabasso Gianfranco
Published: July 2024

SEPA is here but the market hasn't seemed to notice. Too much uncertainty still exists on key aspects of SEPA, including pricing. A majority of corporates are dissatisfied with the basic SEPA instruments. Without Additional Optional Services (AOS) and more flexibility in The European Payments Council (EPC) rulebooks, SEPA will have serious trouble in reaching a critical mass. It is time for a new roadmap, this time one shared by all stakeholders. Payments are becoming a commodity and SEPA will make banks lose revenues. The European Commission is holding out a big 'carrot' to them — e-invoicing. The EC Expert Group must draw the 'framework' that allows e-invoicing to take off, especially with small and medium enterprises (SMEs). Banks hope to play a major role and to discover new sources providing financial supply chain (FSC) dematerialisation and trade financing. The European Association of Corporate Treasurers (EACT) is participating in the effort with its Corporate Action for Standards (CAST) projects
MEES and HFCs: Burden or opportunity?
Authors: Cunningham Michael
Published: July 2024

The incoming Minimum Energy Efficiency Standards (MEES) will make it illegal to grant a new lease for a property with an Energy Performance Certificate (EPC) rating of F or G from 1st April, 2018 (and will affect existing leases too by 2023). The Fluorinated Gas (F-Gas) Regulations are increasingly restricting the supply of certain types of refrigerants widely used in air-conditioning systems, resulting in significant price hikes. Both the MEES and the hydrofluorocarbons (HFC) phase-down requirements can be addressed in tandem, as upgrading or replacing a property’s air-conditioning system can have a hugely positive impact on its EPC and will eliminate reliance on depleting, increasingly expensive gases. The input of a specialist mechanical and electrical (M&E) consultant in a refurbishment design phase will mean that a number of refurbishment/replacement options can be reviewed to ensure that the property would remain legal to let post-2023 (thus avoiding the need to re-enter to carry out disruptive — and more costly — works mid-lease) while also potentially reducing future service charge/repair works and operational/energy costs. With careful planning, and by being pro-active rather than reactive, the costs involved — although admittedly higher in the short term — will be lower overall over the long term.
Realising the global next-generation air transportation system
Authors: Humbertson Robert , Sinha Agam
Published: July 2024

Although global air traffic demand has slowed as a result of the current global recession, numerous projections show the beginning of a gradual recovery in the air transportation industry. In anticipation of increased demand, civil aviation authorities are working to improve their ability to meet capacity and demand expectations. Many nations are either planning or are beginning to implement methods to increase service delivery while reducing user and service provider costs. To justify the financial commitments for changes that enable system transformation, stakeholders need assurances that modernisation efforts will provide not only local, but global, benefits and seamless flight operations.
Uniting business continuity management and operational risk management
Authors: Farr Marce , Bailey Dan
Published: July 2024

Over the last decade or so, risk management has seen an increase in regulatory requirements, as well as audit scrutiny. A side effect of this is that many disparate but related management programmes are being tied into a common point of conversation: operational risk management. This paper explores how business continuity is being synthesised under the umbrella of operational risk management — from the common points between operational risk management and business continuity to the benefits of uniting these programmes. The paper also explores other disparate but related programmes, to consider how continuity practitioners could take a slightly different approach to the business continuity planning process. Lastly, the paper will outline how uniting these programmes would benefit continuity practitioners.
Long-term perspectives of intermodal integration at airports
Authors: Vespermann Jan , Wald Andreas
Published: July 2024

Encouraged by increasing urban expansion and soaring air traffic, connectivity between airports and other modes of transportation has become increasingly important. To mitigate airport congestion and better match customer demands, airport managers are exploring the intermodal integration of airports, particularly through the fostering of concepts such as air–rail integration. This paper studies external influences on intermodality and analyses the motivations of different stakeholders with respect to the integration of their infrastructure. Based on a survey at major airports worldwide, the paper elaborates on the current situation of intermodality at airports in Europe, Asia and the Americas. The results indicate that, even now, many airports still strongly depend on cars as the main access mode. To derive future trends in intermodal integration, the paper analyses potential developments under a changing environment. It thereby develops a framework and offers two polar scenarios. The analysis indicates that the importance of intermodality for the aviation industry is likely to increase, particularly that of air–rail integration, regardless of the chosen scenario.
Mobile money solutions for a smartphone-dominated world
Authors: Lien Jerry , Hughes Laura , Kina Jorge , Villasenor John
Published: July 2024

Mobile money is playing a critical role in promoting financial
inclusion in developing countries. Simultaneously, continued price
declines are placing entry-level smartphones within reach of a
rapidly increasing fraction of the global population. In addition,
many of the unbanked live in urban or peri-urban regions where
wireless network coverage is good and/or rapidly improving with
continued wireless network infrastructure build-outs. This paper
addresses the intersection of these trends, which provides both
opportunities and challenges. The opportunity lies in using the
interface and options available in a smartphone to provide mobile
money solutions that are more flexible, more accessible to persons
with a wide range of literacy levels, and more secure than
solutions based on traditional ‘feature’ phones. The challenge,
which the work described in this paper aims to address, lies in
actually designing the interfaces and architectures to provide
these solutions.
Centring anti-Black racism: Developing racial knowledge as stance
Authors: Perkins Trudi L.
Published: July 2024

This paper expands on prior discussion on the use of inquiry as stance to explore in more depth the pedagogical practices that emerge from anti-racist research in education. The paper draws on existing literature as a basis for discussing the connection between the use of inquiry in the development of anti-racist awareness and the ability to operationalise the practice around such specialised learning. The aim of this examination is to determine how inquiry as stance can benefit the development of racial knowledge. The paper asserts that having an understanding of stance provides a feasible starting point for conceptualising anti-Black racism as a specific embodiment of generalised racism. It further asserts that examining the processes associated with the development of an individual racial stance can help educators advance toward operationalising anti-racist education. The paper builds on previous research into the relationship between a racial knowledge as stance framework, and the potential use of inquiry to fill a significant gap in understanding how educators interact with their own knowledge of race, and then learn to facilitate this learning for others. Recommendations for avenues for future research on antiracism and anti-racist education are also discussed.