bluuebunny/crossref_metadata_2025 huggingface dataset:
The technology-enabled future of real estate: A present-day necessity?
Authors: Usher Neil
Published: July 2024

The global COVID-19 pandemic has thrown the purpose of the workplace into a realm of uncertainty barely imaginable even in late 2019. Emerging into the midst of Industry 5.0, it has accelerated a number of trends that were already apparent, but that are now causing us to re-evaluate the assumptions on which for several decades we have created and managed physical workplace. The opportunities for repurposing the workplace to satisfy the triple bottom line — social, commercial and environmental performance — using new and emerging technologies are vast. In particular, the smart scheduling of workspace may be the essential draw-down on the much-imagined tech-enabled future of real estate that we need today.
Social media: Listening to act, listening to learn
Authors: Pingitore Gina , Detgen Jeremy
Published: July 2024

Consumers of all types increasingly communicate with friends, family and companies via social networking sites. They are not shy in posting their opinions about experiences with companies, both good and bad. These comments hold rich insights that can drive business decisions in the areas of customer service, product development and marketing, but have yet to be utilised effectively by many companies. This paper provides a framework for how to look at social media both as a tactical tool for delivering better customer service and driving customer sales; and as a strategic tool for developing deeper consumer insights and driving long-term improvements to products or processes. These two primary use cases can be described as listening to act and listening to learn. Both types of listening can produce valuable information, but they differ in their aims, operations and the skill sets needed to execute them. Both types of social media listening will be needed as the social wave continues and companies jockey for position among connected consumers: listening to act, to address marketing and servicing issues in real time; and listening to learn, to identify more complex consumer insights across multiple social media channels over time.
Risk management is a fool’s errand without an end-to-end view and effective prioritisation
Authors: Winn Shawn , Buck Levi
Published: July 2024

Supply chain risk management (SCRM) begins at the foundation of any company’s capability. Whether it is in procuring rare earth minerals, securing timberland or caring for cows grazing in a field, leaders must manage risks that are not always covered by the company organisational chart. Just because these risks are outside of the corporate purview and often shared broadly does not mean firms are free from monitoring and mitigating them. There are groups, associations and councils of supply chain stakeholders that come together to help monitor and protect these types of foundational supply chain inputs. By remaining active in them and supporting them, supply chain managers continually monitor the risk and help guide mitigation strategies. Organisations employing SCRM correctly understand and monitor these risks. They employ structured SCRM frameworks that extend from mission and policy through operations to human performance development. At every level, resources are empowered to monitor and engage with their supply chain stakeholders to manage risk. At the operational level, they employ a model to identify and prioritise risks. Many use the CARVER model, made up of these steps: criticality, accessibility, recuperability, vulnerability, effect and recognisability. This paper explains how a prioritisation model applies to a foundational supply chain risk, like that of the raw materials/cattle of the beef industry. Recent and widely available data, as well as general familiarity with beef in the US, make the industry a useful example to demonstrate supply chain prioritisation and planning.
The problems with design stage estimates of energy use of buildings and how this can be improved by using the methodology set out in CIBSE TM54
Authors: Cheshire David
Published: July 2024

This paper explains the problems with design stage estimates of energy use of buildings and how they can be improved by using the methodology set out in CIBSE TM54. The paper includes a case study example of the University of East London (UEL) library, where an estimate of energy use at the design stage was used as a way of comparing and diagnosing the operational energy use. The paper concludes that better estimates of energy at the design stage enable designers and clients to focus on opportunities to save energy by applying design effort and budget in the appropriate places.
The impact of procuring reverse engineered spare parts on the supply chain : A case study
Authors: Al-Theeb Nayif A.
Published: July 2024

The introduction of reverse engineering (RE) to the supply chain by procuring equipment spare parts allows to enhance the procurement process and to bring additional advantages such as localisation and economic benefits to the supply chain. This paper attempts to show the impact of enabling alternative qualified and more affordable supplier sources of spare parts to be part of the procurement process along with original equipment manufacturers (OEM) to supply the plant machinery’s spare parts for maintenance. In this case study, the reverse engineering of spare parts is intended for Saudi Aramco internal installation and utilisation and not for commercial purposes. This is particularly relevant to cases of OEM parts becoming obsolete or sources are diminishing, causing increased spare parts cost. The case study sheds some light on the work done, the challenges faced to enable such process and shares the methodology used. It also shows the cost saving, materials shortening delivery time, localisation and other benefits as a result of obtaining spare parts from reverse engineering manufacturers.
Integrating unmanned aerial system operations into the Dallas/Fort Worth airport environment
Authors: Sichko Paul
Published: July 2024

Dallas/Fort Worth International Airport (DFW) was one of the first airports in the USA to receive Federal Aviation Administration (FAA) approval to fly small unmanned aerial system (sUAS) aircraft in highly restricted Class B airspace. To date, almost 100 public and commercial flights have been flown at DFW in support of law enforcement activities, fire safety, airport construction and private industry videography. The path to FAA issuance of sUAS certificates of authorization (COA) was paved by a concerted effort among a broad cross-section of aviation professionals with an interest in integrating UAS operations into the DFW environment. The DFW UAS Work Group worked diligently on many aspects of sUAS operations, ranging from COA application to UAS education to flight procedures development. Collaboration between airport representatives and various entities within the FAA resulted in an executed letter of agreement that supports public and commercial sUAS flights over airport property. This paper describes the methodology applied by the work group that led to successful sUAS flight operations. The paper also identifies barriers encountered and the processes applied to mitigate those issues. The author and the DFW UAS Work Group would like to share information that would hopefully assist other airports in developing a sUAS flight programme.
Lessons not learned: How did we arrive at the need for the Hackitt Review?
Authors: Laurie Ian
Published: July 2024

The term ‘unprecedented’ is often wrongly used in respect of catastrophic events, and while the Grenfell disaster has highlighted significant shortcomings in both our regulation and construction regimes, sadly history tells us that far from being unprecedented, this was a disaster not only waiting to happen, but which has been repeated at intervals throughout history. From the Great Fire of London to the Woolworths Manchester fire, the drivers behind Grenfell are well-known — cost pressures, lack of expertise and ineffective legislation all playing their part, as stated in the Hackitt Review. What is perhaps unprecedented is the extent to which Grenfell has highlighted what can only be described as endemic failings in our modern construction practises that show we have not simply forgotten the lessons history should have taught us, but have knowingly disregarded them. Before looking at the recommendations of the Hackitt enquiry and the proposed changes to the construction industry, this paper will look at the history of fire safety and the lessons that we were already taught, asking ourselves: ‘How did we end up at Grenfell?’
Thinking differently about Pinterest
Authors: Gilbreath Bob
Published: July 2024

Since launching in 2009, Pinterest has been one of the fastest-growing digital platforms. Users love its visual layout, curated boards and intuitive mobile app. The potential for marketing is great, as people frequently use it to discover new projects and products. But only 27 per cent of Pinterest users claim to follow any brand on the platform, and most marketers are unsure of their approach. As Pinterest expands globally and launches its paid (Promoted Pins) model, the author discusses how to win on the platform.
Hitting the procurement trifecta : How FHLB San Francisco transformed and aligned procurement, risk and diversity in the middle of a pandemic
Authors: Gear Kelly , Rogers Tom , Ulrich Jennifer
Published: July 2024

Procurement transformations involve a strategic review and realignment of an organisation’s procurement function to address critical operational gaps. This paper focuses on the execution of such transformation activities within a heavily regulated financial services organisation that faced several internal and external gaps. Gaps included a heavy reliance on suppliers to maintain critical operations, increased regulatory oversight and a lack of standardisation and organisational integration within the procurement function needed to service internal customers. A successful transformation for such an organisation required a focus on three primary pillars (workstreams): procurement, supplier diversity and supplier risk. Each workstream addressed a unique set of challenges and, as such, were carried out independently; however, the interrelated nature of these challenges called for strong planning, shared resources and parallel efforts. The results of the initial gap assessments showed a need for procurement team right-sizing (in terms of resources and role definitions), a revision of core policy and standard operating procedures, and a re-evaluation of the technologies that supported both procurement operations and regulatory reporting/compliance. The transformation, embodied by the three pillars above, addressed each of these gaps. This transformation began the reimagining of the procurement function but work in this space is ongoing. Requirements around third-party risk management, supplier diversity and the regulatory landscape will continue to shift and evolve. Regular monitoring of the effectiveness of this transformation must be conducted, and strategic pivots and change management efforts must be undertaken to ensure long-term success.
Analysing and managing risk from third-party OAuth application access
Authors: Hwong Jenko
Published: July 2024

Modern cloud application architectures allow users to dynamically grant third-party apps access to their cloud resources. When looking at a large, anonymised dataset of over 600,000 users and their approvals of over 43,000 applications, we found that organisations often are unaware of the magnitude of the access problems: on average, an organisation will grant 440 unique third-party apps access to Google data and resources; one organisation’s users approved 12,330 unique applications; out of all the approved applications, over 44 per cent have been granted access to either sensitive data or all data on the user’s Google Drive. The use of OAuth 2.0 has resulted in users creating numerous, unknown access paths from external third-party apps to organisations’ data and resources, in a way that is often hidden and unmanaged by organisations’ IT or security departments. In addition, the credentials granted to access users’ cloud data and resources often can be refreshed indefinitely. Security operations face challenges such as minimal to no tracking or management of these paths or credentials, along with immature or incomplete technical controls. This paper discusses an approach to understanding, assessing, analysing and managing third-party OAuth application risk, using anonymised real-world data as relevant examples, to provide prescriptive guidance on reducing risk associated with third-party applications.
Securities Financing Transaction Regulation: Implementation and impact on the securities finance post-trade reconciliation
Authors: Khemdoudi Pierre
Published: July 2024

As part of the policies identified by the Financial Stability Board (FSB) to increase transparency across Securities Financing Transactions (SFTs), the European Union (EU), under the guidance of the European Securities and Markets Authority (ESMA), introduced the Securities Financing Transaction Regulation (SFTR). The regulation includes a number of new rules for market participants, including a requirement to report all SFTs to an approved trade repository (TR). The transaction reporting regulation mandated under article 4 of the draft SFTR legislation will compel the securities finance industry to radically restructure its data architecture — integrating numerous and often disparate data sources to enhance transparency — and challenge some of the industry practices. This paper provides an overview of the SFTR regulation, focusing on the trade reporting (article 4) along with highlighting the challenges faced by the securities finance industry when implementing this regulation. It outlines as well the impact such regulation will have on the securities finance trade reconciliation and matching.
Evaluating risk and stress-testing challenges for central counterparties
Authors: Viollet Franck
Published: July 2024

This paper discusses the types of challenges that stakeholders face in evaluating risk and margin models for central counterparties (CCP). Two important tools to evaluate the adequacy of CCP resources to cover potential future exposures are back-testing and stress-testing. The paper discusses challenges when designing and analysing back-tests, including the use of unit tests and the inclusion of add-ons. The design and specificities of supervisory stress-testing are covered with a particular focus on liquidity and concentration risk.
A grounded theory approach to determine the factors affecting tourism decisions
Authors: Attri Rekha , Jasrotia Sahil
Published: July 2024

Today’s tourists want a personalised service that provides not just detailed information about destinations, but also packages tailored to their individual needs. This paper proposes a conceptual customer relationship management model for the tourism sector. The study was carried out by conducting in-depth interviews with the owners and senior managers of tour operating companies in the cities of Bhopal and Indore, Madhya Pradesh, India. Eighteen tour operators and managers were interviewed, each of whom had at least five years of experience working in the sector. The content was analysed using the grounded theory approach. To help deliver value to customers and hence develop stronger customer bonds, the model developed through this research includes factors such as natural characteristics, amenities, social environment, attractions, accessibility, security, promotions and customer feedback. By considering these factors, tour operators can design their customer acquisition, servicing and loyalty plans to enhance customer relationship management in tourism.
Risk management in securities settlement systems
Authors: Trundle John
Published: July 2024

This paper looks at how risk management in securities settlement systems seeks to ensure the continued robustness of an essential part of the financial market infrastructure. It takes the example of Euroclear and describes the role of the risk management function and how it has evolved. The paper outlines the three lines of defence model which ensure clarity of roles and responsibilities, and how the different components of risk management, including compliance with rules and regulations, can be implemented in practice. The particular importance of ensuring business continuity through high levels of operational resilience is noted and how that can be achieved is described. The risks that need to be considered by the risk function are likely to include some or all credit, market, liquidity, operational, business and strategic risks, as well as derived risks such as reputation risk. All financial market infrastructures will have to pay particular attention to operational risk and service reliability. For all financial market infrastructures, relevant stakeholders will want to be confident that the full range of risks facing those infrastructures is properly controlled. The risk function, therefore, will be subject to considerable scrutiny.
Case study: Si.mobil workplace redesign project
Authors: Erzen Alenka Kragelj
Published: July 2024

Business leaders have an opportunity to transform their companies when they work in close collaboration with their architects and can be important partners in the redesign of their company with results that directly impact employee satisfaction, corporate image, efficiency and quality of products and services. This paper describes how innovative design processes were utilised by the appointed architects in partnership with Si.mobil to achieve: improved employee health and wellbeing, increased operational flexibility, an innovative environment, more optimum arrangement of functions, improved corporate image and a more fun place to work. The project was completed on 4th November, 2013 and comprised the renovation, restructuring and remodelling of Si.mobil's 4,000m2 headquarters in Ljubljana, Slovenia. The extensive changes in the company's workspace led directly to an improvement in morale and productivity among Si.mobil employees. This project was not only about transforming the Si.mobil space, but also about transforming corporate culture. In this paper detailed information is presented regarding the initial steps of the project, what was needed to get on track, how the architects worked with the team at Si.mobil throughout the project to ensure everything ran smoothly and what was done after the project to determine how successful the changes were for the client at all levels of the organisation.
Geneva Airport in 2020 and beyond: Validating our strategy to develop a sustainable airport and maintaining this in the new normal
Authors: Schneider André
Published: July 2024

How can airports today find the right balance between accommodating the demand for air travel, the needs of airlines and also address a framework that imposes more and more constraints on the environmental impact of the airport’s activities? We will present the results after three years of implementing our strategy to address this in the context of Geneva Airport, a 17.9-million passenger airport in Switzerland. We will also discuss the impact of the COVID-19 crisis and how we will move ahead.
RHÖN-KLINIKUM’s campus-concept approach to dealing with an age-dominated healthcare system without economising
Authors: Griewing Bernd , Mueller Lisa , Walter Dominik , Auner Harald , Griewing Sebastian , Marte Johannes
Published: July 2024

Changes in healthcare are needed, particularly in order to address the consequences of demographic developments. A centralised and integrated healthcare provider, following economic and qualitative aspects and providing both a broad spectrum and highly specialised medicine, could be one solution. The campus-concept used by RHÖN-KLINIKUM-AG is based on the concept of networked medicine. Its primary element is patient navigation, which aims to exploit the assumed potential for efficiency. In the discussion on quality, patients should be not only targets but actors whose needs are taken into account. Patient-reported outcome measures (PROMs), which measure the quality of health care from a patient perspective, should play a major role in the German healthcare system. Forms follow function.
FinTechs and payments for international education
Authors: Prakash Venkataramani
Published: July 2024

This paper examines the landscape of global student mobility, giving special attention to the emergence of FinTechs in the international education payment space. Banks, which have at best been participants in the market for crossborder remittance of person-to-person and personto- business/university payments, are now seeing new innovative FinTechs solving customer pain points, making transactions more efficient and simple. This paper maps the huge market demand for speed, safety and security in educationrelated payment instruments. With COVID-19 creating a new normal, the paper also describes how various FinTechs have launched creative solutions to solve payment issues for students and reconciliation-related challenges for universities and other beneficiaries by setting up smart digital interfaces. The issues faced by students and parents at a larger level are very similar to the frictions and challenges seen with peer-to-peer payments.
Investigating partnerships with local players: Build, buy or partner?
Authors: Sanni Toyin
Published: July 2024

African markets such as South Africa, Egypt and Nigeria offer diversification opportunities to global investors. Such economies show significant growth and opportunities, notwithstanding peculiar challenges. Domestic custodians offer safe-keeping, settlements, reporting, foreign exchange and corporate action, as well as value-added services. The big question for the global custodian is no longer whether to play in these markets — that choice has in fact been made for them but, how should they enter? Their options are categorised as ‘build’, ‘buy’ or ‘partner’.Building may promise control, brand purity and absence of legacy problems but it is hardly the quickest-to-market option. Buying gives access to existing licences, skills, structures and legacy business and a quicker time to market, but poses usual acquisition challenges. Partnering via an agency would likely provide the quickest-to-market option, links and domestic knowledge on an ongoing basis; however, there is exposure to partner risk, which must be properly appraised.
Operational leadership of total airport management
Authors: Brehmer Thomas
Published: July 2024

Total airport management (TAM) offers a revolutionary way forward, not only for airport management, but for aviation management at the airport locus. Building on the emerging operational innovations of airport collaborative decision making (A-CDM), TAM will integrate the individual passenger and unit of cargo into the aviation system. This will have profound and positive implications for service quality as well as revenue yield, productivity and efficiency across all aviation and aviation-related value chains. The management prerogative of TAM ultimately would be with a new organisational unit spanning all participating aviation and non-aviation actors at an airport (the TAM actors) represented by their executive agent, the TAM director. The paper discusses the possible job description of the TAM director and further speculates on the actual performance of their duties in an operational environment of the future.
Electronic payments service provider contracting: Best practices and pitfalls
Authors: Douglass Duncan
Published: July 2024

As electronic payment systems continue to expand in transaction volume and technical complexity, traditional financial institution participants have increasingly outsourced portions of their electronic payment services to non-bank service providers. This trend towards greater outsourcing by financial institutions appears to be driving market efficiencies and economies of scale but is also resulting in an increasingly tangled web of contractual relationships. In many cases, the services outsourcing contracts entered into by financial institutions are executed without sufficient consideration of whether the financial institution has fully shifted performance obligations and associated liability risk to the service provider. While no two services contracts are identical, proper drafting and negotiation of certain common contract provisions can significantly improve a financial institution’s relief from the service obligations and liability exposure it intends to shift to the service provider. This paper identifies the relationships between financial institution participants in electronic payment systems and their service providers, highlights the public laws and payment network rules that establish the default framework of responsibilities and liabilities within most electronic payment systems, and suggests contracting provisions to assist financial institutions in drafting effective electronic payment service provider agreements.
Airport provision and air transport dependence in European countries
Authors: Williams George , Fewings Rodney , Fuglum Knut
Published: July 2024

This paper analyses air transport dependence and the level of airport provision in 14 European countries. Based on a study undertaken for Avinor, the analysis includes airports that handled at least 2,000 commercial passengers in 2003. Five elements of air transport demand are analysed: domestic and international travelling frequencies per capita; the volumes of freight and post carried on domestic flights; domestic and international aircraft movements per 1,000 inhabitants; and the modal split and purpose of domestic journeys. Airport provision is analysed in terms of opening hours, ATC service provision, navigation aids, and rescue and fire-fighting services.
From analytics to conversion rate optimisation
Authors: Pavan Enrico
Published: July 2024

Today’s marketing strategies must embrace deep data analysis to obtain actionable insights and make proper decisions. This paper explains how a conversion rate optimisation (CRO) data framework can have a huge impact on conversion rate. The case history shows how to exploit the drivers, avoid the barriers and implement the hooks that lead users to convert. Data outcomes are thus the result of analysing quantitative, qualitative and visual insights. At the core of CRO is a mix of different tools and techniques, adapted to the specific product/industry/timeframe. This paper provides readers with a guide to creating their own data-driven CRO framework and how to apply it to their projects.
Artificial intelligence for a role change in television archives: The Atresmedia–Etiqmedia experience
Authors: De Quintana Eugenio López , Carpio Antonio León
Published: July 2024

Given the increasing volume of audiovisual content being produced, combined with the growing demand for granularity in image searches, it is becoming increasingly impractical for television archives to catalogue their collections without automatic processing and artificial intelligence technologies. This paper describes a pioneering project to implement such technologies.
The development of international air links by regional airports in New Zealand
Authors: Francis Graham , Lyon David
Published: July 2024

This paper explores the attempts by regional airports in New Zealand to develop international air links. The number of regional airports with international services has risen from none in 1994 to four in 2007, with several others actively seeking to establish international services. The paper traces the history of this growth and considers possible future developments, looking at the significant role that low-cost carriers have played to date. The authors examine the commercial pressures and other motivations for regional airports to encourage airlines to offer international services.
Mobile wallets and current accounts: Friends or foes?
Authors: Bott Jürgen , Milkau Udo
Published: July 2024

A recent study by Commonwealth Bank of Australia predicts a tipping point for the future use of mobile wallets, saying that smartphones will replace physical wallets by 2021 and that one in two people questioned expect that the majority of payments will be made via a mobile wallet in the future. Internet and smartphone technology have revolutionised a number of industries and changed whole ecosystems in today’s economy. Nevertheless, for the payments industry some essential questions lack closer discussion: the different roles of, and relation between, mobile wallets and current accounts are somehow opaque. Based on a review of the introduction of the current account as an essential part of the business model of German banks in the late 1950s, this paper analyses the future relation between wallets and bank accounts. For a future payment ecosystem, four dimensions will be characteristic: trust, security and stability, clearing based on interoperability, and the ‘shopping experience’ of the consumer. Payment messages can be expected to be exchanged by various channels and/or clearing systems. But providing current account and settlement with irrevocable transfer of liquidity are, sui generis, features to be provided by banks. Cooperation and coexistence of different players in a two-sided/two-layer market will be key factors to provide a trusted basis for a payments eco­system.
From conception to reality: Implementing a global digital asset management system that improves workflows and protects children
Authors: Branaman Micah , Ciero Laura Di , Mason Daniel , Tingson Leanne Pearl
Published: July 2024

This paper discusses the multi-year investment made by World Vision International (WVI) — the world’s largest child-focused non-governmental organisation — to transform its legacy content management system into a modern digital asset management (DAM) platform to help promote awareness and raise funds to enable WVI’s international relief, development and advocacy work. The system now houses 1 million photos, videos and stories, enabling WVI to share the experiences of the most vulnerable people from around the world with prospective donors, partners and the public, and has become an integral part of ongoing operations, playing a critical role during COVID-19 when travel was rendered impossible.
Customer journey optimisation using large language models: Best practices and pitfalls in generative AI
Authors: Thukral Vaikunth , Latvala Lawrence , Swenson Mark , Horn Jeff
Published: July 2024

Today's business environment is moving faster than ever, and the expressive and adaptive capabilities of generative AI (GenAI) and large language models (LLMs) are redefining the enterprise rails of tomorrow. Given the abundance of industry hype, investor expectations and leadership pressure, the initial impulse is to ‘get in the game’. But how does one implement initiatives that drive business outcomes within ethical parameters while avoiding technical pitfalls? Marketers need practical guidance to navigate through these changes. In this paper, the authors examine multiple considerations for deployment of GenAI in marketing and customer experience. How does the marketer decide on which initiatives and opportunities to begin with? Which use cases will drive value as the organisation adapts to deploying these new capabilities? Once a marketer has identified the opportunities to capitalise on through GenAI, how is the capability deployed? There are a variety of approaches that can be considered given the level of organisational capability with AI and resource levels to be applied. As with any cutting-edge capability, there are potential missteps that must be avoided to ensure success. This paper provides some insight based on practical experiences to date that cover ethical, technical and process concerns. The paper presents thoughtful approaches to the deployment of LLMs and GenAI that can result in concrete ROI and reduced risk even in this early stage of adoption. With this information, marketers can be prepared to confidently begin their journey using GenAI to transform their customer experience and drive enterprise value for their organisations.
Validation as motivation: A reference to help today’s students become tomorrow’s professionals
Authors: Harris Brandon D.
Published: July 2024

This paper provides an actionable framework for motivating underperforming students to become overachieving professionals. The validation-motivation model is reinforced by cases that include the existence of validation, motivation, cultural consciousness and sense of belonging. Current literature highlighting relative approaches to supporting African American and other minoritised students is utilised to strengthen the credibility of validation as motivation. The literature provides nuance to validation theory while presenting it as a practical tool used to spark motivation toward success. Implications of the material are provided, as well as recommendations for professional and educational leaders’ goals in supporting the future success of students. From theory, to practice, to outcomes, this document provides leaders with a brief yet functional outline for encouraging the student-to-professional transition.
Unlocking SEO testing insights: Leveraging quasi-experimental designs for effective experiments
Authors: Fernandes António
Published: July 2024

With the development of marketing's digital landscape, experimentation has become crucial for companies' business planning. Testing can now be set and delivered within seconds, making optimisations faster than ever. However, traditional models, such as A/B testing and multi-variate testing, face challenges as marketing professionals seek to expand experimentation to areas where controlled conditions cannot be met. Among these is the case of search engine optimisation (SEO) experimentation, an area that is steadily becoming a crucial element in modern marketing strategies. This paper explores the use of quasi-experimental designs to overcome these challenges, allowing for the collection of insights when traditional experimental setups are unfeasible. Examples are provided to show how quasi-experiments can be effectively applied in multiple SEO scenarios, assessing the performance of the treated pages and using correlation to generate comparable control groups. It advocates for a shift in the mindset of digital marketing professionals, stressing the importance of adaptability in experimental approaches, underscoring the necessity to embrace quasi-experimental designs in modern marketing strategies by highlighting their pivotal role in achieving data-driven insights in an increasingly complex digital world.
The Mythic Status Brand Model: Blending brain science and mythology to create a new brand strategy tool
Authors: Tait Bruce
Published: July 2024

There is no brand strategy job more fundamental than defining and articulating the core meaning behind a brand. If this is not done properly then all the execution that flows from that brand strategy is wasted effort and money. This paper shows how brand models can be important tools to help forge more profound and more differentiated brand strategy ideas because they provide new lenses for looking at a brand. This paper explains Tait Subler's journey in creating the Mythic Status Brand Model by merging insights from modern brain science with lessons from ancient mythology. It demonstrates the successful application of the model for the Gucci brand.
To market, to market: How creative treatments of in-store branded content impact sales
Authors: Sciarrino Joann , Prudente John
Published: July 2024

This paper explores the effect of creative treatments for in-store branded content (also known as branded entertainment) on beer and wine sales for 48 campaigns across 85 grocery outlets. The effectiveness of creative treatments for in-store, at-shelf branded content, has been little researched. Study 1 measured test brand sales of in-store, at-shelf branded content versus same brand sales for no in-store, at-shelf branded content (control). Study 2 utilised factor analysis to uncover the underlying dimensions of the creative treatments for the test brands. Study 3 utilised partial least-squares structural equation modelling (PLS-SEM) to assess the importance and contribution of creative treatments on sales of the test brands during the campaign period. Data reveals that, despite the crowded visual environment of grocery retailers, in-store, at-shelf branded content for selected beer and wine brands had significantly higher sales versus the pre-campaign or control condition, with the creative treatments of empathy, emotion and message, film quality and local/sustainable garnering the strongest positive imputed relationships to sales.
Modifying model risk management practice in the era of AI/ML
Authors: Brotcke Liming
Published: July 2024

The model use of artificial intelligence (AI) and machine learning (ML) has caused unprecedented sensation around the wide applicability of these techniques. The rapid adoption of those alternative tools and methodologies by the heavily regulated financial sector, in areas that are outside the conventional credit lending and market participation, has posed significant challenges for model risk management professionals, including correctly defining AI and ML, properly establishing a governance framework, and, most importantly, effectively challenging AI/ML models. In this paper, the author attempts to describe the history of AI/ML, the evolution of key mathematical theories and modelling, commonalities and distinctions between statistical models and ML algorithms, and challenges of evaluation of some ML models. She discusses plausible solutions to practically address those challenges.
Secrets to successful bank and FinTech partnerships for credit and deposits
Authors: Bacon Rebecca
Published: July 2024

This paper aims to provide a road map to a successful long-term partnership between traditional financial institutions (FIs) like banks and credit unions with a financial technology (FinTech) platform. This is a summary of lessons learned from developing and launching over 200 bank/credit union partnerships with a FinTech lending platform. Drawing on experience with financial institutions of all shapes and sizes, this paper details best practices to create a scalable way of providing custom solutions to the problems faced by the modern depository institution. This includes a particular focus on lending/ credit products, and how the effect of FI and FinTech lending programmes can add value while mitigating risk. The paper focuses on depositories domiciled in the USA and the American banking system’s regulatory environment, but many of its themes will be applicable to international organisations.
Legal considerations when advising on business continuity
Authors: Andresen Erika
Published: July 2024

With the rise of climatic concerns and cybersecurity incidents comes the expectation that investments are made in business continuity measures. This expectation has legal teeth from the perspective of shareholders as well as regulatory bodies, contracting attorneys, vendors and supply chain entities. This paper explores the use of US legal system as a tool for enforcing liability and action from decision makers like the board of directors and C-suite officers, as well as between the parties of contracts. Shareholder derivative lawsuits, which occur predominately in the USA but have, as recently as 2020, started to include foreign-owned businesses, and breach of contract claims are two of the more prominent issues with business continuity tie-ins. This paper intends to arm the business continuity professional with a knowledge base about legal liability for failure to have a business continuity plan, an understanding of how disasters and disruptions will excuse the full performance of a contract and an ability to determine proper courses of action with respect to supply allocation after an incident.
Patterns for payment systems integration
Authors: Farrow Gary S. D.
Published: July 2024

Regulatory, industry and competitive drivers dictate that payment initiatives within a bank are many and continuous. However, a common situation is that the supporting IT systems have evolved in an ad hoc manner — there are often limited separation of architectural concerns, many tightly-coupled legacy systems and duplication of processing capability. Systems integration complexity is a limiting factor in determining how quickly IT changes can be achieved. These factors detract from a bank’s ability to respond to changes in the business environment. Selecting the appropriate architectural style for payments processing is therefore an extremely important activity. This paper presents architectural patterns for payment systems integration. These enable the selection of optimal architectural solutions for payments processing. Each pattern is described in terms of a number of generic Architectural Building Blocks and their interactions. The general characteristics of each pattern are compared, and the suitability of each pattern in supporting specific business scenarios is presented. The paper also introduces the concept of the Payments Integration Space, which defines the scale of the systems integration problem. This metric is used to illustrate the role of the patterns in reducing complexity. It is shown that two specific patterns, Payments Hub and Payments Service Bus, are candidates for the target end state. Given significant differences in characteristics of the two patterns, it is concluded that a bank must make an early and overt choice about selecting the most appropriate target end state for payment systems integration.
Smart robots and AI: Strategic approaches to data privacy and security law for digital marketers
Authors: Sachdev Raj
Published: July 2024

Smart robots are expected to increasingly be employed by consumers to improve their everyday lives in ways not seen before. Artificial intelligence (AI) applications in smart robots are changing the way smart robots are used and the way related services are consumed. Privacy and security concerns arise, however, with the implementation of innovative technologies for consumers as these collect and use personal data. While the law has not caught up with the technology, this is further complicated by the fact that there are no clear rules in some cases. European Union (EU), UK and US law require ‘appropriate’ or ‘reasonable’ measures to be taken and require the protection of personal data of consumers generally, including marketers of smart robots using AI. This is complicated by the complex nature of AI and the need to track consumers and collect data in order to provide personalised and effective smart robot services. Marketers should employ an interdisciplinary strategy to address these concerns and requirements including employing marketing, technical and legal strategies. This has wider implications for the marketing community as it becomes very difficult to not consider or build in technical and legal considerations.
Bridging the gap between IT and OT to improve industrial cyber security
Authors: Busalachi Dino
Published: July 2024

Understanding cyber security risks is important for everyone. In this paper you will gain perspective on the cyber security challenges facing organisations today that operate within manufacturing and critical infrastructure industries, across their information technology (IT) and operational technology (OT) teams. You will also gain insight into potential solutions. IT teams have evolved distinctly, prioritising data security, access controls and system hardening in networked computing environments. OT teams manage and operate industrial control system (ICS) equipment with specific requirements around reliability and uptime for the purpose of ensuring physical outcomes in manufacturing or critical infrastructure production environments. IT and OT have traditionally operated separately within organisations because they serve different functions. The lack of interaction and understanding between IT and OT has led to cyber security vulnerabilities and frustration between organisations. IT may want to patch OT systems but get pushback because downtime halts production. OT may distrust IT recommendations because they have historically caused operational disruptions. This tension has caused many organisations to avoid trying to connect these two worlds; however, as digital transformation and Industry 4.0 initiatives bring IT and OT systems together, new cyber risks emerge. Industrial Internet of Things (IIoT) devices, legacy equipment, unpatched programmable logic controllers (PLCs) and obscured asset inventories create vulnerabilities. Despite their differing perspectives and priorities, however, collaboration between IT and OT is essential to secure today’s converged environments. Discover proven steps that can be taken to bridge the gaps between organisations to provide greater security across the enterprise, while strengthening internal teams and improving business outcomes.
Metadata quality at scale: Metadata quality control at the Digital Public Library of America
Authors: Gueguen Gretchen
Published: July 2024

The Digital Public Library of America (DPLA) began aggregating data in 2012 and launched its public interface and website in April 2013. That initial set of 2 million records from 16 providers (some of which represented state or community-based aggregations themselves) has since grown to more than 20 million records from 40 providers, who collectively represent around 3,000 individual institutions across the USA. Over the last five years, work on metadata quality at DPLA has shown that to make good decisions about content, coherence and conformance to standards, providers must understand the context of the aggregation with which their records are being shared. This paper reviews the existing literature on metadata quality analysis, and provides an analysis of the metadata quality initiatives at DPLA. DPLA’s work shows that it is more effective to use a combination of automated and community-driven methods to improve data quality than to use either approach in isolation.
Best practice and remaining challenges for credit economic capital
Authors: Neale Corinne
Published: July 2024

This paper describes the current state of development of credit economic capital models among banks, particularly in Asia Pacific, and the challenges that must be addressed to meet regulatory and management expectations.
Defining student journey mapping in higher education: The ‘how-to’ guide for implementation on campus
Authors: Rains Jp
Published: July 2024

A definitive process for reshaping the student experience — student journey mapping — allows for campus administrators to draw unique insights from the perspective of their key audience. Rooted in creating a user-centric experience, the concept of user journey mapping, also known as customer experience mapping, can be a cornerstone for projects in higher education. From changing the way in which students are recruited to the way donors are engaged, the student journey mapping process can help good business practices evolve into great ones. This process will describe how to bring together quantitative and qualitative data from multiple campus stakeholders (staff, faculty, students, etc.) and translate these data into insights that can reshape the student experience. Most importantly, the process describes how to develop this into actionable information that a campus community can understand. This paper will define the process of student journey mapping and provide campus administrators with concrete examples. Additionally, details are provided on how to best capture qualitative and quantitative data sets to inform the journey map. Finally, the connection between these data sets and the implementation plan is detailed to allow for actionable items to stem from the creation of a journey map.