bluuebunny/crossref_metadata_2025 huggingface dataset:
World-class airport for a world-class city
Authors: Ahmad Iftikhar
Published: July 2024

New Orleans is one of the most interesting cities in America. It has received accolades for its centuriesold architecture, celebrated cuisine, parade pageantry and sounds of cool jazz. But New Orleans today is much more than that. As a community, it is a unique city of neighbourhoods with their own distinct character and flavour. It is the largest city and metropolitan area in the state of Louisiana. According to the 2010 US Census, its population was 343,829 and it continues to grow today as more and more visitors decide to become residents. New Orleans is charting a new and different course as a leading centre for culture and commerce, attracting high-tech jobs while becoming a hub for entrepreneurship. The city is blending the past with the present and the recent modernisation of Louis Armstrong New Orleans International Airport (MSY) is a fine example. The New Orleans Aviation Board (NOAB), the governing body of MSY, has recently invested over US$300 million to modernise the airport through remodelling and new construction. The NOAB is now soaring towards the future with a Long-term Infrastructure Development Plan that includes the design and construction of a world-class airport by 2018.
Beyond the hit-and-run tabletop exercise
Authors: Hansen Keith , Pounds Lea
Published: July 2024

Post-disaster is not the time to discover whether one’s business continuity and emergency plans work. To assess effectiveness, many organisations and businesses conduct exercises on a regular basis. A cycle of plan, train, exercise, repeat is a reliable method of continuously improving an organisation’s ability to survive a threatening man-made or natural event. For organisations that exercise their plans on a regular basis, interjecting a novel approach into this cycle is often a welcome change of pace. Long-term tabletops offer this change of pace and a number of other benefits such as time to formulate well thought-out responses, allowing ‘play’ from secondary and tertiary responders, and the flexibility to adapt the exercise in mid-stream. While no method of exercising is without flaws, long-term tabletops maintain the strengths of traditional tabletops while adding additional benefits.
Case study: Digitising Cleveland Museum of Art history one negative at a time
Authors: Hernandez Susan
Published: July 2024

The Cleveland Museum of Art Archives holds a collection of over 120,000 photographic negatives in a variety of sizes and formats documenting museum exhibitions, events, buildings, objects and people from 1914 to the early 2000s. An important asset to the institution, a portion of the collection was prioritised for digitisation and a team of library and archives staff worked together to make the many choices necessary to begin the project successfully. Always mindful of the costs and benefits of decisions regarding technical specifications, scanning procedures, metadata collection and access systems, the team strived for a ‘good enough’ approach that would make the most efficient use of available resources.
The customer journey: How customer touch points interact to drive increased loyalty, satisfaction and revenue
Authors: Grigsby Mike
Published: July 2024

Which touch point has the greatest impact on loyalty? Which channel has the greatest impact on customer satisfaction? Which vehicle has the greatest impact on units? In other words, where should marketing managers put their money? Should they invest in direct mail or price? Should they put more emphasis on call centre, website or store experiences? Do these decisions vary by segment? This paper describes a business case based on a client who asked just these questions. The study takes an analytic approach that starts with segmentation before combining point-of-sale data with marketing research. Then, using simultaneous equations, different insights are generated for each segment. This approach models how satisfaction feeds into loyalty and how loyalty impacts units that drive revenue, making it possible to calculate return on investment for a variety of portfolio tactics.
‘Is nothing sacred …? … not even the BAA?’
Authors: Campbell Colin
Published: July 2024

This paper tells the story of Ferrovial's takeover of BAA as seen from the perspective of a member of Citigroup's Global Banking Infrastructure Team and someone closely involved in the deal. After setting the scene of how and why the bid was conceived and the consortium put together, the paper goes on to describe how the takeover was mounted and succeeded, and the response of the UK aviation regulator. The paper concludes by considering the decision by the UK Office of Fair Trading to launch a market study of UK airports and the future implications this may have for BAA.
Towards European electronic identity: A blueprint for a secure pan-European digital identity
Authors: Wagner Eric , Mannino Matteo , Lauer Oliver
Published: July 2024

As cross-border digital services are expected to grow, a secure electronic identification will be a cornerstone of the digital economy. Besides some existing solutions at the member states level, the European Union (EU) is still struggling to reach a harmonised, comprehensive approach towards digital identification. The combination of a fragmented regulatory framework and an incoherent infrastructure has created a barrier to successful emergence of industry-led use cases. The European digital identity wallet (DIW) proposal announced by the European Commission on 3rd June, 2021, sets the bar high for an extension of the electronic IDentification, Authentication and trust Services (eIDAS) framework that might generate interoperable solutions. The substance of the actual solutions adopted by the members states, however, will much depend on the negotiations in the coming months between the private sector, member states and EU co-legislators. This paper develops a blueprint for a European digital identity in the financial services sector, which should provide sufficient security against identity thefts while protecting against synthetic identities. To this aim, a clear definition of standards is needed to provide portability, interoperability and sufficient data protection and privacy. The paper offers a comprehensive overview of both the necessary requirements and the major components for the design of a future pan-European e-ID (EUid), including know your customer attributes and their respective levels of assurance (LoAs). Furthermore, it outlines the prerequisites for designing authentication. The EUid solution should be founded on a robust trust framework, based on attributes provided and directly verifiable by their respective trusted issuers. The conclusions examine the potential role of the banking sector. Although EU regulators see the private sector as well placed to act as an identity provider for private individuals and legal entities, this alone would not guarantee a high LoA. Could banks think of a successful EUid business model, considering the rising number of national KYC utilities for corporates? A possible solution would be minimising costs via the creation of a common pan-European identity infrastructure centred around a public–private partnership, including actors from different industries.
The opportunities and challenges of civil aviation in India, Part 2: Communications, navigation and surveillance in air traffic management
Authors: Bhadra Dipasis
Published: July 2024

Civil aviation in India has developed rapidly in recent years. By expanding in line with economic development and tapping into latent demand, it has attained an average annual growth rate of 20 per cent. This rapid rate of expansion has only been possible due to its relatively modest starting point, however, and further growth will require massive investment in infrastructure, redesigning airspace and improving the overall air traffic management system, together with changes in procedures, while maintaining strict adherence to the international standards of safety and security. This paper reviews the country's civil aviation with a special emphasis on the present status of its communications, navigation and surveillance systems. Furthermore, it examines the country's human resources and institutional framework to provide some insights into the challenges that the country may face in the near term. The research underlying the paper was completed while the author was at the MITRE Corporation's Center for Advanced Aviation System Development.
Better data, better CRE cost-savings
Authors: Wales Phil , Mckissick Steven
Published: July 2024

Expanding on papers previously published in the Corporate Real Estate Journal (November 2010 and October 2012), CEO Wales and one of his firm's senior consultants are looking ahead at the next tier of savings that can be leveraged in commercial real estate primarily through technology. From ‘bringing corporate real estate business models into the 21st century’ to seeing ‘promising transformation’, the authors now discuss emerging efficiency opportunities, with major corporations taking a leadership role in cost reductions and savings. Much of the future's promise is resulting from innovative real estate and workplace technology systems that have provided an excellent foundation of better lease data, improved asset management through targeted data analysis, better management of space utilisation and enhanced utilisation of mobile work programmes through better technology and people tracking. On an ongoing basis, greater and more refined data allow for more macro analytics that, in turn, lets CRE drill down to discover more granular opportunities.
The Wellcome Library Collaborative Mental Health Digitisation Project: Lessons learned to date
Authors: Hancox Emma , Ahern Rioghnach , Thompson Dave
Published: July 2024

This paper sets out how the Wellcome Library undertook a large-scale digitisation project with partners from across the UK. The Mental Health Digitisation project asked partners to create digital surrogates of material they held, and, along with the metadata describing that material, deliver the surrogates to the library. The paper discusses how the project was set up, how third parties were supported and systems were put in place to automate the transfer of the images. Although this project is not yet completed, the paper sets out both processes used and lessons learned at this point in the project. Much has been learned through the project, including the importance of clear instructions and documentation, and the importance of face-to-face meetings when discussing complex issues. Indeed, one cannot over-emphasise the importance of clear communication when dealing with complex issues of data protection, copyright and privacy.
From good to branded: Using immersive design to deliver a positive brand experience for British Gas
Authors: Coomber Lee , Poore Jess
Published: July 2024

Brand perception can mean everything for a service company. Some of the supposedly most simple touchpoints (eg) application forms, order forms, customer billing, etc can actually have the greatest impact on brand perception. For instance, energy bills have long been perceived as a complicated and an unwelcome arrival on one's doorstep, with energy companies in general having a poor reputation when it comes to ‘being on the customer's side’. British Gas, which provides gas and electricity to 10 million households in the UK, recognised a brand perception problem. In early 2011, its managing director customers Phil Bentley, promised, that the company would become more simple, transparent and fair. A new bill, along with a new charging structure, was to be one of the important steps in keeping this promise. Lippincott worked with British Gas to transform the bill from a demand for money to a useful source of information that helps customers save money. This co-authored paper from Lippincott and British Gas, focuses on the principles of immersive design and discusses the case study in depth to provide readers insights into how to transform mundane touchpoints into a positive brand experience.
Hybrid trade shows are becoming the norm: What to know about trade shows going forward
Authors: Badalamenti-Montes Rosanna
Published: July 2024

As people have become acclimatised to spending huge amounts of time speaking with one another in the digital space, there has been a huge transition from physical trade shows to virtual events. This paper considers the advantages and disadvantages of both options, and finds that while in-person events continue to offer huge value in terms of networking and developing product knowledge, in a world where people meet and work online, there is a place for virtual trade shows as well.
TARGET2-Securities: What are the challenges and opportunities for CSDs and custodians?
Authors: Rosenkranz Katja , Kindler Tomas
Published: July 2024

This paper explores one of the most influential initiatives in the securities industry today: the TARGET2-Securities project launched by the European Central Bank (ECB). Based on the authors' direct involvement in the project since its inception and on their interactions with the industry, this paper summarises the concept of TARGET2-Securities, its direct and indirect drivers, and its achievements to date. Thereafter, the paper assesses how TARGET2-Securities fits in with other public and private initiatives, and identifies complementary agendas, along with potentially conflicting objectives and approaches. The paper also takes a close look into the fundamental open questions that remain to be answered in the near future in order to gain stakeholder commitment, relating to: (i) legal aspects; (ii) a governance concept for the project beyond the consultation phase, as well as for the running phase; (iii) a more detailed and thorough end-to-end business case; (iv) uncertainties during the interim phase between the launch of TARGET2 (cash) and the launch of TARGET2-Securities; and (v) the role of the newly announced CCBM2 project. Finally, it examines industry dynamics: (i) the general benefits for the market and those issues not being addressed; (ii) the impact on market infrastructures, and the required changes to their business models and approaches to ensure success in a world with TARGET2-Securities; and (iii) how market participants can benefit and which groups are well positioned to do so.
How can national policies support the development and implementation of coordinated vulnerability disclosure?
Authors: Vander Geeten Valéry
Published: July 2024

Every computer system or network may contain vulnerabilities. Therefore, vulnerability handling and disclosure are key elements of the cyber security technical, operational and organisational risk management measures of every organisation that develops or administers network and information systems. Coordinated vulnerability disclosure (CVD) policy or bug bounty can enable organisations to work together with well-intentioned people (ethical hackers) who look for and report vulnerabilities. The fear of being sued or the limited scope of the CVD can prevent such a collaboration. In the context of the implementation of the NIS2 directive, member states of the European Union will have to address the challenges posed by CVD processes. As a first attempt, Belgium has already adopted a national policy which includes a legal framework protecting vulnerability reporters and a coordinator role for its national computer security incident response team (CSIRT).
High-performance design, big data and energy management: Three critical aspects of smart buildings
Authors: Stonecipher Daniel R. , Williams Geoff
Published: July 2024

Emphasised by the current economic climate, today's property owners and managers are tasked with squeezing every dollar they can out of their facilities, planning and budgets. Given the global environment, energy purchasing and management are hot topics with everyone and high-performance building planning and design are key to maximising operational energy savings and overall high-performance building design goals. Standardising and benchmarking facility data and metrics to best gauge and guide the steps to high-performance goals and achievement are not easy tasks. Central to this strategy is a whole building and continuous data commissioning environment, which supports more meaningful ongoing operations, maintenance and as-built and facilities information, as a cornerstone of performance benchmarking. Data are just data until they become useful information. This transformation of useful data begins with a shared vision, strategy, practical standards, execution planning and implementation that includes the owner's high-performance design goals. Interoperability across multiple data authoring, analysis and management platforms such as building information modelling (BIM), geographic information systems (GISs), computer-aided facility management (CAFM) and integrated workplace management systems (IWMSs) is critical to data, locations and business intelligence integrity. This paper will discuss best practices, current technology and processes of how high-performance building design, data capture and management are best defined and utilised.
International manufacturing site selection (Part I): A comprehensive site analysis model
Authors: Glatte Thomas
Published: July 2024

This paper analyses methods used for the evaluation of sites as part of location strategies for corporations. Based on the available methods for site selection, which are pointed out, a comprehensive model for the analysis of manufacturing sites is developed and explained in detail. The internationally applicable model consists of ten phases. The application of common evaluation methods is explored and assessed. This paper is complemented by a separate paper (Part II), which will be published subsequently and will show the application of the methodology and prove its practicability through an international case study. It is the aim of these two papers to seek understanding of the challenges attached to site selection processes and, as a result thereof, achieve substantially improved results from future site selection projects or location strategies.
The UK's Online Safety Bill: The day we took a stand against serious online harms or the day we lost our freedoms to platforms and the state?
Authors: Dittel Alexander
Published: July 2024

This paper discusses the UK's Online Safety Bill, which is intended to protect vulnerable individuals online, although at the risk of promoting surveillance techniques and mandating proactive content removal by platforms. It analyses how the Bill, a very ambitious project, tries to safeguard vulnerable people through means which could be easily abused, and asks whether the risk of abuse that could affect everyone is worth the protection of a minority of online users. Recently demonstrated authoritarian approaches to solving the COVID-19 crisis make this concern palpable. The paper concludes by saying that once we take a path, it will be difficult to walk it back.
When leases end: Some thoughts on recently reported cases
Authors: Beckett John
Published: July 2024

This paper considers three recent cases that look at different situations when leases end. The first of these concerns a landlord’s determination to defeat a business tenant’s statutory security of tenure under the Landlord and Tenant Act 1954, where the landlord’s intention to redevelop was designed for that purpose. In particular, is the landlord’s motive relevant to their intention to redevelop? The second case looks at whether a tenant had failed to give vacant possession of premises on the break date in their lease, when they had served notice and given up occupation of the premises. In particular, had they failed to comply with a pre-condition for a valid exercise of the break option and thereby lost the opportunity to break the lease which then continued for a further five years? The final case considers dilapidations. Whilst a breach of a repair is a continuing breach, can a landlord by words or actions temporarily waive a tenant’s repairing obligation, such that the tenant is only obliged to repair the premises with effect from the date that the obligation is reinstated?
Managing bank risk through the crisis perspective from Malaysia
Authors: Thijs Jeroen , Bobker David
Published: July 2024

This paper considers the practical implications of the COVID-19 crisis for risk management in a bank in Malaysia and goes on to draw more general conclusions. It is suggested that standard strategic and credit risk-management practices will need to be taken to the next level in order for banks to better prepare for 2021. Recommendations have been given for improving stress testing and credit risk assessment so as to provide enhanced information on the basis of which difficult decisions can be made. In particular, it is suggested that greater use of reverse stress testing will be beneficial. This use should be coupled with more sophisticated relationships between macroeconomic scenarios and potential credit losses, which will give the bank management a much improved control over uncertainties in the macroeconomy. It is also suggested that banks apply a similar, more formalised (stress testing) approach to credit risk assessment of their larger customers so that a realistic assessment of their repayment ability can be made. Finally, some hard thinking about the future shape of banking needs to be carried out and positions taken in terms of technology, staffing levels, office space and product offerings.
A role by any other name: A content analysis of digital asset management on library and archives job boards
Authors: Reijerkerk Dana , Nyitray Kristen J.
Published: July 2024

A digital asset manager curates the sum of an institution’s knowledge in the form of digital assets. A cursory review of job advertisements reinforces the ubiquity of digital asset management (DAM) in library and archival contexts. However, it also reveals great variability in how this specialised work is articulated in advertisements, the credentials sought by employers and the salaries offered. This study assesses the state, scope and attributes of DAM positions using a content analysis of 98 unique job advertisements for DAM positions collected from library and archive job boards over a six-month period. Voyant, an open source text analysis tool, was utilised to yield word and phrase frequencies to aid interpretation of scope of work, position expectations and education requirements. The results provide insights to aid organisations in recruiting DAM librarians and archivists, guide students in forging career paths in DAM, and inform development of the DAM curriculum in higher education. To meet the needs of the field, the authors recommend clarity in DAM job scopes, developing technological and personnel capacity to support the work, and calibrating compensation among employment sectors to elevate the importance of the work and promote equity across the profession.
Recommended guidelines for the implementation of evidence-based design in healthcare construction
Authors: Christensen Scott
Published: July 2024

Implementation of verified research to improve the human environment is a process known as evidence-based design (EBD). Research on EBD has been ongoing at universities for the last 27 years. While previous research on EBD has sparked debates and created substantive knowledge on the effects of EBD in healthcare construction, the practical question of how best to implement EBD in healthcare construction has been overlooked. Developing guidelines for the implementation of best EBD practices in healthcare facility construction through consensus from a panel of healthcare, construction, engineering and architecture professionals was the focus of this study. The conceptual framework of the study included the theory of evidence-based practice, knowledge creation and triple-loop learning to support the modified Delphi research. The study generated nine responses that established group consensus for guidelines for the implementation of EBD in healthcare construction and their significance to each project. The findings in three rounds of the study stand alone in current research as a means and methods approach for teams to use ranked guidelines to focus leadership in healthcare, design and construction on the implementation of evidence from past projects to create innovative approaches to current projects.
`Linked Data for Libraries, Archives and Museums: How to Clean, Link and Publish your Metadata;` by Seth van Hooland and Ruben Verborgh
Authors: Weidner Andrew , Doane Michael
Published: July 2024

Linked Data for Libraries, Archives and Museums: How to Clean, Link and Publish your Metadata; by Seth van Hooland and Ruben Verborgh; Reviewed by Andrew Weidner. Information Governance and Assurance — Reducing Risk, Promoting Policy; By Alan MacLennan;Reviewed by Mike Doane.The Top Technologies Every Librarian Needs to Know; Edited by Kenneth J. Varnum;Reviewed by Mike Doane.
The rise of diaspora banking: Best banking practices on a global scale
Authors: Loginova Jane
Published: July 2024

How will the future of diaspora banking be delivered? An answer to this question necessitates examining the current best banking practices on a global scale that are spearheading the rise of diaspora banking. Although there has been a rapid rise in digital banking innovations, diaspora communities have historically remained underserved by FinTech products, but that is changing. This paper begins by providing historical context around the obstacles faced and explains how advanced technological innovations in diaspora banking bring new opportunities. Through detailed case studies from multiple corners of the world — from the Philippines to the Caribbean to Europe — the author explains how new FinTech products and services are achieving new levels of financial inclusion. Helping to solve the availability of money as well as the security of international transfers, these new products and services represent a more dedicated proposition targeting the growing segment of people moving between countries. It concludes that the essential elements of next-generation payment services include transaction speed alongside top levels of online safety and security.
Aviation infrastructure investment in China: Great needs, great opportunities and great challenges
Authors: Wang Xianping , Seiden Elliott
Published: July 2024

The Chinese economic miracle has been fuelled in large part by a flood of foreign investment. For a variety of reasons, airport infrastructure construction has yet to experience the kinds of foreign investment supplied to China's manufacturing sectors. For this, and other reasons, China's airport sector faces urgent and massive investment needs to ensure that under-investment in aviation infrastructure does not cause a bottleneck stifling continued GDP growth. This paper discusses the core economic and demographic fundamentals of the Chinese aviation infrastructure, which shows high levels of unmet demand and profound shortages of infrastructure to meet that demand, all of which strongly suggest that aviation infrastructure presents attractive investment opportunities, and will continue to do so for many years to come. The paper also documents a variety of legal, administrative and political challenges that must be addressed for investors to realise the full potential that investing in this developing sector presents.
Request to pay: Monetising the instant payments investment
Authors: Kulk Erwin
Published: July 2024

For the past few years, payment service providers (PSPs) have come together in an attempt to harmonise European instant payments. At the back end, the effort undertaken to transform PSPs’ internal processes and the underlying payment infrastructures to transact in real time has been impressive; however, despite the significant costs associated with this back-end modernisation, pan-European front-end payment solutions capable of fully leveraging instant payments — and the accompanying investment — are yet to be realised. This paper proposes that the solution to this problem is implementing a request to pay messaging layer between existing end-user payment interfaces and PSPs’ SEPA Instant Credit Transfer (SCT Inst) settlement layer. This layer would be used for the secure exchange of messages before the payment is executed to facilitate pan-European request to pay type solutions. This approach promises not only to bring the full value of SCT Inst to consumers, promoting increased levels of certainty, transparency and convenience, but also empowers PSPs to monetise their instant payment investments by enabling them to offer integrated value-added services to their customers around the payment process. This is the missing piece of the puzzle for European payments, and its implementation should prove a crucial step towards attaining a ‘complete’ European payments ecosystem.
Funding a future for digital collections at the University of Maryland Libraries
Authors: Pike Robin C.
Published: July 2024

The University of Maryland (UMD) Libraries have developed a sustainable, centralised digitisation infrastructure funded by a collaborative approach under the Digitization Initiatives Committee. This process has not only increased digitisation capacity and preserved and made many more of the Libraries’ collections accessible online, but has also influenced the infrastructure surrounding digitisation activities and the way the Libraries manage digital storage and preservation. This paper describes the history and evolution of digitisation, capacity for funding projects at the Libraries, and resulting future opportunities.
Big Data: Does it add to the bottom line?
Authors: Howell Christopher
Published: July 2024

In recent years technological advances have made large-scale data mining, analytics and forecasting solutions (‘Big Data’) less costly and more readily available to smaller institutions such as airports. This paper considers how Big Data can be utilised to enhance service and operations within an airport environment and whether using Big Data does in fact add to the bottom line, referencing case studies from Gatwick Airport. The paper suggests that, with the right combination of data analysis/data science capabilities in the organisation and the necessary alignment between operational, commercial and technology functions, Big Data does add to the bottom line, directly and indirectly, through automating decisions, embedding analysis in all functions for decision-making support and enabling wider information flow and collaboration in many areas, one of which is the machine learning required to derive bottom-line value from the Internet of Things.
Practical tips on grants: Finding, planning, writing, acquiring, reporting, assessing
Authors: Hewitt Patricia
Published: July 2024

The Fray Angélico Chávez History Library in Santa Fe, New Mexico received a large grant to catalogue its extensive collection of historic maps from the Spanish Colonial period through statehood and to the present day. The grant provided the extra personnel needed to make over 6,000 sheet maps available to the public through its online catalogue. This paper offers advice and examples on finding and writing a successful grant application for any type of library or archival project. No matter how large or small the grant or how large or small the organisation, these practical tips will assist with finding, planning, writing and reporting for grants. Post-grant assessment strategies, as well as keeping the momentum going long after the grant cycle is completed, are also addressed.
The common asset services platform
Authors: Bermingham Gerard
Published: July 2024

Financial institutions are striving to move towards an integrated common business model. Whatever the drivers, the integrated bank model necessitates change across the firm, from how the bank packages and sells its products, to the service groups that execute and support the business, to the technology on which it all runs. With recent advances in electronic messaging standards, such as extensible business reporting language (XBRL) and ISO 20022, and commonly agreed market practices, the move towards the common asset services platform is a reality. This paper examines asset services, operations and technology as applied to several business lines and identifies functions eligible for a common processing platform, such as the Golden Copy global hub. The common asset services platform enables banks to deliver enhanced client value through improved services across all their business lines; removes technology as a barrier to business convergence on the one hand, and leverages technology as a service differentiator on the other. Sophisticated tools alongside disciplined project management are the keys to success. The implementation can be taken in phases, meaning benefits are realised with each major project milestone. While careful analysis of the requisite investment and corresponding benefits is the foundation of any good project, the consensus is forming that the common asset services platform delivers real and sustainable value to banks and clients alike.
Adopting mobile payment channels: Key challenges for US financial institutions
Authors: Kapostasy Janet L.
Published: July 2024

A cultural communication change is happening around the globe. The world is going wireless. This paper discusses the evolving trend of wireless communications and how it relates to future business marketing, planning and activity. In particular, it examines the impact that text messaging and using mobile devices as a preferred method of communication across specific generations in the US will have on financial service institutions. As the text messaging generation is entering the job market and becoming the next core customer segment, financial institutions need to identify ways to attract this group to maintain and grow their businesses. The unique challenges that financial institutions will encounter in the race to gain the business of this core market segment are discussed. The choices and challenges facing each financial institution, including types and venues of mobile services and timing and target markets of service launches are examined. Additionally, reviewed alongside project management and marketing issues are the options and choices related to security and authentication in the new mobile channel. Lastly, the difficulty that financial institutions face when creating the business case for entering the mobile channel as an extension of banking services is explored.
Normative restraints on cyber conflict
Authors: Nye Joseph S.
Published: July 2024

Cyber security is a relatively new international problem. A decade ago, it received little attention as an international issue, but since 2013 the Director of National Intelligence has named cyber security risks as the biggest threat facing the USA. Although the exact numbers can be debated, various non-profit organisations have listed hundreds of state-sponsored attacks by a score of countries in the past decade. Many observers have called for laws and norms to manage the growing cyber threat. In this paper the author outlines the key normative restraints on cyber conflict. The author draws on the development of international norms in recent history to offer insights into the formation of normative restraints in the cyber realm.
Social media-first marketing: A case study of leveraging influencers
Authors: Smith Nicole
Published: July 2024

Generation Z spends most of their day on mobile devices and institutions are trying to disrupt that space to encourage engagement with their brand. In October 2016, Drake University leveraged social media, public relations and word-of-mouth tactics to lure a world-famous rapper (Drake) to its campus, eventually resulting in the most traffic to its website since it was created in 1997. This paper will discuss the ways Drake University benefits from a social media-first strategy approach, examples of how they are adopting this strategy and why other institutions may benefit.
Using lift-testing to measure the true value of digital marketing in the cross-device world
Authors: Williamson Dominic
Published: July 2024

Digital marketing attribution faces a number of challenges as the online landscape evolves. Flaws in last-click models are being exacerbated by the growing move to cross-device usage. With this trend unlikely to change, it is clear that accurate digital marketing measurement requires an understanding of the behaviour of people, rather than devices. This paper presents lift-testing as a methodology that allows for the building and validation of a robust cross-channel digital measurement framework. Examples are provided to show how lift-testing can be used drive more accurate spend decisions than last-click models, as well as how it can be used for both between- and within-channel optimisation. This paper also calls for a shift in mindset within digital marketing analysis to ensure a focus on true incremental impact from both advertisers and publishers.
Navigating the world of retail media
Authors: Gees Christian
Published: July 2024

Since its inception in e-commerce, the growth of retail media advertising — a concept originating in point-of-sales advertising in brick-and-mortar commerce — has been explosive. The rise of retail media presents a multilayered challenge for brands as they determine how to navigate what sites might present optimal combinations of visibility, ready-to-buy consumers, brand awareness boost and other related factors. This paper will briefly describe the essential components of successful implementation of retail media and discuss the concepts behind each. Research indicates that driving revenue through retail media advertising requires a strong focus on a full-funnel strategy that addresses all components of a consumer’s buying journey and incorporating that strategy into data-informed decisions that invest in specific areas pertinent to those most likely to buy a brand or product. This paper presents some results of research conducted by ChannelAdvisor to identify where consumers have been beginning their buying journeys and where they are conducting research about the products in which they are interested. Further discussion includes techniques to identify and convert new audiences, increase consumer engagement and foster loyalty through effective retail media and related digital marketing strategies.
A framework of purpose and consent for data security and consumer privacy
Authors: Pols Aurélie , Schiffers Oliver
Published: July 2024

Does the old adage of the data warehousing projects from 20 years ago ‘let’s collect it all and see what we’ll do with it later’ still stand today? Or should the modern line of thinking be ‘Big Data is killing the privacy framework’? Surely technological evolution has propelled data collection towards new agile high grounds, where respecting privacy regulation and avoiding the customers’ feelings of violation can no longer be considered as a pipedream. This paper starts by introducing a basic privacy framework, emphasising purpose and consent as areas requiring urgent development. It continues by exploring data minimisation opportunities and related internal procedures to assure that this framework is respected and aligned with global regulation. The paper argues that, in light of increased data collection, the very notion of PII or personally identifi able information is more than a vague concept and that necessary deidentification of data is not as easy as is suggested. Indeed, instead of focusing on the data alone, the conversation should also consider how the data is being used. This begs the question ‘what risk does an individual face if their data is used in a particular way?’ Borrowing from Spanish information security best practices and in light of increasing data breach regulations, the paper examines how data fl ows and merging of data should be defi ned and secured in order to assure accountability through an entire data life cycle. Such life cycles must also include evolving legislative minimal and maximum data retention periods, after which action must be taken, either through anonymisation of collected and used data or through its thorough deletion. Finally, data transits through multiple systems, hosted within multiple environments, ranging from internal and national to international cloud-based solutions. Each actor in this data chain has a role to play and responsibility to abide by in order to assure compliance
and mitigate risk.
Compiling user experience metrics via quantitative and qualitative methods
Authors: Leary Patrick C.
Published: July 2024

User experience as a discipline aims to apply intuitive approaches for users to engage with digital products. Defining foundational measurements and packaging recommendations clearly during syndication with stakeholders and peer teams allows strategy leaders to adjust as needed to maintain a holistic understanding of status and product direction while simultaneously making features more streamlined. This paper explores the benefits of assembling handoff material to measure and frame user experience measurements. It argues that there is a growing opportunity to improve upon digital product goals and ways to syndicate with teams across multiple disciplines.
Trust, flexibility and technology: The keys to creating a more mature workplace
Authors: Souza Luis De
Published: July 2024

Priorities and behaviours in the workplace have been transformed by the COVID-19 pandemic — and business leaders are having to steer their employees through the new world of hybrid working without a roadmap. It is too soon for best practice to be established, and each organisation must discover its own way to succeed. Following the dramatic move to home working forced by the crisis, however, old assumptions and habits have been cast aside. Companies have learned to trust their staff to work hard while out of sight — and employees have enjoyed the responsibility. Bosses are being urged to manage with more empathy, designing work around employee-driven flexibility and better collaboration. So as the workplace continues to adjust, how do workplace leaders continue to respond advantageously to the changed demands of their staff and the evolved requirements of their organisations? Hybrid working, combining remote and in-office activities, can bring benefits in terms of staff well-being, talent retention and — as lockdown working proved — productivity. It also offers potential for reductions in corporate real estate costs and for the more effective utilisation of valuable space. This paper outlines why trust, flexibility and technology are the keys to creating a more mature and democratised workplace, and how business leaders can design their space for a more profitable and productive future.
An evaluation of AT&T social marketing delivery modes aimed at teen smartphone use while driving
Authors: Diehl Francene Scott , Marín Luz Stella , Zreiqat Majed
Published: July 2024

Effective social marketing to teens may contribute to reducing the likelihood of death behind the wheel. This study examined whether the virtual reality (VR) technology utilised as the primary messaging delivery mode in AT&T’s ‘It Can Wait’ social marketing campaign has had any impact on teens’ beliefs and behaviours regarding smartphone use while driving. Students’ beliefs and behaviours were evaluated using Ajzen and Fishbein’s theory of planned behaviour (TPB). The study also evaluated whether any TPB construct scores were predictors of behaviour intentions, and whether behaviour intentions, perceived behaviour control and type of AT&T delivery modes were predictors of future smartphone driving behaviour, and finally, determined teen preference for one type of social marketing delivery mode. The study found that the type of delivery mode did not significantly change the TPB construct belief scores. However, when comparing VR, video and PowerPoint lecture delivery modes, teens displayed a significant preference for VR social marketing. Teens’ TPB normative beliefs, attitude beliefs and perceived behaviour control beliefs associated with smartphone use while driving were predictors of behaviour intentions, and behaviour intention scores were a predictor of future driving behaviour.
ESMA guidelines for securities lending: ‘Gaming’ the regulator?
Authors: Miller Alan
Published: July 2024

Alan Miller, the CIO of SCM Private, comments on the practice and regulation of securities lending in the UK, following implementation of the European Securities and Markets Authority (ESMA) rules in July 2012, and calls for asset managers to pass on the securities lending income to fund holders for a reasonable fee, which he suggests would be 10 per cent of income or less.
Commercial real estate stress testing in community banks: The low stress kind
Authors: Jones Brian W.
Published: July 2024

Stress testing has been identified as the most effective method currently available for analysing concentrations in banking portfolios. For community banks, stress testing does not need to be overly complex or involved. In today's constantly evolving regulatory environment, community banks must understand the increasing risk inherent in their lending portfolio. Whether commercial real estate (CRE) stress testing is performed on an internal basis or by a vendor it remains an important tool in evaluating risk. The process itself brings important benefits in structuring of loan data and quantifying the portfolio's risks. This article will present a framework for understanding and performing CRE stress testing in community banks that is gradative in practice and, in some respects, goes beyond the standards adopted by regulators.
Creating a culture of philanthropy starts with current students
Authors: Gabbert Jeri Patricia , Wright Leeann Z.
Published: July 2024

In an effort to nurture future fundraising success, higher education institutions are refocusing their advancement efforts on educating current students about the importance and impact of philanthropy. Creating a culture of philanthropy starts with financial resources, campus collaborations and engaging current students. Student philanthropy engagement can lead to stronger alumni affinity and increased financial support. This paper explores the development and implementation of student philanthropy programming, utilising the case study of Indiana University Northwest, a non-residential urban campus located in the Midwest.
DevOps security improvements through effective use of container technology
Authors: Goldschmidt Murray
Published: July 2024

The move toward cloud-native deployments will diminish the use of traditional server-based, hypervisor-driven virtualisation that delivers virtual machines (VM). As a result, the adoption of application-centric, container-based virtualisation will escalate. Containers and VMs are similar in their goals: to isolate an application and its dependencies into a self-contained unit that can run anywhere.1 Since cloud deployments are heavily geared towards agility, optimisation and automation, container-based technologies are riding the wave of rapid adoption, particularly in DevOps-oriented environments. Containers provide great flexibility for DevOps teams to tool up for frictionless service delivery life cycles. This presents an almost unprecedented opportunity to embed security into the software delivery pipeline, rather than graft on security checks, container monitoring and policy for access controls as an afterthought.2 Containers are not without problems, however. From a security perspective, if left unchecked, the technology is susceptible to many issues including supply chain risks and many forms of vulnerabilities originating from poor configuration and operational management. This could result in production environment compromise through targeted cyberattacks. This paper addresses the key activities to achieve hygiene in high-velocity, security-focused DevOps deployments.