bluuebunny/crossref_metadata_2025 huggingface dataset:
Optimising board oversight of compliance as a risk governance instrument
Authors: Niemi Ilona
Published: July 2024

Technological advancements, extended understanding of board members' fiduciary duty and corporate scandals have put an increasing focus on board oversight of compliance as a risk governance instrument. To build and sustain board oversight of compliance, which satisfies regulatory obligations, organisational requirements and boards' needs, is an ongoing challenge and requires significant focus by compliance teams at financial services organisations. This paper outlines a framework for board compliance reporting as a two-way communication process to ensure that boards remain on top of their oversight obligations in today's era of trust, in which stakeholders are more broadly seeking an effective demonstration of organisations' compliance responsibilities. In this practice paper five core levers are defined which are required to be in place in the board compliance reporting, in order to optimise board oversight of compliance as a risk governance instrument: adaptability, empathy, active listening, transparency and effective dialogue.
Failsafe points in data centre disaster recovery response
Authors: Neal Russell
Published: July 2024

Certain social psychological variables can result in delays to essential steps in IT data centre disaster recovery response, including the formal declaration of disaster. These delays can result in failure to meet recovery time objectives, additional financial losses, regulatory issues and a significant loss of customer goodwill, all beyond what would have been incurred in the absence of delays. This paper describes a failsafe model to counter these variables. The model will help ensure that any disaster recovery response step earmarked as a failsafe point is completed in a timely manner, from the moment of disaster to the resumption of business.
Cracking the code: The keys to a successful business impact analysis
Authors: Williams Teresa , Resto-Leon Maria
Published: July 2024

The business impact analysis (BIA) is a major component of risk management and business continuity planning. It is the process of assessing the impact over time of a disruption on the organisation’s people, products, services, and to its customers. This paper offers guidance on establishing and completing a comprehensive BIA that represents the organisation, department or process to achieve compliance and, ultimately, resilience. To remain competitive, organisations must examine and adapt their BIAs when circumstances change, whether internally or externally. This paper provides a formula to ensure the BIA is developed methodically. By considering organisational culture and standards, internal and external assessment requirements, and standardised analysis calculations, the organisation will create a BIA that closely reflects its environment and yet still provides scope for improvement. The paper also considers metrics and planning activities to support BIA design. By following this guidance in this paper, organisations will be better able to crack the BIA code and take a value-added approach to business continuity planning.
Digital halo: Strategies for building online personal reputations
Authors: Chong Mark , Choudary Sangeet
Published: July 2024

Executives and entrepreneurs have traditionally built their personal reputation through non-scalable offline activities such as giving speeches and publishing books. However, the internet and social media have made it possible to build substantial personal reputations principally or exclusively through online means. Most reputation-building principles that apply to the offline world also apply online. However, the networked nature of the web makes online reputation building unique. While there are frameworks that explain how firms may develop their corporate reputation, there is very little literature on how individuals may develop their reputation online. Using a purposive sample and qualitative content analysis, this paper analyses content about (or by) 30 individuals who have built substantial online personal reputations. This exploratory study proposes a framework for executives to build a personal reputation online. It shows that by combining spiking and sustaining strategies with the building blocks of content, credibility, community and/or controversy (the ‘4 Cs’), executives and entrepreneurs may start to create online reputations for themselves.
Financial stability and nonbank financial institutions: Lessons from COVID-19 — What worked and what needs to be addressed
Authors: Cound Joanna
Published: July 2024

This paper summarises the key events in the market turmoil of March 2020 and the official sector’s interventions. It then sets out the lessons we have drawn from COVID-19, identifying what worked and what we believe needs to be addressed. Finally, it details our policy recommendations and areas for future policy debate.
A decade after the Personal Data Protection Act 2010 (PDPA): Compliance of communications companies with the notice and choice principle
Authors: Alibeigi Ali , Munir Abu Bakar
Published: July 2024

The massive and implausible advancements in the fields of information and communications technology, and especially the internet, have increased both the value and threats to the information privacy of individuals. The Malaysian Personal Data Protection Act 2010 (PDPA) was a governmental endeavour to protect the information privacy of the citizens. However, the Act's output and the level of compliance by the data users are in a halo of ambiguity. This qualitative study using the document analysis aimed to find out to what extent the communications companies comply with the Act. Hence, the privacy policies of these companies were evaluated in line with the requirements of the Act. The results indicated that more or less all samples failed to satisfy the PDPA requirements. The solutions provided by this research can be used as practical guidelines to draft a Standard Privacy Policy. The suggestions also would benefit the Personal Data Protection Commissioner in performing his duties and functions.
Building a digitalised society: Opportunities and challenges of Austria’s three-pillar system of digital education
Authors: Riepl Andreas
Published: July 2024

In 2016 the Austrian Federal Ministry of Education, Science and Research initiated a network that combined all projects related to education and the digital agenda, called eEducation. The aim of the network, membership of which is free, is to help schools develop their digitalisation concepts. It distributes yearly funds for further teacher education to schools based upon their development level within the network. All central strategies related to digital developments are coordinated with the network. Two annual conferences help educators connect and exchange thoughts on using digital media in classroom work. eEducation is based at the University of Education in Upper Austria. Recent developments, notably the digi.case initiative in primary schools and the eight-point action plan, have achieved a good coverage and acceptance within the teaching community. Digital reference frameworks such as the European DigCompEdu and DigComp as well as national frameworks such as digi.komp4, 8, 12 and P are used for assessment purposes for both students and teachers. The new compulsory subject ‘Basic Digital Education’ has been introduced in 2022 for lower secondary schools (levels 5 to 8), based on an initiative for further teacher qualification which is offered by the Universities of Education throughout Austria. Teaching this subject involves using a competency-based concept that combines knowledge about how technology works but also what this means to the individual and society. All lower secondary schools in Austria participating in the device initiative as part of the eight-point action plan were able to choose the technological base; further teacher education is being undertaken related to the specific settings of each school. Financing is provided by the Federal Ministry. The eEducation network focuses on strengthening the digital skills of teachers to enable them to use digital media during classroom work, which also helps to develop digital competences of students. Organisational development is also taken into consideration by providing tools to develop digitalisation concepts. State coordinators of eEducation are part of the network and give feedback and support to schools. The Johannes Kepler University Linz is monitoring the developments of both the network and national digital strategies and publishes research findings. The overall purpose of all these initiatives is to build a well-established structure of a digitalised society in Austria.
Innovation strategies for managing payments business in Europe
Authors: Mehta Rajesh , Pakcan Ebru
Published: July 2024

Banks in Europe are continuously contemplating innovation strategies for their payments businesses. This paper discusses the need to revisit the business model for payments as a first step to defining any innovation strategies, and also looks at possible approaches for adopting such new business models. These approaches are further explored through practical examples in financial markets as well as other industries. Innovation strategies for sustainable growth and profitability in payments products and services are advocated as value-added services and renovation of end-to-end client processes beyond application of new technologies.
Screening for self-directedness: A method for recruiting savvy analysts in a dynamic business environment
Authors: Dapko Jennifer L. , Snyder Gregory J.
Published: July 2024

Analytics is changing at the speed of thought. If analysts are not capable of and motivated by self-directed learning, they will be left behind and their organisations will be left scrambling to keep up with their competitors. Even the best company-directed learning programmes cannot always keep pace with this change, and most analysts will find company-directed technical training falling short of their needs. Self-directed learning enables analysts to stay relevant and motivated in a quickly changing business world, and self-directedness is a key employee characteristic in creating adaptable and flexible organisations. This paper discusses ways in which hiring managers can screen analysts for self-directedness during the interview process. As important as it is for hiring managers to recruit a workforce with self-directedness, it is equally important to set up an environment where a self-directed learner can thrive and utilise those skills. Therefore, this paper will also discuss ways in which organisations can nurture selfdirected learners once recruited.
Landfill diversion through robust data collection and analysis at Portland International Airport
Authors: Jones Stan , Timmerman Lisa
Published: July 2024

This paper provides a summary of successes and challenges in waste minimisation at Portland International Airport (PDX). The Port of Portland benefits from a partnership with Portland State University's Community Environmental Services (CES) programme, which allows the Port to maintain one of the most comprehensive and detailed airport waste management databases in the nation. The paper describes the importance of collecting data and how to collect data and use the information to make programme management decisions. The ten-year partnership with CES also has created capacity for PDX's waste minimisation programme to influence behaviour change through education and outreach and to explore innovative solutions such as liquid collection stations, intuitive waste receptacle design and a food donation programme. The Port's waste minimisation programme has tackled challenges with diverting deplaned waste from the landfill and identifying options for difficult to recycle materials. Finally, the paper offers lessons learned in waste minimisation that focus on data collection, building relationships and partnerships, and understanding behaviour change.
Accidental expert: Experiments in sustainable restaurants and food retailing
Authors: Potts Dawson Arthur
Published: July 2024

Drawing on a vision of more environmentally aware, locally-based and less wasteful businesses, the author describes two restaurants he designed and ran: Acorn House and Water House. The paper continues with a description of The People’s Supermarket in Lambs Conduit Street, London — founded by the author as a not-for-profit, cooperative, social enterprise, members’ supermarket. It is an initiative that echoes Government thinking on both Localism and The Big Society, with the emphasis of the business being to create better local food distribution. Members receive a 10 per cent discount at the tills in return for 4 hours a month voluntary work at the supermarket.
Privacy threats and vulnerabilities: Reinvent your privacy engineering practices and win
Authors: Sriharsha Smitha
Published: July 2024

The ever-changing paradigm of data generation, storage and consumption has led to the exponential growth in data incidents. The year 2021 has been the year of highest data breaches exposing personal information of millions of users. The root cause of these data breaches ranges from vulnerabilities in unprotected databases, misconfigurations in cloud systems, ransomware, malware or slip from marketing service providers. Most organisations have strong privacy organisational functions that are compliance-focused; however, they lack privacy engineering functions focused on embedding privacy into the engineering practices. This paper makes recommendations about privacy engineering best practices that can help prevent, detect and mitigate privacy threats and vulnerabilities and provides information about appropriate privacy and security controls to mitigate the privacy risks. It also provides a practice lab section which serves as a practical playground to apply the above concepts.
Technological innovations as a factor driving the evolution of central securities depositories’ business
Authors: Krasnova Maria
Published: July 2024

The consistent trend towards dematerialisation and key business process automation in securities markets, developing around the world over the last years, has shaped the business model of an average present-day central securities depository (CSD). This paper analyses the impact that technological innovations have on the business of CSDs, assess the nature of that impact and figure out what lies ahead for CSDs in the age of technological revolution and transformative changes.
Map-enabled experiential review: A novel approach to engaging healthcare staff in quality improvement
Authors: Cohen Donna R. , Cohen Philip J. , Anderson Vitas
Published: July 2024

A common barrier to continuous and sustainable improvement in many organisations is the lack of staff engagement with quality improvement. In the healthcare sector, the failure to engage staff with quality has been associated with preventable patient harm, which persists despite more than two decades of emphasis on safety and quality in this sector. This paper describes a novel approach — map-enabled experiential review (MEER) — that has significant potential to address staff engagement issues and produce meaningful improvement outcomes. The MEER approach uses map-based simulation of organisational processes to enable structured conversations among staff about their daily implementation of those processes as a means of identifying and addressing latent safety threats and other areas for improvement.
Community Emergency Response Teams and disaster volunteerism in Latin America
Authors: Lyttle Matt , Poblete Patricio , Encinas Liliana
Published: July 2024

While it may be more common to think of a disaster volunteer as someone from outside the community who comes to assist during times of need, it is important not to forget those members of the community who are well poised to build grassroots resilience when provided with the necessary training and tools. This paper examines the state of disaster volunteerism in Latin America and Spanish-speaking communities in the USA who have been exposed to the Community Emergency Response Team (CERT) programme, with an emphasis on the perceptions of and motivations for grassroots volunteerism from the perspective of both local emergency managers and CERT volunteers. The research team developed an online survey and shared it with active Spanish-speaking emergency management groups throughout the USA, Mexico, Central and South America. Conducted over nine days in October 2022, the survey collected 40 responses from the target demographic. The results show that enthusiasm for disaster volunteerism is high throughout the communities surveyed. Established disaster volunteer training programmes like CERT and LISTOS have already been successfully exported from the USA to Chile, Honduras and Mexico. An international community of emergency managers should consider how else to support grassroots preparedness activities in Latin America to ensure that local communities are empowered to direct their own resilience-building initiatives.
Strategic business models under open banking: A guideline for incumbent banks
Authors: Long Nguyen Hung Huynh , Megargel Alan
Published: July 2024

Since their emergence, FinTechs have been rapidly propagating and capturing market share from incumbent banks. These newcomers are responsible for most of the industry’s recent innovations, besides being more agile and customer-centric in their delivery of innovative banking products to the market. With the advent of the open banking era, FinTechs now have the support and encouragement from regulators to compete for business on a level playing field alongside traditional banks. A partnership between banks and FinTechs can leverage each side’s strengths, thus maximising returns for both. This paper discusses, from an incumbent bank’s perspective, what role in a FinTech partnership it should take or, in other words, what kinds of strategic business models it should follow within an open banking framework. Towards this end, we have performed an evaluation considering both academic and practical resources in this discipline. Industry case studies of incumbent banks fulfilling various bank-FinTech partnership roles are presented in this paper. Our findings suggest that banks should consider open banking strategic business models based on their total internal resources and product offerings, as well as their appetite and readiness for participating in the application programming interface (API) economy.
Diversity and inclusion is key to Marriott International’s success
Authors: Perkins-Chavis Maruiel
Published: July 2024

In a world that is becoming increasingly fast-paced and complex for marketers, with shifting demographics and new technologies, Marriott International has successfully seized the opportunity and navigated its marketing to multicultural and generational audiences in meaningful ways. This paper explains how Marriott has leveraged its long-standing inclusive culture, which welcomes all, to achieve not only business objectives, such as brand preference, but also a multicultural mindset among its associates. Taking a collaborative approach both inside and outside its organisation, Marriott devised an immersive educational programme around cultural competence, taking associates out of seminars and webinars into real-world cultural experiences. Marriott has invited guests, affinity groups, vendors and its own population of associates to co-create and evolve its ideal in welcoming all who walk through its doors. Marriott understands that having a multicultural mindset that generates loyalty works both ways, as exemplified by its Chief Executive Officer Arne Sorenson, an outspoken advocate of diversity and inclusion in general. Marketing and branding derive from knowing your customers, but today it is also about standing shoulder to shoulder with them – in good times and bad.
The repair and conservation of Capel Peniel, Tremadog
Authors: Roberts Gethin
Published: July 2024

The roof of Capel Peniel, a Grade I listed chapel in Tremadog, north-west Wales, had succumbed to leakages and falling masonry for the best part of a decade following its closure in 2010. The chapel’s exterior fabric had badly deteriorated and was subsequently placed on the local authority’s buildings at risk register. The roof had to be repaired in its entirety, which was carried out alongside specialist local contractors, featured like-for-like repairs, random diminishing Ffestiniog slate courses, brand-new cut slate copings along the front gable end, repair and replacement of structural timber members and replacement of cast-iron rainwater goods. This paper seeks to explain the thinking behind the steps taken to make the chapel weathertight while preserving and sympathetically altering historic details that give its unique character. It examines the identification and assessment of problems with the original historic detailing and some more recent interventions, which were the root cause of the roof’s demise, before executing concepts that could be perceived as pushing the boundaries of conservation practices.
Case study: Customer-centred transformation at E.ON
Authors: Lece Brendan
Published: July 2024

What has been true for 100 years is no longer true. The energy market as we know it has been irrevocably disrupted by the emergence of new technology and accelerated by a new political agenda. To win in the new energy landscape, E.ON has taken the decision to put the customer at its centre. Moving from a focus on generating energy and retailing gas and electricity in a commodity market, E.ON will provide new solutions to customers to give them greater control over the way their energy is generated and consumed. To achieve this, E.ON is building on a customer experience programme using the Net Promoter Score (NPS) as a way of tracking progress. This paper explains the structured way in which the kind of change that matters most to customers was delivered at E.ON and the impact it has had on its customers.
Strategies for reversing and eliminating physician burnout
Authors: Frisina Michael E.
Published: July 2024

Researchers have been paying attention to the correlation between physician burnout and patient safety and quality for more than a decade. That same research verifies a correlation between the lack of emphasis on physician wellness and the increase in physician burnout, compassion fatigue and suicide. According to Tait Shanafelt, M.D., director of Mayo Clinic’s Programme on Physician Well-being, and John Noseworthy, M.D., president and CEO, Mayo Clinic, more than half of US physicians are experiencing symptoms of burnout, and the rate is increasing. Against the backdrop of the rise in physician suicides, this paper will focus on creating a conceptual understanding of burnout, while highlighting strategies to increase physician wellbeing and mitigate the impact of burnout on patient outcomes. A collaborative, systematic, programmatic effort of healthcare leaders across the country is essential to make a significant contribution to improving physician wellness and impacting the improvement in the delivery of patient care.
The Hispanic marketing paradigm and the needed shift: A Kuhnian perspective
Authors: Beniflah Jake , Razo Pamela
Published: July 2024

Over the last 40 years, significant shifts in the US demography, media and technology have transformed the face of marketing. At the same time, however, marketing to US Hispanics has undergone little change. This paper uses the philosophy of science to analyse the past, present and future of marketing to Hispanics at a time when the country is on a path to becoming a multicultural majority. The paper argues that a paradigm shift in marketing to US Hispanics is inevitable, and a conversion rooted in epistemology can only benefit brands, advertising agencies and media companies. The paper provides an overview on: (1) Thomas Kuhn’s original work, detailing the structure of paradigm formation and change; (2) the creation of the Hispanic marketing paradigm; and (3) the proposed shift in marketing to drive corporate growth with US Hispanics in the 21st century.
‘Check yourself before you rec. yourself’: Eight things to consider when embarking on a reconciliation project
Authors: Chapman Andrew
Published: July 2024

Reconciliations are arguably a firm’s most vital function. Not only is it the
last line of defence to guard against error, but it ensures the safeguarding
of the firm’s assets and is the ultimate evidence of fiduciary
responsibility. How can a firm looking to overhaul its reconciliation
operations avoid certain pitfalls and ensure a more seamless integration?
This article details eight key areas firms should explore before or during
their next reconciliation project. Understanding the intersection of people,
process, technology and data will greatly increase the chances of successful
implementation and business adoption. While the author concentrates much of
the article on consideration for reconciliations initiatives, many of these
ideas are easily transferable to any project.
Spring back to campus: Unique campus events for top prospects
Authors: Gomes Allison , Keedy Ashley
Published: July 2024

Development events played a vital role in the success of Smith College’s record-breaking US$486m Women for the World campaign — the largest total ever raised by a women’s college. In the midst of the campaign, Smith commenced a new, integrated, donor-centred events programme to help develop a pipeline to larger philanthropic gifts. A key component of the new programme was a unique series of multiday immersive back-to-campus experiences for small groups of high-level prospects. Designed to showcase the ‘Smith of today’, these events featured key administrators, faculty members and students who illuminated the college’s top fundraising priorities and engaged participants in meaningful conversations about Smith. One of the most successful examples was the Spring Back to Smith programme for 50th reunion donors, volunteers and leaders. Spring Back to Smith resulted in multiple major and planned gifts including the documentation of a more than US$9m estate gift. Using Spring Back to Smith as a case study, this paper examines how a well-planned campus event can engage donors in powerful ways, fostering deeper connections and greater philanthropy.
Managing operational risk: Moving towards the advanced measurement approach
Authors: Mccormack Peter , Sheen Andrew , Umande Philip
Published: July 2024

This paper focuses on the management of operational risk using scenario analysis, loss data, business environment internal control factors and modelling approaches to get a better understanding of the firm's forward-looking risk profile, and, via scenario analysis, the risks that pose the biggest threat to a firm's ability to meet its strategic objectives. The paper is a follow-up to a 2013 paper by McCormack and Sheen, entitled ‘Operational risk: Back on the agenda’ (Journal of Risk Management in Financial Institutions, Vol. 6, No. 4, pp. 366–386) and illustrates issues to be considered when progressing from the standardised approach to the advanced measurement approach.
Developing public–private partnership based business continuity management for increased community resilience
Authors: Watanabe Kenji
Published: July 2024

Within its long history of natural disasters such as floods and typhoons, Japan has experienced several large-scale earthquakes in recent years with disruptions to critical societal functions spreading over a wide area due to interdependencies within supply chains. This paper discusses the requirements for effective public– private partnership (PPP) and describes the necessity and weaknesses of existing PPPs. Existing one-way PPPs have their drawbacks, but combined with a financial incentive, PPP through intermediates can provide an effective approach to enhancing societal resilience. Balancing regulatory pressure and the market mechanism is important for the successful implementation of PPPs.
More than housing: The critical role of housing and homelessness NGOs in responding to the conflict in Ukraine
Authors: Duce Patrick
Published: July 2024

The war in Ukraine presents Europe with one of the largest housing emergencies that it has ever faced. European Union (EU) member states have acted swiftly to trigger temporary protection measures which have been successful, but on a local level the gaps in provision are felt by civil society. In neighbouring countries to Ukraine, much of the role of supporting refugees has fallen on housing and homelessness organisations already struggling in the face of a regional housing crisis and lack of affordable social housing. The author discusses the implications of this, and shares experiences from frontline organisations being forced to offer a full range of social services to refugees and respond to the crisis in real time.
Heritage at risk — benefits of collaborative working : A case study of Necarne Castle, Irvinestown, Co. Fermanagh
Authors: Avent Jon
Published: July 2024

The heritage sector, and more specifically the growing list of buildings at risk across the UK, presents wide-ranging changes to owners, heritage bodies, potential funders, consultants and specialist advisers and contractors. When protected buildings and heritage assets reach an advanced state of decay the challenges escalate, and as solutions are sought the problems also escalate, with costs spiralling. Remedial works’ costs and budgets are often difficult to quantify, which in turn creates challenges for both funding and procurement, where cost certainty and low risk is desired. The solution requires clear thinking and objectives that are achievable. In many cases ‘grand aspirations’ fail to get off the ground, becoming too wide-ranging in their aims. With heritage at risk, the extent of unknown works is often extensive and difficult to fully quantify until works are in progress. This never sits comfortably with funders and can be the vicious circle of unknown work, unknown cost, that prevents projects starting. Effective experienced project teams are not engaged sufficiently early to contribute to the strategies. The need for realistic practical options that can be implemented efficiently and promptly requires collaboration from a wide range of sources. Bringing together clients, funders, consultants, contractors and statutory heritage bodies in a spirit of collaboration and common objectives is at the heart of a successful project; this enables works and cost control to be effectively managed, and most importantly allows works to start and the cycle of decay and decline to be halted. This case study shows how a committed local council secured funding and assembled a team of advisers, consultants and contractors to bring a significant heritage-at-risk asset back from the brink of collapse, demonstrating how trust in collaborative working exceeded all expectations and delivered additional stabilisation works within the available funding.
Mobile banking strategy: E-payment market and AEC opportunities
Authors: Wonglimpiyarat Jarunee
Published: July 2024

The objective of this paper is to explain the mobile banking landscape in Thailand with a focus on the competition and challenges of the mobile banking system in Thailand. The empirical study focuses on the leading banks in Thailand: Bangkok Bank, Kasikorn Bank, Siam Commercial Bank, Krung Thai Bank and Bank of Ayudhya. The study discusses the strategies of standard competition, including SWOT analyses and challenges of competition for the Thai economy in entering the ASEAN Economic Community (AEC; forthcoming regional competition in AEC countries) in 2015. The results show the importance of strategic alliances (systemic innovation characteristics requiring network collaboration between the banking and information and communication technologies industry) to offer innovative solutions and value-added services in the payment market.
Being your ‘authentic self’: A key to success in the buyer–supplier relationship in indirect procurement
Authors: Warren Geoffrey
Published: July 2024

Early in a career as a procurement professional, practitioners are focused on the goals of the company and how to achieve their own career goals as they traverse the buyer–supplier relationships, obtaining the company’s needed goods and services. For practitioners in the indirect categories, the sheer number of suppliers that must be interacted with is sometimes daunting. Finding the keys to building successful buyer–supplier relationships is often reduced to a formulaic transactional process. To be truly successful, you must become well versed in how your own personal traits become key in building relationships with suppliers. Suppliers that provide goods and services, considered indirect purchases, are not always transactional relationships. While these suppliers do not provide raw materials for your company’s production, they supply the infrastructure that supports the whole company and helps bring those finished products or services to market. With that in mind, it is integral to the success of your company that you have good relationships with these suppliers, built on the foundation of trust. In building that trust, the practitioner must become comfortable with the aspects of transparency, integrity and being their authentic self when working with the representatives of their suppliers. While there are risks and pitfalls that must be kept in mind, the personal traits that you present to your suppliers could very well be the key to your success or failure in your role as a procurement professional.
A transformational journey: Artificial intelligence in financial services
Authors: Lau Theodora
Published: July 2024

New technologies hold promise for both improving the relationship between financial services institutions and their customers and strengthening the financial outcomes for larger swathes of our society if this is done responsibly. Despite the heightened interests of artificial intelligence (AI) in financial services, however, there still exists a significant gap between expectation and reality. Through examples from customer service, personal finance and wealth management to credit decisioning and risk management, this paper highlights recent developments where AI has been employed to drive business outcomes. The paper also challenges the reader to dig deeper into ethics and trust — the very values that are uniquely human — and to reflect on the safeguards that need to be in place to ensure accountability, transparency, fairness and auditability, as more use cases move from pure research and development into real-world applications in our daily lives. The paper concludes that the industry must move beyond efficiency and cost savings to an era where AI-driven applications are more intentional and purposeful in transforming human lives.
What creates access and inclusion at airports?
Authors: Lipp Eric
Published: July 2024

Accessibility in airports has been an important topic over the past five years. The population continues to age and use of assistive devices and technology create easier access to air travel. There are many obstacles to access but regulations on design and architectural standards have increased awareness and opportunity. This article includes ideas and solutions that some airports have instituted and also identifies some shortcomings within the aviation industry. People with disabilities and older adult populations continue to grow, and stresses on services within the airport to accommodate people with accessibility needs will require airports to always have access included in talks for future accommodations and services.
Can a globally endorsed business identity code be the answer to risk data aggregation?
Authors: Grody Allan D.
Published: July 2024

That the financial system was vulnerable to global systemic risk was revealed to the general public and, more importantly the regulatory community, when Lehman Brothers filed for bankruptcy in 2008. It was further revealed that neither Lehman Brothers nor its clients, creditors, counterparties and regulators had a common understanding of the risk exposure that existed in the collapse of Lehman. In the complex, technology driven ecosystem of global finance that common understanding required a common identifying code that computer software could interpret as Lehman Brothers. That this did not exist over all of the generations of technology that financial systems evolved through was a revelation that drove a newly appointed global standards body, the Financial Stability Board (FSB) to sanction a series of global data standards initiatives. This included the establishment of a legal entity identifier (LEI), a unique, unambiguous and universal code for business entities participating in the financial system. Another significant lesson learned from the global financial crisis was that banks’ information technology and data architectures were inadequate to support management of financial risks. Because of weak risk data aggregation capabilities, many banks lacked the ability to aggregate risk exposures and identify concentrations quickly and accurately at the bank group level, across business lines and between legal entities. This required a more granular view of risk, a view at the transaction level to complement the position and balance sheet levels that were the cornerstone of the global risk agenda to that point. This issue was taken up by an existing risk standards body, the Bank for International Settlements (BIS) through its Basel Committee on Banking Supervision (BCBS). It proposed to use the LEI in its risk and data aggregation framework now being implemented by the global systemically important banks (G-SIBs). This paper describes the implications of these new regulatory mandates on the technology and data management infrastructure underpinning risk management systems, within single financial enterprises and across multiple financial institutions and financial market utilities (FMUs). The paper traces the decisions that led to revising this infrastructure and offers suggestions to overcome remaining issues that have already been recognised. It argues for some redirection of implementations yet to be finalised, whose strategies were laid out with legacy infrastructure concepts remaining as best practice. This is occurring while the digital transformation of finance is well underway and promises less costly, less risk prone solutions. Significant operational risk capital reduction and cost reduction incentives are identified and quantified.
The hijacking of Flight ET 702: The challenges of managing a major security threat, media attention and continuing daily airport operations
Authors: Romig Thomas
Published: July 2024

Many organisations tend to see crisis and emergency management as a nuisance or a regulatory obligation. On a day when a major incident occurs, however, they are happy to have the structure and processes in place to allow them to manage the situation safely. A well-structured emergency response plan (ERP) will allow an organisation to face any major disruption in normal operational processes and provide for an organised approach to the return to normal operations. The coordination and communication processes set up within the ERP should be designed to streamline the decision-making processes throughout the disruption. In this digital world, any major disruption will very quickly attract media attention. A well-structured ERP will provide a crisis communication plan that will allow the organisation to proactively manage relationships with media outlets throughout the crisis situation and should ensure that a clear and coherent message is broadcast. Communications across multiple media types, and in particular social media, have further complexified the communications process in case of an event, rendering a crisis communications plan even more necessary. This paper explores the need for an ERP — including a communications plan — within an airport organisation, through the example of the hijacking of flight ET 702 at Geneva Airport.
A review of frequently overlooked best practices for graphs
Authors: Robbins Naomi B. , Robbins Joyce
Published: July 2024

A review of graphs in several marketing analytics journals revealed a great variety in quality. Many were excellent, but others contained graphical mistakes and best practices were frequently not followed. This paper points out common mistakes and suggests easy-to-implement changes to improve understanding and communication of the data.
Pengaruh Media Youtube Terhadap Hasil Belajar IPAS Materi Indonesia
Authors: Nurwanti Tina , Suryandari Savitri , Desiningrum Noviana
Published: July 2024

Proses belajar mengajar adalah inti dari proses pendidikan secara keseluruhan dengan guru sebagai pemegang peranan utama. Tugas guru yang utama adalah mewujudkan tujuan pembelajaran di sekolah dan mengembangkan potensi siswa. Berdasarkan Undang-Undang No. 20 Tahun 2003 Pasal 3. Hasil penelitian yang telah dilakukan pada kelas IV SD Al Hikmah Simo Kalangan Surabaya maka dapat ditarik kesimpulan bahwa: media youtube dalam pembelajaran siswa kelas IV-A materi Indonesia Kaya Budaya pada mata pelajaran IPAS terlaksana dengan baik. Dengan adanya bantuan kelas kontrol yang menjadi dasar, maka peneliti mendapatkan data-data dan dapat mengolah data yang telah ada, dengan hasil berdasarkan uji hipotesis bahwa hasil sig 0,006 < 0,05, dimana artinya penggunaan media youtube berpengaruh terhadap hasil belajar siswa. dengan hipotesis yang ditetapkan H0 ditolak dan H1 diterima, menjawab hipotesis bahwa ada pengaruh antara penggunaan media youtube dengan hasil belajar IPAS siswa. Hal tersebut sesuai dengan standar kriteria yang sudah ditentukan, baik dari standar uji normalitas dengan data yang sudah normal, uji homogen dengan varians yang sudah homogen, dan uji t.
Predictors of students’ academic performance during the COVID-19 Pandemic
Authors: Foronda Marisol , Salviejo Ryan
Published: July 2024

The COVID-19 pandemic has changed the educational system, wherein the students’ learning process has been confronted with many factors that could affect their academic performance. Thus, this study aimed to determine the student’s academic performance and its predictors during the COVID-19 pandemic. A total of 143 students from a state university in Cagayan Valley, Philippines participated in the study by completing an online questionnaire via Google Forms. Multiple regression analysis was conducted to determine the predictors of academic performance. The results revealed that despite the pandemic, the students had shown very satisfactory academic performance. Moreover, certain socio-economic factors emerged as significant factors. These factors included monthly household income, the number of siblings employed, and the father’s employment status. Hence, teachers might design instructional activities and strategies that actively promote equity within the classroom.
Gender roles of Obu Manuvu women and leaders in the conservation of the Philippine Brown Deer Rusa marianna Desmarest, 1822
Authors: Bauyot Mary Fil , Villegas Jhonnel , Asaias Vanessa
Published: July 2024

Philippine brown deer Rusa marianna Desmarest 1822, has been considered a conservation priority following its declaration as an endangered species by the Philippine Red List of Threatened Fauna in 2020. The research study analyzed the gender roles of women and men in the conservation of the Philippine brown deer (R. marianna) in the Obu Manuvu Ancestral Domain (OMAD) in Baguio District, Davao City, Philippines. Using the Harvard Analytical Framework (HAF), the study explored women’s and men’s (1) activity profile, (2) access to and control over resources, (3) knowledge, beliefs, and perceptions, (4) decision-making power, (5) laws, legal rights, policies, and institutions, and (6) priorities, and needs/ opportunities, and constraints. Sixteen individuals participated in the key informant interviews (KIIs), represented by chieftains, elders, and women. The results of the gender analysis conveyed that women and men are primarily involved in deer conservation. Gender gaps have been documented in education, employment, and resource management, showing that men have better access than women. However, both genders are provided access to information and training as part of the capacity-building for conservation works. In terms of employment preference, Obu Manuvu men largely dominated the farming jobs, while women worked home-based. They are also given equal rights regarding their participation in the decision making process and property ownership. A livelihood program is considered one of the needs of the indigenous community, which includes the opportunity to economize their conservation services. Therefore, the study recommends that gender roles be integrated into formulating a conservation model. Providing equal education, employment, and livelihood opportunities for women and men is vital to the deer’s sustainable conservation.
Multibot
Authors: Ricardo Miguel , Danilo José , Rodrigo Giovanni
Published: July 2024

La robótica se ha convertido en un pequeño gran pretexto para el desarrollo de actividades de investigación, estudio e implementación de alternativas, algunas de ellas innovadoras y emprendedoras, que faciliten la solución de problemas cotidianos en la sociedad. "Multibot. Robótica aplicada al rescate urbano", es un libro que recoge los aspectos fundamentales, alcanzados en el desarrollo de un proyecto de investigación financiado por la Universidad Distrital Francisco José de Caldas y realizado por los grupos de investigación en Robótica Móvil Autónoma (Roma) y en Control Electrónico (Gice). Entre los aspectos fundamentales que se presentan se encuentra el desarrollo de algoritmos reactivos de cooperación, desarrollado en un equipo de cuatro robots móviles, cada uno con algoritmos de fusión sensorial, visión artificial y sistemas bioinspirados a través de la implementación de una propuesta novedosa de controladores basado en emociones, todo con el principal objetivo de aportar a la comunidad científica colombiana e internacional nuevos elementos de estudio en el área de la robótica de servicio.
In vitro Evaluation of Antagonism between Trichoderma spp.and Rhizoctonia solani causing black scurf disease on potato
Authors: Aabed Sahar , Elhassan Seddig , Ali Tarig
Published: July 2024

The fungus Rhizoctonia solani causes black scurf disease in potato crops, which results in lower yield and quality of ware and seed potatoes. This study was under taken to evaluate in vitro the inhibitive effect of two antagonistic Trichoderma species on the fungus pathogen Rhizoctonia. Apure isolate of the pathogen R.solani was recovered from certified tubers imported from Holland, while the two antagonists, T.harzianum and T.koningii Pers that have been used in biological control of several pathogenic fungi were obtained from University of Tushreen, Syria. The percent inhibitive capability of the two antagonists was assessed in both solid potato dextrose agar (PDA) and liquid potato dextrose broth (PDB) media, and in turn the underlying mechanism of the antagonistic behavior involved was inferred. Bothe species of Trichoderma antagonists inhibited Rhizoctonia growth significantly compared to the control, with extensive growth and sporulation over the pathogen. Isolates of T. koningii showed higher growth rates and more proliferative sporulation on the pathogen colonies than T.harzianum. The direct parasitism of Trichoderma could be inferred from the observation under the light microscope of the coiling of the antagonist mycelium around that of the pathogen with external malformation on its hyphae. Also, the culture filtrates of the two antagonist species (at 1:1 and 2:1 concentration) displayed high competitive efficacy of growth inhibition of the pathogen Rhizoctonia isolates in PDA, indicating secretion of inhibitive substances to Rhizoctonia(pathogen). There were no significant differences between the two concentrations of T. koningii, while the higher concentration was more efficacious in T.harzianumthan the lower one for inhibition or secretion of inhibitive substances to Rhizoctonia.