Abstract: The history of technology and banking is examined as
it relates to risk and technological determinism. It is proposed that
the services that banks offer are determined by technology and that
banks must adopt new technologies to be competitive. The adoption
of technologies paradoxically forces the adoption of other new
technologies to protect the bank from the increased risk of
technology. This cycle will lead to bank examiners and regulators to
focus on human behavior, not on the ever changing technology.
Abstract: The Czech Republic is a country whose economy has
undergone a transformation since 1989. Since joining the EU it has
been striving to reduce the differences in its economic standard and
the quality of its institutional environment in comparison with
developed countries. According to an assessment carried out by the
World Bank, the Czech Republic was long classed as a country
whose institutional development was seen as problematic. For many
years one of the things it was rated most poorly on was its bankruptcy
law. The new Insolvency Act, which is a modern law in terms of its
treatment of bankruptcy, was first adopted in the Czech Republic in
2006. This law, together with other regulatory measures, offers debtridden
Czech economic subjects legal instruments which are well
established and in common practice in developed market economies.
Since then, analyses performed by the World Bank and the London
EBRD have shown that there have been significant steps forward in
the quality of Czech bankruptcy law. The Czech Republic still lacks
an analytical apparatus which can offer a structured characterisation
of the general and specific conditions of Czech company and
household debt which is subject to current changes in the global
economy. This area has so far not been given the attention it
deserves. The lack of research is particularly clear as regards analysis
of household debt and householders- ability to settle their debts in a
reasonable manner using legal and other state means of regulation.
We assume that Czech households have recourse to a modern
insolvency law, yet the effective application of this law is hampered
by the inconsistencies in the formal and informal institutions
involved in resolving debt. This in turn is based on the assumption
that this lack of consistency is more marked in cases of personal
bankruptcy. Our aim is to identify the symptoms which indicate that
for some time the effective application of bankruptcy law in the
Czech Republic will be hindered by factors originating in
householders- relative inability to identify the risks of falling into
debt.
Abstract: In online context, the design and implementation of
effective remote laboratories environment is highly challenging on
account of hardware and software needs. This paper presents the
remote laboratory software framework modified from ilab shared
architecture (ISA). The ISA is a framework which enables students to
remotely acccess and control experimental hardware using internet
infrastructure. The need for remote laboratories came after
experiencing problems imposed by traditional laboratories. Among
them are: the high cost of laboratory equipment, scarcity of space,
scarcity of technical personnel along with the restricted university
budget creates a significant bottleneck on building required
laboratory experiments. The solution to these problems is to build
web-accessible laboratories. Remote laboratories allow students and
educators to interact with real laboratory equipment located
anywhere in the world at anytime. Recently, many universities and
other educational institutions especially in third world countries rely
on simulations because they do not afford the experimental
equipment they require to their students. Remote laboratories enable
users to get real data from real-time hand-on experiments. To
implement many remote laboratories, the system architecture should
be flexible, understandable and easy to implement, so that different
laboratories with different hardware can be deployed easily. The
modifications were made to enable developers to add more
equipment in ISA framework and to attract the new developers to
develop many online laboratories.
Abstract: The purpose of this paper is to guide the effort in
improving the economic added value of Indonesian fisheries product
through post fishing program, which is cold storage program.
Indonesia's fisheries potential has been acknowledged by the world.
FAO (2009) stated that Indonesia is one of the tenth highest
producers of fishery products in the world. Based on BPS (Statistics
Indonesia data), the national fisheries production in 2011 reached
5.714 million tons, which 93.55% came from marine fisheries and
6.45% from open waters. Indonesian territory consist of 2/3 of
Indonesian waters, has given enormous benefits for Indonesia,
especially fishermen. To improve the economic level of fishermen
requires efforts to develop fisheries business unit. On of the efforts is
by improving the quality of products which are marketed in the
regional and international levels. It is certainly need the support of
the existence of various fishery facilities (infrastructure to
superstructure), one of which is cold storage. Given the many
benefits of cold storage as a means of processing of fishery resources,
Indonesia Maritime Security Coordinating Board (IMSCB) as one of
the maritime institutions for maritime security and safety, has a
program to empower the coastal community through encourages the
development of cold storage in the middle and lower fishery business
unit. The development of cold storage facilities which able to run its
maximum role requires synergistic efforts of various parties.
Abstract: In this paper we apply an Adaptive Network-Based
Fuzzy Inference System (ANFIS) with one input, the dependent
variable with one lag, for the forecasting of four macroeconomic
variables of US economy, the Gross Domestic Product, the inflation
rate, six monthly treasury bills interest rates and unemployment rate.
We compare the forecasting performance of ANFIS with those of the
widely used linear autoregressive and nonlinear smoothing transition
autoregressive (STAR) models. The results are greatly in favour of
ANFIS indicating that is an effective tool for macroeconomic
forecasting used in academic research and in research and application
by the governmental and other institutions
Abstract: Knowledge is a key asset for any organisation to
sustain competitive advantages, but it is difficult to identify and
represent knowledge which is needed to perform activities in
business processes. The effective knowledge management and
support for relevant business activities definitely gives a huge impact
to the performance of the organisation as a whole. This is because
that knowledge have the functions of directing, coordinating and
controlling actions within business processes. The study has
introduced organisational morphology, a norm-based approach by
applying semiotic theories which emphasise on the representation of
knowledge in norms. This approach is concerned with the
identification of activities into three categories: substantive,
communication and control activities. All activities are directed by
norms; hence three types of norms exist; each is associated to a
category of activities. The paper describes the approach briefly and
illustrates the application of this approach through a case study of
academic activities in higher education institutions. The result of the
study shows that the approach provides an effective way to profile
business knowledge and the profile enables the understanding and
specification of business requirements of an organisation.
Abstract: Numerous facts evidence the increasing religiosity of
the population and the intensification of religious movements in
various countries in the last decade of the 20th century. The number
of international religious institutions and foundations; religious
movements; parties and sects operating worldwide is increasing as
well. Some ethnic and inter-state conflicts are obviously of a
religious origin. All of this make a number of analysts to conclude
that the religious factor is becoming an important part of international
life, including the formation and activities of terrorist organizations.
Most of all is said and written about Islam, the second, after
Christianity, world religions professed according to various estimates
by 1.5 bln. individuals in 127 countries.
Abstract: Transportation authorities need to provide the services
and facilities that are critical to every country-s well-being and
development. Management of the road network is becoming
increasingly challenging as demands increase and resources are
limited. Public sector institutions are integrating performance
information into budgeting, managing and reporting via
implementing performance measurement systems. In the face of
growing challenges, performance measurement of road networks is
attracting growing interest in many countries. The large scale of
public investments makes the maintenance and development of road
networks an area where such systems are an important assessment
tool. Transportation agencies have been using performance
measurement and modeling as part of pavement and bridge
management systems. Recently the focus has been on extending the
process to applications in road construction and maintenance
systems, operations and safety programs, and administrative
structures and procedures. To eliminate failure and dysfunctional
consequences the importance of obtaining objective data and
implementing evaluation instrument where necessary is presented in
this paper
Abstract: Market segmentation is one of the most
fundamental strategic marketing concepts. The better the
segment which is chosen for targeting by a particular
organisation, the more successful the organisation is assumed to
be in the marketplace. Also higher education institutions have to
improve their marketing tools for attracting foreign students,
particularly when demanding tuition fees. This contribution
aims at demonstrating the proper usage of the cluster analysis
for segmentation (represented by students' willingness to study
abroad) and also, based on large international survey, offers
some practical marketing implications.
Abstract: It-s difficult for China-s current land transfer
institutions limited to county-wide to solve the contradiction between
urban-rural development and construction land shortage. On the basis of analyzing China-s construction land transfer system, and evaluation
toward Transfer of development rights (TDR) practices in Anhui and
Chongqing, the passage proposes: (1) we should establish a multi-level
land indicators trade market under the guidance of regional spatial
objectives, and allow land transfer paid across cities and counties
within a specific area following the regulation of both government and
market; (2) it would be better to combine organically the policy ntentions of land plan, regional plan, urban plan and economic plan, and link them with land indicators transfer to promote a wider range of
urban-rural balance and regional coordination.
Abstract: Today, money laundering (ML) poses a serious threat
not only to financial institutions but also to the nation. This criminal
activity is becoming more and more sophisticated and seems to have
moved from the cliché of drug trafficking to financing terrorism and
surely not forgetting personal gain. Most international financial
institutions have been implementing anti-money laundering solutions
(AML) to fight investment fraud. However, traditional investigative
techniques consume numerous man-hours. Recently, data mining
approaches have been developed and are considered as well-suited
techniques for detecting ML activities. Within the scope of a
collaboration project for the purpose of developing a new solution for
the AML Units in an international investment bank, we proposed a
data mining-based solution for AML. In this paper, we present a
heuristics approach to improve the performance for this solution. We
also show some preliminary results associated with this method on
analysing transaction datasets.
Abstract: There have been many variations of technologies that helped educators in teaching & learning. From the past research it is evident that Information Technology significantly increases student participation and interactivity in the classrooms. This research started with a aim to find whether adoption of Wi-Fi environment by Malaysian Higher Educational Institutions (HEI) can benefit students and staff equally. The study was carried out in HEI-s of Klang Valley, Malaysia and the data is gathered through paper based surveys. A sample size of 237 units were randomly selected from 5 higher educational institutions in the Klang Valley using the Stratified Random sampling method and from the analysis of the data, it was found that the implementation of wireless technologies in HEIs have created lot of opportunities and also challenges.
Abstract: The present study examines the mediating effect of
online flow experience on the relationship between extraversionintroversion,
locus of control and loneliness, and depression and
satisfaction with life. The data was obtained using a structured
questionnaire prepared by adapting standardized scales available from
a sample of 102 engineering students from different technical
institutions at Bhubaneswar, India. The results indicate that there is a
positive significant relationship between introversion, external locus
of control, loneliness, depression and online flow experience, and
extraversion, internal locus of control and satisfaction with life. The
results also suggest that online flow experience mediates the
relationship between the aforementioned variables.
Abstract: Data mining has been integrated into application systems to enhance the quality of the decision-making process. This study aims to focus on the integration of data mining technology and Knowledge Management System (KMS), due to the ability of data mining technology to create useful knowledge from large volumes of data. Meanwhile, KMS vitally support the creation and use of knowledge. The integration of data mining technology and KMS are popularly used in business for enhancing and sustaining organizational performance. However, there is a lack of studies that applied data mining technology and KMS in the education sector; particularly students- academic performance since this could reflect the IHL performance. Realizing its importance, this study seeks to integrate data mining technology and KMS to promote an effective management of knowledge within IHLs. Several concepts from literature are adapted, for proposing the new integrative data mining technology and KMS framework to an IHL.
Abstract: Within the realm of e-government, the development has moved towards testing new means for democratic decisionmaking, like e-panels, electronic discussion forums, and polls. Although such new developments seem promising, they are not problem-free, and the outcomes are seldom used in the subsequent formal political procedures. Nevertheless, process models offer promising potential when it comes to structuring and supporting transparency of decision processes in order to facilitate the integration of the public into decision-making procedures in a reasonable and manageable way. Based on real-life cases of urban planning processes in Sweden, we present an outline for an integrated framework for public decision making to: a) provide tools for citizens to organize discussion and create opinions; b) enable governments, authorities, and institutions to better analyse these opinions; and c) enable governments to account for this information in planning and societal decision making by employing a process model for structured public decision making.
Abstract: Technology transfer of renewable energy technologies is very often unsuccessful in the developing world. Aside from challenges that have social, economic, financial, institutional and environmental dimensions, technology transfer has generally been misunderstood, and largely seen as mere delivery of high tech equipment from developed to developing countries or within the developing world from R&D institutions to society. Technology transfer entails much more, including, but not limited to: entire systems and their component parts, know-how, goods and services, equipment, and organisational and managerial procedures. Means to facilitate the successful transfer of energy technologies, including the sharing of lessons are subsequently extremely important for developing countries as they grapple with increasing energy needs to sustain adequate economic growth and development. Improving the success of technology transfer is an ongoing process as more projects are implemented, new problems are encountered and new lessons are learnt. Renewable energy is also critical to improve the quality of lives of the majority of people in developing countries. In rural areas energy is primarily traditional biomass. The consumption activities typically occur in an inefficient manner, thus working against the notion of sustainable development. This paper explores the implementation of technology transfer in the developing world (sub-Saharan Africa). The focus is necessarily on RETs since most rural energy initiatives are RETs-based. Additionally, it aims to highlight some lessons drawn from the cited RE projects and identifies notable differences where energy technology transfer was judged to be successful. This is done through a literature review based on a selection of documented case studies which are judged against the definition provided for technology transfer. This paper also puts forth research recommendations that might contribute to improved technology transfer in the developing world. Key findings of this paper include: Technology transfer cannot be complete without satisfying pre-conditions such as: affordability, maintenance (and associated plans), knowledge and skills transfer, appropriate know how, ownership and commitment, ability to adapt technology, sound business principles such as financial viability and sustainability, project management, relevance and many others. It is also shown that lessons are learnt in both successful and unsuccessful projects.
Abstract: This essay endeavors to read Ama Ata Aidoo-s Our Sister Killjoy with a postocolonially-inflected consciousness. It aims at demonstrating how her work could be read as a sophisticated postcolonial revision of the colonial travel narrative whereby the protagonist-s black-eyed squint operates as 'the all-seeing-eye' to subvert the historically unbroken legacy of the Orientalist ideology. It tries to demonstrate how Sissie assumes authority and voice in an act that destabilizes the traditionally established modes of western representation. It is also an investigation into how Aidoo-s text adopts processes which disengage the Eurocentric view produced by the discursive itineraries of western institutions through diverse acts of resistance and 'various strategies of subversion and appropriation'. Her counter discursive strategies of resistance are shaped up in various ways by a feminist consciousness that attempts to articulate a distinct African version of identity and preserve cultural distinctiveness.
Abstract: Educational institutions are increasingly exploring the affordances of 3D virtual worlds for instruction and research, but few studies have been done to document current practices and uses of this emerging technology. This observational survey examines the virtual presences of 170 accredited educational institutions found in one such 3D virtual world called Second Life®, created by San- Francisco based Linden Lab®. The study focuses on what educational institutions look like in this virtual environment, the types of spaces educational institutions are creating or simulating, and what types of activities are being conducted.
Abstract: Rapid steps made in the field of Information and Communication Technology (ICT) has facilitated the development of teaching and learning methods and prepared them to serve the needs of an assorted educational institution. In other words, the information age has redefined the fundamentals and transformed the institutions and method of services delivery forever. The vision is the articulation of a desire to transform the method of teaching and learning could proceed through e-learning. E-learning is commonly deliberated to use of networked information and communications technology in teaching and learning practice. This paper deals the general aspects of the e-leaning with its issues, developments, opportunities and challenges, which can the higher institutions own.
Abstract: This paper explores transformation of higher
education system in Kazakhstan since 1991. The research unravels
successful experience in the field and challenges. It covers issues of institutional change, faculty, research, university, funding, standards
and leadership. The paper offers recommendations in improving state of art in higher educational institutions of Kazakhstan based on
international approaches and local realities.