scholarly journals Vectors of development of kids banking as a prospective segment of digital banking business in Russia

2021 ◽  
Vol 7 (3) ◽  
pp. 103-114
Author(s):  
Natalia I. Bykanova ◽  
◽  
Daria V. Gordya ◽  
Keyword(s):  
Mobile Applications ◽  
Financial Literacy ◽  
Digital Products ◽  
Number Of Factors ◽  
Banking Business ◽  
Banking Institutions ◽  
Definition Of ◽  
Work Done ◽  
Near Future

The ongoing changes in society, caused by the acceleration of the digitization processes, are having an increasing impact on the population’s ability to absorb new digital products and on the overall level of financial literacy from the earliest age. These processes act as a driver for the growth of interest in kids banking in the near future. The article provides a definition of kids banking and identifies promising areas for the development of kids banking in Russia, which include the production of kids bank cards with special conditions of service, as well as the development of special mobile applications for children with financial literacy elements and the ability for parents to control children’s external spending. The authors have systematized and studied the conditions for issuing and servicing kids (from 6 years old) and youth (from 14 years old) bank cards among leading banks in these segments: Sberbank, Tinkoff Bank, Post Bank, Alfa-Bank, Sovcombank, opportunities offered on the market of banking applications for children are determined. Particular attention is paid to identifying the benefits of kids banking from the perspective of all parties involved, including child clients, their parents and the banking institutions themselves. However, it should be noted that despite all the work done in this direction, a number of factors are currently hindering the active development of this segment. This is, first of all, the unwillingness of some banks to invest large amounts of resources with an unobvious result, since the effect of such investments is significantly delayed in time. In addition, some issues of interaction between banks and child clients at this stage require clarification in the legislation.

scholarly journals PEMBUATAN SISTEM INFORMASI KOIN BOND DI PT SAGARA ASIA TECHNOLOGY MENGGUNAKAN SWIFT 4

2021 ◽  
Vol 11 (1) ◽  
pp. 76-87
Author(s):  
Helmi Taufiq Al Hakim ◽  
Galih Suryo ◽  
Sofiyanti Indriasari
Keyword(s):  
Software Development ◽  
Product Development ◽  
Mobile Applications ◽  
Digital Products ◽  
Investment Returns ◽  
The Creation ◽  
Work Done ◽  
A Company

ABSTRACTPT Sagara Asia Technology or better known as Sagara Technology is a company engaged in technology consulting and digital products. Sagara Technology manufactures and provides premium software development, training and talent products. The work done at Sagara Technology focuses on developing website technology and mobile applications. Investment is an option for many groups of people to invest in a company because investment promises long-term benefits. Therefore, PT Lunaria Annua Teknologi decided to create a Bond Coin application to reach all groups of people who want to invest and can take advantage of investment returns according to their wishes.The methodology used during the creation of this application is Scrum. Scrum is used as a framework because this methodology is suitable for small teams, clear application specifications and Scrum allows iteration and incremental of a product requirement that will be found during product development. Bond coins make it easier for investors to conduct checks on Government Securities purchased, including transparency, security and efficiency in transactions.

scholarly journals The Essence of Compliance and its Place in Banking Risk Management

2021 ◽  
Vol 26 (1) ◽  
pp. 173-177
Author(s):  
Sergii Sheludko ◽  
◽  
Anastasiia Yehorova ◽  
Keyword(s):  
Risk Management ◽  
Practical Implementation ◽  
International Banking ◽  
Business Results ◽  
Banking Business ◽  
Banking Institutions ◽  
Standards And Regulations ◽  
Qualitative Classification ◽  
Banking Risk ◽  
Definition Of

Annotation. Introduction. The versatility of modern international banking, instability of the global financial environment and dynamism of normative regulation necessitates a strong need not only to implement standards and regulations of banking, but also to follow such guidelines and monitor compliance with their principles and norms. In such conditions, the study of the essence, organizational and economic principles and features of the practical implementation of compliance in banks is a particularly important scientific task. Purpose. The aim of the paper is to study the scientific and theoretical foundations, analysis of the compliance system in conditions of internationalization of the banking business. Results. It has been determined a historical prerequisites of “compliance” and it has been offered the own definition of compliance which means a system of the actions carried out for the purpose of observance of internal rules and external requirements at the same time as a whole by the organization, its separate divisions and employees. It has been confirmed the essential value of the qualitative classification of banking risks, which is used as a result to find reserves to improve the efficiency of risk management of banking operations. The compliance system has been presented in terms of elements that affect the implementation of compliance risk. Compliance risk as a non-financial banking risk has been studied and determined that it can be both a source and a consequence of the realization of other types of risk. It has been analyzed the structure of compliance costs of banks and financial institutions of European Union in 2019. Conclusions. In order to increase effective compliance control in the international banking business, artificial intelligence technologies are used. It has been concluded that in the future banking institutions should focus on developing a strategy that will at the same time reduce costs and maintain a reliable system of compliance

Regional banking system in Russia: Trends and factors of spatial distribution

2017 ◽  
pp. 123-141 ◽  
Author(s):  
S. Ageeva ◽  
A. Mishura
Keyword(s):  
Spatial Distribution ◽  
Commercial Banks ◽  
Banking System ◽  
Federal District ◽  
Russian Regions ◽  
Siberian Federal District ◽  
Federal Districts ◽  
Banking Business ◽  
Banking Institutions

We examine the spatial distribution of banks in Russian regions to identify the factors that affect changing territorial architecture of the banking system. The object of the study is dynamics of the number of commercial banks and their branches in 1991-2016. Besides the well-known tendency of concentration of the banking business in Moscow and reducing the number of banks in other regions we analyzed situation in the federal districts taking as an example the Siberian Federal District. This approach allowed us to formulate hypotheses about the causes of differences in the availability of banking institutions in Russian regions.

Drivers of Investment in Commercial Real Estate Sustainability: 2006–2018

2019 ◽  
Vol 11 (1) ◽  
pp. 130-155
Author(s):  
Michael Brooks ◽  
J.J. McArthur
Keyword(s):  
Energy Efficiency ◽  
Real Estate ◽  
Public Relations ◽  
Building Energy ◽  
Business Case ◽  
Commercial Real Estate ◽  
Building Energy Efficiency ◽  
Number Of Factors ◽  
Near Future ◽  
Asset Managers

We investigate the factors (“drivers”) that motivated investment in energy efficiency in commercial real estate office buildings over the 2006–2011 and 2012–2017 period, and looking forward from 2018 in the context of growing concern over carbon emissions around the world. These insights were collected from large Canadian asset managers through interviews conducted in 2017 and 2018. Key findings were that (1) organizations noted an increasing number of factors driving investment decisions over the three periods; (2) cost drivers (payback period and anticipated financial returns) were the top two drivers in 2006–2017; (3) public relations factors became significantly more important looking forward, with brand (reputational impact) as the top-ranked driver and tenant attraction tied for third place; and (4) mitigation against risks such as resilience and anticipated compliance consistently increased in importance. This study contributes to a comprehensive understanding of past, present, and near-future sustainable real estate investment priorities, changing owner behaviors, and the perceived business case for building energy efficiency investments.

Financial capabilities development: essential discourse in social work

2019 ◽  
Vol 46 (10) ◽  
pp. 1234-1246
Author(s):  
Lambert K. Engelbrecht ◽  
Abigail Ornellas
Keyword(s):  
Sustainable Development ◽  
Social Work ◽  
Financial Literacy ◽  
Community Education ◽  
Work Practice ◽  
Well Being ◽  
Social Work Practice ◽  
Content Type ◽  
Vulnerable Households ◽  
Definition Of

Purpose Within a neoliberal environment, financial vulnerability of households has become an increasing challenge and there is a requirement of financial literacy education, a necessary activity to facilitate sustainable development and well-being. However, this is seldom a mainstream discourse in social work deliberations. The paper aims to discuss these issues. Design/methodology/approach First, introducing the neoliberal impact on financial well-being and capability for vulnerable households, the authors’ postulation is substantiated on a seven-point argument. The contexts of financially vulnerable households are sketched. Second, a conceptualisation of financial literacy is offered, and third, perspectives on and approaches to financial literacy as a fundamental capability are presented. This is followed by a theoretical foundation of community education as a practice model in social work to develop financial capabilities. In the fifth place, prevailing practices of Financial Capabilities Development (FCD) programmes are offered. Subsequently, the implications of a neoliberal environment for social work practice are examined. Findings The revised global definition of social work encourages the profession to understand and address the structural causes of social problems through collective interventions. As a response, it is argued that community education towards FCD of vulnerable households within a neoliberal environment should be an essential discourse in social development. Originality/value The authors reflect on the significance of FCD, highlighting its contribution towards human security and sustainable development. Although this paper draws on Southern African contexts, the discourse finds resonance in other contexts across the world.

The Development of Virtual Concurrent Engineering and its Application to Stamped Products

1992 ◽  
Author(s):  
J. Schmitz ◽  
S. Desa
Keyword(s):  
Product Development ◽  
Design Optimization ◽  
Concurrent Engineering ◽  
Extensive Study ◽  
Engineering Method ◽  
Engineering Product ◽  
Development Method ◽  
Computer Based ◽  
Definition Of ◽  
Work Done

Abstract It is well-known that so-called Concurrent Engineering is a desirable alternative to the largely sequential methods which tend to dominate most product development methods. However, the proper implementation of a concurrent engineering method is still relatively rare. In order to facilitate the development of a reliable concurrent engineering product development method, we start with a careful definition of concurrent engineering and, after an extensive study of all of product development, we propose three criteria which ideal concurrent engineering must satisfy. However, for labor, time, and overall cost considerations, ideal concurrent engineering is infeasible. Instead, we propose a computer-based environment which, by being constructed in accordance with the three criteria, attempts to approach ideal concurrent engineering. The result is the Virtual Concurrent Engineering method and computer implementation environment. This product development method and computer-based implementation system provide the detailed, structured information and data needed to optimally balance the product with respect to the main product development parameters (e.g., manufacturing costs, assembly, reliability). This important information includes re-design suggestions to improve the existing design. The designer can directly apply these re-design suggestions for design optimization, or he can use the results as input into a more complex design optimization or design parameterization function of his own. To demonstrate Virtual Concurrent Engineering, we use it to refine earlier work done by the authors in the Design for Producibility of stamped products. We discuss, in some detail, the results of applying Design for Producibility to complex stampings, including process plans and product producibility computations.

Variational thermodynamic derivation of the formula for pressure difference across a charged conducting liquid surface and its relation to the thermodynamics of electrical capacitance

1995 ◽  
Vol 450 (1938) ◽  
pp. 177-192 ◽  
Keyword(s):  
Free Energy ◽  
Pressure Difference ◽  
Liquid Surface ◽  
Field Energy ◽  
Conducting Liquid ◽  
Difference Formula ◽  
Direct Energy ◽  
Free Case ◽  
Definition Of ◽  
Work Done

The formula for pressure difference across a charged conducting liquid surface has conventionally been derived by adding a Maxwell stress term to the pressure-difference formula for the field-free case. As far as can be established, no derivation applying direct energy-based methods to the charged-surface case has ever been clearly formulated. This paper presents a first-principles variational derivation, starting from the laws of thermodynamics and modelled on Gibbs’s (1875) approach to the field-free case. The derivation applies to the static equilibrium situation. The method is to treat the charged liquid and its environment as a heterogeneous system in thermodynamic equilibrium, and consider the effects of a small virtual variation in the shape of the conducting-liquid surface. Expressions can be obtained for virtual changes in the free energies of relevant system components and for the virtual electrical work done on the system. By converting the space integral of the variation in electrostatic field energy to an integral over the surface of the liquid electrode, the usual pressure-difference formula is retrieved. It is also shown how the problem can be formulated, in various ways, as a free-energy problem in a situation involving electric stresses and capacitance. The most satisfactory approach involves the definition of an unfamiliar form of free energy, that can be seen as the electrical analogue of the Gibbs free energy and may have use in other contexts.

scholarly journals TECHNOLOGICAL INNOVATIONS AT HOTEL ENTERPRISES DURING COVID-2019

2021 ◽  
Author(s):  
Tetiana Lysiuk ◽  
Anastasiia Arendarchuk ◽  
Oksana Tereshchuk
Keyword(s):  
Technological Innovation ◽  
Mobile Applications ◽  
Technological Innovations ◽  
Innovative Technologies ◽  
Internet Technologies ◽  
Hotel Chains ◽  
World Class ◽  
Definition Of ◽  
Boutique Hotels ◽  
The Voice

The article presents the results of a study of the use of technological innovations in hotel enterprises in conditions of increased competition and an unfavorable period for the hotel business. The largest and most popular world hotel chains are analyzed. The innovations introduced at hotel enterprises are studied. It has been found that all the innovations that have been introduced in recent years are related to Internet technologies. The definition of innovation by the Law of Ukraine on Innovation was provided. The directions of basic innovative activity in the tourist and hotel business were listed. The most popular innovative technologies that have started to be used by hotel enterprises in the conditions of the coronavirus pandemic are singled out and analyzed. Among the technological innovations were studied: chatbots, mobile applications for hotel chains and small boutique hotels. The introduction of digital keys instead of the use of card keys was also investigated. The novelty of the voice assistant technology, which is planned to be used by hotel rooms, was investigated. The scientific novelty of the obtained research results is the updating and generalization of information on the use of technological innovations by foreign hotel enterprises, including world-class hotel chains. The uniqueness of the article also lies in the fact that examples of hotel enterprises that actively apply this or that technological innovation in their activities were given. Thus, this information allows you to see which hotel companies are the most innovative and, consequently, competitive in the hotel market. Further research may be aimed at determining the readiness of the domestic hotel market to introduce the latest technologies, such as chatbots, digital keys, mobile applications for small and chain hotels and voice assistants in rooms. It is necessary to study especially expediently expediency of introduction of service of the voice assistant in domestic hotels, in particular in business hotels of big cities. No less carefully you need to explore the feasibility of creating your own mobile applications for small hotels.

scholarly journals Mobile Applications for the Promotion and Support of Healthy Nutrition and Physical Activity Habits: A Systematic Review, Extraction of Features and Taxonomy Proposal

2019 ◽  
Vol 12 (1) ◽  
pp. 50-71
Author(s):  
María Vanessa Villasana ◽  
Ivan Miguel Pires ◽  
Juliana Sá ◽  
Nuno M. Garcia ◽  
Eftim Zdravevski ◽  
...  
Keyword(s):  
Physical Activity ◽  
Mobile Applications ◽  
Calorie Intake ◽  
Anthropometric Parameters ◽  
Healthy Nutrition ◽  
Different Types ◽  
Diet Diary ◽  
Definition Of ◽  
Future Work ◽  
Google Play

Background: Mobile applications can be used for the monitoring of lifestyles and physical activity. It can be installed in commodity mobile devices, which are currently used by different types of people in their daily activities worlwide . Objective: This paper reviews and categorizes the mobile applications related to diet, nutrition, health, physical activity and education, showing the analysis of 73 mobile applications available on Google Play Store with the extraction of the different features. Methods: The mobile applications were analyzed in relation to each proposed category and their features, starting with the definition of the search keywords used in the Google Play Store. Each mobile application was installed on a smartphone, and validated whether it was researched in scientific studies. Finally, all mobile applications and features were categorized. Results: These mobile applications were clustered into four groups, including diet and nutrition, health, physical activity and education. The features of mobile applications were also categorized into six groups, including diet, anthropometric parameters, social, physical activity, medical parameters and vital parameters. The most available features of the mobile applications are weight, height, age, gender, goals, calories needed calculation, diet diary, food database with calories, calories burned and calorie intake. Conclusion: With this review, it was concluded that most mobile applications available in the market are related to diet, and they are important for different types of people. A promising idea for future work is to evaluate the acceptance by young people of such mobile applications.

scholarly journals Mobile Applications for the Promotion and Support of Healthy Nutrition and Physical Activity Habits: A Systematic Review, Extraction of Features and Taxonomy Proposal

2019 ◽  
Vol 13 (1) ◽  
pp. 50-71 ◽  
Author(s):  
María Vanessa Villasana ◽  
Ivan Miguel Pires ◽  
Juliana Sá ◽  
Nuno M. Garcia ◽  
Eftim Zdravevski ◽  
...  
Keyword(s):  
Physical Activity ◽  
Mobile Applications ◽  
Calorie Intake ◽  
Anthropometric Parameters ◽  
Healthy Nutrition ◽  
Different Types ◽  
Diet Diary ◽  
Definition Of ◽  
Future Work ◽  
Google Play

Background: Mobile applications can be used for the monitoring of lifestyles and physical activity. It can be installed in commodity mobile devices, which are currently used by different types of people in their daily activities worlwide . Objective: This paper reviews and categorizes the mobile applications related to diet, nutrition, health, physical activity and education, showing the analysis of 73 mobile applications available on Google Play Store with the extraction of the different features. Methods: The mobile applications were analyzed in relation to each proposed category and their features, starting with the definition of the search keywords used in the Google Play Store. Each mobile application was installed on a smartphone, and validated whether it was researched in scientific studies. Finally, all mobile applications and features were categorized. Results: These mobile applications were clustered into four groups, including diet and nutrition, health, physical activity and education. The features of mobile applications were also categorized into six groups, including diet, anthropometric parameters, social, physical activity, medical parameters and vital parameters. The most available features of the mobile applications are weight, height, age, gender, goals, calories needed calculation, diet diary, food database with calories, calories burned and calorie intake. Conclusion: With this review, it was concluded that most mobile applications available in the market are related to diet, and they are important for different types of people. A promising idea for future work is to evaluate the acceptance by young people of such mobile applications.

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