scholarly journals Fintech, Regtech and Suptech: Three Dimensional Approaches to Digital Finance

2021 ◽  
Vol 4 (i) ◽  
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Universal Access ◽  
Three Dimensional ◽  
Primary Source ◽  
Three Dimensions ◽  
Financing System ◽  
Secondary Sources ◽  
International Remittances ◽  
Digital Payments

Every institution is now doing business transactions through digital financing system. Digital financing solutions offer great potential to overcome challenges and contribute toward achieving universal access to financial services. However, it is noticed that insufficiency of technological up-gradation and various issues created by hackers that might include fraudulent online transactions as an example, hampers people who are not aware of the other side of technology. There are three stages in the implementation of digital finance viz., Fintech, Regtech and Suptech. ‘Fintech’ is an application of Technology for financial services that include; digital payments and e-money, international remittances, personal and business loans, peer-topeer lending platforms, crowd funding platforms, Robo-advisors, Crypto currencies like Bitcoin, Altcoin, etc. ‘Regtech’ is a contraction of the terms ‘regulatory’ and ‘technology’ and it describes the context of regulatory monitoring, reporting, and compliance. ‘Suptech’ is derived from ‘Supervision’ and ‘Technology’, which monitors ‘Fintech’ and ‘Regtech’. The rise of Fintech will undermine the widespread assumption that the primary source of systemic risk in the financial sector is the domination of large, “systemically important” banks and other financial institutions. On this backdrop, this paper aimed to explore the importance of Fintech, Regtech, and Suptech as three stage approach to digital finance. This paper makes a focus as the special dynamics regarding how Fintech, Regtech, and Suptech as three stage approach to digital finance work and will become the better substitute of banks and other financial systems. Based on review of secondary sources, this paper highlights: 1. the problems and obstacles faced by corporate entities in digital finance and 2. the interdependency of three dimensions of technology viz., Fintech, Regtech and Suptech. Keywords: Digital finance, Financial literacy, Fintech, Regtech and Suptech.

convergent-beam diffraction from surfaces

1987 ◽  
Vol 45 ◽  
pp. 30-33
Author(s):  
J. A. Eades ◽  
A. E. Smith ◽  
D. F. Lynch
Keyword(s):  
Reciprocal Lattice ◽  
Three Dimensional ◽  
Grazing Incidence ◽  
Three Dimensions ◽  
Plane Figure ◽  
Transmission Electron ◽  
Convergent Beam ◽  
Beam Patterns ◽  
Beam Diffraction

It is quite simple (in the transmission electron microscope) to obtain convergent-beam patterns from the surface of a bulk crystal. The beam is focussed onto the surface at near grazing incidence (figure 1) and if the surface is flat the appropriate pattern is obtained in the diffraction plane (figure 2). Such patterns are potentially valuable for the characterization of surfaces just as normal convergent-beam patterns are valuable for the characterization of crystals.There are, however, several important ways in which reflection diffraction from surfaces differs from the more familiar electron diffraction in transmission.GeometryIn reflection diffraction, because of the surface, it is not possible to describe the specimen as periodic in three dimensions, nor is it possible to associate diffraction with a conventional three-dimensional reciprocal lattice.

Extension of the Spatial PDI Model to Three Dimensions

1997 ◽  
Vol 84 (1) ◽  
pp. 176-178
Author(s):  
Frank O'Brien
Keyword(s):  
Population Density ◽  
Dimensional Space ◽  
Finite Lattice ◽  
Three Dimensional ◽  
Upper Bounds ◽  
Three Dimensions ◽  
Lower And Upper Bounds ◽  
Density Index ◽  
Three Dimensional Space

The author's population density index ( PDI) model is extended to three-dimensional distributions. A derived formula is presented that allows for the calculation of the lower and upper bounds of density in three-dimensional space for any finite lattice.

An Assessment of Hygiene Maintenance Factors Effect on Employees’ Productivity in Nigerian Telecommunication Industry

2017 ◽  
Vol 4 (1) ◽  
pp. 52
Author(s):  
Ann Ogbo ◽  
Kifordu Anyibuofu Anthony ◽  
Okagu Kosisochukwu
Keyword(s):  
Interpersonal Relations ◽  
Telecommunication Network ◽  
Primary Source ◽  
Vital Role ◽  
Telecommunication Industry ◽  
Mobile Telecommunication ◽  
Secondary Sources ◽  
Maintenance Factors ◽  
Geographical Scope ◽  
Survey Approach

The study aimed at establishing an assessment of hygiene maintenance factors effects on employees’productivity. The hygiene/maintenance factors play vital role in employees’ productivity. They do not motivate employee in organization, yet they must be present or dissatisfaction will arise. . The study is aimed to pursue the following objectives: To determine the extent to which working conditions improve the performance of employees, to ascertain the effect of interpersonal relations within the organization on firms’ profitability and to assesthe extent to whichcompensation improve the performance of employees.The study was conducted using the survey approach. The geographical scope of the study was Mobile telecommunication network (MTN), located within Enugu metropolis. Two sources of data were utilized in the study: they included primary and secondary sources. The primary source wasthrough the administration of copies of designed questionnaire to a total of forty one respondents that made up the sample size for the study.

Achieving Financial Inclusion for Persons With Disabilities: Exploring Preparedness and Accessibility of Financial Services for Persons With Disabilities in Malawi

2021 ◽  
pp. 104420732110275
Author(s):  
Alex Nester Jiya ◽  
Maxwell Peprah Opoku ◽  
William Nketsia ◽  
Joslin Alexei Dogbe ◽  
Josephine Nkrumah Adusei
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Commercial Banks ◽  
Empirical Studies ◽  
Well Being ◽  
Living Conditions ◽  
Inclusive Development ◽  
Future Research ◽  
Structured Interviews ◽  
Persons With Disabilities

Deplorable living conditions among persons with disabilities and the need to improve their living conditions cannot be overemphasized. This has triggered international discussion on the need for deliberate social policies to bridge the poverty gap between persons with and without disabilities. In Malawi, expansion of financial services has been identified as an essential tool to accelerate economic and inclusive development. However, empirical studies are yet to explore the preparedness of financial institutions to extend their services to persons with disabilities. In this qualitative study, semi-structured interviews were conducted with managers from commercial banks in Malawi to understand their perspectives on extending financial services to persons with disabilities. Interviews were transcribed verbatim and a descriptive thematic analysis was performed. Although participants reiterated the need to provide persons with disabilities with financial services to improve their well-being, few initiatives have been undertaken to improve their participation. Particularly, participants stated that barriers, such as a lack of financial literacy and adaptive technologies, communication barriers, and high rates of unemployment, explained the reluctance of commercial banks to extend financial services to persons with disabilities. The limitations, recommendations for future research, and implications of the study for policymaking have been highlighted.

scholarly journals Free partition functions and an averaged holographic duality

2021 ◽  
Vol 2021 (1) ◽  
Author(s):  
Nima Afkhami-Jeddi ◽  
Henry Cohn ◽  
Thomas Hartman ◽  
Amirhossein Tajdini
Keyword(s):  
Partition Function ◽  
Spectral Gap ◽  
Central Charge ◽  
Three Dimensional ◽  
Two Dimensions ◽  
Three Dimensions ◽  
Partition Functions ◽  
General Constraints ◽  
Dimensional Gravity ◽  
Holographic Duality

Abstract We study the torus partition functions of free bosonic CFTs in two dimensions. Integrating over Narain moduli defines an ensemble-averaged free CFT. We calculate the averaged partition function and show that it can be reinterpreted as a sum over topologies in three dimensions. This result leads us to conjecture that an averaged free CFT in two dimensions is holographically dual to an exotic theory of three-dimensional gravity with U(1)c×U(1)c symmetry and a composite boundary graviton. Additionally, for small central charge c, we obtain general constraints on the spectral gap of free CFTs using the spinning modular bootstrap, construct examples of Narain compactifications with a large gap, and find an analytic bootstrap functional corresponding to a single self-dual boson.

scholarly journals Comparison of the Initial Growth of Different Poplar Clones on Four Sites in Western Slovakia—Preliminary Results

2021 ◽  
Author(s):  
Dávid Heilig ◽  
Bálint Heil ◽  
Christoph Leibing ◽  
Heinz Röhle ◽  
Gábor Kovács
Keyword(s):  
Hybrid Poplar ◽  
Aridity Index ◽  
Primary Source ◽  
Nutrient Status ◽  
Physical Parameters ◽  
Initial Growth ◽  
Key Factors ◽  
Groundwater Availability ◽  
Secondary Sources ◽  
Short Rotation

AbstractThis study was conducted to evaluate four hybrid poplar comparison tests along a groundwater availability gradient in Western Slovakia. The weather fluctuation during the 3-year study period was described with indices, such as the Forestry Aridity Index (FAI) or the hydrothermal coefficient (HTC). The soil chemical and physical parameters were determined from soil samples from the two upper horizons. The nutrient status and supply of the trees were categorized based on leaf elemental analysis. Altogether, 21 different clones from 6 genomic groups were compared. The survival (SRV), diameter at breast height (DBH), and height of the trees (H) had been measured annually since the plantations were established, and from these measurements, mean annual height increment (MAHI) values were derived. These weather, edaphic, and clonal factors were evaluated and compared. Significant effects of the site (edaphic factors) were found as the primary source of variance and clonal differences as secondary sources of variance among the growth of trees. The interaction of site × clone effects was not significant. The results showed that for short rotation forestry (SRF), the site parameters—especially groundwater availability—are key factors.

scholarly journals Architectural ruins: geoculture of the anatomy of buildings as illustrated by Casa Ippolito, Malta

2021 ◽  
Vol 9 (1) ◽  
Author(s):  
Lino Bianco
Keyword(s):  
Material Culture ◽  
Building Materials ◽  
Raw Materials ◽  
Primary Source ◽  
Secondary Sources ◽  
Non Invasive ◽  
History Of ◽  
Aerial Vehicle ◽  
Materials Used ◽  
Building Physics

AbstractRuins are a statement on the building materials used and the construction method employed. Casa Ippolito, now in ruins, is typical of 17th-century Maltese aristocratic country residences. It represents an illustration of secondary or anthropogenic geodiversity. This paper scrutinises these ruins as a primary source in reconstructing the building’s architecture. The methodology involved on-site geographical surveying, including visual inspection and non-invasive tests, a geological survey of the local lithostratigraphy, and examination of notarial deeds and secondary sources to support findings about the building’s history as read from its ruins. An unmanned aerial vehicle was used to digitally record the parlous state of the architectural structure and karsten tubes were used to quantify the surface porosity of the limestone. The results are expressed from four perspectives. The anatomy of Casa Ippolito, as revealed in its ruins, provides a cross-section of its building history and shows two distinct phases in its construction. The tissue of Casa Ippolito—the building elements and materials—speaks of the knowledge of raw materials and their properties among the builders who worked on both phases. The architectural history of Casa Ippolito reveals how it supported its inhabitants’ wellbeing in terms of shelter, water and food. Finally, the ruins in their present state bring to the fore the site’s potential for cultural tourism. This case study aims to show that such ruins are not just geocultural remains of historical built fabric. They are open wounds in the built structure; they underpin the anatomy of the building and support insights into its former dynamics. Ruins offer an essay in material culture and building physics. Architectural ruins of masonry structures are anthropogenic discourse rendered in stone which facilitate not only the reconstruction of spaces but also places for human users; they are a statement on the wellbeing of humanity throughout history.

Turbulent three-dimensional dielectric electrohydrodynamic convection between two plates

2012 ◽  
Vol 696 ◽  
pp. 228-262 ◽  
Author(s):  
A. Kourmatzis ◽  
J. S. Shrimpton
Keyword(s):  
Spatial Data ◽  
Three Dimensional ◽  
Reynolds Numbers ◽  
Two Dimensions ◽  
Three Dimensions ◽  
Energy Budgets ◽  
Turbulent Regime ◽  
Scalar Flux ◽  
Wide Range ◽  
Scalar Variance

AbstractThe fundamental mechanisms responsible for the creation of electrohydrodynamically driven roll structures in free electroconvection between two plates are analysed with reference to traditional Rayleigh–Bénard convection (RBC). Previously available knowledge limited to two dimensions is extended to three-dimensions, and a wide range of electric Reynolds numbers is analysed, extending into a fully inherently three-dimensional turbulent regime. Results reveal that structures appearing in three-dimensional electrohydrodynamics (EHD) are similar to those observed for RBC, and while two-dimensional EHD results bear some similarities with the three-dimensional results there are distinct differences. Analysis of two-point correlations and integral length scales show that full three-dimensional electroconvection is more chaotic than in two dimensions and this is also noted by qualitatively observing the roll structures that arise for both low (${\mathit{Re}}_{E} = 1$) and high electric Reynolds numbers (up to ${\mathit{Re}}_{E} = 120$). Furthermore, calculations of mean profiles and second-order moments along with energy budgets and spectra have examined the validity of neglecting the fluctuating electric field ${ E}_{i}^{\ensuremath{\prime} } $ in the Reynolds-averaged EHD equations and provide insight into the generation and transport mechanisms of turbulent EHD. Spectral and spatial data clearly indicate how fluctuating energy is transferred from electrical to hydrodynamic forms, on moving through the domain away from the charging electrode. It is shown that ${ E}_{i}^{\ensuremath{\prime} } $ is not negligible close to the walls and terms acting as sources and sinks in the turbulent kinetic energy, turbulent scalar flux and turbulent scalar variance equations are examined. Profiles of hydrodynamic terms in the budgets resemble those in the literature for RBC; however there are terms specific to EHD that are significant, indicating that the transfer of energy in EHD is also attributed to further electrodynamic terms and a strong coupling exists between the charge flux and variance, due to the ionic drift term.

scholarly journals The Everyday Life of Security: Capturing Space, Practice, and Affect

2021 ◽  
Author(s):  
Jonna Nyman
Keyword(s):  
Everyday Life ◽  
Research Methods ◽  
Lived Experiences ◽  
Three Dimensional ◽  
Three Dimensions ◽  
Conceptual Clarity ◽  
The Everyday ◽  
Participatory Photography ◽  
High Politics ◽  
Ordinary Citizens

Abstract Security shapes everyday life, but despite a growing literature on everyday security there is no consensus on the meaning of the “everyday.” At the same time, the research methods that dominate the field are designed to study elites and high politics. This paper does two things. First, it brings together and synthesizes the existing literature on everyday security to argue that we should think about the everyday life of security as constituted across three dimensions: space, practice, and affect. Thus, the paper adds conceptual clarity, demonstrating that the everyday life of security is multifaceted and exists in mundane spaces, routine practices, and affective/lived experiences. Second, it works through the methodological implications of a three-dimensional understanding of everyday security. In order to capture all three dimensions and the ways in which they interact, we need to explore different methods. The paper offers one such method, exploring the everyday life of security in contemporary China through a participatory photography project with six ordinary citizens in Beijing. The central contribution of the paper is capturing—conceptually and methodologically—all three dimensions, in order to develop our understanding of the everyday life of security.

scholarly journals Topological correlators and surface defects from equivariant cohomology

2020 ◽  
Vol 2020 (9) ◽  
Author(s):  
Rodolfo Panerai ◽  
Antonio Pittelli ◽  
Konstantina Polydorou
Keyword(s):  
Quantum Mechanics ◽  
Equivariant Cohomology ◽  
Surface Defects ◽  
Star Product ◽  
Three Dimensional ◽  
Three Dimensions ◽  
Dimensional System ◽  
The Novel ◽  
One Dimensional ◽  
Dual Quantum

Abstract We find a one-dimensional protected subsector of $$ \mathcal{N} $$ N = 4 matter theories on a general class of three-dimensional manifolds. By means of equivariant localization we identify a dual quantum mechanics computing BPS correlators of the original model in three dimensions. Specifically, applying the Atiyah-Bott-Berline-Vergne formula to the original action demonstrates that this localizes on a one-dimensional action with support on the fixed-point submanifold of suitable isometries. We first show that our approach reproduces previous results obtained on S3. Then, we apply it to the novel case of S2× S1 and show that the theory localizes on two noninteracting quantum mechanics with disjoint support. We prove that the BPS operators of such models are naturally associated with a noncom- mutative star product, while their correlation functions are essentially topological. Finally, we couple the three-dimensional theory to general $$ \mathcal{N} $$ N = (2, 2) surface defects and extend the localization computation to capture the full partition function and BPS correlators of the mixed-dimensional system.

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