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    Information Technology and Company Policy: 4. Banking

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    Microcomputer-based Networks in Libraries and Information Services

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    A microcomputer on everyone\u27s desk is the norm in some organizations and is rapidly becoming so in many others. The incentive to link them together into networks is also growing. Reasons include: access to databases inside the organization and from elsewhere, electronic mail, and making the most out of available equipment, among others. Until recently, some computer equipment suppliers paid little heed to please from users for flexible networks to link their machines. On the other hand, others have emphasized the ability of their equipment to be networked together and with that of other manufacturers

    The Dangers of AI in Information Systems as Exposed by the Field of Computers and Law

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    Deconstructing Review Deception: A Study on Counterfactual Explanation and XAI in Detecting Fake and GPT-Generated Reviews

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    Our models not only deliver high-performing predictions but also illuminate the decision-making processes underlying these predictions. By experimenting with five datasets, we have showcased our framework\u27s prowess in generating diverse and specific counterfactuals, thereby enhancing deception detection capabilities and supporting review authenticity assessments. The results demonstrate the significant contribution of our research in furthering the understanding of AI-generated review detection and, more broadly, AI interpretability. Experimentation on five datasets reveals our framework\u27s ability to produce diverse and specific counterfactuals, significantly enriching deception detection capabilities and facilitating the evaluation of review authenticity. Our robust model offers a novel contribution to the understanding of AI applications, marking a significant step forward in both the detection of deceptive reviews and the broader field of AI interpretability

    From Data to Value: Revisiting Business Value Research in the Context of Data-Driven Insight Initiatives

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    The business value of data-driven insight initiatives (DDII), such as business intelligence or big data analytics, has been primarily studied from a variance perspective, often neglecting the process perspective. Although the variance perspective is well established and identifies key factors or capabilities critical to business value creation, the process perspective can provide explanations of how capabilities lead to business value. For organizations to fully understand how these capabilities impact the value-creation process and to prevent the failure of DDII, there is a need for prescriptive knowledge that encompasses both perspectives. Through a systematic literature review, this paper highlights the variance-focused conceptual landscape of DDII business value research. Based on these findings, along with an analysis of the (process-) explanations for this relationship, we introduce a hybrid explanation model that integrates the insights from both perspectives, thus providing a more comprehensive understanding of the mechanisms by which DDII capabilities lead to business value

    Unpopular Policies, Ineffective Bans: Lessons Learned from ChatGPT Prohibition in Italy

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    The rapid diffusion of disruptive technologies is generating a revolutionary and tangible impact over individuals, organizations and society. However, this rapid pace of development is not matched by up-to-date regulations, which makes the relationship between institutional policies and technological advancements complex and controversial. Taking as a reference generative AI, this work studies how individuals respond to public interventions banning disruptive technologies, exploring the arguments and sentiment they express towards it. By analysing approximately 15,000 X contributions on the suspension of ChatGPT in Italy, our work provide evidence that banning disruptive technologies is likely ineffective and unpopular. This was highlighted by the strong prevalence of individuals expressing a negative perception on the ban, by the presence of users actively and collaboratively searching solutions to bypass it, and a perceived institutional backwardness in terms of technology development

    The Art of Retail Pricing: Developing a Taxonomy for Describing Pricing Algorithms

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    The price is the most important determinant for product sales and is highly influential for a company\u27s success. Nevertheless, price determination often follows individuals’ rules of thumb augmented with product and economic performance indicators. With the increasing dissemination of artificial intelligence in organizations and society, the accuracy of price determination in retail might be enhanced by sophisticated pricing algorithms. Technological developments further increase the number of pricing algorithms and pricing tools available. Against this backdrop, we applied Nickerson et al.’s (2013) approach, proposing a taxonomy for describing pricing algorithms in retail. The taxonomy consists of 19 dimensions and 59 characteristics. Analyzing 70 pricing tools revealed a high specialization for selected retail domains, a focus on competitor monitoring and dynamic pricing, and a minor use of current machine learning techniques. This is a first attempt at structuring pricing algorithms and developing a price management toolbox that constructs artificial intelligence-enabled pricing algorithms

    Techno-Fair or Techno-Fear? The Impact of Generative AI on Age-Related Digital Divide

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    This study examines the impact of generative AI on the age-related digital divide and seeks to address the specific needs of older adults in the digital world. Existing research indicates that older individuals are less engaged with the internet and information and communication technologies due to concerns over trust, privacy, and insufficient digital skills. Generative AI offers opportunities for personalized education and improving digital abilities, which could narrow the digital age. Referring to relational demography theory, cognitive load theory, and digital literacy literature, this study argues that integrating verbal anthropomorphism cues and linear navigation structure enhances the digital efficacy of older adults. This, in turn, could bolster their confidence in technology use and promote independence. The study underscores the importance of addressing the digital divide in the context of an aging population, highlighting the social benefits and market potential of fulfilling the digital needs of older adults

    The 3P Model Of Hybrid Work: Practices, Protocols, Persistency

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