Real-time interactive speech technology at Threshold Technology, Incorporated

Basic real-time isolated-word recognition techniques are reviewed. Industrial applications of voice technology are described in chronological order of their development. Future research efforts are also discussed

Financial Services Segregation: Improving Access to Financial Services for Recent Latino Immigrants

This paper outlines elements of demand for financial services among recent Latino immigrants, summarizes key factors contributing to their financial segregation, and describes products, services and administrative practices that have been used successfully by depository institutions. Throughout the research and paper particular attention has been paid to the New England region.Remittances, Latin American immigrants, Banking, Best Practices, Anti-Money Laundering, Terrorist Financing, USA Inmigrantes Latinoamericanos, banca, Mejores Practicas, anti lavado de dinero, financiamiento de terroristas, USA

Financial literacy: an overview of practice, research, and policy

Attention to financial literacy has grown in recent years, in large part because technological, market, and legislative changes have resulted in a more complex financial services industry that requires consumers to be more actively involved in managing their finances. Consumer and community interest groups, banking companies, government agencies, and policymakers, among others, have become concerned that many consumers lack a working knowledge of financial concepts and the tools they need to make decisions most advantageous to their economic well-being. As a result, considerable resources have been devoted to financial literacy, with a wide range of organizations providing training, including banks, consumer and community groups, employers, and government agencies. Overall, studies suggest that financial literacy training can lead to better decisionmaking; however, the findings raise numerous questions about the best means of providing that training, the most appropriate setting, and the most opportune timing. Findings from recent research on personal money management styles, combined with awareness of human behavioral traits, offer insights that may be useful in developing successful training programs and strategies.Financial literacy ; Economics - Study and teaching ; Finance, Personal

2017-18 VCU Faculty Handbook

The VCU Faculty Handbook contains information about the university, its campus and the surrounding community. The Handbook is not a complete guide to academics, research and other services, but is intended as a reference guide to orient new and continuing faculty to the university and provides additional sources for information. For detailed school or department information, please reach out to the specific departmental office. The VCU Office of Faculty Affairs is committed to updating the Handbook on a yearly basis

Spoken content retrieval: A survey of techniques and technologies

Speech media, that is, digital audio and video containing spoken content, has blossomed in recent years. Large collections are accruing on the Internet as well as in private and enterprise settings. This growth has motivated extensive research on techniques and technologies that facilitate reliable indexing and retrieval. Spoken content retrieval (SCR) requires the combination of audio and speech processing technologies with methods from information retrieval (IR). SCR research initially investigated planned speech structured in document-like units, but has subsequently shifted focus to more informal spoken content produced spontaneously, outside of the studio and in conversational settings. This survey provides an overview of the field of SCR encompassing component technologies, the relationship of SCR to text IR and automatic speech recognition and user interaction issues. It is aimed at researchers with backgrounds in speech technology or IR who are seeking deeper insight on how these fields are integrated to support research and development, thus addressing the core challenges of SCR

Products and Services

Today’s global economy offers more opportunities, but is also more complex and competitive than ever before. This fact leads to a wide range of research activity in different fields of interest, especially in the so-called high-tech sectors. This book is a result of widespread research and development activity from many researchers worldwide, covering the aspects of development activities in general, as well as various aspects of the practical application of knowledge

A cultural analysis of information technology offshore outsourcing: an exercise in multi-sited ethnography of virtual work

This study is an exploration of how ethnography and anthropological analysis can provide new understanding of transnational, multi-sited research phenomena. Research focused on the work activities of one American client organization and its Indian IT service provider situated in the global virtual field of Information Technology (IT) offshore outsourcing. The Principal Investigator adapted and applied an ethnographic approach for her fieldwork in order to understand the norms, beliefs, and values about work, as well as the relationship between cultural differences and virtual communication. Dissertation findings offer new insight for anthropological discussions of globalization as well as suggest further development of studies in the virtual environment as a site for ethnographic inquiry

Universal Service in an All-IP World

For more than 100 years, the United States has used a variety of policy tools to encourage and ensure ubiquitous, affordable basic communications service. Universal and accessible communications services have been the foundation upon which our economy, personal communications, and civic participation depend. The laws and rules used to achieve universal service, however, have evolved with new technologies and markets and now, as the network is in the midst of several new technology transitions, the question of how to achieve and measure universal service arises again. This article examines the basic question of what the “basic service” is in today’s world. For decades basic voice service provider offer the traditional copper network has been treated as the basic universal service. Voice service certainly continues to be critical to business, personal, and emergency communications, but the time has now come to also acknowledge that broadband Internet access service is itself a basic service. The days of treating broadband access as a luxury are gone, and our policies should reflect that. With that in mind, this article considers a variety of metrics by which policymakers should evaluate broadband and voice services, to determine whether new services being offered are a true step forward for everyone in the technology transitions. Additionally, this article reviews potential tools that policymakers could use to achieve universal, affordable broadband and voice service. In the past, Congress and the FCC have used tools like carrier of last resort policies, Universal Service Fund programs, and voluntary efforts by companies to increase network build-out and access. At this early stage policymakers should seriously consider all available options to determine what approaches work best for new technologies. The development of new voice and broadband access services hold great potential, but they will only live up to that potential if the United States can fulfill its promise to ensure everyone has a meaningful chance to the use the networks we have all contributed to. There are still many details to work out, but policymakers should not delay in updating universal service policies to continue to serve the public throughout and after technology transitions

Universal Service in an All-IP World

For more than 100 years, the United States has used a variety of policy tools to encourage and ensure ubiquitous, affordable basic communications service. Universal and accessible communications services have been the foundation upon which our economy, personal communications, and civic participation depend. The laws and rules used to achieve universal service, however, have evolved with new technologies and markets and now, as the network is in the midst of several new technology transitions, the question of how to achieve and measure universal service arises again. This article examines the basic question of what the “basic service” is in today’s world. For decades basic voice service provider offer the traditional copper network has been treated as the basic universal service. Voice service certainly continues to be critical to business, personal, and emergency communications, but the time has now come to also acknowledge that broadband Internet access service is itself a basic service. The days of treating broadband access as a luxury are gone, and our policies should reflect that. With that in mind, this article considers a variety of metrics by which policymakers should evaluate broadband and voice services, to determine whether new services being offered are a true step forward for everyone in the technology transitions. Additionally, this article reviews potential tools that policymakers could use to achieve universal, affordable broadband and voice service. In the past, Congress and the FCC have used tools like carrier of last resort policies, Universal Service Fund programs, and voluntary efforts by companies to increase network build-out and access. At this early stage policymakers should seriously consider all available options to determine what approaches work best for new technologies. The development of new voice and broadband access services hold great potential, but they will only live up to that potential if the United States can fulfill its promise to ensure everyone has a meaningful chance to the use the networks we have all contributed to. There are still many details to work out, but policymakers should not delay in updating universal service policies to continue to serve the public throughout and after technology transitions

Information Outlook, May 2003

Volume 7, Issue 5https://scholarworks.sjsu.edu/sla_io_2003/1004/thumbnail.jp