Interaction effects on prediction of children weight at school entry using model averaging

Model selection introduce uncertainty to the model building process, therefore model averaging was introduced as an alternative to overcome the problem of underestimate of standards error in model selection. This research also focused on using selection criteria between Corrected Akaike's Information Criteria (AICC) and Bayesian Information Criteria (BIC) as weight for model averaging when involving interaction effects. Mean squared error of prediction (MSE(P)) was used in order to determine the best model for model averaging. Gateshead Millennium Study (GMS) data on children weight used to illustrate the comparison between AICC and BIC. The results showed that model selection criterion AICC performs better than BIC when there are small sample and large number of parameters included in the model. The presence of interaction variable in the model is not significant compared to the main factor variables due to the lower coefficient value of interaction variables. In conclusion, interaction variables give less information to the model as it coefficient value is lower than main factor

Critical success factors for preventing E-banking fraud

E-Banking fraud is an issue being experienced globally and is continuing to prove costly to both banks and customers. Frauds in e-banking services occur as a result of various compromises in security ranging from weak authentication systems to insufficient internal controls. Lack of research in this area is problematic for practitioners so there is need to conduct research to help improve security and prevent stakeholders from losing confidence in the system. The purpose of this paper is to understand factors that could be critical in strengthening fraud prevention systems in electronic banking. The paper reviews relevant literatures to help identify potential critical success factors of frauds prevention in e-banking. Our findings show that beyond technology, there are other factors that need to be considered such as internal controls, customer education and staff education etc. These findings will help assist banks and regulators with information on specific areas that should be addressed to build on their existing fraud prevention systems

Pendekatan konstruktif dalam inovasi pengajaran dan pembelajaran Bahasa Melayu di Kolej Vokasional

Pendekatan konstruktif adalah pendekatan pengajaran dan pembelajaran yang berpusatkan pelajar manakala inovasi pengajaran pula dikaitkan dengan kaedah pengajaran yang terbaru demi mengukuhkan pemahaman pelajar. Pembelajaran berasaskan pendekatan konstruktif merupakan elemen yang penting dan perlu difahami oleh guru-guru bagi memantapkan proses pengajaran dan pembelajaran sesuai dengan peredaran masa dan menjayakan proses tranformasi pendidikan negara. Objektif kajian ini dijalankan untuk mengenal pasti pemahaman guru-guru bahasa Melayu berkaitan inovasi, mengenal pasti perbezaan yang wujud antara guru lelaki dan guru perempuan dalam mengamalkan inovasi, pengkaji juga melihat adakah wujud perbezaan antara guru baru dan guru yang sudah berpengalaman dalam aspek mengaplikasikan inovasi serta mengenal pasti kekangan-kekangan yang dialami oleh para guru untuk mengaplikasikan inovasi di sekolah. Seramai 63 orang guru bahasa Melayu dari lapan buah kolej vokasional telah dipilih sebagai responden dalam kajian ini. Data dianalisis menggunakan perisian Winsteps 3.69.1.11 dengan pendekatan Model Pengukuran Rasch. Hasil analisis menunjukkan bahawa guru�guru bahasa Melayu memahami kepentingan inovasi dalam pengajaran dan pembelajaran. Hasil kajian juga menunjukkan guru-guru perempuan lebih banyak menerapkan unsur inovasi dalam pengajaran berbanding guru lelaki. Walaupun begitu, aspek pengalaman tidak menunjukkan perbezaan dari segi pengamalan inovasi sama ada guru baru ataupun guru yang sudah berpengalaman. Pengkaji juga mengenal pasti beberapa kekangan yang dialami oleh guru-guru untuk mengamalkan inovasi ini. Sebagai langkah untuk menangani masalah berkenaan, beberapa cadangan telah dikemukakan oleh pengkaji bagi memastikan guru-guru dapat merealisasikan proses pengajaran berkesan dengan penerapan inovasi mengikut model pendekatan konstruktif. Pengkaji berharap, kajian ini dapat dijadikan sebagai satu panduan kepada pelaksana kurikulum bagi memastikan budaya inovasi sentiasa menjadi amalan dalam kalangan guru demi mengangkat profesionalisme guru di Malaysia

The State of e-Banking Implementation in Nigeria: A Post-Consolidation Review

The most widely used e-Banking instrument in �igeria is e-Payment, particularly the automatic teller machine (ATM) card. However, with the adoption of e-Banking by all the banks in �igeria, the volume of cash in circulation has continued to increase pre-and-post bank recapitalization/consolidation exercise. Furthermore, some of the 25 banks that survived the exercise were found lately to have depleted their capital base and have lost credibility before the consumers, e-Banking implementation notwithstanding. Therefore, in this paper, we review the state of e-Banking implementation in �igeria and evaluate the influence of trust on the adoption of e-Payment using an extended technology acceptance model (TAM). Similarly, we investigate organizational reputation, perceived risk and perceived trust in the management of banks as a factor for enhancing customer loyalty. The findings in this work reveal that perceived ease of use and perceived usefulness are not only antecedent to ebanking acceptance, they are also factors to retain customers to the use of e-banking system such as organizational reputation, perceived risk and trust

A Framework for M-Commerce Implementation in Nigeria

The Internet has brought about the concept of grobalilation, which has revolutionized the way business is transacted all over the world. The E-comnterce is of particular interest, though widely used but still has some security challenges in terms of transparency and confidentiality of transactiorts. This papei focuses on M-contnrcrce as an extensiott to E-commerce hnplementatiott with the Bankiltg industry proposed as core implementation consideration in ortler to guarantee high level security. We have reviewed some cqses of onlilrc frauds and eliscussed tlte emerging critical issues afficting software development of M-cornmerce applicatiotts. Afranrcworkfor M-commerce implementationis therefore,proposed for countries such as Nigeria, Romania and Indonesia where cases of online scam are alanning

Factors Influencing People’s Intention to Adopt E-Banking: An Empirical Study of Consumers in Shandong Province, China

E-Banking is growing at an unprecedented rate and has become a truly worldwide phenomenon, offering convenience, flexibility and interactivity for those that can, and know how to access it. This is clearly evidence in China. However, despite such growth and popularity, some users still have reservations about using Information and communication technology (ICT) in their daily banking activities, perhaps due to deep routed cultural factors that cause consumers to question the efficacy of such changes. Through the application of a technology acceptance framework, and empirical evidence from 52 E-Banking user questionnaires and four key market segment interviews, the research explores the factors that influence consumers’ intention to adopt E-Banking in Shandong Province of China. The findings highlight that perceived usefulness and perceived credibility are significant factors which have a positive influence on consumers’ intention to utilise E-Banking, while perceived ease of use and perceived cost are less significant. Unpacking the reasons for resistance to the use of E-Banking highlighted that “difficult to operate”, “unnecessary to use it” and “worry about the security” are key drivers and therefore challenges for the service providers. Based on the results, recommendations are drawn for banks, involving focusing on the significant factors, avoiding weaknesses and optimising strengths of E-Banking and ultimately developing more accurate market positioning strategies to align and manage consumer expectations and maximise potential acceptance

Improving the Effectiveness of the Dissemination Method in Disaster Early Warning Messages

The dissemination of disaster early warning messages has a significant role in the effectiveness and serviceability in an Early Warning System (EWS). Providing the community in a disaster area with an adequate dissemination and communication of early warning messages will improve people's awareness and reaction to a natural hazard. People who live in a disaster area play a crucial role in the success of EWS. Malaysian, Sri Lankan, Bangladeshi and Indonesian authorities employ mobile phone applications, such as text messages (SMS), as a tool for disaster warning messages. However, there are many challenges in methods for disseminating early warning messages. One of the challenges is the dissemination method in which only notification messages are sent. In this paper, we propose confirmation or verification messages, as part of disaster early warning messages, by using text messages. Confirmation messages are messages that use a verification channel to provide up-to- date official information about the latest natural disaster conditions. Keywords: disaster management, early warning messages dissemination, SM