SYSTEM AND METHOD FOR DELIVERYING MULTI-CURRENCY FEATURES ONTO AN EXISTING CARD

The present disclosure provides a system and a method to delivery multi-currency features on an existing card without re-issuing another card for multi-currency. The proposed system uses virtual multi-currency ledgers to implement multi-currency payments on the existing card. The system provides multi-currency features to clients of issuer and cardholders. The multi-currency features may be accessed with issuer mobile banking app through a travel mode layer. The system is transparent to merchants/acquirer. Also, the system minimises issuer and issuer processor development

Assessing the diffusion and use of mobile payment solutions : a case of the South African townships

With mobile phones almost being ubiquitous in most communities, the electronic payment industry has realised the potential of using mobile phones as devices that can be used to conduct electronic payments. This realisation has led to an increase in the number of mobile payment solutions, which are being deployed for use by the public. However, these mobile payment solutions have not been widely adopted, especially by the citizens who are residing in the townships. Thus, this study investigates the factors that inhibit township residents from adopting mobile payments. The study was done at the Soshanguve township on the outskirts of Pretoria in Gauteng, South Africa. The study adopted a mixed method approach to collect data. Phase 1 relied on the interviews from a few selected individuals to collect the initial data, once this process was complete; a questionnaire (Phase 2) was developed and distributed to the general community of Soshanguve for data collection, which was qualitatively and quantitatively analysed.the diffusion and use of mobile payments in the townships. Some of the factors are as follows: mobile payments are not easy to use; lack of products to purchase using mobile payments; high costs associated with using mobile payment solutions; lack of trialability of mobile payment solutions; and lack of awareness of mobile payment providers in the townships. The study proposes several guidelines that could help developers and operators of mobile payment solutions to design and deploy their solutions in such a way that they are suitable for consumption by the users in township communities. Proposed guidelines are as follows: (1) when a mobile payment solution is launched, effort should be made to market it to the target market; (2) potential adopters of mobile payments should be able to try it without incurring any financial penalties; (3) mobile payments should be easier to use; (4) mobile payment security features should be apparent to the potential adopters in order to alleviate their fears; (5) mobile payment solutions should be designed according to the needs of the target market as one size fits all does not work; (6) mobile payment solutions should fulfill a need which is not met by the current alternatives or it should offer more value than the existing alternatives; (7) the cost of conducting mobile payments should be affordable; and (8) the regulator should develop legislation that stimulates innovation and competition while ensuring the security of mobile payments.ComputingM. Sc. (Computing

A Systematic Review of Real-Time Monitoring Technologies and Its Potential Application to Reduce Food Loss and Waste: Key Elements of Food Supply Chains and IoT Technologies

Continuous monitoring of food loss and waste (FLW) is crucial for improving food security and mitigating climate change. By measuring quality parameters such as temperature and humidity, real-time sensors are technologies that can continuously monitor the quality of food and thereby help reduce FLW. While there is enough literature on sensors, there is still a lack of understanding on how, where and to what extent these sensors have been applied to monitor FLW. In this paper, a systematic review of 59 published studies focused on sensor technologies to reduce food waste in food supply chains was performed with a view to synthesising the experience and lessons learnt. This review examines two aspects of the field, namely, the type of IoT technologies applied and the characteristics of the supply chains in which it has been deployed. Supply chain characteristics according to the type of product, supply chain stage, and region were examined, while sensor technology explores the monitored parameters, communication protocols, data storage, and application layers. This article shows that, while due to their high perishability and short shelf lives, monitoring fruit and vegetables using a combination of temperature and humidity sensors is the most recurring goal of the research, there are many other applications and technologies being explored in the research space for the reduction of food waste. In addition, it was demonstrated that there is huge potential in the field, and that IoT technologies should be continually explored and applied to improve food production, management, transportation, and storage to support the cause of reducing FLW

From panacea to public enemy number one: exploringbanking culture in the aftermath of the financial crisis

The 2008 global financial crisis has been estimated to have resulted in losses of $4.3 trillion dollars to global banking institutions (Castells et al. 2012). The crisis placed the spotlight on banking culture (Moore 2012, 2013; Peston; 2013; Smith 2012; Salz 2013 Spicer et al. 2014; Deloitte 2013; CIPD 2013;) with claims that the causes of the crisis transpired from the ‘very heart of its [banking industry’s] culture’ (FT.com 2014). In the aftermath banks have attempted to introduce cultural change programs to encourage the right behaviours and conduct in an attempt to reduce wrongdoing and misbehaviour.This thesis critically explores mainstream perspectives of organisational culture (Peter and Waterman 1982; Deal and Kennedy 1982) in the context of the banking industry. Mainstream perspectives on culture were encapsulated by the idea that culture can be shaped and modified by management to produce a ‘strong culture’, which would in turn increase commitment, productivity and profitability (Wiener 1988; Parker 2000; Kilmann 1985; Du Gay 1996). Thirty years on since cultural engineering’s initial introduction, practitioners and industry ‘experts’ continue to buy into the virtues of strong culture management, portraying it as a panacea to the banking industry’s problems (PwC 2016; Salz 2013; CIPD 2013).Therefore, this thesis aims to revisit the topic of organisational culture in order to look at how the banking industry has approached culture management post-crisis. This thesis will draw on Foucault’s work on power, discipline and discourse (1977; 1978; 1980) to provide a framework that allows for an exploration into the complexity and ambiguity of culture, arguing that organisational culture is mutually constructed through contesting power relations and the interactions of organisational members. In order to interpret and analyse the empirical data, this thesis developed the concept of performance discourse. This thesis argues that performance discourse influences conduct and behaviour at a taken for granted routine level. It is predicated on competition, financialization of the individual, internalising responsibility and the intensification of work and elitism. Performance discourse goes beyond the dualism that views culture as either a thing or as a metaphor discussed in previous studies. In so doing, it helps us to make sense of why the idea that culture is still a ‘thing’ and a tool for managerial manipulation still dominates industry perceptions, fuelling the continuing, widespread belief that culture is installed top-down

Modern bank sevices applied in world practice and its introduction in Uzbekistan

Thesis(Master) --KDI School:Master of Public Policy,2014masterpublishedDILDORA KHUDAYAROVA

How competencies are developed that enable exploration : a case study of First National Bank

This research considers how competencies are developed that allow for a firm to explore. Limited empirical studies exist on how these competencies are developed and how they evolve. Utilising a single case study research methodology approach, this research looks at a single case event at South Africa’s third biggest bank, First National Bank (FNB). In 2012, FNB was awarded the title of Most Innovative Bank in the World at the 2012 BAI –Finacle Global Banking Innovation Awards, recognising their contributions to radical banking solutions. Considering only one such innovation, the Smart Device offering, this research places into context how FNB have evolved the competencies to radically innovate in a world of scarce resources. The fundamental outcome of this research is that competencies take considerable time and resources to develop and as such, firms must make intelligent choices about their strategic competitive path. The research also highlights that the competency to explore requires a coalesce of many factors that when aligned with that strategic path, ready the firm to execute on opportunities that are outside of their relevant knowledge distant domain. FNB’s “customer eco-system” model has ensured congruence with existing competencies and upstream processes while engaging their employees in natural collaboration across business units. This research considers these and other factors that have led FNB to position themselves for exploration.Dissertation (MBA)--University of Pretoria, 2012.Gordon Institute of Business Science (GIBS)unrestricte

The Maine Folkpaper, January 1982

https://digitalmaine.com/maine_folkpaper/1011/thumbnail.jp

Aplicaciones (apps), redes sociales y comunicación móvil en el campo de la Publicidad y las Relaciones Públicas

El presente trabajo es el informe final del proyecto de Innovación Docente que, con el mismo nombre, se ha llevado a cabo en el curso 2012-2013 por parte de los profesores y alumnos que aparecen en la obra.Innovación Docente, Universidad de Cádi

Advertising in computer games

Thesis (S.M.)--Massachusetts Institute of Technology, Dept. of Comparative Media Studies, 2006.Includes bibliographical references (leaves [67]-[74]).This paper suggests advertisers should experiment with in-game advertising to gain skills that could become vital in the near future. It compiles, arranges and analyzes the existing body of academic and industry knowledge on advertising and product placement in computer game environments. The medium's characteristics are compared to other channels' in terms of their attractiveness to marketers, and the business environment is analyzed to offer recommendations on the relative advantages of in-game advertising. The paper also contains a brief historical review of in-game advertising, and descriptions of currently available and emerging advertising formats. Keywords: Advertising, marketing, branding, product placement, branded entertainment, networks, computer games, video games, virtual worlds.by Ilya Vedrashko.S.M