Proximal business intelligence on the semantic web

This is the post-print version of this article. The official version can be accessed from the link below - Copyright @ 2010 Springer.Ubiquitous information systems (UBIS) extend current Information System thinking to explicitly differentiate technology between devices and software components with relation to people and process. Adapting business data and management information to support specific user actions in context is an ongoing topic of research. Approaches typically focus on providing mechanisms to improve specific information access and transcoding but not on how the information can be accessed in a mobile, dynamic and ad-hoc manner. Although web ontology has been used to facilitate the loading of data warehouses, less research has been carried out on ontology based mobile reporting. This paper explores how business data can be modeled and accessed using the web ontology language and then re-used to provide the invisibility of pervasive access; uncovering more effective architectural models for adaptive information system strategies of this type. This exploratory work is guided in part by a vision of business intelligence that is highly distributed, mobile and fluid, adapting to sensory understanding of the underlying environment in which it operates. A proof-of concept mobile and ambient data access architecture is developed in order to further test the viability of such an approach. The paper concludes with an ontology engineering framework for systems of this type – named UBIS-ONTO

Fighting Poverty, Profitably: Transforming the Economics of Payments to Build Sustainable, Inclusive Financial Systems

The Gates Foundation's Financial Services for the Poor program (FSP) believes that effective financial services are paramount in the fight against poverty. Nonetheless, today more than 2 billion people live outside the formal financial sector. Increasing their access to high quality, affordable financial services will accelerate the well-being of households, communities, and economies in the developing world. One of the most promising ways to deliver these financial services to the poor -- profitably and at scale -- is by using digital payment platforms.These are the conclusions we have reached as the result of extensive research in pursuit of one of the Foundation's primary missions: to give the world's poorest people the chance to lift themselves out of hunger and extreme poverty.FSP conducted this research because we believe that there is a gap in the fact base and understanding of how payment systems can extend digital services to low income consumers in developing markets. This is a complex topic, with fragmented information and a high degree of country-by-country variability. A complete view across the entire payment system has been missing, limiting how system providers, policy makers, and regulators (groups we refer to collectively as financial inclusion stakeholders) evaluate decisions and take actions. With a holistic view of the payment system, we believe that interventions can have higher impact, and stakeholders can better understand and address the ripple effects that changes to one part of the system can have. In this report, we focus on the economics of payment systems to understand how they can be transformed to serve poor people in a way that is profitable and sustainable in aggregate

Software Reliability in Semantic Web Service Composition Applications

Web Service Composition allows the development of easily reconfigurable applications that can be quickly adapted to business changes. Due to the shift in paradigm from traditional systems, new approaches are needed in order to evaluate the reliability of web service composition applications. In this paper we present an approach based on intelligent agents for semiautomatic composition as well as methods for assessing reliability. Abstract web services, corresponding to a group of services that accomplishes a specific functionality are used as a mean of assuring better system reliability. The model can be extended with other Quality of Services – QoS attributes.Software Reliability, Web Service Composition, Intelligent Agents

A modularized electronic payment system for agent-based e-commerce

With the explosive growth of the Internet, electronic-commerce (e-commerce) is an increasingly important segment of commercial activities on the web. The Secure Agent Fabrication, Evolution & Roaming (SAFER) architecture was proposed to further facilitate e-commerce using agent technology. In this paper, the electronic payment aspect of SAFER will be explored. The Secure Electronic Transaction (SET) protocol and E-Cash were selected as the bases for the electronic payment system implementation. The various modules of the payment system and how they interface with each other are shown. An extensible implementation done using JavaTM will also be elaborated. This application incorporates agent roaming functionality and the ability to conduct e-commerce transactions and carry out intelligent e-payment procedures

Evaluating the transition of e-Government: A review of local authorities in England

The goal of e-Government is seen as a panacea for governmental authorities. The emerging needs of citizens, their inclusion and engagement in policy development, political and participatory processes have meant new perspectives on e-Government are required. This paper seeks to identify and evaluate the preparedness of 10 UK-based local authorities to transition from basic e-Government to a more sophisticated and integrated e-Government. A categorical assessment of e-Government characteristics is made and these authorities are ranked accordingly. Our findings reveal the majority of local authorities sampled had reached a high percentage of informational and transactional e-Government but few had reached the interactional level and none had achieved assimilation. This suggests that local authorities seem to have focused on basic e-Government services. There is a need now to forge ahead to integration and assimilation of e-Government in order to address the critical objectives of citizen inclusion and engagement, and alignment of institutional processes to provide an infrastructure for the transition to e-governance and e-knowledge

Adoption of Mobile Money Transfer Services in Bangladesh: A Structural Equation Modeling Approach

In recent years, mobile phones have created a platform to expand commercial transactions in a very easy manner and have created a wide array of business opportunities through the expansion of wireless communication in developing countries. One of such uses is the use of mobile phones in financial services industry. Hence, this research aims to investigate the key factors that influence the Bangladeshi consumers’ acceptance and use of mobile money transfer technology using key constructs from the Technology Acceptance Model (TAM) and Diffusion of Innovation (DOI) theory. We analyzed the data using Structured Equation Modeling (SEM) to evaluate the strength of the hypothesized relationships, if any, among the constructs, which include Perceived Ease of Use and Perceived Usefulness, Perceived Trust, Perceived Risk, Perceived Transaction Cost and Trialability as independent variables, and Behavior Intention to Use as the dependent variable. The results provide support of the extended TAM model and confirm its robustness in predicting customers’ intention of adoption of MMT. This study contributes to the literature by formulating and validating TAM to predict MMT adoption, and its findings provide useful information for firms in formulating MMT marketing strategies. Keywords: Technology Acceptance Model, Diffusion Of Innovation, Adoption, Mobile Money Transfer Technology, Structured Equation Modeling

Digital financial inclusion and fiscal solvency in Uganda’s local governments: A review of regulation mediation

Fiscal solvency has become a popular phenomenon in numerous decentralizing countries in recent years. The ability to mobilize adequate revenue to fund expenditure in a given budget period, and provide public goods and services, makes fiscal solvency very pertinent, especially in local government. However, policy, practice, and research, claim that most local entities, both in the developed and developing world, rarely achieve required fiscal solvency standards. While no clear explanation of the problem abounds, digital financial inclusion dominates the ongoing debate. Besides, regulation is also considered a very crucial factor for fiscal solvency. This study examines the probable mediation effect regulation has on the digital financial inclusion-fiscal solvency relationship in local governments in Uganda, East Africa. Based on a cross-sectional research design, data were collected from 21 districts, nine municipalities, and many sub-counties in the country’s post-conflict northern regions. The data were then subjected to structural equation modeling analysis. Its findings reveal that digital financial inclusion explains changes in fiscal solvency in surveyed local governments. Moreover, regulation has an indirect influence on the digital financial inclusion-fiscal solvency formation. Findings implications to practice and theory are discussed, and future research direction is provide