358 research outputs found

    The Datafication of Open Banking: A critical interrogation into the data privacy issues and cybersecurity risk implications of cross-border data flows under Canada’s proposed Open Banking Framework

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    Banks have always served as the chief custodians of financial data and in this role, they regulate the activities between customers, technology, and merchants. The worldwide consumer demands have added pressure to financial institutions to adopt more streamlined methods when it comes to accessing financial data. This comes at a time when the financial services industry sits on the verge of pending reforms through digitisation and crossborder transactions. Open banking is one such change which is predicted to shake up the traditional banking model and is expected to bring a plethora of benefits to both customers and the financial industry. Open banking provides access to consumer banking, transactions, and other financial information to third party providers (TPPs) via application programming interfaces (APIs). Open banking has the possibility of expanding to include user consent-based movement of information for investments, insurance, telecommunications, utilities and more. This ability to share financial data through APIs could promote faster, easier, and more secure payments, particularly crossborder transactions. There are three major challenges with open banking that this research covers. The first is that open banking introduces a consumer data portability feature at a time when there is no existing right under the current law. The second is that open banking is a consent-based system that will require a higher standard of consent from a privacy law perspective especially in relation to crossborder transactions. The third is that open banking exacerbates existing cybersecurity risks while creating new ones which may require additional protections through either the financial or privacy law regimes. It is useful to explore that each country imposes separate regulatory limits on what personal data can be transferred or stored in their markets and whether there can ultimately be interoperability of these structures for crossborder transactions. Open banking raises concern that it may become a dangerous route for criminals to trick naïve consumers into disclosing secret information, allowing illegal access to their personal data. As such, there is no room for error in rolling out open banking as a model, as its failure could result in harsh economic impacts across the financial sector

    Bringing Back the Love. The Emotional Connection of Growth and Change through Multi-Community Local Area Planning in Calgary, AB.

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    This study examines the complexities of community planning and the significant role of human emotion in the process. Using a practice-based approach, the study explored an innovative codesign strategy as implemented in the Local Area Planning Program (LAP) of The City of Calgary to address these challenges. The LAPs embody a community-led approach to policy and growth planning in established areas, prioritizing emotional co-authorship and the integration of community-specific knowledge in planning. Using a series of semi-structured interviews, six distinguished practitioners provided their diverse perspectives and approaches, with the goal of generating new considerations, tools, and recommendations to integrate into my practice. Applying the LAPs as working models of community connection, this study employed a design science methodology to collect information, reflect, and obtain expert feedback on both practice and design. The aim was to curate a contemporary collection of practice-based tools, strategies, and insights that contribute to The Handbook for Community Connection, a practitioner's guide for fostering emotional connections between communities and the redevelopment process. The Handbook offers a range of practical tools that can fit into a variety of contexts, scales, and available resources, enabling a redefinition of planning processes. The study concludes that by prioritizing empathy and building relationships, redefining planning processes becomes more habitual in practice. Furthermore, continually reflecting on your practice is key to facilitating meaningful connections within community. Relying solely on policy to address societal issues yields limited results; the profession needs a more nuanced and holistic approach. Ultimately, with the study in mind, community planning can be an act of of caring, one that helps to build stronger, more connected, and loving communities

    Ethnographies of Collaborative Economies across Europe: Understanding Sharing and Caring

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    "Sharing economy" and "collaborative economy" refer to a proliferation of initiatives, business models, digital platforms and forms of work that characterise contemporary life: from community-led initiatives and activist campaigns, to the impact of global sharing platforms in contexts such as network hospitality, transportation, etc. Sharing the common lens of ethnographic methods, this book presents in-depth examinations of collaborative economy phenomena. The book combines qualitative research and ethnographic methodology with a range of different collaborative economy case studies and topics across Europe. It uniquely offers a truly interdisciplinary approach. It emerges from a unique, long-term, multinational, cross-European collaboration between researchers from various disciplines (e.g., sociology, anthropology, geography, business studies, law, computing, information systems), career stages, and epistemological backgrounds, brought together by a shared research interest in the collaborative economy. This book is a further contribution to the in-depth qualitative understanding of the complexities of the collaborative economy phenomenon. These rich accounts contribute to the painting of a complex landscape that spans several countries and regions, and diverse political, cultural, and organisational backdrops. This book also offers important reflections on the role of ethnographic researchers, and on their stance and outlook, that are of paramount interest across the disciplines involved in collaborative economy research

    Підприємництво та бізнес-адміністрування в умовах діджиталізації: матеріали Міжнар. наук.-практ. інтернет-конф.

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    У збірнику наведені матеріали міжнародної науково-практичної інтернет-конференції «ПІДПРИЄМНИЦТВО ТА БІЗНЕС-АДМІНІСТРУВАННЯ В УМОВАХ ДІДЖИТАЛІЗАЦІЇ», яка проходила з 01 лютого по 28 лютого 2023 року в Харківському національному університеті міського господарства імені О. М. Бекетова. Розглядалися питання щодо застосування підходів, механізмів та інструментарію у вирішенні проблем і визначенні трендів розвитку підприємництва та бізнес-адміністрування в умовах діджиталізації

    Current issues of the management of socio-economic systems in terms of globalization challenges

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    The authors of the scientific monograph have come to the conclusion that the management of socio-economic systems in the terms of global challenges requires the use of mechanisms to ensure security, optimise the use of resource potential, increase competitiveness, and provide state support to economic entities. Basic research focuses on assessment of economic entities in the terms of global challenges, analysis of the financial system, migration flows, logistics and product exports, territorial development. The research results have been implemented in the different decision-making models in the context of global challenges, strategic planning, financial and food security, education management, information technology and innovation. The results of the study can be used in the developing of directions, programmes and strategies for sustainable development of economic entities and regions, increasing the competitiveness of products and services, decision-making at the level of ministries and agencies that regulate the processes of managing socio-economic systems. The results can also be used by students and young scientists in the educational process and conducting scientific research on the management of socio-economic systems in the terms of global challenges

    Science and Innovations for Food Systems Transformation

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    This Open Access book compiles the findings of the Scientific Group of the United Nations Food Systems Summit 2021 and its research partners. The Scientific Group was an independent group of 28 food systems scientists from all over the world with a mandate from the Deputy Secretary-General of the United Nations. The chapters provide science- and research-based, state-of-the-art, solution-oriented knowledge and evidence to inform the transformation of contemporary food systems in order to achieve more sustainable, equitable and resilient systems
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