The Impact of Trust on Acceptance of Online Banking

Major benefits of Online Banking include for banks cost savings, and for customers convenience. Nevertheless, many people perceive Internet banking as risky. This paper introduces a tentative conceptual framework. Trust will be integrated into the Technology Acceptance Model – TAM - (Davis, 1989). Recent research showed that Trust has a striking influence on user willingness to engage in online exchanges of money and personal sensitive information. Detailed literature about Online Banking and Trust is provided. TAM is discussed in depth; external variables that are suitable for the Online Banking context is suggested. In addition the theoretical justification for the conceptual framework integration is discussed. Finally managerial implications and recommendations for Online Banking acceptance are suggested

The effect of blade aerodynamic modelling on the prediction of high-frequency rotor airloads

Interactions between the blades and vortical structures within the wake of a helicopter rotor are a significant source of impulsive loading and noise, particularly in descending flight. Brown's Vorticity Transport Model has been used to investigate the influence of the fidelity of the local blade aerodynamic model on the accuracy with which the high-frequency airloads associated with blade-vortex interactions can be predicted. The Vorticity Transport Model yields a very accurate representation of the structure of the wake, and allows significant flexibility in the way that the blade loading, and hence the source of vorticity into the wake, can be represented. Two models for the local blade aerodynamics are compared. The first is a simple lifting-line model and the second is a somewhat more sophisticated lifting-chord model based on unsteady thin aerofoil theory. A marked improvement in accuracy of the predicted high-frequency airloads of the HART II rotor is obtained when the lifting-chord model for the blade aerodynamics is used instead of the lifting-line type approach. Errors in the amplitude and phase of the loading peaks are reduced and the quality of the prediction is affected to a lesser extent by the computational resolution of the wake. Indeed, the lifting-line model increasingly overpredicts the amplitude of the lift response to blade-vortex interactions as the computational grid is refined, exposing clearly the fundamental deficiencies in this commonly-used approach particularly when modelling the aerodynamic response of the blade to interactions with vortices that are much smaller than its chord. In comparison, the airloads that are predicted using the lifting-chord model are relatively insensitive to the resolution of the computation, and there are fundamental reasons to believe that properly converged numerical solutions may be attainable using this approach

Strategies, contributions and inhibitors of information systems to organizational competitiveness: An empirical analysis within the Caribbean

The study examines the impact of Information Systems (IS) through a consideration of improved competitiveness within a multi-business Caribbean firm. The methodology draws on a participant-observer approach for data collection and compares the application of IS by three business units within each of three organizations. It is argued that while there is already a substantial amount of research on IS effectiveness its value in the context of developing countries such as those of the Caribbean will be most significant. In this context firms are perceived to face more constraints than in developed countries so there is a need to explicitly recognize the effects of ‘inhibitors’. The study finds that for two of these businesses IS can be shown to have contributed to improved competitiveness, while the third had a less satisfactory experience. Analysis of the data revealed that in the two business units where IS contributed the units had been able to improve specific business processes in pursuit of identified competitive strategies. In the unit that did not derive such advantages, limitations in the functionality of the core application combined with insufficient adjustment of business processes, led to the unsatisfactory results. It is also observed that the explanatory value of the empirical analysis is enhanced if we identify inhibitors of IS for competitive advantage and make their effects more explicit

From physical marketing to web marketing

Reviews the criticism of the 4P marketing mix framework as the basis of traditional and virtual marketing planning. Argues that the customary marketing management approach, based on the popular marketing mix 4Ps paradigm, is inadequate in the case of virtual marketing. Identifies two main limitations of the marketing mix when applied in online environments namely the role of the Ps in a virtual commercial setting and the lack of any strategic elements in the model. Identifies the critical factors of the Web marketing and argues that the basis for successful e-commerce is the full integration of virtual activities into the company's physical strategy, marketing plan and organisational processes. The 4S elements of the Web marketing mix framework offer the basis for developing and commercialising business to consumer online projects. The model was originally developed for educational purposes and has been tested and refined by means of three case studies

Information technology and urban green analysis

It is well recognized that green area plays a pivotal role in improving urban environment, such as preserving water and soil, controlling temperature and humidity of air, preventing pollution, flood prevention, functioning as buffers between incompatible land uses, preserving natural habitat, and providing space for recreation and relaxation. However, due to pressures from new development both in urban fringes and urban centres, urban green and open spaces are seen to be rapidly declining in term of allocated spaces and quality. Without careful urban land use planning, many open spaces will be filled with residential and commercial buildings. Therefore, there is a need for proper planning control to ensure that the provisions of green spaces are adequately being conserved for current and future generations. The need for an urban green information system is particularly important for strategic planning at macro level and local planning at the micro level. The advent of information technology has created an opportunity for the development of new approaches in preserving and monitoring the development of urban green and open spaces. This paper will discuss the use of Geographical Information Systems (GIS) incorporated with other data sources such as remote sensing images and aerial photographs in providing innovative and alternative solutions in the management and monitoring of urban green. GIS is widely accepted in urban landscape planning as it can provide better understanding on the spatial pattern and changes of land use in an area. This paper will primarily focus on digital database that are developed to assist in monitoring urban green and open spaces at regional and local context. The application of GIS in the Klang Valley region or better known as AGISwlk developed since mid-1990's is currently being used by various organisations in the region. The focus of AGISwlk is not merely in providing relevant database to its stakeholders but more importantly, assist in making specific and relevant decisions with regard to spatial planning. It is also used to monitor the loss of green areas by using several temporal data sets. The method of classifying green and open spaces in the region is also being discussed. This paper demonstrates that GIS can be an effective tool in preserving and monitoring green and open spaces in an urban area. The contribution of urban green digital database in someway may leads toward landscape sustainability as to satisfy the ever changing society

The future of Earth observation in hydrology

In just the past 5 years, the field of Earth observation has progressed beyond the offerings of conventional space-agency-based platforms to include a plethora of sensing opportunities afforded by CubeSats, unmanned aerial vehicles (UAVs), and smartphone technologies that are being embraced by both for-profit companies and individual researchers. Over the previous decades, space agency efforts have brought forth well-known and immensely useful satellites such as the Landsat series and the Gravity Research and Climate Experiment (GRACE) system, with costs typically of the order of 1 billion dollars per satellite and with concept-to-launch timelines of the order of 2 decades (for new missions). More recently, the proliferation of smart-phones has helped to miniaturize sensors and energy requirements, facilitating advances in the use of CubeSats that can be launched by the dozens, while providing ultra-high (3-5 m) resolution sensing of the Earth on a daily basis. Start-up companies that did not exist a decade ago now operate more satellites in orbit than any space agency, and at costs that are a mere fraction of traditional satellite missions. With these advances come new space-borne measurements, such as real-time high-definition video for tracking air pollution, storm-cell development, flood propagation, precipitation monitoring, or even for constructing digital surfaces using structure-from-motion techniques. Closer to the surface, measurements from small unmanned drones and tethered balloons have mapped snow depths, floods, and estimated evaporation at sub-metre resolutions, pushing back on spatio-temporal constraints and delivering new process insights. At ground level, precipitation has been measured using signal attenuation between antennae mounted on cell phone towers, while the proliferation of mobile devices has enabled citizen scientists to catalogue photos of environmental conditions, estimate daily average temperatures from battery state, and sense other hydrologically important variables such as channel depths using commercially available wireless devices. Global internet access is being pursued via high-altitude balloons, solar planes, and hundreds of planned satellite launches, providing a means to exploit the "internet of things" as an entirely new measurement domain. Such global access will enable real-time collection of data from billions of smartphones or from remote research platforms. This future will produce petabytes of data that can only be accessed via cloud storage and will require new analytical approaches to interpret. The extent to which today's hydrologic models can usefully ingest such massive data volumes is unclear. Nor is it clear whether this deluge of data will be usefully exploited, either because the measurements are superfluous, inconsistent, not accurate enough, or simply because we lack the capacity to process and analyse them. What is apparent is that the tools and techniques afforded by this array of novel and game-changing sensing platforms present our community with a unique opportunity to develop new insights that advance fundamental aspects of the hydrological sciences. To accomplish this will require more than just an application of the technology: in some cases, it will demand a radical rethink on how we utilize and exploit these new observing systems

The 4s web-marketing mix model

This paper reviews the criticism on the 4Ps Marketing Mix framework, the most popular tool of traditional marketing management, and categorizes the main objections of using the model as the foundation of physical marketing. It argues that applying the traditional approach, based on the 4Ps paradigm, is also a poor choice in the case of virtual marketing and identifies two main limitations of the framework in online environments: the drastically diminished role of the Ps and the lack of any strategic elements in the model. Next to identifying the critical factors of the Web marketing, the paper argues that the basis for successful E-Commerce is the full integration of the virtual activities into the company’s physical strategy, marketing plan and organisational processes. The four S elements of the Web-Marketing Mix framework present a sound and functional conceptual basis for designing, developing and commercialising Business-to-Consumer online projects. The model was originally developed for educational purposes and has been tested and refined by means of field projects; two of them are presented as case studies in the paper.\ud \u