Learning the lessons from the developed world: e-banking security in Nigeria

In the past decade banks invested heavily in internet technology so as to engage in e-business and e-commerce activities. However, this development exposed banks to threats, such as online fraud. Consequently, there was a need to adopt security measures and controls to mitigate such threats. Banks in developed countries have developed a level of ‘best practice’ to reduce such online threats. The objective of this study was to explore the extent to which banks in the developing world were benefitting from the experiences of banks in the developed world in terms of how they address online security threats. Case studies of two Nigerian Banks were undertaken using interviews and short questionnaire. The findings show respondents perceived the level of threats to e-banking in Nigeria to be low. When adopting e-banking security controls, the case study banks placed more emphasis on the technical dimension than the human dimension. Senior management commitment is a significant barrier to adopting best practice, which is highlighted in limited financial resources being provided for new investment in training or customer education. The study concludes that senior managers need to change their perceptions and priorities towards IT security to reduce the vulnerability of their e-banking services

Occupational therapists' perceptions of predischarge home assessments with older adults in acute care

Predischarge occupational therapy home assessments are routinely performed with older adults in Europe, Australia and North America. Their primary aim is to facilitate a timely and safe discharge from hospital. However, there is a lack of published research on this topic, especially studies exploring occupational therapists' perceptions of home assessments. The paper aims to redress this by describing occupational therapists' perceptions of predischarge occupational therapy home assessments with older adults in acute care. All occupational therapists who undertook home assessments in an acute care hospital with older adults during the duration of the study period were invited to complete a reflective diary. In total, 15 reflective diaries were completed by six therapists. The data were analysed using thematic content analysis. The findings suggest that home assessments were carried out because of mobility or environmental concerns. Satisfaction and dissatisfaction with the outcome of the home assessment were related to the incidents that occurred during the assessment. Some of the occupational therapists' anxieties were related to the older adults' level of functioning or ill health, and the older adults' own concerns did have an impact upon the therapists' expectations of the home assessment process

Electricity Demand for Sri Lanka: A Time Series Analysis

This study estimates electricity demand functions for Sri Lanka using six econometric techniques. It shows that the preferred specifications differ somewhat and there is a wide range in the long-run price and income elasticities with the estimated long-run income elasticity ranging from 1.0 to 2.0 and the long run price elasticity from 0 to –0.06. There is also a wide range of estimates of the speed with which consumers would adjust to any disequilibrium, although the estimated impact income elasticities tended to be more in agreement ranging from 1.8 to 2.0. Furthermore, the estimated effect of the underlying energy demand trend varies between the different techniques; ranging from being positive to zero to predominantly negative. Despite these differences the forecasts generated from the six models up until 2025 do not differ significantly. Thus on one hand it is encouraging that the Sri Lanka electricity authorities can have some faith in econometrically estimated models used for forecasting. However, by the end of the forecast period in 2025 there is a variation of around 452MW in the base forecast peak demand; which, in relative terms for a small electricity generation system like Sri Lanka’s, represents a considerable difference.Developing Countries, Electricity Demand Estimation, Sri Lanka

Sri Lankan Electricity Supply Industry: A Critique of Proposed Reforms

In 2002 the Government of Sri Lanka proposed power sector policy guidelines for the first time in its history in order to facilitate the restructuring of the sector. This paper attempts to critically examine and appraise the Government’s proposals with suggestions for improvements. The methodology employed is to first examine the requirements of the Sri Lankan power sector by analysing the current problems that the power sector faces and to empirically estimate electricity demand to identify the future consumption and capacity expansion needs of the sector. Secondly, it is assessed to what extent the proposed reforms address the requirements of the sector identified above. Finally, alternative proposals are introduced in order to address the identified flaws in the current proposed reforms.Developing Countries, Electricity Supply Industry, Power Policy, Sri Lanka

Big whorls carry little whorls

The aim of the research was to explore the space-time structure of homogeneous turbulence by computing and then interpreting the two-point spectra and correlations of the velocity and pressure fields. Many of these statistics are of considerable practical importance. In particular, it is of interest to compare the different time and length integral scales and microscales for Eulerian and Lagrangian qualities, and to compare the space and time spectra

Eddies, streams, and convergence zones in turbulent flows

Recent studies of turbulent shear flows have shown that many of their important kinematical and dynamical properties can be more clearly understood by describing the flows in terms of individual events or streamline patterns. These events or flow regions are studied because they are associated with relatively large contributions to certain average properties of the flow, for example kinetic energy, Reynolds stress, or to particular processes in the flow, such as mixing and chemical reactions, which may be concentrated at locations where streamlines converge for fast chemical reactions (referred to as convergence or C regions), or in recirculating eddying regions for slow chemical reactions. The aim of this project was to use the numerical simulations to develop suitable criteria for defining these eddying or vortical zones. The C and streaming (S) zones were defined in order to define the whole flow field. It is concluded that homogeneous and sheared turbulent flow fields are made up of characteristic flow zones: eddy, C, and S zones. A set of objective criteria were found which describe regions in which the streamlines circulate, converge or diverge, and form high streams of high velocity flow

How accurately do adult sons and daughters report and perceive parental deaths from coronary disease?

<b>OBJECTIVES</b>: To describe how adult sons and daughters report and perceive parental deaths from heart disease <b>DESIGN</b>: Two generation family study. <b>SETTING</b>: West of Scotland. <b>SUBJECTS</b>: 1040 sons and 1298 daughters aged 30-59 from 1477 families, whose fathers and mothers were aged 45-64 in 1972-76 and have been followed up for mortality over 20 years. <b>OUTCOME</b> : Perception of a "family weakness" attributable to heart disease. RESULTS : 26% of sons and daughters had a parent who had died of coronary heart disease (CHD). The proportion was higher in older offspring (+18% per 10 year age difference) and in manual compared with non-manual groups (+37%). Eighty nine per cent of parental deaths from CHD were correctly reported by offspring. Only 23% of sons and 34% of daughters with at least one parent who had died of CHD considered that they had a family weakness attributable to heart disease. Perceptions of a family weakness were higher when one or both parents had died of CHD, when parental deaths occurred at a younger age, in daughters compared with sons and in offspring in non-manual compared with manual occupations. <b>CONCLUSIONS</b>: Only a minority of sons and daughters with experience of a parent having died from CHD perceive this in terms of a family weakness attributable to heart disease. Although men in manual occupations are most likely to develop CHD, they are least likely to interpret a parental death from CHD in terms of a family weakness. Health professionals giving advice to patients on their familial risks need to be aware of the difference between clinical definitions and lay perceptions of a family history of heart disease

Effects of horizontal vibration on hopper flows of granular materials

The current experiments investigate the discharge of glass spheres in a planar wedge-shaped hopper (45 degree sidewalls) that is vibrated hoizontally. When the hopper is discharged without vibration, the discharge occurs as a funnel flow, with the material exiting the central region of the hopper and stagnant material along the sides. With horizontal vibration, the discharge rate increases with the velocity of vibration as compared with the discharge rate without vibration. For a certain range of acceleration parameters (20-30 Hz and accelerations greater than about 1 g), the discharge of the material occurs in an inverted-funnel pattern, with the material along the sides exiting first, followed by the material in the core; the free surface shows a peak at the center of the hopper with the free surface particles avalanching from the center toward the sides. During the deceleration phase of a vibration cycle, particles all along the trailing or low-pressure wall separate from the surface and fall under gravity for a short period before reconnecting the hopper. For lower frequencies (5 and 10 Hz), the free surface remains horizontal and the material appears to discharge uniformly from the hopper

Investigation of real-gas and viscous effects on the aerodynamic characteristics of a 40 deg half-cone with suggested correlations for the shuttle orbiter

Parameters were evaluated that might be used to correlate shuttle orbiter aerodynamic data to be used in extrapolating from wind-tunnel to flight conditions. Preliminary calculations indicate that the lee-side forces will have an insignificant influence on the aerodynamic characteristics of the orbiter for moderate angle-of-attack entries; therefore, this work is focused on phenomena which have an overriding influence on windward forces, namely, real-gas (equilibrium and nonequilibrium) and viscous-interaction effects. Analytically determined flow fields previously obtained on 40 deg blunted cones were used as a data source to evaluate various correlation parameters. Inviscid effects were found to be the dominant contributor to the aerodynamic coefficients in the altitude range of 64 to 76.2 km. The most suitable correlation of the aerodynamic forces on these cones is based on local dynamic pressure and local Mach number

Effects of Horizontal Vibration on Hopper Flows of Granular Material

This study experimentally examines the flow of glass spheres in a wedge-shaped hopper that is vibrated hoizontally. When the hopper is discharged without vibration, discharge occurs as a funnel flow, with the material exiting the central region of the hopper and stagnant material along the sides. With vibration, the discharge of the material occurs in reverse, with the material along the sides exiting first, followed by the material in the central region. These patterns are observed with flow visualization and high-speed photography. The study also includes measurements of the discharge rate, which increases with the amplitude of the velocity of vibration