The Role of Electronic Banking in Shaping the Strategic Direction of Banks in the United Arab Emirates

The advent of digital innovation provides profound benefits and an excellent opportunity for various industries, including banking business.  A plethora of electronic banking services have been witnessed in developing countries worldwide.  The United Arab Emirates (UAE) is one of the most economically competitive in the region and the wider world.  The adoption of electronic banking in UAE has been established a long time and increased tremendously.  Scholars and business experts revealed that although the banking sector in UAE is noted as a financial and service sector leader, the whole system of financial services and intermediation is yet to be properly utilized as a real added value tool.  The main focus of this paper is to investigate how electronic banking is shaping the strategic direction of banks in UAE, based on qualitative interviews with the bank managers and secondary data.  Moreover, what are the provisions made to improve customer-company relationship using this technology?  The results suggest that banks have thorough and defined procedures to acknowledge internet services, and although customers are still hesitant in using newer banking services, the need for sophisticated electronic banking system has acquired a new urgency.  It was suggested that the specific factors such as convenience, security transactions, and computer self-efficacy could have a significant impact to maximize their profitability and improve customer-company relationship.  Also, study revealed that trust is central to an effective functioning electronic banking system.  Although electronic banking transactions have improved over a decades in UAE, more effort is required to alleviate influences associated with lack of trust of online transactions among electronic banking users. Keywords: electronic banking, United Arab Emirate

Environmental Impacts of the liquid waste from Assalaya Sugar Factory in Rabek Locality, White Nile State, Sudan

The study aimed to assess the environmental health impacts of the liquid waste from Assalaya Sugar Factory, the efficiency of the existing Assalaya effluent treatment plant, the dilution factors available in the White Nile to gather with wastewater environmental impacts. A descriptive cross-sectional focused on the Factory and its neighborhoods. Four hundred and thirty two out of 3931 households were statistically determined as the sample size, the individual samples were picked using multi-stage stratified method 432 households selected as sample size. Data were collected by using structured questionnaires, field observations, laboratory analysis and interviewing the concerned and affected persons. The effluent load discharged from the factory into the Al - jassir canal at the White Nile was analyzed for BOD, COD, pH, PO4, TDS, TSS, Turbidity, Color, and flow rate.The Data were processed by using the Statistical Package for Social Science (SPSS) version 16, Chi-square test, test associations and office excel 2007. The study showed that Eighty one percent of the households used the surplus irrigation canal as a source for water supply. 64% of the respondents suffered from diarrhea, vomiting and allergic diseases, the rather low rate of water consumption and the bad quality of water consumed were reflected adversely on hygiene and consequently increased water related diseases. The study concludes that always or sometime 49.5% of the water collectors were children and used animals and plastic containers for water collection and transportation. The conducted laboratory water analysis revealed that the average concentrations of PO4, COD and BOD of the raw wastewater produced by Assalaya Sugar Factory were 4260, 3800 and 1500 mg/l, respectively, these values were above the WHO recommended concentrations for the disposed treated effluent (2, 250 and 30 mg/L respectively). As to physical analysis; the turbidity on the average was higher (540 NTU) and the color was (854 TCU) also high

Locality in Theory Space

Locality is a guiding principle for constructing realistic quantum field theories. Compactified theories offer an interesting context in which to think about locality, since interactions can be nonlocal in the compact directions while still being local in the extended ones. In this paper, we study locality in "theory space", four-dimensional Lagrangians which are dimensional deconstructions of five-dimensional Yang-Mills. In explicit ultraviolet (UV) completions, one can understand the origin of theory space locality by the irrelevance of nonlocal operators. From an infrared (IR) point of view, though, theory space locality does not appear to be a special property, since the lowest-lying Kaluza-Klein (KK) modes are simply described by a gauged nonlinear sigma model, and locality imposes seemingly arbitrary constraints on the KK spectrum and interactions. We argue that these constraints are nevertheless important from an IR perspective, since they affect the four-dimensional cutoff of the theory where high energy scattering hits strong coupling. Intriguingly, we find that maximizing this cutoff scale implies five-dimensional locality. In this way, theory space locality is correlated with weak coupling in the IR, independent of UV considerations. We briefly comment on other scenarios where maximizing the cutoff scale yields interesting physics, including theory space descriptions of QCD and deconstructions of anti-de Sitter space.Comment: 40 pages, 11 figures; v2: references and clarifications added; v3: version accepted by JHE

Dark matter and sub-GeV hidden U(1) in GMSB models

Motivated by the recent PAMELA and ATIC data, one is led to a scenario with heavy vector-like dark matter in association with a hidden $U(1)_X$ sector below GeV scale. Realizing this idea in the context of gauge mediated supersymmetry breaking (GMSB), a heavy scalar component charged under $U(1)_X$ is found to be a good dark matter candidate which can be searched for direct scattering mediated by the Higgs boson and/or by the hidden gauge boson. The latter turns out to put a stringent bound on the kinetic mixing parameter between $U(1)_X$ and $U(1)_Y$: $\theta \lesssim 10^{-6}$. For the typical range of model parameters, we find that the decay rates of the ordinary lightest neutralino into hidden gauge boson/gaugino and photon/gravitino are comparable, and the former decay mode leaves displaced vertices of lepton pairs and missing energy with distinctive length scale larger than 20 cm for invariant lepton pair mass below 0.5 GeV. An unsatisfactory aspect of our model is that the Sommerfeld effect cannot raise the galactic dark matter annihilation by more than 60 times for the dark matter mass below TeV.Comment: 1+15 pages, 4 figures, version published in JCAP, references added, minor change

A natural little hierarchy for RS from accidental SUSY

We use supersymmetry to address the little hierarchy problem in Randall-Sundrum models by naturally generating a hierarchy between the IR scale and the electroweak scale. Supersymmetry is broken on the UV brane which triggers the stabilization of the warped extra dimension at an IR scale of order 10 TeV. The Higgs and top quark live near the IR brane whereas light fermion generations are localized towards the UV brane. Supersymmetry breaking causes the first two sparticle generations to decouple, thereby avoiding the supersymmetric flavour and CP problems, while an accidental R-symmetry protects the gaugino mass. The resulting low-energy sparticle spectrum consists of stops, gauginos and Higgsinos which are sufficient to stabilize the little hierarchy between the IR scale and the electroweak scale. Finally, the supersymmetric little hierarchy problem is ameliorated by introducing a singlet Higgs field on the IR brane.Comment: 37 pages, 3 figures; v2: minor corrections, version published in JHE

Oxidised cosmic acceleration

We give detailed proofs of several new no-go theorems for constructing flat four-dimensional accelerating universes from warped dimensional reduction. These new theorems improve upon previous ones by weakening the energy conditions, by including time-dependent compactifications, and by treating accelerated expansion that is not precisely de Sitter. We show that de Sitter expansion violates the higher-dimensional null energy condition (NEC) if the compactification manifold M is one-dimensional, if its intrinsic Ricci scalar R vanishes everywhere, or if R and the warp function satisfy a simple limit condition. If expansion is not de Sitter, we establish threshold equation-of-state parameters w below which accelerated expansion must be transient. Below the threshold w there are bounds on the number of e-foldings of expansion. If M is one-dimensional or R everywhere vanishing, exceeding the bound implies the NEC is violated. If R does not vanish everywhere on M, exceeding the bound implies the strong energy condition (SEC) is violated. Observationally, the w thresholds indicate that experiments with finite resolution in w can cleanly discriminate between different models which satisfy or violate the relevant energy conditions.Comment: v2: corrections, references adde

Light dark matter and Z′Z' dark force at colliders

Light Dark Matter, $<10$ GeV, with sizable direct detection rate is an interesting and less explored scenario. Collider searches can be very powerful, such as through the channel in which a pair of dark matter particle are produced in association with a jet. It is a generic possibility that the mediator of the interaction between DM and the nucleus will also be accessible at the Tevatron and the LHC. Therefore, collider search of the mediator can provide a more comprehensive probe of the dark matter and its interactions. In this article, to demonstrate the complementarity of these two approaches, we focus on the possibility of the mediator being a new $U(1)'$ gauge boson, which is probably the simplest model which allows a large direct detection cross section for a light dark matter candidate. We combine searches in the monojet+MET channel and dijet resonance search for the mediator. We find that for the mass of $Z'$ between 250 GeV and 4 TeV, resonance searches at the colliders provide stronger constraints on this model than the monojet+MET searches.Comment: 23 pages and 14 figure

Introduction to Quantum-Gravity Phenomenology

After a brief review of the first phase of development of Quantum-Gravity Phenomenology, I argue that this research line is now ready to enter a more advanced phase: while at first it was legitimate to resort to heuristic order-of-magnitude estimates, which were sufficient to establish that sensitivity to Planck-scale effects can be achieved, we should now rely on detailed analyses of some reference test theories. I illustrate this point in the specific example of studies of Planck-scale modifications of the energy/momentum dispersion relation, for which I consider two test theories. Both the photon-stability analyses and the Crab-nebula synchrotron-radiation analyses, which had raised high hopes of ``beyond-Plankian'' experimental bounds, turn out to be rather ineffective in constraining the two test theories. Examples of analyses which can provide constraints of rather wide applicability are the so-called ``time-of-flight analyses'', in the context of observations of gamma-ray bursts, and the analyses of the cosmic-ray spectrum near the GZK scale.Comment: 46 pages, LaTex. Based on lectures given at the 40th Karpacz Winter School in Theoretical Physic

Composite GUTs: models and expectations at the LHC

We investigate grand unified theories (GUTs) in scenarios where electroweak (EW) symmetry breaking is triggered by a light composite Higgs, arising as a Nambu-Goldstone boson from a strongly interacting sector. The evolution of the standard model (SM) gauge couplings can be predicted at leading order, if the global symmetry of the composite sector is a simple group G that contains the SM gauge group. It was noticed that, if the right-handed top quark is also composite, precision gauge unification can be achieved. We build minimal consistent models for a composite sector with these properties, thus demonstrating how composite GUTs may represent an alternative to supersymmetric GUTs. Taking into account the new contributions to the EW precision parameters, we compute the Higgs effective potential and prove that it realizes consistently EW symmetry breaking with little fine-tuning. The G group structure and the requirement of proton stability determine the nature of the light composite states accompanying the Higgs and the top quark: a coloured triplet scalar and several vector-like fermions with exotic quantum numbers. We analyse the signatures of these composite partners at hadron colliders: distinctive final states contain multiple top and bottom quarks, either alone or accompanied by a heavy stable charged particle, or by missing transverse energy.Comment: 55 pages, 13 figures, final version to be published in JHE