ROMANIAN ELECTRONIC SYSTEM OF INTERBANK PAYMENTS IN THE BACKGROUND OF CREATING THE SINGLE EURO PAYMENTS AREA

Along with financial markets growth, the amplitude of settlements through payment systems has continuously increased. At the same time, it is necessary to be correlated with the need of streamline of noncash payments and with clients’ demands to transfer sure, efficient and low-cost amounts of money. This action determined passing over to the electronic payment system functioning in real time. In this respect, we aim at drawing up a concise presentation of the electronic payment system in our country combined with assessments of this system aligned to the European Union’s from the point of view of functionalities as well as respecting European and international standards and practices in the field.interbank payments, electronic system, TARGET, Euro system, Single Market, real time payments, efficiency

On certain families of planar patterns and fractals

This survey article is dedicated to some families of fractals that were introduced and studied during the last decade, more precisely, families of Sierpi\'nski carpets: limit net sets, generalised Sierpi\'nski carpets and labyrinth fractals. We give a unifying approach of these fractals and several of their topological and geometrical properties, by using the framework of planar patterns.Comment: survey article, 10 pages, 7 figure

EvalEdit - Online Editor for E-learning Tests

As our society has gradually changed in the past few years with the new technology, the internet has become more and more present at our workplace and in our learning methods. The internet brought us an easier access to information offering a range of tools and capabilities to workers. Teaching and learning has changed since the technological explosion. The related aspects to their effectiveness are: time, place, delivery process and learning process. In this article we'll try to explain the associated concepts with e-learning, like the stakeholders involved, the technology and the provided products and services, and other related issues and trends.Internet, E-learning, Information Communications Technology, PHP, MySQL, Databases

The financial information's vulnerability

Mankind consume more and more information. These are different information for different decisions. There are different users, information consumers, but all of them have a common purpose, that of wellbeing and good. People want, wanted and shall want to live better, to do things better, to communicate better, even if they live in a network of information manipulation vectors. When the information manipulation is to the benefit of a minority, it harms the others.financial information, vulnerability, users

Reduction of spurious velocity in finite difference lattice Boltzmann models for liquid - vapor systems

The origin of the spurious interface velocity in finite difference lattice Boltzmann models for liquid - vapor systems is related to the first order upwind scheme used to compute the space derivatives in the evolution equations. A correction force term is introduced to eliminate the spurious velocity. The correction term helps to recover sharp interfaces and sets the phase diagram close to the one derived using the Maxwell construction.Comment: 22 pages, 10 figures (submitted to International Journal of Modern Physics C- Physics and Computers

The Reasssesment of the Service Quality System within the Romanian Hotel Industry – a Premise for Increasing the Competition of the Tourist Offer

The main priority both at microeconomic and macroeconomic level is to provide high quality tourist services; more and more countries, as well as tourist enterprises are setting their own standards for services and quality. In spite of the many advantages granted by the standards and the management quality system, these instruments of ensuring the quality of services in the hospitality industry are limited in terms of coverage and action area due to the fact that they do not allow national level quality insurance. The new system should include: the total amount of criteria, the methods of the assessment, the designation of the institutions to be involved in the implementation of the system, the improvement of the system, as well as designating the staff that will evaluate the results and create the correcting measures. The proposed system requests: completion of the extra criteria as per the methodological norms of stars classification based on quality elements on one side and the implementation by the Ministry of Tourism of the good practice standards, through a specialised office who will be in charge with the implementation of a compulsory self-evaluation system, the use of the information provided by the“ mystery client” both by the Ministry and the organization to double check if the necessary and extra criteria are respected, the quality of services and the staff behaviour, in view of increasing the hotel services’ quality and food industry in Romania.quality management, standards of quality, extra-criteria of classification, hospitality industry, good practice norms, national quality system