Financial Services Innovation: Opportunities for Transformation Through Facial Recognition and Digital Wallet Patents

Bringing innovation to the marketplace for new products and services involves creativity, a culture in which change flourishes, and leadership that thrives on transformation and complexity. This study explored the potential for market disruption or change based on innovations involving patents granted to nonfinancial services organizations that could affect financial services, specifically consumer or retail bank products. It involved analyzing documents related to recently granted patents and completing a mixed methods survey integrating the Delphi research technique. This method required multiple iterations of a survey presented to expert panelists or industry thought leaders to attempt to gain consensus ( Consensus , 2011) or general agreement by the group (Tersine & Riggs, 1976). With this research method, the goal is to gain an understanding of initial individual perspectives. Through an iterative process, then determine if, as a group, they can move toward a common vision of what is likely to happen after viewing other\u27s perspectives. This research was specific to two innovations for which patents have been granted: facial recognition and digital wallets. Patents can provide insights into potential new developments planned by organizations. In some cases, patents can provide insights into innovation, potential threats, opportunities, or disruptions that could change the way a market operates. The goal of this research was to select two recent patents from many that have been granted, develop theoretical insights, and, through a mixed methods survey integrating the Delphi methodology, identify when or if these patents could have an impact on financial services. This research brought together thought leaders in an anonymous, collaborative approach to assess considerations and provide their perspective on these changes. This study served to help leaders drive innovation in financial services organizations and to understand how others perceive these innovations. The electronic version of this Dissertation is at OhioLink ETD Center, www.etd.ohiolink.ed

Financial Services Innovation: Opportunities for Transformation Through Facial Recognition and Digital Wallet Patents

Bringing innovation to the marketplace for new products and services involves creativity, a culture in which change flourishes, and leadership that thrives on transformation and complexity. This study explored the potential for market disruption or change based on innovations involving patents granted to nonfinancial services organizations that could affect financial services, specifically consumer or retail bank products. It involved analyzing documents related to recently granted patents and completing a mixed methods survey integrating the Delphi research technique. This method required multiple iterations of a survey presented to expert panelists or industry thought leaders to attempt to gain consensus ( Consensus , 2011) or general agreement by the group (Tersine & Riggs, 1976). With this research method, the goal is to gain an understanding of initial individual perspectives. Through an iterative process, then determine if, as a group, they can move toward a common vision of what is likely to happen after viewing other\u27s perspectives. This research was specific to two innovations for which patents have been granted: facial recognition and digital wallets. Patents can provide insights into potential new developments planned by organizations. In some cases, patents can provide insights into innovation, potential threats, opportunities, or disruptions that could change the way a market operates. The goal of this research was to select two recent patents from many that have been granted, develop theoretical insights, and, through a mixed methods survey integrating the Delphi methodology, identify when or if these patents could have an impact on financial services. This research brought together thought leaders in an anonymous, collaborative approach to assess considerations and provide their perspective on these changes. This study served to help leaders drive innovation in financial services organizations and to understand how others perceive these innovations. The electronic version of this Dissertation is at OhioLink ETD Center, www.etd.ohiolink.ed

Perancangan Promosi Amazed Photography Bali

Amazed Photography Bali adalah salah satu dari sekian banyak Perusahaan fotografi wedding di Bali. Amazed Photography memiliki beberapa keunggulan salah satunya dari segi servisnya yang sangat baik, bersifat kekeluargaan dengan melayani setiap klien seperti keluarga sendiri, sehingga klien merasa nyaman. Namun dengan semakin banyaknya Perusahaan yang bergerak dibidang ini, Amazed Photography Bali perlu melalukan promosi agar lebih dikenal oleh masyarakat karena selama ini Amazed belum pernah melakukan promosi. Oleh karena itu diharapkan perancangan promosi ini dapat membantu meningkatkan brand awareness Amazed Photography Bali

Does the use of Modern Family Planning Promote Healthy Timing and Spacing of Pregnancy in Dar es Salaam?

Timing, spacing and limiting of pregnancy are key outcomes of family planning (FP) whose role in promoting health of mothers and babies is evidence based. Despite the evidence, recent studies in Tanzania have reported a trend towards child birth in older age, non-adherence to standard inter-pregnancy spacing, and preference of large families in the background of a rising national contraceptive prevalence rate. We explored if the use of modern FP promotes healthy timing and spacing of pregnancy among women seeking antenatal services. Analytical Cross-sectional study. Women seeking antenatal services at Muhimbili National Hospital, Tanzania (August-October, 2012) were enrolled. We used a semi-structured questionnaire to obtained information from the women. Data were analyzed using SPSS version 19. Outcomes of interest were adherence to timing of first pregnancy and to inter-pregnancy spacing after normal childbirth. Use of modern FP prior to index pregnancy was the independent variable of primary interest. Bivariate and multivariate logistic regression analyses were conducted to obtain odds ratios (OR) and 95% confidence intervals (CI) as estimates risk and clinical importance respectively. Ethical approval was obtained from the Research and Publications Committee at Muhimbili University of Health and Allied Sciences. In total 427 women were interviewed. Ages ranged 15-45 years, mean 29.2 (SD ± 5.1). Among all, 129 (30.2%) were primigravida, 298 (69. 8%) multigravida. Of these 298 women, 51 (17.1%) lost pregnancies preceding the index. Overall, 179 (41.9%) had ever used modern FP, 103 (24.1%) were on modern FP just prior to index pregnancy.Non-adherence to timing was increased for primigravida (AOR = 4.5, 95% CI: 2.1-9.6) and for women older than 29 years (AOR = 7.6 95% CI: 3.8-15.2). Non-adherence to spacing was increased with loss of the immediate past pregnancy (AOR = 2.5; 95% CI: 1.3-4.7). Use of modern FP was neither associated with adherence to timing (AOR = 1.0; 95% CI: 0.5-1.9) nor spacing (AOR = 1.0; 95% CI: 0.6-1.8). Modern FP does not promote adherence to timing and spacing of pregnancy among women seeking antenatal services at MNH. Past obstetric experience was key to women's decisions on spacing. There is need to promote educational messages on timing and spacing of pregnancy for healthy outcomes

Uji Komposisi Penggunaan Media Tanam terhadap Pembibitan Tanaman Kopi (Coffea arabica)

Kopi merupakan salah satu komoditas perkebunan di Indonesia yang memiliki nilai ekonomis tinggi. Selain itu, kopi merupakan  salah satu sumber devisa negara dan juga sebagai sumber penghasilan bagi petani kopi, penciptaan lapangan kerja, pendorong agribisnis dan agroindustri serta pengembangan wilayah. Provinsi Sumatera Utara merupakan produsen terbesar kopi arabika di Indonesia dengan produksi kopi pada tahun 2016 mencapai 50.405 ton.  Kulit kopi kering yang dihasilkan dari tiap satu ton buah basah yaitu sebanyak 200 kg. Jumlah limbah kopi yang perlu ditangani sebesar 44,6% dari berat buah kering. Hal ini dapat mengakibatkan potensi pencemaran yang besar dari limbah padat jika tidak dimanfaatkan. Hasil penelitian menunjukkan bahwa kadar C-organik kulit buah kopi adalah 43,3%, kadar nitrogen 2,98%, fosfor 0,18% dan kalium 2,26%. Upaya yang dapat dilakukan untuk penanganan limbah kulit buah kopi ini dengan cara melakukan pengomposan. Kompos kulit buah kopi ini dapat dimanfaatkan salah satunya sebagai media tanam. Penelitian ini dilaksanakan pada bulan Januari sampai Mei 2019 di Desa Gurgur Aek Raja, Kecamatan Tampahan, Kabupaten Toba Samosir, Sumatera Utara. Hasil penelitian menunjukkan penggunaan kompos kulit kopi sebagai media tanam dengan perlakuan media tanam kompos kulit kopi 100% menunjukkan pertumbuhan bibit tanaman kopi yang terbaik dibandingkan dengan perlakuan media tanam tanah 100%. Hal ini dapat dilihat dari  parameter pertumbuhan tinggi tanaman, jumlah daun, diameter batang, luas permukaan daun, berat basah total tanaman dan berat kering total tanaman yang lebih tinggi. Pemanfaatan limbah kulit kopi sebagai media tanam salah satu cara mengurangi jumlah limbah dari kulit kopi