The digital transformation of the banking industry: case of Caixa Geral de Depósitos

This project emerges from the evidence of failures in terms of the Digital Marketing strategy at Caixa Geral de Depósitos, and its ambition to achieve the leadership position in digitalization of banking services, while transforming it with a focus on digital inclusion, to boost sales and guarantee competitiveness in the open banking era. CGD has been evolving its digital offer, but it presents several areas with a lot of potential for evolution. This project aims to provide information and highlight the relevance of this topic, as well as defining an efficient digital marketing strategy and establish the most suitable methods for the company to improve its online presence. It was found that it will not be easy to expand Digital Marketing at CGD, has there are many barriers such as compliance and data protection regulations in the banking industry. The strong hierarchical structure, dispute of resources and priorities, need of alignment between several departments, archaic softwares, analytics limitations and lack of knowledge and autonomy, will definitely slow down all the processes. Despite of this process not being easy, there are many quick wins that can be implemented that will improve the company’s Digital Marketing drastically. Increasing traffic and engagement on the various touchpoints, both for potential customers and current customers, either through our own channels or paid channels; Optimizing the digital conversion ratio in the various acquisition journeys, through the optimization and customization of the conversion funnel; and maximizing the customer experience, end-to-end, from the landing page to the purchase decision.Este projeto surge na sequência da evidência de falhas ao nível da estratégia de Marketing Digital na Caixa Geral de Depósitos, e da sua ambição de alcançar a posição de liderança na digitalização de serviços bancários, focando na inclusão digital, para impulsionar vendas e garantir competitividade na era do open banking. A CGD tem vindo a evoluir a sua oferta digital, mas apresenta várias áreas com muito potencial de evolução. Este projeto pretende fornecer informação e realçar a relevância deste tema, bem como definir uma estratégia de Marketing Digital eficiente para determinar os métodos mais adequados para a empresa melhorar a sua presença online. Verificou-se que não será fácil expandir o Marketing Digital na CGD, visto que existem muitos entraves, como o compliance e as normas de proteção de dados no setor bancário. A forte estrutura hierárquica, disputa de recursos e prioridades, necessidade de alinhamento entre diversos departamentos, softwares arcaicos, limitações de analítica e falta de conhecimento e autonomia, certamente irão desacelerar todos os processos. Apesar deste processo não ser fácil, há muitos quick wins que irão melhorar drasticamente o Marketing Digital da empresa. Aumentar o tráfego e engagement nos vários pontos de contato - tanto para clientes potenciais como para clientes atuais, seja por meio de canais próprios como canais pagos; Otimizando a taxa de conversão digital - nas várias jornadas de aquisição, através da otimização e customização do funil de conversão; e maximizar a experiência do cliente, de ponta a ponta, desde a página de destino até a decisão de compra

Teamwork Competence Professor s Self-Assessment, a Study Case in the Universidad Politecnica de Madrid

Teamwork Competence Professors Self-Assessment, a Study Case in the Universidad Politecnica de Madri

Soft Skills: A Comparative Analysis Between Online and Classroom Teaching

Currently the Spanish universities are making a great effort to effectively incorporate the development and assessment of generic skills in their training programs. Information and communications technologies (ICT) offer a wide range of possibilities but create uncertainty among teachers about the process and results. It is considered of interest to conduct a study to analyze the extent to which social skills like commitment, communication and teamwork are acquired by students and teachers. It seeks to ascertain the influence of the learning context, online or classroom training, in the development of these personal skills among the participants in the sample. For this study two universities have been chosen, Universidad a Distancia de Madrid (UDIMA) offering online training environment, and Universidad Politécnica de Madrid (UPM) with classroom training modality. A total of 257 individuals, 230 students and 27 teachers have answered the survey called Evalsoft. This instrument was designed in the project with the same name by a research team from Universidad Complutense of Madrid (UCM). Some interesting conclusions can be highlighted: it is in the online context where there are higher levels of commitment and teamwork than in the classroom modality; teachers have higher social skills that students and these improve with age. Sex and the training program appear to influence these social skills

Seasonal dynamic factor analysis and bootstrap inference : application to electricity market forecasting

Year-ahead forecasting of electricity prices is an important issue in the current context of electricity markets. Nevertheless, only one-day-ahead forecasting is commonly tackled up in previous published works. Moreover, methodology developed for the short-term does not work properly for long-term forecasting. In this paper we provide a seasonal extension of the Non-Stationary Dynamic Factor Analysis, to deal with the interesting problem (both from the economic and engineering point of view) of long term forecasting of electricity prices. Seasonal Dynamic Factor Analysis (SeaDFA) allows to deal with dimensionality reduction in vectors of time series, in such a way that extracts common and specific components. Furthermore, common factors are able to capture not only regular dynamics (stationary or not) but also seasonal one, by means of common factors following a multiplicative seasonal VARIMA(p,d,q)×(P,D,Q)s model. Besides, a bootstrap procedure is proposed to be able to make inference on all the parameters involved in the model. A bootstrap scheme developed for forecasting includes uncertainty due to parameter estimation, allowing to enhance the coverage of forecast confidence intervals. Concerning the innovative and challenging application provided, bootstrap procedure developed allows to calculate not only point forecasts but also forecasting intervals for electricity prices.Dynamic factor analysis, Bootstrap, Forecasting, Confidence intervals

Assessing Creativity In Engineering Students: A Comparative Between Degrees and Sudents In First And Last Year

An online open access test (CREAX self-assessment) has been used in this work so that students from degrees in engineering in the Universidad Polite¿cnica of Madrid (UPM) could self-assess their creative competence after several classroom activities. Different groups from the first year course have been statistically compared using data from their assessment. These first year students had different professors in the subject ?Technical Drawing? and belonged to several degrees in the UPM. They were as well compared regarding sex and a group of first year students was also compared to another last year group of the degree so as to observe possible differences in the achievement of this competence. Only one difference was detected concerning sex in one of the degrees. Among degrees, the higher marks obtained by students who had done specific exercises for the development of creativity in class is highlighted. Finally, a significantly high mark was observed in students during their last year of degree with respect to first year students. The tool CREAX has become very useful in the assessment of this competence in the UPM degrees in which it has been implemented

IDENTIFICACIÓN DEL FENOTIPO y GENOTIPO CAPSULAR 5 y 8 DE Staphylococcus aureus Y SU CAPACIDAD DE SOBREVIVENCIA INTRACELULAR EN NEUTRÓFILOS DE VACAS LECHERAS.

El Staphylococcus aureus es un patógeno causante de mastitis bovina, enfermedad infecciosa que afecta la producción de leche y su inocuidad de la misma al alterar los componentes físico-químicos y bacteriológicos, comprometiendo el bienestar animal. Debido a sus factores de virulencia que favorecen el desarrollo de la infección en la glándula mamaria y la severidad de la mastitis. El polisacárido capsular serotipos 5 y 8, contribuye a la persistencia de la infección glandular. Para determinar la presencia de los serotipos capsulares 5 y 8, la sobrevivencia intracelular in vitro en neutrófilos obtenidos de vacas lecheras. Se obtuvieron de una unidad de producción lechera, 116 muestras de leche de 29 vacas en línea de ordeño. El aislamiento e identificación de S. aureus, mediante un procedimiento de rutina bacteriológica. La expresión de cápsula se obtuvo en agar Columbia adicionado con NaCl al 2.0% p/v; la cápsula se identificó mediante tinción de Hiss. El tipo capsular se determinó en tubos de agar blando suplementado con suero de leche al 10% v/v. La identificación fenotípica de los serotipos capsulares 5 y 8 se llevo a cabo mediante la prueba de seroaglutinación en placa, con un antisuero policlonal de conejo. La expresión de los genes Cap5 y Cap8 en los aislamientos de S.aureus se confirmó mediante los productos de amplificación del PCR. La obtención de neutrófilos se realizó mediante la técnica de lisis hipotónica de eritrocitos. Se efectuó el ensayo de fagocitosis in vitro y sobrevivencia intracelular sobre placas de agar TSA y bajo el microscopio de epifluorescencia. Se obtuvo el 28.44% (33/116) de positividad a S. aureus. El 88.0% de las cepas aisladas expresaron cápsula el resto fue negativo, se corroboró por tinción de Hiss. El 88.0% expresaron el tipo capsular difuso y solo 12.0% el tipo compacto. En la prueba de seroaglutinación, el 6.0% correspondieron al serotipo capsular 5, 6.0% al serotipo capsular 8 y el 75.75% fueron tipificables a los serotipos 5/8 mostrando reacción cruzada (Serotipo capsular 336), 12.12 fueron NT, por el método (p>0.05). Los serotipos capsulares 5 y 8 se corroboraron por la técnica de PCR, para los serotipos donde los NT mostraron características para el serotipo 5 y 8 aumentando a 88% correspondió a un nuevo serotipo capsular 336. Se obtuvo una viabilidad de PMNs 2.7x106 , esta cantidad de ajustó a una concentración de 1.4x106 para el ensayo de fagocitosis y sobrevivencia intracelular en placa la frecuencia de distribución en la sobrevivencia fue amplia de 8.6 a 30.6, Los serotipos NT connsiderados 5 y 8 (336 ) tuvieron la mayor frecuencia y la menor frecuencia observó en el serotipo capsular 8. El total de bacterias fagocitadas por los serotipos capsulares 5, 8, 5 y 8; correspondieron a 1007, 664 y 762 respectivamente. El índice total de fagocitosis para los serotipos capsulares fue el siguiente: 41.38%, (5), 26.42% (8) y 31.31 (5 y 8).]. La identificación de los serotipos capsulares 5 y 8 de S. aureus y los resultados de sobrevivencia intracelular indican que tienen importancia clínica en la persistencia de infección de la glándula mamaria en las vacas además de constituir un riesgo importante a la salud pública

Incorporating Uncertainty and Cero Values into the Valuation of Protected Areas and Species

Under the Spanish conservation law, compensation is envisaged for the damage associated with all actions that reduce the quantity or quality of protected areas and species. This paper provides a tool to evaluate the monetary equivalent of this damage. We conduct a contingent valuation exercise to estimate the existence value related to protected areas and species in Aragon. This estimate is then reconsidered including the possibility of zero bids and also the possibility of uncertain preferences for non-familiar goods. Considering these two effects, mean values are reduced significantly giving support to previous recommendations of dividing by two contingent valuation estimates from dichotomous choice question formats.natural heritage, contingent valuation, Spike model, uncertainty, Land Economics/Use, B23, C24, C42, C52, D62, Q26,

To Emilio Jardón Dato

EditorialQuerido Emilio, Comienzo a escribir estas letras y me cuesta creer que ya no estás, a pesar de que hacía algo más de dos años que no nos veíamos. Sin embargo, como nunca dejamos de escribirnos mensajes y estar más o menos al tanto de nuestras vidas, supe que tu salud había empeorado desde nuestro último encuentro, nada más volver yo a España después de unos años trabajando en el extranjero. Lo que no podía imaginar era que el resultado de tu enfermedad iba a ser tan nefasto en tan breve espacio de tiempo.N

La contribución de la mujer en la economía rural de Castilla y León

La participación de la mujer en el tejido socioeconómico de las zonas rurales se ha visto frecuentemente infravalorada. Sin embargo, desde hace pocos años existe una clara conciencia por parte de los poderes públicos de que la inclusión de la mujer en las estrategias de dinamización socioeconómica del mundo rural es fundamental para fijar población y generar renta y empleo. El objetivo de este trabajo se centra en determinar la contribución económica de la mujer en el desarrollo del medio rural de la Comunidad Autónoma de Castilla y León. Para ello, se ha analizado la relación existente entre el grado de desarrollo de los municipios rurales y las características socioeconómicas de las mujeres que los habitan. Para alcanzar tal fin, se han empleado tres tipos de técnicas multivariantes: el análisis de componentes principales, la regresión múltiple y el análisis de conglomerados. Los resultados alcanzados permiten afirmar que la participación económica y social de la mujer en el medio rural de Castilla y León se configura como una condición indispensable para alcanzar un mayor bienestar y nivel de desarrollo en esas zonas.Género, desarrollo rural, métodos cuantitativos, Castilla y León (España)., Agricultural and Food Policy, J16, O18, R23,

NILM techniques for intelligent home energy management and ambient assisted living: a review

The ongoing deployment of smart meters and different commercial devices has made electricity disaggregation feasible in buildings and households, based on a single measure of the current and, sometimes, of the voltage. Energy disaggregation is intended to separate the total power consumption into specific appliance loads, which can be achieved by applying Non-Intrusive Load Monitoring (NILM) techniques with a minimum invasion of privacy. NILM techniques are becoming more and more widespread in recent years, as a consequence of the interest companies and consumers have in efficient energy consumption and management. This work presents a detailed review of NILM methods, focusing particularly on recent proposals and their applications, particularly in the areas of Home Energy Management Systems (HEMS) and Ambient Assisted Living (AAL), where the ability to determine the on/off status of certain devices can provide key information for making further decisions. As well as complementing previous reviews on the NILM field and providing a discussion of the applications of NILM in HEMS and AAL, this paper provides guidelines for future research in these topics.Agência financiadora: Programa Operacional Portugal 2020 and Programa Operacional Regional do Algarve 01/SAICT/2018/39578 Fundação para a Ciência e Tecnologia through IDMEC, under LAETA: SFRH/BSAB/142998/2018 SFRH/BSAB/142997/2018 UID/EMS/50022/2019 Junta de Comunidades de Castilla-La-Mancha, Spain: SBPLY/17/180501/000392 Spanish Ministry of Economy, Industry and Competitiveness (SOC-PLC project): TEC2015-64835-C3-2-R MINECO/FEDERinfo:eu-repo/semantics/publishedVersio