In times of pandemic - How generation XYZ looks digital banking

In a time of digital disruption, users are deciding how they want banks to respond and exceed their expectations. The banking industry since pandemic has shifted servicing dramatically from its traditional branches to become far more digitally flexible. Banks rushed to face-lift the front-end look and feel and enable non-essential digital services without asking users their needs. Thus, this bank attitude as greater impact on building a good digital banking customer experience that leads the users to fully adopt digital. To have a clear vision of how banks can stand out to a successful digital transformation we interview 634 digital bank users from the generation XYZ. To find out about the digital banking perceptions of Generation Z (born 1997-2012), Generation Y (born 1981-1996), and Generation X (born 1965-1980) we perform a qualitative analysis using Leximancer content analysis software to determine differences and characteristics of users’ attitudes toward digital banking. The findings highlighted nineteen concepts (transfers, bank, channels, products, digital, availability, anywhere, services, operations, use, account, savings, speed, costs, information, options, price, complex, and market) grouped in eight key themes perceived by users using digital banking channels, namely: transfers, availability, use, speed, information, price, complex and market. The three tags categories generation XYZ result of the presence of highly connected with concepts or independent variables showing prominence between X-generation and availability and services concept, Y-generation, and market, anywhere, bank and operation concepts, Z-generation, and transfers concepts. These results show that digital bank users are concerned about price, speed of transfers and product information, the anywhere availability of services and operations in the financial market, with some constraints about the complexity of options used to manage their accounts and savings. More the Y-generation (middle age) take more advantage of digital banking to explore bank/financial market and perform operations anywhere, the X-generation (older age) look digital banking mainly for the availability of services and Z-generation (younger age) simple for transfers. This study contributes to understanding the use and preference of digital banking, allowing us to propose a new conceptual model to explain the digital banking usage, helps to identify what is important for each XYZ generation to increase their adoption of digital banking and alerts to the use complex of multiple options that probably are not the focus to successfully used by this generations. Highlighting the users’ perceptions is important for the bank industry to develop digital banking features that align with users’ expectations and to increase the success of digital transformation by shifting servicing dramatically from a brick-and-mortar stalwart to become far more business digitally flexible.info:eu-repo/semantics/publishedVersio

Main gamification concepts: a systematic mapping study

Gamification involves incorporating elements of online games, such as points, leaderboards, and badges into nongame contexts, in order to improve engagement with both employees and consumers. The main point of this paper is, to sum up, what previous authors investigated in the field of Gamification. An analysis of the literature covering 50 papers from 2011 to 2016 was conducted, using Leximancer software, to determine and shape the main themes and concepts proposed in gamification papers. Answering our research question, “What guidelines may provide to future research, the key themes and concepts found in published scientific papers on gamification?”, we conclude that the researchers identified eight themes (gamification; game; use; users; business; points; engagement; learning) and twenty-eight related concepts. The present systematic review contributes to establishing possible guidelines for prospective studies, based on the analyzed papers, considering particularly their 'Conclusions' and on the 'Future research' sections, integrating game design contents in business, learning and education. Further, highlights the usefulness of Leximancer for qualitative content analysis, in this field of research.info:eu-repo/semantics/publishedVersio

Technology management has a significant impact on digital transformation in the banking sector

Technology management and a good relationship among employees are vital keys to assure any digital transformation process. We may therefore rightly ask “What are the main drivers influencing IT and non-IT employee relationships that may have an impact on digital transformation in the banking sector?“. Aiming to identify those drivers, we developed a questionnaire for an exploratory study into employees' perceptions of the IT or non-IT measures undertaken to improve any digital transformation project. We had a sample of 604 bank employees working in software development. Leximancer was used as a qualitative technique tool for content textual analyses. The findings highlighted seven key factors that have an impact on digital transformation, namely: department, lack of cooperation, communication, requests, experience, relationship, and business. Internal clients tend to have a negative perception of IT developers mainly due to a lack of understanding of business requests. This study contributes to scholarship with a conceptual model to explain the main concepts that may affect the relationship between IT and non-IT employees’ and departments teamwork in the digital transformation process, in the banking sector specifically. We also contribute by identifying the most important elements to achieve organizational success.info:eu-repo/semantics/publishedVersio

Árvores de decisão induzidas pelo weka para alerta da ferrugem do cafeeiro em lavouras com alta carga pendente.

O objetivo deste trabalho foi desenvolver árvores de decisão com o software livre Weka para alerta da ferrugem do cafeeiro em lavouras com alta carga pendente de frutos e comparar esses modelos com as árvores de decisão induzidas por um software proprietário. Dados de incidência mensal da doença no campo coletados durante oito anos foram transformados em valores binários considerando limites de 5 e 10 pontos percentuais (p.p.) na taxa de infecção. Foi gerado um modelo para cada taxa de infecção binária, a partir de dados meteorológicos e do espaçamento entre plantas. O alerta é indicado quando a taxa de infecção, prevista para o prazo de um mês, atingir ou ultrapassar o respectivo limite. As árvores de decisão induzidas pelo Weka tiveram desempenho semelhante às induzidas pelo software proprietário. Os modelos de alerta para o limite de 5 p.p. induzidos pelas duas ferramentas são praticamente iguais. O modelo considerando o limite de 10 p.p. induzido pelo Weka é mais simples e compacto que o induzido pelo software proprietário.SBIAgro 2009

Árvores de decisão aplicadas na análise e no alerta da ferrugem do cafeeiro.

A ferrugem do cafeeiro é a principal doença da cultura do café. O conhecimento dos fatores que condicionam as epidemias de ferrugem e a sua previsão são importantes. Uma instância do processo de descoberta de conhecimento em bases de dados foi realizada para avaliar a aplicação de árvores de decisão na análise e no alerta da ferrugem. As classes do atributo meta foram definidas por intervalos da taxa de progresso da doença. Dados meteorológicos, a carga pendente de frutos e o espaçamento entre plantas serviram de atributos preditivos. As árvores de decisão obtidas auxiliaram na compreensão de quais variáveis, e como as interações dessas variáveis, conduziram a ferrugem no campo. O modelo de alerta para lavouras com alta carga pendente de frutos apresentou bom desempenho e pode ajudar na tomada de decisão referente ao controle da ferrugem do cafeeiro.bitstream/item/17768/1/cnptiabp_22-1.pd

Tuned liquid dampers simulation for earthquake response control of buildings

This paper is focused on the study of an earthquake protection system, the Tuned Liquid Damper (TLD), which can, if adequately designed, reduce earthquake demands on buildings. This positive effect is accomplished taking into account the oscillation of the free surface of a fluid inside a tank (sloshing). The behaviour of an isolated Tuned Liquid Damper, subjected to a sinusoidal excitation at its base, with different displacement amplitudes, was studied by finite element analysis. The efficiency of the TLD in improving the seismic response of an existing building, representative of modern architecture buildings in southern European countries was also evaluated based on linear dynamic analyses

Assessing consumer literacy on financial complex products

Consumer financial education has become an important research topic, due to the growth of a wide range of investment products available in online banking. The individuals are exposed to highly complex financial products without understanding the risk and what product is suitable for them. This study investigates and measured the financial education of individuals in complex financial products. A quiz game was developed for a bank website to measure 1597 bank clients in complex products literacy. The survey also enabled a comparison between the basic and advanced skills of financial literacy knowledge. The results highlight a satisfactory overall financial literacy level. While basic knowledge level between individuals has a higher degree, there are serious concerns in advanced skill level. This study contributes to an understanding of adults’ knowledge about the prediction of the risk of investments in complex financial products, as well as providing value to ongoing financial literacy research.info:eu-repo/semantics/acceptedVersio

Molecular Evaluation of exons 8 and 22 of the SHANK3 gene in Autism Spectrum Disorders

Autism spectrum disorders are a group of neurodevelopmental disorders with a complex and heterogeneous etiology. Studies have shown that genetic factors play an important role in the aetiology of these diseases. Recently, de novo mutations, frameshifts and deletions have been described in the SHANK3 gene, also known as ProSAP2 gene, which encodes a synaptic scaffolding protein. All the participants of this study had normal karyotypes and underwent screening for Fragile-X syndrome. Subsequently, they were analyzed by direct sequencing of different points of exons 8 and 22 of the SHANK3 gene. None of the study participants presented with changes in these regions. These findings may be due to the fact that mutations, deletions and duplications of the SHANK3 gene are rare