Learning the lessons from the developed world: e-banking security in Nigeria

In the past decade banks invested heavily in internet technology so as to engage in e-business and e-commerce activities. However, this development exposed banks to threats, such as online fraud. Consequently, there was a need to adopt security measures and controls to mitigate such threats. Banks in developed countries have developed a level of ‘best practice’ to reduce such online threats. The objective of this study was to explore the extent to which banks in the developing world were benefitting from the experiences of banks in the developed world in terms of how they address online security threats. Case studies of two Nigerian Banks were undertaken using interviews and short questionnaire. The findings show respondents perceived the level of threats to e-banking in Nigeria to be low. When adopting e-banking security controls, the case study banks placed more emphasis on the technical dimension than the human dimension. Senior management commitment is a significant barrier to adopting best practice, which is highlighted in limited financial resources being provided for new investment in training or customer education. The study concludes that senior managers need to change their perceptions and priorities towards IT security to reduce the vulnerability of their e-banking services

Granular Flow in a Vertically Vibrating Hopper

The behavior of the flow of glass spheres in a vertically vibrating hopper is examined. A two-dimensional hopper is mounted on a shaker that provides sinusoidal, vertical vibrations. Both the frequency and amplitude of the vibrations are adjustable. Hopper discharge rates and flow patterns are measured as the acceleration amplitude of the vibrations is increased from 0 to 4g's. Comparisons are made with unvibrated hopper flows and with a two-dimensional discrete element simulation model

A meta-analysis of predictors of bullying and victimisation in adolescence

Bullying is common and harms all involved, yet there is no clarity regarding factors that influence bullying and victimisation for adolescent samples. This meta-analysis aims to synthesise the literature and identify reliable risk and protective factors to adolescent bullying and victimisation. A systematic search of the literature using databases; PsycINFO and Scopus, was undertaken to identify relevant publications from 1985 until July 2014. Inclusion criteria included longitudinal data, an adolescent sample and a focus on pre- dictive factors of bullying or victimisation. From 4698 articles identified, 18 were included. Four predictors of victimisation (prior victimisation, conduct problems, social problems and internalising problems) and four predictors of bullying (conduct problems, social problems, school problems and age) were identified. The literature provides little con- sistency in predictors assessed and replication is needed for clarification, however, social problems and conduct problems are consistent risk factors and a potential focus for future interventions

Revisiting the 1954 Suspension Experiments of R. A.Bagnold

In 1954 R. A. Bagnold published his seminal findings on the rheological properties of a liquid-solid suspension. Although this work has been cited extensively over the last fifty years, there has not been a critical review of the experiments. The purpose of this study is to examine the work and to suggest an alternative reason for the experimental findings. The concentric cylinder rheometer was designed to measure simultaneously the shear and normal forces for a wide range of solid concentrations, fluid viscosities and shear rates. As presented by Bagnold, the analysis and experiments demonstrated that the shear and normal forces depended linearly on the shear rate in the 'macroviscous' regime; as the grain-to-grain interactions increased in the 'grain-inertia' regime, the stresses depended on the square of the shear rate and were independent of the fluid viscosity. These results, however, appear to be dictated by the design of the experimental facility. In Bagnold's experiments, the height (h) of the rheometer was relatively short compared to the spacing (t) between the rotating outer and stationary inner cylinder (h/t=4.6). Since the top and bottom end plates rotated with the outer cylinder, the flow contained two axisymmetric counter-rotating cells in which flow moved outward along the end plates and inward through the central region of the annulus. At higher Reynolds numbers, these cells contributed significantly to the measured torque, as demonstrated by comparing Bagnold's pure-fluid measurements with studies on laminar-to-turbulent transitions that pre-date the 1954 study. By accounting for the torque along the end walls, Bagnold's shear stress measurements can be estimated by modelling the liquid-solid mixture as a Newtonian fluid with a corrected viscosity that depends on the solids concentration. An analysis of the normal stress measurements was problematic because the gross measurements were not reported and could not be obtained

Developing physical capability standards that are predictive of success on special forces selection courses

Free to read This study aimed to develop minimum standards for physical capability assessments (vertical jump, sit and reach, push-ups, seven-stage sit-ups, heaves, agility, 20-m shuttle run, loaded 5-km pack march, and 400-m swim) that candidates must pass before they can commence Australian Army Special Forces (SF) selection courses. Soldiers (Part A: n = 104; Part B: n = 92) completed the physical capability assessments before commencing a SF selection course. At the beginning of these selection courses, participants attempted two barrier assessments (3.2-km battle run and 20-km march). Statistical analysis revealed several physical capability assessments were associated with performance on the barrier assessments and selection course outcome (Part A); however, these statistical models were unable to correctly classify all candidates as likely to pass or fail the selection course. Alternatively, manual analysis identified a combination of physical capability standards that correctly classified 14% to 18% of candidates likely to fail, without excluding any candidates able to pass (Part A). The standards were applied and refined through Part B and included completing the 5-km pack march in ≤45:45 minutes : seconds, achieving ≥level five on the sit-up test, or completing ≥66 push-ups. Implementation of these standards may reduce attrition rates and enhance the efficiency of the SF recruitment process

Creating an integrated payment system: the evolution of Fedwire

Adapted from remarks given before the Seminar on Payment Systems in the European Union in Frankfurt, Germany, on February 27, 1997.Fedwire ; Electronic funds transfers ; Federal Reserve System

How accurately do adult sons and daughters report and perceive parental deaths from coronary disease?

<b>OBJECTIVES</b>: To describe how adult sons and daughters report and perceive parental deaths from heart disease <b>DESIGN</b>: Two generation family study. <b>SETTING</b>: West of Scotland. <b>SUBJECTS</b>: 1040 sons and 1298 daughters aged 30-59 from 1477 families, whose fathers and mothers were aged 45-64 in 1972-76 and have been followed up for mortality over 20 years. <b>OUTCOME</b> : Perception of a "family weakness" attributable to heart disease. RESULTS : 26% of sons and daughters had a parent who had died of coronary heart disease (CHD). The proportion was higher in older offspring (+18% per 10 year age difference) and in manual compared with non-manual groups (+37%). Eighty nine per cent of parental deaths from CHD were correctly reported by offspring. Only 23% of sons and 34% of daughters with at least one parent who had died of CHD considered that they had a family weakness attributable to heart disease. Perceptions of a family weakness were higher when one or both parents had died of CHD, when parental deaths occurred at a younger age, in daughters compared with sons and in offspring in non-manual compared with manual occupations. <b>CONCLUSIONS</b>: Only a minority of sons and daughters with experience of a parent having died from CHD perceive this in terms of a family weakness attributable to heart disease. Although men in manual occupations are most likely to develop CHD, they are least likely to interpret a parental death from CHD in terms of a family weakness. Health professionals giving advice to patients on their familial risks need to be aware of the difference between clinical definitions and lay perceptions of a family history of heart disease

Accommodating Complex Substitution Patterns in a Random Utility Model of Recreational Fishing

We employed a cross-nested logit (CNL) model that permits a rich pattern of substitution among alternatives within a closed form choice model. The specification we employed is ideal for applications with many choice alternatives, such as the 431 fishing sites in this application. The CNL model provided a significant improvement over multinomial and nested logit model specifications at explaining observed recreational fishing site choices by residents of northern Ontario, Canada. Results from two scenarios illustrated the implications of using the CNL model on spatial substitution patterns and welfare measures associated with attribute change scenarios. The CNL model forecasts demonstrated that the relative change in fishing site use was lower at the most affected sites and higher at sites near the affected sites than was predicted by the multinomial logit model. No consistent pattern was found in mean or variance of welfare estimates associated with hypothetical attribute changes.Compensating variation, cross-nested logit, fishing site choice, random utility model, spatial substitution, Demand and Price Analysis, Institutional and Behavioral Economics, Q26,