Virtual teller link.

The proposed Virtual Teller Link aims to entice consumers to make purchases on the Internet. It is expected that Virtual Teller Link would overcome some of the problems of security and privacy that is holding back the consumers.Master of Science (Information Studies

Female manufacturer-entrepreneurs : the mythical, the true & the new

In recent years, there has been a resurgence of entrepreneurial spirit in Singapore. This is evident on many fronts --- government agencies and programmes for the promotion of entrepreneurship, new magazines and journals that feature the issue of entrepreneurship and the number of international conferences with entrepreneurship as the theme. This resurgent interest in entrepreneurship is the most important economic development of the decade as it sparks off and sustains the economic growth of Singapore. Besides, structural changes in economic and social policies also serve to open the doors to female employment outside the home. Female business owners are emerging as a significant force in the business world, especially in the small- and medium-sized enterprises. However, female entrepreneurship is still in its embryonic stage of development as females are confronted with a number of problems which retard their potential for entrepreneurship. Their progress in this area has been slow compared to their male counterparts. This prompts the researchers to explore the issue of female entrepreneurship. Furthermore, the scope of the research is narrowed down to focus only on the manufacturing sector due to its significance to the Singapore economy. The significance of manufacturing lies in its multiplier effect on the rest of the economy through its strong forward and backward linkages with the other industries. Thus, it is in the national interest that manufacturing should remain as one of the mainstays of the Singapore economy.ACCOUNTANC

Rivaroxaban with or without aspirin in stable cardiovascular disease

BACKGROUND: We evaluated whether rivaroxaban alone or in combination with aspirin would be more effective than aspirin alone for secondary cardiovascular prevention. METHODS: In this double-blind trial, we randomly assigned 27,395 participants with stable atherosclerotic vascular disease to receive rivaroxaban (2.5 mg twice daily) plus aspirin (100 mg once daily), rivaroxaban (5 mg twice daily), or aspirin (100 mg once daily). The primary outcome was a composite of cardiovascular death, stroke, or myocardial infarction. The study was stopped for superiority of the rivaroxaban-plus-aspirin group after a mean follow-up of 23 months. RESULTS: The primary outcome occurred in fewer patients in the rivaroxaban-plus-aspirin group than in the aspirin-alone group (379 patients [4.1%] vs. 496 patients [5.4%]; hazard ratio, 0.76; 95% confidence interval [CI], 0.66 to 0.86; P<0.001; z=−4.126), but major bleeding events occurred in more patients in the rivaroxaban-plus-aspirin group (288 patients [3.1%] vs. 170 patients [1.9%]; hazard ratio, 1.70; 95% CI, 1.40 to 2.05; P<0.001). There was no significant difference in intracranial or fatal bleeding between these two groups. There were 313 deaths (3.4%) in the rivaroxaban-plus-aspirin group as compared with 378 (4.1%) in the aspirin-alone group (hazard ratio, 0.82; 95% CI, 0.71 to 0.96; P=0.01; threshold P value for significance, 0.0025). The primary outcome did not occur in significantly fewer patients in the rivaroxaban-alone group than in the aspirin-alone group, but major bleeding events occurred in more patients in the rivaroxaban-alone group. CONCLUSIONS: Among patients with stable atherosclerotic vascular disease, those assigned to rivaroxaban (2.5 mg twice daily) plus aspirin had better cardiovascular outcomes and more major bleeding events than those assigned to aspirin alone. Rivaroxaban (5 mg twice daily) alone did not result in better cardiovascular outcomes than aspirin alone and resulted in more major bleeding events