The Impact Of Online Banking On Financial Well-Being

The influence of the internet can be found across all industries in the United States, and financial institutions are no exception to this. As the consumer banking industry shifts to an increasing online presence, research has largely ignored the impacts this might have on low- to moderate-income households. Online banking can be an effective and useful tool for managing finances; however, data indicates that access to the internet is not evenly distributed across income brackets. Additionally, lower-income households are more likely to complete bank transitions in-person. Does this gap in access to the internet and the differences in the use of online banking services translate into experienced differences in financial outcomes for low- to moderate-income households? If so, how? I hypothesize that as the level of access to online banking decreases for low- to moderate-income populations, the level of financial well-being will decrease. I examine this concept through quantitative analyses using the 2018 National Financial Capability Study which provides state-by-state data regarding attributes of individuals\u27 financial situations including savings, employment, financial confidence, online banking use, and more. This study is one of the first national surveys to employ the Consumer Finance Protection Bureau’s newly developed financial well-being score. The financial well-being score is not a measure of wealth or income, but a measure of choices in finance. An individual with a high income can have a low score and vice versa for low-income individuals. The financial well-being score provides a relatively new perspective to the contested idea of what financial outcomes are, and it is meant to capture an individual\u27s social and economic environment which impacts their personality and attitudes, decision context, knowledge and skills, available opportunities, and behavior. While the 2018 National Financial Capability Study data does not provide geographic information that would allow for calculating area median income, studies indicate 44% of adults who have household incomes of $30,000 a year or less do not have broadband service. I use this established measure for determining the individuals included in my dependent variable. My independent variable was created using a factor analysis of online banking variables. My findings from this quantitative study provide insight into policy creation and activities for financial institutions to better understand how to serve low- to moderate-income households and improve their financial outcomes.https://ir.library.illinoisstate.edu/urs2021pol/1000/thumbnail.jp

The Covid-19 crisis as a career shock: Implications for careers and vocational behavior

The covid-19 pandemic is a career shock for many people across the globe. In this article, we reflect on how insights from the literature on career shocks can help us understand the career consequences of the pandemic and offer suggestions for future research in this area. In particular, we offer three “key lessons”. The first lesson is that the implications of Covid-19 reflect the dynamic interplay between individual and contextual factors. Here, we argue that although the pandemic was difficult to predict and control, research shows that certain psychological resources – such as career competencies and resilience – could make this career shock more manageable. The second lesson is that the pandemic may have differential implications over time, as suggested by research that has shown the consequences of career shocks to differ between short-term vs. long-term time horizons, and across life- and career stages. The third lesson is that, even though the pandemic is clearly a negatively valenced shock for most people, further into the future it may allow for more positive outcomes. This lesson builds on research showing how negative career shocks have long-term positive consequences for some people. We hope that these insights will inspire both scholars and practitioners to study and understand the work and career implications of Covid-19 as a career shock, as well as to support people in dealing with its consequences

A versatile trigger and synchronization module with IEEE1588 capabilities and EPICS support.

Event timing and synchronization are two key aspects to improve in the implementation of distributed data acquisition (dDAQ) systems such as the ones used in fusion experiments. It is also of great importance the integration of dDAQ in control and measurement networks. This paper analyzes the applicability of the IEEE1588 and EPICS standards to solve these problems, and presents a hardware module implementation based in both of them that allow adding these functionalities to any DAQ. The IEEE1588 standard facilitates the integration of event timing and synchronization mechanisms in distributed data acquisition systems based on IEEE 803.3 (Ethernet). An optimal implementation of such system requires the use of network interface devices which include specific hardware resources devoted to the IEE1588 functionalities. Unfortunately, this is not the approach followed in most of the large number of applications available nowadays. Therefore, most solutions are based in software and use standard hardware network interfaces. This paper presents the development of a hardware module (GI2E) with IEEE1588 capabilities which includes USB, RS232, RS485 and CAN interfaces. This permits to integrate any DAQ element that uses these interfaces in dDAQ systems in an efficient and simple way. The module has been developed with Motorola's Coldfire MCF5234 processor and National Semiconductors's PHY DP83640T, providing it with the possibility to implement the PTP protocol of IEEE1588 by hardware, and therefore increasing its performance over other implementations based in software. To facilitate the integration of the dDAQ system in control and measurement networks the module includes a basic Input/Output Controller (IOC) functionality of the Experimental Physics and Industrial Control System (EPICS) architecture. The paper discusses the implementation details of this module and presents its applications in advanced dDAQ applications in the fusion community

Experimental Physics and Industrial Control System (EPICS): Application source/release control for EPICS R3.11.6

This manual describes a set of tools that can be used to develop software for EPICS based control systems. It provides the following features: Multiple applications; the entire system is composed of an arbitrary number of applications: Source/Release Control; all files created or modified by the applications developers can be put under sccs (a UNIX Source/Release control utility): Multiple Developers; it allows a number of applications developers to work separately during the development phase but combine their applications for system testing and for a production system; Makefiles: makefiles are provided to automatically rebuild various application components. For C and state notation programs, Imagefiles are provided

Qualitativ-empirische Sozialforschung im Aufbruch

Der Beitrag ist eine Einführung zu einem Sammelband über qualitativ-empirische Sozialforschung. Er charakterisiert zunächst die qualitativ-empirische Sozialforschung, gibt dann einen Überblick über die Entwicklung und zeigt detailliert Hauptströmungen und Typen qualitativer Sozialforschung auf. Dabei werden verschiedene Einteilungskriterien europäischer und amerikanischer Autoren berücksichtigt und dargestellt. Es wird das Verhältnis von qualitativer und quantitativer Sozialforschung im Hinblick auf ihre Leistungsfähigkeit sowie hinsichtlich der Fruchtbarkeit einer möglichen Verbindung der beiden Richtungen erörtert. Abschließend werden die Auswahlkriterien für die Beiträge in diesem Band vorgestellt. (pag

Choices, Challenges, and Career Consequences of Global Work Experiences: A Review and Future Agenda

Over the past 20 years, there has been increased interest in global forms of employment. Researchers have identified and investigated a number of global work experiences, including corporate and self-initiated expatriates as well as more novel forms of corporate global employees (flexpatriates, short-term assignees, and international business travelers). In this article, the authors review the empirical research that has investigated individual choices, challenges, and career consequences associated with the various types of global work. They summarize and synthesize this growing body of literature and then develop a taxonomy of global work experiences. Based on their review of this literature and their taxonomy, the authors outline an agenda for future research on global work experiences.Yeshttps://us.sagepub.com/en-us/nam/manuscript-submission-guideline

EPICS application source/release control

This manual describes a set of Application Source/Release Control tools (appSR) that can be used to develop software for EPICS based control systems. The Application Source/Release Control System (appSR) has been unbundled from base EPICS and is now available as an EPICS extension. Due to this unbundling, two new directories must be added to a user`s path (see section ``Environment`` on page 3 for more information) and a new command getapp must be issued after the getrel command to get a specific version of appSR (see section ``Creating The Initial Application System Area`` on page 7 for more information). It is now required that GNU make version 3.71 or later be used for makes instead of SUN make. Users should now type gmake instead of make

A transactional stress theory of global work demands : A challenge, hindrance, or both?

We integrate research on global work demands (Shaffer et al., 2012) with transactional stress theory to examine both the harmful and beneficial effects of three global work demands—international travel, cognitive flexibility, and nonwork disruption—for employees engaged in global work. We propose that global work demands have indirect, and conditional, effects on burnout and work-to-family conflict (WFC), as well as thriving and work–family enrichment, through employees’ appraisals that their global work is both hindering and challenging, respectively. We tested the hypotheses with a matched sample of 229 global employees and their spouses. We found that cognitive flexibility demands are related to harmful and beneficial outcomes: It increases WFC through hindrance appraisals of the global work, but also increases thriving through challenge appraisals. In comparison, international travel demands have only beneficial outcomes, such that it positively related to employee thriving through challenge appraisals, but only among employees working in jobs that have fewer nonwork disruption demands. Finally, nonwork disruption demands had only harmful effects in that it positively related to burnout and WFC through hindrance appraisals. Exploratory analyses also revealed that nonwork disruption demands negatively related to employee thriving, through challenge appraisals, when employees experienced lower levels of cognitive flexibility demands. These findings contribute to our understanding of how employees may react to their global work demands and to the transactional theory of stress by providing a more nuanced understanding of when and why job demands contribute to appraisals that work is hindering and/or challenging.© 2022, American Psychological Association. This paper is not the copy of record and may not exactly replicate the final, authoritative version of the article. Please do not copy or cite without authors' permission. The final article will be available, upon publication, via its DOI: 10.1037/apl0001009fi=vertaisarvioitu|en=peerReviewed

APS control system operating system choice

The purpose of this document is to set down the reasons and decisions regarding what is an important choice for the APS Control System design staff, namely the choice of an operating system for its principle computer resources. Since the choice also may affect cost estimates and the design handbook, there is a further need to document the process. The descriptions and explanations which follow are intended for reading by other APS technical area managers and will contain a minimum of buzz-words, and where buzz-words are used, they will be explained. The author hopes that it will help in understanding the current trends and developments in the volatile and fast-developing computer field