Card Issuance Research Articles

An evaluation of the effectiveness of the Behaviour Based Safety Initiative card system at a cement manufacturing company in Zimbabwe.

BackgroundA behavior-based safety initiative card-issuing system was introduced at a cement-manufacturing company in Zimbabwe in 2008 to try and curb accident occurrence. The purpose of this study was to evaluate the effectiveness of the Behaviour Based Safety Initiative card system as a tool used for reducing accident frequencies.MethodsA mixed-method approach that involving administering piloted questionnaires to 40 out of 244 randomly selected employees, making observations, and reviewing secondary data were done to collect data from different sources in the organization in 2013. A paired t-test was conducted to test whether there was significant difference in accident occurrence before and after the implementation of the BBSI. Scatterplots were also used to establish the correlation between the issuance of cards and the accident and injury occurrence.ResultsThe findings suggest that the introduction of the card system brought a significant decrease in accident and injury occurrence. A negative correlation between card issuance and accident occurrence was observed, i.e., the greater the number of cards issued, the fewer the number of accidents. It was also noted that the card system positively influenced the mindset of workers towards safe work practices.ConclusionThe card system had an influence on the reduction of accidents and injuries. The organization should leverage on issuing more cards to further reduce the number of accidents and injuries to zero.

IMPLEMENTASI KEBIJAKAN UNDANG-UNDANG NOMOR 24 TAHUN 2013 TENTANG ADMINISTRASI KEPENDUDUKAN DI DINAS KEPENDUDUKAN DAN PENCATATAN SIPIL KABUPATEN KUTAI KARTANEGARA

This research aims to describe and analyze the policy implementation of Law number 24 Year 2013 on population administration at Population and Civil Registry Service of KutaiKartangera District thorough the process of Electronic Identity Card Issuance. The research findings showed that Population and Civil Registry Service of KutaiKartanegara District had implemented the policy stated in Law Number 24 year 2013 on Population Administration, in the form of electronic ID Card issuance. However, its implementation was not optimal, which was indicated by the fact that there were still a lot of people who did not possess residency document, namely electronic ID Card.

Investigating the Factors That Influence Acceptance of Islamic Credit Card as a New Banking Service

Islamic banking expansion in the world is known as one of the most influential financial incident during the last three decades. These Shariah based banking institutions are necessitated to remain innovative in order to achieve higher market share of spirited banking industry in the world. Accordingly, Islamic credit card as a new innovation has been issued by numerous Islamic as well as dual banking institutions, nonetheless, it seems that this Islamic innovation services has not achieved adequate market share nor adopted by bank customers. Therefore, this conceptual study is an attempt to identify a theoretical framework which on its basis adoption and usage of Islamic credit card be forecasted. In view of that, perceived attributes of innovation which is originated from Rogers’ Diffusion of Innovation theory along with trust as well as demographic factors as imperative indicators of adoption has been applied to provide a new way of Islamic credit card adoption among bank clientele. This study justify the applicably of Diffusion theory into a completely new context which is Islamic credit card adoption. The bank managers and policy makers regarding Islamic banking facilities may consider the study outcome to have better strategy concerning Islamic credit card issuance as new Islamic financial innovation.

Consumer susceptibility to credit card misuse and indebtedness

Purpose – Prior research suggests that payment mechanisms are imbued with cues that affect purchase evaluation and future spending behavior. Credit cards are distinguished from other payment mechanisms as they elicit greater willingness to spend, prompt weaker recollections of past credit expenses and overvaluation of available funds – a phenomena the authors call as “credit card effect.” Little is known about the individuals’ differential exposure to the credit card effect. The purpose of this paper is to present a new concept and measure of susceptibility to the credit card misuse and indebtedness (SCCMI). Design/methodology/approach – The study focussed on young credit card users (aged 18-25) from Malaysia, Singapore, and the UK as they represent varying levels of credit card issuance and consumer protection regulations. The authors conducted confirmatory factor analysis and invariance tests to assess the validity, reliability and parsimony of the proposed scale in the three countries. Further, the authors examined the prediction power of SCCMI on consumer tendency to become a revolving credit card debtor. Findings – Results show that the SCCMI scale is valid, reliable and parsimonious across the multi-country context. The paper provided additional validity support through known-group comparison among various payers of credit card bills. Research limitations/implications – The convenience sampling used for the study is the main limitation. The findings bear important implications for more socially responsible marketing practice and better public policies in credit carder regulation for protecting young credit card users. Practical implications – The new concept and measurement scale can be used for identifying the vulnerable individuals in credit card use, assisting consumer knowledge training, improving policies for credit card regulation, and helping credit card providers in socially responsible marketing practice. Social implications – The cross-country validity of the SCCMI scale provides a unique contribution for monitoring and auditing consumer vulnerability in credit card misuse in Asian and European market conditions. Originality/value – SCCMI offers an original concept that is distinct from previous research in that SCCMI focusses solely on the state of likelihood to commit credit card abuse rather than the behavioral manifestations of credit card misuse. SCCMI provides a new tool for marketers and public policy makers for ethically responsible credit card marketing and regulation to protect youths’ benefits.

Investigating the Factors That Influence Acceptance of Islamic Credit Card as a New Banking Service

Islamic banking expansion in the world is known as one of the most influential financial incident during the last three decades. These Shariah based banking institutions are necessitated to remain innovative in order to achieve higher market share of spirited banking industry in the world. Accordingly, Islamic credit card as a new innovation has been issued by numerous Islamic as well as dual banking institutions, nonetheless, it seems that this Islamic innovation services has not achieved adequate market share nor adopted by bank customers. Therefore, this conceptual study is an attempt to identify a theoretical framework which on its basis adoption and usage of Islamic credit card be forecasted. In view of that, perceived attributes of innovation which is originated from Rogers’ Diffusion of Innovation theory along with trust as well as demographic factors as imperative indicators of adoption has been applied to provide a new way of Islamic credit card adoption among bank clientele. This study justify the applicably of Diffusion theory into a completely new context which is Islamic credit card adoption. The bank managers and policy makers regarding Islamic banking facilities may consider the study outcome to have better strategy concerning Islamic credit card issuance as new Islamic financial innovation.

Credit Card ABS Sector Review

This panel covered relative value in credit card ABS, trends in credit card asset spreads, and performance and expectations for future credit card issuance. Liquidity and transparency in the credit card ABS sector served as a safe harbor during recent market volatility. The panelists discussed trends in early-stage delinquencies and roll rates, FICO scores, spreads on and new issuances of AAA credit card ABS, and growth of the secured credit card market. An overview of the nearprime credit card market is included.

Gauging bank efficiency during card insolvency crisis: the case of the Taiwanese banks

Previous studies mostly focus on bank performance, but few studies have effectively investigated how efficiency is reduced as banks expand credit card or cash card issuances. This study seeks to investigate how bank's relaxations of card issuance and credit revolvers reduce bank efficiency during card insolvency crisis in the Taiwanese banking industry. The results show that the credit card insolvency crisis reduces bank efficiency. Particularly, banks with low card issuance levels perform better than those with high card issuance levels. This suggests that if banks approve card applications while neglecting an applicant's capability to repay the card debt, they will suffer losses. Furthermore, the regression used in this study indicates that bank efficiency is negatively related to the issuances of credit cards, issuances of cash cards, and the revolving amount of credit cards. These findings imply that the relaxations relating to the card issuance or loosened approvals of credit revolvers reduced bank profits resulting from unpaid debts.

Coping with new EMV initiatives

Since their widespread implementation in 2005, EMV cards have lacked sophistication and almost all of the 145 million EMV cards issued since 2005 carried only a single application, offering only simple functionality. Most EMV card issuers have only implemented EMV data preparation software or simply upgraded their in-house card issuance systems. Yet recent EMV initiatives are making more use of the EMV infrastructure, expanding functionality and reducing costs. Such initiatives are encouraging issuers to regain their enthusiasm for EMV. Current systems used by EMV issuers, however, have yet to prove they will be able to cope with the new requirements.

OSHA Cards and Instruction in Construction Safety

In 1995, 17 schools with authorized outreach trainers on their faculties were surveyed to ascertain the number of students being issued OSHA cards, and to determine how safety education was delivered within their curriculums. These same 17 schools were re-contacted for the current study to determine the changes that have occurred in the last 10 years with respect to (1) OSHA card issuance, (2) the effect safety training and the OSHA cards have on job opportunities for graduates, (3) the status of authorized trainers on faculty, and (4) the status of safety instructional methods and content at the university level. It was found that the number of construction students receiving the 30 Hour cards has increased, their effect on job opportunities is positive, programs continue to have authorized outreach trainers on their faculty, and there are more dedicated courses for construction safety instruction now than 10 years ago.

ID Card Printing – Is Your Process Secure?

While technology is enabling the production of Optical Variable Devices (OVDs) that can impact the risk of fraudulent ID card replication, the threat of fraudulent ID card issuance within organizations remains a growing trend worldwide.The theme of this presentation is to outline methodologies for reducing the risk of fraudulent ID card issuance. Discussion topics will include the capacity of an issuing organization to track and validate legitimately printed IDs through print imaging technologies. Methods for the prevention of non-authorized printing will also be discussed.In the context of the presentation an array of solution alternatives will be presented that include the use of Ultra Violet (UV) printing and security inks in the print personalization process; printing IDs and tracking ID card issuers covertly; using imaging software to control printing.

DoS receives smart employee badges

The US Department of State (DoS) has taken delivery of more than 17,000 smart-card-based employee badges. The cards and readers were supplied by XTec and ImageWare Systems. As a subcontractor of Northrop Grumman Information Technology, XTec was selected to provide a smart card issuance and production solution along with secured smart card access control readers. This is a short news story only. Visit www.compseconline.com for the latest computer security industry news

Determining operating and support costs with USAF D056 maintenance data collection system : Ronald S. Morris and Bruce E. Bartels. Proc. a. Reliab. Maintainab. Symp. 197 (1984)

The US Department of State (DoS) has taken delivery of more than 17,000 smart-card-based employee badges. The cards and readers were supplied by XTec and ImageWare Systems. As a subcontractor of Northrop Grumman Information Technology, XTec was selected to provide a smart card issuance and production solution along with secured smart card access control readers.This is a short news story only. Visit www.compseconline.com for the latest computer security industry news