Deposit Box Research Articles

Digital and Non-Digital Services Influence on Costumers Satisfaction Through Syariah Bank Transactions

This study seeks to determine the impact of digital services, such as mobile banking, e-commerce, and flexible cashless payments, as well as non-digital services like teller services, customer services, and deposit boxes, on customer satisfaction. Specifically focusing on the university students at Muhammadiyah University of North Sumatera (UMSU), the study employed purposive sampling by selecting FAI students who have used mobile banking and other digital services in Islamic banking. The data analysis was conducted using SPSS through three main steps: instrument test, classical assumption test, and hypothesis test. The findings of this research reveal that both digital and non-digital services have a partial and simultaneous impact on customer satisfaction. In line with these results, Islamic bank digital services were found to be in demand among users. Therefore, banks are encouraged to enhance both digital and non-digital services as a strategic approach to attract more customers and enhance overall service quality.

Hand gesture-based automatic door security system using squeeze and excitation residual networks

Viruses can be transmitted due to various aspects; one spreads through airborne droplets or the touch of multiple objects. This can occur in any area, including the entrance to the house or access to a room or deposit box. The spread of viruses that cause diseases like Covid-19 has caused many human casualties, and there is still the possibility of similar conditions appearing in the future. Several things need to be done to reduce the chances of spreading disease due to viruses, including developing contactless security support methods. This paper proposes a security system using hand gesture recognition using squeeze and excitation residual networks (SE-ResNet). This research offers a hand gesture recognition system for an automatic door system using SE-ResNet and the residual network (ResNet).

Legal Regulation of Inheritance of Non-Fungible Tokens

The development of digital technologies permeates almost all areas of public relations. At the same time, certain areas remain more conservative, and legal regulation also lags behind the pace of general digitalization. This situation is especially clearly visible in the field of inheritance of digital assets. The subject of this article is to explore the opportunities and risks associated with inheriting NFTs. The purpose of the article is to determine algorithms for inheriting NFTs in the context of insufficient legal regulation of this procedure in the Russian Federation. The work uses methods of both empirical (analysis and synthesis, induction and deduction, systematization) and theoretical (methods of constructing and studying the object of study and methods of constructing and justifying theoretical knowledge) levels. When transferring a token, a unique record is transferred, and the previous owner of the NFT loses the token after it is transferred. This makes NFTs similar to material objects and necessitates separate legal regulation of the rights associated with NFTs. An NFT is inherited, not a digital object such as art. The main problem with inheriting NFTs is that these objects are intangible. They cannot be physically materialized, stored, for example, in a safe deposit box, or transferred physically. Therefore, if the owners do not have specific heirs, it will even be difficult to include NFT in the inheritance or find out about the token. Inheriting an NFT requires that the will name the NFT and include an explanation of where the NFT is held. The testator’s password must also be available. There may be problems associated with the compulsory share in the inheritance, related both to access and to the assessment and dynamically changing value of the NFT. Also, the valuation of the NFT will influence the amount of the state fee for issuing a certificate of inheritance. The practical implementation of NFT inheritance is facilitated by the development of appropriate digital technologies that optimize procedural aspects.

Are the Financial Indicators Relevant in Measuring the Performance of Islamic Banks?

This study was directed to determine the impact of financial indicators compiled in public reports on the long-term and short-term performance of Islamic banks in Indonesia. The scope of this study is between 2017 and 2021. This study uses the Vector Error Correction Model (VECM) method. The analytical steps used in VECM modeling are Granger causality, long-term and short-term VECM analysis, impulse response functions, and variance decomposition. Results of this study show that the independent variables subsisting of BOPO, CAR, FDR, MFP, NPF, and STM have long-term effects on ROA. However, CAR variables do not show significant impacts in the short term. The implications of this research are to back business efficiency in other banking services such as safe deposit boxes, hedging activities, and manufacturing sector financing based on more accountable and credible risk management. The freshness of this study is that it incorporates the results of Granger causality analysis, which reveals bidirectional relationships for each variable. In addition, Granger causality shows correlations, allowing study variables to be explored more deeply in further studies.
 Keywords: financial indicators, Vector Error Correction Models, Islamic banks, performance

Designing Logical Sequence by Using Microcontroller as Security Tools

The objective of this paper are 1) to tell how to design logical security tools by using microcontroller 2) to describe the sequence of designing logical using microcontroller toward security controller. To explain the sequence step by step the researcher used design electronic chain. An Embedded system usually consists of at least a system unit microprocessor its memory for the program, data also input or output interface simple system. The interface like floppy disk, keyboard, appearance or printer which are usually available on the personal computer exactly is not available at the micro control system. Microcontroller systems are used for important simple works like control motors, switch, variable resistor or electronic device, one of micro control used is box control or safe deposit boxes such as house, office, or bank for safe security. By utilizing micro control, the owner has valuables are not felt worried about the safe deposit box from stolen

SAFE DEPOSIT BOX, LETTER OF CREDIT AND NOTARY DEPOSIT AS LEGAL MECHANISMS TO MINIMIZING RISKS IN ELECTRONIC TRANSACTIONS

The article is devoted to the study of a safe deposit box, a letter credit, and a notary’s deposit as legal mechanisms for minimizing the risks arising when conducting electronic transactions. The author analyzes the main advantages and disadvantages of these calculation methods, and also evaluates its effectiveness in the context of modern civil law. The study presents practical recommendations for the use of a notary deposit, letter of credit and safe deposit box as a method of payment in electronic transactions, and indicates possible limitations and risks associated with their use. Overall, this article provides information and analysis that can help legal professionals and e-transaction participants make informed decisions and create a safer online transaction environment.

Implementation of Wadi'ah Academic In Sharia Banking

Public interest in muamalah according to shari'ah is a growing factor in the Indonesian economy. To develop society, the principle of Islamic Banking Institutions or Syari'ah Banking is to dismantle the interest system and replace it with a system for measuring the results of savings and loan operations. The most common form of fundraising contract in Islamic banks is the savings contract, which is also known as the wadi'ah contract. This study uses a constructive paradigm with a qualitative descriptive analysis for this type of research conducted on the literature. To process data, users use two types: secondary data and primary data. Data collection techniques are carried out using documentation studies. Data analysis uses content analysis with a more thorough process which includes categorization and selection in an in-depth format. In the process of collecting and analyzing data, researchers used two models of triangulation of sources. According to evidence, Wadi'ah helps those in need. Based on its application in Islamic banking, the term "wadi'ah contract" is divided into two categories, namely "Safe Keeping" and "Safe Deposit Box". "Safe Keeping" refers to the safekeeping of documents, contracts and other important documents, while "Safe Deposit Box" refers to the safekeeping of important papers, contracts and other documents. Every sharia banking organization must carry out its banking activities in accordance with Islamic sharia principles, especially those related to credit procedures. Islamic banking not only has a destination, but also has various problems. Including sharia products and tabling based on wadi'ah contracts.

Hybrid Contract Analysis On Sharia Safe Deposit Box Service Products

This study aims to determine the hybrid contract for sharia safe deposit box service products at Bank Bukopin Syariah Solo Branch Office. This research is a type of qualitative research that is a field case study. The research approach method used in this study is qualitative method. Qualitative research methods are research methods that use methods, steps, and procedures that involve more data and information obtained through resource persons as subjects who can devote answers to get a general picture of a matter under study. Data collection techniques are obtained by observation, interviews, and documentation. Based on the results of the study, it was concluded that Bank Bukopin Syariah Solo applies ijarah contract as the main contract in safe deposit box service products. In addition to ijarah contracts, there are other contracts that are used as supporting contracts. Hybrid contracts contained in safe deposit box rental are ijarah, rahn, wadi'ah yad amanah and wakalah.

Multi-layer Anti-Theft System with an Intruder System

Abstract: People are more concerned about the safety of their valuables like jewelry, money, important documents, etc. which is why safe deposit boxes are the safest place to keep them. The advent of rapidly growing technologies enables users to operate high security systems with electronic identification options. In this work, a design of a multilayer security system is proposed. The safety concern parameters like user password, RF identification, and fingerprint recognition, use of one time password and a motion detection and alert system are in place. An email notification of the motion detection image near the safe may also be received by a user. Our system may be considered as a useful multi layered security anti-theft product.

SISTEM KEAMANAN PENYIMPANAN SURAT PENTING BERBASIS FINGER PRINT

Administrative work in an institution is inseparable from correspondence. Correspondence documents will then be stored as archives. Storage of important letters requires a storage area with a secure level of security, one of which is using a safety deposit box. The security system is one of the efforts to prevent theft or loss of an object. The security system on conventional storage cabinet doors is prone to file theft because it is easy to break into. Therefore, it is necessary to implement a safe deposit box security system that is safer and has today's technology in order to minimize the occurrence of security deposit box locks being stolen. One way is to use a fingerprint sensor to open a cupboard door, often known as security with a fingerprint. The fingerprint sensor connected to Arduino uno will record the user's registered fingerprint. Through the fingerprint data endroll process. Fingerprint function to open the safe cabinet door, after the finger is pasted on the Finger print sensor. The specialty of this system is that only fingerprints that have been endrolled can open the safe door. Through this system, it can minimize the crime of breaking into storage cabinets. The method used is a prototype so that the design of this system can be developed according to the size of the safe deposit box for important documents

Paid Board Prototype With Monitoring Google Sheet

Many people prefer the money deposit box as a method of money storage even if there are many different types of useful places to do so. As a result, a Banknote Piggy Bank Prototype with Google Sheet Monitoring was created. a device that provides data on the amount of money saved. to use RFID as an access tool to scan ID cards. Three ID cards are included with this tool: a savings ID card, an unregistered ID card, and an ID card that may be used to withdraw money from savings accounts. The TCS34725 sensor is used in the design to read the money's nominal value and detect color. 20X4 LCD is being used as a display. can use a Wemos d1 small to monitor data after it has been saved and shown in a Google SpreadSheet. The piggy bank door lock employs a Servo Motor SG 90 for media, a Relay to start the motor, and an RTC Ds1307 to display the time and date. For use as a method of lowering the voltage in the system circuit is the LM2596 Regulator module. While the entire system needs an Arduino Microcontroller to be controlled.

Renia's Diary [Dziennik, 1939–1942

<i>Renia's Diary</i> [Dziennik, 1939–1942

Wątpliwości wokół projektu ustawy o Systemie Informacji Finansowej . Próba oceny proponowanych rozwiązań prawnych w kontekście rachunków prowadzonych przez banki dla innych banków

Uncertainties arising from the proposed act on the Financial Information System. An attempt to assess proposed legal regulations in the context of accounts held by banks for other banks The article is an analysis of the most significant issues related to the proposed act on the Financial Information System, which is currently undergoing legislative work to implement EU law into the Polish legal system, covering regulations aimed at ensuring the prevention of the use of the financial system for money laundering and terrorist financing, as set out in Directive 2018/843. Their objective is to establish centralized, automatic mechanisms (in all European Union Member States), such as registers or a search system, which are meant to enable the collection of relevant information on the identity of the holders of bank and payment accounts as well as safe deposit boxes, their representative holders and ultimate beneficial owners, taking into consideration the need to maintain the full confidentiality of the information obtained. As Member States are to determine the information that is useful and proportionate to collect in order to achieve the objective of minimizing the risks of money laundering and terrorist financing by enabling meaningful identification of ultimate beneficial owners of money transfers, whilst taking into account existing legal systems and practices, the article also attempts to assess the proposed legal regulations in the context of accounts held by banks for other banks.

Characteristics of Service Safe Deposit Box in Banking Activities

Provision of safe deposit boxes (SDB) is one of the services in banking activities. The SDB is in the form of a box with a certain size and is rented out to customers, which is used to store goods and securities without the bank knowing its mutation and contents. According to Law No. 7/1992 concerning Banking as amended by Law No. 10/1998, the activity of "providing a place" in the form of SDB is a bank activity that solely rents a place for storing goods and securities, so it is not a safekeeping of goods even though the existence of SDB is under the control and supervision of the bank. If so, it is necessary to investigate whether the provision of SDB services in banking activities is a legal contractual relationship or goods custody. Therefore, this study aims to analyze the characteristics of the legal relationship in the provision of SDB services in banking activities. This research is a normative legal research using legal construction methods and approaches to the application of laws and conceptual. The results showed that the construction of legal relations between the customer and the bank in the SDB rental contract made by the bank was not solely a rental contract, but contained elements of goods storage. This is because the SDB that is leased is not fully under the management of the lessee (customer), the SDB and its contents are under the management and supervision of the SDB owner's bank. Therefore, the SDB rental contract for banking activities is a contract or a mixed agreement (contract sui generis).

Characteristics of Service Safe Deposit Box in Banking Activities

Provision of safe deposit boxes (SDB) is one of the services in banking activities. The SDB is in the form of a box with a certain size and is rented out to customers, which is used to store goods and securities without the bank knowing its mutation and contents. According to Law No. 7/1992 concerning Banking as amended by Law No. 10/1998, the activity of “providing a place” in the form of SDB is a bank activity that solely rents a place for storing goods and securities, so it is not a safekeeping of goods even though the existence of SDB is under the control and supervision of the bank. If so, it is necessary to investigate whether the provision of SDB services in banking activities is a legal contractual relationship or goods custody. Therefore, this study aims to analyze the characteristics of the legal relationship in the provision of SDB services in banking activities. This research is a normative legal research using legal construction methods and approaches to the application of laws and conceptual. The results showed that the construction of legal relations between the customer and the bank in the SDB rental contract made by the bank was not solely a rental contract, but contained elements of goods storage. This is because the SDB that is leased is not fully under the management of the lessee (customer), the SDB and its contents are under the management and supervision of the SDB owner’s bank. Therefore, the SDB rental contract for banking activities is a contract or a mixed agreement (contract sui generis).

Safe deposit box regulatory model

Safe Deposit Box is a banking product that provides goods storage services, such as money, securities, and other valuables. This product guarantees the confidentiality of information related to its use. In this regard, the Safe Deposit Box is one of the services that is risky and vulnerable to being used by money laundering actors. Then, based on the recommendations of the Financial Action Task Force (FATF) it is stated that each country is obliged to identify, analyze, and evaluate the risks of money laundering and terrorism financing in that country. To follow up on these recommendations, Indonesia has established an Anti-Money Laundering and Prevention of Terrorism regime, as an effort to determine the direction and mitigate the risks of using financial services in money laundering practices. However, the need to protect Bank Secrecy cannot be ruled out. So it is necessary to make arrangements that can accommodate the need for a Safe Deposit Box Mechanism that can protect bank secrecy and prevent money laundering practices. Based on this research, the writing method used is a normative juridical method with a statutory and conceptual approach. The purpose of this study is to provide an overview and analysis related to the need for legal regulation and supervision of use related to Safe Deposit Boxes that can guarantee bank confidentiality, but can prevent money laundering practices, especially to identify user information, access data and information on money laundering practices and Politically Exposed Persons. (PEP) in Indonesia.

БІОМЕТРИЧНЕ МАЙБУТНЄ АВТЕНТИФІКАЦІЇ КОРИСТУВАЧІВ ФІНАНСОВИХ ПОСЛУГ

The article discusses biometric technologies, which allow not only to ensure the proper level of security of financial transactions, but also to speed up the process of customer service both in traditional branches and through remote service channels. A few years ago, in order to attract new customers, it was enough for banks to offer them cheaper products and services. Today the situation is rapidly changing, users prefer convenience and reliability. The most common types of biometric data used in the financial sector include facial image, fingerprints, hand geometry and iris pattern. This data can be used to identify customers in online banking, to provide access to financial services on self-service devices and at bank branches, and to gain access to safe deposit boxes. The most popular in the banking sector is two-factor authentication using a PIN code or one-time password and biometrics, which ensures the highest level of data security and access control. The problem of internal fraud and unauthorized access to data through employee accounts is relevant for financial institutions around the world. Also biometrics is able to play an increasingly important role in the global fight against different forms of terrorism, namely in countering fraud, identity theft and other criminal offenses committed by terrorists in order to support their activities. Banks are looking for solutions that can protect their internal data infrastructure and are increasingly opting for biometric technologies. However, of course, biometric technologies’ usage can have more advantages than risks of using. The use of biometric technologies for employee authorization ensures the necessary level of data security and access control to sensitive information, and also provides enough opportunities for monitoring the work of employees of a financial institution. One of the most reliable means of user authentication is biometrics. Biometric data cannot be tampered with, stolen or otherwise used without the knowledge of the bearer. The use of biometric data for authentication on self-service devices provides a high level of security and reduces the time of the transaction, relieves users of the need to carry payment means with them, remember passwords or a PIN code from a card, etc.

Technology Adoption as a System Lock-in Strategy and its Effect on Financial Performance of Commercial Banks Operating in Narok Town, Kenya

With the increasing competition, commercial banks are not just expected to offer traditional products and services such as checking and savings accounts, certificates of deposit and safe deposit boxes, but to provide services and product that meet customer’s satisfaction and competition. The overall objective of this study was to determine the effect of technology adoption as a system lock-in strategy on financial performance of commercial banks operating in Narok town. The study used a cross-sectional design. The study targeted a population of 10 commercial banks operating in Narok town. The study used census because the population was not vast. Data was collected using a questionnaire. The questionnaire was tested for validity and reliability to ensure that it provided the data that was required for the study. The data was analyzed using descriptive statistics for frequency and percentages, Pearson correlation analysis and simple linear regression analysis to summarize and classify data, to establish the relationship between the variables and to determine the strength of association between the technology adoption and financial performance of commercial banks operating in Narok town. On the correlation between technology adoption and financial performance of commercial banks operating in Narok town, it was noted that there was a statistically significant correlation when tested using Pearson correlation (r = 0.373; p- value = 0.002). On the magnitude of the effect of technology adoption on financial performance of commercial banks operating in Narok town it was established that the (R2= 0.139). The hypothesis was tested using the t-values, where the null hypothesis was rejected based on the t-value (3.896) which was greater than the critical t- value. The study therefore concluded that commercial banks that seeks to improve their financial performance should embrace technology as it improves service delivery.

When the Physician Becomes the Caregiver: A Review for Physicians Caring for Their Elder Relatives.

When the Physician Becomes the Caregiver: A Review for Physicians Caring for Their Elder Relatives.

Pensioners, Orphans, and Widows versus Banks: Palestinian Financial History

This essay attempts to rectify the silence about the willful expropriation, by British and Israeli forces, of private Palestinian financial assets. Placing at its core the stories of ordinary Palestinians, it explores how they were robbed of their bank accounts, bonds, stocks, pensions, salaries, and safety deposit boxes during the creation and termination of the Palestine Mandate (in both 1917 and 1948). The essay argues that the basic financial structure of colonization, which deprives the colonized of the protection of sovereign banking institutions, facilitated these thefts. It also argues that the supposedly neutral rules of finance acted as a fig leaf to such dispossessions. Based on archival research and oral histories, it presents a new social history of finance that centers the experiences and subjectivities of non-elite Palestinians who strove to defend themselves and assert their rights, individually and collectively, during pivotal moments of violent upheaval and rupture.