Digital Bank Research Articles

Применение ВЭЖХ совместно с оптическими и термическими методами в комплексном анализе межкомпонентных взаимодействий фармацевтических композиций

Разнообразие новых лекарственных препаратов и возрастающие требования применяемого к ним стандарта качества требуют систематического подхода к исследованию возможного взаимодействия компонентов. Комплексное применение оптических, хроматографических и термоаналитических методов в сочетании с воздействием стресс-факторов позволило исследовать процессы и дать характеристику продуктов деструкции. По результатам опыта работы с группой многокомпонентных препаратов анальгетического, противовоспалительного и противопростудного действия сформулирован единый методический подход к процессу изучения стабильности фармацевтических субстанций всоставе лекарственных композиций.

Designing digital filter banks using wavelets

In digital filters theory, filtering techniques generally deal with pole-zero structures. In this context, filtering schemes, such as infinite impulse response (IIR) filters, are described by linear differential equations or linear transformations, in which the impulse response of each filter provides its complete characterization, under filter design specifications. On the other hand, finite impulse response (FIR) digital filters are more flexible than the analog ones, yielding higher quality factors. Since many approaches to the circuit synthesis using the wavelet transform have been recently proposed, here we present a digital filter design algorithm, based on signal wavelet decomposition, which explores the energy partitioning among frequency sub-bands. Exploring such motivation, the method involves the design of a perfect reconstruction wavelet filter bank, of a suitable choice of roots in the Z-plane, through a spectral factorization, exploring the orthogonality and localization property of the wavelet functions. This approach resulted in an energy partitioning across scales of the wavelet transform that enabled a superior filtering performance, in terms of its behavior on the pass and stop bands. This algorithm presented superior results when compared to windowed FIR digital filter design, in terms of the intended behavior in its transition band. Simulations of the filter impulse response for the proposed method are presented, displaying the good behavior of the method with respect to the transition bandwidth of the involved filters.

Aprovechar el dinero digital del Banco Central para estimular la actividad económica doméstica

<p align="center"> </p><p>Este documento presenta una propuesta para aprovechar las ventajas de un sistema monetario electrónico (digital) en el que las cuentas y las transacciones internas, mismas que en su mayor parte deben realizarse en el Banco Central o en una entidad similar controlada por el Estado. El Banco Central es el mediador de la moneda digital, sino de todos los pagos, para la mayoría, al menos una gran parte de los flujos de transacciones en un país. Por lo tanto, se propone conseguir que una gran parte de las pequeñas (incluidas de una sola persona), medianas y grandes empresas transiten al dinero del Banco Central digital (BC) para su actividad diaria.</p><div><br /><div><p> </p></div></div>

Digital transformation of Russian banking institutions: assessments and prospects

The area of banks activity goes far beyond the borders of the banking sector and increasingly penetrates the functioning of the whole variety of material and non-material services. Analysis of key areas and assessment of the capabilities of domestic banking institutions in the process of transition to a new business model of “digital” Bank, show that the characteristic trends are: focus on remote services; competition for banking products of innovative digital solutions; investing in artificial intelligence technologies and reducing cyber risks. The Bank, like any other financial service provider, should create financial processing capabilities that can be integrated into customer interaction systems. Major players in the digital financial economy are already taking initial steps in this direction in form of creating omnichannel platform, a modern ecosystem of remote servicing of corporate clients, the integration of banking business with social networks, the accelerated introduction of blockchain technologies in customer relations with banks. However, these innovations are fragmented and reproduced only by individual banking institutions. On the example of Sberbank and Gazprombank innovations, technological solutions that have become sufficiently operational and replicated in the activities of business partners are characterized. The study contains estimates and reference directions in system adaptation of banks to new requirements and features of the transformation traditional business of universal credit institutions in to the new model forms of digital Bank with corporate-investment content.

The background of the digital bank business model forming in Ukraine

The background of the digital bank business model forming in Ukraine

Potreba i predlog načina transformacije klasične u digitalnu banku uz pomoć informacionih i mobilnih tehnologija

The need to practically and effectively implement the transformation of standard traditional banks into digital ones and how to transform them using information and mobile technologies are analyzed and described in the paper. The aim of this paper is to provide clear evidence about the need to transform banks from their present, traditional form into a new one that organizes and provides services, through a so-called digital bank. The great influence of mobile digital information technologies on the entire financial sector is further emphasized. The problems that appear because of the divergence of the existing concept of bank development and way in which modern clients want to obtain services, according to the possibilities of modern mobile digital technologies, are additionally explained. Proposals are also given for how to practically perform these changes and transformations, together with reasons that require changes. The basic principles for transitioning banks from traditional to digital formats through the so-called hybrid transformation period are presented, and several concrete solutions are proposed.

THE DEVELOPMENT OF THE DIGITALIZATION OF BANKING SERVICES IN KAZAKHSTAN

Development of a didzhitalization of bank service in Kazakhstan, in particular Internet banking and mobile banking are modern trends of digitalization of the payment industry, having growth potential observed in foreign practice on the example of functioning of digital banks. Transition to digital business models of banks is connected with a long-term outlook of development of banking business in conditions of new calls and threats. Active development of digital technologies led to change of business models of rendering services within implementation of the state program «Digital Kazakhstan». Remote channels of bank service have a set of advantages before traditional granting banking products. On the other hand, it is necessary to provide the high level of informationsecurity of banks for prevention of cyberthreats. In this regard in Kazakhstan the National Bank of Kazakhstan accepted the Strategy of cyber security of the financial sector of the Republic of Kazakhstan for 2018-2022.

ЩОДО СТВОРЕННЯ ДЕРЖАВНОГО БАНКУ ДАНИХ ГЕОЛОГО-ГЕОФІЗИЧНОЇ ІНФОРМАЦІЇ

The article suggests creation of state database of geological and geophysical information. It deals with the main problem that must be solved during creation and implementation this database. It also defined the main information resources and possible hierarchical structure of state database of geological and geophysical information Key words: Databases, state bank of geological and geophysical data, exploration, processing, interpretation

A Tunable Low-Power Oscillator Based on High-<inline-formula> <tex-math notation="LaTeX">$Q$ </tex-math> </inline-formula> Lithium Niobate MEMS Resonators and 65-nm CMOS

This paper presents a comprehensive guide to co-design piezoelectric RF-micro-electromechanical system (MEMS) resonators and CMOS for enabling voltage-controlled MEMS oscillators (VCMOs) that harness the best benefits out of both platforms. The analysis, focusing on understanding different tradeoffs among the tuning range, power consumption, gain, and phase noise, is generic to any kind of piezoelectric resonators and specific for Colpitts VCMOs. As a result of this paper, the first VCMO based on the heterogeneous integration of a high-Q lithium niobate (LiNbO3) micromechanical resonator and CMOS has been demonstrated. A LiNbO3 resonator array with a series resonance at 171.1 MHz, a Q of 410, and an electromechanically coupling factor of 12.7% is adopted, while the TSMC 65-nm RF LP CMOS technology is used to implement the feedback and tuning circuitry with an active area of $220\times 70\,\,\mu \text{m}^{2}$ . The frequency tuning of the VCMO is achieved by programming a binary weighted digital capacitor bank and a varactor that are both connected in series to the resonator. The best measured phase noise performance of the VCMO is −72 and −153 dBc/Hz at 1 kHz and 10-MHz offsets from 178.23- and 175.83-MHz carriers, respectively. The VCMO consumes a dc current of $60~\mu \text{A}$ from a 1.2-V supply while realizing a tuning range of 2.4 MHz (~1.4% fractional tuning range). Such VCMOs can be applied to enable ultralow power, low phase noise, and wideband RF signal synthesis for emerging applications in Internet of Things.

Performance of analogue, digital and hybrid finite impulse response filter banks affected by realisation errors and noise

Performance of analogue, digital and hybrid finite impulse response filter banks affected by realisation errors and noise

From Instant History to the Infinite Archive: Digital Archiving, Memory and the Practical Past at the Roy Rosenzweig Center for History and New Media

The September 11 Digital Archive and Hurricane Memory Digital Bank, both developed by the Roy Rosenzweig Center for History and New Media (CHNM) of George Mason University, are among two of the best known and most successful digital archiving initiatives. Though relatively old by internet standards and no longer receiving new submissions, both present a new understanding of what an archive is and its role regarding memory in contemporary society. Digital archives represent a convergence of social time and computer time, thus speeding the production of memory until it is contemporary of the event itself. This stretches the historical event beyond its limits but also means that the archive is created along with the event – it is an instant archive, so to speak. This contribution ends with a discussion on data accumulation in relation to Hayden White's notion of the practical past.

Easy is not enough: Meeting consumer expectations in the digital age

To fully understand consumer expectation of the digital age, it is necessary to return to first principles and consider the base psychology of humans where it pertains to effort and time. The time-poor generation of today expects to expend no effort on anything but high-value transactions. To meet these expectations, digital banks must use advanced data capabilities to drive personalised and, ultimately, high-value, negative-effort propositions while balancing the ethical use of data.

How Do Bank Customers Go Digital? A Random Forest Approach

This study examines the sequence of decisions that bank customers follow to adopt digital services and diversify the use of those services. The sequential approach relies on machine learning applied to an in-depth survey on consumer preferences for financial services. The results show that the adoption of digital banking services starts with information-based services (e.g. checking account balance), and it is then followed by transactional services (e.g. online or mobile money transfer). However, the diversification of the use of online channels is mainly explained by the consciousness about the range services available and the perception that they are safe. The findings also reveal that bank customers adopt non-bank payment services only once they are frequent and diversified digital bank customers. This suggests a certain degree of complementary between bank and non-bank digital channels. The matching learning technique based on random forest models is shown to outperform the forecasting accuracy of parametric econometric models.

Predicting Continuance Usage Intention of Mobile Payment: An Experimental Study of Bangladeshi Customers

With the tremendous use of electronic devices, inhabitants create digital footsteps of their everyday lives, therefore, unlocked magnificent opportunities for the innovative companies to launch mobile payment system and offer value-added facilities. Mobile payment system has inaugurated a conspicuous phenomenon that can enable consumers to transform their mobile devices into a digital bank. Mobile payment has already proved its aids in the developed country market and projected to enjoy a cheerful prospect in the emerging market like Bangladesh. Moreover, a stream of research conducted in multiple countries regarding the domain of mobile payment, but a different scenario noticed in perspective of emerging country like Bangladesh as there hasn’t much yet. By giving importance on behavioral intention of consumer and specific characteristics of m-payments, this study aims to develop and test a research model by integrating usefulness and ease of use into the behavioral intentions. This study employed Confirmatory Factor Analysis and Structural Equation Modeling to analyze database, which was composed of 328 samples. Results show that continuous usage intention is significantly affected by customer satisfaction. Perceived usefulness and ease of use are positively influence the continuance usage intention and satisfaction. The current study may extensively contribute to knowledge extension of two research streams-strategic management and service marketing-by implementing appropriate business model and service marketing strategies for m-payment users in Bangladesh and potentially other emerging markets.

Teses e dissertações em Educação Especial na região nordeste no período de 1997 a 2012

Este estudo teve por objetivo analisar teses e dissertações produzidas nos programas de pós-graduação em educação da Região Nordeste na área de Educação Especial no período de 1997 a 2012. Para a consecução desse objetivo foram analisados os resumos da produção strictu sensu, disponíveis no Banco de Teses da CAPES e nos sites dos Programas de Pós-Graduação, com o intuito de identificar a produção científica na área por ano e por instituição, bem como para verificar os temas, procedimentos teóricos e metodológicos, locais e sujeitos mais pesquisados. A pesquisa é de natureza qualitativa, do tipo documental. Os resultados apontam que a Educação Especial ainda é um campo pouco expressivo nos Programas de Pós-Graduação em Educação da região Nordeste, quando comparada com outras áreas.

New trends in the system regulating the market of bank services

The severity of the last financial crisis for the European financial markets, the economy, and society makes the scientists and financial analysts start to seek answers with great openness not only to the question of how to reduce its negative effects in the future, but also of how the system regulating financial institutions will look like in the future. The article discusses three options of the positions on the future regulatory tendencies: theoretical alternative, option presented in reports and expert studies, and the version arising from observations of the current practices of functioning of the European banks. The aim of the article is to confront the views on the future trends in the regulation of the banking sector from theoretical, consulting point of view, and the view formulated on the basis of evalua-tion of banking practices.

Contribuições das áreas de educação e ensino para o desenvolvimento da educomunicação

Neste artigo buscamos demonstrar a relevância dos programas de pós-graduação nas áreas de educação e ensino para a consolidação da educomunicação. Para isso, realizamos uma revisão integrativa de literatura, buscando teses e dissertações no Banco de Teses e Dissertações da Capes e no Banco Digital de Teses e Dissertações do Instituto Brasileiro de Informação em Ciência e Tecnologia com a palavra-chave “educomunicação”. Obtivemos inicialmente 241 trabalhos, dos quais 102 foram produzidos em programas das áreas desejadas. Concluímos que esses programas representam uma parcela significativa na produção acadêmica total relacionada à educomunicação e apresentam padrões semelhantes. Defendemos, assim, que eles desempenham papel de grande importância no desenvolvimento do campo.

Bankaool Bank: architecting an online-only financial brand

Subject area Marketing of financial products. Study level/applicability Graduate level. Occasionally, for undergraduate students with a strong background on branding strategies and strategic analysis. Applicable to analyze how companies can improve their branding strategies in highly regulated industries. Case overview In 2016, Claire Solís was discussing with her team the paths to ignite growth and brand awareness of the only digital bank in Mexico. To better position the brand on the Mexican financial market, Bankaool had decided to go 100 per cent online, a branch-less institution. The case presents a condensed history of banking and the shifts in digital consumer behavior. As the case continues, Bankaool products are introduced along with some concerns to keep the business going, particularly, regarding the bank’s health and further growth. The newly appointed CMO and her team have to decide next steps to boost product growth just before the Fintech industry grows more mature and competitive – a scenario of more complex decisions. While they reckoned the potential of Bankaool in sales for the short term, they also need a strategy to position the Bankaool brand in the long term while they struggle with a need to accelerate growth and generate a return for investors. Expected learning outcomes To understand the launching of a new bank in the digital arena. To understand consumer behavior in a setting of increasingly higher digital coverage and diffusion of smart devices. To recognize that brand value goes well beyond product development and launch. To gain awareness on the perks and perils of a digital-only bank. Supplementary materials Teaching Notes are available for educators only. Please contact your library to gain login details or email support@emeraldinsight.com to request teaching notes. Subject code CSS 8: Marketing.

Economics of botulinum toxin therapy: influence of the abobotulinumtoxinA package size on the costs of botulinum toxin therapy

BackgroundAbobotulinumtoxinA (Dysport®) was distributed for many years in vials containing 500MU (D500). Recently a new 300MU vial (D300) was additionally introduced (introduction). We wanted to explore whether more differentiated package sizes allow for more economic use of Dysport® in a large neurological botulinum toxin (BT) outpatient clinic.MethodsThe study followed a retrospective chart review design based on our digital BT therapy data bank. All patients receiving Dysport® exclusively in a constant dose during the observation period (introduction ± 7 months) were included. Economic calculations are based on Dysport® prices as officially advertised in Germany. Sharing of vials between patients was not allowed.ResultsAltogether 83 patients (51 with dystonia, 25 with spasticity, 3 with hemifacial spasm, 4 with other diagnoses) were included in this study. The total amount of BT used before and after introduction was 102525MU, the amount prescribed 138000MU and 116300MU (−21700MU, −15.7%), the costs €146103 and €125250 (−€ 20853, −14.3%). The price for D500 before and after introduction was €529.36, for D300 €339.71. The D500 price for 1MU before and after introduction is €1.0587, the D300 price for 1MU €1.1324 (+ €0.073, +7.0% against D500).ConclusionsMore flexible packaging reduces drug costs for BT therapy considerably. Introducing smaller packaging sizes is technically possible and should be encouraged. Extra costs for registration and logistics are moderate. Further cost reductions may be possible by introduction of even smaller packaging sizes. They can be calculated based on our model.

How to be a truly digital bank

Consumers today are experiencing accelerated digital lives, supported in particular by rapid internet penetration, increasing smartphone adoption and an ever expanding network of networks. In this atmosphere, banks face a fundamental challenge: how to sustain and grow their business in the face of increasing digital disruption and new customer demands. Research indicates, however, that close to 70 per cent of banks around the world do not have a systematic digital strategy. This article proposes that for banks to sustain and thrive, they will need to re-imagine banking and embrace a truly digital persona, a concept which is itself unclear to many. The article explores what exactly constitutes truly digital and proposes a roadmap for banks to achieve the same.