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The Evolving Interdependencies between Banks and Fintechs within Open Banking Platforms

The enactment of the revised Payment Services Directive (PSD2) by the European Union, has pushed banks to develop digital open banking platforms to enhance market competition and promote innovation in the banking industry. PSD2 mandates banks to offer APIs to provide access to banking data to external third-party providers (TPPs). This mandate might disrupt the role of banks since external complem

Environmental monitoring using optical techniques

An overview of optical techniques for environmental monitoring is presented. Range-resolved measurements of atmospheric pollutants can be performed using the differential absorption lidar technique. Fluorescence lidar allows assessment of vegetation status and also the conditions of the facades of historical buildings. Diode lasers provide particularly realistic schemes for atmospheric gas analysi

Bacterial interference-is deliberate colonization with Escherichia coli 83972 an alternative treatment for patients with recurrent urinary tract infection?

The increasing microbial antibiotic resistance motivates research for non-antibiotic treatment alternatives. In recurrent urinary tract infections (UTIs), 'bacterial interference' has attracted interest as a possible alternative treatment option. The observation that asymptomatic bacteriuria (ABU) protects against recurrent UTI has prompted clinical trials with deliberate colonization of the human

Understanding the ERP system use in budgeting

This paper investigates the enterprise resource planning (ERP) system use in budgeting in order to explain how and why ERP system are used or not used in budgeting practices. Budgeting is considered as a social phenomenon which requires flexibility for decision-making and integration for management controls. The analysis at the activity levels, guided by the concept of ‘conflict’ in structuration

Methodologies for characterising and valuing energy security — A short critical review

Security of supply is widely addressed in the academia. In this paper we conduct a review of methodologies, discuss strengths and weaknesses and identify areas that would benefit from further research and methodology development. A distinction is made between methodologies used to assess general vulnerability and those that value the outcome of insecurity by testing how energy systems respond to d

CASE STUDIES OF DESERTIFICATION MONITORING. -A DISCUSSION OF EU INITIATIVES

The word “desertification” was introduced in 1949 by the French scientist Aubreville in his report “Climats, forêts et désertification de l´Afrique tropicale”. The concept, however, was discussed earlier by European and American scientists in terms of increased sand movements, desiccation, desert and Sahara encroachment and man made deserts. Desertification, at the beginning of last century, mea

Extending a Teachable Agent with a Social Conversation Module – Effects on Student Experiences and Learning

The paper discusses the addition of off-task socially oriented conversational abilities to an existing “teachable agent” (TA) in an educational game in mathematics. The purpose of this extension is to affect constructs known to promote learning, such as self-efficacy and engagement as well as enhance students’ experiences of interacting with the game. A comparison of students that played the game

Improved fast correlation attacks on stream ciphers via convolutional codes

This paper describes new methods for fast correlation attacks, based on the theory of convolutional codes. They can be applied to arbitrary LFSR feedback polynomials, in opposite to the previous methods, which mainly focus on feedback polynomials of low weight. The results improve significantly the few previous results for this general case, and are in many cases comparable with corresponding resu

The development of global consensus guidelines on the management of the diabetic foot

The future for diabetes is grave. Now described as the global epidemic of the 21st century, the increasing incidence of diabetes (in 2007 over 246 million people affected by diabetes) will place considerable strain on resources and will bring suffering to many if the preventative measures promoted by the International Diabetes Federation (IDF), the International Working Group on the Diabetic Foot

Numerical investigation of vibration reduction in multi-storey lightweight buildings

In order to reduce the vibration transmission in multi-storey wood buildings, it is common to insert viscoelastic elastomer materials between parts of the buildings. The studies presented here investigate to which extent different design choices for the elastomer layers affect the isolation of low-frequency vibrations (0-100 Hz). A finite element model of two storeys of a multi-storey wood buildin

Evaluation of Lattice Boltzmann Method for Reaction-Diffusion Process in a Porous SOFC Anode Microstructure

In the microscale structure of a porous electrode, the transport processes are among the least understood areas of SOFC. The purpose of this study is to evaluate the Lattice Boltzmann Method (LBM) for a porous microscopic media and investigate mass transfer processes with electrochemical reactions by LBM at a mesoscopic and microscopic level. Part of the anode structure of an SOFC for two componen

Three methods for optimizing single-shortest path routing

Intra-domain routing in IP networks is based on the shortest path principle by assigning administrative weights (costs) to links. The resulting least-cost paths determine routes between pairs of routers. If several such equal-cost paths exist between a pair of routers, it may not be clear which of them is actually used to route traffic. This makes it difficult to predict the network traffic flow d

Transparently Wrap-Gated Semiconductor Nanowire Arrays For Studies Of Gate-Controlled Photoluminescence

We present a technique to measure gate-controlled photoluminescence (PL) on arrays of semiconductor nanowire (NW) capacitors using a transparent film of Indium-Tin-Oxide (ITO) wrapping around the nanowires as the gate electrode. By tuning the wrap-gate voltage, it is possible to increase the PL peak intensity of an array of undoped InP NWs by more than an order of magnitude. The fine structure of

Systemic combinatory use of Brainstorming, Mind-Maps and Rich Pictures for analysis of complex problem spaces

For years tools and techniques such as Brainstorming, Mind-Maps and Rich Pictures have been used in both academic and professional practices to assist people with making sense of complex problem spaces. These tools have their supporters and in many cases their uses can be argued to be interchangeable. Seldom however have they been systematically applied in combination in theory or practice. Even t

Drone Warfare : Visual Primacy as a Weapon

This paper articulates drone warfare through a critical analysis of an actual drone operation and a study into its developing technologies. The first chapter moves through a discussion of the intervening role of the camera as described by Walter Benjamin and societal perspective of visual reproduction technology. This discussion then departs from the mechanical to the digital realm of realtime vid

A taxonomy of deviant encodings

The main objective of this paper is to design a common background for various philosophical discussions about adequate conceptual analysis of “computation”.