Search results for "AAT"
showing 10 items of 6105 documents
The development of mobile banking services in a large Finnish financial organization
2018
The chapter, based on an ongoing qualitative study, provides answers to the following questions: what are the case organizations’ rationales in developing mobile banking services? how are customer perspectives considered in developing them? and what are the implications of digitalization and m-banking for the bank and the client? Based on the findings, m-banking is seen to allow ubiquitous availability and efficiency of service provision, offering a sound rationale for their development. The flipside is that digital and m-banking services dilute the human interaction, which challenges the rationale of improving the customer experience. The service development follows the software industry m…
Exploring the nexus between financial sector reforms and the emergence of digital banking culture – Evidences from a developing country
2017
Several financial and banking sector reform programs were instituted in different countries over the last three decades. The underlining purpose of these reforms was largely to improve banking sector supervision and regulation, introduce bank privatization mechanism, introduce clearance and settlement systems, infuse competition and to stimulate financial innovation. The objectives of this study are to 1) review the relevant published literature and market survey reports on the financial & banking sector reforms undertaken in Pakistan and elsewhere, 2) analyze how these reform programs develop digital banking culture and increase financial inclusion in the country and 3) guide future resear…
Does the EMU Need a Fiscal Transfer Mechanism?
2004
Summary: The aim of this paper is to investigate how the birth of a central fiscal authority or the creation of a fiscal transfer mechanism could improve the action of fiscal policy in terms of stabilization in the EMU. In particular, the paper examines the theoretical reasons to support this conclusion and provides empirical evidence that shows how the EMU is not able to face asymmetric and symmetric idiosyncratic shocks. Zusammenfassung: Die zentrale Frage des Aufsatzes lautet: Ob und wie kann eine zentrale Fiskalbehorde oder ein fiskalischer Transfermechanismus die fiskalpolitische Stabilisierung in der EWU verbessern? Dazu werden theoretische Argumente und empirische Evidenz prasentiert…
Henkilöstön johtaminen Valkeakosken tehdasyhteisössä Rudolf ja Juuso Waldenin aikakaudella 1924-1969
2012
Genetic-based evaluation of management units for sustainable vendace (Coregonus albula) fisheries in a large lake system
2022
The goal of the processing industry, trade and consumers is to get eco-labelled freshwater fish products from sustainable fisheries into the market as soon as possible. The fourth largest natural lake system in Europe, the Saimaa lake system supports a fishery for vendace (Coregonus albula). Certification of the fishery requires an understanding of population structure to help determine the number and spatial extent of management units. In this study, we analysed the genetic diversity of local vendace populations in the Saimaa lake system and aimed to identify the conservation and management units of vendace. Within the Saimaa, the genetic divergence between local populations of vendace was…
Gamification Based on User Types : When and Where It Is Worth Applying
2023
Students’ motivation is one of the most relevant factors when improving the quality of the learning process. In this context, gamification is a powerful tool for increasing motivation at all levels of teaching. Since gamification methodologies can be applied in many different ways, personalizing gamified activities as a function of gamification user types is a promising strategy. Knowing the user types is also an advantage to understand the nature of learners in the class. In this article, we present the findings from several pilot exercises, where we identified gamification user types among students from Spain and Finland, analyzing their prevalence as a function of age, gender, country, a…
Designing digital well-being of senior citizens
2020
In this paper, we illustrate a concrete case to apply the Life-Based Design approach to identifying human goals for technology to achieve. We focus on a form-of-life method of design, which seeks to reach a mental state of “digital wellbeing.” Digital well-being aims to facilitate digitalization and changes in the digital environment, and to maximize the availability and accessibility of services. We evaluate the target group of senior citizens, who are facing an accelerating pace of digitalization of the services in their daily lives. This increases their sense of anxiety and undermines their well-being. peerReviewed
The Contribution of Family Business Groups to the Local Innovation Environment
2018
Family firms and family business groups and their role in the local business community are largely unexplored territory in the field of family business as well in the field of regional innovation systems. The focus of this chapter is in regional innovation system and particularly in how family firms and family business groups are embedded in this system. The main research question is what is the role of family business groups for the regional innovation system? The present study is also among the first to analyse the intellectual property rights (IPRs) filing activity by family business groups. Descriptive empirical analysis indicates that family business groups are among the top regional i…
Risk assessment of gypsum amendment on agricultural fields: Effects of sulfate on riverine biota
2022
Gypsum (CaSO4 ∙ 2H2 O) amendment is a promising way of decreasing the phosphorus loading of arable lands, and of thus preventing aquatic eutrophication. However, in freshwaters with low sulfate concentrations, gypsum-released sulfate may pose a threat to the biota. To assess such risks, we performed a series of sulfate toxicity tests in the laboratory and conducted field surveys. These field surveys were associated with a large-scale pilot exercise involving spreading gypsum on agricultural fields covering 18% of the Savijoki River catchment area. The gypsum amendment in such fields resulted in about fourfold increase in the mean sulfate concentration for a 2-month period, and a transient, …