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Examining Impacts of Big Data Analytics on Consumer Finance : A Case of China 考察大数据分析对消费金融的影响:以中国为例
Pub Date : 2017-08-31 DOI: 10.5121/IJMIT.2017.9302
Jiwat Ram, Hong Yang
The use of Big Data analytics for business improvements is a vital strategy for survival. In this paper, we report a study that investigates the role of BD analytics on consumer finance, credit card finance in China—a research area that has largely remained unexplored. The largeness and diversity of Chinese consumer market merit an urgent attention and understanding of role of BD analytics is significant both theoretically and managerially. This study achieves that target. Given the exploratory nature of study, we take a qualitative approach. We conduct approximately 30 interviews with baking and finance sector respondents. The data will be recorded, transcribed and translated. We will analyze data using content analysis / thematic analysis technique.
利用大数据分析改进业务是生存的重要战略。在本文中,我们报告了一项研究,调查了BD分析在中国消费金融、信用卡金融中的作用——这是一个很大程度上尚未开发的研究领域。中国消费市场的庞大和多样性值得我们迫切关注,理解商业行为分析的作用在理论和管理上都具有重要意义。这项研究达到了这个目标。考虑到研究的探索性,我们采取定性的方法。我们对烘焙和金融行业的受访者进行了大约30次采访。数据将被记录、转录和翻译。我们将使用内容分析/主题分析技术来分析数据。
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引用次数: 4
Autonomic Framework for IT Security Governance IT安全治理的自治框架
Pub Date : 2017-08-31 DOI: 10.5121/IJMIT.2017.9301
S. Venkatraman
With the recent service enhancements over the Internet, organisations are confronted with a growing magnitude of security intrusions and attacks. Current intrusion detection strategies have not been effective in the long term, as new and obfuscated security attacks keep emerging evading the surveillance mechanisms. With information technology (IT) playing a pivotal role in today’s organizational operations and value creation, security regulatory bodies have identified this situation not solely as a technology issue, rather due to the weakness of an organisation's risk management practices and IT governance. Hence, recent attention has embarked on formulating proactive IT security governance for organisational sustenance. This paper proposes an autonomic framework for IT security governance that postulates a selflearning adaptive mechanism for an effective intrusion detection and risk management. Such a framework would facilitate autonomic ways of integrating existing context-dependent knowledge with new observed behaviour patterns gathered from network as well as host for detecting unknown security attacks effectively using mobile agents. In addition, this paper provides a roadmap for autonomic IT security governance by applying the proposed framework The roadmap employs a continuous improvement feedback loop. for achieving the targeted quality of service (QoS) in an organisation.
随着互联网上的服务日益完善,机构正面临着日益严重的保安入侵和攻击。当前的入侵检测策略在长期内并不有效,新的和模糊的安全攻击不断出现,以逃避监控机制。随着信息技术(IT)在当今的组织运营和价值创造中扮演着关键的角色,安全监管机构已经将这种情况确定为不仅仅是技术问题,而是由于组织风险管理实践和IT治理的弱点。因此,最近的注意力集中在为组织的维持制定主动的IT安全治理上。本文提出了一种用于IT安全治理的自治框架,该框架假定了一种用于有效入侵检测和风险管理的自学习自适应机制。这样的框架将促进将现有的上下文相关知识与从网络和主机收集的新观察到的行为模式集成的自主方法,以便使用移动代理有效地检测未知的安全攻击。此外,本文通过应用所建议的框架,为自主IT安全治理提供了一个路线图。该路线图采用了一个持续改进的反馈循环。用于在组织中实现目标服务质量(QoS)。
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引用次数: 6
Students' Perception of Using Social Networking Websites for Educational Purposes : Comparison Between Two Arab Universities 两所阿拉伯大学学生使用社交网站教育目的的看法
Pub Date : 2017-05-30 DOI: 10.5121/IJMIT.2017.9202
Heba Mohammad, Hatem Tamimi
Higher education institutions are adopting innovative solutions and tools to enhance their educational outcomes and attract more learners. Social network websites (SNSs) are example about such technologies, which attracted the attention of instructors as well as students. This research aims to understand the students’ perceptions regarding using Social networking websites within their learning process. Also, to understand if student gender and nationality has influence on using SNSs. Data had been collected using an electronic questionnaire distributed among undergraduate students of two well-known universities’; Imam Mohammad Ibn Saud Islamic University which is located in Riyadh-Saudi Arabia and the second one is University of Jordan which is located in Amman-Jordan. Statistical analysis had been applied to the collected data. The results shows difference between students answers when it’s been compared on country basis.
高等教育机构正在采用创新的解决方案和工具来提高他们的教育成果,吸引更多的学习者。社交网站(sns)就是这种技术的一个例子,它不仅引起了学生的注意,也引起了教师的注意。本研究旨在了解学生在学习过程中对使用社交网站的看法。此外,了解学生性别和国籍是否对社交网站的使用有影响。数据采用电子问卷的方式在两所知名大学的本科生中进行收集;伊玛目穆罕默德伊本沙特伊斯兰大学,位于沙特阿拉伯的利雅得,第二所是约旦大学,位于约旦的安曼。对收集到的数据进行了统计分析。当以国家为基础进行比较时,结果显示学生的答案存在差异。
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引用次数: 9
A Case Study on Auto Socialization in Online Platforms 网络平台上的汽车社会化案例研究
Pub Date : 2017-02-28 DOI: 10.5121/IJMIT.2017.9101
Lars Aagaard-Kirkeby
Auto socialization Theory[1][2]is a socialization theory, introduced by Swedish Social Psychology Professor Emeritus Lars Dencik, Roskilde University Center (RUC) on how humans socialize, attempting to be a part of a group by using a taxonomy in three stages. Even though the theory is based on socialization amongst minors, the adult human uses Auto socialization to navigate everyday life in all its aspects of interaction, including communications, collaborations through online platforms. By focusing on the Auto socialization aspect in an online context, it is possible to explain why online platforms e.g. Facebook, World of Warcraft are so successful in maintaining and increasing the numbers of stabile audience and why other platforms, offering learning on a massive scale, (MOOC) facing dropout rates in the high 80 -90’s[3][4][5].
汽车社会化理论[1][2]是由瑞典罗斯基勒大学中心(RUC)的社会心理学名誉教授Lars Dencik提出的一种社会化理论,研究人类是如何社会化的,试图通过三个阶段的分类法成为群体的一部分。尽管该理论是基于未成年人之间的社交,但成年人使用自动社交来引导日常生活中互动的各个方面,包括通过在线平台进行交流和合作。通过关注在线环境中的自动社会化方面,可以解释为什么Facebook、魔兽世界等在线平台在维持和增加稳定受众数量方面如此成功,以及为什么其他提供大规模学习的平台(MOOC)面临高达80 -90的辍学率[3][4][5]。
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引用次数: 1
Digital society: a review of e-service and mobile technology in earthquakes relief operations 数字社会:地震救援行动中的电子服务和移动技术综述
Pub Date : 2016-05-30 DOI: 10.5121/IJMIT.2016.8202
Kazeem Oluwakemi Oseni, K. Dingley, P. Hart, A. Adewole, Oluwakayode Dawodu
Developing countries lacking technology infrastructures experience most disasters such as tsunami, hurricane Katrina, earthquakes. Even though, many lives are saved in developed countries through the use of high-level or sophisticated technology, only the technology that is easy to use, inexpensive, durable and field-tested should be introduced and used during the relief operation. The effect of climate change and rapid population growth are probably exposed people inhabiting areas to substantial environmental risks. The authors highlight and identify current practices, particularities, and challenges in earthquakes relief operations with the aims of reviewing the roles E-Service and Mobile Technology tools in real-life situations and practices could do to help in disaster operations. This study focuses on victims of earthquakes worldwide. The study will review and provide insights into the roles of E-Service and Mobile Technologies in earthquakes relief operations and how the internally displaced person could benefit from these services. The limitations of these services will be discussed and how the technology could be used to further predict natural disaster such as earthquakes is also considered.
缺乏技术基础设施的发展中国家经历的灾难最多,比如海啸、卡特里娜飓风、地震。尽管发达国家通过使用高水平或尖端技术挽救了许多生命,但在救济行动中只应采用和使用易于使用、价格低廉、耐用和经过实地检验的技术。气候变化和人口快速增长的影响可能使居住在这些地区的人们面临巨大的环境风险。作者强调并确定了地震救援行动中的当前实践、特点和挑战,目的是回顾电子服务和移动技术工具在现实生活中的作用和实践可以帮助灾害行动。这项研究的重点是世界各地地震的受害者。该研究将审查并提供有关电子服务和移动技术在地震救援行动中的作用以及国内流离失所者如何从这些服务中受益的见解。将讨论这些服务的局限性,并考虑如何利用这些技术进一步预测地震等自然灾害。
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引用次数: 1
ADOPTION OF MOBILE BANKING IN SAUDI ARABIA : A N EMPIRICAL EVALUATION STUDY 移动银行在沙特阿拉伯的采用:一项实证评估研究
Pub Date : 2016-05-30 DOI: 10.5121/IJMIT.2016.8201
A. Alkhaldi
This study explores the adoption of mobile banking practices in Saudi Arabia. It focuses on the existence of sufficient infrastructure, and the possible challenges that m-banking services may face. Also, discovers the potential opportunities in the country. A sample of banks in Saudi Arabia was surveyed via questionnaire, with a particular focus on the staff in the related IT departments. The findings demonstrate that although m-banking is believed to be important, there is a general lack of awareness, and it is still not widely accepted by the public. M-banking services provided should be easier to use and offer more security to its users. Furthermore, findings reveal that cooperation among the concerned parties is currently not extensive. From this, the researcher recommends that governing regulations and policies should be properly identified and put in place, and proposes that banking decision-makers in Saudi Arabia should reevaluate their bank’s strategic plans.
本研究探讨了在沙特阿拉伯采用移动银行的做法。它关注的是是否存在足够的基础设施,以及移动银行服务可能面临的挑战。同时,发现这个国家的潜在机会。以沙特阿拉伯的银行为样本,通过问卷调查,特别关注相关IT部门的员工。调查结果表明,尽管人们认为手机银行很重要,但人们普遍缺乏意识,它仍未被公众广泛接受。提供的移动银行服务应该更容易使用,并为用户提供更多的安全保障。此外,调查结果显示,有关各方之间的合作目前并不广泛。据此,该研究人员建议应该适当地确定和实施管理法规和政策,并建议沙特阿拉伯的银行业决策者应该重新评估其银行的战略计划。
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引用次数: 14
FRAMEWORK ARCHITECTURE FOR IMPROVING HEALTHCARE INFORMATION SYSTEMS USING AGENT TECHNOLOGY 使用代理技术改进医疗保健信息系统的框架体系结构
Pub Date : 2015-02-28 DOI: 10.5121/IJMIT.2015.7102
H. Al-Sakran
Due to diversity, heterogeneity and complexity of the existing healthcare structure, providing suitable healthcare services is a complicated process. This work describes the conceptual design of an e-healthcare system, which implements integration strategies and suitable technologies that will handle the interoperability problem among its essential components. The proposed solution combines intelligent agent technology and case based reasoning for highly distributed applications in healthcare environment. Intelligent agents play a critical role in providing correct information for diagnostic, treatment, etc. They work on behalf of human agents taking care of routine tasks, thus increasing speed and reliability of the information exchanges. CBR is used to generate advices to a certain e-healthcare problems by analyzing solutions given to previously solved problems and to build intelligent systems for disease diagnostics and prognosis. Preliminary experimental simulation based on Agent Development Framework (JADE) demonstrated the feasibility of this model.
由于现有医疗保健结构的多样性、异质性和复杂性,提供合适的医疗保健服务是一个复杂的过程。这项工作描述了电子医疗保健系统的概念设计,该系统实现了集成策略和合适的技术,这些策略和技术将处理其基本组件之间的互操作性问题。提出的解决方案将智能代理技术和基于案例的推理结合起来,用于医疗保健环境中高度分布式的应用程序。智能代理在为诊断、治疗等提供正确信息方面起着至关重要的作用。它们代表人类代理处理日常任务,从而提高了信息交换的速度和可靠性。CBR是通过分析已有问题的解决方案,生成针对特定电子医疗问题的建议,并构建疾病诊断和预后的智能系统。基于Agent Development Framework (JADE)的初步实验仿真验证了该模型的可行性。
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引用次数: 21
WIRELESS SENSOR NETWORK CLUSTERING USING PARTICLES SWARM OPTIMIZATION FOR REDUCING ENERGY CONSUMPTION 基于粒子群优化的无线传感器网络聚类降低能耗
Pub Date : 2014-11-30 DOI: 10.5121/IJMIT.2014.6401
Amin Rostami, Mohammad Hossin Mottar, I. Azad
Wireless sensor networks (WSN ) is composed of a large number of small nodes with limited functionality. The most important issue in this type of networks is energy constraints. In this area several researches have been done from which clustering is one of the most effective solutions. The goal of clustering is to divide network into sections each of which has a cluster head (CH). The task of cluster heads collection, data aggregation and transmission to the base station is undertaken. In this paper, we introduce a new approach for clustering sensor networks based on Particle Swarm Optimization (PSO) algorithm using the optimal fitness function, which aims to extend network lifetime. The parameters used in this algorithm are residual energy density, the distance from the base station, intra-cluster distance from the cluster head. Simulation results show that the proposed method is more effective compared to protocols such as (LEACH, CHEF, PSO-MV) in terms of network lifetime and energy consumption.
无线传感器网络由大量功能有限的小节点组成。在这种类型的网络中,最重要的问题是能量限制。在这方面已经进行了一些研究,聚类是最有效的解决方案之一。聚类的目标是将网络划分为多个部分,每个部分都有一个簇头(CH)。承担簇头采集、数据聚合和向基站传输的任务。本文提出了一种基于粒子群优化(PSO)算法的传感器网络聚类方法,利用最优适应度函数来延长网络寿命。该算法使用的参数有剩余能量密度、到基站的距离、到簇头的簇内距离。仿真结果表明,与LEACH、CHEF、PSO-MV等协议相比,该方法在网络寿命和能量消耗方面更有效。
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引用次数: 29
EXTENDED PSO ALGORITHM FOR IMPROVEMENT PROBLEMS K-MEANS CLUSTERING ALGORITHM 改进问题的扩展粒子群算法k-means聚类算法
Pub Date : 2014-08-31 DOI: 10.5121/IJMIT.2014.6302
M. Lashkari, Amin Rostami, Ferdows Branch
The clustering is a without monitoring process and one of the most common data mining techniques. The purpose of clustering is grouping similar data together in a group, so were most similar to each other in a cluster and the difference with most other instances in the cluster are. In this paper we focus on clustering partition k-means, due to ease of implementation and high-speed performance of large data sets, After 30 year it is still very popular among the developed clustering algorithm and then for improvement problem of placing of k-means algorithm in local optimal, we pose extended PSO algorithm, that its name is ECPSO. Our new algorithm is able to be cause of exit from local optimal and with high percent produce the problem’s optimal answer. The probe of results show that mooted algorithm have better performance regards as other clustering algorithms specially in two index, the carefulness of clustering and the quality of clustering.
聚类是一种无需监控的过程,也是最常用的数据挖掘技术之一。聚类的目的是将相似的数据分组在一组中,因此在一个集群中彼此最相似的数据和与集群中大多数其他实例的差异是一样的。本文主要研究k-means聚类划分,由于易于实现和大数据集的高速性能,30年后它仍然在发展的聚类算法中很受欢迎,然后为了改进k-means算法在局部最优中的放置问题,我们提出了扩展的PSO算法,其名称为ECPSO。新算法能够使问题从局部最优解中退出,且产生问题最优解的概率较高。实验结果表明,该算法在聚类的细心性和聚类的质量两个指标上优于其他聚类算法。
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引用次数: 17
BARRIERS TO GOVERNMENT CLOUD ADOPTION 政府采用云的障碍
Pub Date : 2014-08-31 DOI: 10.5121/IJMIT.2014.6301
Samuel Tweneboah-Koduah, Anthony K. Tsetse, B. Endicott-Popovsky
Besides the benefits are there possible challenges government agencies are likely to encounter should they decide to adopt cloud computing? What strategies should be deployed to overcome the inhibitors of cloud computing? These are but few questions this paper aims to investigate. Studies have shown that, cloud computing has become a strategic direction for many government agencies and is already being deployed in many critical areas of the government's cyber infrastructure. The benefits and the challenges of cloud adoption have heightened interest of academic research in recent times . We are however uncertain, per literature factors that hinder successful cloud adoption especially in the Ghanaian context. We posit that, understanding the challenges of cloud adoption and overcoming them must accompany the use of the technology in order to prevent unwanted technical consequences, and even greater problems from government information management. This study is based on unstructured interviews from selected government agencies in Ghana. The study is grounded on the theory of technology, organization and environment (TOE) framework. Major inhibiting factors identified include lack of basic infrastructure for cloud take-off, data security, unreliable internet connectivity, and general lack of institutional readiness.
除了好处之外,政府机构在决定采用云计算时是否可能遇到挑战?应该部署哪些策略来克服云计算的阻碍?这些只是本文要探讨的几个问题。研究表明,云计算已经成为许多政府机构的战略方向,并且已经部署在政府网络基础设施的许多关键领域。近年来,采用云计算的好处和挑战提高了学术研究的兴趣。然而,我们不确定,每个文献因素阻碍成功的云采用,特别是在加纳的背景下。我们认为,理解采用云计算的挑战并克服这些挑战必须伴随着技术的使用,以防止不必要的技术后果,甚至是政府信息管理带来的更大问题。本研究基于来自加纳选定政府机构的非结构化访谈。本研究基于技术、组织和环境(TOE)框架理论。确定的主要抑制因素包括缺乏云起飞的基础设施、数据安全、不可靠的互联网连接以及普遍缺乏制度准备。
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引用次数: 36
期刊
International Journal of Managing Information Technology
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