The financial inclusion, including all the people with the finance, is very concerned issue all over the world where Bangladesh is also trying to include all the people with the finance. Bangladesh lies in such a group of countries where only 17.6% - 38.6% adults are presently under the reach of the formal financial services. This is because the present banks and other formal financial modes consider the outcome and profitability in a way that, the rural and non-developed areas are always out of the consideration. But these areas consist of the most population of Bangladesh. And only then financial inclusiveness will be successful in Bangladesh when people from these regions will be under formal financial consideration. The paper seeks for a solution to the issue and presents the Unit Banking System as a probable way towards financial inclusion. For implementing the system in Bangladesh, the system needs a slight modification to cope in Bangladeshi economic condition and address the specific needs without hampering the surroundings. Considering all these, the paper shows the status, problems and key points of financial scenario of inclusion in Bangladesh and shows policy for a Modified Unit banking System.

In the repercussions of the latest financial crisis that have occurred on the years 2008-2009, to fortify the stability of the banking systems, policy makers, and the Basel Committee on Banking Supervision – BCBS, together with national regulators have built up a few safety measures, and structures to guarantee that banks establishments keep up adequate capital levels through using risk management tools, in specific the Internal Capital Adequacy Assessment Processes (ICAAP). They all have called for thorough evaluations and assessments for the structure and components of risk management frameworks, tools, and practices whether by banks, regulators, analysts and risk management experts consistently, to ascertain the adequacy of the banking systems, policies, arrangements and techniques for overseeing risks, and guaranteeing the sufficiency of holding appropriate capital levels for confronting normal, as well as adverse and unexpected situations or emergencies. The main objectives of this research study is to shed the light on the ICAAP as one of the main keys of risk management programs, a process by which banks can use to ensure that they operate with an appropriate levels of capital, forward looking processes for capital planning covering a broad range of risks across banks, activities beyond simple capital management, and brings together risk and capital management activities in a form that can be used to support business decisions. The research study shall evaluate the significant relationship between the Banking System Stability (dependent variable) and the Internal Capital Adequacy Assessment Process (ICAAP – independent variable) with evidence from the Egyptian Banking Sector.

Currently, the Bangladeshi financial sector is undergoing significant transformations. With the expansion of the infrastructure and the increasing prevalence of digital banking services, it is essential to take measures to prevent cyberattacks. These threats can be effectively mitigated through the utilization of deep learning and machine learning techniques. Through the analysis of massive amounts of banking data in real-time, these methods make it possible to detect and prevent malicious software, fraud, and security breaches that are proactive. Because the government is actively pushing for financial inclusion and digitalization, strong cybersecurity measures are more important than they have ever been. It is the purpose of this study to investigate the application of deep learning and machine learning to improve the cybersecurity environment of Bangladesh’s banking sector in light of the country’s rapidly expanding digital economy.

Fintech's emergence is one of the most significant developments in finance, and its application has been of much interest and popularity in recent decades. This study aims to explore the adoption of fintech in emerging economies by employing a structural equation model. The study's sample population consists of bank clients of Ethiopian commercial banks who have used financial technology platforms for at least one year. The total number of sample sizes is 440. The data collection instrument used for this study is a questionnaire (seven-point likert scales ranging from strongly disagree to strongly agree). Structural equation model (SEM) analysis was implemented using Amos software to examine the relationship between variables. The findings of the study support the hypotheses that various factors, including performance expectancy, effort expectancy, social influence, facilitating condition, traliaility, and user innovativeness, significantly influence the adoption and usage of fintech services. The study recommends that FinTech companies implement pilot programs to allow potential users to trial FinTech services on a limited basis before full commitment. Fintech industries should engage with local communities through events, seminars, and workshops to introduce fintech services. Having community leaders and respected individuals advocate for the technology can enhance acceptance.

Banking sector is generally taken out of sample while the sustainability performance, and the financial performance are compared with each other. The core aim of this study is to analyze the effect of the declarations made in the cope of sustainability reports on the financial performance in the banking sector. Seven banks were included in the study which were placed at least one time in BIST Sustainability Index in between 2010-2017 years. Environment, human resources, product liability and community involvement were determined as sustainability criteria and return on assets, return on equity and net interest margin were determined as financial performance criteria. Non-Parametric Statistic Tests and Panel Data Analysis were used for analysis and types, and the sizes of banks were selected as dummy variables. As a result, it is found that the declarations of sustainability reports have a significant effect only on return on assets and have no significant effect on return on equity and net interest margin. And also, when we analyzed the relationship of sustainability criteria and return on assets, we found that the declarations about environment and human resources have negative effects on return on assets.

This research study aims to explore how during COVID-19, the adoption of online banking is impacted by various factors such as perceived usefulness, perceived ease of use, perceived security, and trust. The data were collected using the primary questionnaire with 98 respondents. The study investigates the direct effect using the PLS-SEM method, and the indirect effects are analyzed using mediation analysis. The study indicates that perceived security is an important factor that impacts the adoption of online banking by self-help groups in India. Trust in online banking without allaying the fears of banking online does not lead to the adoption of technology. Perceived ease of use and ease of usage directly impact the adoption of online banking by the members of self-help groups in India. The study is the first-ever study to measure the indirect impact of trust on the intention to use online banking by the members of self-help groups in India This study has far-reaching implications for policymakers and banks. To increase the adoption of online banking, it is important to allay the fears of security among the members of self-help groups in India.

This study examined the determinants of domestic savings mobilization among the rural poor in Uasin-Gishu county, Kenya. The general notion is that the subsistence farmers are too poor to save. This seems to be unfounded given the fact that they are general excluded from formal financial services and studies on poverty in the country show that the average propensity of the rural households to save is higher than the national average. What are the factors which motivate small scale farmers to save? The study was conducted on 446 table banking groups under the aegis of JOYWO, a table banking grouping in Kenya. Data was collected using structured questionnaires from members of groups under the umbrella of JOYWO. The findings of the study indicates that household income had a positive and significant effect on savings mobilization while dependency ratio had a negative and significant effect on savings mobilization. Household size was not significant. The results point to the need to expose the rural poor to informal savings and financing models expected to enhance income generating capabilities of the rural poor and lower the level dependency through government welfare funding for senior citizens and essential services for the young.

As the demand for a more sustainable society increases, adopting a sustainable banking approach serves as a competitive advantage for banks that are focused on attaining bank loyalty. This study revolves around understanding the role of sustainable banking practices on bank loyalty, while exploring the mediating effect of corporate image in the relationship between sustainable banking practices and bank loyalty. 511 data derived from customers of the banking sector was adopted for this study. Result from the structural equation modeling shows that sustainable banking practices positively and directly affects bank loyalty and corporate image, corporate image directly and positively affect bank loyalty, and also mediates in the relationship between sustainable banking practices and bank loyalty.

This analyses the impact of competition on liquidity creation in the banking industry of the United States. For the purposes of this paper panel data of US banks for the period of 1976-2000 is chosen as a sample. The plausible endogeneity issue is addressed by employing instrumental variables and then implementing two stages least squares method. Besides this, crisis period of 1990-1992 is also analyzed to compare effect with in “normal times”. The results show that decrease in the level of competition negatively affects the liquidity creation ability of banks in the US and this impact is even more negative during the crisis period.

This report is on online banking and information systems in online banking. It throws some light on the introduction and historical background of online banking. Next, in this term report online banking information is explained in detailed. We collected a few articles, related to internet banking, on which other researchers have worked. Then further we have brief them into a table where we have mentioned their problems and limitations. Next, we discussed them in detail, giving an overview of each article. Lastly, recommendations for the online banking sectors are also mentioned.

Islamic banks (IBs) have been criticized as not being genuinely Islamic, and the methods in measuring their performances have been debatable. While the literature on IBs performance has been emerging, such studies precisely assess its recent development remains absent. Therefore, we aim to evaluate the development of scholarly articles that measure IBs’ performances. We employ bibliometric analysis and sample related articles from the Scopus database. We find that the development of IBs performance literature may be understood by 111 peer-reviewed journal articles, 4 conference papers, 1 book, and 1 book series. We analyze these materials based on publication sources, country and institution affiliation, keywords association, and cluster dendrogram. Our model that quantifies the keywords association and cluster dendrogram provides a novelty in assessing IBs performance literature development. Future studies may replicate our model to cluster and identify the keyword associations from the unstructured data sources.

The following article analyses the relationship between Non-Performing Loans and innovation systems at a global level. The analysed data were obtained from the World Bank and the Global Innovation Index for the period 2013-2022 for 149 countries. The analysis was conducted using clustering with the k-Means algorithm, optimized with the Silhouette coefficient and the Elbow method. Subsequently, econometric analysis was carried out using panel data with Random Ef-fects and Fixed Effects. The clustering results show that the optimal number of clusters is three. The econometric analysis highlights the positive relationship between Non-Performing Loans, the exports of cultural and creative services, and the Innovation Input Sub-Index. The results also show the negative relationship between Non-Performing Loans, the H-Index, and the exports and imports of ICT services.

In recent years, the digital economy has played an increasingly important role in enhancing productivity, fostering growth, and facilitating the emergence of digital banking. With the widespread adoption of digital financial services for financial inclusion, the banking sector is experiencing a demand for digital transformation. It is important to note that despite the many advantages of this change, it also disrupts the familiar banking experience that customers have grown to expect, as well as introducing potential risks to maintaining customer protection at previous levels. Many critics have raised concerns regarding customer protection and potential exposure to various risks that may arise from digital financial services, which may result in both financial and non-financial losses. These risks can impact customer retention as dissatisfied customers may switch to alternative service providers. Additionally, reputation can be affected since merely offering digital financial services may not sufficiently safeguard customers. To remain competitive, financial institutions must deliver a secure experience that aligns with customer expectations while considering economic factors and societal needs. This is why it is essential to comprehend the severity of the risk factors that influence the protection of customers in the realm of digitalized banking services and products. In this study, five factors have been identified that influence customer protection when using digital financial services in Pakistan. Based on the analysis conducted using SmartPLS, it appears that all the factors proposed in this study have a significant and positive impact on the protection of customers. In particular, the information provided remains of paramount importance when it comes to determining the level of protection that a customer is entitled to within digital financial services, followed by responsiveness, privacy, authentication, and encryption mechanisms. Due to these findings, the implementation of enhanced information security management principles becomes imperative for the development and progress of the Pakistani digital banking industry.

This manuscript reviews the relationship between customer perception factors and AI-enabled customer experience in the Ecuadorian banking industry. The study employs a self-designed online questionnaire with five factors for customer perception (convenience in use, personalization, trust, customer loyalty, and customer satisfaction) and two categories for AI-enabled customer experience (AI-hedonic customer experience and AI-recognition customer service). The final valid dataset consisted of 226 questionnaires. The data analyses and the hypotheses tests were done using SPSS 26 and structural equation modeling, respectively. The main findings displayed that all five customer perception factors have a positive and significant effect on AI-enabled customer experience in the Ecuadorian banking industry. Study results are aligned with previous findings from other countries, particularly the banking environment in the United Kingdom, Canada, Nigeria, and Vietnam. The AI techniques involved in the financial sector increase the valuation of customer experience due to AI algorithms recollecting, processing, and analyzing customer behavior. This study contributes with a complete statistical and econometric model for determinants of AI-enabled customer experience. The main restriction of the study is the particular analysis of the most demanded AI financial services (not all services and products are included) and the inexistence of a customer perception index. For upcoming research, the authors recommend performing a longitudinal study using quantitative data to measure the effect of AI-enabled customer experience on the Ecuadorian banks’ performance.

Money launderers prefer to use financial services as the ideal medium to launder. The study aimed to provide an overview of the global AML/CFT regulations, application and how they should evolve in this dynamic environment. To gather more insight, a qualitative study was undertaken with relevant documents analysed. The main findings were: country implementation of the global AML/CFT regulations differed due to political and economic factors amongst others. While the various AML/CFT enforcements done by sampled countries were mainly cease and desist orders and monetary penalties which were publicized; and drawbacks of global AML/CFT regulations centered on application of these regulations and emerging trends. These include among other definitions of money laundering, reference to the three stage of money laundering, link between penalty and violations, technological innovations and regulations paradigm shift, cyber-attacks and data privacy. The study contributes to application and growing body of knowledge in that the advent of technology has resulted in better consumer experiences, new payment platforms, products, and services. However, these innovations have broadened emerging money laundering risks and risks in general to the financial system. Hence the need to conduct research based FATF Recommendations as risk is dynamic and not static.

The global financial crisis of 2008, triggered by the collapse of Lehman Brothers, highlighted a banking system that was widely exposed to systemic risk. The minimization of the systemic risk via a close and detailed monitoring of the entire banking network became a priority. This is a complex and demanding task considering the size of the banking systems: in the US and the EU they include more than 10000 institutions. In this paper, we introduce a methodology which identifies a subset of banks that can: a) efficiently represent the behavior of the whole banking system and b) provide, in the case of a failure, a plausible range of the crisis dispersion. The proposed methodology can be used by the regulators as an auxiliary monitoring tool, to identify groups of banks that are potentially in distress and try to swiftly remedy their problems and minimize the propagation of the crisis by restricting contagion. This methodology is based on Graph Theory and more specifically Complex Networks. We termed this setting a “multivariate Threshold – Minimum Dominating Set” (mT–MDS) and it is an extension of the Threshold – Minimum Dominating Set methodology (Gogas e.a., 2016). The method was tested on a dataset of 570 U.S. banks: 429 solvent and 141 failed ones. The variables used to create the networks are: the total interest expense, the total interest income, the tier 1 (core) risk-based capital and the total assets. The empirical results reveal that the proposed methodology can be successfully employed as an auxiliary tool for the efficient supervision of a large banking network.

The striving for sustainable development has become the goal of actions undertaken not only by representatives of public authorities and institutions representing this sector, but also representatives of private entities who are increasingly recognizing the benefits and sources of long-term development based on the principles and objectives of sustainable development. These are mainly based on the pursuit of synergy in the three basic areas of activities, i.e., in the economic, social, and environmental dimensions as well as in the maintenance of natural resources. The implementation of these activities is connected with the necessity of incurring financial expenditures, which the government (public sector) does not have in the required value. Therefore, in the process of sustainable development for which the government is responsible, the active participation of the financial sector (banks) is necessary. Achieving results within the alliance of the concept of sustainable development requires the setting of a kind of contract, the parties of which are the government, society, and financial institutions. The purpose of the conducted research is to indicate by which means the government and the financial sector can stimulate economic growth towards its sustainable development.

The purpose of this study is to bring out a scientometric analysis of the advances of digital transformation in the global banking sector. For this, a background search of the term "Digital Transformation Banking " has been brought out from the Web of Science (Wos) Database, covering records published between 2002 and 2023. A set of 312 publications was identified, which mainly includes a set of 264 academic articles, 29 articles published without cataloging a specific volume of a journal, 9 articles under review, 5 editorial material documents, 4 conference articles, and 1 document is a book chapter. Nowadays the scientific production is low but showing growing development presenting 123 publications and 7,754 citations for the year 2022. Among the scientific production, 43 publications from the Republic of China (8.8%) and 35 publications from Ukraine (7.8%) stand out. ,2%). It is also worth mentioning that the most relevant authors on this topic are Ricardo Palomo, professor and dean of San Pablo University, and Robert J Kauffman, professor at Singapore Management University in terms of influence. Main institutions in terms of scientific production, mainly: the Massachusetts Institute of Technology (MIT) of the United States and the Russian Academy of Sciences of Russia.

The Covid-19 health crisis and its related confinement measures and policies has had a significant impact on the telework adoptions rates, where many businesses were affected abruptly without being prepared, resulting in numerous ad-hoc applications especially while assessing employee’s performance and productivity while working remotely. The difficulties that have emerged with the pandemic have revealed the fragility of the traditional performance appraisal process and the unintentional existence of proximity bias. The Lebanese liquidity crisis is an ongoing financial crisis affecting Lebanon that became fully apparent toward late-2019 when large demonstrations erupted amid acute political instability and economic challenges. In light of the compounded simultaneous occurrence of recurring episodes of COVID-19 outbreaks and the ongoing country’s financial liquidity crisis, the standing of the Lebanese banking sector – who played key roles in the Lebanese economy and were long considered as financially sound and stable – has drastically changed. Faced with such a situation, Lebanese commercial banks started contracting both their branch network and human capital base, and thus they been forced to rethink their human capital strategies by implementing new practices allowing them to adapt to this context of crisis. It is in this perspective that the present research work is inscribed, where we explore the main managerial practices and processes implemented within top Lebanese banks to assess their employee’s performance during the compounded simultaneous crises. A thematic qualitative analysis method of an exploratory nature was adopted, and semi-structured interviews were conducted with senior managers from top Lebanese commercial banks. Results were processed using a deductive approach for themes identifications. Accordingly, it was concluded that in such times of acute crisis, Lebanese banks have altered the purpose of their Performance Appraisal Review (PAR) process and have implicitly or explicitly adopted a Forced Ranking method to primarily focus on retaining just the top performers, while placing those at the bottom on probation with the risk of termination.

Nowadays, many Muslim-majority countries have implemented a dual banking system, namely the sharia and conventional systems. The development of Islamic banks is to fulfill the Muslims' need for the existence of halal transactions in financial institutions. However, in some countries, it turns out that conventional banks still dominate the country's economy. Because of that, it is necessary to see whether there are differences in financial risk and Earnings management between Islamic and conventional banks. The samples are conventional and Islamic banks in Southeast Asia, analyzed by the purposive sampling method from 2010-2019. The analytical tool used is the statistical difference test and economometrics analysis using generalized least square (GLS) regression with panel data (time series and cross-sectional data). These models are intended to forecasting the macroeconomics effects in applying dual banking system in one country or region. The results using non parametrics means difference test showed that the first hypothesis is accepted It means that Earnings management in conventional banks is greater than in Islamic banks. The Random Model Effect (REM) for second and third hypotheses testing on Conventional banks shows the Bankruptcy Risk and NPL do not affect the dependent variable Earnings Management (LLP). While fixed effect model testing on Islamic banks, the second and third hypothesis testing is rejected. Therefor Islamic Banks the value of Bankruptcy Risk (z-score) and the value of Non-Performing Loans (NPL) do not affect Earnings management. It also means that hypothesis 2 and 3 are rejected both in conventional as well as Islamic Banking. Sensitivity analysis for conventional as well as Islamic banking altogether using fixed effect model shows that the second and third hypotheses show that the independent variables (Bankruptcy Risk and NPL) do not affect the dependent variable Earnings Management (LLP). These results can be concluded that Islamic bank are enganged in less earnings management. Therefor in the the long run there are still more research that should conduct in comparing dual banking system in one region.

The main purpose of study is to identify the impact of COVID-19 pandemic on the green financing of banks and non-bank financial institutions (NBFIs) in an emerging economy such as Bangladesh. Also, this study shows the green banking activities of the banks and NBFIs during the pandemic. To analyze the impact of the pandemic on green financing, secondary data were obtained from the quarterly and annual reports of Bangladesh Bank (BB) on green financing as well as the annual reports and websites of 61 banks and 34 NBFIs in Bangladesh for the period 2021–2019. Subsequently, the study deployed dependent t-test statistics, growth rate (year-on-year), descriptive statistics, relative percentage changes, and varying tables and graphs to analyze the obtained secondary data. The empirical findings revealed that during the COVID-19 pandemic, there was an increase in green finance for all banks and NBFIs compared to before the epidemic, indicating that the pandemic had no negative impact on the total green finance growth of all banks and NBFIs. On the other hand, compared to the pre-pandemic period, bank-wise growth in green financing was higher for state-owned commercial banks (SOCBs), specialized banks (SDBs), and private commercial banks (PCBs) but lower for foreign-owned commercial banks (FCBs) during the COVID-19 epidemic. This suggests that the pandemic does not affect the expansion of green finance by SOCBs, SDBs and PCBs but significantly impacted the growth of green financing by FCBs. Furthermore, the research findings showed that the total outstanding and classified loans within the green finance investment decrease for both banks and NBFIs during the COVID-19 pandemic. The results indicated that the Bangladeshi banks’ level of automation towards green banking were satisfactory during the pandemic. Therefore, major policy implications for the green economic recovery by the government, BB, and managers of the banks and financial institutions in emerging economies like Bangladesh were discussed.

This paper explores the critical role of the banking sector in facilitating the ecological transition through the integration of ESG (Environmental, Social, and Governance) factors. By analyzing the intersection of ESG considerations and access to credit globally, the study highlights how banks can catalyze sustainable investments while balancing financial risks. Using a systematic literature review and k-Means clustering analysis, we assess the global landscape of credit access, emphasizing the implications of ESG adoption on financial stability and economic growth. The findings suggest that while ESG integration presents challenges, it offers significant opportunities for banks to enhance their competitiveness and foster resilient financial systems. The paper concludes by proposing policy recommendations aimed at improving the incorporation of ESG factors within credit risk management and promoting sustainable finance.

One of the fastest growing customer service delivery platforms is online banking. However, the increasing number of attacks on online banking platforms is driving the banks to constantly review their security. This study developed an enhanced Multi-factor authentication scheme with a track and trace capability to reduce these threats. Five modalities of authentication were incorporated in the proposed scheme: The traditional username, password, personal identification number (PIN) and one-time PIN (OTP), augmented with fingerprints or facial scans, registered smart devices, and a time locked user's location. One of the scheme's most impressive accomplishments is its capacity to seamlessly detect undesired activities and send alerts in the form of secretly obtained photographs and location triangulation.

The current global financial sector is dedicated to providing customers with more advanced and strategic services. With channels like internet banking, mobile phone banking, and telephone banking, the industry delivers multi-channel banking services to satisfy its clients. The COVID-19 pandemic has directly impacted the global economy, as well as the financial sector, with the banking sector facing lockdown initiatives to curb the virus's spread. As a result, mobile payment methods have been favored by people over physical money for transactions. This study analyzes the factors that influenced mobile banking usage during the pandemic in Sri Lanka.. Convenience sampling was used, comprising of 200 online questionnaires conducted among customers in Sri Lanka. The collected data was analyzed using descriptive analysis, exploratory factor analysis, and multiple linear regression through IBM SPSS 25. Research findings revealed that trust and risk were significant factors affecting mobile banking usage in Sri Lanka. Trust had a positive effect while Risk negatively effects to the mobile banking usage. Ease of use and Usefulness were irrelevant factors during the COVID-19 pandemic in Sri Lanka.

Concept sustainable of banking is based on principle realization growth and profit for the bank and shareholders, but only with achievement social goals, as and care for conservation life environment. Providing new ones banking service and creation new ( green ) banking jobs, except for _ profitable, they achieve and spreads social and ecological goals, chances are with creation competitive advantages, both in countries Western Balkans observed in the work, so and in all countries of the world In this one work we will focus on analysis macroeconomic parameters in countries Western Balkans works tests influence selected indicators on performance banking system, with special in retrospect on social and component protection life environment. The results indicate that rate unemployment the most significant indicator potentially risky events for bankers, as and banks they are not recognized in national conservation strategies _ life environment which are in WB countries currently on strength. Accordingly, the former is necessary to carry out education foreign affairs, and in parallel to promote green loans like they live and in the long term more favorable of traditional loans, with update the existing one regulatory frame in the domain protection life environment.

This paper analyzes the potential strategies for a bank merger from a Sustainable Development Goals (SDG) perspective, focusing on three key criteria: profitability, market share, and service quality. In the short-term, the merged bank should prioritize optimizing financial performance through cost management, revenue stream identification, and risk management practices. Market share expansion can be achieved through targeted customer acquisition and retention efforts, market research, and competitive analysis. Service quality can be enhanced through improved customer service, efficient complaint resolution processes, and leveraging technology. These short-term plans align the merged bank's operations with the identified criteria and promote responsible banking practices that contribute towards the SDGs. In the long-term, the merged bank should focus on diversifying revenue streams, expanding its customer base, and optimizing cost structure. Long-term strategies should include establishing a strong brand presence, customer loyalty programs, and continuous improvement in service quality. The paper emphasizes the importance of monitoring progress, making necessary adjustments, and aligning with SDGs for sustained profitability and long-term success in the marketplace. The findings of this study provide valuable insights for banks considering a merger and highlight the significance of considering SDGs in their strategic planning.

This study investigates how customers’ technological readiness affects service quality and the adoption of self-service banking by developing an empirical model. The model was proposed to explore the relationships between technology readiness, self-service quality, and customer satisfaction. The hypotheses and stability of the model were tested using structural equation modeling. The findings revealed that technology readiness, including the optimism, innovation, and insecurity dimensions, had a significant positive impact on self-service quality. In addition, service quality fully mediated the relationship between technological readiness and customer satisfaction. These results suggest that when customers are ready to embrace and use new technology, their evaluation of service quality is high. Thus, bank managers should drive customer perceptions of the quality of self-service banking by improving their technological readiness through various measures. Furthermore, based on the mediating effect of self-service quality, banks must be aware that improving service quality can enhance customer satisfaction and maintain a competitive advantage.

This paper aims to provide an evaluation of how Value Added Tax (VAT) policy alterations influence market liquidity, trading volume, and stock performance. To fill the existing literature gap on the direct effect of (VAT) adjustments on stock market dynamic, particulate within the banking industry. The study employs an event study methodology to analyse the immediate and medium-term effects on bank stocks listed in markets subject to a (VAT) adjustments. The core of the study analysis is anchored around two pivotal events, the initial application of (VAT) on 1st January 2018, and the subsequent (VAT) increase to 15% on 1st July 2020 using MATLAB R2022b. The study analysis encompasses the period immediately before and after the introduction and subsequent increase (VAT) in kingdom Saudi Ariba (KSA) employing an eleven sample comprises the (KSA) largest banks with a ±7 days window period from the event. The analysis revels that the imposition of 5% (VAT) lead a substation downturn in trading volume and stock returns of 9.5%, and 39.5%, subsequently. While when the (VAT) was increased by 15% the market exhibited a mixed but ultimately positive response of 3.3% trading volumes increases and 128.7% average stock return recovery.

Fintech facilitates financial inclusion by introducing new sustainable and accessible business models in developing countries. Open banking API technology is used by various fintech businesses in both developing and developed countries, with varying effects on financial markets. It changes the financial market distribution structure by separating financial product manufacturing and distribution and intensifying competition between traditional financial institutions and fintech companies. Fintech companies innovate by using this tool to create new business models. In December 2019, Korea established a standardized "open banking API platform," sharing an interbank payment network with fintech companies. It has since shown explosive growth, surpassing the trading volume of the UK, the country that introduced open banking APIs for the first time. This study analyzes new business models fintech companies created using this API technology. Based on existing literature, statistics from the platform operator (the Korea Financial Telecommunications and Clearings Institute), and investigations of 30 Korean fintech mobile applications, this study analyzes new fintech business models that provide financial services using this platform. These companies create sustainable business models by combining multiple APIs. Four representative business models (simple funds transfer, simple payment, cross-border remittance, and asset management) are analyzed to reveal how fintech companies create business models with open APIs.

This study examines the integration of Environmental, Social, and Governance (ESG) factors into global banking practices and their impact on financial stability, measured by the Bank to Capital Asset Ratio. Through a comprehensive literature review and data analysis, the paper highlights the dual role of banks as catalysts for ESG investment and risk managers. It discusses the challenges and opportunities in transitioning to ESG-aligned business models, emphasizing the importance of regulatory frameworks and risk management approaches. The findings suggest that ESG integration enhances bank stability and competitiveness, contributing to sustainable economic development. The paper concludes with policy implications and recommendations for further integration of ESG factors into banking governance.

In recent years, more and more health data are being generated. These data come not only from professional health systems, but also from wearable devices. All these data combined form ‘big data’ that can be utilized to optimize treatments for each unique patient (‘precision medicine’). To achieve this precision medicine, it is necessary that hospitals, academia and industry work together to bridge the ‘valley of death’ of translational medicine. However, hospitals and academia often have problems with sharing their data, even though the patient is actually the owner of his/her own health data, and the sharing of data is associated with increased citation rate. Academic hospitals usually invest a lot of time in setting up clinical trials and collecting data, and want to be the first ones to publish papers on this data. The idea that society benefits the most if the patient’s data are shared as soon as possible so that other researchers can work with it, has not taken root yet. There are some publicly available datasets, but these are usually only shared after studies are finished and/or publications have been written based on the data, which means a severe delay of months or even years before others can use the data for analysis. One solution is to incentivize the hospitals to share their data with (other) academic institutes and the industry. Here we discuss several aspects of data sharing in the medical domain: publisher requirements, data ownership, support for data sharing, data sharing initiatives and how the use of federated data might be a solution. We also discuss some potential future developments around data sharing.

The rapid technological progress has ushered in a new era of human-computer interaction, where the distinction between the physical and virtual realms is becoming increasingly blurred. This research paper explores the profound and multifaceted intersection of Human-Data Interaction (HDI) and Data Virtualization (DV), examining how emerging technologies can significantly enhance the exploration, comprehension, and utilization of complex, multidimensional data sets. Informed by the insights gleaned from prior research in this domain , the present study delves into the potential of DV techniques to improve HDI, with a particular focus on three experimental investigations conducted within the realms of education, healthcare, and retail. The findings reveal the benefits and potential challenges associated with the implementation of DV in these diverse contexts, offering valuable guidance for the design and development of future HDI systems. Drawing upon a diverse array of authoritative sources, this paper presents a holistic, forward-looking perspective on the future of HDI, underscoring the critical role that DV will play in shaping the next generation of human-computer interfaces and facilitating a deeper, more intuitive understanding of the digital world. Furthermore, the paper presents a preliminary framework for integrating HDI principles into standard design practices. This framework outlines key considerations and guidelines to help designers and developers incorporate HDI techniques more effectively into the development of data-driven applications and interfaces.The proposed framework outlines key considerations for enhancing data accessibility and comprehension, empowering users to exercise greater control over their data, and cultivating transparent dialogues between data providers and end-users. By establishing this conceptual foundation, the paper aims to facilitate the seamless integration of HDI principles into standard design practices, ultimately leading to more intuitive, user-centric, and ethically-grounded approaches to data interaction and utilization.

The rapid emergence of Decentralized Finance (DeFi), driven by blockchain technology and smart contracts, is transforming the landscape of the financial industry by enabling peer-to-peer financial services without traditional intermediaries. This paper examines the impact of DeFi on traditional banking systems, focusing on the opportunities, challenges, and future directions of this revolutionary financial model. We explore how DeFi disrupts traditional financial intermediation by offering faster, cheaper, and more transparent financial services, potentially reducing the dominance of conventional banks. The study addresses critical issues such as regulatory challenges, including compliance with Anti-Money Laundering (AML) and Know Your Customer (KYC) requirements, and the importance of consumer protection in a decentralized environment. We also investigate collaboration opportunities between traditional banks and DeFi platforms, which could lead to innovative financial products and services. To provide a comprehensive analysis, the paper employs a mixed-method approach, combining a review of recent literature, empirical data, case studies, and expert interviews. The findings highlight significant gaps in current regulatory frameworks and emphasize the need for a balanced approach that fosters innovation while ensuring financial stability and consumer safety. This study concludes by offering recommendations for policymakers, financial institutions, and DeFi developers to harness the potential of DeFi while addressing its inherent risks, paving the way for the sustainable growth of decentralized finance in the broader financial ecosystem.

The rapid expansion of Bangladesh's financial infrastructure, coupled with the increasing digitization of banking services, underscores the critical importance of cybersecurity. Machine learning and deep learning methodologies have emerged as potent tools in combating cyber threats such as intrusion, malware, and fraud. By harnessing artificial intelligence and data-driven analysis, these techniques enable real-time scrutiny of vast banking data, facilitating proactive defense against cyberattacks. Bangladesh's evolving financial landscape, characterized by governmental digitalization initiatives and a national financial inclusion strategy, heightens the imperative for robust cybersecurity measures. This paper explores the application of machine learning and deep learning techniques in bolstering banking cybersecurity within the context of Bangladesh's burgeoning digital economy.

This research explores the influence of nationality and financial literacy on satisfaction with neobank services among university students. Through a comparative analysis between German and international students, the study unveils that international students exhibit significantly higher satisfaction levels, suggesting that cultural differences and the requirement for international financial services play a crucial role Oishi et al., 1999. Although financial literacy was anticipated to have a strong impact, its effect on satisfaction did not reach statistical significance, indicating a nuanced relationship. This perhaps because the study sample of students partaking in the survey was mostly Graduate students in the field of Economics, Finance and Management. Demographic factors such as gender and age were found to be less influential compared to nationality and financial acumen Gelfand et al., 2011. These findings highlight the importance of tailored financial services and the potential of financial education in enhancing neobank satisfaction Gerrans et al., 2014. The study contributes to the understanding of consumer behavior in digital banking, offering insights for neobanks aiming to improve service adoption and customer loyalty within the university student demographic.

Nowadays, one of the greatest challenges in Data Meshes revolves around detecting and creating Data Domains and Data Products for providing the ability to adapt easily and quickly to changing business needs. This requires a disciplined approach to identify, differentiate and prioritize distinct data sources according to their content and diversity. The current paper tackles this highly com-plicated issue and suggests a standardized approach that integrates the concept of Data Blueprints with Data Meshes. In essence, a novel standardization framework is proposed that creates Data Products using a metadata semantic enrichment mechanism, the latter also offering Data Domain readiness and alignment. The approach is demonstrated using real-world data produced by mul-tiple sources in a poultry meat production factory. A set of functional attributes is used to compare qualitatively the proposed approach against existing data structures utilized in storage architectures with quite promising results. Finally, experimentation with different scenarios varying in data product complexity and granularity suggests successful performance.

With an increasing amount of biological data available publicly, there is a need for a guide on how to successfully download and use this data. The Ten simple rules for using public biological data are: 1) use public data purposefully in your research, 2) evaluate data for your use case, 3) check data reuse requirements and embargoes, 4) be aware of ethics for data reuse, 5) plan for data storage and compute requirements, 6) know what you are downloading, 7) download programmatically and verify integrity, 8) properly cite data, 9) make reprocessed data and models Findable, Accessible, Interoperable, and Reusable (FAIR) and share, and 10) make pipelines and code FAIR and share. These rules are intended as a guide for researchers wanting to make use of available data and to increase data reuse and reproducibility.

Improvements in web platforms for data exchange and trading are creating more opportunities for users to obtain data from data providers of different domains. However, the current data exchange platforms are limited to unilateral information provision from data providers to users. In contrast, there are insufficient means for data providers to learn what kinds of data users desire and for what purposes. In this paper, we propose and discuss the description items for sharing users’ call for data as data requests in the data marketplace. We also discuss structural differences in data requests and providable data using variables, as well as possibilities of data matching. In the study, we developed an interactive platform, treasuring every encounter of data affairs (TEEDA), to facilitate matching and interactions between data providers and users. The basic features of TEEDA are described in this paper. From experiments, we found the same distributions of the frequency of variables but different distributions of the number of variables in each piece of data, which are important factors to consider in the discussion of data matching in the data marketplace.

The study investigated the usage of open data in public organizations, focusing on the motives, preferences, and governance ideals that determine their quality. The study shed light on how open data platforms are created and improved, as well as their influence on government operations. The primary goal was to understand the motivations behind the usage of open data, evaluate gov-ernance ideals, and examine institutions' efforts to standardize data formats. Hierarchical regres-sion analysis divides variables into core reasons and different preferences, demonstrating a need for "diversification" in order to use open data effectively. Efficiency, accountability, community impact, knowledge, and high-quality service delivery are all emphasized in governance value analysis. The institution's dedication to standardizing open data formats is evidenced by legislative measures and the integration of many technologies. The findings illustrate the institution's dual strategy of em-ploying traditional techniques and new technologies for effective data management. The report suggests increasing data openness and standardization, investing in ongoing training, upgrading alerting and awareness systems, and adopting specific regulations for open data use. Monitoring and feedback techniques are critical for adjusting and refining open data services to satisfy de-velopment needs. This study adds to the scientific knowledge of open data use by highlighting important motives, preferences, and governance ideals. The offered guidelines provide practical insights for public organizations looking to improve their open data platforms by promoting openness, efficiency, and community participation.

In the rapidly evolving field of data management, numerous terminologies, such as data warehouse, data lake, data lakehouse, and data mesh , have emerged, each representing a unique analytical data architecture. However, the distinctions and similarities among these paradigms often remain unclear. The present paper aimed to navigate the data architecture landscape by conducting a comparative analysis of these paradigms. The analysis a identified and elucidated the differences and similari- ties in features, capabilities, and limitations of these architectural constructs. The study outcome serves as a comprehensive guide, assisting practitioners in selecting the most suitable analytical data architecture for their specific applications.

This report provides a comprehensive analysis of portfolio risk management using Value at Risk (VaR) for a banking sector investment portfolio. We evaluate a portfolio composed of SBI, HDFC, Axis Bank, and ICICI Bank, using historical data from July 1, 2023, to June 30, 2024. The report covers the calculation of VaR, portfolio variance, and standard deviation, highlighting the impact of different weightage adjustments on the portfolio’s risk profile. Two scenarios—one with increased weightage in SBI and another with increased weightage in HDFC—demonstrate how changes in asset allocation affect potential losses. The findings emphasize the importance of strategic asset allocation for both speculators and hedgers. Speculators are advised to focus on high volatility and market trends, while hedgers should prioritize stability and risk management. This analysis aids investors in making informed decisions to balance risk and return in their banking sector investments.

The study investigates the determinants of mobile Internet banking adoption among Gen-Y in Malaysia. Align the issue of the study and research objectives, and the study underpinned Technology Acceptance Model (TAM) as the main guideline or a blueprint to analyze the research model. The study applied survey research design and analyzed using Structural Equation Modelling (SEM) under the PLS-SEM technique with SmartPLS 2.0. A total of 358 mobile internet banking users in Malaysia were random proportional selected as respondents and analyzed. Results from the partial least square structural equation modeling (PLS-SEM) revealed that perceived ease of use, perceived usefulness, facilitating condition, and personal innovativeness in IT have significantly influenced the attitude of mobile internet banking adoption in Malaysia. Additionally, perceived ease of use and facilitating conditions found to have a significant influence on the perceived usefulness of Mobile Internet Banking. Lastly, facilitating conditions and personal innovativeness in IT are significantly influence the perceived ease of use of mobile internet banking among Gen-Y in Malaysia

Data Meshes is an approach to data architecture and organization that treats data as a product and focuses on decentralizing data ownership and access. It has recently emerged as a field that presents quite a few challenges related to data ownership, governance, security, monitoring, and observability. To address these challenges, this paper introduces an innovative algorithmic framework leveraging data blueprints to enable the dynamic creation of Data Meshes and Data Products in response to user requests, ensuring that stakeholders will have access to specific portions of the Data Mesh as needed. Ownership and governance concerns are addressed through a unique mechanism involving Blockchain and Non-Fungible Tokens (NFTs). This facilitates secure and transparent transfer of data ownership, with the ability to mint time-based NFTs. By combining these advancements with the fundamental tenets of Data Meshes, this research offers a comprehensive solution to the challenges surrounding data ownership and governance. It empowers stakeholders to navigate the complexities of data management within a decentralized architecture, ensuring a secure, efficient, and user-centric approach to data utilization. The proposed framework is demonstrated using real-world data from a poultry meat production factory.

As the digital transformation accelerates in our society, open data is being increasingly recognized as a key resource for digital innovation in the public sector. This study explores the following two research questions: 1) Can a machine learning approach be appropriately used for measuring and evaluating open data utilization? 2) Should different machine learning models be applied for measuring open data utilization depending on open data attributes (field and usage type)? This study used single-model (Random Forest, XGBoost, LightGBM, CatBoost) and multi-model (Stacking Ensemble) machine learning methods. A key finding is that the best-performing models differed depending on open data attributes (field and type of use). The applicability of the machine learning approach for measuring and evaluating open data utilization in advance was also confirmed. This study contributes to open data utilization and to the application of its intrinsic value to society.

The proposed method deals with the problem of data privacy and sharing when processing personal mobility tracking data. Previous methods concentrate on producing highly detailed data on short-term and restricted areas, e.g. for autonomous driving scenarios. Another possibility consists of city-wide scales and beyond, that are used to predict general traffic flows. The presented approach takes the tracked mobility behavior of individuals to create coherent new mobility data that reflects the long-term mobility behavior of the person, guaranteeing location persistency and sound embedding within the point-of-interest structure of the observed area. After an analysis and clustering step with the original data, the area is distributed into a geospatial grid structure (H3 is used here), and the neighborhood relationships between the grids are interpreted as a graph. A feed-forward-autoencoder and a graph encoding-decoding network generate a latent space representation of the area. The original clustered data is associated with their respective H3 grids. With a greedy algorithm approach and concerning privacy strategies, new combinations of grids are top-level patterns for individual mobility behavior. Concrete locations are found and connected within the grids based on the original data. The described method is then applied to a study with 1000 participants from the city of Munich in Germany, and the results are described, showing the application of the approach in generating synthetic data, enabling further research on individual mobility behavior and patterns. The result is a sharable dataset on the same abstraction level as the input data, which makes it interesting, particularly for machine learning applications.

Network effects, economies of scale, and lock-in-effects increasingly lead to a concentration of digital resources and capabilities, hindering the free and equitable development of digital entrepreneurship (SDG9), new skills, and jobs (SDG8), especially in small communities (SDG11) and their small and medium-sized enterprises (“SMEs”). To ensure the affordability and accessibility of technologies, promote digital entrepreneurship and community well-being (SDG3), and protect digital rights, we propose data cooperatives [1,2] as a vehicle for secure, trusted, and sovereign data exchange [3,4]. In post-pandemic times, community/SME-led cooperatives can play a vital role by ensuring that supply chains to support digital commons are uninterrupted, resilient, and decentralized [5]. Digital commons and data sovereignty provide communities with affordable and easy access to information and the ability to collectively negotiate data-related decisions. Moreover, cooperative commons (a) provide access to the infrastructure that underpins the modern economy, (b) preserve property rights, and (c) ensure that privatization and monopolization do not further erode self-determination, especially in a world increasingly mediated by AI. Thus, governance plays a significant role in accelerating communities’/SMEs’ digital transformation and addressing their challenges. Cooperatives thrive on digital governance and standards such as open trusted Application Programming Interfaces (APIs) that increase the efficiency, technological capabilities, and capacities of participants and, most importantly, integrate, enable, and accelerate the digital transformation of SMEs in the overall process. This policy paper presents and discusses several transformative use cases for cooperative data governance. The use cases demonstrate how platform/data-cooperatives, and their novel value creation can be leveraged to take digital commons and value chains to a new level of collaboration while addressing the most pressing community issues. The proposed framework for a digital federated and sovereign reference architecture will create a blueprint for sustainable development both in the Global South and North.

The scientific community has long benefited from the opportunities provided by data reuse. Recognizing the need to identify the challenges and bottlenecks to reuse in the agricultural research community and propose solutions for them, the data reuse working group was started within the AgBioData consortium (https://www.agbiodata.org/) framework. Here, we identify the limitations of data standards, metadata deficiencies, data interoperability, data ownership, data availability, user skill level, resource availability, and equity issues, with a specific focus on agricultural genomics research. We propose possible solutions stakeholders could implement to mitigate and overcome these challenges and provide an optimistic perspective on the future of genomics and transcriptomics data reuse.

To gain insight into the real-life care of patients in the healthcare system, data from hospital information systems and insurance systems are required. Consequently, linking clinical data with claims data is necessary. To ensure their syntactic and semantic interoperability, the Observational Medical Outcomes Partnership (OMOP) Common Data Model (CDM) was chosen. However, there is no detailed guide that would allow researchers to follow a consistent process for data harmonization. Thus, the aim of this paper is to conceptualize a generic data harmonization process for OMOP CDM. For this purpose, we conducted a literature review focusing on publications that address the harmonization of clinical or claims data in OMOP CDM. Subsequently, the process steps used and their chronological order were extracted for each included publication. The results were then compared to derive a generic sequence of the process steps. From 23 publications included, a generic data harmonization process for OMOP CDM was conceptualized, consisting of nine process steps: dataset specification, data profiling, vocabulary identification, coverage analysis of vocabularies, semantic mapping, structural mapping, extract-transform-load-process, qualitative and quantitative data quality analysis. This process can be used as a step-by-step guide to assist other researchers in harmonizing source data in OMOP CDM.

Context: Despite the effort put into developing standards for structuring construction cost, and the strong interest into the field. Most construction companies still perform the process of data gathering and processing manually. That provokes inconsistencies, different criteria when classifying, misclassifications, and the process becomes very time-consuming, particularly on big projects. Additionally, the lack of standardization makes very difficult the cost estimation and comparison tasks. Objective: To create a method to extract and organize construction cost and quantity data into a consistent format and structure, to enable rapid and reliable digital comparison of the content. Method: The approach consists of a two-step method: Firstly, the system implements data mining to review the input document and determine how it is structured based on the position, format, sequence, and content of descriptive and quantitative data. Secondly, the extracted data is processed and classified with a combination of data science and experts’ knowledge to fit a common format. Results: A big variety of information coming from real historical projects has been successfully extracted and processed into a common format with 97.5% of accuracy, using a subset of 5770 assets located on 18 different files, building a solid base for analysis and comparison. Conclusion: A robust and accurate method was developed for extracting hierarchical project cost data to a common machine-readable format to enable rapid and reliable comparison and benchmarking.

The rising importance of Big Data in modern information analysis is supported by vast quantities of user data, but it is only possible to collect sufficient data for all tasks within certain data-gathering contexts. There are many cases where a domain is too novel, too niche, or too sparsely collected to adequately support Big Data tasks. To remedy this, we have created ADG Engine that allows for the generation of additional data that follows the trends and patterns of the data that’s already been collected. Using a database structure that tracks users across different activity types, ADG Engine can use all available information to maximize the authenticity of the generated data. Our efforts are particularly geared towards data analytics by identifying abnormalities in the data and allowing the user to generate normal and abnormal data at custom ratios. In situations where it would be impractical or impossible to expand the available dataset by collecting more data, it can still be possible to move forward with algorithmically expanded data datasets.

Large datasets that enable researchers to perform investigations with unprecedented rigor are growing increasingly common in neuroimaging. Due to the simultaneous increasing popularity of open science, these state-of-the-art datasets are more accessible than ever to researchers around the world. While analysis of these samples has pushed the field forward, they pose a new set of challenges that might cause difficulties for novice users. Here, we offer practical tips for working with large datasets from the end-user’s perspective. We cover all aspects of the data life cycle: from what to consider when downloading and storing the data, to tips on how to become acquainted with a dataset one did not collect, to what to share when communicating results. This manuscript serves as a practical guide one can use when working with large neuroimaging datasets, thus dissolving barriers to scientific discovery.

We have estimated the level of Risk Weighted Assets among 30 countries in Europe, in 30 trimesters, using data of the European Banking Authority-EBA of 139 variables. We perform an econometric model using Pooled OLS, Panel Data with Fixed Effects, Panel Data with Random Effects, Weighted Least Squares. We found that Risk Weighted Assets is negatively associated, among others, to the level of NFC loans in mining and quarrying, in public administration and defence, and in financial and insurance activities and positively associated, among others to distribution of NFC loans in human health services and social work activities, in education and the level of net fee and commission income. Furthermore, we apply a cluster analysis with the k-Means algorithm, and we find the presence of two clusters. A comparison was then made between eight different machine learning algorithms for predicting the value of the RWAs and we found that the best predictor is the linear regression. The RWA value is predicted to increase by 1.5%.

This is a quantitative research based on secondary sources of data. The study examines the influence of Chief Executive Officer’s (CEO) compensation on a firm's performance. The objectives of the study were to determine if CEO compensation and firm size do significantly influence a firm’s performance. In other to elicit information to examine the relationship between the variables, the convenience sampling technique, with the combination of both the cross-sectional and time-series data (panel data) were used since they provide greater precision and guard against having an illusory sample. 10 banks quoted on the Nigerian Stock Exchange were sampled for easy accessibility of data. The least square regression technique was used to test the hypotheses of the study. Two hypotheses were tested using panel least square (EViews 8) and from the research work, we summarize the following results; there is a significant relationship between CEO compensation and firm performance in the Nigerian banking industry. In addition, firm size does significantly influence firm performance in the Nigerian banking industry. The study recommends that there should be proper compensation review as this will increase the productivity of the executives. Since increased pay is necessary for the efficiency of the workers, it is advised to ensure a considerable pay as this will ensure for efficiency in the organization. In addition, since the core goal of setting up any business is to make a profit, business organisations should sort out ways at maximising profit and this could include cutting down expenses such as cutting down excessive employees’ pay (CEOs pay especially) and setting apposite pay package for employees. Therefore, policymakers (board of directors) should make an effort to align CEO’s paywith the firm’s capability to pay.

Despite the demonstrated benefits of data monetization initiatives in achieving competitive advantages, many of these efforts struggle to realize their potential. Companies often find it challenging to sustain even initially successful data monetization initiatives due to significant data quality issues. This reflects a disconnect between advancements in data monetization research—spanning digitization, digitalization, and digital transformation—and practical implementation within companies. Consequently, misguided approaches to data monetization are relatively common. A critical prerequisite for successful data monetization is the establishment and maintenance of clean, high-quality data. This study underscores the importance of data quality by conducting an in-depth analysis of Medical Inc., a company engaged in preparing pristine customer master data for advanced customer analytics. The investigation aims to elucidate Medical Inc.’s approach to addressing data cleanliness challenges and to distill a general framework for the customer master data cleansing process. This framework illuminates a relatively unexplored aspect of data monetization supplementing existing literature on digitization, digitalization, and digital transformation.

Modern experimental astroparticle physics features large-scale setups measuring different messengers, namely high-energy particles generated by cosmic accelerators (e.g. supernova remnants, active galactic nuclei, etc): cosmic and gamma rays, neutrinos and recently discovered gravitational waves. Ongoing and future experiments are distributed over the Earth including ground, underground/underwater setups as well as balloon payloads and spacecrafts. The data acquired by these experiments have different formats, storage concepts and publication policies. Such differences are a crucial issue in the era of big data and of multi-messenger analysis strategies in astroparticle physics. We propose a service ASTROPARTICLE.ONLINE in the frame of which we develop an open science system which enables to publish, store, search, select and analyse astroparticle physics data. The cosmic-ray experiments KASCADE-Grande and TAIGA were chosen as pilot experiments to be included in this framework. In the first step of our initiative we will develop and test the following components of the full data life cycle concept: (i) describing, storing and reusing of astroparticle data; (ii) software for performing multi-experiment and multi-messenger analyses like deep-learning methods; (iii) outreach including example applications and tutorial for students and scientists outside the specific research field. In the present paper we describe the concepts of our initiative, and in particular the plans toward a common, federated astroparticle data storage.

As of 2020, public data for game ratings provided by Game Ratings And Administration Committee(GRAC) are more limited than public data for movie and video ratings provided by Korea Media Ratings Board and do not provide data which allow us to see information on ratings clearly and in detail. To get information on game ratings, we need to find information by searching for specific target on homepage which is inconvenient for us. In order to improve such inconvenience and extend scope of provision in public data, the author of this paper intends to study public data API which has been extended based on information on video ratings. To draw items to be extended, this study analyzes data for ratings on homepage of GRAC and designs collection system to build database. This study intends to implement system that provides data collected based on extended public data items in a form which users want. This study is expected to provide information on ratings to GRAC which will strengthen fairness and satisfy game users and people’s rights to know and contribute to promotion and development of game industry.

The study was conducted on applying machine learning and data mining methods to personalizing the treatment. This allows investigating individual patient characteristics. Personalization is built on the clustering method and associative rules. It was suggested to determine the average distance between instances for optimal performance metrics finding. The formalization of the medical data pre-processing stage for finding personalized solutions based on current standards and pharmaceutical protocols is proposed. The model of patient data is built. The paper presents the novel approach to clustering built on ensemble of cluster algorithm with better than k-means algorithm Hopkins metrics. The personalized treatment usually is based on decision tree. Such approach requires a lot of computation time and cannot be paralyzed. Therefore, it is proposed to classify persons by conditions, to determine deviations of parameters from the normative parameters of the group, as well as the average parameters. This made it possible to create a personalized approach to treatment for each patient based on long-term monitoring. According to the results of the analysis, it becomes possible to predict the optimal conditions for a particular patient and to find the medicaments treatment according to personal characteristics.

To compare concentrations of endogenous N-acylethanolamines (NAEs) lipid mediators pal-mitoylethanolamide (PEA), oleoylethanolamide (OEA), and anandamide (AEA) in fresh, decon-taminated, cryopreserved and freeze-dried amniotic membrane (AM) allografts. Thereby deter-mining whether AM's analgesic and anti-inflammatory efficiency related to NAEs persists during storage. The concentrations of NAEs were measured using ultra-high-performance liquid chro-matography-tandem mass spectrometry. Indirect fluorescent immunohistochemistry was used to detect the PEA PPARα receptor. The concentrations of PEA, OEA, and AEA were significantly higher after decontamination. A significant decrease was found in cryopreserved AM compared to decontaminated tissue for PEA but not for OEA and AEA. However, significantly higher val-ues for all NAEs were detected in cryopreserved samples compared to fresh tissue before decon-tamination. The freeze-dried AM had similar values to decontaminated AM with no statistically significant difference. The nuclear staining of PPARα receptor was clearly visible in all specimens. The stability of NAEs in AM after cryopreservation was demonstrated under tissue bank storage conditions. However, a significant decrease, but still higher concentration of PEA compared to fresh not decontaminated tissue was found in cryopreserved, but not frieze-dried AM. Results in-dicate that NAEs persist during storage in levels sufficient for the analgesic and anti-inflammatory effects of AM allografts.

Data spaces are a relatively recent concept for a trusted and secure distributed data ecosystem through which to exchange resources in the Web. Several different efforts are currently being made to define guidance toward data space implementation, with some initiatives and organizations providing solutions and standards that address interoperability and good data exchange practices, especially in the domain of geospatial information. Geospatial Use Cases often require effective and high-quality data sharing between systems dealing with different aspects of real-world objects. However, the different solutions proposed do not yet provide a common interoperability framework with mature implementation options. This gap between concept and implementation risks confusing users and developers, instead of reciprocally strengthening the respective data spaces' infrastructures and capabilities. This paper reviews and compares some of the proposed solutions, providing mapping and integration of these blueprints to available interoperability standards. This concrete mapping is designed to support effective practical implementation of data spaces, and to guide future solutions developments.

Intellecta dataset emerges as an innovative synthetic dataset, engineered to enhance the cognitive processing capabilities of contemporary language models. With a composition of 11.53 billion tokens, integrating 8.01 billion tokens of synthetic data with 3.52 billion tokens of rich textbook data, Intellecta is crafted to foster advanced reasoning and comprehensive educational narrative generation. Leveraging the Mixtral-8x7B-Instruct-v0.1 model, the dataset facilitates the generation of complex thought processes and detailed, textbook-style explanations, thus enabling language models to engage in both critical thinking and profound educational discourse. This hybrid dataset stands as a testament to the potential of synthetic data in pushing the boundaries of AI, offering a repository that is not only vast and varied but also refined to align with ethical standards and intellectual rigor.

In the coming years, digital applications and services that continue to use the country's native cloud systems will be huge. By 2023, that will exceed 500 million, according to IDC. This corresponds to the sum of all applications developed in the last 40 years. If you are the one you answered, yes! This article is for you!

This manuscript describes the construction and validation of high resolution daily gridded (0.05° × 0.05°) rainfall and maximum and minimum temperature data for Bangladesh : the Enhancing National Climate Services for Bangladesh Meteorological Department (ENACTS-BMD) dataset. The dataset was generated by merging data from weather stations, satellite products (for rainfall) and reanalysis (for temperature). ENACTS-BMD is the first high-resolution gridded surface meteorological dataset developed specifically for studies of surface climate processes in Bangladesh. Its record begins in January 1981 and is updated in real-time monthly and outputs have daily, decadal and monthly time resolution. The Climate Data Tools (CDT), developed by the International Research Institute for Climate and Society (IRI), Columbia University, is used to generate the dataset. This data processing includes the collection of weather and gridded data, quality control of stations data, downscaling of the reanalysis for temperature, bias correction of both satellite rainfall and downscaled reanalysis of temperature, and the combination of station and bias-corrected gridded data. The ENACTS-BMD dataset is available as an open-access product at BMD’s official website, allowing the enhancement of the provision of services, overcoming the challenges of data quality, availability, and access, promoting at the same time the engagement and use by stakeholders.

The implementation of the European Cohesion Policy aiming at fostering regions competitiveness, economic growth and creation of new jobs is documented over the period 2014–2020 in the publicly available Open Data Portal for the European Structural and Investment funds. On the base of this source, this paper aims at describing the process of data mining and visualization for information production on regional programmes performace in achieving effective expenditure of resouces.

The increasing availability of longitudinal data (repeated numerical observations of same units at different times) requires the development of flexible techniques to automatically detect common errors in such data. Besides obvious and easily identifiable cases, such as missing or out-of-range data, large longitudinal dataset often present problems not easily traceable by the techniques used for generic datasets. In particular, elusive and baffling problems are i) inversion of one or more values from one unit to another; ii) anomalous jumps in the series of values, iii) errors in the timing of the values due to a recalculation operated by the data providers to compensate previous errors. This work proposes a statistical-mathematical approach based on a system of indicators that is able to capture the complexity of the described problems by working at the formal level, regardless of the specific meaning of the data. The proposed approach identifies suspect erroneous data and is applicable in a variety of contexts. We implement this approach in a relevant database of European Higher Education institutions (ETER) by analyzing Total academic staff, that is one of the most important variables, used in empirical analysis as proxy of size and also considered by policy makers at European level.

In the last decade and a half, the world has experienced the outbreak of a range of viruses such as COVID-19, H1N1, flu, Ebola, Zika Virus, Middle East Respiratory Syndrome (MERS), Measles, and West Nile Virus, just to name a few. During these virus outbreaks, the usage and effectiveness of social media platforms increased significantly as such platforms served as virtual communities, enabling their users to share and exchange information, news, perspectives, opinions, ideas, and comments related to the outbreaks. Analysis of this Big Data of conversations related to virus outbreaks using concepts of Natural Language Processing such as Topic Modeling has attracted the attention of researchers from different disciplines such as Healthcare, Epidemiology, Data Science, Medicine, and Computer Science. The recent outbreak of the MPox virus has resulted in a tremendous increase in the usage of Twitter. Prior works in this field have primarily focused on the sentiment analysis and content analysis of these Tweets, and the few works that have focused on topic modeling have multiple limitations. This paper aims to address this research gap and makes two scientific contributions to this field. First, it presents the results of performing Topic Modeling on 601,432 Tweets about the 2022 Mpox outbreak, which were posted on Twitter between May 7, 2022, and March 3, 2023. The results indicate that the conversations on Twitter related to Mpox during this time range may be broadly categorized into four distinct themes - Views and Perspectives about MPox, Updates on Cases and Investigations about Mpox, MPox and the LGBTQIA+ Community, and MPox and COVID-19. Second, the paper presents the findings from the analysis of these Tweets. The results show that the theme that was most popular on Twitter (in terms of the number of Tweets posted) during this time range was - Views and Perspectives about MPox. It is followed by the theme of MPox and the LGBTQIA+ Community, which is followed by the themes of MPox and COVID-19 and Updates on Cases and Investigations about Mpox, respectively. Finally, a comparison with prior works in this field is also presented to highlight the novelty and significance of this research work.

In this paper, we present a method to map information regarding service activity provision residing in governmental portals across European Commission. In order to perform this, we used as a basis the enriched Greek e-GIF ontology, modeling concepts, and relations in one of the two data portals (i.e., Points of Single Contacts) examined, since relevant information on the second was not provided. Mapping consisted in transforming information appearing in governmental portals in RDF format (i.e., as Linked data), in order to be easily exchangeable. Mapping proved a tedious task, since description on how information is modeled in the second Point of Single Contact is not provided and must be extracted in a manual manner.

Background: Observational health data has the potential to be a rich resource to inform clinical practice and regulatory decision making. However, the lack of standard data quality processes makes it difficult to know if these data are research ready. The EHDEN COVID-19 Rapid Col-laboration Call presented the opportunity to assess how the newly developed open-source tool Data Quality Dashboard (DQD) informs the quality of data in a federated network. Methods: 15 Data Partners (DPs) from 10 different countries worked with the EHDEN taskforce to map their data to the OMOP CDM. Throughout the process at least two DQD results were collected and compared for each DP. Results: All DPs showed an improvement in their data quality between the first and last run of the DQD. The DQD excelled at helping DPs identify and fix conformance is-sues but showed less of an impact on completeness and plausibility checks. Conclusions: This is the first study to apply the DQD on multiple, disparate databases across a network. While study-specific checks should still be run, we recommend that all data holders converting their data to the OMOP CDM use the DQD as it ensures conformance to the model specifications and that a database meets a baseline level of completeness and plausibility for use in research.

One of the most remarkable features in the 20th century was the digitalization of technical progress, which changed the output of companies worldwide and became a defining feature of the century. The growth of information technology systems and the implementation of new technical advances, which enhance the integrity, agility and long-term organizational performance of the supply chain, can distinguish a digital supply chain from other supply chains. For example, the Internet of Things (IoT)-enabled information exchange and Big Data analysis might be used to regulate the mismatch between supply and demand. In order to assess contemporary ideas and concepts in the field of data analysis in the context of supply chain management, this literary investigation has been decided. The research was conducted in the form of a comprehensive literature review. In the SLR investigation, a total of 71 papers from leading journals were used. SLR has found that data analytics integrate into supply chain management can have long-term benefits on supply chain management from the input side, i.e., improved strategic development, management and other areas.

During virus outbreaks in the recent past web behavior mining, modeling, and analysis have served as means to examine, explore, interpret, assess, and forecast the worldwide perception, readiness, reactions, and response linked to these virus outbreaks. The recent outbreak of the Marburg Virus disease (MVD), the high fatality rate of MVD, and the conspiracy theory linking the FEMA alert signal in the United States on October 4, 2023, with MVD and a zombie outbreak, resulted in a diverse range of reactions in the general public which has transpired in a surge in web behavior in this context. This resulted in “Marburg Virus” featuring in the list of the top trending topics on Twitter on October 3, 2023, and “Emergency Alert System” and “Zombie” featuring in the list of top trending topics on Twitter on October 4, 2023. No prior work in this field has mined and analyzed the emerging trends in web behavior in this context. The work presented in this paper aims to address this research gap and makes multiple scientific contributions to this field. First, it presents the results of performing time series forecasting of the search interests related to MVD emerging from 216 different regions on a global scale using ARIMA, LSTM, and Autocorrelation. The results of this analysis present the optimal model for forecasting web behavior related to MVD in each of these regions. Second, the correlation between search interests related to MVD and search interests related to zombies (in the context of this conspiracy theory) was investigated. The findings show that there were several regions where there was a statistically significant correlation between MVD-related searches and zombie-related searches (in the context of this conspiracy theory) on Google on October 4, 2023. Finally, the correlation between zombie-related searches (in the context of this conspiracy theory) in the United States and other regions was investigated. This analysis helped to identify those regions where this correlation was statistically significant.

A distinction is made between data rescue (i.e., copying, digitizing and archiving) and data recovery that implies deciphering, interpreting and transforming early instrumental readings and their metadata to obtain high-quality datasets in modern units. This requires a multidisciplinary approach that includes: palaeography and knowledge of Latin and other languages to read the handwritten logs and additional documents; history of science to interpret the original text, data e metadata within the cultural frame of the 17th, 18th and early 19th century; physics and technology to recognize bias of early instruments or calibrations, or to correct for observational bias; astronomy to calculate and transform the original time in canonical hours that started from twilight. The liquid-in-glass thermometer was invented in 1641 and the earliest temperature records started in 1654. Since then, different types of thermometers were invented, based on the thermal expansion of air or selected thermometric liquids with deviation from linearity. Reference points, thermometric scales, calibration methodologies were not comparable, and not always adequately described. Thermometers had various locations and exposures, e.g., indoor, outdoor, on windows, gardens or roofs, facing different directions. Readings were made only one or a few times a day, not necessarily respecting a precise time schedule: this bias is analysed for the most popular combinations of reading times. The time was based on sundials and local Sun, but the hours were counted starting from twilight. In 1789-90 Italy changed system and all cities counted hours from their lower culmination (i.e., local midnight), so that every city had its local time; in 1866, all the Italian cities followed the local time of Rome; in 1893, the whole Italy adopted the present-day system, based on the Coordinated Universal Time and the time zones. In 1873, when the International Meteorological Committee (IMO) was founded, later transformed in World Meteorological Organization (WMO), a standardization of instruments and observational protocols was established, and all data became fully comparable. In the early instrumental period, from 1654 to 1873, the comparison, correction and homogenization of records is quite difficult, mainly because of the scarcity or even absence of metadata. This paper deals about this confused situation, discussing the main problems, but also the methodologies to recognize missing metadata, distinguish indoor from outdoor readings; correct and transform early datasets in unknown or arbitrary units into modern units; finally, in which cases it is possible to reach the quality level required by WMO. The focus is to explain the methodology needed to recover early instrumental records, i.e., the operations that should be performed to interpret, correct, and transform the original raw data into a high-quality dataset of temperature, usable for climate studies.

In the dynamic arena of healthcare research, where the complexities of data often rival the intricacies of biological systems, the ability to model and analyze such multifaceted datasets is crucial. This comprehensive review delves into the evolution and application of Soft Sets and their extensions, including HyperSoft Sets, SuperHyperSoft Sets, IndetermSoft Sets, IndetermHyperSoft Sets, and TreeSoft Sets, in healthcare claims data analysis. These extensions address intricate challenges in data analysis, offering versatile frameworks for managing uncertainty and indeterminacy inherent in healthcare claims data. By exploring their definitions and applications, this review elucidates how these mathematical tools have evolved and their significance in advancing healthcare research and enhancing data analysis methodologies. Real-world examples underscore the implications of these tools, emphasizing their pivotal role in facilitating informed decision-making and knowledge discovery in healthcare. The review systematically examines various case studies and research findings to illustrate the practical utility of Soft Set extensions. Detailed analyses of real-world scenarios highlight advancements in processing complex healthcare data. The conclusions drawn from this analysis indicate that the adoption of Soft Sets and their extensions can significantly improve the accuracy and efficiency of healthcare data analysis, ultimately contributing to better healthcare outcomes and more informed policy-making. Future research directions are also discussed, suggesting further potential applications and developments in this field.

The World Health Organization (WHO) added Disease X to their shortlist of blueprint priority diseases to represent a hypothetical, unknown pathogen that could cause a future epidemic. During different virus outbreaks of the past, such as COVID-19, Influenza, Lyme Disease, and Zika virus, researchers from various disciplines utilized Google Trends to mine multimodal components of web behavior to study, investigate, and analyze the global awareness, preparedness, and response associated with these respective virus outbreaks. As the world prepares for Disease X, a dataset on web behavior related to Disease X would be crucial to contribute towards the timely advancement of research in this field. Furthermore, none of the prior works in this field have focused on the development of a dataset to compile relevant web behavior data, which would help to prepare for Disease X. To address these research challenges, this work presents a dataset of web behavior related to Disease X, which emerged from different geographic regions of the world, between February 2018 to August 2023. Specifically, this dataset presents the search interests related to Disease X from 94 geographic regions. These regions were chosen for data mining as these regions recorded significant search interests related to Disease X during this timeframe. The dataset was developed by collecting data using Google Trends. The relevant search interests for all these regions for each month in this time range are available in this dataset. This paper also discusses the compliance of this dataset with the FAIR principles of scientific data management. Finally, a brief analysis of specific features of this dataset is presented to uphold the applicability, relevance, and usefulness of this dataset for the investigation of different research questions in the interrelated fields of Big Data, Data Mining, Healthcare, Epidemiology, and Data Analysis.

Mining and analysis of the Big Data of Twitter conversations have been of significant interest to the scientific community in the fields of healthcare, epidemiology, big data, data science, computer science, and their related areas, as can be seen from several works in the last few years that focused on sentiment analysis and other forms of text analysis of Tweets related to Ebola, E-Coli, Dengue, Human papillomavirus (HPV), Middle East Respiratory Syndrome (MERS), Measles, Zika virus, H1N1, influenza-like illness, swine flu, flu, Cholera, Listeriosis, cancer, Liver Disease, Inflammatory Bowel Disease, kidney disease, lupus, Parkinson's, Diphtheria, and West Nile virus. The recent outbreaks of COVID-19 and MPox have served as "catalysts" for Twitter usage related to seeking and sharing information, views, opinions, and sentiments involving both these viruses. While there have been a few works published in the last few months that focused on performing sentiment analysis of Tweets related to either COVID-19 or MPox, none of the prior works in this field thus far involved analysis of Tweets focusing on both COVID-19 and MPox at the same time. With an aim to address this research gap, a total of 61,862 Tweets that focused on Mpox and COVID-19 simultaneously, posted between May 7, 2022, to March 3, 2023, were studied to perform sentiment analysis and text analysis. The findings of this study are manifold. First, the results of sentiment analysis show that almost half the Tweets (the actual percentage is 46.88%) had a negative sentiment. It was followed by Tweets that had a positive sentiment (31.97%) and Tweets that had a neutral sentiment (21.14%). Second, this paper presents the top 50 hashtags that were used in these Tweets. Third, it presents the top 100 most frequently used words that are featured in these Tweets. The findings of text analysis show that some of the commonly used words involved directly referring to either or both viruses. In addition to this, the presence of words such as "Polio", "Biden", "Ukraine", "HIV", "climate", and "Ebola" in the list of the top 100 most frequent words indicate that topics of conversations on Twitter in the context of COVID-19 and MPox also included a high level of interest related to other viruses, President Biden, and Ukraine. Finally, a comprehensive comparative study that involves a comparison of this work with 49 prior works in this field is presented to uphold the scientific contributions and relevance of the same.

Information has been and will be a vital element for a person or department groups in an organization. That is why there are technologies that help us to give them the proper management of data; Business Intelligence is responsible for bringing technological solutions that correctly and effectively manage the entire volume of necessary and important information for companies. Among the solutions offered by Business Intelligence are Data Warehouses, Data Mining, among other business technologies that working together achieve the objectives proposed by an organization. It is important to highlight that these business technologies have been present since the 50's and have been evolving through time, improving processes, infrastructure, methodologies and implementing new technologies, which have helped to correct past mistakes based on information management for companies. There are questions about Business Intelligence. Could it be that in the not-too-distant future it will be used as an essential standard or norm in any organization for data management, since it provides many benefits and avoids failures at the time of classifying information. On the other hand, Cloud storage has been the best alternative to safeguard information and not depend on physical storage media, which are not 100% secure and are exposed to partial or total loss of information, by presenting hardware failures or security failures due to mishandling that can be given to such information.

This paper presents an innovative data-centric paradigm for designing computational systems by introducing a new informatics domain model. The proposed model moves away from the conventional node-centric framework and focuses on data-centric categorization, using a multimodal approach that incorporates objects, events, concepts, and actions. By drawing on interdisciplinary research and establishing a foundational ontology based on these core elements, the model promotes semantic consistency and secure data handling across distributed ecosystems. We also explore the implementation of this model as an OWL 2 ontology, discuss its potential applications, and outline its scalability and future directions for research. This work aims to serve as a foundational guide for system designers and data architects in developing more secure, interoperable, and scalable data systems.

This study aims to propose a method for constructing basic digital twin data in South Korea by adhering to international standards and utilizing publicly available data. Specifically, the study focuses on designing and proposing a digital twin data model for buildings, which are the most applicable among the basic digital twin data. To achieve this, the first section provides essential background information, introduces concepts and requirements related to digital twin basic data, and offers a brief overview of CityGML. The second section explains the methodology and data used in this study. The third section presents the main findings: the selection of public data (buildings) for constructing digital twin basic data, the mapping process using CityGML, and the creation of UML diagrams. The fourth section discusses these findings. Finally, the conclusion and suggestions for future research are provided. This approach enhances the accuracy of building-related digital twin data and supports the use of digital twin services in both public and private sectors by enabling various spatial analyses.

Background: Real-world data (RWD) related to the health status and care of cancer patients reflect the ongoing medical practice, and their analysis yields essential real-world evidence. Advanced information technologies are vital for their collection, qualification, and reuse in research projects. Methods: UNICANCER, the French federation of comprehensive cancer centres, has innovated a unique research network : Consore. This potent federated tool enables the analysis of data from millions of cancer patients across eleven French hospitals. Results: Currently operational within eleven French cancer centres, Consore employs natural language processing to structure the therapeutic management data of approximately 1.3 million cancer patients. This data originates from their electronic medical records, encompassing about 65 millions of medical records. Thanks to the structured data, which is harmonized within a common data model, and its federated search tool, Consore can create patient cohorts based on patient or tumor characteristics, and treatment modalities. This ability to derive larger cohorts is particularly attractive when studying rare cancers. Conclusions: Consore serves as a tremendous data mining instrument that propels French cancer centres into the big data era. With its federated technical architecture and unique shared data model, Consore facilitates compliance to regulations and acceleration of cancer research projects.

Nowadays, information security is a challenge especially when transmitted or shared in public clouds. Many of researchers have been proposed technique which fails to provide data integrity, security, authentication and another issue related to sensitivity data. The most common techniques were used to protect data during transmission on public cloud are cryptography, steganography, and compression. The proposed scheme suggests an entirely new approach for data security on public cloud. Authors have suggested an entirely new approach that completely makes secret data invisible behind carrier object and it is not been detected with the image performance parameters like PSNR, MSE, entropy and others. The details of results are explain in result section of paper. Proposed technique have better outcome than any other existing technique as a security mechanism on a public cloud. Primary focus of suggested approach is to minimize integrity loss of public storage data due to unrestricted access rights by uses. To improve reusability of carrier even after data concealed is really a challenging task and achieved through suggested approach.

Educational data-mining is an evolving discipline that focuses on the improvement of self-learning and adaptive methods. It is used for finding hidden patterns or intrinsic structures of educational data. In the arena of education, the heterogeneous data is involved and continuously growing in the paradigm of big-data. To extract meaningful information adaptively from big educational data, some specific data mining techniques are needed. This paper presents a clustering approach to partition students into different groups or clusters based on their learning behavior. Furthermore, personalized e-learning system architecture is also presented which detects and responds teaching contents according to the students’ learning capabilities. The primary objective includes the discovery of optimal settings, in which learners can improve their learning capabilities. Moreover, the administration can find essential hidden patterns to bring the effective reforms in the existing system. The clustering methods K-Means, K-Medoids, Density-based Spatial Clustering of Applications with Noise, Agglomerative Hierarchical Cluster Tree and Clustering by Fast Search and Finding of Density Peaks via Heat Diffusion (CFSFDP-HD) are analyzed using educational data mining. It is observed that more robust results can be achieved by the replacement of existing methods with CFSFDP-HD. The data mining techniques are equally effective to analyze the big data to make education systems vigorous.

The aim of this article is to summarize recent bioinformatic and statistical developments applicable to NMR-based metabolomics. Extracting relevant information from large multivariate datasets by statistical data analysis strategies may be of considerable complexity. Typical tasks comprise for example classification of specimens, identification of differentially produced metabolites, and estimation of fold changes. In this context it is of prime importance to minimize contributions from unwanted biases and experimental variance prior to these analyses. This is the goal of data normalization. Therefore, special emphasize is given to different data normalization strategies. In the first part, we will discuss the requirements and the pros and cons for a variety of commonly applied strategies. In the second part, we will concentrate on possible solutions in case that the requirements for the standard strategies are not fulfilled. In the last part, very recent developments will be discussed that allow reliable estimation of metabolic signatures for sample classification without prior data normalization. In this contribution special emphasis will be given to techniques that have worked well in our hands.

Abstract: The human race has always innovated, and in a relatively short time went from building fires and making stone-tipped arrows to creating smartphone apps and autonomous robots. Today, technological progress will undoubtedly continue to change the way we work, live, and survive in the coming decades. Since the beginning of the new millennium, the world has witnessed the emergence of social media, smartphones, self-driving cars, and autonomous flying vehicles. There have also been huge leaps in energy storage, artificial intelligence, and medical science. We are facing immense challenges in global warming and food security, among many other issues. While human innovation has contributed to many of the problems we are facing, it is also human innovation and ingenuity that can help humanity deal with these issues “New directions in science are launched by new tools much more often than by new concepts. The effect of a concept-driven revolution is to explain old things in new ways. The effect of a tool-driven revolution is to discover new things that have to be explained”. (F. Dyson, 1997 In this article, we review the impact of technology as evolving at beginning of 21st Century on future prospect of Energy demand either renewable or non-renewable form, Economy, to Ecommerce, Education and any other E-related of Modern Technology.

In the age of the digital economy, the security and privacy for multimedia systems issues are increasingly manifested in the form of data. The level of data protection governance capability determines whether the security and privacy of multimedia systems can be protected. In recent years, China has introduced laws and regulations on the protection of personal information, personal privacy, data security, and cyber-security. Although data protection is still to be improved, China has been refining the provisions on data security management through practice and the adoption of supporting regulations.

As data driven models gain importance in driving decisions and processes, recently it becomes increasingly important to visualize the data with both speed and accuracy. A massive amount of data is presently generated in the educational sphere from various learning platforms, tools, and institutions. Visual analytics of educational big data has capability to improve student learning, develop strategies for personalized learning, and improve faculty productivity. How-ever, there are limited advancements in the education domain for data-driven decision making leveraging the recent advancements in the field of machine learning. Some of the recent tools such as Tableau, Power BI, Microsoft Azure suite, Sisense etc. leverage artificial intelligence and machine learning techniques to visualize data and generate insights out of it, however their ap-plicability in educational advances is limited. This paper focuses on leveraging machine learn-ing and visualization techniques to demonstrate their utility through a practical implementation using k-12 state assessment data compiled from the institutional websites of the State of Texas and Louisiana. Effective modeling and predictive analytics are the focus of the sample use case presented in this research. Our approach demonstrates the applicability of web technology in conjunction with machine learning to provide a cost-effective and timely solution to visualize and analyze big educational data. Additionally, ad-hoc visualization provides contextual anal-ysis within areas of concern for Education Agencies (EA).

The analysis and measurement of poverty is a crucial issue in the field of social science. Poverty is a multidimensional notion that can be measured using composite indicators relevant to synthesizing statistical indicators. Subjective choices could, however, affect these indicators. We propose interval-based composite indicators to avoid the problem, enabling us in this context to obtain robust and reliable measures. Based on a relevant conceptual model of poverty we have identified, we will consider all the various factors identified. Then, considering a different random configuration of the various factors, we will compute a different composite indicator. We can obtain a different interval for each region based on the distinct factor choices on the different assumptions for constructing the composite indicator. So we will create an interval-based composite indicator based on the results obtained by the Monte-Carlo simulation of all the different assumptions. The different intervals can be compared, and various rankings for poverty can be obtained. For their parameters, such as center, minimum, maximum, and range, the poverty interval composite indicator can be considered and compared. The results demonstrate a relevant and consistent measurement of the indicator and the shadow sector's relevant impact on the final measures.

In the information age today, data are getting more and more important. While other industries achieve tangible improvement by applying cutting edge information technology, the construction industry is still far from being enough. Cost, schedule, and performance control are three major functions in the project execution phase. Along with their individual importance, cost-schedule integration has been a significant challenge over the past five decades in the construction industry. Although a lot of efforts have been put into this development, there is no method used in construction practice. The purpose of this study is to propose a new method to integrate cost and schedule data using big data technology. The proposed algorithm is designed to provide data integrity and flexibility in the integration process, considerable time reduction on building and changing database, and practical use in a construction site. It is expected that the proposed method can transform the current way that field engineers regard information management as one of the troublesome tasks in a data-friendly way.

Multimodality requires integration of heterogeneous transportation data to construct a broad view of the transportation network. Many new transportation services are emerging with being isolated from previously existing networks. This lead them to publish their data sources to the web -- according to Linked Data Principles -- in order to gain visibility. Our interest is to use these data to construct an extended transportation network that links these new services to existing ones. The main problems we tackle in this article fall in the categories of automatic schema matching and data interlinking. We propose an approach that uses web services as mediators to help in automatically detect geospatial properties and map them between two different schemas. On the other hand, we propose a new interlinking approach that enables user to define rich semantic links between datasets in a flexible and customizable way.

Standardised forms for capturing clinical data promote consistency in data collection and analysis across study sites, enabling faster, higher-quality evidence generation. ISARIC and the World Health Organization have developed case report forms (CRFs) for the clinical characterisation of several infectious disease outbreaks. To improve the design and quality of future forms, we analysed the inclusion and completion rates of the 243 fields on the ISARIC-WHO COVID-19 CRF. Data from 42 diverse collaborations, covering 1,886 hospitals and 950,064 patients were analysed. A mean of 129.6 fields (53%) were included in the adapted CRFs implemented across the sites. Consistent patterns of field inclusion and completion aligned with globally recognised research priorities in outbreaks of novel infectious diseases. Outcome status was the most highly included (95.2%) and completed (89.8%) field, followed by admission demographics (79.1% and 91.6%), comorbidities (77.9% and 79.0%), signs & symptoms (68.9% and 78.4%) and vitals (70.3% and 69.1%). Mean field completion was higher in severe patients (70.2%) than in all patients (61.6%). The results indicate that clinical characterisation CRFs can be streamlined to reduce data collection time, including the modularisation of CRFs to offer a choice of data volume collection and the separation of critical care interventions. This data-driven approach to designing CRFs enhances the efficiency of data collection to inform patient care and public health response.

The capability of extracting information and analyze it into a common format is essential for performing predictions, comparing projects through cost benchmarking, and for having a deeper understanding of the project costs. However, the lack of standardization and the manual inclusion of the data makes this process very time-consuming, unreliable, and inefficient. To tackle this problem, a novel approach with a big impact is presented combining the benefits of data mining, statistics, and machine learning to extract and analyze the information related to railway costs infrastructure data. To validate the suggested approach, data from 23 real historical projects from the client network rail was extracted, allowing their costs to be comparable. Finally, some machine learning and data analytics methods were implemented to identify the most relevant factors allowing for costs benchmarking. The presented method proves the benefits of data extraction being able to gather, analyze and benchmark each project in an efficient manner, and deeply understand the relationships and the relevant factors that matter in infrastructure costs.

Business Intelligence, defined by [1] as "the ability to understand the interrelations of the facts that are presented in such a way that it can guide the action towards achieving a desired goal", has been used since 1958 for the transformation of data into information, and of information into knowledge, to be used when making decisions in a business environment. But, what would happen if we took the same principles of business intelligence and applied them to the academic environment? The answer would be the creation of Academic Analytics, a term defined by [2] as the process of evaluating and analyzing organizational information from university systems for reporting and making decisions, whose characteristics allow it to be used more and more in institutions, since the information they accumulate about their students and teachers gathers data such as academic performance, student success, persistence, and retention [5]. Academic Analytics enables an analysis of data that is very important for making decisions in the educational institutional environment, aggregating valuable information in the academic research activity and providing easy to use business intelligence tools. This article shows a proposal for creating an information system based on Academic Analytics, using ASP.Net technology and trusting storage in the database engine Microsoft SQL Server, designing a model that is supported by Academic Analytics for the collection and analysis of data from the information systems of educational institutions. The idea that was conceived proposes a system that is capable of displaying statistics on the historical data of students and teachers taken over academic periods, without having direct access to institutional databases, with the purpose of gathering the information that the director, the teacher, and finally the student need for making decisions. The model was validated with information taken from students and teachers during the last five years, and the export format of the data was pdf, csv, and xls files. The findings allow us to state that it is extremely important to analyze the data that is in the information systems of the educational institutions for making decisions. After the validation of the model, it was established that it is a must for students to know the reports of their academic performance in order to carry out a process of self-evaluation, as well as for teachers to be able to see the results of the data obtained in order to carry out processes of self-evaluation, and adaptation of content and dynamics in the classrooms, and finally for the head of the program to make decisions.

This paper presents the results of a recent study that was conducted with a number of German municipalities/cities. Based on the obtained and briefly presented recommendations emerging from the study, the authors propose the concept of an Urban Data Space (UDS), which facilitates an eco-system for data exchange and added value creation thereby utilizing the various types of data within a smart city/municipality. Looking at an Urban Data Space from within a German context and considering the current situation and developments in German municipalities, this paper proposes a reasonable classification of urban data that allows to relate the various data types to legal aspects and to conduct solid considerations regarding technical implementation designs and decisions. Furthermore, the Urban Data Space is described/analyzed in detail, and relevant stakeholders are identified, as well as corresponding technical artifacts are introduced. The authors propose to setup Urban Data Spaces based on emerging standards from the area of ICT reference architectures for Smart Cities, such as DIN SPEC 91357 “Open Urban Platform” and EIP SCC. Thereby, the paper walks the reader through the construction of an UDS based on the above mentioned architectures and outlines all the goals, recommendations and potentials, which an Urban Data Space can reveal to a municipality/city.

This article proposes a measurement solution designed to monitor instantaneous frequency in power systems. It uses a data acquisition module and a GPS receiver for time stamping. A program in Python takes care of receiving the data, calculating the frequency, and finally transferring the measurement results to a database. The frequency is calculated with two different methods, which are compared in the article. The stored data is visualized using the Grafana platform, thus demonstrating its potential for comparing scientific data. The system as a whole constitutes an efficient low cost solution as a data acquisition system.

The Smart Energy Research Lab (SERL) Observatory dataset described here comprises half-hourly and daily electricity and gas data, SERL survey data, Energy Performance Certificate (EPC) input data and 24 local hourly climate reanalysis variables from the European Centre for Medium-Range Weather Forecasts (ECMWF) for over 13,000 households in Great Britain (GB). Participants were recruited in September 2019, September 2020 and January 2021 and their smart meter data are collected from up to one year prior to sign up. Data collection will continue until at least August 2022, and longer if funding allows. Survey data relating to the dwelling, appliances, household demographics and attitudes was collected at sign up. Data are linked at the household level and UK-based academic researchers can apply for access within a secure virtual environment for research projects in the public interest. This is a data descriptor paper describing how the data was collected, the variables available and the representativeness of the sample compared to national estimates. It is intended as a guide for researchers working with or considering using the SERL Observatory dataset, or simply looking to learn more about it.

The rich emission and absorption line spectra of Fe I may be used to extract crucial information on astrophysical plasmas, such as stellar metallicities. There is currently a lack, in quality and quantity, of accurate level-resolved effective electron-impact collision strengths and oscillator strengths for radiative transitions. Here, we discuss the challenges in obtaining a sufficiently good structure for neutral iron and compare our theoretical fine-structure energy levels with observation for several increasingly large models. Radiative data is presented for several transitions for which the atomic data is accurately known.

Cross-lingual sentiment analysis is crucial for understanding and interpreting emotions expressed in text across diverse linguistic contexts. However, cross-lingual sentiment analysis faces challenges such as differences in emotional lexicons, data imbalance, and the need for multi-language sentiment normalization. In this study, we propose a novel approach to address these challenges by leveraging low-resource language training techniques to enhance cross-lingual sentiment analysis. Our method aims to bridge the gap in emotional lexicons by adapting sentiment analysis models to diverse linguistic contexts. Additionally, we tackle issues of data imbalance through innovative data augmentation strategies tailored to each language, and we introduce a multi-language sentiment normalization technique to ensure consistent sentiment interpretation across different languages. Our method achieved state-of-the-art results in twelve languages across four domains, demonstrating superior performance in both text-level and sentence-level sentiment analysis tasks. By conducting comprehensive evaluations across diverse linguistic contexts and domains, we showcase the versatility and effectiveness of our approach in achieving top-tier results in cross-lingual sentiment analysis.

The existing collaborative channel perception suffered from unreasonable data fusion weight allocation, which mismatched the channel perception capability of node devices. This often led to significant deviations between the channel perception results and the actual channel state. To solve this issue, this paper integrated the data fusion algorithm from evidence fusion theory with data link channel state perception. It applied the data fusion advantages of evidence fusion theory to evaluate the traffic pulse statistical capability of network node devices. Specifically, the typical characteristic parameters describing the channel perception capability of node devices were regarded as evidence parameter sets under the recognition framework. By calculating the credibility and falsity of the characteristic parameters, the differences and conflicts between nodes were measured to achieve a comprehensive evaluation of the traffic pulse statistical capabilities of node devices. Based on this evaluation, the geometric mean method was adopted to calculate channel state perception weights for each node within a single-hop range, and a weight allocation strategy was formulated to improve the accuracy of channel state perception.

The following article analyses the relationship between the mental health index and the variables of the Environment, Social and Governance-ESG model in the Italian regions between 2004 and 2023. The econometric analysis is aimed at investigating in detail the relationships between the mental health index and the individual components of the ESG model. The results are critically discussed

In the last century, statistical process control has been considered a successful methodology for monitoring the variability and stability of a process over time. The analysis of variability using functional data analysis has become widespread during the early years of the 21st century. The present study proposes the implementation of a hybrid methodology called functional process control based on the functional data analysis methodology and combines its advantages with those of statistical process control, in order to provide a tool for detecting functional deviations. The phases are: (1) stabilization of processes through the identification and elimination of special causes of functional variability; (2) improvement of the process to be controlled by minimizing the common causes of functional variability; and (3) monitoring of the processes to ensure the maintenance or addition of further improvements.

Purpose To alleviate the data imbalance problem caused by subjective and objective reasons, scholars have developed different data preprocessing algorithms, among which undersampling algorithms are widely used because of their fast and efficient performance. However, when the number of samples of some categories in a multi-classification dataset is too small to be processed by sampling, or the number of minority class samples is only 1 to 2, the traditional undersampling algorithms will be weakened. Methods This study selects 9 multi-classification time series datasets with extremely few samples as the objects, fully considers the characteristics of time series data, and uses a three-stage algorithm to alleviate the data imbalance problem. Stage one: Random oversampling with disturbance items increases the number of sample points; Stage two: On this basis, SMOTE (Synthetic Minority Oversampling Technique) oversampling; Stage three: Using dynamic time warping distance to calculate the distance between sample points, identify the sample points of Tomek Links at the boundary, and clean up the boundary noise.Results This study proposes a new sampling algorithm. In the 9 multi-classification time series datasets with extremely few samples, the new sampling algorithm is compared with four classic undersampling algorithms, ENN (Edited Nearest Neighbours), NCR (Neighborhood Cleaning Rule), OSS (One Side Selection) and RENN (Repeated Edited Nearest Neighbours), based on macro accuracy, recall rate and F1-score evaluation indicators. The results show that: In the 9 datasets selected, the dataset with the most categories and the least number of minority class samples, FiftyWords, the accuracy of the new sampling algorithm is 0.7156, far beyond ENN, RENN, OSS and NCR; its recall rate is also better than the four undersampling algorithms used for comparison, at 0.7261; its F1-score is increased by 200.71%, 188.74%, 155.29% and 85.61%, respectively, relative to ENN, RENN, OSS, and NCR; In the other 8 datasets, this new sampling algorithm also shows good indicator scores.Conclusion The new algorithm proposed in this study can effectively alleviate the data imbalance problem of multi-classification time series datasets with many categories and few minority class samples, and at the same time clean up the boundary noise data between classes.

Historical and Endowment Properties are different from Heritage and cultural Properties, as Historical and Endowment properties are governed by a unique set of laws that Waqf recipients must abide by. Property that is entrusted is usually in the form of buildings, land or valuables which in preservation is not limited to time as long as the property can be utilized. Reliable information technology is needed to ensure data security both digitally and physically, while the rapid development of information technology demands information openness and this will be a challenge in itself. The objectives of this study include examining the collection of historical databases and endowments, the relationship between digital data and physical data and management organizations. The method of how to design a query model to display data is then analyzed whether the data conforms to the rules in waqf management. The results are expected to bring up accurate data between digital data and physical data and if there are differences into findings for the next analysis.

Abstract ObjectivesThe aim of this perspective is to report the use of synthetic data as a viable method in women’s health given the current challenges linked to obtaining life-course data within a short period of time and accessing electronic healthcare data. Methods We used a 3-point perspective method to report an overview of data science, common applications, and ethical implications. Results There are several ethical challenges linked to using real-world data, consequently, generating synthetic data provides an alternative method to conduct comprehensive research when used effectively. The use of clinical characteristics to develop synthetic data is a useful method to consider. Aligning this data as closely as possible to the clinical phenotype would enable researchers to provide data that is very similar to that of the real-world. Discussion Population diversity and disease characterisation is important to optimally use data science. There are several artificial intelligence techniques that can be used to develop synthetic data. ConclusionSynthetic data demonstrates promise and versatility when used efficiently aligned to clinical problems. Therefore, exploring this option as a viable method in women’s health, in particular for epidemiology may be useful.