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Haddad, Achraf. "E-finance, Entrepreneurship and Economic Growth in Developing Countries." Thesis, Södertörns högskola, Nationalekonomi, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:sh:diva-35506.
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Jiao, Yang. "Applications of artificial intelligence in e-commerce and finance." Thesis, Evry, Institut national des télécommunications, 2018. http://www.theses.fr/2018TELE0002/document.
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L'Intelligence Artificielle est présente dans tous les aspects de notre vie à l'ère du Big Data. Elle a entraîné des changements révolutionnaires dans divers secteurs, dont le commerce électronique et la finance. Dans cette thèse, nous présentons quatre applications de l'IA qui améliorent les biens et services existants, permettent l'automatisation et augmentent considérablement l'efficacité de nombreuses tâches dans les deux domaines. Tout d'abord, nous améliorons le service de recherche de produits offert par la plupart des sites de commerce électronique en utilisant un nouveau système de pondération des termes pour mieux évaluer l'importance des termes dans une requête de recherche. Ensuite, nous construisons un modèle prédictif sur les ventes quotidiennes en utilisant une approche de prévision des séries temporelles et tirons parti des résultats prévus pour classer les résultats de recherche de produits afin de maximiser les revenus d'une entreprise. Ensuite, nous proposons la difficulté de la classification des produits en ligne et analysons les solutions gagnantes, consistant en des algorithmes de classification à la pointe de la technologie, sur notre ensemble de données réelles. Enfin, nous combinons les compétences acquises précédemment à partir de la prédiction et de la classification des ventes basées sur les séries temporelles pour prédire l'une des séries temporelles les plus difficiles mais aussi les plus attrayantes : le stock. Nous effectuons une étude approfondie sur chaque titre de l'indice S&P 500 en utilisant quatre algorithmes de classification à la pointe de la technologie et nous publions des résultats très prometteurs<br>Artificial Intelligence has penetrated into every aspect of our lives in this era of Big Data. It has brought revolutionary changes upon various sectors including e-commerce and finance. In this thesis, we present four applications of AI which improve existing goods and services, enables automation and greatly increase the efficiency of many tasks in both domains. Firstly, we improve the product search service offered by most e-commerce sites by using a novel term weighting scheme to better assess term importance within a search query. Then we build a predictive model on daily sales using a time series forecasting approach and leverage the predicted results to rank product search results in order to maximize the revenue of a company. Next, we present the product categorization challenge we hold online and analyze the winning solutions, consisting of the state-of-the-art classification algorithms, on our real dataset. Finally, we combine skills acquired previously from time series based sales prediction and classification to predict one of the most difficult but also the most attractive time series: stock. We perform an extensive study on every single stocks of S&P 500 index using four state-of-the-art classification algorithms and report very promising results
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Jiao, Yang. "Applications of artificial intelligence in e-commerce and finance." Electronic Thesis or Diss., Evry, Institut national des télécommunications, 2018. http://www.theses.fr/2018TELE0002.
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L'Intelligence Artificielle est présente dans tous les aspects de notre vie à l'ère du Big Data. Elle a entraîné des changements révolutionnaires dans divers secteurs, dont le commerce électronique et la finance. Dans cette thèse, nous présentons quatre applications de l'IA qui améliorent les biens et services existants, permettent l'automatisation et augmentent considérablement l'efficacité de nombreuses tâches dans les deux domaines. Tout d'abord, nous améliorons le service de recherche de produits offert par la plupart des sites de commerce électronique en utilisant un nouveau système de pondération des termes pour mieux évaluer l'importance des termes dans une requête de recherche. Ensuite, nous construisons un modèle prédictif sur les ventes quotidiennes en utilisant une approche de prévision des séries temporelles et tirons parti des résultats prévus pour classer les résultats de recherche de produits afin de maximiser les revenus d'une entreprise. Ensuite, nous proposons la difficulté de la classification des produits en ligne et analysons les solutions gagnantes, consistant en des algorithmes de classification à la pointe de la technologie, sur notre ensemble de données réelles. Enfin, nous combinons les compétences acquises précédemment à partir de la prédiction et de la classification des ventes basées sur les séries temporelles pour prédire l'une des séries temporelles les plus difficiles mais aussi les plus attrayantes : le stock. Nous effectuons une étude approfondie sur chaque titre de l'indice S&P 500 en utilisant quatre algorithmes de classification à la pointe de la technologie et nous publions des résultats très prometteurs<br>Artificial Intelligence has penetrated into every aspect of our lives in this era of Big Data. It has brought revolutionary changes upon various sectors including e-commerce and finance. In this thesis, we present four applications of AI which improve existing goods and services, enables automation and greatly increase the efficiency of many tasks in both domains. Firstly, we improve the product search service offered by most e-commerce sites by using a novel term weighting scheme to better assess term importance within a search query. Then we build a predictive model on daily sales using a time series forecasting approach and leverage the predicted results to rank product search results in order to maximize the revenue of a company. Next, we present the product categorization challenge we hold online and analyze the winning solutions, consisting of the state-of-the-art classification algorithms, on our real dataset. Finally, we combine skills acquired previously from time series based sales prediction and classification to predict one of the most difficult but also the most attractive time series: stock. We perform an extensive study on every single stocks of S&P 500 index using four state-of-the-art classification algorithms and report very promising results
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He, Fang. "DECISION FACTORS FOR THE ADOPTION OF E-FINANCE AND OTHER E-COMMERCE ACTIVITIES." Available to subscribers only, 2009. http://proquest.umi.com/pqdweb?did=1791777521&sid=7&Fmt=2&clientId=1509&RQT=309&VName=PQD.
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Thesis (Ph. D.)--Southern Illinois University Carbondale, 2009.<br>"Department of Management." Keywords: E-commerce, E-finance, Information technology adoption, Online banking, Online payment, Online shopping. Includes bibliographical references (p. 172-191). Also available online.
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Trefusio, Arianna <1995>. "TWIN-BANK TRASFORMATION: traditional, digital e FinTech. Sfide e Opportunità nel mondo Finance." Master's Degree Thesis, Università Ca' Foscari Venezia, 2022. http://hdl.handle.net/10579/21403.
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Bill Gates dichiarò che “the world needs banking not bank”.
Si iniziò il processo di ricerca verso la digitalizzazione del sistema Finanziario, unendo la terminologia finanza con tecnologia: Fintech.
Le aziende Fintech stanno destando subbugli nel sistema bancario proponendo alla loro clientela, private e retail, soluzioni finanziarie vantaggiosi specie per quanto riguardano i costi.
La digitalizzazione automatizzò la maggior parte dei servizi, permettendo l’abbattimento di costi ma specialmente far risparmiar tempo ai customers.
Quest’approccio sta mettendo in discussione non solo il modello di banca universale ma anche quello di business bank traditional.
Il processo di digital trasformation del settore bancario-finanziario è in corso da diversi anni, ma la crisi economico finanziaria del 2008 e pandemia di covid 19 del 2020, hanno contribuito a dare una spinta al mondo digital nelle banche ma specialmente al settore Fintech.
L’obiettivo dell’elaborato consiste nell’analisi per cui il sistema di banca universale sta negli anni venendo meno, cercando di trasformarsi, o quantomeno adattandosi al mondo digital.
Verranno analizzate le principali fonti di finanziamento e reperimento delle risorse come il Crowdfunding
Si analizzerà la proiezione delle aziende Digital-Fintech nel mondo.
Si vedrà infine come il settore traditional e quello digital non potranno andare a scomparire ma, si andrà a creare una sorta di gemellaggio tra sistemi economici, bancari e finanziari.
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Azevedo, Cristiane. "O modelo vendor finance e o mercado de tecnologia da informação." reponame:Biblioteca Digital de Teses e Dissertações da UFRGS, 2010. http://hdl.handle.net/10183/25197.
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O modelo de negócio vendor finance é tomado aqui como ponto de partida para o estudo do movimento de expansão do Banco De Lage Landen para o mercado de tecnologia da informação (TI). Foram analisadas as principais características do modelo de negócio, suas capacidades essenciais e posicionamento competitivo. Com base nesta análise inicial, foram efetuadas entrevistas com compradores corporativos de equipamentos de TI. Através das entrevistas foram identificadas características muito específicas deste mercado, que se diferencia substancialmente dos mercados até o momento atendidos pelo Banco De Lage Landen. O mercado de TI se mostrou um mercado muito dinâmico. Alguns fatores estão em constante mudança, como: os produtos, os fornecedores, as formas de atender a mesma necessidade e a própria estrutura do mercado. Algumas das características identificadas serão cruciais para a estratégia de entrada do Banco De Lage Landen neste mercado.<br>The vendor finance business model is taken here as a starting point for studying the movement of expansion of the De Lage Landen Bank to the information technology (IT) market. The main characteristics of the business model were analyzed, its key capabilities and competitive position. Based on this initial analysis interviews with corporate buyers of IT equipment were conducted. Through the interviews specific characteristics of the market were identified, which differs substantially from the market served by De Lage Landen until now. The IT market has proved to be a very dynamic market. Some factors are constantly changing, like the products, suppliers, ways to meet the same need and the very structure of the market. Some of the features identified will be crucial to the entry strategy of De Lage Landen in the market.
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STOPPANI, LAVINIA. "Saggi di corporate finance e banking: vincoli al credito, intervento pubblico e performance delle imprese." Doctoral thesis, Università Cattolica del Sacro Cuore, 2017. http://hdl.handle.net/10280/18682.
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La tesi contiene due saggi sull'economia delle politiche pubbliche a sostegno dell'accesso al credito per le piccole e medie imprese. Il primo valuta l'impatto netto sulla disponibilità e il costo del credito e sulle performanec delle imprese del più grande schema di garanzie pubbliche al credito in Italia. Il secondo indaga empiricamente gli effetti distorsivi della politica e i costi che ne derivano, con particolare focus sull'eterogeneità a livello di banca e di impresa.<br>The dissertation deals with the role of public policy in support of firms' access to credit. It is composed of two essays. The first is an evaluation of the net effect of an Italian public credit guarantee scheme in support of PMIs. The impact evaluation assesses financial outputs such as credit availability and conditions, as well as economic outputs such as firms' performance. The second essay empirically investigates how the presence of asymmetry of information can affect the output of these policies at the bank and firm level.
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STOPPANI, LAVINIA. "Saggi di corporate finance e banking: vincoli al credito, intervento pubblico e performance delle imprese." Doctoral thesis, Università Cattolica del Sacro Cuore, 2017. http://hdl.handle.net/10280/18682.
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La tesi contiene due saggi sull'economia delle politiche pubbliche a sostegno dell'accesso al credito per le piccole e medie imprese. Il primo valuta l'impatto netto sulla disponibilità e il costo del credito e sulle performanec delle imprese del più grande schema di garanzie pubbliche al credito in Italia. Il secondo indaga empiricamente gli effetti distorsivi della politica e i costi che ne derivano, con particolare focus sull'eterogeneità a livello di banca e di impresa.<br>The dissertation deals with the role of public policy in support of firms' access to credit. It is composed of two essays. The first is an evaluation of the net effect of an Italian public credit guarantee scheme in support of PMIs. The impact evaluation assesses financial outputs such as credit availability and conditions, as well as economic outputs such as firms' performance. The second essay empirically investigates how the presence of asymmetry of information can affect the output of these policies at the bank and firm level.
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Gianfrancesco, Igor. "Project finance e Basilea 2: implicazioni per l’attività di risk management in banca." Doctoral thesis, Luiss Guido Carli, 2010. http://hdl.handle.net/11385/200732.
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Il trattamento regolamentare delle operazioni di project finance nel quadro regolamentare di vigilanza. Il pricing in ambiente Basilea 2: un'applicazione alle operazioni di project finance. La determinazione della probabilità di default per un'operazione di project finance: dalla slotting approach alle metodologie basate su simulazioni Montecarlo.
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Bragato, Daniele <1990>. "La sostenibilità come modello di sviluppo a favore dell’innovazione e della Corporate Finance." Master's Degree Thesis, Università Ca' Foscari Venezia, 2014. http://hdl.handle.net/10579/5337.
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Lo sviluppo sostenibile è un concetto ancora dibattuto in ambito aziendale in merito alla diffusione di comportamenti opportunistici, come il Greenwashing, e alle perplessità sulla sua valenza per le attività imprenditoriali. Alla luce dei più recenti studi si rilevano ulteriori fonti di vantaggio per le organizzazioni, rispetto alle classiche visioni riscontrate in letteratura, con riferimento alla Corporate Finance e alle strategie per l’innovazione. Le aziende più sostenibili e responsabili riducono il rischio percepito dal mercato finanziario godendo di un costo del capitale inferiore. Inoltre, lo stakeholder engagement permette di incrementare i flussi di conoscenza in entrata e in uscita e di migliorare il network con gli attori del sistema socio-economico che, insieme alle opportunità create dal trend della sostenibilità, costituisce stimolo e motore per le innovazioni. L’analisi conclusiva del caso Carlsberg Italia è stata rilevante per alcune considerazioni a supporto dei temi trattati.
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Davanzo, Martina <1994>. "Cambiamento climatico e Climate Finance: rischi ed opportunità d’investimento per il mondo finanziario." Master's Degree Thesis, Università Ca' Foscari Venezia, 2019. http://hdl.handle.net/10579/14505.
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La lotta al cambiamento climatico rappresenta la più importante e delicata sfida globale. Questo elaborato è nato con lo scopo di fornire un quadro il più possibile completo su quello che, per alcuni, è il più grave fallimento di mercato della storia umana analizzando il tema della “finanza climatica”. Essa consente di indirizzare l’azione climatica verso un futuro sostenibile, ma si vedrà quanto la stabilità finanziaria globale sia al tempo stesso minacciata dal cambiamento climatico.
Iniziando con la presentazione del contesto politico internazionale, in particolare della COP21, e delle attività di mitigazione e adattamento, si passa nel vivo del lavoro: se vogliamo rimanere all’interno della soglia limite del +1,5°C, gli investimenti per queste attività devono notevolmente aumentare. Il problema non è dunque solo ambientale, ma anche economico e finanziario e sempre di più investitori, leader politici, istituzioni e il mondo in generale sono consapevoli di questo. Se da un lato il global warming è una minaccia per la nostra società e per le nostre realtà economiche, in ottica invece finanziaria si vedrà che da esso possono emergere delle opportunità di crescita e sviluppo sostenibile sfruttabili attraverso iniziative e strumenti finanziari innovativi (portafogli verdi e green bonds). Si parlerà inoltre dell’importanza di ottenere una maggiore trasparenza e diffusione delle informazioni legate agli impatti ambientali per stimolare gli investimenti “verdi”. L’ultimo capitolo invece concentra l’attenzione sul caso Italia e contestualizza i temi trattati antecedentemente sia sul piano pubblico che privato. Si presenterà quanto svolto da questi due settori e si analizzeranno le opportunità e il mercato italiano dei green bonds.
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Taylor, Matthew. "The Centralization of Bitcoin: The Long-Run Economics of Bitcoin Mining." Scholarship @ Claremont, 2014. http://scholarship.claremont.edu/cmc_theses/834.
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The Bitcoin currency relies on a transaction verification system run by a decentralized network of miners. This paper evaluates the long-term economic stability of Bitcoin mining. Specifically, I analyze the incentive structure surrounding transaction fees, which are part of the reward miners earn for verifying transactions in the Bitcoin network. My method of investigation is to first construct a visual model representing miner incentives, then input current and estimated data into that model, and finally determine how individual miners and pools will behave based on the key variables included in the model and industry trends. I conclude, under the current protocol rules, Bitcoin mining is not economically sustainable in the long-term due to the impending centralization of the network. Centralization in itself will not necessarily destroy the network. However, it will lead to unsatisfactory outcomes that will greatly lower the value of the entire system. Therefore, I recommend two potential solutions to the centralization issue, namely the requirement of either P2Pools or a proof-of-stake mechanism. The development of future applications on the Bitcoin protocol depends on the success of the Bitcoin currency application. These future technologies, along with the Bitcoin currency, have the potential to disrupt many industries. But, if miner incentives are not aligned with maintaining decentralization, then none of this potential will be realized.
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Galasso, Concetta. "Le determinanti del rating e del pricing risk adjusted nelle operazioni di project finance." Doctoral thesis, Luiss Guido Carli, 2008. http://hdl.handle.net/11385/200749.
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Il processo di identificazione e gestione dei rischi nelle operazioni di project financing. Il rischio di credito nelle operazioni di project financing e il nuovo accordo di Basilea. La definizione di un modello di valutazione del rischio di credito secondo i Rating Grade Slotting Criteria di Basilea. Evidenze empiriche dell'applicazione delle nuove regole di Basilea in materia di project financing.
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Tiso, Carlo <1992>. "Aspetti di behavioral finance nella valutazione di strategie operative con opzioni e prodotti strutturati." Master's Degree Thesis, Università Ca' Foscari Venezia, 2021. http://hdl.handle.net/10579/18660.
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L'elaborato si propone di spiegare determinati comportamenti attuati dagli individui nella scelta di determinate strategie operative con opzioni.
Nello specifico si farà riferimento all' elaborato proposti da Kahneman e Tversky "Prospect Theory: an analysis of decision under risk".
Verrà fatto un particolare focus sulla distinzione di due famose strategie la "Covered Call" e la "Naked put"
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Souza, Camila Rossi Vianna de. "Avaliando questionários de risco e o comportamento do investidor sobre a ótica de behavioral finance." reponame:Repositório Institucional do FGV, 2005. http://hdl.handle.net/10438/299.
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Previous issue date: 2005-08-15<br>Financial risk tolerance is assumed to be a fundamental issue underlying a number of financial decisions. For this reason, researchers have long been interested in understanding the relationship between personal financial risk tolerance and factors as diverse as life cycle and asset allocation decisions. The risk questionnaire is therefore one of the instruments available, but there are few, if any, generally recognized instruments designed to ascertain someone’s financial risk tolerance or preference. This paper objective is to evaluate three risk assessment questionnaires from different institutions but with a behavioral finance focus. The behavioral finance perspective show us the psychological aspects of the investor that arise when people form beliefs and preferences. By knowing how the investor behaves, the financial consultant may try to educate and bring the investor back to a rational portfolio decision. The modern theory of finance also highlights that investors preferences – in particular impatience and aversion to risk – do influence optimal portfolios. Having that in mind, on of the roles of the financial consultant is to understand how investors forms their preferences, so they may help investors making optimal portfolio decisions in the long run.<br>Tolerância ao risco é fundamental quando se tomam decisões financeiras. No entanto, a avaliação da tolerância ao risco tem se baseado ao longo dos anos em diferentes metodologias, tais como julgamentos heurísticos e a teoria da utilidade esperada que tem como base a hipótese dos mercados eficientes. Foi dentro desta ótica que este trabalho se desenvolveu. O objetivo é analisar três diferentes questionários de avaliação ao risco que são na prática amplamente utilizados por consultores financeiros. Foi assumido para isso que os investidores são considerados racionais, conhecem e ordenam de forma lógica suas preferências, buscam maximizar a 'utilidade' de suas escolhas, e conseguem atribuir com precisão probabilidades aos eventos futuros, quando submetidos a escolhas que envolvam incertezas. No entanto, em uma análise preliminar dos questionários, estes poderiam estar utilizando conceitos de behavioral finance para avaliarem a tolerância ao risco, ao invés de utilizarem somente a metodologia tradicional da teoria da utilidade esperada. Dessa forma tornou-se necessário o estudo dos conceitos de behavioral finance. O primeiro capítulo então trata dos aspectos psicológicos do investidor, procurando entender como este se comporta e como este forma suas preferências. Apesar do estudo assumir racionalidade nas decisões, se a teoria de behavioral estiver correta e os investidores apresentarem desvios a racionalidade, como a teoria prospectiva afirma, o questionário poderia ser o veículo ideal para identificar tais desvios, sendo possível então educar e orientar o indivíduo em suas escolhas financeiras, afim de maximizá-las. O capitulo dois coloca a análise dos questionários inserida no contexto da teoria moderna de finanças, falando das escolhas de portfólio para investidores de longo prazo. O capítulo mostra de forma bem resumida e simplificada como o investidor maximiza a sua utilidade da riqueza. A idéia desse capítulo é entender como alguns julgamentos heurísticos assumidos na prática por consultores financeiros afetam as escolhas de portfólio e em quais condições esses julgamentos heurísticos são verdadeiros. Isso se torna importante pois os questionários mesclam medidas de risco com horizonte de investimentos do investidor. Estes questionários são utilizados para traçar uma política de investimentos completa para o investidor. Para cada perfil de risco encontrado a instituição traça um modelo de alocação de portfólio. O capítulo três trata da avaliação dos questionários em si tendo como base a teoria da utilidade esperada, os conceitos de behaviral finance e as lições tiradas das escolhas de portfólio para investidores de longo prazo.
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Coelho, Jaison Ricarddo. "Project finance e assimetria de informação: uma análise dos efeitos sobre os spreads dos financiamentos." reponame:Repositório Institucional do FGV, 2016. http://hdl.handle.net/10438/16871.
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Previous issue date: 2016-08-02<br>Project Finance provides funds to finance large and capital intensive projects. It has numerous participants involved in the structuring process and a high Debt/Equity ratio. Theory suggests that sharing information among participants contributes to reduce agency costs. The complex contractual web, present in Project Finance, plays an important role in the sharing. Thus, it is responsible for delimitating the relationship among agents. This paper analyses the impact that the presence of some participants could have over the financing spreads, in a sample with 1.114 projects from 89 countries signed between 01/2001 and 03/2016. The focus of the discussion is to understand if Projects Finance with sponsors linked with the government of the local of the investment, or foreign sponsors; or even if in the presence of special lenders, like government and development banks, or multilateral agencies, features lower spreads. Another issue analyzed is the difference between Project Finance used in concession projects under build-own-operate – BOO contracts and build-operate-transfer – BOT. The results show evidences that projects under BOO contracts present lower spreads and projects without concession contracts present higher spreads than operations under BOO or BOT.<br>Project Finance se destaca como uma fonte de captação de recursos para financiar a execução de grandes projetos intensivos em capital. Possui, dentre suas características, um grande número de participantes envolvidos em sua estruturação e alta taxa de participação de capital de terceiros para financiar a execução do projeto. A teoria sugere que o compartilhamento de informações entre os diversos participantes da estruturação do projeto contribui para a redução de custos de agência. Parte importante nesse compartilhamento é exercida pela complexa estrutura contratual que reveste estas operações, responsável por delimitar as relações entre as partes envolvidas. Este trabalho analisa o impacto que a presença de determinados participantes pode ter nos spreads das operações de financiamento, em uma amostra de 1.114 operações de 89 países contratadas entre 01/2001 e 03/2016. A discussão é centrada em entender se as operações de Project Finance que possuam, entre seus participantes, agentes figurando como patrocinadores ligados ao governo do local do investimento ou de outra nacionalidade; ou ainda a participação de financiadores como bancos de desenvolvimento ou de controle estatal e das agências multilaterais apresentam spreads menores. Outra questão analisada é a diferença entre as operações de Project Finance em concessões que operam sob contratos do tipo build-own-operate – BOO e build-operate-transfer – BOT. Os resultados trazem evidências que as operações sob contratos BOO apresentam spreads inferiores e as operações sem contratos de concessão apresentam spreads superiores às operações sob contratos do tipo BOO ou BOT.
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Finetti, Gloria <1998>. "Green finance: il ruolo dell’Asia e della Cina. Proposta di traduzione di due testi finanziari." Master's Degree Thesis, Università Ca' Foscari Venezia, 2022. http://hdl.handle.net/10579/21893.
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This thesis provides the translation of two specialized articles on the topic of green finance.
Green finance, or sustainable finance, is a branch of finance within the concept of sustainability and aims to mobilize capital directed towards sustainable projects, in the field of environmental and also social protection, through the use of specific financial means and strategies. In 2020, were celebrated the five years since the signing of the Paris Agreement on December 12, 2015 (which became effective on November 4, 2016, and was adopted by 196 states), consolidating the need and the pressure for the creation of means to protect the environment from global warming.
It is precisely in such a context that green finance steps in. This thesis aims to provide the reader with an overview of what green finance actually is, what it consists of, and how the nations of the Asian continent, especially China, are moving towards its more correct and efficient implementation. The uncertainties and difficulties surrounding green finance will be discussed, as well as the importance of a close collaboration between government and private entities.
There will be an overview of some successful financial maneuvers, policies, regulations, and case studies that can be used as a useful perspective. The first article translated offers a comprehensive outlook on green investment in Asia, while the second one focuses strictly on the Chinese scenario and highlights the uncertainties around the very meaning of green finance and its abuses.
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Ying, Weir Information Systems Technology & Management Australian School of Business UNSW. "Design methodology for ontology-based multi-agent applications (MOMA)." Awarded By:University of New South Wales. Information Systems, Technology & Management, 2009. http://handle.unsw.edu.au/1959.4/40717.
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Software agents and multi-agent systems (MAS) have grown into a very active area of research and commercial development activity. There are many current emerging real-world applications spanning multitude of diverse domains. In the context of agents, ontology has been widely recognised for their significant benefits to interoperability, reusability, and both development and operational aspects of agent systems and applications. Ontology-based multi-agent systems (OBMAS) exploit these advantages in providing intelligent and semantically aware applications. In addressing the lack of support for ontology in existing methodologies for multi-agent development, this thesis proposes a design methodology for the building of such intelligent multi-agent applications called MOMA. This alternative approach focuses on the development of ontology as the driving force of the development process. By allowing the domain and characteristics of utilisation and experimentation to be dictated through ontology, researchers and domain experts can specify the agent application without any knowledge of agent design and lower level programming. Through the use of a structured ontology model and the use of integrated tools, this approach contributes towards the building of semantically aware intelligent applications for use by researchers and domain experts. MOMA is evaluated through case studies in two different domains: financial services and e-Health.
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Topo, Cristina. "Marketing Automation e Multichannel Marketing Hubs. Il caso Arlanis Reply: l’implementazione Marketing Cloud in ambito Finance." Master's thesis, Alma Mater Studiorum - Università di Bologna, 2020.
Find full textAbstract:
Viviamo in un mondo in cui il cambiamento costante è l’unica certezza; un cambiamento che si ripercuote in ogni aspetto della vita dell’uomo.
In questo contesto, caratterizzato anche dalle mutevoli complessità del business, per stare al passo con questi cambiamenti e per svolgere in futuro un ruolo chiave nel panorama internazionale, anche le aziende dovranno adattarsi e, in particolare, il volto della funzione di marketing dovrà cambiare di conseguenza.
Lo scopo di questa tesi è proprio andare a investigare questo adattamento al cambiamento da parte delle aziende: in che modo è cambiato il loro modo di fare Marketing e approcciarsi al consumatore, in che modo la digitalizzazione ha influenzato, supportato e cambiato il business plan aziendale e, in un certo qual modo, la vita stessa del marketer da un lato e del consumatore dall’altro.
Nel corso del lavoro, verrà data particolare importanza all’ambito dei Financial Services, un settore che solo recentemente si è affacciato alle nuove soluzioni rese disponibili dalla tecnologia, per poi focalizzarsi sulle piattaforme che supportano questi nuovi trend di mercato.
Infine sarà presentato uno use-case relativo all’utilizzo della piattaforma di Marketing Cloud (connessa a Service e Sales Cloud) per rispondere alle esigenze di un’azienda operante nell’ambito dei Financial Services. L’obiettivo di quest’ultima è quello di passare da una situazione AS-IS in cui sono presenti un sistema dedicato per la gestione dei lead, MS Dynamics e soluzioni locali per il CRM, ad una soluzione TO-BE in cui verrà implementato Salesforce in tutti i paesi in cui essa opera, con una nuova piattaforma CRM comprensiva di Lead Management System, Marketing Automation e Customer Care.
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Melis, Viviana. "Finanza pubblica e project finance: uno studio su modalità addizionali di impiego: il caso del settore idrico." Doctoral thesis, Luiss Guido Carli, 2008. http://hdl.handle.net/11385/200764.
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Partenariati Pubblico-Privato e Project Financing: inquadramento teorico e specificità. Il ricorso alla finanza pubblica alla finanza privata negli investimenti del settore idrico. Il Project finance nel settore idrico: l'esperienza italiana e il caso Nuove Acque.
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Cogo, Ileana <1990>. "Dalla MIFID 1 alla MIFID 2 attraverso la behavioural finance: case studies a confronto e analisi critiche." Master's Degree Thesis, Università Ca' Foscari Venezia, 2018. http://hdl.handle.net/10579/13482.
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L’instaurazione di una relazione fiduciaria tra l’intermediario ed il clienmte presuppone, necessariamente, la transizione da un modus operandi improntato alla “vendita” del prodotto finanziario, verso una modalità operativa incentrata maggiormente all’aspetto relazionale tra i due attori. Premessa indispensabile a questo scopo è l’osservanza degli obblighi di condotta che disciplinano l’attività degli intermediari finanziari nella prestazione di servizi d’investimento, alla luce dei quali è dovere dello stesso intermediario effettuare, preliminarmente alla prestazione del servizio d’investimento, un’analisi del profilo del cliente / potenziale cliente, ottenendo da questi ogni informazione rilevante che possa contribuire ad una completa, veritiera ed esaustiva comprensione del suo status economico e finanziario nonché delle esigenze, reali o potenziali, dello stesso.
Gli ultimi sviluppi in materia di prestazione di servizi d’investimento vedono ampliare il campo di attenzione delle Autorità competenti alla regolamentazione del mercato finanziario, che guardano all’individuo non più nella sola fattispecie di “agente economico”, ma anche in qualità di “individuo” caratterizzato da propri sentimenti, preferenze, comportamenti: in questo contesto l’investitore estende la sua sostanza, arricchendo le caratteristiche del classico “agente economico” con il complesso comportamentale ed emozionale legato alla sfera “umana”.
L’analisi che segue e si sviluppa nelle pagine successive prende incipit dal contesto normativo disciplinante l’ambito dell’offerta dei servizi finanziari, con specifico focus in merito alla struttura regolamentare che attiene alle modalità di “conoscenza” del cliente/potenziale cliente, al fine di comprendere cosa il regolatore intenda per “valutazione di adeguatezza” dello strumento finanziario rispetto alle caratteristiche del cliente, nell’ottica di garantire la cd. “best execution”.
La capacità del “questionario di adeguatezza” utilizzato dagli intermediari per conoscere il cliente è stata oggetto di riflessioni e critiche, legate in particolare all’incapacità di questo strumento di definire in maniera veritiera il profilo di rischio del cliente, in quanto la struttura dello stesso si è fondata principalmente sul paradigma finanziario classico dell’homo oeconomicus, tralasciando l’aspetto emotivo dell’individuo che, viceversa, nel processo di scelta è empiricamente indotto a commettere errori di ragionamento che portano ad una distorsione nelle risposte alle domande del questionario e, conseguentemente, ad una distorsione nella profilatura.
Quindi l’analisi prosegue analizzando i contributi della cd. finanza comportamentale, allo scopo di comprendere ed evidenziare gli errori sistematici di valutazione. Conoscere il comportamento degli individui di fronte a scelte finanziarie in condizioni di incertezza risulta utile per il processo di debiasing e aggiustamento della profilatura, nonché per proporre spunti di miglioramento al questionario stesso.
Anche i regolatori (sia europei, sia nazionali), negli ultimi anni, hanno cominciato a valutare l’inserimento dei contribuiti apportati dalla finanza comportamentale per adeguare lo strumento di profilatura alle evidenze empiricamente riscontrate. A questo riguardo verranno analizzate le evoluzioni dei questionari di adeguatezza e si valuteranno i miglioramenti nell’attività di profilatura del cliente e di comprensione dell’aspetto più “psicologico” e qualitativo della tolleranza al rischio.
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De, Vidi Lorenzo <1998>. "LA GESTIONE DEL RISCHIO NEI MERCATI E IN BEHAVIORAL FINANCE. VOLATILITY INDEX (VIX) COME RAPPRESENTAZIONE DELLA REALTÀ." Master's Degree Thesis, Università Ca' Foscari Venezia, 2022. http://hdl.handle.net/10579/21877.
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Con la presente tesi si vuole sottoporre ad analisi il concetto di rischio sotto il punto di vista finanziario e sotto il punto di vista comportamentale. A partire dalla dicotomia nella gestione del rischio proposta dai due differenti approcci, andremo in primis ad esporre le modalità di calcolo del fattore rischio in senso strettamente finanziario, mentre in seconda battuta prenderemo in analisi la percezione e gestione dello stesso proposti dalla behavioral finance.
Il legame tra i due differenti approcci è presto spiegato, in quanto esso consiste nella volatilità. Ad essa infatti viene associata una condizione di profonda incertezza che, inevitabilmente, inficia nelle scelte di mercato e contribuisce ad aumentare l’ambiguità nella percezione del rischio.
Posto il fatto che non esista una direzione univoca per stimare il rischio, poiché la definizione stessa di stima spiega essere un tentativo di approssimare il corretto valore, credo fermamente che si possa usare una “mixture” dei due approcci per giungere ad una buona approssimazione.
Il fatto di non conoscere ex-ante le condizioni precise dei possibili output ci porta ad una situazione di estrema incertezza e paura, tanto che la razionalità dei singoli soggetti negli investimenti può venire meno e lasciare spazio a trend di massa. Infatti sono frequenti i casi in cui gli investitori abbiano seguito le aspettative della maggior parte degli investitori, affidandosi al sentiment del mercato.
Soprattutto negli ultimi anni l’indicatore di sentiment di mercato ha assunto profonda rilevanza. Questo è l’indice VIX (Volatility Index), conosciuto anche come "Indice della paura". Andremo a comprendere più nel dettaglio come si costruisce e a testare il suo significato attraverso un questionario sottoposto ad un campione costituito da due tipologie di soggetti: da un lato studenti, o soggetti che non operino professionalmente nel settore finanziario, dall’altro soggetti operanti nel settore. Gli esiti previsti sono che i secondi, vista la loro maggiore alfabetizzazione finanziaria, siano in grado di valutare correttamente il rischio reale, non distaccandosi eccessivamente dal rischio soggettivo percepito, mentre in merito alla prima categoria ci si aspetta che vi possa essere un’allocazione nelle asset class più rischiose maggiore, presupponendo una consapevolezza nella gestione dell'incertezza finanziaria e psicologica minore.
Tra gli scopi di questa tipologia di test vi è comprendere se il Volatility Index sia realmente in grado di fornire una rappresentazione affidabile delle aspettative di mercato, indagando quali emozioni riesce a cogliere maggiormente. Dopo aver sottoposto il questionario al campione, l’idea di fondo è estrapolare le rispettive posizioni verso il rischio ponendosi alla data di analisi e nei 6 mesi precedenti. Lo scopo è quello di rilevare eventuali variazioni di percezione del rischio dei singoli, e delle rispettive categorie, e di confrontarle con gli effettivi valori registrati dal VIX al fine di capire se questo possa essere un indicatore affidabile e misurarne il grado di accuratezza.
Inoltre si desidera tenere traccia di quali possano essere i cambiamenti emozionali dei soggetti relativi ai punti di vista nei due diversi momenti, per comprendere anche se la componente "di pancia" possa influenzare la reale propensione all’investimento. Questo sarà effettuato attraverso le modalità di formulazione delle domande, ove casualmente per una parte del campione saranno di carattere “diretto” mentre per l’altra dovranno essere inserite nel contesto storico in cui viviamo. Questa scelta è stata presa in considerazione del fatto che molto spesso gli individui tendono a porre sotto focus solamente gli eventi accaduti nei pochi giorni precedenti, distaccandosi da una visione d’insieme.
Seguiranno l'analisi dei dati raccolti e le relative considerazioni.
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Letizia, Elisa. "Hierarchy and risk in financial networks." Doctoral thesis, Scuola Normale Superiore, 2018. http://hdl.handle.net/11384/85741.
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Pileggi, Fulvio Carlos. "Identificação e análise dos riscos de um projeto de project finance, sob a ótica do financiador, para uma usina de açúcar e álcool." reponame:Repositório Institucional do FGV, 2010. http://hdl.handle.net/10438/8144.
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Previous issue date: 2010-11-08<br>O setor sucroalcooleiro que, historicamente, já apresentava um alto nível de endividamento, teve sua liquidez piorada quando a crise do subprime americana se instalou em meados de 2008. Apesar do movimento de concentração do setor através de fusões e aquisições e da entrada de grandes players internacionais, a capacidade de investimento do setor continua comprometida. As empresas possuem seus balanços já bastante comprometidos com financiamentos passados e os sócios não conseguem investir em vários projetos ao mesmo tempo. Dentro desse contexto, o Financiamento Estruturado ou Project Finance, como é conhecido, é uma opção muito interessante a ser explorada. Este trabalho tem como objetivo identificar os riscos mais relevantes envolvidos em um financiamento via Project Finance, para uma Usina de Açúcar e Álcool sob a ótica do financiador. É também propósito deste trabalho propor mecanismos de mitigação para esses riscos. Serão apresentados os principais riscos identificados sob a ótica do financiador, os mecanismos para mitigá-los, bem como a apresentação de matrizes de riscos com a contribuição de cada participante. Será considerada para análise uma usina modelo com capacidade de moagem entre 2,5 e 3,0 milhões de toneladas de cana por ano localizada na região centro-oeste do Brasil. Esta análise se baseia em um caso real.<br>The ethanol and sugar sector, which has historically had a high level of debt, had its liquidity worsened when the U.S. subprime crisis was installed in mid-2008. Despite the movement towards concentration in the sector through mergers and acquisitions and the entry of large international players, the ability to invest in the sector remains jeopardized. Companies have their balance sheets already very committed to funding and are unable to invest in several projects simultaneously. Within this context, Project Finance, as it is known, is a very interesting option to be explored. This work aims to identify the most relevant risks involved in financing a sugar and ethanol plant through a Project Finance from the view of the lenders. It is also the purpose of this study to propose mechanisms to mitigate these risks. The study will present the main risks identified from the perspective of the lender, the mechanisms to mitigate them and the presentation of risk matrices with the contribution of each participant. For the analysis model plant will be considered with crushing capacity of between 2.5 and 3.0 million tons per year located in the central-west of Brazil. This analysis is based on a real case.
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Mazzarisi, Piero. "Dynamic network models with applications to finance." Doctoral thesis, Scuola Normale Superiore, 2019. http://hdl.handle.net/11384/85711.
Full textAbstract:
This thesis provides new contributions to the field of network models, in two directions. On one hand, we study statistical models of static networks, in particular by contributing to the problem of community detection when link direction
is taken into account, thus identifying what are the macroscopic structures of interest for the problem and the conditions for detectability [Wilinski et al., 2019].
Then, we introduce novel statistical models of dynamic networks which are able
to capture simultaneously latent dynamics for node-specific characteristics together
with link-specific persistence patterns. While the latent dynamics drives the evolution of the network topologies, such as the node degree, i.e. the number of incident
links to the node, or the community structure, i.e. how nodes connect each other in
forming groups, link persistence preserves the past structure of the network. Within
this context, the contribution of the thesis is twofold, both theoretical and empirical [Mazzarisi et al., 2019a, Barucca et al., 2018]. We develop novel methodologies
to disentangle the two linkage mechanisms in order to learn correctly both latent
variables and static parameters of the models. And we consider also applications to
financial data to reveal genuine patterns of persistence, which reflects the role both
nodes and links have in the process of network formation and evolution.
On the other hand, with a focus on the systemic risk of financial systems, we
present a theoretical study of the expectation feedback mechanism which governs the dynamics of a financial network, thus determining its dynamical stability
[Mazzarisi et al., 2019b]. Any financial system is an expectation feedback system:
the current decisions of financial agents depend on what they expect will occur in the
future. Agents’ decisions affect the price dynamics in illiquid markets. Then, when
expectations are formed by using models of past observations, the price dynamics itself feeds back on agents’ expectations. This is in effect a feedback dynamics. Interestingly, the process of expectation formation by agents and the price dynamics act
on different time scales. In our modeling, it is slow for the agents’ expectations and
fast for the price dynamics. Moreover, the agents’ decisions, given the expectations
formed on the basis of the random price dynamics, is to some extent deterministic,
because they represent the optimal portfolio choice in a heavily regulated market.
This separation of time scales is crucial and we are able to characterize analytically
the feedback dynamics in the asymptotic limit of one time scale infinitely larger than
the other one. Hence, we contribute to the research field of systemic risk with the
first analytical proof (to the best of our knowledge) of how expectation feedbacks
in relation to the estimation of investments’ risk and dependencies determine the
dynamical instability of a financial system.
In line with the two research directions, the thesis is divided in two parts. [...]
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Aschan, Robert, and Mathias Gustafsson. "Relativvärdebaserad investeringsstrategi i industriföretag : Fungerar det och varför kan det fungera?" Thesis, Linköpings universitet, Institutionen för ekonomisk och industriell utveckling, 2011. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-72840.
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Flera tidigare studier har visat att det går att generera överavkastning genom att investera i aktier baserat på olika nyckeltal. Genom relativvärdering ställs företag i relation mot varandra för hitta indikationer på under- eller övervärdering. För att bidra ytterligare till den redan existerande forskningen fokuserar författarna till studien på en specifik bransch, industribranschen. Genom en branschindelning bör jämförbarheten öka mellan nyckeltal. Syftet med studien är att undersöka huruvida det är möjligt att generera överavkastning genom att investera i undervärderade aktier i industribranschen enligt nyckeltalen P/E, DY och P/BV. Resultatet kommer att härledas till och diskuteras utifrån teorier inom Behavioral Finance, för att förstå och förklara resultatet. Undersökningen baseras på en kvantitativ metod där tre nyckeltal har undersökts. Fem portföljer har skapats för respektive nyckeltal under tidsperioden 2001-2010. Vidare har allmänt publicerade rekommendationer samt förändringar i nyckeltalen i extremportföljerna undersökts för att bidra till en underliggande förklaring av resultatet. Studiens resultat stödjer tidigare forskning och vi kan visa att samtliga värdeportföljer presterar bättre än motsvarande tillväxtportföljer för de tre nyckeltalen. Störst överavkastning ger portföljer baserat på ett lågt P/BV. Vi har kunnat statistiskt säkerställa överavkastning mellan värde- och tillväxtportfölj för nyckeltalen P/E och P/BV. Effekten existerar alltså även i en specifik bransch och industribranschen visade upp en starkare effekt än tidigare studier där hela marknaden har undersökts. Vidare drar vi slutsatsen att överoptimistiska analyser leder till för höga förväntningar och i kombination med ett flockbeteende bland investerare är detta en förklarande faktor till studiens resultat.<br>Previous studies have shown the possibility to generate excess returns through investing in stocks based on multiples. A strategy called relative valuation, where companies are compared to one another, aims to find signs of under- or overvaluation. To support existing research, the authors of this study focus on a specific sector, the industrial sector. Supposedly by focusing on one sector the comparability improves. The purpose of the study is to investigate whether it’s possible to generate excess return through investing in undervalued stocks in the industrial sector, according to the multiples P/E, DY and P/BV. Theories from Behavioral Finance will be used to explain, and understand, the result. The study is based on a quantitative method to examine three multiples. During the period 2001-2010 five portfolios were created for each multiple. Publically published recommendations and the change in multiples for the outlying portfolios have been examined to support the explanation for the results. This study supports previous research and shows that, according to the three used multiples, value portfolios perform better than corresponding growth portfolios. The portfolio based on a low P/BV achieves the highest excess return. We can statistically prove that the value portfolios for P/E and P/BV achieve excess returns over their corresponding growth portfolios. The anomaly also exists in a specific sector and the industrial sector proved to have a stronger effect compared to previous studies with a full market research. We can also see that the analyses are overly optimistic and that this leads to high expectations. This in combination with the behavior of herding is a factor explaining the result of the study.
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COSTA, Paulo Ricardo da. "Inova????o no ensino e aprendizagem em finan??as: an??lise da literatura entre 2005 e 2015." FECAP, 2015. http://tede.fecap.br:8080/jspui/handle/jspui/699.
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Previous issue date: 2015-09-08<br>In 2012, according to Census conducted by the ???InstitutoNacional de Estudos e PesquisasEducacionaisAn??sio Teixeira??? (INEP)(2012), Brazil had 2,416 IES and more than seven million students enrolled. Only considering the Administration, Accounting and Economics courses (examples of courses in which finance subjects are taught), more than two thousand and six hundred courses were identified. There is a lack of research focused on teaching and learning in finance, hence this study explores innovation in teaching and pedagogical practices of education in finance. Considering the shortage of articles published in Portuguese about this subject, it was decided to carry out a bibliometric analysis in two international journals from 2005 to 2015. With 83 selected articles that are directly related to the theme, the main results show: (i) not necessarily the process of innovation in teaching and learning of finance is linked directly to the use of technological methods, Cognitive and Humanist approaches are linked to pedagogical techniques that can be used inside or outside the classroom; (ii) in this study the authors mostly used by researchers are presented, also demonstrates techniques like: Learning in Practice, Teamwork, Using Spreadsheets, Online tools, among others as the most used by researchers; (iii) in this study are presented teaching techniques, but without qualifying which technique is better or worse, but to show that there are innovative approaches that teachers, university administrators and other interested in the topic can apply with students.<br>Em 2012, de acordo com Censo realizado pelo Instituto Nacional de Estudos e Pesquisas Educacionais An??sio Teixeira (INEP)(2012) o Brasil tinha 2.416 IES e mais de sete milh??es de alunos matriculados. Somente considerando os cursos de Administra????o, Ci??ncias Cont??beis e Ci??ncias Econ??micas (exemplos de cursos nos quais as mat??rias de Finan??as s??o ensinadas), foram identificados mais de dois mil e seiscentos cursos. Existe escassez de pesquisas voltadas para ensino e aprendizagem em finan??as,consequentemente, este estudo explora a inova????o nas pr??ticas did??ticas e pedag??gicas do ensino em finan??as.Considerandoa escassez de artigos em l??ngua portuguesa publicados sobre o tema, optou-se por realizar uma an??lise bibliom??trica em dois peri??dicos estrangeiros no per??odo de 2005 a 2015. Com 83 artigos selecionados que est??o relacionados diretamente com o tema, os principais resultados apontam: (i) n??o necessariamente o processo de inova????o no ensino eaprendizagem de finan??as est?? ligado diretamente ?? utiliza????o de m??todos tecnol??gicos, encontram-se as abordagens Cognitivista ou Humanista que est??o ligadas ?? utiliza????o de t??cnicas pedag??gicas dentro ou fora da sala de aula; (ii) neste estudo, s??o apresentados os autores mais utilizados pelos pesquisadores edemonstram-se, tamb??m, t??cnicas como: Aprendendo na Pr??tica, Trabalho em Equipe, Utiliza????o de Planilhas Eletr??nicas, Ferramentas Online, entre outras, como sendo as mais utilizadas pelos pesquisadores; (iii) neste estudo. s??o apresentadas t??cnicas de ensino, por??m, sem qualificar qual t??cnica ?? a melhor ou pior, e sim demonstrando que existem abordagens inovadoras que professores, gestores universit??rios ou outros interessados no tema podem aplicar com os alunos.
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Candia, Riga. "Pathwise functional calculus and applications to continuous-time finance." Doctoral thesis, Scuola Normale Superiore, 2015. http://hdl.handle.net/11384/85699.
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This thesis develops a mathematical framework for the analysis of continuous-
time trading strategies which, in contrast to the classical setting of
continuous-time finance, does not rely on stochastic integrals or other probabilistic
notions.
Using the recently developed `non-anticipative functional calculus', we
first develop a pathwise definition of the gain process for a large class of
continuous-time trading strategies which include the important class of delta-hedging
strategies, as well as a pathwise definition of the self-financing condition.
Using these concepts, we propose a framework for analyzing the performance
and robustness of delta-hedging strategies for path-dependent derivatives
across a given set of scenarios. Our setting allows for general path-dependent
payoffs and does not require any probabilistic assumption on the
dynamics of the underlying asset, thereby extending previous results on robustness
of hedging strategies in the setting of diffusion models. We obtain a
pathwise formula for the hedging error for a general path-dependent derivative
and provide sufficient conditions ensuring the robustness of the delta
hedge. We show in particular that robust hedges may be obtained in a large
class of continuous exponential martingale models under a vertical convexity
condition on the payoffs functional. Under the same conditions, we show that
discontinuities in the underlying asset always deteriorate the hedging performance.
These results are applied to the case of Asian options and barrier
options.
The last chapter, independent of the rest of the thesis, proposes a novel
method, jointly developed with Andrea Pascucci and Stefano Pagliarani, for
analytical approximations in local volatility models with Lévy jumps. The
main result is an expansion of the characteristic function in a local Lévy
model, which is worked out in the Fourier space by considering the adjoint
formulation of the pricing problem. Combined with standard Fourier methods,
our result provides effcient and accurate pricing formulae. In the case
of Gaussian jumps, we also derive an explicit approximation of the transition
density of the underlying process by a heat kernel expansion; the approximation
is obtained in two ways: using PIDE techniques and working in the
Fourier space. Numerical tests confirm the effectiveness of the method.
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Jaruwachirathanakul, Bussakorn. "Determinants of internet banking adoption in Thailand." Thesis, Edith Cowan University, Research Online, Perth, Western Australia, 2003. https://ro.ecu.edu.au/theses/1490.
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Increasingly competition in the financial services sector is forcing service providers to develop and utilise alternative delivery channels (Daniel, 1999). Within the sector, banking has always been a highly service intensive activity that relies heavily on technology to acquire, process, and deliver services and information to consumers (Tan & Teo, 2000). The emergence of the Internet has provided a way for banks to improve the efficiency of their service delivery and to gain a competitive advantage by reducing the number of brick-and-mortar branches. The study investigated the adoption of lnternet banking services in Thailand and is based on the premise that consumers' perspectives have a greater impact on adoption than those of banks who are the service providers. Data was therefore collected from potential Thai consumers of lnternet banking services by using a questionnaire survey. The response rate was high (84%) which resulted in 506 valid questionnaires being collected. The study's key findings were presented to a group of Internet banks in Thailand to establish their concurrence and to develop and recommend appropriate strategies to them. To gain insight into consumer behaviour, theories on the acceptance of innovation were examined. This study is based on the Decomposed Theory of Planned Behaviour by Taylor & Todd (1995) which was developed from Ajzen & Fishbein's (1980) Theory of Planned Behaviour. These theories provide a well-accepted intention model that has been shown to be successful in predicting and explaining human behaviour across three domains: attitude, perceived behavioural control and subjective norms. Also considered in this study is the Innovation Diffusion Theory by Rogers (1983). This theory explains that the rate of innovation adoption is affected by an individual's perception of relative advantage, compatibility, complexity, trialability and observability. Tile study found that the intention to adopt Internet banking by Thai consumers is encouraged by altitudinal factors and impeded by a perceived behavioural control factor, but not by subjective norms (i.e. the 'Culture' factor). The attitudinal factors that were found to encourage the adoption of Internet banking in Thailand most are ‘Features of the Web Site' and 'Perceived Usefulness', while the most significant impediment to adoption is a perceived behavioural control, namely 'External Environment'. In relation to the lnnovation Diffusion Theory, only relative advantages (identified as 'Perceived Usefulness') and complexity ('ease of use', an item of 'Features of the Web Site') were found to be significant to adopting Internet banking. The significant moderating factors influencing the adoption of Internet banking by Thai consumers are gender, educational level, income, Internet experience and Internet banking experience, but not age. It was found, however, that the stand out moderators are income and Internet experience as they each affect the most significant encouragement and impediment factors. As to what strategies Thai banks should adopt to facilitate Internet banking, both supplier 'push' and market 'pull' strategies need to be implemented. As encouragement factors are factors that banks can control, Internet banks should 'push' consumers' positive perceptions of internet banking, thereby increasing the rate of service adoption. Potential impediments to Internet banking adoption should be reduced although they cannot be directly controlled by banks. Banks should attempt to influence the Internet banking market in order to enhance this service in Thailand through market 'pull' strategies. Previous research has mainly focused on innovation adoption in the context of North America and Europe and to some extent other developed countries such as Singapore. This study extends the research on IT adoption to a developing country. The study is one of few that have applied adoption theories in an Internet environment. In addition, the study is useful in the specific research domain. It was successful in establishing key factors in the adoption of internet banking in Thailand. Internet banks can use this knowledge in their quest to increase their online customers. Non-Internet banks can consider their abilities and readiness based on these findings before moving into the Internet banking arena.
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Rampazo, Filho José Luiz. "Financiamento dos investimentos em infra-estrutura no Brasil: o Project Finance como alternativa." Pontifícia Universidade Católica de São Paulo, 2006. https://tede2.pucsp.br/handle/handle/9286.
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Previous issue date: 2006-07-06<br>Coordenação de Aperfeiçoamento de Pessoal de Nível Superior<br>Os investimentos em infra-estrutura são fundamentais para o desenvolvimento sócio-econômico de um país. Historicamente nos países em desenvolvimento esses investimentos têm sido feitos pelo setor público. No entanto, a partir da década de 70, com as seguidas crises financeiras que assolaram esses países, o setor público comprometeu totalmente sua capacidade de financiar esse tipo de investimento. A saída encontrada para esses governos diante do esgotamento desse modelo de financiamento foi uma mudança de papel do Estado de gestor e executor desses investimentos para simples regulador. Isso se deu pela transferência de ativos estatais para o setor privado através dos programas de privatização. Aliado a isso, as transformações estruturais no sistema financeiro internacional têm levado ao fortalecimento do mercado de capitais em várias partes do mundo, proporcionando a busca por novas formas de investimentos. E é nesse contexto que o Project Finance se enquadra. No Brasil, essa tendência não foi diferente. A partir do final dos anos 70 e começo da década de 80, houve queda dos investimentos públicos em infra-estrutura, e a descentralização fiscal iniciada nos anos 80 levou aos governos locais novas responsabilidades sócio-econômicas com escassez de recursos orçamentários. Esse trabalho tem a finalidade de analisar a viabilidade do Project Finance como um mecanismo facilitador para os municípios financiarem os investimentos em infra-estrutura tão importantes para seus habitantes. O caso estudado do setor de saneamento básico no município de Ribeirão Preto verificou quais são as vantagens e desvantagens de uma operação de Project Finance no Brasil, levando em consideração o arcabouço institucional aqui presente. Além disso, foi possível detectar como o setor privado atua em operações de infra-estrutura com recursos públicos, prática que ao nosso ver deveria ser mudada
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Rambaldi, Marcello. "Some applications of Hawkes point processes to high frequency finance." Doctoral thesis, Scuola Normale Superiore, 2017. http://hdl.handle.net/11384/85718.
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Kim, Minjoo. "Surviving in an Amazon World: Is Amazon.com's Real Estate Strategy in the Inland Empire Sustainable?" Scholarship @ Claremont, 2016. http://scholarship.claremont.edu/scripps_theses/748.
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Amazon continues to introduce and establish revolutionary online retail market standards, reflective of their fundamental business philosophy of providing customers compelling value with an emphasis on long-term profitability and capital management. Amazon’s strategic real estate decision to choose the Inland Empire for its fulfillment centers suggests a high level of confidence in the region. By applying theories from Nourse, Roulac and Porter, greater understanding for Amazon’s value chain and competitive advantage, as well as variables for Inland Empire’s appeal will be analyzed. In addition, local market data compiled by commercial real estate services companies will be used to determine the effectiveness and sustainability of Amazon’s real estate strategy in the Inland Empire.
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Limbach, Peter [Verfasser], and M. E. [Akademischer Betreuer] Ruckes. "The Role of Reputation in Corporate Finance: Evidence from Corporate Bonds, Delegated Monitoring, and Corporate Name Changes / Peter Limbach. Betreuer: M. E. Ruckes." Karlsruhe : KIT-Bibliothek, 2012. http://d-nb.info/1019790148/34.
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Gibson, James B. "Three Essays on Fiscal Stress and Financial Stability in State Government Finance." UKnowledge, 2013. http://uknowledge.uky.edu/msppa_etds/4.
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State government finance is a substantial endeavor in the United States. The management of a multitude of revenues and expenditures often involves some level of fiscal stress. In an age of increased public scrutiny, policymakers must be mindful of possible causes of fiscal stress, and the policy options available to mitigate fiscal stress and increase financial stability. This dissertation contains three essays that examine different elements of fiscal stress, and in some cases, the applicable policy responses.
Chapter two examines rainy day funds and their countercyclical goal of reducing recessionary fiscal stress. This essay takes a different approach from much of the literature, by using forecast residuals to quantify fiscal stress as tax revenue volatility and searching for any relationship between rainy day funds and states that had greater volatility. Empirical results indicate states that experience positive residuals, that is actual tax revenues greater than the forecast trend line, had greater rainy day fund balances.
Chapter three focuses on the problem of lost revenues facing states from e-commerce. Due to Supreme Court decisions, businesses that do not have a physical location, or nexus, in a state are not required to collect sales and use taxes. To date, the policy response to lost revenue that has gained the most traction is the Streamlined Sales and Use Tax Agreement. Results indicate that states with local option sales taxes and higher sales tax rates were more likely to adopt this agreement.
Chapter four scrutinizes state unemployment trust funds, which are used to fund state unemployment insurance programs. If state funds run short of money during recessions due to the larger number of individuals drawing benefits, then states must borrow from the federal government’s unemployment trust fund. This creates another liability that must be managed by state governments. Empirical findings show that several features of programs affect balances and the probability of taking a loan from the federal fund including the taxable wage base, weekly benefits, and unemployment tax rates. This dissertation concludes by summarizing the results and exploring future research possibilities on the three essay topics.
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Castro, Lavinia Barros de. "Financiamento do desenvolvimento: teoria, experi?ncia coreana (1950-80) e reflex?es comparativas ao caso brasileiro." Universidade Federal Rural do Rio de Janeiro, 2006. https://tede.ufrrj.br/jspui/handle/tede/681.
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Previous issue date: 2006-09-15<br>The purpose of this work is to analyze investment finance in economic development. The central hypothesis of this study is that the Korean and Brazilian financial structure offers us an important key to understand their swift to industrialization during the period 1950-80.
Numerous comparisons have been made between Brazil and Korea, most of them stressing the differences and similarities of the industrial development (catch up). Few analyses emphasizes (and compare) the evolution of financial systems. Also, most treatments of finance are static, missing the Gerschenkronian developmental perspective which would tell us that a credit system based in equity and securities markets is an artifact of early industrialization (as it is the case of England and U.S industrialization), and that the model of state or bank-influenced industrialization is a consequence of lateness vis-?-vis the absence of abundant capital in the private sector.
This thesis is organized in four different and independent articles. Article I is a review on the literature about investment finance. Article II examines Korean economic and financial development during the period 1950-80. The third article is a shorter essay, presenting a panel data model to test the relevance of banking finance in explaining economic growth in the case of Korea during the 1950s and the 1960s. Finally, the fourth compares Brazilian and Korean development outcomes (1950-80) in a broad sense. Together, the articles form a set that discusses the needs and challenges of investment finance in economic development, using two late-late-comers experiences.<br>O objetivo desta tese ? analisar o processo de financiamento do desenvolvimento em duas experi?ncias de industrializa??o tardia. A hip?tese central deste estudo ? que as estruturas financeiras da Cor?ia e do Brasil desempenharam um papel fundamental na transforma??o de economias de base agr?cola para economias de base industrial, ao longo do per?odo 1950-80.
Diversas compara??es j? foram feitas entre o desenvolvimento industrial brasileiro e coreano, enfatizando o processo de catch up. Poucas an?lises, por?m, enfatizam e comparam a evolu??o dos sistemas financeiros. Al?m disso, a maioria dos estudos financeiros comparativos s?o est?ticos, sem uma perspectiva hist?rico-institucional. S?o, por isso, desprovidos do insight Gershenkroniano que nos alerta que uma estrutura financeira baseada em mercado de capitais ? comum em pa?ses que se industrializaram precocemente, como a Inglaterra e os EUA. Alternativamente, estruturas baseadas no cr?dito banc?rio privado ou estatal s?o uma conseq??ncia do atraso (lateness); uma resposta adaptativa ? escassez de recursos de capital.
Esta tese ? organizada em quarto artigos, independentes entre si. O primeiro artigo ? uma revis?o da literatura sobre o financiamento do desenvolvimento. O segundo examina o desenvolvimento econ?mico e financeiro da Cor?ia durante o per?odo 1950-80. O terceiro ? um ensaio mais curto, onde apresentamos um modelo econom?trico de painel, cruzando dados de cr?dito banc?rio setorial com dados de produ??o industrial coreana nos anos 1950 e 1960. Por fim, o quarto artigo compara os processos de desenvolvimento coreano e brasileiro numa perspectiva ampla, ressaltando as alternativas institucionais para o financiamento do desenvolvimento (1950-80). Juntos, os artigos formam um conjunto que discute as necessidades e desafios para o financiamento do investimento em pa?ses emergentes, utilizando duas experi?ncias de industrializa??o tardia.
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Enzminger, Daniel Douglas. "The Last Mile Solution: E-commerce and Metropolitan Industrial Rent Growth." Scholarship @ Claremont, 2018. http://scholarship.claremont.edu/cmc_theses/1756.
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This paper formally analyzes the role of e-commerce revenue in explaining the changes in industrial rents in the 206 largest Metropolitan Statistical Areas. To analyze this connection, I match commercial real estate data from CoStar, market data from the U.S. Census Bureau, and an estimation of MSA level e-commerce. The results from the generalized least squares model indicate that e-commerce revenue positively affects asking rent and rent growth. This suggests that new fulfillment practices from e-commerce companies are disrupting metropolitan area industrial markets.
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Camargo, Bruno Rodrigues. "The role of search frictions in the access to finance by firms." reponame:Repositório Institucional do FGV, 2018. http://hdl.handle.net/10438/24490.
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Previous issue date: 2018-06-28<br>In this thesis I empirically investigate the role of non-price related search frictions in the access to finance by firms. The focus is on the relationship between these factors and how their variation in time can affect access to finance. The study uses a rich dataset of small, medium and large firms from 109 countries, mostly of them emerging economies, and of country related search friction indicators. Results show that banking outreach indicators and informational infrastructure are strongly associated with access to finance. The percentage of internet users and its variation are the most relevant of the informational variables, especially for small and medium enterprises. For large firms, the changes in fixed phone subscriptions and in the proportion of branches by population are the most relevant frictions. Results shed light on the already identifiable role of internet on financial inclusion of SMEs, and on the difference search frictions make in the access to finance depending on firm’s size.<br>Esta dissertação investiga empiricamente o papel das fricções de busca não relacionadas a preços no acesso a financiamento por empresas. O foco está na relação entre elas, bem como no efeito das mudanças nesses indicadores nos níveis de acesso a financiamento. O estudo usa um rico conjunto de dados de pequenas, médias e grandes empresas de 109 países, a maioria países em desenvolvimento, e de indicadores de fricção de busca por país. Os resultados mostram que os indicadores de alcance bancário e de infraestrutura informacional estão fortemente associados ao acesso a financiamento. A porcentagem de usuários da internet e a sua variação são as mais relevantes dentre as variáveis informacionais, especialmente para pequenas e médias empresas. Para as grandes empresas, as variações no número de assinaturas de telefonia fixa e na proporção de agências bancárias pela população são mais relevantes. Os resultados esclarecem o papel já identificável da internet na inclusão financeira de PMEs e a diferença que as fricções de busca fazem no acesso a financiamento dependendo do tamanho da empresa.
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Taranto, Damian Eduardo. "Price formation and liquidity modeling in high frequency finance." Doctoral thesis, Scuola Normale Superiore, 2017. http://hdl.handle.net/11384/85727.
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Lin, Ta-Wei, and 林大為. "Study on the Security of E-Finance System." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/25160402747593028380.
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碩士<br>淡江大學<br>資訊工程學系碩士在職專班<br>100<br>With the popularization of internet, it is very common using internet bank to perform on-line accounts transferring at home. In order to guarantee the transaction security, the internet bank has possessed various kinds of safety and security mechanisms. For instance, the internet bank provides users’ authentication, SSL, Smart Card identification, one-time password and other methods. Despite this efforts, it is still difficult to lockout all kind of attacks. For example, most internet banks use Microsoft IE as the base platform, in which Active X and JScript are used. It turns out that the browser of client can only use IE to do the deal. Since Microsoft equips very strong function for plug-in developer in IE, it makes that tracing the transaction activities very easy. Furthermore, one can use BHO to overwrite transaction
information without being discovered.
This research investigates the security and safety issues of transactions of internet bank. Specially, we focus on the risk due to the adoption of BHO technology.
The method of security improvement and prevention will be proposed.
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Marcos, José Francisco Cardoso. "Fundamentos e causas do reequilíbrio financeiro em project finance." Master's thesis, 2018. http://hdl.handle.net/10400.14/27153.
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Cheng, Kai Fan, and 鄭凱帆. "Merchant and E-commerce Finance: FinTech Based Business Models." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/fn7sfz.
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碩士<br>國立政治大學<br>經營管理碩士學程(EMBA)<br>106<br>Small and medium enterprises (SMEs) account for a majority of the job market, So SMEs to promote national economic stability. In recent years, the international economic depression, affecting the financing difficulties of SMEs, which led to small and medium enterprises have the reduction of output, even bankrupt of the situation. Therefore, how to solve the problem of SME financing is the focus of government and society. This paper will discuss the current situation and difficulties of SME financing, and how to improve the financing difficulties of small and medium enterprises through Financial Technology (FinTech).
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Chiang, Wen-Chung, and 蔣文仲. "Depository Financial Intermediary’s E-Finance Strategies －An Option-Based Valuation." Thesis, 2004. http://ndltd.ncl.edu.tw/handle/02569102787421367209.
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碩士<br>淡江大學<br>國際貿易學系國際企業學碩士班<br>94<br>We use a two-stage, two-period option-based model to study how capital regulation, asymmetric information, strategic e-finance and the depository financial intermediary’s optimal deposit rate relate to one another. We found that e-finance can be treated as not only a technology but also a strategy. Once we treated that e-finance is a technology, we found that the depository financial intermediary can use the Internet to supplant its branches under the strategic complements in the strategic asset-liability management. Once we treated that e-finance is a strategy, we found that an increase in the capital requirements and asymmetrical information provide incentives for the intermediary’s developing e-finance under the strategic e-finance complements. Since our findings provide an alternative explanation for e-finance literature.
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Chen, Jung-Hsin, and 陳榮信. "Service Oriented Architecture Based Re-engineering for Finance E-Commerce Platform." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/98320852159605122163.
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碩士<br>東海大學<br>資訊工程與科學系碩士在職專班<br>96<br>Financial banking services have gradually changed from brick-and-mortar services into internet transaction services, following the renovation of information technology. This also has affected how customers dealing with banks. Therefore , emerging E-Commerce has taken over the traditional transaction method gradually. To keep up with the growing demands from customers and satisfy their various needs with cost-saving IT development strategy has become important issues for financial industries.
Banking services used to focus on doing all transactions face-to-face; however , they are developing various electronic financial transaction interfaces to meet the current business needs. Nevertheless, there has been a lot of transaction systems with similar functions which are generated in order to cope with business requirements in every stage. How to maintain those systems and to swiftly meet customers' new demands without wasting manpower would be an important issue for managers in IT departments.
Taking electronic financial platform in banking industry as an example , this article attempts to develop a framework that can fulfill the needs of fast integration and re-useable system modules.
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梁勝亮. "The Research of e-Finance -- A Case Study of E.Sun Bank." Thesis, 2005. http://ndltd.ncl.edu.tw/handle/97187202255653942753.
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碩士<br>國立彰化師範大學<br>會計學系企業高階管理<br>93<br>Abstract
The purpose of this research is to discuss the critical success factors of e-Finance in Taiwan. The interview with experts and the Delphi Technique is applied in this research. The related literatures were collected, analyzed and induced in the literatures review to find out the critical success factors of e-Finance in Taiwan. The findings from literatures review were the foundation of developing the questionnaire of the Delphi Technique in this research.
The data from the Delphi technique were analyzed by the description statistics analysis, such us average, standard deviation, and Mode, etc. Two conclusions were obtained in this research. First, there are five principal critical success factors of e-Finance in Taiwan, including “e-Finance influenced by the internal and external environmental factors”, “service construct”, “consumers’ right and lawful protection”, “risk construct”, and “business performance”.
Second, the top 10 important items derived from the five critical success factors are as follows, “the financial institutions should keep the thorough e-transaction security”, “the web-banks highly bear in mind the interest of its’ customers’ benefits”, “the web-banks bear in mind the interest of its’ customers’ private secrets”, “the security of customers’ web financial properties can be ensured by e-transaction”, “the personnel secret information of customers’ can be assured by web-site”, “the sufficiently transactional security by perfectly planning and well risky management”, “the supportive degree from the CEOs and the primary policymakers”, “the banks can provide the varied personnel service to satisfy the customers’ unique requirement”, “the banks can provide the variedly plentiful and instant on-line information on the web-site”, “the staffs of the customer service department should have the professional knowledge in manage finances”.
Keywords: financial industry, critical success factor, e-transactio ,Delphi technique
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Fan, Gang-Lin, and 范綱麟. "The Effectiveness of General Finance E-learning Training for Expatriate Managers." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/07190964867467616228.
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碩士<br>國立臺灣師範大學<br>科技應用與人力資源發展學系<br>102<br>In recent years, under the trend of globalization and the rapid development of technology, many enterprises have been actively involved in international markets and to seek for overseas business opportunities. They also expatriate managers to overseas branches to expand their commercial territories. Expatriate managers are in charge of overseas branches, so their continuous training and development to improve their knowledge and skills are particularly important. An airlines company in Taiwan, which requires its 118 expatriate managers to attend a series of e-learning courses of general finance, was selected as a case. This study aimed to assess the effectiveness of the e-learning training by the Kirkpatrick’s four-level evaluation model. Consequently the following results are obtained: (1) In terms of Levels I-III(Reaction, Learning and Behavior), expatriate managers learning effectiveness are acceptable；(2) There are significant differences of learning satisfaction by managers’ expatriate seniorities and education levels；(3) There is a significant positive correlation between managers’ learning satisfaction and learning achievement；(4) There is a significant positive correlation between managers’ learning achievement and application.
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Jesus, Micaela Sofia Moreira de. "A nova regulação bancária e os seus efeitos no Project Finance." Master's thesis, 2017. http://hdl.handle.net/10400.14/21755.
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Chang, Kuo-Jung, and 張國榮. "The Research on E-Learning Processes of Sales Representative in Finance Enterprise." Thesis, 2004. http://ndltd.ncl.edu.tw/handle/29871626013342598754.
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Hou, Ya-Ling, and 侯雅齡. "A Symbolic Interactionism Model For e-Learning Behavior ：The case of Finance Institution." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/80070580534715205258.
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碩士<br>朝陽科技大學<br>企業管理系碩士班<br>96<br>In the era of knowledge-based economy, intellectual capital is the key point for sustainable management and training and development of human resourse have become an important topic. Moreover, e-learning plays an essential role in the management of knowledge. It could improve the efficiency and effect of corporation integral training, assist employees learning varied knowledge and skills efficiently without the restriction of time and location, and disseminate and accumulate the knowledge appropriately.
In this research, qualitative research methods were applied on users of e-learning system. Based on grounded theory and symbolic interactionism, in-depth interviews and secondary data collection were used. The influential factors affecting for using e-learning system included personal factors, organization factors, system factors and social factors. The symbols for e-learning system usages were co-work partners, knowledge platform, and organization image. Based on the analysis process of symbolic interactionism, e-Learning user will consider background factors, reaction circumstances and previous learning behaviors to give a preliminary explanation of e-Learning system. Also the e-Learning user can has different individual and system role to make influence of learning behavior that can be continuously modified and changed. The e-Learning interaction model was constructed and seven propositions were concluded based on the analyzed results:
Proposition 1: E-learners have different meanings for e-learning system when they face different interaction situations.
Proposition 2: Different e-learners have different symbolic meanings for e-learning system.
Proposition 3: The e-learning behaviors of e-learners are affected by previous e-learning behaviors.
Proposition 4: The symbol explanations of e-learning system for e-learners are affected by background, interaction situation and previous e-learning behaviors.
Proposition 5: E-learners modify their roles during learning process.
Proposition 6: The e-learning behaviors are affected be role identification of e-learners.
Proposition 7: There could be positive and negative effects for learners if the e-learning system is adopted.
In conclusion, there are few suggestions for future establishment of e-learning system in the adaption, implemention, and usage stages. In the adaption stage, attractions of system knowledge, interface applicability, and organization support should be considered. In the implemention stage, building evaluation standard on organization system and enhancing coordination between system and employee requirement ought to be calculated. Finally in the usage stage, manager should focus on elevating organizational commitment, strengthening learning culture of organization, promoting corporate image and customer satisfaction, reducing hours of employee training and turnover rate.
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Faias, José Afonso de Carvalho Tavares. "Three essays in finance." Doctoral thesis, 2010. http://hdl.handle.net/10362/119709.
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Tsai, I.-Chen, and 蔡宜蓁. "A Study of the Intention to Use E-Service on the Finance Insurance Products." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/t2vk8v.
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碩士<br>國立臺灣海洋大學<br>航運管理學系<br>105<br>Combined with tablet PC and APPs, individual finance and insurance providing 24 hours mobile services including purchasing insurance,mobile payment of claims,and mobile data revision, which is quite different from traditional insurance services. Mobile insurance promote service efficiency, cost down in both labor and paper, further maximize utility for both buyer and seller of insurance product. With data collected in Taiwan, this study generated 404 valid questionnaires. This study investigate the relationship between perceived usefulness, perceived ease of use, attitude, and behavioral intention via SEM analysis. Analytic results revealed that both perceived usefulness and perceived ease of use positive significant influence attitude, attitude positive significant influence behavioral intention. Finally, this study provide suggestions for both practical and academic fields.