Academic literature on the topic 'E-KYC'
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Journal articles on the topic "E-KYC"
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Chakraborty, Soham, Akhil Boddul, Vivek Patil, Ganesh Raje, and Prof Ujwala Gaikwad. "E-KYC System Using Blockchain." International Journal for Research in Applied Science and Engineering Technology 11, no. 7 (July 31, 2023): 1174–81. http://dx.doi.org/10.22214/ijraset.2023.54834.
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Abstract: Know your client or simply KYC, is a process utilized by businesses and financial institutions to identify their clients and evaluate any potential risks associated with illegal intentions and unethical behavior. The term KYC often refers to bank regulations and anti-money laundering regulations aimed at governing these activities. Due to concerns over bribery and unethical behavior, companies of all sizes are required to implement KYC to ensure their agents, consultants, and distributors comply with anti-bribery regulations. Despite the use of traditional KYC systems, there are limitations to their effectiveness. To address these limitations, a proposed system has been developed that uses the immutable nature of Distributed Ledger Technology (DLT) to create a tamper-proof system. This system enables customers and financial institutions to verify and record KYC documents on the DLT, providing greater efficiency, cost reduction, improved customer experience, and end-to-end transparency in integrating customer documents into the bank's database. Additionally, this system eliminates the need for repeated KYC checks performed by banks through the creation of a secure and common blockchain database. The blockchain's secure nature ensures that unauthorized changes to the data are immediately invalidated and the use of a proof-of-reputation concept makes the verification process more robust.
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Auti, Mr Suryakant. "Trustworthy E-KYC Systems Using Blockchain." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 04 (April 30, 2024): 1–5. http://dx.doi.org/10.55041/ijsrem31582.
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In today’s world, Leveraging technological advancements, such as digital identity verification and biometric authentication, has streamlined and modernized KYC processes. These innovations not only enhance efficiency but also contribute to a more user-friendly experience for customers. In this contemporary landscape, staying informed about evolving regulations and industry-specific practices is indispensable for effective KYC implementation. Financial institutions must continuously adapt to the changing regulatory environment and leverage technological solutions to maintain the integrity of their KYC processes. This proactive approach is crucial not only for compliance but also for building trust between customers and stakeholders in an era where financial security and transparency are paramount. KYC procedures have been simplified and brought up to date by utilizing technology innovations like biometric authentication and digital identity verification. These advancements contribute to a more user-friendly experience for customers in addition to increasing efficiency. Keeping up with changing laws and sector-specific procedures is essential for implementing KYC successfully in the modern world. It is imperative for financial institutions to consistently adjust to the dynamic regulatory landscape and utilize technological advancements to uphold the integrity of their KYC procedures. This proactive strategy is essential for both compliance and fostering stakeholder and customer trust in a time when financial stability and openness are critical. Index Terms – KYC - know your customer, AML - anti-money laundering, CTF - counter-terrorism financing Keywords – KYC, blockchain, etherium, encryption, compression
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Elinzano, Gerand Boy O., and Michelle Renee D. Ching. "Factors that leads to Adoption and Use of Online Bank Account Opening through e-KYC using UTAUT and its Extensions." RSF Conference Series: Engineering and Technology 2, no. 1 (April 22, 2022): 85–94. http://dx.doi.org/10.31098/cset.v2i1.508.
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Financial Inclusion has been determined as one of the factors affecting national development. Bank account opening provides opportunity to more banking services and as such central banks have been supporting the use of Electronic-Know-Your-Customer (e-KYC) even before COVID-19 pandemic. While the benefits of e-KYC for the banks and its customers are clear, the widespread use of such process for account opening is still in its early adoption stage. This research employed a quantitative method by adopting the Unified Theory of Acceptance and Use of Technology as as theoretical foundation and extension constructs and determined the factors affecting the use and adoption of e-KYC for online bank account opening. As a result, facilitating conditions and perceived security were found to be significant factors affecting the intension to use e-KYC. Through this research, it was able to validate the use of the research model in studying e-KYC adoption and provided management key areas leading to e-KYC use that they may focus on.
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Shinde, Tejas, Devanshi Wadkar, Tanuj Gupta, Samarjeet Kunjeer, and Anuradha Deokar. "Decentralized E-KYC Blockchain Network for Central Bank." International Journal for Research in Applied Science and Engineering Technology 11, no. 3 (March 31, 2023): 2003–13. http://dx.doi.org/10.22214/ijraset.2023.49860.
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Abstract: Know Your Customer or KYC processes are the backbones of a financial institution’s anti-money laundering efforts. KYC processes are mandatory in most of Europe and India. Almost all countries have their own process for identifying and keeping a record of their citizens like the USA has Social Security Protocol. According to current estimates, the amount of KYC spending rose to up to $1.8 Billion in 2021 on a global level. Despite the importance of the process, KYC continues to operate inefficiently. KYC processes are labor-intensive and time-consuming tasks. It is estimated that 80% of KYC efforts go in gathering information and processing while only 20% of efforts are evaluating and monitoring focused. This centralization of data is causing an inefficient KYC process and creating issues like :- Misidentification of fraudulent data , Inability of tracking customers, customers entering fake data(address, age etc) , delayed processing time and very high cost of processing. Reimagining KYC Using Blockchain Technology will enable seamless and secure data exchange at a fraction of the cost. A decentralized blockchain network will Facilitate near real-time data exchange. Blockchain when used with other technologies can indicate great potential to help organizations reduce the cost and time linked with the KYC process. The introduction of blockchain in KYC brings data on a decentralized network which also has its own pros like distributed data collection ,higher operational efficiency , validation of accuracy of the information. The customer will build their profile on the DCT KYC network. There are multiple options to store the data like Centralized encrypted servers, DCT platforms like IPFS(Interplanetary File System). Customers will perform transactions with Financial Institutions by giving them access to users profile( restricted non-appendable access),Using hashing and cryptographic processes the data would safely be called and returned to the DCT network . Thus making sure the whole process is immutable .
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Putra, Diego Belva, M. Abd Malik Hakim, and Bambang Nurdewanto. "Implementasi Electronic-Know Your Customer pada aplikasi Fintech untuk meningkatkan keamanan akun user." Journal of Information System and Application Development 1, no. 2 (September 30, 2023): 111–20. http://dx.doi.org/10.26905/jisad.v1i2.11112.
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The information technology development can make financial transactions easier, but the security of Fintech applications such as Bangbeli is a critical issue that can be addressed through the implementation of the Electronic-Know Your Customer (E-KYC) feature to increase user trust. The aim of this research is to apply E-KYC technology as an additional feature in the Bangbeli application at PT. Doa Anak Digital. The approach used is the agile development method which consists of six stages, including requirements, design, development, testing, implementation and review. This research uses a qualitative approach, involving interviews with selected sources to ensure that the E-KYC feature can improve user account security. Implementation includes coding and implementing E-KYC in the Bangbeli application, followed by testing using the black box method to identify errors or bugs in the E-KYC system. The results of the research show conformity with the initial design, with features that run according to their function. As a result of interviews with users and Bangbeli regarding the implementation of the E-KYC feature, a number of feedback were obtained including an easy to understand flow, innovations that increase security, confidence in sending personal data, and the impression that this platform cares about user security.
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Gadhave, Miss Arati, and Prof Megha M. Bhogawar. "Review Paper- Study on Central Know Your Customer (CKYC)." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 01 (January 8, 2024): 1–13. http://dx.doi.org/10.55041/ijsrem27980.
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To Know Your Customer (CKYC) Policy is introduced in financial industry to prevent the Bank from being used by criminal elements for money laundering activities and to understand the customer and their financial dealings to manage their risks prudently. Know your customer policies are very important for identity theft fraud, Anti money laundering and terrorist financing. In order to reduce the risk of identity fraud document forgery and have paperless KYC verification UIDAI has launched its E-KYC service. In order to help investors and customers CKYC is introduced by Government of India in Feb 2017. Government of India has authorized a central Registry of Securitization of Asset Reconstruction and Security Interest of India (CERSAI) to act as, and perform the function of CKYC. KEYWORDS – Unified Customer Number, Block chain in KYC, Increase Global KYC Standard, Maintain Secrecy, Know your customer.
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HARIS RISKI RAKHMAN and FAYRUZ RAHMA. "PENGEMBANGAN UI/UX MOBILE PADA PEMBUKAAN REKENING DIGITAL SAVING SECARA E-KYC DENGAN PENDEKATAN DESIGN THINKING." Jurnal INSTEK (Informatika Sains dan Teknologi) 7, no. 2 (August 3, 2022): 164–73. http://dx.doi.org/10.24252/instek.v7i2.30961.
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Pandemi COVID-19 menjadi salah satu tantangan bagi perusahaan perbankan untuk dapat berevolusi demi mencapai target. Pembuatan tabungan secara online bagi para partisipan dimulai selama masa pandemi COVID-19. Hal ini dilakukan untuk menghindari kerumunan orang dan menghindari proses pengantrian yang pada umumnya terjadi apabila menggunakan metode offline. Aplikasi Digital Saving adalah aplikasi yang menyediakan wadah kepada nasabah untuk melakukan pembukaan rekening secara online tanpa harus datang ke bank dan unduh aplikasi. Sistem yang digunakan pada aplikasi ini adalah e-KYC. e-KYC (electronic Know Your Customer) merupakan pengenalan pelanggan secara elektronik atau digital yang melibatkan sistem. Sehingga proses tersebut dapat dilakukan dengan mudah tanpa melibatkan kontak fisik. Proses pengembangan penelitian ini menggunakan pendekatan design thinking yang memiliki beberapa tahap yaitu: emphatize, define, ideate, prototype, dan testing. Dalam penelitian ini, penulis mengharapkan di masa pandemi COVID-19 dapat membantu masyarakat agar lebih mudah untuk membuka rekening secara online.
Kata kunci: Design Thinking, Digital Saving, e-KYC, User Experience, User Interface.
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Khafialima Zahra, Rally Nufi, and Kukuh Tejomurti. "PENERAPAN PRINSIP KYC PADA FINANCIAL TECHNOLOGY P2P LENDING YANG AKOMODATIF BAGI PERLINDUNGAN KONSUMEN." Jurnal Privat Law 11, no. 2 (November 24, 2023): 238. http://dx.doi.org/10.20961/privat.v11i2.49016.
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<p align="center"><em>Abstract</em></p><p><em>This article aims to know the legal problem and solution for FinTech P2P Lending Company that is not doing verification or rechecking their Borrowers. This type of article is normative legal research that is prescriptive to find a new concept for resolving the legal problem by using the statute approach. This article uses secondary data with primary legal material and library research. The data analysis technique used by the author is a deduction and syllogism analysis. The result of this research is a Borrower who committing fraud by using other person’s identity or fake account can be found because of personal data leaks dan sells personal data by social media. Moreover, fake account on P2P Lending also caused by FinTech P2P Lending Company who is not using KYC Principles as appropriate in the bank or not rechecking their Borrowers. A solution for FinTech P2P Lending Company who wants to apply KYC Principles in their P2P Lending platform is using e-KYC.</em></p><p><em>Keywords: Fake accounts; e-KYC; P2P Lending</em></p><p align="center">Abstrak</p><p>Artikel ini bertujuan untuk mengetahui akibat hukum serta solusi bagi Penyelenggara <em>FinTech P2P Lending</em> yang tidak melakukan verifikasi atau pemeriksaan ulang terhadap Penerima Pinjamannya. Artikel ini termasuk ke dalam jenis penelitian normatif yang bersifat preskriptif untuk menemukan konsep baru guna menjawab isu hukum yang dihadapi dengan menggunakan pendekatan perundang-undangan. Data yang digunakan dalam artikel ini merupakan data sekunder dengan bahan hukum primer yang menggunakan teknik pengumpulan data hukum kepustakaan. Teknik analisis data yang digunakan oleh penulis adalah teknik analisis data yang bersifat deduksi dengan metode silogisme. Hasil penelitian menunjukkan bahwa terdapat Penerima Pinajaman yang melakukan penipuan identitas atau munculnya akun palsu yang disebabkan adanya kebocoran data pribadi dan praktik jual-beli data pribadi pada media sosial. Selain itu, munculnya akun palsu pada <em>P2P Lending</em> juga disebabkan karena Penyelenggara <em>FinTech P2P Lending</em> tidak menerapkan prinsip KYC layaknya perbankan atau melakukan pemeriksaan ulang terhadap Penerima Pinjamannya. Solusi bagi Penyelenggara <em>FinTech P2P Lending</em> yang ingin menerapkan prinsip KYC pada <em>platform P2P Lending</em> miliknya adalah dengan menggunakan <em>e-KYC</em>.</p><p>Kata Kunci: Akun palsu; <em>e-KYC</em>; <em>P2P Lending</em></p>
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Tahe, Mr Fitree, and Maria Ulfah Siregar. "Perbandingan Faktor-Faktor Yang Mempengaruhi Penggunaan Electronic-Know Your Customer (e-Kyc)." JISKA (Jurnal Informatika Sunan Kalijaga) 6, no. 3 (September 22, 2021): 189–200. http://dx.doi.org/10.14421/jiska.2021.6.3.189-200.
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There are many technological developments in banks, one of which is online transactions. To get these transactions, an account should be opened using the electronic know you customer (e-KYC) verification system at banks. This research wants to know the differences in the factors that influence behavioral intentions to use e-KYC to open a bank account for SCB (The Siam Commercial Bank) Thailand and Bank Mandiri Indonesia. This is quantitative research using a survey. We have prepared a questionnaire of 160 respondents: 80 for Bank Mandiri and 80 for SCB. The results indicate that the willingness to use electronic identity verification services influence by the availability of technology, the external impact of the network, safety awareness, perception of trust, and perception of security. The perception of security affects the perception of trust, and technical protection, also the transaction procedure does not affect the perception of trust.
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Utami, Alivia Meyrizka, and Mega Dwi Septivani. "Regulatory Technology (RegTech): The Solution to Prevent Money Laundering in Indonesia." Telaah Bisnis 23, no. 1 (July 24, 2022): 86. http://dx.doi.org/10.35917/tb.v23i1.288.
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Since the 2008 financial crisis, the complexity of regulations and the use of technology and innovation in the financial sector have increased. This makes banks as financial institutions starting to adapt to financial technology very vulnerable to technological risks, one of which is money laundering. Regulatory Technology (RegTech) is a technology trend to assist bank management in supporting regulatory compliance efforts and offering money laundering prevention solutions. Based on this, this study aims to examine the relationship of RegTech, which is represented by three independent variables: Electronic Know Your Customer (e-KYC), Transaction Monitoring, and Time and Cost Efficiency, on Money Laundering Prevention. This study shows that transaction monitoring, as well as cost and time efficiency, have a significant effect on money laundering prevention. In contrast, e-KYC does not affect money laundering prevention. This research is intended to provide valuable insights to Financial Institutions to increase awareness of the importance of adopting new technologies and maintaining good relations with regulators to prevent money laundering in Indonesia.
Dissertations / Theses on the topic "E-KYC"
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Trabelsi, Anis. "Robustesse aux attaques en authentification digitale par apprentissage profond." Electronic Thesis or Diss., Sorbonne université, 2022. http://www.theses.fr/2022SORUS580.
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L'identité des personnes sur Internet devient un problème de sécurité majeur. Depuis les accords de Bale, les institutions bancaires ont intégré la vérification de l'identité des personnes ou Know Your Customer (KYC) dans leur processus d'inscription. Avec la dématérialisation des banques, cette procédure est devenue l'e-KYC ou KYC à distance qui fonctionne à distance via le smartphone de l'utilisateur. De même, la vérification d'identité à distance est devenue la norme pour l'inscription aux outils de signature électronique. De nouvelles réglementations émergent pour sécuriser cette approche, par exemple, en France, le cadre PVID encadre l'acquisition à distance des documents d'identité et du visage des personnes dans le cadre du règlement eIDAS. Cela est nécessaire, car on assiste à l'émergence d'un nouveau type de criminalité numérique : l'usurpation d'identité profonde. Grâce aux nouveaux outils d'apprentissage profond, les imposteurs peuvent modifier leur apparence pour ressembler à quelqu'un d'autre en temps réel. Les imposteurs peuvent alors accomplir toutes les actions courantes requises lors d'une inscription à distance sans être détectés par les algorithmes de vérification d'identité. Aujourd'hui, il existe des applications sur smartphone et des outils destinés à un public plus limité qui permettent aux imposteurs de transformer facilement leur apparence en temps réel. Il existe même des méthodes pour usurper une identité à partir d'une seule image du visage de la victime. L'objectif de cette thèse est d'étudier les vulnérabilités des systèmes d'authentification d'identité à distance face aux nouvelles attaquesThe identity of people on the Internet is becoming a major security issue. Since the Bale agreements, banking institutions have integrated the verification of people's identity or Know Your Customer (KYC) in their registration process. With the dematerialization of banks, this procedure has become e-KYC or remote KYC which works remotely through the user's smartphone. Similarly, remote identity verification has become the standard for enrollment in electronic signature tools. New regulations are emerging to secure this approach, for example, in France, the PVID framework regulates the remote acquisition of identity documents and people's faces under the eIDAS regulation. This is required because a new type of digital crime is emerging: deep identity theft. With new deep learning tools, imposters can change their appearance to look like someone else in real time. Imposters can then perform all the common actions required in a remote registration without being detected by identity verification algorithms. Today, smartphone applications and tools for a more limited audience exist allowing imposters to easily transform their appearance in real time. There are even methods to spoof an identity based on a single image of the victim's face. The objective of this thesis is to study the vulnerabilities of remote identity authentication systems against new attacks in order to propose solutions based on deep learning to make the systems more robust
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Benvenuti, Christian. "Jo-ha-kyu : motivações estéticas e estruturais na composição musical : memorial de composição." reponame:Biblioteca Digital de Teses e Dissertações da UFRGS, 2006. http://hdl.handle.net/10183/7537.
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Este memorial investiga os processos composicionais de quatro peças compostas durante o curso de mestrado em composição na Universidade Federal do Rio Grande do Sul entre 2004 e 2005. São feitas considerações sobre as motivações estéticas e estruturais dessas peças, especialmente as relacionadas com o princípio oriental denominado jo-ha-kyu, o teatro nô japonês e a arte marcial japonesa iaijutsu. O princípio jo-ha-kyu, bem como sua manifestação no teatro nô e no iaijutsu, foi utilizado como impulso criativo e norma global para o seccionamento interno, o caráter e a ordem das peças para o recital de mestrado. Este trabalho também apresenta as conseqüências dessas motivações estéticas e estruturais para a coerência formal das peças.
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Bastos, Leandro Tibiriça de Camargo. "Formas do discurso, desenvolvimento do personagem e estrutura dramatúrgica: uma poética da tradução em Thomas Kyd." Universidade de São Paulo, 2018. http://www.teses.usp.br/teses/disponiveis/8/8160/tde-10072018-152717/.
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No nascimento da modernidade houve um grande crescimento produtivo, o que levou ao incremento das instituições mediadoras da vida social. Os efeitos disso na esfera do discurso e da formação do sujeito se manifestaram também no teatro, na formação dos personagens. A passagem de uma mentalidade mítica para uma racionalista marcou os sujeitos, muitas vezes, de forma trágica, dilacerados entre demandas desencontradas e discursos opostos. A subjetividade se tornou o campo desse tipo de batalha. Um exemplo privilegiado desse momento é The Spanish Tragedy, de Thomas Kyd. Tragédia inaugural do teatro elisabetano, Kyd foi o primeiro autor a concentrar a maioria de seus monólogos em um único personagem, contrastando com peças anteriores, como Gorboduc, em que os monólogos eram mais distribuídos. Isso possibilitou uma concentração de tensão e um desenvolvimento dramatúrgico que influenciou gerações, inclusive um jovem dramaturgo iniciante chamado William Shakespeare. Não é apenas uma coincidência que Kyd tenha inaugurado com sua peça um gênero, as tragédias de vingança, que criou uma longa linhagem, cujo representante mais ilustre é Hamlet. Mas esse desenvolvimento concentrado, que permitiu um crescendo ao longo da peça, se olhado de perto, apresenta uma outra dimensão. A fatura linguística dos monólogos traz materiais das mais diversas fontes. Se estão presentes recursos linguísticos da literatura clássica e da retórica da corte, também aparece uma dicção provinda da burguesia, seja das controvérsias religiosas, seja dos livros de cortesão, que discutiam o comportamento adequado em sociedade. Temos, portanto, recursos textuais provenientes dos atores sociais que tencionavam a época: aristocracia decadente e burguesia ascendente. Vistos em sequência, os monólogos apresentam uma transição das formas mais tradicionais e conservadoras de discurso para as mais modernas. Dessa forma, o desenvolvimento do personagem e a estrutura dramatúrgica construída em torno dele se tornam um espelho de sua época. A mesma tensão que vemos no grande quadro da história, se fecharmos o foco sobre o personagem e, mais ainda, sobre sua interioridade, nos monólogos, reaparece nas suas formas de discurso. Ao fazer um panorama histórico, uma descrição da evolução do personagem e um exame detalhado de momentos-chave de seus monólogos, esperamos demonstrar esses nexos.In the birth of modernity, there was a great productive growth, which led to the increase of institutions mediating social life. The effects of this situation in the sphere of social discourse and in the formation of the subjects also manifested themselves in the theater, in the formation of the characters. The transition from a mythical mentality to a rationalist one marked the subjects, often tragically, torn between disjointed demands and opposed discourses. Subjectivity became the battlefield of this type of struggle. A prime example of this moment is The Spanish Tragedy, by Thomas Kyd. Kyd was the first author to concentrate most of his monologues on a single character, contrasting with earlier plays such as Gorboduc, where the monologues were more widely distributed. This enabled a concentration of tension and a dramaturgical development that influenced generations, including a young beginner playwright named William Shakespeare. It is not only a coincidence that Kyd inaugurated, with his play, a genre, the revenge tragedy, which created a long lineage, the most illustrious representative being Hamlet. But this concentrated development, which allowed a crescendo throughout the play, if looked closely, presents another dimension. The linguistic making of the monologues brings materials from the most diverse sources. If linguistic resources of classical literature and court rhetoric are present, there is also a diction from the bourgeoisie, whether from the religious controversies or from the court books, which discussed proper behavior in society. Therefore, we have textual resources coming from the social actors who confronted each other in that era: decadent aristocracy and rising bourgeoisie. Viewed in a sequence, the monologues show a transition from the more traditional and conservative forms of discourse to the more modern ones. In this way, the development of the character and the dramatic structure built around him become a mirror of his time. The same tension that we see in the great picture of history, if we close the focus on the character, even more, on his interiority, in the monologues, reappears in his forms of discourse. Making a historical overview, a description of the development of the character and a detailed examination of moments of his monologues, we hope to demonstrate these links.
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Karakurt-Fischer, Sema [Verfasser], Jörg E. [Akademischer Betreuer] Drewes, Jörg E. [Gutachter] Drewes, Sung Kyu Andrew [Gutachter] Maeng, and Christian [Gutachter] Griebler. "Development and validation of a novel treatment concept for planned potable reuse based on sequential managed aquifer recharge technology for more sustainable water management / Sema Karakurt-Fischer ; Gutachter: Jörg E. Drewes, Sung Kyu Andrew Maeng, Christian Griebler ; Betreuer: Jörg E. Drewes." München : Universitätsbibliothek der TU München, 2020. http://d-nb.info/1226287581/34.
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Silva, Alexandre Reuber Almeida da. "Full and deficit irrigation in different phenological stages of the sunflower cultivation in the Ceara semiarid." Universidade Federal do CearÃ, 2012. http://www.teses.ufc.br/tde_busca/arquivo.php?codArquivo=7610.
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Conselho Nacional de Desenvolvimento CientÃfico e TecnolÃgicoCoordenaÃÃo de AperfeiÃoamento de Pessoal de NÃvel Superior
As culturas agrÃcolas apresentam estÃdios fenolÃgicos de menor suscetibilidade ao dÃficit hÃdrico do solo, nos quais a estratÃgia de manejo da irrigaÃÃo deficitÃria pode ser empregada, no intuito de maximizar a produÃÃo por unidade de Ãgua aplicada. Assim, objetivou-se, com esta pesquisa, avaliar as respostas da cultura do girassol a irrigaÃÃo plena e a diferentes regimes de dÃficit hÃdrico durante seus estÃdios fenolÃgicos, visando reunir informaÃÃes que permitam diagnosticar a viabilidade tÃcnica da aplicaÃÃo da irrigaÃÃo deficitÃria na cultura, para as condiÃÃes do semiÃrido cearense. Em campo, o experimento foi conduzido na Fazenda Experimental Vale do Curu, em Pentecoste â CE, sob delineamento experimental de blocos ao acaso, com quatro repetiÃÃes e oito tratamentos, definidos em funÃÃo da Ãpoca de induÃÃo do dÃficit hÃdrico nos trÃs estÃdios fenolÃgicos do girassol (vegetativo, floraÃÃo e formaÃÃo da produÃÃo), correspondendo à ocorrÃncia de dÃficit hÃdrico em um, dois ou trÃs estÃdios. O dÃficit correspondeu à aplicaÃÃo da metade da lÃmina de irrigaÃÃo do tratamento sem dÃficit hÃdrico. Foram procedidos todos os tratos culturais e fitossanitÃrios necessÃrios. Para se mensurar os efeitos dos tratamentos foram avaliadas ao tÃrmino de cada estÃdio fenolÃgico Ãs seguintes variÃveis: temperatura foliar, taxas de fotossÃntese, transpiraÃÃo, condutÃncia estomÃtica, concentraÃÃo interna de CO2, eficiÃncias instantÃneas e intrÃnsecas de uso da Ãgua, altura da planta, nÃmero de folhas, diÃmetro do caule, Ãrea foliar, produÃÃo de fitomassa seca dos constituintes da parte aÃrea (caule, folha, pecÃolo e capÃtulo) e a participaÃÃo de cada um deles em relaÃÃo à produÃÃo de fitomassa seca total (partiÃÃo). Por ocasiÃo da colheita, avaliaram-se os componentes de produÃÃo (diÃmetro do capÃtulo, massa de 1.000 aquÃnios e os teores de Ãleo e de proteÃnas), os rendimentos potenciais de produÃÃo de aquÃnios, Ãleo e proteÃnas, e os Ãndices de eficiÃncia de uso da Ãgua em produzir aquÃnios, Ãleo e proteÃnas. As variÃveis foram submetidas à anÃlise estatÃstica realizando-se anÃlise de variÃncia (Teste F) e Teste de Tukey para comparaÃÃo de mÃdias. Determinaram-se, ainda, os coeficientes de sensibilidade ao dÃficit hÃdrico (KY) nos estÃdios isolados e no ciclo total da cultura, atravÃs da relaÃÃo entre a queda de rendimento relativo e o dÃficit de evapotranspiraÃÃo relativa. Os resultados mostraram que a temperatura foliar e as trocas gasosas, nÃo mostraram efeitos do nÃvel dÃficit hÃdrico avaliado, independentemente da Ãpoca em que os mesmos foram aplicados. As Ãpocas de avaliaÃÃo influenciaram todas as variÃveis relacionadas Ãs trocas gasosas, com exceÃÃo da eficiÃncia intrÃnseca de uso da Ãgua. A altura da planta, o nÃmero de folhas e o diÃmetro do caule foram negativamente afetados pelos efeitos isolados dos dÃficits de irrigaÃÃo e das Ãpocas de avaliaÃÃo. Os dÃficits de irrigaÃÃo e as Ãpocas de avaliaÃÃo interagiram e afetaram a Ãrea foliar, a massa seca da folha, do pecÃolo, do caule, do capÃtulo e a total. Os dÃficits de irrigaÃÃo nÃo modificaram a partiÃÃo de fitomassa. Foram observadas modificaÃÃes no diÃmetro dos capÃtulos, na massa de mil aquÃnios, no teor de Ãleo dos aquÃnios, no potencial de produÃÃo de aquÃnios, Ãleo e proteÃna, e na eficiÃncia de uso da Ãgua na produÃÃo de aquÃnios e Ãleo nos dÃficits hÃdricos aplicados. A estratÃgia de manejo da irrigaÃÃo com dÃficit durante os estÃdios vegetativo e de floraÃÃo do girassol contribuiu para a obtenÃÃo de um potencial de produÃÃo de aquÃnios na cultura em um nÃvel equiparado ao alcanÃado no cultivo sem dÃficit hÃdrico durante toda a estaÃÃo de crescimento. Independentemente da fase fenolÃgica, o dÃficit hÃdrico exerceu efeito benÃfico na eficiÃncia de uso da Ãgua na produÃÃo de aquÃnios. A incidÃncia de dÃficit hÃdrico durante o estÃdio de floraÃÃo foi mais vantajosa para a eficiÃncia de uso da Ãgua na produÃÃo de Ãleo, do que em qualquer outra fase, e nÃo influenciou a eficiÃncia de uso da Ãgua na produÃÃo de proteÃna, independentemente da etapa fenolÃgica em que esse ocorreu. A sensibilidade ao dÃficit hÃdrico, quantificada mediante o coeficiente de sensibilidade ao dÃficit hÃdrico (KY) variou na seguinte ordem decrescente: formaÃÃo da produÃÃo, vegetativo e floraÃÃo, para dÃficit aplicado em apenas um estÃdio fenolÃgico. Para as condiÃÃes de dÃficit em dois estÃdios, o coeficiente KY indicou que a insuficiÃncia de Ãgua exerce maior impacto sobre o rendimento de aquÃnios do girassol quando ocorre simultaneamente nos estÃdios vegetativo e de formaÃÃo da produÃÃo. Como os valores de KY foram inferiores a 1 em todos os estÃdios, conclui-se que a cultura demonstrou uma baixa sensibilidade aos dÃficits hÃdricos aplicados, mostrando-se, portanto, adaptÃvel à prÃtica da irrigaÃÃo com dÃficit durante todo o seu ciclo.
Crops have phenological stages with less susceptibility to water deficit, in which the strategy of deficit irrigation management can be employed in order to maximize production per unit of irrigation water. Thus, the purpose of this research was to evaluate the responses of sunflower cultivation with full irrigation and with different water deficits durin g its phenological stages in order to collect information on the technical feasibility of the irrigation deficit in the sunflower crop, for the conditions of the semiarid in state of Ceara, Brazil. In the field the experiment was conducted at Experimental Farm Vale do Curu, in Pentecoste (Ceara, Brazil) under experimental design of randomized blocks with four replications and eight treatments, defined in function of the time of water deficit induction in the three sunflower phenological stages (vegetative, flowering and production formation), corresponding to the occurrence of water deficit in one, two or three stages. The water deficit irrigation level employed consisted of half the irrigation evaluated as being full irrigation. All the cultural and phytosanitary practices required was carried. In order to measure the effects of the treatments it was evaluated, at the end of each developmental stage, the following variables: leaf temperature, photosynthesis rates, transpiration, stomatal conductance, internal concentration of CO2, instantaneous efficiencies and intrinsic water use, plant height, quantity of leaf, stemdiameter, leaf area, dry biomass production of the constituents of the aerial part (stem, leaf, petiole and chapter) and the participation of each element in relation to the production of total dry matter (partition). On the occasion of harvest time, it was evaluated the components of production (diameter of chapter, mass of 1000 achenes and oil and protein content), the income potential of producing acheness, oil and protein, and the indices of efficiency of water use to produce achenes, oil and protein. The variables were subjected to statistical analysis, performing analysis of variance (F test) and Tukey's test to compare means. It was also determined the coefficients of sensitivity to water deficit (KY) isolated in stadiums and in the cycle of the crop through the relationship between relative income decrease and relative evapotranspiration deficit. The results presented that the temperature and leaf gas exchanges howed no effects of the applied water stresses, regardless of the time when these were applied. The times of evaluation influenced all variables related to gas exchange, except for the intrinsic efficiency of water use. The plant height, leaf number and stem diameter were negatively affected by the isolated effects of irrigation deficits and evaluation times. The irrigation deficit and the evaluation time interacted and affected leaf area, dry mass of leaf, petiole, stem, capitulum and total dry mass. The d eficit irrigation did not change the partition of dry matter. Changes were observed in capitulum diameter, in the mass of one thousand achenes, in the achene oil content, in the achene, oil and protein production potentials, and in the water use efficiency in the production of achenes and oil (for the applied water deficits). The management strategy of water deficit during the vegetative and flowering stages contributed to the achievement of an achene production potential at a level equivalent to that achieved in cultivation with full irrigation throughout the growing season. Regardless of the phenological phase, the water deficit exerted a positive effect on the efficiency of water use in the achene production. The incidence of water deficit during the flowering stage was more advantageous to the efficiency of water use in oil production than at any other stage, and did not influence the efficiency of water use in protein production, regardless of phenological stage on which it happened. Sensitivity to water deficit quantified by the coefficient of sensitivity to water stress (K Y) varied in the following decreasing order: production formation, vegetative and flowering, with water deficit occurring in only one developmental stage. For the deficit conditions in two stages, the coefficient KY showed that the lack of water has the greatest impact on sunflower achene yield when it occurs in both vegetative and production formation stages. As the K Y values were less than 1 at all stages, it is concluded that the sun flower culture showed a low sensitivity to the water deficits applied, showing, therefore, vulnerability to water deficit irrigation practice throughout its cycle.
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Souza, Francisco Josivan de. "Casa e caminho no mito de origem Mỹky: por um currículo ética e esteticamente intercultural." Pontifícia Universidade Católica de São Paulo, 2008. https://tede2.pucsp.br/handle/handle/10097.
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Previous issue date: 2008-11-26Conselho Nacional de Desenvolvimento Científico e Tecnológico
This study is about the urgency of an ethical and aesthetically mindful School for the humans who compose it. It s based on the indigenous myth of The Stone Home , of the Mỹky people. In this myth, House and Way appear like archetypes that intertwine themselves with the stillness and the wager, as who s dreaming of Walking from the Home to the hope that will be the construction of the coziness. The desire inside this work is a School that can be a cozy place. In this School, living together with the Other, we wagered in the not-yet dream, that will only be extant, if we leave Home and, from it, start an ethical-aesthetical way of living. The School is the necessary ethos of developing life in its totality; it is the Home from where students gaze at the way and build possible dreams, pro-ject the possible Utopia. Finally, a curriculum that rouse to the delight, then the desire of this Walking will be, itself, Aesthetic. Otherwise, it will not be creative Walking, it will be blunting. Similarly, the aesthetical dimension is, necessarily, an opened Way; it is curriculum. Walking is aesthetically building curriculum. This work´s purpose is to transform curriculum into verb and it is certain that it will be ethos for the tempting action of the human way of being educated and educator
Este é um trabalho acerca da premência de uma Escola ética e esteticamente atenta para os humanos que a compõem. Parte do mito indígena da Casa da Pedra, do povo Mỹky. Neste mito, Casa e Caminho aparecem como arquétipos que se entrelaçam com a quietude e a aposta, como quem sonha, da Casa, Caminhar para a esperança, que será a construção do aconchego. O que se deseja neste trabalho é uma Escola que seja espaço aconchegante. Nessa Escola, convivendo com o Outro, apostemos no sonho que ainda-não-é e que só será se sairmos da Casa e, a partir dela, vivermos ético-esteticamente. A Escola é o necessário ethos de realização do desenvolvimento da vida em sua integralidade; é a Casa de onde educandos miram o estradar e criam os sonhos possíveis, pro-jetam a utopia possível. Finalmente, um currículo que provoque o encantamento e o desejo do Caminhar será, em-si, Estético. Do contrário, não será Caminhar criativo, mas embotamento. Da mesma forma, a dimensão estética é, necessariamente, Caminho aberto; é currículo. Caminhar é fazer currículo esteticamente. Este trabalho propõe transformar o currículo em verbo e está certo que será ethos para a ação sedutora do humano-educando-educador
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Silva, Alexandre Reuber Almeida da. "Irrigação plena e com déficit em diferentes estádios fenológicos da cultura do girassol no semiárido cearense." reponame:Repositório Institucional da UFC, 2012. http://www.repositorio.ufc.br/handle/riufc/17398.
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SILVA, Alexandre Reuber Almeida da. Irrigação plena e com déficit em diferentes estádios fenológicos da cultura do girassol no semiárido cearense. 2012. 173 f. : Dissertação (mestrado) - Universidade Federal do Ceará, Centro de Ciências Agrárias, Departamento de Engenharia Agrícola, Programa de Pós-Graduação em Engenharia agrícola, Fortaleza-CE, 2012.Submitted by demia Maia (demiamlm@gmail.com) on 2016-06-02T17:00:21Z No. of bitstreams: 1 2012_dis_ arasilva.pdf: 4268401 bytes, checksum: 9d9991a9608a69a78071f97d047a03c2 (MD5)
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Crops have phenological stages with less susceptibility to water deficit, in which the strategy of deficit irrigation management can be employed in order to maximize production per unit of irrigation water. Thus, the purpose of this research was to evaluate the responses of sunflower cultivation with full irrigation and with different water deficits durin g its phenological stages in order to collect information on the technical feasibility of the irrigation deficit in the sunflower crop, for the conditions of the semiarid in state of Ceara, Brazil. In the field the experiment was conducted at Experimental Farm Vale do Curu, in Pentecoste (Ceara, Brazil) under experimental design of randomized blocks with four replications and eight treatments, defined in function of the time of water deficit induction in the three sunflower phenological stages (vegetative, flowering and production formation), corresponding to the occurrence of water deficit in one, two or three stages. The water deficit irrigation level employed consisted of half the irrigation evaluated as being full irrigation. All the cultural and phytosanitary practices required was carried. In order to measure the effects of the treatments it was evaluated, at the end of each developmental stage, the following variables: leaf temperature, photosynthesis rates, transpiration, stomatal conductance, internal concentration of CO2, instantaneous efficiencies and intrinsic water use, plant height, quantity of leaf, stemdiameter, leaf area, dry biomass production of the constituents of the aerial part (stem, leaf, petiole and chapter) and the participation of each element in relation to the production of total dry matter (partition). On the occasion of harvest time, it was evaluated the components of production (diameter of chapter, mass of 1000 achenes and oil and protein content), the income potential of producing acheness, oil and protein, and the indices of efficiency of water use to produce achenes, oil and protein. The variables were subjected to statistical analysis, performing analysis of variance (F test) and Tukey's test to compare means. It was also determined the coefficients of sensitivity to water deficit (KY) isolated in stadiums and in the cycle of the crop through the relationship between relative income decrease and relative evapotranspiration deficit. The results presented that the temperature and leaf gas exchanges howed no effects of the applied water stresses, regardless of the time when these were applied. The times of evaluation influenced all variables related to gas exchange, except for the intrinsic efficiency of water use. The plant height, leaf number and stem diameter were negatively affected by the isolated effects of irrigation deficits and evaluation times. The irrigation deficit and the evaluation time interacted and affected leaf area, dry mass of leaf, petiole, stem, capitulum and total dry mass. The d eficit irrigation did not change the partition of dry matter. Changes were observed in capitulum diameter, in the mass of one thousand achenes, in the achene oil content, in the achene, oil and protein production potentials, and in the water use efficiency in the production of achenes and oil (for the applied water deficits). The management strategy of water deficit during the vegetative and flowering stages contributed to the achievement of an achene production potential at a level equivalent to that achieved in cultivation with full irrigation throughout the growing season. Regardless of the phenological phase, the water deficit exerted a positive effect on the efficiency of water use in the achene production. The incidence of water deficit during the flowering stage was more advantageous to the efficiency of water use in oil production than at any other stage, and did not influence the efficiency of water use in protein production, regardless of phenological stage on which it happened. Sensitivity to water deficit quantified by the coefficient of sensitivity to water stress (K Y) varied in the following decreasing order: production formation, vegetative and flowering, with water deficit occurring in only one developmental stage. For the deficit conditions in two stages, the coefficient KY showed that the lack of water has the greatest impact on sunflower achene yield when it occurs in both vegetative and production formation stages. As the K Y values were less than 1 at all stages, it is concluded that the sun flower culture showed a low sensitivity to the water deficits applied, showing, therefore, vulnerability to water deficit irrigation practice throughout its cycle.
As culturas agrícolas apresentam estádios fenológicos de menor suscetibilidade ao déficit hídrico do solo, nos quais a estratégia de manejo da irrigação deficitária pode ser empregada, no intuito de maximizar a produção por unidade de água aplicada. Assim, objetivou-se, com esta pesquisa, avaliar as respostas da cultura do girassol a irrigação plena e a diferentes regimes de déficit hídrico durante seus estádios fenológicos, visando reunir informações que permitam diagnosticar a viabilidade técnica da aplicação da irrigação deficitária na cultura, para as condições do semiárido cearense. Em campo, o experimento foi conduzido na Fazenda Experimental Vale do Curu, em Pentecoste – CE, sob delineamento experimental de blocos ao acaso, com quatro repetições e oito tratamentos, definidos em função da época de indução do déficit hídrico nos três estádios fenológicos do girassol (vegetativo, floração e formação da produção), correspondendo à ocorrência de déficit hídrico em um, dois ou três estádios. O déficit correspondeu à aplicação da metade da lâmina de irrigação do tratamento sem déficit hídrico. Foram procedidos todos os tratos culturais e fitossanitários necessários. Para se mensurar os efeitos dos tratamentos foram avaliadas ao término de cada estádio fenológico às seguintes variáveis: temperatura foliar, taxas de fotossíntese, transpiração, condutância estomática, concentração interna de CO2, eficiências instantâneas e intrínsecas de uso da água, altura da planta, número de folhas, diâmetro do caule, área foliar, produção de fitomassa seca dos constituintes da parte aérea (caule, folha, pecíolo e capítulo) e a participação de cada um deles em relação à produção de fitomassa seca total (partição). Por ocasião da colheita, avaliaram-se os componentes de produção (diâmetro do capítulo, massa de 1.000 aquênios e os teores de óleo e de proteínas), os rendimentos potenciais de produção de aquênios, óleo e proteínas, e os índices de eficiência de uso da água em produzir aquênios, óleo e proteínas. As variáveis foram submetidas à análise estatística realizando-se análise de variância (Teste F) e Teste de Tukey para comparação de médias. Determinaram-se, ainda, os coeficientes de sensibilidade ao déficit hídrico (KY) nos estádios isolados e no ciclo total da cultura, através da relação entre a queda de rendimento relativo e o déficit de evapotranspiração relativa. Os resultados mostraram que a temperatura foliar e as trocas gasosas, não mostraram efeitos do nível déficit hídrico avaliado, independentemente da época em que os mesmos foram aplicados. As épocas de avaliação influenciaram todas as variáveis relacionadas às trocas gasosas, com exceção da eficiência intrínseca de uso da água. A altura da planta, o número de folhas e o diâmetro do caule foram negativamente afetados pelos efeitos isolados dos déficits de irrigação e das épocas de avaliação. Os déficits de irrigação e as épocas de avaliação interagiram e afetaram a área foliar, a massa seca da folha, do pecíolo, do caule, do capítulo e a total. Os déficits de irrigação não modificaram a partição de fitomassa. Foram observadas modificações no diâmetro dos capítulos, na massa de mil aquênios, no teor de óleo dos aquênios, no potencial de produção de aquênios, óleo e proteína, e na eficiência de uso da água na produção de aquênios e óleo nos déficits hídricos aplicados. A estratégia de manejo da irrigação com déficit durante os estádios vegetativo e de floração do girassol contribuiu para a obtenção de um potencial de produção de aquênios na cultura em um nível equiparado ao alcançado no cultivo sem déficit hídrico durante toda a estação de crescimento. Independentemente da fase fenológica, o déficit hídrico exerceu efeito benéfico na eficiência de uso da água na produção de aquênios. A incidência de déficit hídrico durante o estádio de floração foi mais vantajosa para a eficiência de uso da água na produção de óleo, do que em qualquer outra fase, e não influenciou a eficiência de uso da água na produção de proteína, independentemente da etapa fenológica em que esse ocorreu. A sensibilidade ao déficit hídrico, quantificada mediante o coeficiente de sensibilidade ao déficit hídrico (KY) variou na seguinte ordem decrescente: formação da produção, vegetativo e floração, para déficit aplicado em apenas um estádio fenológico. Para as condições de déficit em dois estádios, o coeficiente KY indicou que a insuficiência de água exerce maior impacto sobre o rendimento de aquênios do girassol quando ocorre simultaneamente nos estádios vegetativo e de formação da produção. Como os valores de KY foram inferiores a 1 em todos os estádios, conclui-se que a cultura demonstrou uma baixa sensibilidade aos déficits hídricos aplicados, mostrando-se, portanto, adaptável à prática da irrigação com déficit durante todo o seu ciclo.
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Szinvelski, Charles Rogério Paveglio. "Uma solução para a equação da energia cinética turbulenta empregando o método das características." Universidade Federal de Santa Maria, 2009. http://repositorio.ufsm.br/handle/1/3885.
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Coordenação de Aperfeiçoamento de Pessoal de Nível SuperiorIn this study, using the Method of Characteristics and numeric resources, presents a solution to the equation Spectral Density Evolution of Turbulent Kinetic Energy for a Convective Boundary Layer (CBL) in the morning. It presents three models for the evolution of spectral energy density. The first model, based on the assumption of a system of isotropic turbulence, considering only terms of energy transfer inertial and viscous dissipation. The second model adds the term energy production due to the onset of action of the parameter of heat flux on the surface, but consider it a term of energy transfer inertial anisotropy. The third model employs a mixed configuration of the two previous models, assuming thus distinct regions of operation to inertial transfer terms. The results shaped the evolution of the CLC. In this case, the growth of the energy spectrum is modeled by inserting energy in the region of low wave numbers, a region in which the term of anisotropic energy transfer can not transfer the energy introduced by the energy production term. It is observed that in a region of wave number higher there is a stabilization of the parameter variation temporal on the plane characteristics curves (PCC), indicating that the variation of wave number govern the evolution of the energy spectrum. This fact establishes a kind of criterion for stationarity of turbulent flow regimes.
No presente trabalho, utilizando o Método das Característica e recursos numéricos, apresenta-se uma solução para a Equação de Evolução Espectral de Densidade de Energia Cinética Turbulenta para uma Camada Limite Convectiva (CLC) no período da manhã. Apresenta-se três modelos para a evolução espectral da densidade de energia. O primeiro modelo, baseado na suposição de um regime de turbulência isotrópica, considera apenas termos de transferência de energia inercial e de dissipação viscosa. O segundo modelo adiciona o termo de produção de energia devido o início da ação do parâmetro de fluxo de calor na superfície, porém considerá-se um termo de transferência de energia inercial anisotrópico. O terceiro modelo emprega uma configuração mista dos dois modelos anteriores, admitindo, desta forma, regiões distintas de atuação para os termos de transferência inercial. Os resultados obtidos modelaram a evolução da CLC. Neste caso, o crescimento do espectro de energia modelado se deu pela inserção de energia na região de baixos números de onda, região em que o termo de transferência de energia anisotrópico não consegue transferir a energia inserida pelo termo de produção de energia. Observa-se que em uma região de número de onda mais alto existe uma estabilização da variação do parâmetro temporal sobre as curvas características planas (CCP), indicando que a variação do número de onda governará a evolução do espectro de energia. Fato que estabelece um tipo de critério de estacionariedade para de regimes de escoamento turbulento.
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Costa, André Macedo da. "Data analytics in the private banking industry : a case study at Banco Carregosa." Master's thesis, 2021. http://hdl.handle.net/10400.14/34532.
Full textAbstract:
The Private Banking sector in Portugal has been evolving with the current technological developments. At this segment of national banking industry, Banco Carregosa excels in the relationship with its customers, supported by the personalized treatment and customized offer so that each customer is supplied with a variety of products and services that meet their values and the ones shared by the Bank. This happens by considering all the information the Bank has about the customer, coming from a wide range of data sources. In this Master Final Assignment we wanted to deepen the knowledge about the client and the Bank's products by performing analysis conducted through Machine Learning techniques such as Clustering, Market Basket Analysis and study of the churners. In addition to this, we developed dashboards containing relevant information about customers, accounts, leads and their conversions into accounts, bank products and movements in the capital markets, all geared to better understand the customer's next step and also equip Banco Carregosa with valuable information for decision making, having it available in a quick, intuitive and explanatory way. This way, we use a variety of techniques, namely, K-means, Apriori algorithm, Naïve Bayes, Logistic Regression and Dashboards. In the end, we concluded that the use of Business Intelligence, Analytics and Data Mining can feed good, precise and valuable information to Banco Carregosa. It also allows key decision makers in the organization to know more about how’s the Bank performing, the clients and support their everyday decisions with analytics and quantifiable information, available at a glance.O setor da Banca Privada em Portugal tem vindo a evoluir com os avanços da tecnologia. Neste segmento da banca nacional, o Banco Carregosa prima na relação com os clientes, motivando a personalização, o trato e a oferta customizada para que a cada cliente sejam oferecidos produtos e serviços diversificados mas que vão de encontro aos valores partilhados pelo cliente e pelo Banco. Isto é desenvolvido tendo em conta toda a informação que o Banco tem sobre o consumidor, proveniente de diversas fontes de dados. Neste Trabalho Final de Mestrado quisemos aprofundar o conhecimento sobre o cliente e sobre os produtos do Banco, isto foi feito através de técnicas de Machine Learning como Clustering, Market Basket Analysis e estudo dos clientes que saíram do Banco. Paralelamente, foram desenvolvidos para a instituição dashboards que contém informação relevante sobre clientes, contas, leads e as suas conversões para contas, produtos do banco e movimentos nos mercados de capitais, tudo orientado para conhecer melhor o próximo passo do cliente e também munir o Banco Carregosa de informação valiosa para a tomada de decisão, tendo-a disponível de uma forma rápida, intuitiva e explicativa. Desta forma, utilizamos uma variedade de técnicas, nomeadamente, K-means, algoritmo Apriori, Naïve Bayes e Regressão Logística. No final, pudemos concluir que o Business Intelligence, Analytics e Data Mining dota o Banco Carregosa de informação precisa e valiosa. Também concluímos que permite aos principais decisores saberem mais sobre como estão o desempenho do Banco, os clientes e apoiarem suas decisões com análises e informações quantificáveis, disponíveis de forma intuitiva e rapidamente.
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Perlman, Leon Joseph. "Legal and regulatory aspects of mobile financial services." Thesis, 2012. http://hdl.handle.net/10500/13362.
Full textAbstract:
The thesis deals with the emergence of bank and non-bank entities that provide a range of unique
transaction-based payment services broadly called Mobile Financial Services (MFS) to unbanked,
underserved and underbanked persons via mobile phones.
Models of MFS from Mobile Network Operators (MNOs), banks, combinations of MNOs and banks, and
independent Mobile Financial Services Providers are covered. Provision by non-banks of ‘bank-type’
services via mobile phones has been termed ‘transformational banking’ versus the ‘additive banking’
services from banks. All involve the concept of ‘branchless banking’ whereby ‘cash-in/cash out’ services
are provided through ‘agents.’
Funds for MFS payments may available through a Stored Value Product (SVP), particularly through a
Stored Value Account SVP variant offered by MNOs where value is stored as a redeemable fiat- or mobile
‘airtime’-based Store of Value.
The competitive, legal, technical and regulatory nature of non-bank versus bank MFS models is discussed,
in particular the impact of banking, payments, money laundering, telecommunications, e-commerce and
consumer protection laws. Whether funding mechanisms for SVPs may amount to deposit-taking such that
entities could be engaged in the ‘business of banking’ is discussed. The continued use of ‘deposit’ as the
traditional trigger for the ‘business of banking’ is investigated, alongside whether transaction and paymentcentric
MFS rises to the ‘business of banking.’
An extensive evaluation of ‘money’ based on the Orthodox and Claim School economic theories is
undertaken in relation to SVPs used in MFS, their legal associations and import, and whether they may be
deemed ‘money’ in law.
Consumer protection for MFS and payments generally through current statute, contract, and payment law
and common law condictiones are found to be wanting. Possible regulatory arbitrage in relation to MFS in
South African law is discussed.
The legal and regulatory regimes in the European Union, Kenya and the United States of America are
compared with South Africa. The need for a coordinated payments-specific law that has consumer
protections, enables proportional risk-based licensing of new non-bank providers of MFS, and allows for a
regulator for retail payments is recommended. The use of trust companies and trust accounts is
recommended for protection of user funds.
| viPublic, Constitutional and International Law
LLD
Books on the topic "E-KYC"
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1950-, Kondo Atsuko, Maruyama Chika, and To kyo Daigaku. AIKOM Nihongo Purogramu., eds. Jo kyu Nihongo kyo kasho: Bunka e no manazashi. To kyo: To kyo Daigaku Shuppankai, 2005.
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Faruqi, Shams ur Rahman. Andaz e Guftgu Kya Hai. New Delhi: Maktaba Jamia, 1993.
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Faruqi, Shams ur Rahman. Andaz e Guftgu Kya Hai. New Delhi: Maktaba Jamia, 1993.
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Kagakkai, Nihon, ed. Tennenbutsu no zengōsei: Kyō, asu, soshite mirai e. Tōkyō: Gakkai Shuppan Sentā, 2000.
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Kawano, Noriyuki, and Tetsuji Imanaka. Cherunobuiri, kyū Puripyachi jūmin e no intabyū kiroku. Hiroshima-shi: Hiroshima Daigaku Heiwa Kagaku Kenkyū Sentā, 2012.
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Tangsin son e matkin yŏnghon: Yi Kyu-jŏng sosolchip. Sŏul-si: Pagijŏng, 2002.
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Thvaṭʻ, Myuiʺ. Muiʺ kya rvhe kuiyʻ e* bhava jātʻ lamʻʺ cuṃ. Ranʻ kunʻ: Cinʻ Panʻʺ Mruiṅʻ Cā pe, 2003.
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Kim Kyo-sin p'yŏngjŏn: Chosŏn ŭl Sŏngsŏ wi e. Kangwŏn Ch'unch'ŏn-si: Samwŏn Sŏwŏn, 2012.
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Takeuchi, Hiroyuki. Kyu ando e de wakaru shikyu kinshu anshin dokuhon. To kyo: Shufu to Seikatsusha, 2006.
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Ch'ŏlch'aeksŏn e p'in kkot: Pak Kye-sang changpyŏn sosŏl. Sǒul-si: P'urŭn Sasangsa, 2007.
Find full textBook chapters on the topic "E-KYC"
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Patkar, Mandar, Ankit Giri, Pratik Gite, Akash Shinde, and Kunal Shetye. "Privacy Preserving and Trustworthy E-KYC System Using Blockchain." In Data-Intensive Research, 655–63. Singapore: Springer Nature Singapore, 2024. http://dx.doi.org/10.1007/978-981-99-9179-2_49.
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Chandraprabha, K. S. "Blockchain-Based Implementation on Electronic Know Your Customer (e-KYC)." In Intelligent Communication Technologies and Virtual Mobile Networks, 281–97. Singapore: Springer Nature Singapore, 2023. http://dx.doi.org/10.1007/978-981-99-1767-9_22.
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Hanbar, Hrushikesh, Varan Shukla, Chirag Modi, and C. Vyjayanthi. "Optimizing e-KYC Process Using Distributed Ledger Technology and Smart Contracts." In Advances in Computational Intelligence, Security and Internet of Things, 132–45. Singapore: Springer Singapore, 2020. http://dx.doi.org/10.1007/978-981-15-3666-3_12.
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Theadore, Imbert, and Paul Jek Sitoh. "Decentralising Personal Credit Score." In Handbook of Research on Social Impacts of E-Payment and Blockchain Technology, 31–42. IGI Global, 2022. http://dx.doi.org/10.4018/978-1-7998-9035-5.ch003.
Full textAbstract:
The current process of securing a loan involves a cumbersome know-your-customer (KYC) process. The process also raises a question about the ownership of credit scores. In this chapter, the authors propose a solution based on a combination of decentralized identifier (DID) W3C blockchain and cryptographic wallet to make it possible to make credit scores possible. A decentralized identifier to enable a loan applicant to assert who he/she is without relying on a centralized identity issuer is key to enabling loan applicants to own his/her own credit score. The use of blockchain is to enable loan applicants to have his/her identity recorded immutably on a store that is trusted by all parties. Finally, the use of a cryptographic wallet is to enable loan applicants to assert identities on demand and prove his/her assertion.
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Graham, Alan. "Quaternary North American Vegetational History: 1.6 Ma to the Present." In Late Cretaceous and Cenozoic History of North American Vegetation (North of Mexico). Oxford University Press, 1999. http://dx.doi.org/10.1093/oso/9780195113426.003.0011.
Full textAbstract:
The Quaternary Period encompasses the Pleistocene and the Holocene or Recent Epochs. The date used for the beginning of the Pleistocene depends upon which globally recognizable event is selected as representing a significant break with the preceding Pliocene Epoch. Candidates include the Gauss-Matuyama magnetopolarity boundary (~2.8 Ma; see Quaternary International, 1997); the initiation of widespread permafrost, a frigid Arctic Ocean, and rapid glaciation in the high northern latitudes (~2.4 Ma; Shackleton and Opdyke, 1977; Shackleton et al., 1984); or the African Olduvai paleomagnetic event between 1.87 and 1.67 Ma. The transition from hothouse to icehouse conditions was gradual, but the Pleistocene is typified at Vrica, Italy, as beginning at ~1.67 Ma (Aguirre and Pasini, 1985; Richmond and Fullerton, 1986; oxygen isotope stage 62), and that is the date used here. In the conterminous United States the Elk Creek till of Nebraska is 2.14 m.y. in age (Hallberg, 1986), and the onset of the full ice age is represented by the onset of repeated glaciations at ~850 Kya when glaciers extended down the Mississippi River Valley. Subsequently, glacial-interglacial conditions fluctuated until the latest retreat at ~11 Kya that began the Holocene or Recent Epoch. The chronology of ice age events began with the publication of Louis Agassiz’s (1840) Etudes surles Glaciers. In the absence of evidence to the contrary, a single glacial advance was envisioned as blanketing the high latitudes. In the 1940s Willard E Libby at the University of Chicago perfected the technique of radiocarbon dating, and Flint and Rubin (1955) applied this methodology of “isotopic clocks” to establishing the absolute chronology of drift deposits from the eastern and midwestern United States. Their radiocarbon dates showed evidence of two or more times of continental-scale glaciations; older organic material was “radiocarbon inert” and beyond the ~40-Ky range of the technique. A standard chronology eventually became established for North America that included four major glacial stages (Nebraskan, oldest; Kansan; Illinoian; and Wisconsin) separated by four interglacials (Aftonian, oldest; Yarmouth, Sangamon, and the present Holocene).
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"Documentation Letter Of H. B. Kyr Ivan Myroslav Lubachivsky Of L'viv To H. E. Edward I. Cardinal Cassidy On The Document Of Balamand, Lebanon." In The Harp (Volume 7), edited by V. C. Samuel, Geevarghese Panicker, and Rev Jacob Thekeparampil, 133–40. Piscataway, NJ, USA: Gorgias Press, 2012. http://dx.doi.org/10.31826/9781463232979-008.
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"W. Transc. Western Transcaucasia 25. E. Transc. Eastern Transcaucasia 26. S. Transc. Southern Transcaucasia 27. Tal. Talysh 28. Ob. Ob region (from eastern slopes of Urals to Yenisei River) 29. U.Tob. Upper Tobol IV. Western Siberia 30. Irt. Irtysh 31. Alt. Altai V. Eastern Siberia 32. Yenis. Yenisei 33. Lena-Kol. Lena-Kolyma 34. Ang. Say. Angara River-Sayans 35. Dau. Dauria VI. Far East 36. Kamch. Kamchatka 37. Okh. Okhotsk 38. Ze.-Bu. Zeya-Bureya 39. Uda Uda River area 40. Uss. Ussuri 41. Sakh. Sakhalin VII. Soviet Central Asia 42. Ar.-Casp. Aral-Caspian 43. Balkh. Lake Balkhash area 44. Dzu.-Tarb. Dzungaria-Tarbatagai 45. Kyz. K. Kazyl-Kum 46. Kara K. Kara-Kum 47. Mtn. Turkm. Montane Turkmenistan 48. Amu D. Amu Darya foothills 49. Syr. D. Syr Darya foothills 50. Pam.-Al. Pamir-Alai 51. T. Sh. Tien Shan ABBREVIATIONS OF REGIONS USED TO INDICATE GENERAL DISTRIBUTION OF SPECIES IN “FLORA OF USSR” I. Arc. Arctic (Spitsbergen, Greenland and others)." In Flora of the USSR, 250. CRC Press, 2004. http://dx.doi.org/10.1201/9781482280197-21.
Full textConference papers on the topic "E-KYC"
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Gunardi, Christopher Ivan, Amadea Rashida, Hendrawan, Eueung Mulyana, and Wawan Hermawan. "Web-Based Gender Classification ML Application Development for e-KYC." In 2023 17th International Conference on Telecommunication Systems, Services, and Applications (TSSA). IEEE, 2023. http://dx.doi.org/10.1109/tssa59948.2023.10366938.
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Verma, Kavery, Rajnish Kumar, Amarana Prabhakara Rao, and Rakesh Ranjan. "Efficient e-KYC Authentication System: Redefining Customer Verification in Digital Banking." In 2023 9th International Conference on Signal Processing and Communication (ICSC). IEEE, 2023. http://dx.doi.org/10.1109/icsc60394.2023.10441596.
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Dumbre, Tejas, Roshan Shaji, Shweta Sanadhya, C. N. S. Vinoth Kumar, and L. Vijayakumari. "Blockchain-Powered KYC in a CBDC World: The E-Rupee Experience." In 2024 IEEE International Conference for Women in Innovation, Technology & Entrepreneurship (ICWITE). IEEE, 2024. http://dx.doi.org/10.1109/icwite59797.2024.10503229.
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Jaber, Bara'ah, Dima Kriwiesh, and Muna Abu AlRagheb. "A Blockchain Framework in the Banking Sector Based in e-KYC System Conceptual Framework." In 2024 2nd International Conference on Cyber Resilience (ICCR). IEEE, 2024. http://dx.doi.org/10.1109/iccr61006.2024.10532852.
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Suga, Yuji. "ICH 3-party model for claims distribution on the blockchain and their application to the e-KYC-e model." In 2022 IEEE 4th Global Conference on Life Sciences and Technologies (LifeTech). IEEE, 2022. http://dx.doi.org/10.1109/lifetech53646.2022.9754919.
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Vorakulpipat, Chalee, and Siriboon Chaisawat. "TANDOORI: A Passive Customer-Centric and Truly End-to-End Approach using e-KYC and Location-based Positioning for Logistics Services." In ASSE' 22: 2022 3rd Asia Service Sciences and Software Engineering Conference. New York, NY, USA: ACM, 2022. http://dx.doi.org/10.1145/3523181.3523201.
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Maynard, James, Craig Dietsch, and Daniel Sturmer. "PAUL E. POTTER: HIS YEARS AT CINCINNATI, INTERWOVEN WITH THE IL, IN, OH, AND KY STATE SURVEYS." In Joint 55th Annual North-Central / 55th Annual South-Central Section Meeting - 2021. Geological Society of America, 2021. http://dx.doi.org/10.1130/abs/2021nc-362778.
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San Andrés, Luis, Jonathan Toner, and Andy Alcantar. "Measurements to Quantify the Effect of a Reduced Flow Rate on the Performance of a Tilting Pad Journal Bearing (LBP) With Flooded Ends." In ASME Turbo Expo 2021: Turbomachinery Technical Conference and Exposition. American Society of Mechanical Engineers, 2021. http://dx.doi.org/10.1115/gt2021-58771.
Full textAbstract:
Abstract Operation of tilting pad journal bearings (TPJBs) with a reduced flow decreases pumping costs and oil sump storage. A low supplied oil flow improves system energy efficiency by reducing drag power losses, albeit the temperature rise in both the bearing pads and the lubricating oil become a concern. This paper presents measurements of the static and dynamic load performance of a flooded ends TPJB lubricated with an ISO VG 46 oil supplied at 60 °C, and with flowrate ranging from 150% to just ∼5% of a nominal supply condition. The flow range covers both over-flooded and starved flow conditions. The test bearing is a four-pad, 102 mm diameter, center pivot, with single orifice feeds, and configured with end seals to flood the bearing housing. The experiments include operation at two shaft speeds = 6 krpm and 12 krpm (= 64 m/s surface speed) and under three specific loads = 0.345 MPa, 1.03 MPa and 2.07 MPa applied in between pads (LBP). The measurements show the bearing drag power loss decreases by nearly 20% when the flow rate drops to 50% of nominal. However, halving the flow produces a raise in pad subsurface temperatures, ∼7 °C for operation at 12 krpm. Flow reduction below 50% does result in even more substantial power savings; however, it also produces too hot pad temperatures that approach 130 °C, a known limit for Babbitt material safe operation. The bearing static eccentricity (e) and direct stiffnesses Kxx < Kyy (load direction) do not show a significant dependency on the supplied flow, either above or below the nominal condition. A minor stiffness hardening does occur for very low flow conditions, 5% or so of nominal. Damping coefficients (Cxx ∼ Cyy) decrease by ∼30% as the flow rate decreases from 150% to just a few % of nominal flow. The experimental results are first to quantify operation of a TPJB supplied with minute amounts of lubricant flow. A test with a very low flow rate at ∼2% of nominal and under a light load produced the emergence of a broadband subsynchronous vibration frequency, albeit with very small amplitude.
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Горнов, Даниил Андреевич, and Ольга Анатольевна Гаврилова. "Характеристика пыльцы некоторых представителей семейства Juglandaceae, произрастающих в Восточной Азии." In Plants in the monsoonal climate - IX. Botanical Garden-Institute FEB RAS, 2022. http://dx.doi.org/10.17581/mon2022.008.
Full textAbstract:
Реликтовое семейство Juglandaceae представляет практический интерес для изучения не только ценных пищевых и технических культур, но и как хороший индикатор изменений климатических обстановок в прошлом и в настоящем времени. Нами исследована пыльца некоторых восточноазиатских представителей семейства. Пыльца родов различается по размерам, очертанию, числу и строению апертур. На основании структурных признаков можно выделить 4 морфологических типа. В данном докладе представлена характеристика пыльцы 7 представителей семейства Juglandaceae, имеющих естественный ареал на Дальнем Востоке России и в странах Восточной Азии: Juglans mandshurica, J. sieboldiana (= J. ailantifolia), Pterocarya rhoifolia, P. stenoptera, P. macroptera, Rhoiptelea chiliantha, Engelhardia spicata. Для изучения был исследован материал гербариев Ботанического института им. В. Л. Комарова РАН (LE), кафедры геоботаники Биологического факультета Московского госуниверситета им. М. В. Ломоносова (MW) и Киотского университета (KYO). Собранный материал был обработан ацетолизным методом Эрдтмана и изучен с помощью световой микроскопии при увеличении в 1000 раз с применением иммерсии, конфокальной лазерной сканирующей микроскопии и сканирующей электронной микроскопии. Пыльцевые зёрна типа Juglans (J. mandshurica, J. sieboldiana) 5 –11 поровые, чаще 7 – 9 поровые, в очертании широкоэллиптические с экватора, угловато-округлые с полюса; от 26,45±2,14 до 33,12±2,41 µm в экваториальном диаметре, полярная ось от 13,6±1,72 до 18,8±1,72 µm. Поры с ободком, округлые,расположены по экватору, 2 – 3 поры находятся на полусферах. Экзина тонкая, мелкошипиковая. Пыльцевые зёрна типа Pterocarya (P. rhoifolia, P. stenoptera, P. macroptera) 5-7 поровые, редко 4 и 8 поровые, в очертании широкоовальные с экватора, угловато-округлые с полюса; от 26,1±3,4 до 45,0±3,8 µm в экваториальном диаметре, полярная ось от 21,4±2,0 до 34,0±2,9 µm. Поры с ободком, округлые, иногда овальные, расположены по экватору. Одна пора может быть сдвинута в сторону полюса. Поверхность экзины мелкошипиковатая. Пыльцевые зёрна типа Rhoiptelea (R. chiliantha) 3-бороздно-поровые, в очертании линзовидные с экватора, треугольные с полюса; 24,15±2,54 µm в экваториальном диаметре, полярная ось 20,09±2,29 µm. Борозды очень короткие, с неровными краями. Поры округлые, расположены по экватору. В районе пор экзина формирует камеру с неровными краями. Поверхность экзины бугорчатая. Также экзина формирует 3 (4) «аркоидные» структуры, идущие от поры к поре. Пыльцевые зёрна типа Engelhardia (E. spicata) 3 – 8 бороздно-поровые, чаще шести, в очертании эллиптические с экватора, угловато-округлые с полюса; 19,66±1,25 µm в экваториальном диаметре, полярная ось 15,30±1,41 µm. Поры с ободком, округлые, расположены по экватору. В районе пор экзина расщепляется и формирует камеру. Экзина тонкая, мелкобугорчатая. Выявленные морфологические типы пыльцы соответствуют таксономическому разделению семейства на роды.
Reports on the topic "E-KYC"
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Comerford, Milo, and Simeon Dukic. Ekstremizmi Online: Sfidat dhe Mundësitë në Ballkanin Perëndimor. RESOLVE Network, February 2021. http://dx.doi.org/10.37805/pn2021.7.wb.
Full textAbstract:
Ballkani Perëndimor përballet me një sfidë të dyfishtë si pasojë e ekstremizmit online. Platformat online po lehtësojnë shënjestrimin specifik të rajonit nga narrativa të ndryshme ekstremiste ndërkombëtare. Ndërkohë, historia dhe gjeopolitika rajonale po përvetësohen për të justifikuar veprimet dhe narrativat ekstremiste në mbarë botën. Sidoqoftë, ky fenomen është pjesë e një tendence më të gjerë, e cila vë në dukje sfidën gjithnjë e më të madhe që paraqet përhapja e ideologjive ekstremiste transkombëtare në platformat online, si ato xhihadiste të dhunshme ashtu edhe ato të ekstremit të djathtë. Në Ballkanin Perëndimor, kjo paraqet një sërë rreziqesh specifike.
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Inman, Kris. Kthimi te bazat e: hulum mit mbi ekstremizmin e. RESOLVE Network, November 2021. http://dx.doi.org/10.37805/rve2021.4.
Full textAbstract:
Ky kapitull rishikon bazat e hulumtimit, që nga formulimi i një pyetjeje hulumtimi deri tek etika e hulumtimit, të cilat mund të anashkalohen lehtësisht në hulumtimet e aplikuara të kryera për të kuptuar luftën kundër ekstremizmit të dhunshëm (LEDH). Kapitulli paraqet shembuj të praktikave të mira dhe të këqija të hulumtimit, si dhe mënyra praktike për të përmirësuar projektet e hulumtimit duke iu kthyer parimeve themelore për mbledhjen dhe analizën cilësore dhe sasiore të të dhënave. Ndërsa kapitulli mund të shërbejë si një udhëzues praktik për projekte të shëndosha hulumtimi, ai shkon përtej elementeve thelbësore të hulumtimit dhe diskuton arsyet përse këto praktika më të mira hulumtimi janë të rëndësishme për politikëbërësit dhe për të përmirësuar njohuritë tona për luftën kundër terrorizmit të dhunshëm.