Sistema de monitorização online

Dissertação para obtenção do Grau de Mestre em Energias Renováveis – Conversão Elétrica e Utilização Sustentável

How to increase value for customers of style in a box: The first Portuguese online platform for renting luxury dresses

A Work Project, presented as part of the requirements for the Award of a Masters Degree in Management from the NOVA – School of Business and Economics

A expansão de conteúdos informativos online e a crescente necessidade da sua regulação

Dissertação apresentada para cumprimento dos requisitos necessários à obtenção do grau de Mestre em Comunicação, Media e Justiça

Descobrindo a Comunidade Otaku Portuguesa: os Fãs Online

O anime é uma parte integrante da cultura nipónica e cada vez mais espalhada pelo mundo, com uma vasta comunidade de okatus (fãs). Este artigo pretende interrogar de que forma a pequena comunidade em Portugal se organiza longe do público em geral e como se relaciona com os media, sejam os tradicionais ou os digitais. A pesquisa consistiu em entrevistas a fãs que organizam a comunidade, como organizadores de eventos de fãs e administradores de fóruns de discussão, e num inquérito a fãs comuns.

Personal advisors for business professionals: improving communication skills with online corpora

The business sphere is a multilingual world where foreign language communication skills are crucial in international relations. It makes employers look for business professionals who have a high level of linguistic competences. Language proficiency increases the chances of negotiation among partners. There are mainly two obstacles that make barriers in formal communication in a foreign language: lack of knowledge of specific linguistic structures or terminology and frequent transitions from one language to another. This paper contributes to the quest for quick access to a wide range of English, Spanish and Russian online databases that provide authentic language samples. Their application may improve communication skills and facilitate preparation for business discourse.

Plataforma online de partilha e comparação de software para análise de imagens da retina

Nesta Tese foi desenvolvida uma plataforma online multiutilizador, que tem como objetivo principal comparar algoritmos de análise de imagens para de-terminar o seu grau de eficácia. Um exemplo de aplicação é a comparação de algoritmos de análise de imagens da retina para deteção de drusas. A compa-ração é feita considerando um dos algoritmos como referência padrão e sobre o este são avaliados os restantes. O funcionamento da plataforma é semelhante à de um fórum, onde é possível a um utilizador criar tópicos publicando imagens e seu descritivo. Após a cria-ção do tópico qualquer utilizador pode visualizar o mesmo, dando a hipótese de comentar ou de acrescentar imagens processadas com os seus próprios al-goritmos de análise. Com o aumento de imagens processadas, obtém-se uma base de dados de algoritmos de análise de imagens sobre a qual é possível avaliar o seu grau de eficácia. A plataforma pretende também criar comunidades onde os utilizadores pos-sam interagir uns com os outros comentando sobre os tópicos, contribuindo assim para o melhoramento dos algoritmos. Deste modo, além de uma base de dados que qualquer utilizador pode usar, obtém-se uma fonte de informação disponibilizada por outros profissionais da área.

The impact of the European sovereign debt crisis on the recovering from the financial crisis: Equity returns of the banking sector

This paper analyses, through a dynamic panel data model, the impact of the Financial and the European Debt crisis on the equity returns of the banking system. The model is also extended to specifically investigate the impact on countries who received rescue packages. The sample under analysis considers eleven countries from January 2006 to June 2013. The main conclusion is that there was in fact a structural change in banks’ excess returns due to the outbreak of the European Debt Crisis, when stock markets were still recovering from the Financial Crisis of 2008.

Online consumer behavior: The tablet shopper – A new kind of customer?

Tablet computers are on the rise and are increasingly superseding stationary computers in terms of modern online shopping. This paper therefore aims on understanding how tablet and website characteristics might impact online consumer behavior. The collected data resulted from focus groups and in-depth interviews conducted with a technology affine audience. It has shown that tablets indeed may have shifted shopping behavior from utilitarian towards rather recreational attributes. Discussions also revealed high customer expectations towards visited shopping websites and prevailing deficits. Thus, harnessing the concept of experiential flow is crucial. Compelling experiences are required to increase the duration of stay and consequently the likelihood of increased purchases.

Recreação e Socialização – Um estudo de comunidades de jogadores online

O tema das comunidades virtuais apenas começou a ser considerado seriamente pela antropologia há relativamente pouco tempo, mas está já a revelar-se uma área tão complexa e interessante como as já anteriormente estudadas no decurso do desenvolvimento desta ciência. Através das novas tecnologias tem-se assistido cada vez mais à proliferação de uma nova forma de socialização que transcende as distâncias físicas e combina elementos de auto-expressão e projecção de imagem. Dentro deste vasto mundo de interacções virtuais, esta dissertação pretende abordar um de muitos contextos específicos – o de um dos maiores jogos online da actualidade, já com uma longa história, e mostrar como é ao mesmo tempo um instrumento de diversão e um meio de actividade social, no qual se cruzam uma variedade de indivíduos como parte de diferentes comunidades. Mas mais que isso, é também um meio complexo e multifacetado, com normas próprias e com uma base de apoio bastante envolvida. Vários milhões de jogadores participam neste meio, alguns encontrando-se fortemente investidos neste (por vezes em detrimento de outros interesses) e uma porção significativa segue o seu desenvolvimento com interesse e participa em eventos dentro e fora do jogo. Esta dissertação pretende explorar este meio, as suas particularidades e os seus participantes através da análise de material existente sobre o tema e da observação em primeira mão das interacções enquanto decorrem.

Predictability of stock market returns: Evidence from Eurozone's banking sectors

This paper analyzes the in-, and out-of sample, predictability of the stock market returns from Eurozone’s banking sectors, arising from bank-specific ratios and macroeconomic variables, using panel estimation techniques. In order to do that, I set an unbalanced panel of 116 banks returns, from April, 1991, to March, 2013, to constitute equal-weighted country-sorted portfolios representative of the Austrian, Belgian, Finish, French, German, Greek, Irish, Italian, Portuguese and Spanish banking sectors. I find that both earnings per share (EPS) and the ratio of total loans to total assets have in-sample predictive power over the portfolios’ monthly returns whereas, regarding the cross-section of annual returns, only EPS retain significant explanatory power. Nevertheless, the sign associated with the impact of EPS is contrarian to the results of past literature. When looking at inter-yearly horizon returns, I document in-sample predictive power arising from the ratios of provisions to net interest income, and non-interest income to net income. Regarding the out-of-sample performance of the proposed models, I find that these would only beat the portfolios’ historical mean on the month following the disclosure of year-end financial statements. Still, the evidence found is not statistically significant. Finally, in a last attempt to find significant evidence of predictability of monthly and annual returns, I use Fama and French 3-Factor and Carhart models to describe the cross-section of returns. Although in-sample the factors can significantly track Eurozone’s banking sectors’ stock market returns, they do not beat the portfolios’ historical mean when forecasting returns.

Home Banking

The object of this dissertation is focused on the study of the home banking service and how the allocation of losses due to computer fraud is processed in the scope of this service. When considering the questions raised by the allocation of losses associated with fraudulent operations, it is important to consider, mainly, the behaviour of the user of the home banking service. In our opinion, courts have been too demanding towards the user when judging his action in the use of this service. In this study, we have concluded that, when the user “falls” into a computer fraud scheme, he should not be liable for gross negligent behaviour, even if, due to the fraud, the user revealed all his access codes to a hacker on a page similar to that of his bank. In general, such facts will not be sufficient to qualify the user’s action as grossly negligent. Therefore, the user, under the terms of the Payment Services’ System, must bear the loss up to a maximum of €150, and the bank will face the remainder of the losses. However, if the user, victim of a fraudulent technique, ignored the safety warnings issued by the bank, one must consider, given the specific case, that he contributed to gross negligence in unauthorised payment transactions. Thus, the user must bear all the losses up to the moment when he notifies the bank about the unauthorised transactions. It is the bank’s responsibility to, given the specific case, adduce evidence of the client’s contribution to the identified losses.

Banking crises: The impact of financial liberalization

This paper intends to study whether financial liberalization tends to increase the likelihood of systemic banking crises. I used a sample of 79 countries with data spanning from 1973 to 2005 to run a panel probit model. I found that, if anything, financial liberalization as measured across seven different dimensions tends to decrease the probability of occurrence of a systemic banking crisis. I went further and did several robustness tests – used a conditional probit model, tested for different durations of liberalization impact and reduced the sample by considering only the first crisis event for each country. Main results still verified, proving the results’ robustness.

Reporting Income Taxes in the Banking Sector In Angola - Accounting, Tax Regulation and Financial Reporting Evidences

This research provides an insight into income taxes reporting in Angola, based on hand collected data from the annual reports of banks. Empirical studies on Angolan companies are scarce, in part due to the limited access to data. The results show that income taxes’ reporting has improved over the years 2010-2013, becoming more reliable and understandable. The Angolan Government is boosting the economic growth through tax benefits in the investment in public debt, which cause a reduction in the banks’ effective tax rate. The new income tax law will reduce the statutory tax rate from 2015 onwards and change the taxable income, resulting in shifting the focus to promoting private investment.

Portuguese commercial banking: An assessment of competition in the 1960-2013 period

Strong consolidation is one of the most evident developments of banking markets around the world in recent decades. This change is raising questions on how and to what an extent competition is affected by the expansion of the largest banks. The aim of the present study is to measure the degree of competition in the Portuguese commercial banking market in the long-run, during the period ranging from1960 to 2013, by using the non-structural model developed by Panzar and Rosse. The main findings are that the Portuguese banking system, despite the legal restrictions in place, operated mostly in a market with some degree of competition and, at some points in time, presented some interesting competitive features. More recently, it has evolved into functioning as a cartel.