Groups of services delivered by Brazilian branchless banking and respective network integration models

Over the last decade, Brazil has pioneered an innovative model of branchless banking, known as correspondent banking, involving distribution partnership between banks, several kinds of retailers and a variety of other participants, which have allowed an unprecedented growth in bank outreach and became a reference worldwide. However, despite the extensive number of studies recently developed focusing on Brazilian branchless banking, there exists a clear research gap in the literature. It is still necessary to identify the different business configurations involving network integration through which the branchless banking channel can be structured, as well as the way they relate to the range of bank services delivered. Given this gap, our objective is to investigate the relationship between network integration models and services delivered through the branchless banking channel. Based on twenty interviews with managers involved with the correspondent banking business and data collected on almost 300 correspondent locations, our research is developed in two steps. First, we created a qualitative taxonomy through which we identified three classes of network integration models. Second, we performed a cluster analysis to explain the groups of financial services that fit each model. By contextualizing correspondents' network integration processes through the lens of transaction costs economics, our results suggest that the more suited to deliver social-oriented, "pro-poor'' services the channel is, the more it is controlled by banks. This research offers contributions to managers and policy makers interested in understanding better how different correspondent banking configurations are related with specific portfolios of services. Researchers interested in the subject of branchless banking can also benefit from the taxonomy presented and the transaction costs analysis of this kind of banking channel, which has been adopted in a number of developing countries all over the world now. (C) 2011 Elsevier B.V. All rights reserved.

Applicazioni di marketing per i geo-social network: il caso Foursquare

La geolocalizzazione e i LBS (Location-based services), servizi associati a questi tecnologia stanno trasformando radicalmente il modo in cui i consumatori interagiscono con brand, prodotti e aziende, sia online che nel mondo reale. L 'esplosione nell'utilizzo degli smartphone ha causato un notevole aumento dell'interesse degli utenti per i servizi geolocalizzati, che aprono nuove frontiere sia ai consumatori che ai marketers. Questa tesi di laurea analizza in particolare il fenomeno Foursquare nel mondo e in Italia definendo il modello di business associato a questa tecnologia, servendosi di numerose case history e testimonianze.

Business Clusters in Eastern Europe: Policy Analysis and Cluster Performance

Clusters have increasingly become an essential part of policy discourses at all levels, EU, national, regional, dealing with regional development, competitiveness, innovation, entrepreneurship, SMEs. These impressive efforts in promoting the concept of clusters on the policy-making arena have been accompanied by much less academic and scientific research work investigating the actual economic performance of firms in clusters, the design and execution of cluster policies and going beyond singular case studies to a more methodologically integrated and comparative approach to the study of clusters and their real-world impact. The theoretical background is far from being consolidated and there is a variety of methodologies and approaches for studying and interpreting this phenomenon while at the same time little comparability among studies on actual cluster performances. The conceptual framework of clustering suggests that they affect performance but theory makes little prediction as to the ultimate distribution of the value being created by clusters. This thesis takes the case of Eastern European countries for two reasons. One is that clusters, as coopetitive environments, are a new phenomenon as the previous centrally-based system did not allow for such types of firm organizations. The other is that, as new EU member states, they have been subject to the increased popularization of the cluster policy approach by the European Commission, especially in the framework of the National Reform Programmes related to the Lisbon objectives. The originality of the work lays in the fact that starting from an overview of theoretical contributions on clustering, it offers a comparative empirical study of clusters in transition countries. There have been very few examples in the literature that attempt to examine cluster performance in a comparative cross-country perspective. It adds to this an analysis of cluster policies and their implementation or lack of such as a way to analyse the way the cluster concept has been introduced to transition economies. Our findings show that the implementation of cluster policies does vary across countries with some countries which have embraced it more than others. The specific modes of implementation, however, are very similar, based mostly on soft measures such as funding for cluster initiatives, usually directed towards the creation of cluster management structures or cluster facilitators. They are essentially founded on a common assumption that the added values of clusters is in the creation of linkages among firms, human capital, skills and knowledge at the local level, most often perceived as the regional level. Often times geographical proximity is not a necessary element in the application process and cluster application are very similar to network membership. Cluster mapping is rarely a factor in the selection of cluster initiatives for funding and the relative question about critical mass and expected outcomes is not considered. In fact, monitoring and evaluation are not elements of the cluster policy cycle which have received a lot of attention. Bulgaria and the Czech Republic are the countries which have implemented cluster policies most decisively, Hungary and Poland have made significant efforts, while Slovakia and Romania have only sporadically and not systematically used cluster initiatives. When examining whether, in fact, firms located within regional clusters perform better and are more efficient than similar firms outside clusters, we do find positive results across countries and across sectors. The only country with negative impact from being located in a cluster is the Czech Republic.

Pervasive Business Intelligence

In the last few years, a new generation of Business Intelligence (BI) tools called BI 2.0 has emerged to meet the new and ambitious requirements of business users. BI 2.0 not only introduces brand new topics, but in some cases it re-examines past challenges according to new perspectives depending on the market changes and needs. In this context, the term pervasive BI has gained increasing interest as an innovative and forward-looking perspective. This thesis investigates three different aspects of pervasive BI: personalization, timeliness, and integration. Personalization refers to the capacity of BI tools to customize the query result according to the user who takes advantage of it, facilitating the fruition of BI information by different type of users (e.g., front-line employees, suppliers, customers, or business partners). In this direction, the thesis proposes a model for On-Line Analytical Process (OLAP) query personalization to reduce the query result to the most relevant information for the specific user. Timeliness refers to the timely provision of business information for decision-making. In this direction, this thesis defines a new Data Warehuose (DW) methodology, Four-Wheel-Drive (4WD), that combines traditional development approaches with agile methods; the aim is to accelerate the project development and reduce the software costs, so as to decrease the number of DW project failures and favour the BI tool penetration even in small and medium companies. Integration refers to the ability of BI tools to allow users to access information anywhere it can be found, by using the device they prefer. To this end, this thesis proposes Business Intelligence Network (BIN), a peer-to-peer data warehousing architecture, where a user can formulate an OLAP query on its own system and retrieve relevant information from both its local system and the DWs of the net, preserving its autonomy and independency.

MongoDB: analisi e prototipazione su applicazioni di social business intelligence

L’ultimo decennio ha visto un radicale cambiamento del mercato informatico, con la nascita di un numero sempre maggiore di applicazioni rivolte all’interazione tra utenti. In particolar modo, l’avvento dei social network ha incrementato notevolmente le possibilità di creare e condividere contenuti sul web, generando volumi di dati sempre maggiori, nell’ordine di petabyte e superiori. La gestione di tali quantità di dati ha portato alla nascita di soluzioni non relazionali appositamente progettate, dette NoSQL. Lo scopo di questo documento è quello di illustrare come i sistemi NoSQL, nello specifico caso di MongoDB, cerchino di sopperire alle difficoltà d’utilizzo dei database relazionali in un contesto largamente distribuito. Effettuata l'analisi delle principali funzionalità messe a disposizione da MongoDB, si illustreranno le caratteristiche di un prototipo di applicazione appositamente progettato che sfrutti una capacità peculiare di MongoDB quale la ricerca full-text. In ultima analisi si fornirà uno studio delle prestazioni di tale soluzione in un ambiente basato su cluster, evidenziandone il guadagno prestazionale.

Digital marketing: le nuove opportunità di business per le aziende nell'era del web 2.0

L’elaborato ha lo scopo di presentare le nuove opportunità di business offerte dal Web. Il rivoluzionario cambiamento che la pervasività della Rete e tutte le attività correlate stanno portando, ha posto le aziende davanti ad un diverso modo di relazionarsi con i propri consumatori, che sono sempre più informati, consapevoli ed esigenti, e con la concorrenza. La sfida da accettare per rimanere competitivi sul mercato è significativa e il mutamento in rapido sviluppo: gli aspetti che contraddistinguono questo nuovo paradigma digitale sono, infatti, velocità, mutevolezza, ma al tempo stesso misurabilità, ponderabilità, previsione. Grazie agli strumenti tecnologici a disposizione e alle dinamiche proprie dei diversi spazi web (siti, social network, blog, forum) è possibile tracciare più facilmente, rispetto al passato, l’impatto di iniziative, lanci di prodotto, promozioni e pubblicità, misurandone il ritorno sull’investimento, oltre che la percezione dell’utente finale. Un approccio datacentrico al marketing, attraverso analisi di monitoraggio della rete, permette quindi al brand investimenti più mirati e ponderati sulla base di stime e previsioni. Tra le più significative strategie di marketing digitale sono citate: social advertising, keyword advertising, digital PR, social media, email marketing e molte altre. Sono riportate anche due case history: una come ottimo esempio di co-creation in cui il brand ha coinvolto direttamente il pubblico nel processo di produzione del prodotto, affidando ai fan della Pagina Facebook ufficiale la scelta dei gusti degli yogurt da mettere in vendita. La seconda, caso internazionale di lead generation, ha permesso al brand di misurare la conversione dei visitatori del sito (previa compilazione di popin) in reali acquirenti, collegando i dati di traffico del sito a quelli delle vendite. Esempio di come online e offline comunichino strettamente.

Business analytics e risorse umane. Il caso dell'azienda CAE S.P.A.

La velocità di cambiamento che caratterizza il mercato ha posto l'attenzione di molte imprese alla Business Analysis. La raccolta, la gestione e l'analisi dei dati sta portando numerosi benefici in termini di efficienza e vantaggio competitivo. Questo è reso possibile dal supporto reale dei dati alla strategia aziendale. In questa tesi si propone un'applicazione della Business Analytics nell'ambito delle risorse umane. La valorizzazione del Capitale Intellettuale è fondamentale per il miglioramento della competitività dell'impresa, favorendo così la crescita e lo sviluppo dell'azienda. Le conoscenze e le competenze possono incidere sulla produttività, sulla capacità innovativa, sulle strategie e sulla propria reattività a comprendere le risorse e le potenzialità a disposizione e portano ad un aumento del vantaggio competitivo. Tramite la Social Network Analysis si possono studiare le relazioni aziendali per conoscere diversi aspetti della comunicazione interna nell'impresa. Uno di questi è il knowledge sharing, ovvero la condivisione della conoscenza e delle informazioni all'interno dell'organizzazione, tema di interesse nella letteratura per via delle potenzialità di crescita che derivano dal buon utilizzo di questa tecnica. L'analisi si è concentrata sulla mappatura e sullo studio del flusso di condivisione di due delle principali componenti della condivisione di conoscenza: sharing best prectices e sharing mistakes, nel caso specifico si è focalizzato lo studio sulla condivisione di miglioramenti di processo e di problematiche o errori. È stata posta una particolare attenzione anche alle relazioni informali all'interno dell'azienda, con l'obiettivo di individuare la correlazione tra i rapporti extra-professionali nel luogo di lavoro e la condivisione di informazioni e opportunità in un'impresa. L'analisi delle dinamiche comunicative e l'individuazione degli attori più centrali del flusso informativo, permettono di comprendere le opportunità di crescita e sviluppo della rete di condivisione. La valutazione delle relazioni e l’individuazione degli attori e delle connessioni chiave fornisce un quadro dettagliato della situazione all'interno dell'azienda.

Ago e filo 3.0: quali opportunità di business per l'artigianato locale con l'evoluzione dei social? C'è ancora spazio e visibilità per loro?

Con l’evoluzione dei social network e degli strumenti del 2.0 (blog, wiki, forum), internet si avvia verso nuove forme di business cui artigiani e pmi possono sfruttare per nuove opportunità, unendo social network e e-commerce e capire come si è evoluto il processo di creazione e finanziamento di un prodotto. La tesi è un viaggio per scoprire quali sono queste nuove opportunità per chi pratica artigianato a livello locale, e come è cambiata la figura stessa dell’artigiano, tra questi un nuovo movimento chiamato makers, che sfruttano i nuovi strumenti, tra cui anche mezzi rivoluzionari come la stampante 3D ora accessibile a tutti per creare oggetti e nuove idee. Sarà necessario capire quali sono le vetrine online dove e come poter vendere i nostri prodotti e profilare attraverso una segmentazione l’utente medio che già utilizza il social-commerce. In seguito si tratta il caso empirico di una start-up italiana, Blomming, una dei primi a differenziarsi dagli altri marketplace più famosi come contenitore adatto ad artigiani, ma non solo. Si seguiranno le varie fasi di crescita da un’idea, introduzione nel mercato fino alla direzione a cui si sta avviando con le ultime novità effettuando un’analisi dei rischi. Infine per capire tendenze e storie di chi sta già usando queste piattaforme è stato necessario fare un profilo dell’artigiano fai-da-te medio intervistando, e successivamente creando grafici, 100 artigiani che già vendono online.

Perceived Influence and Friendship as Antecedents of Cooperation in Top Management Teams: A Network Approach

Using the relational dyad as unit of analysis this study examines the effects of perceived influence and friendship ties on the formation and maintenance of cooperative relationships between corporate top executives. Specifically, it is argued that perceived influence as well as friendship ties between any two managers will enhance the likelihood that these managers collaborate with each other. Additionally, a negative interaction effect between perceived influence and friendship on cooperation is proposed. The empirical analyses draw on network data that have been collected among all members of the top two organizational levels for the strategy-making process in two multinational firms headquartered in Germany. Applying logistic regression based on QAP the empirical results support our hypotheses on the direct effects between perceived influence, friendship ties, and cooperative relationships in both companies. In addition, we find at least partial support for our assumption that perceived influence and friendship interact negatively with respect to their effect on cooperation. Seemingly, perceived influence is partially substituted by managerial friendship ties.

El CIFOT como apoyo a la tarea empresarial : the CIFOT as support to the business task

Empresas como HEXA S.A. desean introducir SIG como elemento para incrementar el valor agregado de los proyectos de consultoría que realizan. Tal es el caso del trabajo encomendado por ellos al CIFOT titulado Esquema hidromorfológico de la cuenca del río Tunuyán Superior y clasificación de Usos del Suelo del Oasis Centro Oeste; Provincia de Mendoza. Se unifica en un único modelo digital una serie de cartas topográficas (IGM) digitalizan diversos niveles de información (curvas de nivel, hidrografía de la cuenca del río Tunuyán), red de caminos y su jerarquía. A partir de la base de datos lograda, se generan mapas temáticos de cada cuenca, apoyados con imágenes satelitales Landsat TM, que permiten identificar cobertura nivo- glacial y usos del suelo en el Oasis. Con esta información la empresa obtiene un modelo de simulación del Río Tunuyán para predecir el caudal que conduciría el río ante determinadas nevadas, por ejemplo. Se propone además un modelo de SIG para el monitoreo de la zona.

Linked versus Non-linked Firms in Innovation: The Effects of Economies of Network in Agglomeration in East Asia

This paper proposes a new mechanism linking innovation and network in developing economies to detect explicit production and information linkages and investigates the testable implications of these linkages using survey data gathered from manufacturing firms in East Asia. We found that firms with more information linkages tend to innovate more, have a higher probability of introducing new goods, introducing new goods to new markets using new technologies, and finding new partners located in remote areas. We also found that firms that dispatched engineers to customers achieved more innovations than firms that did not. These findings support the hypothesis that production linkages and face‐to‐face communication encourage product and process innovation.

Technology network for machine tools in Vietnam

When Vietnam joined the WTO, it accepted foreign direct investment and started to grow. Technically, it was then greatly influenced by the enterprises that entered the country through direct investment. This report shows that the technology network for machine tools is formed via direct investment and subcontracting.

Orchestration of energy efficiency capabilities for a sustainable network management

The energy demand for operating Information and Communication Technology (ICT) systems has been growing, implying in high operational costs and consequent increase of carbon emissions. Both in datacenters and telecom infrastructures, the networks represent a significant amount of energy spending. Given that, there is an increased demand for energy eficiency solutions, and several capabilities to save energy have been proposed. However, it is very dificult to orchestrate such energy eficiency capabilities, i.e., coordinate or combine them in the same network, ensuring a conflict-free operation and choosing the best one for a given scenario, ensuring that a capability not suited to the current bandwidth utilization will not be applied and lead to congestion or packet loss. Also, there is no way in the literature to do this taking business directives into account. In this regard, a method able to orchestrate diferent energy eficiency capabilities is proposed considering the possible combinations and conflicts among them, as well as the best option for a given bandwidth utilization and network characteristics. In the proposed method, the business policies specified in a high-level interface are refined down to the network level in order to bring highlevel directives into the operation, and a Utility Function is used to combine energy eficiency and performance requirements. A Decision Tree able to determine what to do in each scenario is deployed in a Software Defined Network environment. The proposed method was validated with diferent experiments, testing the Utility Function, checking the extra savings when combining several capabilities, the decision tree interpolation and dynamicity aspects. The orchestration proved to be valid to solve the problem of finding the best combination for a given scenario, achieving additional savings due to the combination, besides ensuring a conflict-free operation.

A formal framework for modelling complex network management systems

Society today is completely dependent on computer networks, the Internet and distributed systems, which place at our disposal the necessary services to perform our daily tasks. Subconsciously, we rely increasingly on network management systems. These systems allow us to, in general, maintain, manage, configure, scale, adapt, modify, edit, protect, and enhance the main distributed systems. Their role is secondary and is unknown and transparent to the users. They provide the necessary support to maintain the distributed systems whose services we use every day. If we do not consider network management systems during the development stage of distributed systems, then there could be serious consequences or even total failures in the development of the distributed system. It is necessary, therefore, to consider the management of the systems within the design of the distributed systems and to systematise their design to minimise the impact of network management in distributed systems projects. In this paper, we present a framework that allows the design of network management systems systematically. To accomplish this goal, formal modelling tools are used for modelling different views sequentially proposed of the same problem. These views cover all the aspects that are involved in the system; based on process definitions for identifying responsible and defining the involved agents to propose the deployment in a distributed architecture that is both feasible and appropriate.

Applying model-driven engineering to the development of Rich Internet Applications for Business Intelligence

Business Intelligence (BI) applications have been gradually ported to the Web in search of a global platform for the consumption and publication of data and services. On the Internet, apart from techniques for data/knowledge management, BI Web applications need interfaces with a high level of interoperability (similar to the traditional desktop interfaces) for the visualisation of data/knowledge. In some cases, this has been provided by Rich Internet Applications (RIA). The development of these BI RIAs is a process traditionally performed manually and, given the complexity of the final application, it is a process which might be prone to errors. The application of model-driven engineering techniques can reduce the cost of development and maintenance (in terms of time and resources) of these applications, as they demonstrated by other types of Web applications. In the light of these issues, the paper introduces the Sm4RIA-B methodology, i.e., a model-driven methodology for the development of RIA as BI Web applications. In order to overcome the limitations of RIA regarding knowledge management from the Web, this paper also presents a new RIA platform for BI, called RI@BI, which extends the functionalities of traditional RIAs by means of Semantic Web technologies and B2B techniques. Finally, we evaluate the whole approach on a case study—the development of a social network site for an enterprise project manager.