Business Analytics

Atualmente o setor segurador enfrenta diversas dificuldades, não só pela crise económica internacional e pelo mercado cada vez mais competitivo, como também pelas exigências impostas pela entidade reguladora - Instituto de Seguros de Portugal (ISP). Desta forma, apenas as seguradoras que consigam monitorizar os seus riscos, adequando os prémios praticados, conseguirão sobreviver. A forma de o fazer é através de uma adequada tarifação. Neste contexto de elevada instabilidade, as plataformas de Business Intelligence (BI) têm vindo a desempenhar um papel cada vez mais importante no processo de tomada de decisão, nomeadamente, o Business Analytics (BA), que proporciona os métodos e ferramentas de análise. O objetivo deste projeto é desenvolver um protótipo de solução de BA que forneça os inputs necessários ao processo de tomada de decisão, através da monitorização da tarifa em vigor e da simulação do impacto da introdução de uma nova tarifa. A solução desenvolvida apenas abrange a tarifa de responsabilidade civil automóvel (RCA). Ao nível das ferramentas analíticas, o foco foi a análise visual, nomeadamente a construção de dashboards, onde se inclui a análise de sensibilidade ou what-if analysis (WIF). A motivação para o desenvolvimento deste projeto foi a constatação de inexistência de soluções para este fim nos ambientes profissionais em que estive envolvido.

Réglementation des technologies de l'information au Québec : la philosophie du projet de loi 161 en regard du droit canadien

Échange automatisé de messages préprogrammés, communication par courrier électronique, gestion électronique de documents (GED), Data warehouse, EDI… Le monde des affaires vibre depuis quelques années au rythme des nouvelles technologies de l’information. Le droit commercial lui, a du mal à emboîter le pas. Pourtant, les problèmes juridiques soulevés par ce règne de l’immatériel sont majeurs et les incertitudes, grandissantes. La mobilité accrue que permettent ces techniques modernes de transmission et de gestion des informations suggère une solution concertée, qui plus est, tiendra compte de l’évolution hâtée dans ce domaine. Le fondement en a été donné à travers la Loi type des Nations unies sur le commerce électronique en 1996. Plusieurs législations l’ont choisi comme modèle. La législation canadienne est de celles-ci, avec notamment sa Loi uniforme sur le commerce électronique adoptée par la Conférence pour l’harmonisation des lois au Canada en 1999. La législation québécoise aussi a suivi le mouvement. Le 16 juin 2000, un avant-projet de loi portant sur la normalisation juridique des technologies de l’information fut déposé devant l’Assemblée nationale. Cet avant-projet de loi est devenu projet de loi 161, Loi concernant le cadre juridique des technologies de l’information. Mais au-delà des apparences, le législateur québécois semble s’être écarté de la philosophie qui a influencé la Loi type et, conséquemment, la Loi uniforme. Si cette remarque est vérifiée, il faudra craindre l’isolement du Québec et, par ricochet, un positionnement peu concurrentiel dans le commerce international.

MapFish. A WebGIS 2.0 Framework: toolkit to build rich client WebGIS

MapFish is an open-source development framework for building webmapping applications. MapFish is based on the OpenLayers API and the Geo extension of Ext library, and extends the Pylons general-purpose web development framework with geo-specific functionnalities. This presentation first describes what the MapFish development framework provides and how it can help developers implement rich web-mapping applications. It then demonstrates through real web-mapping realizations what can be achieved using MapFish : Geo Business Intelligence applications, 2D/3D data visualization, on/off line data edition, advanced vectorial print functionnalities, advanced administration suite to build WebGIS applications from scratch, etc. In particular, the web-mapping application for the UN Refugee Agency (UNHCR) and a Regional Spatial Data Infrastructure will be demonstrated

Valores del capital humano y las competencias del líder que facilitan la implantación de la estrategia organizacional

La obtención de una ventaja competitiva, el desarrollo, el crecimiento, la perdurabilidad, entre otros, son los aspectos que buscan las organizaciones a través de las estrategias que se definen. Sin embargo, no es suficiente con diseñar las metas y los objetivos que se quieren alcanzar, es necesario aterrizar estos propósitos en planes de acción e involucrar a todos los miembros de la organización, lo cual se consigue a través de la implantación de la estrategia. En este sentido, la etapa de implantación de la estrategia en una organización, da curso al camino establecido en la etapa de formulación de la estrategia, por lo tanto, se relaciona directamente con su éxito o su fracaso. No obstante, este proceso no depende de algunos pocos miembros de la organización, de directivos o de funcionarios, sino que depende de la buena sincronización y armonía de todos aquellos que hacen parte de ella. La presente investigación a través de la revisión teórica y de evidencias empíricas, busca poner de manifiesto la incidencia de dos aspectos clave en la organización sobre la implantación de la estrategia, por un lado, los líderes, a partir de sus competencias interpersonales y por otro el capital humano, a partir de sus valores. Los resultados obtenidos muestran que tanto las competencias del líder como los valores del capital humano son determinantes para la adecuada implantación de la estrategia organizacional.

Estado situacional de los modelos basados en agentes y su impacto en la investigación organizacional

En un mundo hiperconectado, dinámico y cargado de incertidumbre como el actual, los métodos y modelos analíticos convencionales están mostrando sus limitaciones. Las organizaciones requieren, por tanto, herramientas útiles que empleen tecnología de información y modelos de simulación computacional como mecanismos para la toma de decisiones y la resolución de problemas. Una de las más recientes, potentes y prometedoras es el modelamiento y la simulación basados en agentes (MSBA). Muchas organizaciones, incluidas empresas consultoras, emplean esta técnica para comprender fenómenos, hacer evaluación de estrategias y resolver problemas de diversa índole. Pese a ello, no existe (hasta donde conocemos) un estado situacional acerca del MSBA y su aplicación a la investigación organizacional. Cabe anotar, además, que por su novedad no es un tema suficientemente difundido y trabajado en Latinoamérica. En consecuencia, este proyecto pretende elaborar un estado situacional sobre el MSBA y su impacto sobre la investigación organizacional.

Análisis de los conceptos de la cadena de suministro y su relación con el desempeño organizacional

En el contexto de globalización, cambio y entornos más agresivos para las organizaciones, se hace necesario conocer el impacto de la administración de la cadena de suministro en el desempeño organizacional y cómo el fortalecimiento de la cadena permite a las organizaciones mantenerse en el mercado (Jacoby, 2009). Esta tendencia aplica para las organizaciones en todo el mundo, en el caso de las organizaciones Colombianas se requiere un trabajo académico donde se haga un análisis de los impactos de las cadenas de suministro en el desempeño organizacional (Ministerio de Transporte, Ministerio de Comercio, DIAN, & DNP, 2008). Una muestra de lo anterior es el hecho de que Colombia se encuentra en el puesto 97 en el ranking de desempeño logístico hecho por el Banco Mundial en 2014 (Banco Mundial, 2014). Esto demuestra la necesidad de mejorar los procesos logísticos en el país mediante el fortalecimiento de las cadenas de suministros, permitiendo una mayor eficiencia y capacidad de respuesta ante las demandas globales de los diferentes mercados en un entorno cambiante y agresivo. Por lo anterior se debe comprender y dimensionar el potencial impacto que tenga el desempeño organizacional y la correcta gestión de la cadena de suministros en el contexto Colombiano. Por consiguiente a través de una exhaustiva revisión literaria se buscaran los puntos de convergencia entre el desempeño organizacional y la cadena de suministros, haciendo uso del modelo Balance Score Card para analizar desde las perspectivas financiera, clientes, procesos internos e innovación y aprendizaje de las organizaciones, las actividades que involucran las cadena de suministro: aprovisionamiento, producción y distribución.

Gestão e trabalhadores do conhecimento em Tecnologias da informação (UML)

RESUMO: O conhecimento existe desde sempre, mesmo num estado latente condicionado algures e apenas à espera de um meio (de uma oportunidade) de se poder manifestar. O conhecimento é duplamente um fenómeno da consciência: porque dela procede num dado momento da sua vida e da sua história e porque só nela termina, aperfeiçoando-a e enriquecendo-a. O conhecimento está assim em constante mudança. À relativamente pouco tempo começou-se a falar de Gestão do Conhecimento e na altura foi muito associada às Tecnologias da Informação, como meio de colectar, processar e armazenar cada vez mais, maiores quantidades de informação. As Tecnologias da Informação têm tido, desde alguns anos para cá, um papel extremamente importante nas organizações, inicialmente foram adoptadas com o propósito de automatizar os processos operacionais das organizações, que suportam as suas actividades quotidianas e nestes últimos tempos as Tecnologias da Informação dentro das organizações têm evoluído rapidamente. Todo o conhecimento, mesmo até o menos relevante de uma determinada área de negócio, é fundamental para apoiar o processo de tomada de decisão. As organizações para atingirem melhores «performances» e conseguirem transcender as metas a que se propuseram inicialmente, tendem a munir-se de mais e melhores Sistemas de Informação, assim como, à utilização de várias metodologias e tecnologias hoje em dia disponíveis. Por conseguinte, nestes últimos anos, muitas organizações têm vindo a demonstrar uma necessidade crucial de integração de toda a sua informação, a qual está dispersa pelos diversos departamentos constituintes. Para que os gestores de topo (mas também para outros funcionários) possam ter disponível em tempo útil, informação pertinente, verdadeira e fiável dos negócios da organização que eles representam, precisam de ter acesso a bons Sistemas de Tecnologias de Informação. Numa acção de poderem agir mais eficazmente e eficientemente nas tomadas de decisão, por terem conseguido tirar por esses meios o máximo de proveito possível da informação, e assim, apresentarem melhores níveis de sucesso organizacionais. Também, os Sistemas de «Business Intelligence» e as Tecnologias da Informação a ele associadas, utilizam os dados existentes nas organizações para disponibilizar informação relevante para as tomadas de decisão. Mas, para poderem alcançar esses níveis tão satisfatórios, as organizações necessitam de recursos humanos, pois como podem elas serem competitivas sem Luís Miguel Borges – Gestão e Trabalhadores do Conhecimento em Tecnologias da Informação (UML) ULHT – ECATI 6 trabalhadores qualificados. Assim, surge a necessidade das organizações em recrutar os chamados hoje em dia “Trabalhadores do Conhecimento”, que são os indivíduos habilitados para interpretar as informações dentro de um domínio específico. Eles detectam problemas e identificam alternativas, com os seus conhecimentos e discernimento, eles trabalham para solucionar esses problemas, ajudando consideravelmente as organizações que representam. E, usando metodologias e tecnologias da Engenharia do Conhecimento como a modelação, criarem e gerirem um histórico de conhecimento, incluindo conhecimento tácito, sobre várias áreas de negócios da organização, que podem estar explícitos em modelos abstractos, que possam ser compreendidos e interpretados facilmente, por outros trabalhadores com níveis de competência equivalentes. ABSTRACT: Knowledge has always existed, even in a latent state conditioning somewhere and just waiting for a half (an opportunity) to be able to manifest. Knowledge is doubly a phenomenon of consciousness: because proceeds itself at one point in its life and its history and because solely itself ends, perfecting it and enriching it. The knowledge is so in constant change. In the relatively short time that it began to speak of Knowledge Management and at that time was very associated with Information Technologies, as a means to collect, process and store more and more, larger amounts of information. Information Technologies has had, from a few years back, an extremely important role in organizations, were initially adopted in order to automate the operational processes of organizations, that support their daily activities and in recent times Information Technologies within organizations has evolved rapidly. All the knowledge, even to the least relevant to a particular business area, is fundamental to support the process of decision making. The organizations to achieve better performances and to transcend the goals that were initially propose, tend to provide itself with more and better Information Systems, as well as, the use of various methodologies and technologies available today. Consequently, in recent years, many organizations have demonstrated a crucial need for integrating all their information, which is dispersed by the diver constituents departments. For top managers (but also for other employees) may have ready in time, pertinent, truthful and reliable information of the organization they represent, need access to good Information Technology Systems. In an action that they can act more effectively and efficiently in decision making, for having managed to get through these means the maximum possible advantage of the information, and so, present better levels of organizational success. Also, the systems of Business Intelligence and Information Technologies its associated, use existing data on organizations to provide relevant information for decision making. But, in order to achieve these levels as satisfactory, organizations need human resources, because how can they be competitive without skilled workers. Thus, arises the need for organizations to recruit called today “Knowledge Workers”, they are the individuals enable to interpret the information within a specific domain. They detect problems and identify alternatives, with their knowledge and discernment they work to solve these problems, helping considerably the organizations that represent. And, using Luís Miguel Borges – Gestão e Trabalhadores do Conhecimento em Tecnologias da Informação (UML) ULHT – ECATI 8 methodologies and technologies of Knowledge Engineering as modeling, create and manage a history of knowledge, including tacit knowledge, on various business areas of the organization, that can be explicit in the abstract models, that can be understood and interpreted easily, by other workers with equivalent levels of competence.

Age and flexible thinking: an experimental demonstration of the beneficial effects of increased cognitively stimulating activity on fluid intelligence in healthy older adults

The disuse hypothesis of cognitive aging attributes decrements in fluid intelligence in older adults to reduced cognitively stimulating activity. This study experimentally tested the hypothesis that a period of increased mentally stimulating activities thus would enhance older adults' fluid intelligence performance. Participants (N = 44, mean age 67.82) were administered pre- and post-test measures, including the fluid intelligence measure, Cattell's Culture Fair (CCF) test. Experimental participants engaged in diverse, novel, mentally stimulating activities for 10-12 weeks and were compared to a control condition. Results supported the hypothesis; the experimental group showed greater pre- to post-CCF gain than did controls (effect size d = 0.56), with a similar gain on a spatial-perceptual task (WAIS-R Blocks). Even brief periods of increased cognitive stimulation can improve older adults' problem solving and flexible thinking.

Unsupervised segmentation using Gabor wavelets and statistical features in LIDAR data analysis

In this paper, we address issues in segmentation Of remotely sensed LIDAR (LIght Detection And Ranging) data. The LIDAR data, which were captured by airborne laser scanner, contain 2.5 dimensional (2.5D) terrain surface height information, e.g. houses, vegetation, flat field, river, basin, etc. Our aim in this paper is to segment ground (flat field)from non-ground (houses and high vegetation) in hilly urban areas. By projecting the 2.5D data onto a surface, we obtain a texture map as a grey-level image. Based on the image, Gabor wavelet filters are applied to generate Gabor wavelet features. These features are then grouped into various windows. Among these windows, a combination of their first and second order of statistics is used as a measure to determine the surface properties. The test results have shown that ground areas can successfully be segmented from LIDAR data. Most buildings and high vegetation can be detected. In addition, Gabor wavelet transform can partially remove hill or slope effects in the original data by tuning Gabor parameters.

Judgments, forecasts and decisions: an analysis of fund managers over time

Decision theory is the study of models of judgement involved in, and leading to, deliberate and (usually) rational choice. In real estate investment there are normative models for the allocation of assets. These asset allocation models suggest an optimum allocation between the respective asset classes based on the investors’ judgements of performance and risk. Real estate is selected, as other assets, on the basis of some criteria, e.g. commonly its marginal contribution to the production of a mean variance efficient multi asset portfolio, subject to the investor’s objectives and capital rationing constraints. However, decisions are made relative to current expectations and current business constraints. Whilst a decision maker may believe in the required optimum exposure levels as dictated by an asset allocation model, the final decision may/will be influenced by factors outside the parameters of the mathematical model. This paper discusses investors' perceptions and attitudes toward real estate and highlights the important difference between theoretical exposure levels and pragmatic business considerations. It develops a model to identify “soft” parameters in decision making which will influence the optimal allocation for that asset class. This “soft” information may relate to behavioural issues such as the tendency to mirror competitors; a desire to meet weight of money objectives; a desire to retain the status quo and many other non-financial considerations. The paper aims to establish the place of property in multi asset portfolios in the UK and examine the asset allocation process in practice, with a view to understanding the decision making process and to look at investors’ perceptions based on an historic analysis of market expectation; a comparison with historic data and an analysis of actual performance.

Towards data warehousing and mining of protein unfolding simulation data

OBJECTIVES: The prediction of protein structure and the precise understanding of protein folding and unfolding processes remains one of the greatest challenges in structural biology and bioinformatics. Computer simulations based on molecular dynamics (MD) are at the forefront of the effort to gain a deeper understanding of these complex processes. Currently, these MD simulations are usually on the order of tens of nanoseconds, generate a large amount of conformational data and are computationally expensive. More and more groups run such simulations and generate a myriad of data, which raises new challenges in managing and analyzing these data. Because the vast range of proteins researchers want to study and simulate, the computational effort needed to generate data, the large data volumes involved, and the different types of analyses scientists need to perform, it is desirable to provide a public repository allowing researchers to pool and share protein unfolding data. METHODS: To adequately organize, manage, and analyze the data generated by unfolding simulation studies, we designed a data warehouse system that is embedded in a grid environment to facilitate the seamless sharing of available computer resources and thus enable many groups to share complex molecular dynamics simulations on a more regular basis. RESULTS: To gain insight into the conformational fluctuations and stability of the monomeric forms of the amyloidogenic protein transthyretin (TTR), molecular dynamics unfolding simulations of the monomer of human TTR have been conducted. Trajectory data and meta-data of the wild-type (WT) protein and the highly amyloidogenic variant L55P-TTR represent the test case for the data warehouse. CONCLUSIONS: Web and grid services, especially pre-defined data mining services that can run on or 'near' the data repository of the data warehouse, are likely to play a pivotal role in the analysis of molecular dynamics unfolding data.

P-found: grid-enabling distributed repositories of protein folding and unfolding simulations for data mining

The P-found protein folding and unfolding simulation repository is designed to allow scientists to perform data mining and other analyses across large, distributed simulation data sets. There are two storage components in P-found: a primary repository of simulation data that is used to populate the second component, and a data warehouse that contains important molecular properties. These properties may be used for data mining studies. Here we demonstrate how grid technologies can support multiple, distributed P-found installations. In particular, we look at two aspects: firstly, how grid data management technologies can be used to access the distributed data warehouses; and secondly, how the grid can be used to transfer analysis programs to the primary repositories — this is an important and challenging aspect of P-found, due to the large data volumes involved and the desire of scientists to maintain control of their own data. The grid technologies we are developing with the P-found system will allow new large data sets of protein folding simulations to be accessed and analysed in novel ways, with significant potential for enabling scientific discovery.

Towards the design of a unified semantics model for OLTP and OLAP systems

The concepts of on-line transactional processing (OLTP) and on-line analytical processing (OLAP) are often confused with the technologies or models that are used to design transactional and analytics based information systems. This in some way has contributed to existence of gaps between the semantics in information captured during transactional processing and information stored for analytical use. In this paper, we propose the use of a unified semantics design model, as a solution to help bridge the semantic gaps between data captured by OLTP systems and the information provided by OLAP systems. The central focus of this design approach is on enabling business intelligence using not just data, but data with context.

Islamic mutual funds' financial performance and international investment style: evidence from 20 countries

We pursue the first large-scale investigation of a strongly growing mutual fund type: Islamic funds. Based on an unexplored, survivorship bias-adjusted data set, we analyse the financial performance and investment style of 265 Islamic equity funds from 20 countries. As Islamic funds often have diverse investment regions, we develop a (conditional) three-level Carhart model to simultaneously control for exposure to different national, regional and global equity markets and investment styles. Consistent with recent evidence for conventional funds, we find Islamic funds to display superior learning in more developed Islamic financial markets. While Islamic funds from these markets are competitive to international equity benchmarks, funds from especially Western nations with less Islamic assets tend to significantly underperform. Islamic funds’ investment style is somewhat tilted towards growth stocks. Funds from predominantly Muslim economies also show a clear small cap preference. These results are consistent over time and robust to time varying market exposures and capital market restrictions.