964 resultados para internet banking


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Dissertação apresentada para cumprimento dos requisitos necessários à obtenção do grau de Mestre em Ciências da Comunicação

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The goal of the work presented in this paper is to provide mobile platforms within our campus with a GPS based data service capable of supporting precise outdoor navigation. This can be achieved by providing campus-wide access to real time Differential GPS (DGPS) data. As a result, we designed and implemented a three-tier distributed system that provides Internet data links between remote DGPS sources and the campus and a campus-wide DGPS data dissemination service. The Internet data link service is a two-tier client/server where the server-side is connected to the DGPS station and the client-side is located at the campus. The campus-wide DGPS data provider disseminates the DGPS data received at the campus via the campus Intranet and via a wireless data link. The wireless broadcast is intended for portable receivers equipped with a DGPS wireless interface and the Intranet link is provided for receivers with a DGPS serial interface. The application is expected to provide adequate support for accurate outdoor campus navigation tasks.

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Dissertação de Mestrado apresentada ao Instituto Superior de Contabilidade e Administração do Porto para a obtenção do grau de Mestre em Marketing Digital, sob orientação de Mestre Maria Antónia Rodrigues Ferreira

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The usage of information and communication technologies has been growing among students and teachers. In order to improve the use of the Internet as a tool to support teaching and learning it is necessary to understand the Internet usage habits of students. Thus, a study was conducted with 1397 students from five schools of the Polytechnic of Porto. The data was collected through an online questionnaire abd was analized by age range, gender and scientific field. In this paper,gender differences are analyzed and presented in 3 dimensions: type of Internet usage, communication tools and the role of the Internet tools in education.

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Hoje em dia existem múltiplas aplicações multimédia na Internet, sendo comum qualquer website apresentar mais de uma forma de visualização de informação além do texto como, por exemplo: imagens, áudio, vídeo e animação. Com aumento do consumo e utilização de Smartphone e Tablets, o volume de tráfego de internet móvel tem vindo a crescer rapidamente, bem como o acesso à internet através da televisão. As aplicações web-based ganham maior relevância devido à maior partilha ou consumo de conteúdos multimédia, com ou sem edição ou manipulação da mesma, através de redes sociais, como o Facebook. Neste documento é apresentado o estudo de alternativas HTML5 e a implementação duma aplicação web-based no âmbito do Mestrado de Engenharia Informática, ramo de Sistemas Gráficos e Multimédia, no Instituto Superior Engenharia do Porto (ISEP). A aplicação tem como objetivo a edição e manipulação de imagens, tanto em desktop como em dispositivos móveis, sendo este processo exclusivamente feito no lado do cliente, ou seja, no Browser do utilizador. O servidor é usado somente para o armazenamento da aplicação. Durante o desenvolvimento do projeto foi realizado um estudo de soluções de edição e manipulação de imagem existentes no mercado, com a respetiva análise de comparação e apresentadas tecnologias Web modernas como HTML5, CSS3 e JavaScript, que permitirão desenvolver o protótipo. Posteriormente, serão apresentadas, detalhadamente, as várias fases do desenvolvimento de um protótipo, desde a análise do sistema, à apresentação do protótipo e indicação das tecnologias utilizadas. Também serão apresentados os resultados dos inquéritos efetuados a um grupo de pessoas que testaram esse protótipo. Finalmente, descrever-se-á de forma mais exaustiva, a implementação e serão apontadas dificuldades encontradas ao longo do desenvolvimento, bem como indicadas futuras melhorias a introduzir.

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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

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Dissertação apresentada para cumprimento dos requisitos necessários à obtenção do grau de Mestre em Ciência da Informação e Documentação – Área de especialização em Arquivística

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Dissertação para obtenção do Grau de Mestre em Engenharia Electrotécnica e de Computadores

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No meio jornalístico, a Internet veio estabelecer uma nova plataforma de informação, que atingiu os meios de comunicação e proliferou a forma como o cidadão comum pode obter informação. Através da Internet, podemos exercer o nosso direito de liberdade de expressão e informação (artigo 37.º da Constituição da República Portuguesa) em toda a sua plenitude. No entanto, este advento trouxe com ele novos meios para praticar crimes. A pessoa que escreve, publica ou vê algo através da Internet pode cometer um crime contra a honra, punido pelo Código Penal. Destes crimes fazem parte a difamação, o crime mais importante na Comunicação Social, a injúria ou a calúnia: a Internet é uma ferramenta facilitadora de atentar contra a honra da pessoa humana, um direito inerente à nossa simples existência. Na Internet o crime é muitas vezes motivado pela ideia de que o dispositivo informático permite esconder o autor, o que não acontece nos meios de comunicação dito tradicionais. Não obstante, a Internet é um meio de conservação de identidades muito poderoso. A pegada informática nunca é definitivamente apagada e, ainda que tendo a necessidade de ultrapassar alguns constrangimentos jurídicos, existe sempre a possibilidade de identificar os autores dos crimes. Os crimes praticados no mundo online já são, em Portugal, legislados offline. Esta mesma legislação pode ser aplicada a estes “novos” crimes, não sendo necessário uma regulação urgente para que este tipo de crimes seja punido. O que tem que existir é uma permanente observação, na medida em que os crimes contra a honra praticados online atingem um número inqualificável de pessoas e propagam-se a um ritmo avassalador.

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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.

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As the financial crisis hit the Portuguese banks, the profitability of the whole sector squeezed to historical minimums. Reinventing the banking business model in the post-crisis context is an overriding issue to achieve sustainable profits and a low cost-to-income ratio. We propose banks to adopt a true multichannel approach, proceeding to a branch network reformatting and a relocation of services to online channels; adopt a true customer-centric approach and reduce the product and services portfolio complexity; finally, industrialize operations and rationalize the structure. With these measures in place, Portuguese banks will become leaner and more efficient, aspiring to a cost-to-income ratio below 45%.

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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.

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With the recent technological development, we have been witnessing a progressive loss of control over our personal information. Whether it is the speed in which it spreads over the internet or the permanent storage of information on cloud services, the means by which our personal information escapes our control are vast. Inevitably, this situation allowed serious violations of personal rights. The necessity to reform the European policy for protection of personal information is emerging, in order to adapt to the technological era we live in. Granting individuals the ability to delete their personal information, mainly the information which is available on the Internet, is the best solution for those whose rights have been violated. However, once supposedly deleted from the website the information is still shown in search engines. In this context, “the right to be forgotten in the internet” is invoked. Its implementation will result in the possibility for any person to delete and stop its personal information from being spread through the internet in any way, especially through search engines directories. This way we will have a more comprehensive control over our personal information in two ways: firstly, by allowing individuals to completely delete their information from any website and cloud service and secondly by limiting access of search engines to the information. This way, it could be said that a new and catchier term has been found for an “old” right.

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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.

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The present dissertation has as object of study the right to be forgotten, a new right for increase the control of subject over their data. It’s analyzed the data protection on Internet, especially, some scenarios of processing and the regulation applicable to it (directive 95/46/CE and directive 2002/58/CE).