Creating and modelling personal socio-economic networks in on-line banking

The banking industry is observing how new competitors threaten its millennial business model by targeting unbanked people, offering new financial services to their customer base, and even enabling new channels for existing services and customers. The knowledge on users, their behaviour, and expectations become a key asset in this new context. Well aware of this situation, the Center for Open Middleware, a joint technology center created by Santander Bank and Universidad Politécnica de Madrid, has launched a set of initiatives to allow the experimental analysis and management of socio-economic information. PosdataP2P service is one of them, which seeks to model the economic ties between the holders of university smart cards, leveraging on the social networks the holders are subscribed to. In this paper we describe the design principles guiding the development of the system, its architecture and some implementation details.

Costes y opciones técnicas para la implantación de las próximas tecnologías de generación eléctrica sostenible

En este proyecto hemos realizado un análisis sobre la sostenibilidad de las tecnologías de generación más representativas desde un punto de vista sostenible. El objetivo de este proyecto es valorar cuantitativamente la sostenibilidad utilizando para ello los tres pilares de la sostenibilidad, para ello nos hemos apoyado en estudios sobre impactos medioambientales, seguridad en el suministro y costes de generación. Todo esto nos ha llevado a la conclusión de que aunque no existe una tecnología que satisfaga todas las necesidades, las nuevas tecnologías de generación, como las renovables, ganan en competitividad si añadimos un punto de vista sostenible. ABSTRACT In this paper, we have done an analysis about the sustainability of the power generation technologies most representative form a sustainable point of view. The objective of this paper is to evaluate quantitatively the sustainability using for this the three pillars of sustainability, for this we have relied on studies about environmental impacts, security supply and generation costs. All this led us to the conclusion that although there is no technology that satisfies all the necessities, the new generation technologies, such as the renewable, gains in competitiveness if we add a sustainable point of view.