This report is on online banking and information systems in online banking. It throws some light on the introduction and historical background of online banking. Next, in this term report online banking information is explained in detailed. We collected a few articles, related to internet banking, on which other researchers have worked. Then further we have brief them into a table where we have mentioned their problems and limitations. Next, we discussed them in detail, giving an overview of each article. Lastly, recommendations for the online banking sectors are also mentioned.

The purpose of this study is to establish whether digital literacy and insurtech adoption influence insurance inclusion in Uganda. Principally, we sought to determine whether insurtech adoption mediates the nexus between digital literacy and insurance inclusion. This study adopted a cross-sectional and quantitative correlational approach. The study’s sample was 391 individuals who had used digital platforms such as mobile phones and computers to access insurance products and services in Uganda. Data were collected using structured survey questionnaires. Partial Least Squares Structural Equation Modelling (PLSEM) was employed to test the hypothesised relationships. The results demonstrate that both digital literacy and insurtech adoption significantly and positively influence insurance inclusion. We also found digital literacy to be a significant and positive determinant of insurtech adoption. Markedly, it was found that insurtech adoption mediates the association between digital literacy and insurance inclusion in Uganda. However, this study was conducted in a developing country with an underdeveloped insurance market and with low technological advancement. This may affect generalisation of the study findings. This study’s novelty lies in establishing how digital literacy and insurtech adoption interplay to influence insurance inclusion in Uganda. This is the first study to examine the effect of digital literacy and insurtech adoption on insurance inclusion.

In large-capacity energy storage systems, instructions are decomposed typically using an equalized power distribution strategy, where clusters/modules operate at the same power and durations. When dispatching shifts from stable single conditions to intricate coupled conditions, this distribution strategy inevitably results in increased inconsistency and hastened system aging. This paper presents a novel differentiated power distribution strategy comprising three control variables: the rotation status, the operating boundaries for both Depth of Discharge (DOD) and C-rates (C) within a control period. The proposed strategy integrates an aging cost prediction model developed to express the mapping relationship between these control variables and aging costs. Additionally, it incorporates the multi-colony particle swarm optimization (Mc-PSO) algorithm into the optimization model to minimize aging costs. The aging cost prediction model consists of three functions: predicting health features (HFs) based on the cumulative charge/discharge throughput quantity and operating boundaries, characterizing HFs as comprehensive scores, and calculating aging costs using both comprehensive scores and residual equipment value. Further, we elaborated on the engineering application process for the proposed control strategy. In the simulation scenarios, this strategy prolonged the service life by 14.62%, reduced the overall aging cost by 6.61%, and improved module consistency by 21.98%, compared with the traditional equalized distribution strategy. In summary, the proposed strategy proves effective in elongating service life, reducing overall aging costs, and increasing the benefit of energy storage systems in particular application scenarios.

Depth-sensing technology has led to broad applications of inexpensive depth cameras that can capture human motion and scenes in 3D space. Background subtraction algorithms can be improved by fusing color and depth cues, thereby allowing many issues encountered in classical color segmentation to be solved. In this paper, we propose a new fusion method that combines depth and color information for foreground segmentation based on an advanced color-based algorithm. First, a background model and a depth model are developed. Then, based on these models, we propose a new updating strategy that can eliminate ghosting and black shadows almost completely. Extensive experiments have been performed to compare the proposed algorithm with other, conventional RGB-D algorithms. The experimental results suggest that our method extracts foregrounds with higher effectiveness and efficiency.

Due to the broadening of services from industrial enterprises to customers, the industrial network has gained more significance than what is really thought. As a part of this revolution, this paper tried to introduce the best suitable routing option for the healthcare, banking and internet services industries to optimize the routing department of their enterprises. RIP is not associated with this study, being out of favor in the industries due to hop count limitation. The idea behind doing such a thing is to avoid improper implantation of routing inside the enterprises which causes lack of optimization in routing department. The method which is selected for this paper is qualitative case study of banking, healthcare and internet services industries with unstructured interviews of IT experts of the respected industries in an open-ended questions fashion. The results were illustrated based on the stories and the discussion of the stories is the main contributor to the result of the study. The evaluation results of the stories have illustrated, that EIGRP is a suitable routing option for health care and banking, while OSPF can be suitable for the internet services industry. The implication of the study can be optimized network of industries such as healthcare, banking and internet services and it introduces the best suitable routing option for the demanded industries with the case study method and narrative analysis of the stories, which start from load balancing type and ends to demanded routing protocol, while reaching to demanded routing protocol, it introduces the best suitable routing option of that industry

This study addresses the implementation of the International Financial Reporting Standard 9 (IFRS 9) in the European Union as of January 1, 2018, replacing the International Accounting Standard 39 (IAS 39) to introduce a new model for recognizing Loan Loss Provisions (LLP) based on Expected Credit Loss (ECL). This model responds to criticisms of the former Incurred Credit Loss (ICL) system for its inability to reflect credit losses in a timely manner, potentially exacerbating the effects of financial crises (Bushman & Williams, 2015; Gebhardt & Novotny-Farkas, 2011). The study focuses on the effects of adopting the ECL model on the level of Loan Loss Allowances (LLA) in loans, own equity, and the Common Equity Tier 1 (CET1) ratio across 13 Portuguese commercial banks. A mean comparison test is used to evaluate scenarios before and after the application of the ECL model, highlighting the importance of regulator actions and the adequacy of loss recognition policies, including the effects of Regulation (EU) 2017/2395 of December 12. The results obtained demonstrate significant negative impacts on the net values of loans, own equity, and the CET1 ratio upon adopting the IFRS 9 ECL model, due to the widespread increase in LLAs.

The segmentation of abnormal regions is vital in smart manufacturing. However, the existing segmentation system for detecting sauce-packet leakage on intelligent sensors encounters an issue of imaging blurring caused by uneven illumination. This issue adversely affects segmentation performance, thereby impeding the rapid production of industrial assembly lines. To alleviate this issue, we propose the two-stage Illumination-aware Sauce-packet Leakage Segmentation (ISLS) method for intelligent sensors. The ISLS comprises two main stages: Illumination-aware region enhancement and leakage region segmentation. In the first stage, YOLO-Fastestv2 is employed to capture the Region of Interest (ROI), which reduces redundancy computations. Additionally, we propose an image enhancement to relieve the impact of uneven illumination, enhancing the texture details of ROI. In the second stage, we propose a novel feature extraction network. Specifically, we propose the Multi-scale Feature Fusion Module (MFFM) and the Sequential Self-Attention Mechanism (SSAM) to capture discriminative representations of leakage. The multi-level features are fused by MFFM with a small number of parameters, which capture leakage semantics at different scales. The SSAM realizes the enhancement of valid features and the suppression of invalid features by adaptive weighting of spatial and channel dimensions. Furthermore, we generated a self-built dataset of sauce-packets, including 606 images with various leakage areas. Comprehensive experiments demonstrate that our ISLS method shows better results than several state-of-the-art methods, with additional performance analyses deployed on intelligent sensors to affirm the effectiveness of our proposed method. Our code is available at https://github.com/LSJ5106/SauceDetect.

Capital structure decision plays an imperative role in firm’s performance. Recognizing the importance, there has been many studies inspected the rapport of capital structure with performance of firms and findings of those studies are inconclusive. In addition, there is relative deficiency of empirical studies examining the link of capital structure with performance of banks in Bangladesh. This paper attempted to fill this gap. Using panel data of 22 banks for the period of 2005-2014, this study empirically examined the impacts of capital structure on the performance of Bangladeshi banks assessed by return on equity, return on assets and earnings per share. Results from pooled ordinary least square analysis show that there are inverse impacts of capital structure on bank’s performance. Empirical findings of this study is of greater significance for the developing countries like Bangladesh because it will call upon concentration of the bank management and policy makers to pursue such policies to reduce reliance on debt and to accomplish optimal level capital structure. This research also contributes to empirical literatures by reconfirming (or otherwise) findings of previous studies.

The changing of banking customer preferences after Covid-19 pandemic encourages banking transformation. Neobanks emerges as innovation in banking that enter the market to compete with the incumbent banks by offering new digital experience for customer. This paper analyzes the neobanks which transformed from traditional bank, specifically its efficiency after they implement digital transformation. Efficiency is measured by using Stochastic Frontier Analysis (SFA). This study also uses Pooled Mean Group (PMG) of Panel ARDL (Autoregressive Distributed Lagged) to investigate digital transformation as one of determinants neobank’s efficiency, as well as to examine the existence of short-term and long-term relationship between digital transformation and efficiency. The SFA results show that the efficiency of the neobanks increase after they carry out digital transformation. Furthermore, from PMG Panel ARDL, it can be concluded that digital transformation is one of determinant of efficiency and there is longevity relationship between digital transformation and efficiency. In the short run, digital transformation has a significant and negative correlation with efficiency and in the long run, it has a significant positive relationship because initially digital transformation cost for operational and risk management innovation decreases the profit efficiency, but afterwards it increases the profit efficiency.

Improper sitting positions are known as the primary reason for back pain and the emergence of musculoskeletal disorders (MSD) among individuals who spend prolonged time working with computer screens, keyboards, and mice. At the same time, it is well understood that automated technological tools can play an important role in the process of unhealthy habit alteration, so plenty of research efforts are focused on research and technology development (RTD) activities that aim to provide support to the prevention of back pain or the development of MSD. Here, we report on creating a new resource in support of RTD activities aiming at the automated detection of improper sitting positions. It consists of multimodal multisensory recordings of 100 persons made with a video recorder, camera, and wrist-attached sensors that capture physiological signals (PPG, EDA, Skin temperature), as well as motion sensors (three-axis accelerometer). Our multimodal multisensory dataset (MMD-MSD) opens new opportunities for modeling the body stance (sitting posture and movements), physiological state (stress level, attention, emotional arousal, valence), and performance (success rate on the Stroop test) of people working with a computer. Finally, we demonstrate two use cases: improper neck posture detection from pictures and cognitive load detection from physiological signals.

The study investigates the determinants of mobile Internet banking adoption among Gen-Y in Malaysia. Align the issue of the study and research objectives, and the study underpinned Technology Acceptance Model (TAM) as the main guideline or a blueprint to analyze the research model. The study applied survey research design and analyzed using Structural Equation Modelling (SEM) under the PLS-SEM technique with SmartPLS 2.0. A total of 358 mobile internet banking users in Malaysia were random proportional selected as respondents and analyzed. Results from the partial least square structural equation modeling (PLS-SEM) revealed that perceived ease of use, perceived usefulness, facilitating condition, and personal innovativeness in IT have significantly influenced the attitude of mobile internet banking adoption in Malaysia. Additionally, perceived ease of use and facilitating conditions found to have a significant influence on the perceived usefulness of Mobile Internet Banking. Lastly, facilitating conditions and personal innovativeness in IT are significantly influence the perceived ease of use of mobile internet banking among Gen-Y in Malaysia

Classifying network flow subsequences in an Industrial IoT gateway is an effective method for identifying Industrial IoT faults. This paper proposes a subsequence classification algorithm SSGBUL-IKNN based on unsupervised learning encoding to address the problem of low classification accuracy. Firstly, we built a network module based on unsupervised learning to encode the flow sequence of the Industrial IoT gateway. In the encoding module, a subsequence calibration algorithm controls the increasing error during the coding process. Then, the specific fault type is obtained through an improved KNN classification algorithm based on the indication distance source from the integrated coding sequences converted by multi-dimensional network flow sequences. The test result on three Industrial IoT datasets of a sewage treatment plant shows that the accuracy of SSGBUL-IKNN in this paper exceeds 92%, significantly higher than the algorithm DTW and TSF. It reaches the classification requirements of Industrial IoT fault diagnosis.

This research aimed to investigate the relationship between climate policy uncertainty (CPU), clean energy (ENERGY), carbon emission allowance prices (CARBON), and Bitcoin returns (BTC) for the period from August 2012 to August 2022. The empirical analysis strategies utilized in this study included the Fourier Bootstrap ARDL long-term coefficient estimator, Fourier Granger Causality, and Fourier Toda Yamamoto Causality methods. Following the confirmation of cointegration among the variables, we observed a positive relationship between BTC and CARBON, a positive relationship between BTC and CPU, and a negative relationship between BTC and ENERGY. In terms of causal associations, we identified one-way causality running from CARBON to BTC, BTC to CPU, and BTC to the ENERGY variable. The study underscores the potential benefits and revenue opportunities for investors seeking diversified investment strategies in light of climate change concerns. Furthermore, it suggests actionable strategies for policymakers, such as implementing carbon taxes and educational campaigns, to foster a transition towards clean energy sources within the cryptocurrency mining sector and thereby mitigate environmental impacts.

This study investigates how customers’ technological readiness affects service quality and the adoption of self-service banking by developing an empirical model. The model was proposed to explore the relationships between technology readiness, self-service quality, and customer satisfaction. The hypotheses and stability of the model were tested using structural equation modeling. The findings revealed that technology readiness, including the optimism, innovation, and insecurity dimensions, had a significant positive impact on self-service quality. In addition, service quality fully mediated the relationship between technological readiness and customer satisfaction. These results suggest that when customers are ready to embrace and use new technology, their evaluation of service quality is high. Thus, bank managers should drive customer perceptions of the quality of self-service banking by improving their technological readiness through various measures. Furthermore, based on the mediating effect of self-service quality, banks must be aware that improving service quality can enhance customer satisfaction and maintain a competitive advantage.

Short-range Internet of Things (IoT) sensor nodes operating at 2.4 GHz need to provide ubiquitous wireless sensor networks (WSNs) with energy-efficient, wide-range output power (POUT) and fully integrated on a single chip for wireless body area networks (WBANs) and wireless personal area networks (WPANs) using low-power Bluetooth (BLE) and Zigbee standards. The proposed fully integrated transmitter (TX) utilizes a digitally controllable current-mode class-D (CMCD) power amplifier (PA) with a second harmonic distortion (HD2) suppression to reduce VCO pulling in an integrated system while meeting harmonic limit regulations. The CMCD PA is divided into 7-bit slices that can be reconfigured between differential and single-ended topologies. Duty cycle distortion compensation is performed for HD2 suppression, and an HD2 rejection filter and a modified C-L-C low-pass filter (LPF) reduce HD2 further. Implemented in a 28 nm CMOS process, the TX achieves a wide POUT range of from 12.1 to -31 dBm and provides a maximum efficiency of 39.8% while consuming 41.1 mW at 12.1 dBm POUT. The calibrated HD2 level is -82.2 dBc at 9.93 dBm POUT, resulting in a transmitter figure of merit (TX_FoM) of -97.52 dB. Higher order harmonic levels remain below -41.2 dBm even at 12.1 dBm POUT, meeting regulatory requirements.

Islamic banks (IBs) have been criticized as not being genuinely Islamic, and the methods in measuring their performances have been debatable. While the literature on IBs performance has been emerging, such studies precisely assess its recent development remains absent. Therefore, we aim to evaluate the development of scholarly articles that measure IBs’ performances. We employ bibliometric analysis and sample related articles from the Scopus database. We find that the development of IBs performance literature may be understood by 111 peer-reviewed journal articles, 4 conference papers, 1 book, and 1 book series. We analyze these materials based on publication sources, country and institution affiliation, keywords association, and cluster dendrogram. Our model that quantifies the keywords association and cluster dendrogram provides a novelty in assessing IBs performance literature development. Future studies may replicate our model to cluster and identify the keyword associations from the unstructured data sources.

In the repercussions of the latest financial crisis that have occurred on the years 2008-2009, to fortify the stability of the banking systems, policy makers, and the Basel Committee on Banking Supervision – BCBS, together with national regulators have built up a few safety measures, and structures to guarantee that banks establishments keep up adequate capital levels through using risk management tools, in specific the Internal Capital Adequacy Assessment Processes (ICAAP). They all have called for thorough evaluations and assessments for the structure and components of risk management frameworks, tools, and practices whether by banks, regulators, analysts and risk management experts consistently, to ascertain the adequacy of the banking systems, policies, arrangements and techniques for overseeing risks, and guaranteeing the sufficiency of holding appropriate capital levels for confronting normal, as well as adverse and unexpected situations or emergencies. The main objectives of this research study is to shed the light on the ICAAP as one of the main keys of risk management programs, a process by which banks can use to ensure that they operate with an appropriate levels of capital, forward looking processes for capital planning covering a broad range of risks across banks, activities beyond simple capital management, and brings together risk and capital management activities in a form that can be used to support business decisions. The research study shall evaluate the significant relationship between the Banking System Stability (dependent variable) and the Internal Capital Adequacy Assessment Process (ICAAP – independent variable) with evidence from the Egyptian Banking Sector.

Considering the spectrum shortage problem of IoT devices, we introduce a collaborative spectrum sensing (CSS) framework in this paper to identify available spectrum resources, so that IoT devices can access it and meanwhile avoid causing harmful interference to the normal communication of the primary user (PU). However, in the process of the PU’s signal detection in IoT devices, the issue about the stopping time and decision cost arises. To this end, we propose a distributed cognitive IoT model, which includes two IoT devices independently using sequential decision rules to detect the PU. On this basis, we define the stopping time and cost function for IoT devices, and formulate an average cost optimization problem in CSS. To solve this problem, we further regard the optimal stopping time problem as a finite horizon problem, and solve the threshold of the optimal decision rule by dynamic programming. At last, numerical simulation results demonstrate the correctness of our proposal in terms of the global false alarm and miss detection probability, and it always achieves minimal average cost under various cost of each observation taken and thresholds.

Recent years have seen dramatic growth in the number of scholarly scientific works dedicated to the topic of Artificial Intelligence (AI), banking, and finance. With the development of scientometric tools, it is now possible to map, visualize, analyze, and assess scientific activities in many fields of engineering and social sciences including Islamic banking and finance. Based on data retrieved from the Scopus database and using a qualitative method, this study investigates, evaluates, and identifies significant development, trends, and players in the application of AI in Islamic banking and finance using the Visualization Of Similarities Method (VOS) between objects in VOSviewer. From 2006 to 2022, 387 documents were retrieved from the Scopus database; Results revealed that the top five most active countries in terms of publications are Malaysia (117 documents), Indonesia (89 documents), the United Kingdom (36 documents), the USA (24 documents), and Saudi Arabia and Bahrain (24 documents each). The International Islamic University Malaysia and Universitas Indonesia came out on top of active institutions while the top funding source came from the Ministry of Higher Education, Malaysia. The comprehensive findings and analysis reported in this study serve as a roadmap for future academics to create theory and practice for applying AI in Islamic banking and finance.

The purpose of this study is to bring out a scientometric analysis of the advances of digital transformation in the global banking sector. For this, a background search of the term "Digital Transformation Banking " has been brought out from the Web of Science (Wos) Database, covering records published between 2002 and 2023. A set of 312 publications was identified, which mainly includes a set of 264 academic articles, 29 articles published without cataloging a specific volume of a journal, 9 articles under review, 5 editorial material documents, 4 conference articles, and 1 document is a book chapter. Nowadays the scientific production is low but showing growing development presenting 123 publications and 7,754 citations for the year 2022. Among the scientific production, 43 publications from the Republic of China (8.8%) and 35 publications from Ukraine (7.8%) stand out. ,2%). It is also worth mentioning that the most relevant authors on this topic are Ricardo Palomo, professor and dean of San Pablo University, and Robert J Kauffman, professor at Singapore Management University in terms of influence. Main institutions in terms of scientific production, mainly: the Massachusetts Institute of Technology (MIT) of the United States and the Russian Academy of Sciences of Russia.

The study is carried out on the factors influencing customers’ brand loyalty. The study is aimed at evaluating customers’ brand loyalty status and identifying its determinants. To this end, an explanatory research design is used with the support of descriptive and multiple regression analytical techniques. From the customers of the bank 290 of them are selected using a purposive sampling technique. Questionnaires are administered to collect the primary data. The finding of the study indicates that the loyalty status of the customers is fragmented into hard-core loyalty, split loyalty, shift loyalty, and switching loyalty status with the inclination on the first and second categories of loyalty status. It also reflects that distribution, promotion, reputation, satisfaction and tangible benefits are the predictors of customers’ brand loyalty. A message of sticking on these determinants of loyalty is transmitted to the bank manager with the emphasis on the most predictors, i.e., distribution and promotion.

Modern anesthesia continues to be impacted in new and unforeseen ways by digital technology. Combining portability and versatility, mobile applications or “apps” provide a multitude of ways to enhance anesthetic and peri-operative care. Research suggests that uptake of apps into anesthetic practice is becoming increasingly routine, especially amongst younger anesthetists brought up in the digital age. Despite this enthusiasm, there remains no consensus in how apps are safely and efficiently integrated into anesthetic practice. This review summarizes the most popular forms of app usage in anesthesia currently and explores the challenges and opportunities inherent in implementing app use in anesthesia, with an emphasis on a practical approach for the modern anesthetist.

In recent years, the digital economy has played an increasingly important role in enhancing productivity, fostering growth, and facilitating the emergence of digital banking. With the widespread adoption of digital financial services for financial inclusion, the banking sector is experiencing a demand for digital transformation. It is important to note that despite the many advantages of this change, it also disrupts the familiar banking experience that customers have grown to expect, as well as introducing potential risks to maintaining customer protection at previous levels. Many critics have raised concerns regarding customer protection and potential exposure to various risks that may arise from digital financial services, which may result in both financial and non-financial losses. These risks can impact customer retention as dissatisfied customers may switch to alternative service providers. Additionally, reputation can be affected since merely offering digital financial services may not sufficiently safeguard customers. To remain competitive, financial institutions must deliver a secure experience that aligns with customer expectations while considering economic factors and societal needs. This is why it is essential to comprehend the severity of the risk factors that influence the protection of customers in the realm of digitalized banking services and products. In this study, five factors have been identified that influence customer protection when using digital financial services in Pakistan. Based on the analysis conducted using SmartPLS, it appears that all the factors proposed in this study have a significant and positive impact on the protection of customers. In particular, the information provided remains of paramount importance when it comes to determining the level of protection that a customer is entitled to within digital financial services, followed by responsiveness, privacy, authentication, and encryption mechanisms. Due to these findings, the implementation of enhanced information security management principles becomes imperative for the development and progress of the Pakistani digital banking industry.

With the increasingly online exposure of urban public spaces, the new concept of "Internet-celebrity cities" has emerged in China. The online internet-famous sites are the main characteristics of "Internet-celebrity cities". To fully understand online users' preferences in such kind of public spaces, this article took 27 typical riverfront internet-famous sites (RIFS) in Changsha city (China), as an example. Through the online images and review comments on social media platform "Xiaohongshu", the study analyzed users’ perception of RIFS specially on visual and emotional preferences. It revealed the following findings:(1) The popularity of RIFS had a significant head effect and there were far more positive emotions than neutral and negative emotions in review comments. (2) According to 5 different categories of RIFS: modern buildings with river views, restaurants with strong visual impact became the main attractions on commercial RIFS. The art exhibition RIFS attracted visitors to experience traditional culture and highlight their aesthetic pursuits. In the historical and cultural RIFS, people preferred to see the historical buildings with surrounding natural environment, as well as river and mountains views. Ecological Recreational RIFS showed the similar results with the uncultivated RIFS, for the main focus was on the ecological environment, a broader vision and the specific atmosphere. Moreover, the uncultivated RIFS showed more diversified attraction points. This study can provide a new perspective on the waterfront vitality and can offer a targeted and attractive manner for waterfront regeneration that are different from traditional methods.

In the age of next-generation computer, the role of the cloud, the internet and smart devices will become stronger. These days we all know the word smart well. This word is often used in our daily lives. The Internet of Things (IoT) will generate a variety of information from a variety of resources. It can store big data in the cloud. Fog computing acts as a signal between cloud and IoT. Fog extensions in this framework apply to material under IoT. IoT devices are called Fog nodes, which can be accessed anywhere within the network range. A blockchain is a novel way of recording in a secure sequence. Creating a new framework in the development of Internet of Things is one of the critical problems of wireless communication where solving such a problem can lead to continued growth in the use and popularity of IoT. Proposed research creates a framework for providing a framework for middleware on the internet of smart devices network for the internet of things using blockchains technology. Our great offering connects new research that integrates blockchains into the Internet of Things and provides secure Internet connection for smart devices. Blockchain (BC) Internet of Things (IoT) is a new technology that works with low-level, distributed, public and real-time leaders to maintain transactions between IoT sites. A blockchain is a series of blocks, each block being linked to its previous blocks. All blocks have cryptographic hash code, previous block hash, and its data. Transactions in BC are the basic components used to transfer data between IoT nodes. IoT nodes are a variety of portable but smart devices with embedded sensors, actuators, systems and the ability to communicate with other IoT nodes. The role of BC in IoT is to provide a process for processing secure data records using IoT nodes. BC is a protected technology that can be used publicly and openly. IoT requires this type of technology to allow secure communication between IoT nodes in different environments. Events in BC can be tracked and monitored by anyone who is certified to communicate within IoT.

This paper examines the quantitative and qualitative situation of the current fixed and mobile Internet and its expected future. First, the number of users and penetration rate of the Internet, various types of services in different countries, the ranking of countries in terms of the mean and median download and upload Internet data speeds, Internet data volume, and number and location of data centers in the world are presented. The second task introduces and details twelve performance evaluation metrics for broadband Internet access. Third, different wired and wireless Internet technologies are introduced and compared based on data rate, coverage, type of infrastructure, and their advantages and disadvantages. Based on the technical and functional criteria, in the fourth work, two popular wired and wireless Internet platforms, one based on optical fiber and the other based on the 5G cellular network, are compared in the world in general and Australia in particular. Moreover, this paper has a look at Starlink as the latest satellite Internet candidate, especially for rural and remote areas. The fifth task outlines the latest technologies and emerging broadband Internet-based services and applications in the spotlight. Sixthly, it focuses on three problems in the future Internet in the world, namely the digital divide due to the different quality of the Internet and new Internet-based services and applications of emerging technologies, the impact of the Internet on social interactions, and hacking and insecurity on the Internet. Finally, some solutions to these problems are proposed.

Banking sectors commit modern working frameworks and models smooth development based on decentralization with keeping money confront in unused ranges and differing activities. Consortium Blockchain Privacy becomes a major concern and the challenge of Most of banking sectors.Development without being hampered being a major concern it can store confirmed, Data privacy includes assuring protection for both insider ad outsider threats therefore access control of Ring signature could help to secure Privacy of inside and outside threats by secure process by RSBAC using CIA triad privacy Confidentiality, Availability, Integrity.This paper proposes a ring signature-based on access control mechanism for determining who a user is and then regulating that person's access to and use of a system's resources. In a nutshell, access control restricts who has access to a system. It also restricts access to system resources to users who have been identified as having the necessary privileges and permissions. The proposed paradigm satisfies the needs of both workflow and non-workflow systems in an enterprise setting. The traits of the conditional purposes, roles, responsibilities, and policies provide the foundation for it. It ensures that internal risks such as database administrators are protected.Finally, it provides the necessary protection in the event that the data is published.

The financial inclusion, including all the people with the finance, is very concerned issue all over the world where Bangladesh is also trying to include all the people with the finance. Bangladesh lies in such a group of countries where only 17.6% - 38.6% adults are presently under the reach of the formal financial services. This is because the present banks and other formal financial modes consider the outcome and profitability in a way that, the rural and non-developed areas are always out of the consideration. But these areas consist of the most population of Bangladesh. And only then financial inclusiveness will be successful in Bangladesh when people from these regions will be under formal financial consideration. The paper seeks for a solution to the issue and presents the Unit Banking System as a probable way towards financial inclusion. For implementing the system in Bangladesh, the system needs a slight modification to cope in Bangladeshi economic condition and address the specific needs without hampering the surroundings. Considering all these, the paper shows the status, problems and key points of financial scenario of inclusion in Bangladesh and shows policy for a Modified Unit banking System.

This study utilizes the Random Forest technique to investigate risk management practices and concerns in Islamic banks using survey data from 2016 to 2021. Findings reveal that larger banks provide more consistent survey responses, driven by their confidence and larger survey budgets. Moreover, a positive link is established between a country's development, characterized by high GDPs and low inflation and interest rates, and the precision of Islamic banks' survey responses. Analyzing risk-related concerns, the study notes a significant reduction in credit portfolio risk, attributed to improved risk management practices, global economic growth, stricter regulations, and diversified asset portfolios. Concerns related to terrorism financing and cybersecurity risks have also decreased due to better enforcement of anti-money laundering regulations and investments in cybersecurity infrastructure and education. This research enhances our understanding of risk management in Islamic banks, highlighting the impact of bank size and country development. Additionally, it emphasizes the need for ongoing analysis beyond 2021 to account for potential COVID-19 effects and evolving risk management and regulatory practices in Islamic banking.

The proliferation of the Internet of Things (IoT) has revolutionized traditional services, giving rise to emerging smart infrastructures by connecting the physical and digital worlds. Sensory data is essential in IoT-based systems for providing context-aware and location-based services. Hence, the accurate localization of IoT devices is paramount. Anchor misplacement can significantly affect location information and coverage services in IoT. We study the effect of anchor misplacement in typical IoT settings where sensors are randomly deployed, can be mobile and may belong to multiple providers. We identify sensing coverage holes formed by anchor misplacement and analyze their presence and impact. To mitigate the impact of anchor misplacement on network reliability, we propose a framework to identify the affected sensor nodes and then identify and remove misplaced anchor nodes. The validity of our approach is verified, and its effectiveness is demonstrated by several experiments with different network topologies and parameters. Our results are promising and can be utilized in multiple coverage applications, such as smart agriculture systems and habitat monitoring, regardless of the sensors or deployment types. It also sheds light on best practices and methods for a reliable design of IoT-based systems.

Over the past four decades, China has experienced a nutritional transition and has developed the largest population of internet users. In this study, we evaluated the impacts of internet access on the nutritional intake in Chinese rural residents. An IV-Probit-based propensity score matching method was used to determine the impact of internet access on nutritional intake. The data were collected from 10042 rural households in six Chinese provinces. The results reveal that rural residents with internet access have significantly higher energy, protein, and fat intake than those without. Chinese rural residents with internet access consumed 1.35% (28.62 kcal), 5.02% (2.61 g), and 4.33% (3.30 g) more energy, protein, and fat, respectively. There was heterogeneity as regards the intake of energy, protein, and fat among those in different income groups. Moreover, non-staple food consumption is the main channel through which internet access affects nutritional intake. The results demonstrate that the local population should use the internet to improve their nutritional status. Further studies are required to investigate the impact of internet use on food consumed away from home and micronutrients intake.

This paper investigates the effect of the Internet on tax revenue instability, notably through the international trade channel. It has used a sample of 142 countries over the period 1995-2017, and relied primarily on the two-step system Generalized Methods of Moments (GMM) estimators (but also incidentally on the Error Component Two-Stage Least Squares estimator). Tax revenue instability is primarily measured by the instability of non-resource tax revenue, but also by the instability of total tax revenue (for robustness check). The findings indicate that the Internet exerts a negative effect on tax revenue instability. Interestingly, this effect genuinely translates through the international trade channel, regardless of the measure of tax revenue instability considered. Countries enjoy a higher negative effect of the Internet on tax revenue instability as they enjoy a greater participation in international trade. These findings, therefore, add to the potential benefits of the Internet adoption (e.g., strengthening countries' participation in international trade, enhance their tax revenue performance and promote tax reform, including in developing countries) by showing that it could also help to stabilize tax revenue, particularly through the degree of countries' participation in international trade.

Sustainability experienced significant global momentum in recent decades. The emergence of the sustainability movement in the Financial Sector was prompted by the increasing global climate change resulting from environmental deterioration. Primarily associated with the Financial Sector, it has increasingly been recognised that Financial Institutions are significant contributors to global climate change, both via direct and indirect means. This has resulted in a heightened emphasis and demand from stakeholders for the implementation of Sustainability Principles on a worldwide scale. This study presents a methodology that utilises the various dimensions of Sustainable Finance through the concept of Triple Bottom Line to determine the factors influencing the Sustainability Performance of Financial Institutions. The suggested approach is grounded and supported by the current body of literature. The study presents a hypothesis to investigate the correlation between factors of Green Finance Practices and Sustainability Performance of Banking Sector. The suggested framework can be utilised by regulatory bodies and individual financial institution of a country to identify the elements that influence the Sustainability Performance of Banking Sector.

Nowadays, many Muslim-majority countries have implemented a dual banking system, namely the sharia and conventional systems. The development of Islamic banks is to fulfill the Muslims' need for the existence of halal transactions in financial institutions. However, in some countries, it turns out that conventional banks still dominate the country's economy. Because of that, it is necessary to see whether there are differences in financial risk and Earnings management between Islamic and conventional banks. The samples are conventional and Islamic banks in Southeast Asia, analyzed by the purposive sampling method from 2010-2019. The analytical tool used is the statistical difference test and economometrics analysis using generalized least square (GLS) regression with panel data (time series and cross-sectional data). These models are intended to forecasting the macroeconomics effects in applying dual banking system in one country or region. The results using non parametrics means difference test showed that the first hypothesis is accepted It means that Earnings management in conventional banks is greater than in Islamic banks. The Random Model Effect (REM) for second and third hypotheses testing on Conventional banks shows the Bankruptcy Risk and NPL do not affect the dependent variable Earnings Management (LLP). While fixed effect model testing on Islamic banks, the second and third hypothesis testing is rejected. Therefor Islamic Banks the value of Bankruptcy Risk (z-score) and the value of Non-Performing Loans (NPL) do not affect Earnings management. It also means that hypothesis 2 and 3 are rejected both in conventional as well as Islamic Banking. Sensitivity analysis for conventional as well as Islamic banking altogether using fixed effect model shows that the second and third hypotheses show that the independent variables (Bankruptcy Risk and NPL) do not affect the dependent variable Earnings Management (LLP). These results can be concluded that Islamic bank are enganged in less earnings management. Therefor in the the long run there are still more research that should conduct in comparing dual banking system in one region.

Supermedia streams transfer video, audio, haptic and other sensory data. Real -time transfering of supermedia streams over the Internet is quite challenging. This paper outlines the proposed protocols for transferring supermedia streams over the Internet. Moreover, it describes the Quality of Service (QoS) requirements for supermedia applications that a network has to fulfill. Extensive simulations and experiments for the performance evaluation of transport protocols for real time transferring HEVC streams with supermedia data are carried out. Complements, differences and relevancies between simulation and real world experiments are discussed. The metrics that are measured for the performance evaluation are delay, jitter, throughput, efficiency, packet loss and one proposed by the authors, packet arrival deviation. The simulation tests reveal which protocols could be used for the transfer of real-time supermedia data with a HEVC video stream.

This study investigates the impact of intellectual capital on the sustainable performance of banks in Saudi Arabia, focusing on the period from 2012 to 2022. Utilizing data from ten major Saudi banks, the research examines how different components of intellectual capital—Human Capital Efficiency (HCE), Structural Capital Efficiency (SCE), and Capital Employed Efficiency (CEE)—influence key financial performance indicators such as Return on Equity (ROE) and Net Profit Margin (NPM). The study is grounded in the resource-based view of the firm, which suggests that a firm’s internal resources can provide a sustainable competitive advantage. The analysis employs panel data techniques, including fixed and random effects models, to assess the relationships between intellectual capital components and bank performance while controlling for variables like bank size, financial leverage, GDP growth, inflation, and the impact of the COVID-19 pandemic. The findings reveal that intellectual capital significantly enhances bank performance in Saudi Arabia, with human capital efficiency showing the most decisive influence on ROE and NPM. Structural capital and capital employed efficiency also contribute positively but vary in their impact on different performance measures. This research contributes to the theoretical and practical understanding of the role of intellectual capital in promoting sustainable banking practices. It underscores the importance of strategic management of intellectual capital in enhancing financial performance and achieving sustainability goals, particularly in the context of Saudi Arabia's Vision 2030. The study's insights are relevant for bank managers and policymakers who leverage intellectual capital for economic diversification and sustainable development.

This analyses the impact of competition on liquidity creation in the banking industry of the United States. For the purposes of this paper panel data of US banks for the period of 1976-2000 is chosen as a sample. The plausible endogeneity issue is addressed by employing instrumental variables and then implementing two stages least squares method. Besides this, crisis period of 1990-1992 is also analyzed to compare effect with in “normal times”. The results show that decrease in the level of competition negatively affects the liquidity creation ability of banks in the US and this impact is even more negative during the crisis period.

This research study aims to explore how during COVID-19, the adoption of online banking is impacted by various factors such as perceived usefulness, perceived ease of use, perceived security, and trust. The data were collected using the primary questionnaire with 98 respondents. The study investigates the direct effect using the PLS-SEM method, and the indirect effects are analyzed using mediation analysis. The study indicates that perceived security is an important factor that impacts the adoption of online banking by self-help groups in India. Trust in online banking without allaying the fears of banking online does not lead to the adoption of technology. Perceived ease of use and ease of usage directly impact the adoption of online banking by the members of self-help groups in India. The study is the first-ever study to measure the indirect impact of trust on the intention to use online banking by the members of self-help groups in India This study has far-reaching implications for policymakers and banks. To increase the adoption of online banking, it is important to allay the fears of security among the members of self-help groups in India.

The global financial crisis of 2008, triggered by the collapse of Lehman Brothers, highlighted a banking system that was widely exposed to systemic risk. The minimization of the systemic risk via a close and detailed monitoring of the entire banking network became a priority. This is a complex and demanding task considering the size of the banking systems: in the US and the EU they include more than 10000 institutions. In this paper, we introduce a methodology which identifies a subset of banks that can: a) efficiently represent the behavior of the whole banking system and b) provide, in the case of a failure, a plausible range of the crisis dispersion. The proposed methodology can be used by the regulators as an auxiliary monitoring tool, to identify groups of banks that are potentially in distress and try to swiftly remedy their problems and minimize the propagation of the crisis by restricting contagion. This methodology is based on Graph Theory and more specifically Complex Networks. We termed this setting a “multivariate Threshold – Minimum Dominating Set” (mT–MDS) and it is an extension of the Threshold – Minimum Dominating Set methodology (Gogas e.a., 2016). The method was tested on a dataset of 570 U.S. banks: 429 solvent and 141 failed ones. The variables used to create the networks are: the total interest expense, the total interest income, the tier 1 (core) risk-based capital and the total assets. The empirical results reveal that the proposed methodology can be successfully employed as an auxiliary tool for the efficient supervision of a large banking network.

As the demand for a more sustainable society increases, adopting a sustainable banking approach serves as a competitive advantage for banks that are focused on attaining bank loyalty. This study revolves around understanding the role of sustainable banking practices on bank loyalty, while exploring the mediating effect of corporate image in the relationship between sustainable banking practices and bank loyalty. 511 data derived from customers of the banking sector was adopted for this study. Result from the structural equation modeling shows that sustainable banking practices positively and directly affects bank loyalty and corporate image, corporate image directly and positively affect bank loyalty, and also mediates in the relationship between sustainable banking practices and bank loyalty.

The Internet's core network, crucial for key services, lacks a clear definition, hindering Internet development and security research. This study analyzes important Autonomous Systems (ASes) and proposes a rule-filtering, top-down method to infer the Internet's core network. It identifies two core memberships: Tier-1 ASes and Regional Tier-1 ASes. Despite a gap, Regional Tier-1 ASes show potential to join the core. Our proposed core structure, unlike traditional methods that randomly select TOP-K nodes, offers improved rationality and interpretability. Historical data analysis reveals the Internet's core structure as a tightly interconnected network of large provider ASes. Despite some changes, this structure shows remarkable stability and growing influence, potentially encouraging other ASes to establish direct connections with the core ASes, accelerating the trend towards a flattened Internet structure. Furthermore, the core structure may be evolving from a majority to a more minority-centric structure.

Over the past few years, we have experienced great technological advancements in the information and communication field, which has significantly contributed to reshaping the Intelligent Transportation System (ITS) concept. Evolving from the platform of a collection of sensors aiming to collect data, the data exchanged paradigm among vehicles is shifted from the local network to the cloud. With the introduction of cloud and edge computing along with ubiquitous 5G mobile network, it is expected to see the role of Artificial Intelligence (AI) in data processing and smart decision imminent. So as to fully understand the future automobile scenario in this verge of industrial revolution 4.0, it is necessary first of all to get a clear understanding of the cutting-edge technologies that going to take place in the automotive ecosystem so that the cyber-physical impact on transportation system can be measured. CIoV, which is abbreviated from Cognitive Internet of Vehicle, is one of the recently proposed architectures of the technological evolution in transportation, and it has amassed great attention. It introduces cloud-based artificial intelligence and machine learning into transportation system. What are the future expectations of CIoV? To fully contemplate this architecture’s future potentials, and milestones set to achieve, it is crucial to understand all the technologies that leaned into it. Also, the security issues to meet the security requirements of its practical implementation. Aiming to that, this paper presents the evolution of CIoV along with the layer abstractions to outline the distinctive functional parts of the proposed architecture. It also gives an investigation of the prime security and privacy issues associated with technological evolution to take measures.

Blockchain (BC) in the Internet of Things (IoT) is a novel technology that acts with decentralized, distributed, public and real-time ledger to store transactions among IoT nodes. A blockchain is a series of blocks, each block is linked to its previous blocks. Every block has the cryptographic hash code, previous block hash, and its data. The transactions in BC are the basic units that are used to transfer data between IoT nodes. The IoT nodes are different kind of physical but smart devices with embedded sensors, actuators, programs and able to communicate with other IoT nodes. The role of BC in IoT is to provide a procedure to process secured records of data through IoT nodes. BC is a secured technology that can be used publicly and openly. IoT requires this kind of technology to allow secure communication among IoT nodes in heterogeneous environment. The transactions in BC could be traced and explored through anyone who are authenticated to communicate within the IoT. The BC in IoT may help to improve the communication security. In this paper, I explored this approach, its opportunities and challenges.

The current global financial sector is dedicated to providing customers with more advanced and strategic services. With channels like internet banking, mobile phone banking, and telephone banking, the industry delivers multi-channel banking services to satisfy its clients. The COVID-19 pandemic has directly impacted the global economy, as well as the financial sector, with the banking sector facing lockdown initiatives to curb the virus's spread. As a result, mobile payment methods have been favored by people over physical money for transactions. This study analyzes the factors that influenced mobile banking usage during the pandemic in Sri Lanka.. Convenience sampling was used, comprising of 200 online questionnaires conducted among customers in Sri Lanka. The collected data was analyzed using descriptive analysis, exploratory factor analysis, and multiple linear regression through IBM SPSS 25. Research findings revealed that trust and risk were significant factors affecting mobile banking usage in Sri Lanka. Trust had a positive effect while Risk negatively effects to the mobile banking usage. Ease of use and Usefulness were irrelevant factors during the COVID-19 pandemic in Sri Lanka.

In the following article I analyze the determinants of regular internet users in the Italian regions. The data is analyzed both in terms of static analysis and also through the application of the k-Means algorithm optimized with the Elbow method. Subsequently, an econometric model is presented for estimating regular internet users in the Italian regions based on variables that reflect the state of technological innovation and digital culture. The results are analyzed and discussed in light of the implications that digitalisation has for triggering economic growth.

A brain-computer interface for controlling elements commonly used at home is presented in this paper. It includes the electroencephalography device needed to acquire signals associated to the brain activity, the algorithms for artefact reduction and event classification, and the communication protocol.

AbstractBackground: In digitalization era, health care system was conditioned with the health worker’s ability to adapt media of digital technology. Digital technology media was used to strengthening and fasted the health care for patient and community. Aims: This study aimed to explore the accurate information of health professional utilization digital technology during doing the job at the health facilities in Timor-Leste. Methods: This study was used correctional study with 56 respondents was participated in the study. Was collected the data from 1 to 30 February 2023. Was used questioner of google form based for data collection. Data collection was distributed via online with google form to social media as WhatsApp’s, email and face book and twitter to completed by respondents. The inclusive Criteria are: health professional living in Timor-Leste, to able response the questioner. Was used descriptive analysis in this study. Finding: This study was indicated that majority of health professional was participated in the study as 54,2% man then women have 45,8%. About 100% health professional used hand phone to facilitate their daily activities including related with their work activities. Other side indicated in digital technology tools use are able to use Microsoft word is 78,3%, able to use Microsoft Excel is 76,7% and able to use Power Point is 81,7%. E-mail use about 89,2%, WhatsApp’s use 81,7%, About 74,2% was used zoom/webinars/Google meet application, about 72,5% sad that they were used computer in the work place until now. Around 96.4% need to improve or deepen their knowledge and skills in using ICT in the future to facilitate they are activity. Conclusion: Majority of health professional in Timor-Leste was used the computer, internet, hand phone in daily activities. Majority need to gate the training to improve their knowledge, attitude and psychomotor in the future.

One of the fastest growing customer service delivery platforms is online banking. However, the increasing number of attacks on online banking platforms is driving the banks to constantly review their security. This study developed an enhanced Multi-factor authentication scheme with a track and trace capability to reduce these threats. Five modalities of authentication were incorporated in the proposed scheme: The traditional username, password, personal identification number (PIN) and one-time PIN (OTP), augmented with fingerprints or facial scans, registered smart devices, and a time locked user's location. One of the scheme's most impressive accomplishments is its capacity to seamlessly detect undesired activities and send alerts in the form of secretly obtained photographs and location triangulation.

The Internet of Vehicles (IoV) is an emerging field that has attracted significant attention due to its potential to transform transportation and mobility. IoV enables the development of new services and applications that can improve transportation systems' efficiency, safety, and sustainability. However, ensuring secure and trustworthy communication among the different components of an IoV system is a critical challenge that needs to be addressed. This paper proposes a blockchain-enabled communication framework for secure and trustworthy IoV applications. The proposed framework leverages the security and decentralization features of blockchain technology to provide secure communication channels for different components of the IoV system, including vehicles, infrastructure, and service providers. The proposed framework provides an identity management system to authenticate and authorize users and devices, thereby preventing unauthorized access and data breaches. To evaluate the effectiveness of the proposed framework, we conducted experiments using a real-world IoV scenario, and the results demonstrate that the proposed framework can provide secure and trustworthy communication for IoV applications. The proposed blockchain-enabled communication framework offers a promising approach to address the security and trust challenges in IoV communication systems.

(1) Background: The importance of this article is to analyze the technological developments in the field of the Internet and Internet technologies and to determine their significance for the sustainable development which will result in the emergence of the Society 5.0; (2) The authors used automated content analysis for the analysis of 552 articles published in 306 scientific journals indexed by SCII and/or SCI - EXPANDED (Web of Science (WOS) platform) between the years 1996 and 4/2020. The goal of the research was to present the relationship between the internet and sustainable development. (3) Results: The results of the analysis show that the top four most important themes in the selected journals were “development”, “information”, “data”, and “business and services”. (4) Conclusions: Our research approach emphasizes the importance of the culmination of scientific innovation with the conceptual, technological and contextual frameworks of the internet and internet technology usage and its impact on sustainable development and emergence of the Society 5.0

This article will provide an overview on internet of things (IoT), 5G communication System and Distributed Clouds. The basic concepts and benefits will be briefly presented, along with current standardization activities. In a nutshell, but the research will focus on relating internet of things, 5G and Distributed Cloud Computing.

In the era when the market segment of Internet of Things (IoT) tops the chart in various business reports, it is apparently envisioned that the field of medicine expects to gain a large benefit from the explosion of wearables and internet-connected sensors that surround us to acquire and communicate unprecedented data on symptoms, medication, food intake, and daily-life activities impacting one’s health and wellness. However, IoT-driven healthcare would have to overcome many barriers, such as: 1) There is an increasing demand for data storage on cloud servers where the analysis of the medical big data becomes increasingly complex; 2) The data, when communicated, are vulnerable to security and privacy issues; 3) The communication of the continuously collected data is not only costly but also energy hungry; 4) Operating and maintaining the sensors directly from the cloud servers are non-trial tasks.This book chapter defined Fog Computing in the context of medical IoT. Conceptually, Fog Computing is a serviceoriented intermediate layer in IoT, providing the interfaces between the sensors and cloud servers for facilitating connectivity, data transfer, and queryable local database. The centerpiece of Fog computing is a low-power, intelligent, wireless, embedded computing node that carries out signal conditioning and data analytics on raw data collected from wearables or other medical sensors and offers efficient means to serve telehealth interventions. We implemented and tested an fog computing system using the Intel Edison and Raspberry Pi that allows acquisition, computing, storage and communication of the various medical data such as pathological speech data of individuals with speech disorders, Phonocardiogram (PCG) signal for heart rate estimation, and Electrocardiogram (ECG)-based Q, R, S detection. The book chapter ends with experiments and results showing how fog computing could lessen the obstacles of existing cloud-driven medical IoT solutions and enhance the overall performance of the system in terms of computing intelligence, transmission, storage, configurable, and security. The case studies on various types of physiological data shows that the proposed Fog architecture could be used for signal enhancement, processing and analysis of various types of bio-signals.

The world is currently experiencing the fourth industrial revolution driven by the newest wave of digitisation in the manufacturing sector. The term Industry 4.0 (I4.0) represents at the same time: a paradigm shift in industrial production, a generic designation for sets of strategic initiatives to boost national industries, a technical term to relate to new emerging business assets, processes and services, and a brand to mark a very particular historical and social period. I4.0 is also referred to as Industrie 4.0 the New Industrial France, the Industrial Internet, the Fourth Industrial Revolution and the digital economy. These terms are used interchangeably in this text. The aim of this article is to discuss major developments in this space in relation to the integration of new developments of IoT and cyber physical systems in the digital economy, to better understand cyber risks and economic value and risk impact. The objective of the paper is to map the current evolution and its associated cyber risks for the digital economy sector and to discuss the future developments in the Industrial Internet of Things and Industry 4.0.

This research aims to introduce a model, SectraBank, designed to mitigate cyber fraud attacks, specifically targeting SIM Swapping and Fake App schemes in mobile banking users. A quantitative methodology with an experimental design was meticulously employed to examine the rise of cyber fraud within mobile banking. The study involved a sample of 100 professionals with advanced knowledge in Information and Communication Technologies (ICTs). Surveys were utilized to measure awareness of threats and perceptions of security before and after the implementation of the proposed model. SectraBank leverages unique user identifiers such as fingerprint authentication and the International Mobile Equipment Identity (IMEI) number, in addition to geolocation and One Time Passwords (OTP) for validating electronic transactions in mobile banking. The effectiveness of the proposed model was notable, achieving a 96.1% efficacy rate in mitigating Fake App attacks and a 90.2% success rate in countering SIM Swapping attacks. These findings underscore the potential of SectraBank as a robust solution to enhance cybersecurity measures in the realm of mobile banking.

Norovirus (NoV) is recognised as a major cause of epidemic and sporadic acute gastroenteritis (AGE) in all age groups. Information on the genetic diversity of the NoVs circulating in the 1980s and 1990s, before the development and adoption of dedicated molecular assays, is limited compared to the last decades. In the period 1986-2020, uninterrupted viral surveillance was conducted in symptomatic children hospitalized for AGE in Palermo, Italy, providing a unique time capsule for exploring the epidemiological and evolutionary dynamics of enteric viruses. In this 35-year long time span NoVs of genogroup II (GII) were detected in 15.6% of AGE requiring hospitalization, whilst GI NoVs in 1.4%. Overall, the predominant NoV capsid (Cap) genotype was GII.4 (60.8%), with temporal replacement of the GII.4 Cap variants and associated polymerase (Pol) types. The chronology of emergence and circulation of the different GII.4 variants were consistent with the data available in literature. Also, for GII.3 and GII.2 NoVs the circulation of different lineages/strains, differing in either the Cap or Pol genes or in both, was observed. This long-term study revealed the ability of NoVs to modify continuously and rapidly their genomic makeup and highlights the importance of surveillance activities for vaccine design.

This manuscript reviews the relationship between customer perception factors and AI-enabled customer experience in the Ecuadorian banking industry. The study employs a self-designed online questionnaire with five factors for customer perception (convenience in use, personalization, trust, customer loyalty, and customer satisfaction) and two categories for AI-enabled customer experience (AI-hedonic customer experience and AI-recognition customer service). The final valid dataset consisted of 226 questionnaires. The data analyses and the hypotheses tests were done using SPSS 26 and structural equation modeling, respectively. The main findings displayed that all five customer perception factors have a positive and significant effect on AI-enabled customer experience in the Ecuadorian banking industry. Study results are aligned with previous findings from other countries, particularly the banking environment in the United Kingdom, Canada, Nigeria, and Vietnam. The AI techniques involved in the financial sector increase the valuation of customer experience due to AI algorithms recollecting, processing, and analyzing customer behavior. This study contributes with a complete statistical and econometric model for determinants of AI-enabled customer experience. The main restriction of the study is the particular analysis of the most demanded AI financial services (not all services and products are included) and the inexistence of a customer perception index. For upcoming research, the authors recommend performing a longitudinal study using quantitative data to measure the effect of AI-enabled customer experience on the Ecuadorian banks’ performance.

This is a quantitative research based on secondary sources of data. The study examines the influence of Chief Executive Officer’s (CEO) compensation on a firm's performance. The objectives of the study were to determine if CEO compensation and firm size do significantly influence a firm’s performance. In other to elicit information to examine the relationship between the variables, the convenience sampling technique, with the combination of both the cross-sectional and time-series data (panel data) were used since they provide greater precision and guard against having an illusory sample. 10 banks quoted on the Nigerian Stock Exchange were sampled for easy accessibility of data. The least square regression technique was used to test the hypotheses of the study. Two hypotheses were tested using panel least square (EViews 8) and from the research work, we summarize the following results; there is a significant relationship between CEO compensation and firm performance in the Nigerian banking industry. In addition, firm size does significantly influence firm performance in the Nigerian banking industry. The study recommends that there should be proper compensation review as this will increase the productivity of the executives. Since increased pay is necessary for the efficiency of the workers, it is advised to ensure a considerable pay as this will ensure for efficiency in the organization. In addition, since the core goal of setting up any business is to make a profit, business organisations should sort out ways at maximising profit and this could include cutting down expenses such as cutting down excessive employees’ pay (CEOs pay especially) and setting apposite pay package for employees. Therefore, policymakers (board of directors) should make an effort to align CEO’s paywith the firm’s capability to pay.

With the development of sensor and communication technologies, Internet of Things (IoT) subsystem is gradually becoming a crucial part in vehicles. It can effectively enhance functionalities of vehicles. However, new attack types are also emerged. For example, a driver with the smart key in the pocket can push the start button to start a car when. At the same time, security issues in the push-to-start scenario are alerted, such as smart key forgery. In this paper, we propose a vehicle Passive Entry Passive Start (PEPS) system that uses deep learning algorithms to recognize the driver by the Electrocardiogram (ECG) signals measured by his or her smart watch. ECG signals are used for verification. Smart watches, as a new smart key of PEPS system, can replace traditional smart keys to improve security. Experiment results show that Long Short-Term Memory (LSTM) models have achieved the best accuracy score for identity recognition (91%) when single ECG cycle is used. However, it takes at least 30 minutes for training. The training time of Auto Encoder successfully reduces to 5 minutes. When 15 continuous ECG cycles are used, it can achieve 100% identity accuracy.

The following article indicates the determinants of “Internet User Skills” among European countries based on the application of the database deriving from the DESI-Index. The data were analyzed using the following econometric models, namely: Panel Data with Fixed Effects, Panel Data with Random Effects, Pooled OLS, WLS, WLS corrected for heteroskedasticity. The Elbow method and the Silouette coefficient method were compared for the optimization of the number of clusters obtained by the k-Means algorithm. The result shows the presence of 5 clusters. A network analysis was carried out using the Euclidean distance with the result of identifying two network structures between some analyzed countries. subsequently a comparison was made between six different machine learning algorithms for the prediction of the future value of the variable of interest. The result shows that the best predictor algorithm is Gradient Boosted Tree Regression with an expected value of the predicted variable increasing by a value of 1.75%. Later a further comparison was made by comparing 6 algorithms with the increased data. The result shows that the best predictor is Simple Regression Tree. The interest variable is predicted to decrease by an amount equal to -6.099%. Statistical errors improve on average by 32.43% in the transition between the original data and the increased data.

It is important to increase the quality of health and medicine. A wearable system for continuous monitoring of the patient is important to overcome this issue. Thus a patient with Arrhythmia due to its low cost and success in saving the life of the patient was the right option for the care partner. In addition, the device will provide a consumer with a smart smartphone application with accurate pulse beat and body temperature data in real time. MAX 30100 and LM35 are primarily used for the detection of human heart and temperature. The performance of these sensors is generated by an arrhythmia algorithm in the esp32 segment.

With the development of Internet technology, teachers are constantly seeking innovative teaching methods to match the potential of enhanced technology. Although many studies have been performed before , they aren’t enough in this field. The purpose of this paper is to explore innovative teaching designs and examine the impact of Internet-assisted English teaching of reading based on constructivism. The case is carried out in NO.9 middle school of Bengbu, a underdeveloped area of China, most of students aren’t interested in learning English .We compared Internet-assisted with traditional textbook literature methods to improve the reading proficiency of students, using a questionnaire survey,pre-test and post-tests comparisons. The result showed Internet-assisted English reading teaching is better than textbook. It can arouse students' interest and motivation,reading proficiency and exam result of students have been improved significantly, created a positive learning situation.

New developments in broadcast technology, such as the ad hoc wireless network and the detection devices that work, enable daily connections to the Internet, commonly referred to as the Internet of Things (IoT). IoT saw this as a support for the development of creative and contextual services and applications. The service can respond to the user's environment and preferences. Finite state machines are recently making waves when the issue of self-controlling systems come into the picture of designs. This research focuses on the design of a fault tolerant system that controls random failures impressed on the network. The method comprises of diodes, Resistors, Optocouplers, ESP8266 WI-FI Module Webpage with button, and two Arduinos which in effect will determine iteratively who to handle a failure at hand modelled as when the button on the webpage is pressed. In this work, a Heartbeat Detection and Monitoring System will be made using Arduino that detect the electrical state using the Pulse Sensor and show the readings in Beats Per Minute on the LED connected a microcontroller. It sends the texts to the server using the Wi-Fi module ESP8266 to signals can be monitored from the monitoring zone via the internet. This is reflected by the declaration of a master state by either of two Arduinos whenever the push button is pressed as observed on the codes. The result obtained from the research shows apparently, the state of the fault tolerance system none power deny of heartbeat condition connected to the LED.

The Internet-of-Things (IoT) triggers new types of cyber risks. Therefore, the integration of new IoT devices and services requires a self-assessment of IoT cyber security posture. By security posture this article refers to the cybersecurity strength of an organisation to predict, prevent and respond to cyberthreats. At present, there is a gap in the state-of-the-art, because there are no self-assessment methods for quantifying IoT cyber risk posture. To address this gap, an empirical analysis is performed of 12 cyber risk assessment approaches. The results and the main findings from the analysis is presented as the current and a target risk state for IoT systems, followed by conclusions and recommendations on a transformation roadmap, describing how IoT systems can achieve the target state with a new goal-oriented dependency model. By target state, we refer to the cyber security target that matches the generic security requirements of an organisation. The research paper studies and adapts four alternatives for IoT risk assessment and identifies the goal-oriented dependency modelling as a dominant approach among the risk assessment models studied. The new goal-oriented dependency model in this article enables the assessment of uncontrollable risk states in complex IoT systems and can be used for a quantitative self-assessment of IoT cyber risk posture.

IP Multimedia Subsystem (IMS) supports high-speed transmission of multi-media like data, audio, and video between mobiles and other wireless devices. IMS is the most suitable for multimedia communication across multiple networks using the Internet of Things (IoT) and cloud computing. IoT-IMS can efficiently manage the huge amount of data generated by smart devices for audio-video during live streaming applications. During these services, the main problem is that an intruder can launch a Session Initialization Protocol (SIP) messages flooding attack on IMS that does not have the functionality to prevent itself from these types of attacks. In this paper, an intrusion detecting and preventing system (IDPS) is proposed that effectively detects the register flooding and spoofing attacks using SIP messages. We proposed a watermark embedding algorithm on the user side and an extraction algorithm on receiving side. A test-bed is set up for IMS where we have considered four different scenarios to evaluate the IDPS approach as compared to counterparts. Results illustrate the dominance of our scheme in terms of response time, register flooding attack detection ratios, CPU load utilization, fault detection ratio, and memory utilization. The fault detection ratio averagely 98.18

Dietary supplements are commonly used among athletes. The Australian Institute of Sport (AIS) groups supplements into 4 categories, being group D considered by the World Anti-Doping Agency (WADA) as prohibited supplements. The online availability of four doping substances: oxandrolone, dehydroepiandrosterone (DHEA), androstenedione and Tribulus terrestris, purchased from Spain, Puerto Rico, Canada, USA, Ukraine and Russia was evaluated. The characteristics of the websites, the countries the webs sold to, the pharmaceutical forms offered and the recommendations for its use were analyzed by using a computer tool designed ad hoc. There were significant differences between countries in the number of webpages that sold the products (Chi-square test, p<0.05). Oxandrolone was available for purchase mainly in Spain (27.12%) and Ukraine (26.58%), coming from websites dedicated to sports (77.26%). For DHEA, most of the pages were located in Canada (23.34%) and Russia (21.44%). Tribulus terrestris was the compound with the highest number of web pages. In the case of androstenedione, none of the pages for its sale requested prescription. Products such as androstenedione or DHEA are claimed to enhance sports performance or for sports use without providing details. The results showed that a limited number of Internet sites request prescriptions. Most of the doping substances are purchased from the country where they are requested. Athletes should be encouraged to consult health professionals about which supplements are suitable for their type of training and sports objectives.

With the rise of Internet of Things (IoT) devices and Cyber-Physical Systems, the demand for more functional and high-quality software has increased tremendously. To meet this need, we must reengineer and reuse existing software, as well as develop new software formal verification methods. One such method is based on physical quantities defined by the System International, which have physical dimensions. The homogeneity of physical dimensions in software code enables us to check the software code in the space of base units, making it the first basis of the new software verification method. However, this method cannot check expressions with angles, angle speed, and other similar features. To address this, a transformation for physical value orientation introduced by Siano allows us to check software code for orientational, stabilization, and other related branches. This makes the orientational homogeneity the second basis of the new software verification method. To assess the effectiveness of the proposed method, we developed special software defect models based on the statistical characteristics of software code. We used a special statistical analysis tool to define the statistical characteristics of modern software and analyzed over 2 GB of C++ GITHUB code for drones. Based on the actual distribution of software characteristics, the proposed method can detect over 60% of latent software defects. Implementing this method can significantly reduce testing time, improve reliability, and enhance overall software quality.

The COVID-19 is an exponentially growing disease that has intentioned nations to use technologies to detect the coronavirus infection. Several nations are working greatly to fight against COVID-19. Many nations have been using a range of devices to combat the pandemic, seeking information about growth, monitoring as well as the leaking the confidential information of the residents. This research aims to assist infected people online using the Internet of Things (IoT) and Blockchain technologies through smart devices. IoT-based healthcare devices gather useful information, provide additional insight through symptoms and behaviors, allow remote monitoring, and simply give people better self - determination and healthcare. Blockchain allows the secure transfer of patient health information, regulates the medical distribution network. A four-layer architecture is proposed using IoT and Blockchain to detect and prevent individuals to be COVID 19. This research provides a framework for patients with COVID-19 infectious disease and recognizes health issues and diagnoses online. Smart devices such as smartphones can install any mobile apps such as Aarogya Setu, Tawakkalna, and so on. These applications can track COVID-19 patients properly. The installation of mobile apps on smart devices focuses to reduce the time and cost and increase the performance of the infectious patient's condition. A four-layer architecture is proposed using IoT and Blockchain technologies. Many research works focus on investigating, analyzing, and highlighting the affected individuals through guiding the COVID-19 infection. Eventually, various mobile apps are recognized and addressed in this paper.

1) Background: It has been more than a decade since the concern about addictive use of the Internet and mobile phones was first expressed and its possible inclusion into the lists of mental disorders has been a popular topic of discussion recently, thus it seems to be a fitting moment to investigate the evolution of this issue over time. The aim of the present study was to analyze the evolution of the perception of problematic Internet and smartphone use in young people over the period 2006–2017; 2) Methods: To this end, a questionnaire on Internet use habits and the CERI and CERM questionnaires on negative consequences of Internet and smartphone use were administered to a sample of 792 university students and compared with data from former studies over the period 2006–2017; 3) Results: The perception of problematic Internet and mobile phone use has increased over the last decade, social networks are considered responsible for this increase, and females are the ones perceived to be more affected than males. The degree to which participants agree with the statement “I am addicted to the Internet” can be used as a screening item for problematic use.

The effects of the 2008 financial crisis undoubtedly caused problems not only to the banking sector but also to the real economy of the developed and the developing countries in almost all around the globe. Besides, as is widely known, every banking crisis entails the corresponding cost to the economy of each country affected by it, which results from the shakeout and the restructuring of its financial system. The purpose of this research is to investigate the consequences of the financial crisis and the COVID-19 health crisis and how these affected the course of the four systemic banks (Eurobank, Alpha Bank, National Bank, Piraeus Bank) through the analysis of ratios for the period of 2015-2020.

This study examined the determinants of domestic savings mobilization among the rural poor in Uasin-Gishu county, Kenya. The general notion is that the subsistence farmers are too poor to save. This seems to be unfounded given the fact that they are general excluded from formal financial services and studies on poverty in the country show that the average propensity of the rural households to save is higher than the national average. What are the factors which motivate small scale farmers to save? The study was conducted on 446 table banking groups under the aegis of JOYWO, a table banking grouping in Kenya. Data was collected using structured questionnaires from members of groups under the umbrella of JOYWO. The findings of the study indicates that household income had a positive and significant effect on savings mobilization while dependency ratio had a negative and significant effect on savings mobilization. Household size was not significant. The results point to the need to expose the rural poor to informal savings and financing models expected to enhance income generating capabilities of the rural poor and lower the level dependency through government welfare funding for senior citizens and essential services for the young.

In this paper, we use the Principal Components Logistic Regression as a technique to reduce the variables being used in Credit Scoring Modeling. Specifically, we construct two models in which greek enterprises are classified, through their credit behavior and we evaluate them, relying on real data. In general, we propose a general way to use PC Regression, in case that we have high correlations and categorical variables in the sample.

In Greece, as in most European countries, the heterogeneity of students leads to conflicts resulting in a general inability of the educational process to function. This review study is focused on modern issues affecting youth and school education procedures such as internet addiction, student behaviour expressed as bullying, and adolescent sexuality development. All sides agree that the most essential purposes of education are to emphasize the cultivation of interpersonal relationships, the development of sociability, and self-esteem, and the prevention. Teachers wanting to respond to the spirit of the times to rationalize the pedagogical process introduced the pedagogical contract as a school practice as a valuable tool in taking control of the class and gaining students' attendance. The teacher's positive attitude will create added value to their knowledge and experiences while helping them to integrate into society.

As a new logistics system, Physical Internet (PI) provides a solution to cope with the continuous rise of urban logistics demand by exploring same-level and cross-level paths and flattening. This research suggests a PI-based urban logistics distribution cost minimization model based on the examination of the primary elements influencing PI distribution, intending to maintain the logistic transportation process' integrity. This proposed model enhances the flexibility of goods operation and reduces the global cost of logistics distribution using the interconnected and open PI logistics distribution mode. The experimental results show that the distribution cost of the PI logistics model is significantly better than that of a traditional logistics model. The elastic and cost advantages relatively grow as the infrastructure for distribution scales up and the interruptions from emergencies occur.

Advances towards smart ecosystems showcases Internet of Things (IoT) as a transversal strategy to improve energy efficiency in buildings, to enhance their comfort and environmental conditions, and to grow knowledge about building behavior, its relationships with the users and the interconnections among themselves and with the environmental and ecological context. EU estimates that 75% of the building stock is inefficient and aged with +40 years old. Although many buildings have some kind of system for regulating their indoor temperature, only a small subset provides integrated Heating, Ventilation, and Air Conditioning (HVAC) systems; within that subset, only a low percentage includes smart sensors, and only a minimum of that percentage integrates those sensors into IoT ecosystems. This work proposes several contributions. On the one hand, to understand the built environment as a set of interconnected systems that constitute a complex framework where IoT ecosystems are key enabling technologies to improve energy efficiency and Indoor Air Quality (IAQ) by filling the gap between theoretical simulations and real measurements. On the other hand, to understand IoT ecosystems as cost-effective solutions where: acquire data through connected sensors, analyze information in real-time, and build knowledge to make data-driven decisions. Furthermore, data set is public for third-party use to contribute scientific community to their research studies. Thus, this paper also contributes with a detailed functional scheme of IoT ecosystem deployed in 3 buildings of University of Zaragoza (Spain) with +200 geolocated wireless sensors with +100 representative spaces. The obtained results, through real installations with IoT as learning factory, show several learned lessons (about building complexity; energy consumption, costs and savings; and IAQ and health improvement) and contribute, as a proof-of-concept, with a proposal of prediction of building performance based on both correlations (between CO2 and occupancy) and neural networks (applied to CO2 and temperature). In summary, in a real context of economic restrictions, complexity, higher energy costs, social vulnerability and climate change, IoT-based strategies, as proposed in this work, highlight as an open, modular and interoperable approach to move towards smart communities (buildings, cities, regions, etc.) by improving energy efficiency and environmental quality (indoor and outdoor) with low cost, quick implementation, and low impact on users within great challenges for growth, interconnection, climate change and sustainability.

With the rapid development of Internet of Vehicles (IoV), particularly the introduction of mobile edge computing (MEC), vehicles can efficiently share data with one another. However, edge computing nodes are vulnerable to various network attacks, posing security risks to data storage and sharing. Moreover, the presence of abnormal vehicles during the sharing process poses significant security threats to the entire network. To address these issues, this paper proposes a novel reputation management scheme, which proposes an improved multi-source multi-weight subjective logic algorithm. This algorithm fuses direct and indirect opinion feedback of nodes through the subjective logic trust model while considering factors such as event validity, familiarity, timeliness, and trajectory similarity. Vehicle reputation values are periodically updated, and abnormal vehicles are identified through reputation thresholds. Finally, blockchain technology is employed to ensure the security of data storage and sharing. By analyzing real vehicle trajectory datasets, the algorithm is proven to effectively improve the differentiation and detection rate of abnormal vehicles.

Nowadays, people live amidst the smart home domain, business opportunities in the industrial smart city and health care, though, along with concerns about security. Security is central for IoT systems to protect sensitive data and infrastructure, whilst security issues become increasingly expensive, in particular in Industrial Internet of Things (IIoT) domains. Nonetheless, there are some key challenges for dealing with those security issues in IoT domains: Applications operate in distributed environments such as Blockchain, varied smart objects are used, and sensors are limited in what comes to machine resources. In this way, traditional security does not fit in IoT systems. In this vein, the issue of cyber security has become paramount to the Internet of Things (IoT) and Industrial Internet of Things (IIoT) in mitigating cyber security risk for organizations and end users. New cyber security technologies / applications present improvements for IoT security management. Nevertheless, there is a gap on the effectiveness of IoT cyber risk solutions. This review article discusses the, trends around opportunities and threats in cyber security for IIoT.

Introduction: Due to the spread of SARS CoV-2 virus responsible for COVID-19 disease, there is an urgent need to analyse COVID-19 epidemic perception in Poland. This study aims to investigate social perception of coronavirus in the Internet media during the epidemic. It is a signal report highlighting the main issues in public perception and medical commutation in real time. Methods: We study the perception of COVID-19 epidemic in Polish society using quantitative analysis of its digital footprints on the Internet on platforms: Google, Twitter, YouTube, Wikipedia and electronic media represented by Event Registry, from January 2020 to 29.04.2020 (before and after official introduction to Poland on 04.03.20). We present trend analysis with a support of natural language processing techniques. Results: We identified seven temporal major clusters of interest on the topic COVID-19: 1) Chinese, 2) Italian, 3) Waiting, 4) Mitigations, 5) Social distancing and Lockdown, 6) Anti-crisis shield, 7) Restrictions releasing. There was an exponential increase of interest when the Polish government “declared war against disease” around 11/12.03.20 with a massive mitigation program. Later on, there was a decay in interest with additional phases related to social distancing and an anti-crisis legislation act with local peaks. We have found that declarations of mitigation strategies by the Polish prime minister or the minister of health gathered the highest attention of Internet users. So enacted or in force events do not affect interest to such extent. Traditional news agencies were ahead of social media (mainly Twitter) in dissemination of information. We have observed very weak or even negative correlations between a colloquial searching term 'antiviral mask' in Google, encyclopaedic definition in Wikipedia “SARS-CoV-2” as well official incidence series, implying different mechanisms governing the search for knowledge, panic related behaviour and actual risk of acquiring infection. Conclusions: Traditional and social media do not only reflect reality, but also create it. Risk perception in Poland is unrelated to actual physical risk of acquiring COVID-19. As traditional media are ahead of social media in time, we advise to choose traditional news media for a quick dissemination of information, however for a greater impact, social media should be used. Otherwise public information campaigns might have less impact on society than expected.

SerIoT is a Research and Innovation Project funded by the European Commission to demonstrate secure networks for the Internet of Things (IoT). This paper presents an overview of the design for smart and secure network infrastructures for the IoT, based on Software Defined Networks (SDN), named the SerCPN system, whose main component is a smart SDN-Controller with online cognitive security surveillance and reporting, which establishes and dynamically modifies paths that enhance security for IoT devices and end users, and offers a high quality of service (QoS) with required security constraints. This online cognitive surveillance and path management is based on the Cognitive Packet Network (CPN) principle and uses Random Neural Networks (RNN) for decision making.

The new coronavirus SARS Cov2 disease from 2019. (COVID-19), started as a cluster of unexplained pneumonia cases in Wuhan in December 2019, has spread globally and caused a serious public health threat. People were scared due to the COVID-19 cases that were rapidly increasing all over the world and the quick changes in how people lived. The COVID-19 pandemic has affected various aspects of life, one of which is the increased use of the internet, especially social media platforms. Past research has clearly linked a pandemic with signs of stress, depression, anxiety, and suicide thoughts, as well as with excessive internet use. The findings of research conducted around the world indicate that the higher the level of stress associated with the COVID-19 pandemic in an individual, the greater the tendency to develop an addiction to the internet. The aim of this paper was to provide a brief overview of the available scientific findings on the impact of the COVID-19 pandemic on mental health and internet addiction. Methods: A sweep through available literature was performed using the database Medline via the PubMed interface for articles written in English, using keywords and MeSH terms "Internet addiction", "mental health" and "COVID-19". Results: With insight into the scientific literature on COVID-19, mental health, and internet addiction, we have concluded that during the COVID-19 pandemic, time spent on the internet increased. Conclusion: Additionally, due to reduced social activities, above mentioned consequently led to internet addiction and thus to psychological distress, increased loneliness and depression.

Early diagnosis, prioritization, screening, clustering and tracking of COVID-19 patients, and production of drugs and vaccines are some of the applications that have made it necessary to use a new style of technology to involve, to manage and deal with this epidemic. Strategies backed by artificial intelligence (AI) and the Internet of Things (IoT) have been undeniable to understand how the virus works and try to prevent it from spreading. Accordingly, the main aim of this survey article is to highlight the methods of ML, IoT and the integration of IoT and ML-based techniques in the applications related to COVID-19 from the diagnosis of the disease to the prediction of its outbreak. According to the main findings, IoT provided a prompt and efficient approach of following the disease spread. Most of the studies developed by ML-based techniques for handling COVID-19 based dataset provided performance criteria. The most popular performance criteria, is related to accuracy factor. It can be employed for comparing the ML-based methods with different datasets. According to the results, CNN with SVM classifier, Genetic CNN and pre-trained CNN followed by ResNet, provided highest accuracy values. On the other hand, the lowest accuracy was related to single CNN followed by XGboost and KNN methods.

This study aims to establish a link between disturbances in the night sleep habitus, quality of sleep, and daytime sleepiness in adolescents with Internet addiction and different types of content consumed. Methods: This is a cross-sectional observational study of a school sample in three large cities in Central Siberia. 4,615 schoolchildren of 12–18 years old were examined. The Russian-language versions of the Chen Internet Addiction Scale, the Game Addiction Scale for Adolescents, and the Social Media Disorder Scale were used to identify Internet addiction. Questions from the Pittsburgh Sleep Quality Index questionnaire were used to assess nighttime sleep. Daytime sleepiness was assessed using the Pediatric Daytime Sleepiness Scale questionnaire. Results: Adolescents with Internet addiction go to bed and wake up late; they are characterized by a decrease in the duration of nighttime sleep, an increase in sleep onset latency, and frequent nighttime awakenings, as well as more pronounced daytime sleepiness. Among the sleep parameters studied, the indicators of daytime sleepiness and night awakening scales have the highest effect size in Internet-addicted adolescents, regardless of the media consumed. Conclusion: Internet-addicted adolescents are characterized by significant disturbances in the quality of nighttime sleep and excessive daytime sleepiness, which requires appropriate psychological correction.

In this paper we designed system for smart university building based on artificial intelligence (AI) and internet of things (IOT). Our idea can be summarized in smart security system that has different sensors to detect the surrounding environment of the class room in campus which keep everyone and everything on campus safer. By using (IOT), (AI) technologies and applications and by using microcontroller programming we can make the university building safer, secure and more energy saves.

Internet of things (IoT) is a network of smart things. This indicates the ability of these physical things to transfer information with other physical things. The characteristics of these networks, such as topology dynamicity and energy constraint, challenges the routing problem in these networks. Previous routing methods could not achieve the required performance in this type of network. Therefore, developers of this network designed and developed specific methods in order to satisfy the requirements of these networks. One of the routing methods is utilization of multipath protocols which send data to its destination using routes with separate links. One of such protocols is RPL routing protocol. In this paper, this method is improved using composite metrics which chooses the best paths used for separate routes to send packets. We propose Energy and Load aware RPL (ELaM-IoT) protocol, which is an enhancement of RPL protocol. It uses a composite metric, calculated based on remaining energy, hop count, Link Expiration Time (LET), load and battery depletion index (BDI) for the route selection. In order to evaluate and report the results, the proposed ELaM-IoT method is compared to the ERGID and ADRM-IoT approaches with regard to average remaining energy, and network lifetime. The results demonstrate the superior performance of the proposed ELaM-IoT compared to the ERGID and ADRM-IoT approaches.

Implications of the novel usage adoption of the internet of things in various sectors of works and life are researched and documented at pace. This is related to the overall high rate at which new technologies are adopted in modern society. Healthcare is a vital aspect of everyday activities and as such overlaps with the increasingly important role played by use of the internet and associated technologies. The purpose of this review article is to draw attention to the potential social, ethical, legal and professional limitations to using IoT in the context of healthcare. The social and ethical aspects in particular, focus on IoT usage in care of the elderly with relevant case studies as reference.

Digital technologies have changed the way supply chain operations are structured. In this article, we conduct systematic syntheses of literature on the impact of new technologies on supply chains and the related cyber risks. A taxonomic/cladistic approach is used for the evaluations of progress in the area of supply chain integration in the Industrial Internet of Things and Industry 4.0, with a specific focus on the mitigation of cyber risks. An analytical framework is presented, based on a critical assessment with respect to issues related to new types of cyber risk and the integration of supply chains with new technologies. This paper identifies a dynamic and self-adapting supply chain system supported with Artificial Intelligence and Machine Learning (AI/ML) and real-time intelligence for predictive cyber risk analytics. The system is integrated into a cognition engine that enables predictive cyber risk analytics with real-time intelligence from IoT networks at the edge. This enhances capacities and assist in the creation of a comprehensive understanding of the opportunities and threats that arise when edge computing nodes are deployed, and when AI/ML technologies are migrated to the periphery of IoT networks.

Τhe concept of remote insect surveillance at large spatial scales for a number of serious insect pests of agricultural and medical importance is introduced in a series of our papers. We augment typical, low-cost plastic traps for many insect pests with the necessary optoelectronic sensors to guard the entrance of the trap in order to detect, time-stamp, GPS tag, and –in relevant cases- identify the species of the incoming insect from their wingbeat. For every important crop pest there are monitoring protocols to be followed in order to decide when to initiate a treatment procedure before a serious infestation occurs. Monitoring protocols are mainly based on specifically designed insect traps. Traditional insect monitoring suffers in that the scope of such monitoring: is curtailed by its cost, requires intensive labor, is time consuming, an expert is often needed for sufficient accuracy and can sometimes raise safety issues for humans. These disadvantages reduce the extent to which manual insect monitoring is applied and therefore its accuracy, which finally results in significant crop loss due to damage caused by pests. With the term ‘surveillance’ we intend to push the monitoring idea to unprecedented levels of information extraction regarding the presence, time-stamping detection events, species identification and population density of targeted insect pests. Insect counts as well as environmental parameters that correlate with insect’s population development are wirelessly transmitted to the central monitoring agency in real time, are visualized and streamed to statistical methods to assist enforcement of security control to insect pests. In this work we emphasize on how the traps can be self-organized in networks that collectively report data at local, regional, country, continental, and global scales using the emerging technology of the Internet of Things (IoT). This research is necessarily interdisciplinary and falls at the intersection of entomology, optoelectronic engineering, data-science and crop science and encompasses the design and implementation of low-cost, low-power technology to help reduce the extent of quantitative and qualitative crop losses by many the most significant agricultural pests. We argue that smart traps communicating through IoT to report in real-time the level of the pest population from the field straight to a human controlled agency can, in the very near future, have a profound impact on the decision making process in crop protection and will be disruptive of existing manual practices. In the present study, three cases are investigated : monitoring Rhynchophorus ferrugineus (Olivier) (Coleoptera: Curculionidae) using a) Picusan and b) Lindgren trap, and c) monitoring various stored grain beetle pests using the pitfall trap.

The rapid growth of the smart Internet of Things (IoT) and massive propagation of wireless technologies revealed the recent opportunities for development in various domains of real life such as smart cities and E-Health applications. A slight defense against different forms of attacks is offered for the current secure and lightweight Routing Protocol for Low Power and Lossy Networks (RPL) of IoT resource-constrained devices. Data packets are highly likely to be exposed while transmitting them during data packets routing. The RPL rank and version number attacks, which are two forms of RPL attacks, can have critical consequences for RPL networks. The studies conducted on these attacks have several security defects and performance shortcomings. The research proposes a Secure RPL Routing Protocol (SRPL-RP) for rank and version number attacks. It mainly detects, mitigates and isolates attacks in the RPL networks. The detection is based on a comparison of ranks strategy. The mitigation uses threshold and attacks status tables, and the isolation adds them to a blacklist table and alerts relevant nodes to skip them. SRPL-RP supports diverse types of network topologies and is comprehensively analyzed with multiple studies such as Standard RPL with Attacks, SBIDS and RPL+ Shield. The analysis results showed that the SRPL-RP achieves great improvements with Packet Delivery Ratio (PDR) of 98.48%, control message value of 991 packets/second, and average energy consumption of 1231.75 joules. It provides a better accuracy rate with 98.17% under the attacks.

The Internet of Medical Things (IoMT) represents a specialized domain within the Internet of Things, focusing on medical devices that require regulatory approval to ensure patient safety. Trusted composition of IoMT systems aims to ensure high assurance of the entire composed system, despite potential variability in the assurance levels of individual components. Achieving this trustworthiness in IoMT systems, especially when using less-assured, commercial, off-the-shelf networks like Ethernet and WiFi, presents a significant challenge. To address this challenge, this paper advocates a systematic approach that leverages the Architecture Analysis & Design Language (AADL) along with Behavior Language for Embedded Systems with Software (BLESS) specification and behavior. This approach aims to provide high assurance on critical components through formal verification, while using less-assured components in a manner that maintains overall system determinism and reliability. A clinical case study involving an automated opioid infusion monitoring IoMT system is presented to illustrate the application of the proposed approach. Through this case study, the effectiveness of the systemic approach in achieving trusted composition of heterogeneous medical devices over less-assured networks is demonstrated.

In this paper, we address the problem of compatibility between digital signature schemes and in-network aggregation approaches. In the IoT world, the gateways alter the signed network flows when performing in-network aggregation. Therefore, existing conventional approaches are not suitable for verifying the authenticity of the original flows. This raises the need for energy-effective and secure schemes that enable the destination to validate aggregated network flows. In this regard, a lightweight homomorphic signature scheme is proposed which supports the implementation of aggregation procedures without affecting the verification process. We demonstrate the unforgeability and the privacy of our scheme. We also perform an analytical study of its energy-efficiency. The results suggest that the proposed scheme considerably decreases the processing overhead of the existing set-homomorphic signature schemes. Moreover, it does not add any communication overhead to traditional (non-homomorphic) signature schemes. This, in turn, improves the energy consumption by 30% compared to existing homomorphic signature techniques.

In recent years, due to their frequent use and widespread use, IoT (Internet of Things) devices have become an attractive target for hackers. As a result of their limited network resources and complex operating systems, they are vulnerable to attacks. Using a honeypot can, therefore, be a very effective way of detecting malicious requests and capturing samples of exploits. The purpose of this article is to introduce honeypots, the rise of IoT devices, and how they can be exploited by attackers. Various honeypot ecosystems will be investigated further for capturing and analyzing information from attacks against these IoT devices. As well as how to leverage proactive strategies in terms of IoT security, it will provide insights on the attack vectors present in most IoT systems, along with understanding attack patterns.

A Tangible User Interface (TUI) is a new interaction option that uses nontraditional input and output elements. A tangible interface thus allows the manipulation of physical objects using digital information. The exploration and manipulation of physical objects is a factor to be considered in learning in children, especially those with some kind of disability such as hearing, who maximize the use of other senses such as vision and touch. In a tangible interface, three elements are related - physical, digital and social. The potential of IoT for children is growing. This technology IoT integrated with TUI, can help for that parents or teachers can monitoring activities of the child. Also to identify behavior patterns in the child with hearing impairment. This article shows four case studies, where had been designed different products of Internet of Things Tangible applied a several contexts and with products of low cost.

Reliability is essential in industrial networks. In addition, most of the data from nodes of industrial Internet of Things (IIoT) are generated in real time. Thus, those data are mainly used for the time-sensitive applications. Furthermore, device failures should be considered when modeling reliable fog computing for IIoT. In this paper, we provide fundamental aspects to model reliable fog computing for IIoT. First, existing models of fog computing are compared. Then, the most feasible communication type to achieve a reliable system is determined from model analysis. Interaction modes are elaborated to study the advantages and drawbacks when communication is deployed in fog computing for IIoT, and challenges and solutions for reliable fog computing are discussed.

Spatial Data Infrastructures (SDI) established during the past two decades ’unlocked’ heterogeneous geospatial datasets. The European Union INSPIRE Directive laid down the foundation of a pan-European SDI where thousands of public sector data providers make their data available for cross-border and cross-domain reuse. At the same time, SDIs should inevitably adopt new technology and standards in order to remain fit for purpose and address in the best possible way the needs of different stakeholders (government, businesses and citizens). Some of the recurring technical requirements raised by SDI stakeholders include (i) the need for adoption of RESTful architectures, together with (ii) alternative (to GML) data encodings, such as JavaScript Object Notation (JSON) and binary exchange formats, and (iii) adoption of asynchronous publish-subscribe-based messaging protocols. The newly established OGC standard SensorThings API is particularly interesting to investigate for INSPIRE, as it addresses together all three topics. In this manuscript, we provide our synthesised perspective on the necessary steps for the OGC SensorThings API standard to be considered as a solution that meets the legal obligations stemming out of the INSPIRE Directive. We share our perspective on what should be done concerning (i) data encoding, and (ii) the use of SensorThings API as a download service.

This article presents the results of a cross-disciplinary applied study exploring investors’ protections in the context of distributed ledger technology (DLT) smart contracts. Fusing legal, business, and technical perspectives, we developed a framework for protection from non-commercial risks for stablecoins, taking advantage of DLT and AI. A key concept we propose is the monitoring of disinformation and fake news to prevent malicious parties from abusing our solution. Based on the similarities between central bank digital currencies (CBDCs) and stablecoins, we propose scaling up our results to all future internet investments performed without face-to-face contact between the investor and the company.

This paper proposes a solution for the development of microclimate monitoring for Low Voltage / High Voltage switchgear using the PRTG Internet of Things (IoT) platform. This IoT-based real time monitoring system can enable predictive maintenance to reduce the risk of electrical station malfunctions due to unfavorable environmental conditions. The combination of humidity and dust can lead to unplanned electrical discharges along the isolators inside a low or medium voltage electric table. If no predictive measures are taken, the situation may deteriorate and lead to significant damage inside and outside the switchgear cell. Thus, the mentioned situation can lead to unprogrammed maintenance interventions that can conduct to the change of the entire affected switchgear cell. Using a low-cost and efficient system, the climate conditions inside and outside the switchgear is monitored and transmitted remotely to a monitoring center. From the results obtained using a 365-day time interval, we can conclude that the proposed system is integrated successfully in the switchgear maintaining process, having as result the reducing of maintenance costs.

In this paper, we propose a lightweight physical layer aided authentication and key agreement (PL-AKA) protocol in the internet of things (IoT). Conventional evolved packet system AKA (EPS-AKA) used in long-term evolution (LTE) systems may suffer from congestions in core networks by the large signaling overhead as the number of IoT devices increases. Thus, in order to alleviate the overhead, we consider a cross-layer authentication by integrating physical layer approaches to cryptography-based schemes. To demonstrate the feasibility of the PL-AKA, universal software radio peripheral (USRP) based tests are conducted as well as numerical simulations. The proposed scheme shows a significant reduction in signaling overhead compared to the conventional EPS-AKA in both simulation and experiment. Therefore, the proposed lightweight PL-AKA has the potential for practical and efficient implementation of large-scale IoT networks.

This paper aims to provide an evaluation of how Value Added Tax (VAT) policy alterations influence market liquidity, trading volume, and stock performance. To fill the existing literature gap on the direct effect of (VAT) adjustments on stock market dynamic, particulate within the banking industry. The study employs an event study methodology to analyse the immediate and medium-term effects on bank stocks listed in markets subject to a (VAT) adjustments. The core of the study analysis is anchored around two pivotal events, the initial application of (VAT) on 1st January 2018, and the subsequent (VAT) increase to 15% on 1st July 2020 using MATLAB R2022b. The study analysis encompasses the period immediately before and after the introduction and subsequent increase (VAT) in kingdom Saudi Ariba (KSA) employing an eleven sample comprises the (KSA) largest banks with a ±7 days window period from the event. The analysis revels that the imposition of 5% (VAT) lead a substation downturn in trading volume and stock returns of 9.5%, and 39.5%, subsequently. While when the (VAT) was increased by 15% the market exhibited a mixed but ultimately positive response of 3.3% trading volumes increases and 128.7% average stock return recovery.

The present research endeavours to examine the impact of customers' perceptions regarding a firm's dedication to corporate social responsibility (CSR) on their allegiance to particular banking brands. The mediating factors of brand credibility and image help to facilitate the indirect relationship between corporate social responsibility (CSR) and brand equity, which is the focus of this study. The objective of the research is to investigate the plausible causal association among perceived corporate social responsibility, brand image, brand credibility, and brand equity. The study's data was obtained by conducting a survey among a sample of 320 banking customers in Ethiopia. In order to perform a thorough examination of the data, AMOS version 24.0 and structural equation modelling (SEM) methodologies were employed. The present research endeavours to broaden the conventional comprehension of the advantages that corporate social responsibility (CSR) offers to customers. It aims to address a void in the current literature by scrutinising the impacts of customers' perceptions of CSR, brand credibility, and brand image on their allegiance towards particular banking service brands. The findings of this study carry substantial implications for financial institutions, and the conclusions derived from the results are of considerable significance.

Development of agriculture in Russia and Belarus is based on the practical implementation of "smart" systems in agriculture based on the use of modern wireless, intelligent technologies and Internet of Things. This review presents research articles (mainly, in Russian) published in the period of 2013 – 2022 on the use of cloud technologies and Internet of Things for the development of agriculture in Russia and Belarus. An analysis of the use of cloud technologies and Internet of Things in the modern world is given on the basis of research articles and reviews published in English in the period of 2017 – 2022. The main directions of digitalization of modern agriculture are listed. The uses of cloud technologies and Internet of Things in agriculture are described along with promising directions for further research and applications.

Fintech facilitates financial inclusion by introducing new sustainable and accessible business models in developing countries. Open banking API technology is used by various fintech businesses in both developing and developed countries, with varying effects on financial markets. It changes the financial market distribution structure by separating financial product manufacturing and distribution and intensifying competition between traditional financial institutions and fintech companies. Fintech companies innovate by using this tool to create new business models. In December 2019, Korea established a standardized "open banking API platform," sharing an interbank payment network with fintech companies. It has since shown explosive growth, surpassing the trading volume of the UK, the country that introduced open banking APIs for the first time. This study analyzes new business models fintech companies created using this API technology. Based on existing literature, statistics from the platform operator (the Korea Financial Telecommunications and Clearings Institute), and investigations of 30 Korean fintech mobile applications, this study analyzes new fintech business models that provide financial services using this platform. These companies create sustainable business models by combining multiple APIs. Four representative business models (simple funds transfer, simple payment, cross-border remittance, and asset management) are analyzed to reveal how fintech companies create business models with open APIs.