Yes / Purpose: Digital Financial Services (DFS) have substantial prospect to offer a number of reasonable, appropriate and secure banking services to the underprivileged in developing countries through pioneering technologies such as mobile phone based solutions, digital platforms and electronic money models. DFS allow unbanked people to obtain access to financial services through digital technologies. However, DFS face tough challenges of adoption. Realising this, the aim of this paper is to identify such challenges and develop a framework. Design/Methodology/Approach: We develop a framework of challenges by utilising Interpretive Structural Modelling (ISM) and Fuzzy MICMAC approach. We explored eighteen such unique set of challenges culled from the literature and further gathered data from two sets of expert professionals. In the first phase, we gathered data from twenty-nine professionals followed by eighteen professionals in the second phase. All were pursuing Executive MBA programme from a metropolitan city in South India. The implementation of ISM and fuzzy MICMAC provided a precise set of driving, linkage and dependent variables that were used to derive a framework. Findings: ISM model is split in eight different levels. The bottom level consists of a key driving challenge V11 (i.e. high cost and low return related problem) whereas the topmost level consists of two highly dependent challenges namely V1 (i.e. risk of using digital services) and V14 (i.e. lack of trust). The prescribed ISM model shows the involvement of ‘high cost and low return related problem (V11)’, which triggers further challenges of DFS. Originality/value: None of the existing research has explored key challenges to DFS in detail nor formulated a framework for such challenges. To the best of our knowledge, this is the first paper on DFS that attempts to collate its challenges and incorporate them in a hierarchical model using ISM and further divide them into four categories of factors using fuzzy MICMAC analysis.

Includes supplemental material. / Disaster relief operations, such as the 2005 Tsunami and Hurricane Katrina, and wartime operations, such as Operation Enduring Freedom and Operation Iraqi Freedom, have identified the need for a standardized command and control system interoperable among Joint, Coalition, and Interagency entities. The Systems Engineering Analysis Cohort 9 (SEA-9) Rapid Response Command and Control (R2C2) integrated project team completed a systems engineering (SE) process to address the military’s command and control capability gap. During the process, the R2C2 team conducted mission analysis, generated requirements, developed and modeled architectures, and analyzed and compared current operational systems versus the team’s R2C2 system. The R2C2 system provided a reachback capability to the Regional Combatant Commander’s (RCC) headquarters, a local communications network for situational assessments, and Internet access for civilian counterparts participating in Humanitarian Assistance/Disaster Relief operations. Because the team designed the R2C2 system to be modular, analysis concluded that the R2C2 system was the preferred method to provide the RCC with the required flexibility and scalability to deliver a rapidly deployable command and control capability to perform the range of military operations.

Les architectures de communication avionique actuelles impliquent un poids et des coûts d'intégration importants à cause de la quantité croissante du câblage et des connecteurs utilisés. Afin de répondre à ces besoins émergents, nous avons proposé dans cette thèse l'intégration des technologies sans fil dans le contexte avionique comme principale solution pour diminuer le poids et la complexité dus au câblage. Tout d’abord, nous avons conçu un réseau avionique de secours basé sur la technologie HRUWB, implémentant un protocole d'arbitrage TDMA et des divers mécanismes de fiabilité pour garantir les exigences de déterminisme et de sûreté. Par la suite, nous avons procédé à l'évaluation des performances de notre proposition en termes de délais en se basant sur des méthodes analytiques. Par ailleurs, nous avons étudié différentes solutions afin d’améliorer les marges d'évolutivité et de fiabilité du système. Enfin, nous avons validé notre réseau proposé à travers une étude de cas avionique réaliste; et les résultats obtenus ont mis en évidence la capacité de notre proposition à garantir les exigences du système en termes de déterminisme et de fiabilité. / The current avionics communication architecture inherits significant weight and integration costs due to the increasing quantity of wires and connectors. In addition, avionics interconnects are still subject to structural failure and fire hazard which decrease reliability and ramify the maintenance. To cope with these arising issues, integrating wireless technologies in avionics context is proposed in this thesis as a main solution to decrease the wiring-related weight and complexity.To achieve this aim, we design an alternative backup avionic network based on HR-UWB technology implementing a TDMA arbitration protocol and various reliability mechanisms to guarantee predictability and reliability requirements.Afterwards, we conduct analytical performance evaluation of our proposal in terms of delays. Moreover, we investigate different solutions to reach further enhancements on the system scalability and reliability.Finally, the validation of our proposal through a realistic avionics case study has been conduced, and the obtained results highlight its ability to guarantee the system requirements in terms of predictability and reliability.

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以往顧客服務對企業而言只是被動的支援單位，企業無法得知每一位顧客的想法，顧客的聲音也難以傳達到企業內部，然而資訊與通訊技術的進步打破了這樣的障礙，促使資訊透明化，企業藉由資訊科技的輔助可以直接接觸到每一個個別的顧客，了解顧客的想法與需求來帶動企業的運作，成為企業經營的競爭優勢。 顧客關係管理（customer relationship management；CRM）為近年新興熱門話題，國內外軟體大廠紛紛投入CRM市場，然而此環境尚未成熟，各家提出之系統功能相當不一致，本文提出企業在建置顧客關係管理環境時應具備七大單元，包括產品端資訊蒐集機制、互動機制、事件處理機制、儲存分析機制、內部鏈結機制、策略對應機制、回饋執行機制等，以供企業參考。 CRM重視區別出每一個個別顧客的屬性再提供客製化服務，本文針對北部某醫院進行訪談，探討其規劃中之CRM及進行狀況，驗證本文所提出模式之可行性。 / Because of the power of information and telecommunications technologies, business can keep tracking of their customers to know what they really want and how they actually use the product. Analyzing the information return from customers and products, business can provide active and accurate service to the right customer through the right channel at the right time and rise the customer satisfaction. 　The purpose of this article is to show a complete CRM model which includes product information collecting mechanism, interact mechanism, event processing mechanism, storage and analysis mechanism, internal linkage mechanism, decision support mechanism, feedback implementing mechanism. When business constructs the CRM environment, they can apply this model to their organization. 　This article also studies a hospital case and plans a future framework for it by applying the model.

This diploma thesis deals with wireless computer networks in a point of view security. It contains security principles and standards used in these networks. It shows failings of old security methods in contras of new standards. The result of the thesis is a design of the metropolitan network and its realization. In this network appropriate solutions of security are used. The last part of the thesis deals with a design of web applications created in the PHP programming language and SQL database system.

In order to minimize greenhouse gas emissions and operational cost related to the ICT-infrastructure the power management method of a Radio Base Station (RBS) or Base Transceiver Station (BTS) at Ericsson is studied and modelled. The major load demand at RBS’s are due to uplink and downlink data traffic. Ericssons RBS’s contains power resources and energy storage systems that are controlled by a power controller module in order to meet load demand. Such power resources may be AC-grid, generator and photovoltaic cells etc. Using a certain power resource entails a distinct cost and emission. This thesis investigates the influence that the power controller logic has on cost and emission using two frameworks. One framework models the power resource management in the form of a hybrid dynamical system. Using this framework a new management policy is investigated and compared with the current management policy. The second framework investigates the usage of MPC for controlling the power sources during operation. Using this framework a third management policy is introduced and compared with the current implementation. The performance of the three management policies are compared by simulating a standard RBS operation scenario. The results show that during a RBS scenario where the grid will never fail the third management method using MPC outperforms the other two management policies. In the RBS scenario that the grid may fail the second management method outperforms the current implementation. The implication of these results may be that during a scenario of no grid failure it is more advantageous to decrease emission and cost by using a supervisory control method. During a scenario where grid failure may occur using the second management method, where battery is used as more than just a back-up unit, is more advantageous for decreasing emission and cost. / För att minimera utsläpp av växthusgaser och driftskostnader inom ICT-infrastrukturen studeras och modelleras effekt-hanteringen för en radiobasstation (RBS) eller Base Transceiver Stations (BTS) på Ericsson. Det stora belastningsbehovet hos en RBS beror på upplänk och nedlänksdatatrafik. Ericssons RBS innehåller kraftresurser och energi lagringssystem som styrs av en effektkontrollmodul för att möta lastbehovet. Sådana kraftresurser kan vara AC-nät, generator eller solceller etc. Användandet av en viss kraftresurs medför en distinkt driftkostnad och utsläpp. Detta examensarbete undersöker effekten som kontrollmodulens logik har på kostnad och emission genom två tillvägagångssätt. Ett tillvägagångssätt modellerar effekt-hanteringen i form av ett hybrid dynamiskt system. Med detta tillvägagångssätt utreds en ny resurs förvaltningspolicy och jämförs med den nuvarande implementerade policyn. Det andra tillvägagångssättet undersöker användningen av MPC för att styra effekt-hanteringen under drift. Detta tillvägagångssätt leder till en tredje förvaltningspolicy som jämförs med den nuvarande implementerade policyn. Prestandan av de tre förvaltningspolicyerna jämförs genom att simulera olika scenarion av RBS-drift. Resultaten visar att under ett RBS-scenario där nätet aldrig kommer att förloras överträffar den tredje förvaltningspolicyn som använder MPC, de andra två förvaltningsmetoderna. I ett RBS scenario där nätet kan förloras överträffar den andra förvaltningsmetoden den nuvarande implementeringen. Resultaten tyder på att under ett scenario utan nätfel är det mer fördelaktigt för att minska utsläpp och kostnader genom att använda den tredje förvaltningsmetoden. Under ett scenario där nätfel kan inträffa är den andra förvaltningsmetoden, där batteriet används som mer än bara en reservenhet, mer fördelaktig för att minska utsläpp och kostnader.