by Li Sze-Ming, Tam Ming-Yan. / Thesis (M.B.A.)--Chinese University of Hong Kong, 2001. / Includes bibliographical references (leaves 93-100). / ABSTRACT --- p.ii / TABLE OF CONTENT --- p.iii / CHAPTER / Chapter I. --- INTRODUCTION --- p.i / Chapter I.I. --- Hong Kong and Shanghai Banking Corporation's Announcement --- p.1 / Chapter I.II. --- Banking Industry Revolution --- p.4 / Chapter I.III. --- Major Issues --- p.6 / Chapter I.IV. --- Services Fees --- p.7 / Chapter II. --- BANK FEES AND FUTURE IMPLICATIONS --- p.8 / Chapter II.I. --- Should The Banks Impose Services Fees/Charges? --- p.8 / Chapter II.I.I. --- Analysis of Big Banks --- p.9 / Chapter II.I.I.I. --- Stagnant Growth in Banking Industry --- p.11 / Chapter II.I.I.II. --- Interest Rate Deregulation --- p.16 / Chapter II.I.I.III. --- Deposit Insurance Schemes --- p.19 / Chapter II.I.I.IV. --- Technology Advancements --- p.21 / Chapter II.I.II. --- Analysis of Medium and Small Banks --- p.24 / Chapter II.I.II.I. --- Excess Capacity --- p.28 / Chapter II.I.II.II. --- """Human"" Banking" --- p.31 / Chapter II.I.II.III. --- Deposit Insurance Scheme --- p.32 / Chapter II.II. --- How Should Fees Be Charged? --- p.34 / Chapter II.II.I. --- What Are The Criticisms? --- p.34 / Chapter II.II.I.I. --- Social Responsibilities --- p.34 / Chapter II.II.I.II. --- Commodity --- p.35 / Chapter II.II.I.III. --- Self-Servicing Facilities is Not for Everyone --- p.26 / Chapter II.II.I.IV. --- Specific Roles --- p.36 / Chapter II.II.I.V. --- Social Stratification --- p.37 / Chapter II.II.II. --- Who Could Bear the Charge? --- p.37 / Chapter II.II.III. --- What are the Fees Strategies? --- p.38 / Chapter II.II.III.I. --- Raising Existing Fees --- p.38 / Chapter II.II.III.II. --- Inventing New Fees --- p.39 / Chapter II.II.III.III. --- Making It More Difficult To Avoid Fees --- p.39 / Chapter II.II.IV. --- What Should Be the Pricing Structures? --- p.40 / Chapter II.II.IV.I. --- One-Size-Fits-All Approach --- p.40 / Chapter II.II.IV.II. --- Pay-As-You-Go Approach --- p.41 / Chapter II.II.IV.III. --- Tiered Interest Rate Scheme --- p.42 / Chapter II.III. --- Future Development of Banking Industry --- p.46 / Chapter II.III.I. --- Markets Segmentations --- p.46 / Chapter II.III.II. --- Merger and Acquisition --- p.48 / Chapter II.III.III. --- Fees-Oriented Market --- p.49 / Chapter II.III.IV. --- Customer-Value Focus --- p.51 / Chapter II.III.V. --- Branches Reform --- p.52 / Chapter II.III.VI. --- Self-Servicing Facilities --- p.53 / Chapter II.III.VII. --- Posts Offices --- p.54 / Chapter III. --- SUMMARY AND CONCLUSION --- p.55 / APPENDIX --- p.57 / Chapter 1 --- HSBC'S NEW SERVICES AND CHARGES POLICY --- p.58 / Chapter 2 --- A COMPARISON OF BANKING SERVICE FEES OF BIG BANKS --- p.65 / Chapter 3 --- A COMPARISON OF BANKING SERVICE FEES OF MEDIUM AND SMALL BANKS --- p.70 / Chapter 4 --- A COMPARISON OF SMALL DEPOSIT ACCOUNT INTEREST RATES AND FEES --- p.91 / BIBLIOGRAPHY --- p.93

Submitted by Johnny Rodrigues (johnnyrodrigues@ufcg.edu.br) on 2018-05-09T19:09:21Z No. of bitstreams: 1 ANA CRISTINA ALVES DE OLIVEIRA DANTAS - TESE PPGCC 2015..pdf: 7095339 bytes, checksum: 1129b2ebd21ae60871fd33c142249912 (MD5) / Made available in DSpace on 2018-05-09T19:09:21Z (GMT). No. of bitstreams: 1 ANA CRISTINA ALVES DE OLIVEIRA DANTAS - TESE PPGCC 2015..pdf: 7095339 bytes, checksum: 1129b2ebd21ae60871fd33c142249912 (MD5) Previous issue date: 2015-11-30 / A computação em nuvem define uma infraestrutura virtual para prestação de serviços em rede sob demanda. Os clientes contratam serviços em que a infraestrutura primária de hardware e software encontra-se em centros de dados remotos e não localmente e sobre seu próprio domínio. Há uma necessidade de ferramentas de monitoramento regulatório, que possam operar dentro da infraestrutura do provedor, ou fora dele, deixando os clientes a par do estado atual ou do histórico do desempenho dos serviços contratados. A computação em nuvem é fortemente dependente das redes computadores e o desempenho dos serviços em nuvem pode ser monitorado via métricas de rede. O conhecimento de métricas de desempenho sobre a execução dos serviços contribui para promover a relação de confiança entre cliente e provedor, bem como fornece subsídios para contestações em faturas, caso necessário. Um modelo detarifaçãoconfiável envolve a disponibilização de métricas de desempenho dos serviços contratados, de modo que o cliente possa aferir as tarifas cobradas. Clientes e provedores podem alternar papeis em diferentes níveis de prestação de serviços de computação em nuvem. Um cliente no nível de infraestrutura pode ser um provedor de dados, por exemplo. Um modelo de tarifação confiável fornece subsídios também ao provedor de serviços para melhorar a alocação de recursos, bem como indicadores para investimentos em infraestrutura que evitem perdas financeiras causadas pelo pagamento de multas por descumprimento de acordo de nível de serviço. O objeto desta tese de doutorado é desenvolver um modelo para tarifação confiável de serviços de computação em nuvem que envolva a detecção e notificação de anomalias de tráfego de rede em tempo real que auxilie na estimativa do custo causado por tais anomalias para o modelo de negócio e que contribua para um processo de alocação de recursos capaz de reduzir custos com penalidades financeiras. A validação do modelo foi realizada por meio de escalonamento de recursos baseado em custo. O modelo de tarifação confiável integrado ao mecanismo de escalonamento reduziu custos e perdas financeiras provenientes de violações de acordos de nível de serviço. / Cloud computing defines a virtual infrastructure to provide network services on demand. Customers contract services where the primary infrastructure of hardware software is in remote data centers and on the customer own domain. Sharing the same network, or the same physical machine, amongvarious tenants entails some concerns related to information confidentiality, security, troubleshooting, separation of responsibilities for guaranteeing the quality of the technical goals across the different abstraction levels, and how the customer may monitor the use of services and eventual failures. Prior to cloud computing, allowed the service providers dominate the entire chain of information, providing information to enable them to manage the business globally to avoid financial losses and increase profits. With the use of cloud computing services, the customer possesses no control over levels virtualization services that are supporting the level you are operating. A client in infrastructure level can be a data provider, for instance. Thus, it is important to have appropriate tools to keep track of the performance of the contracted services. Cloud computing is heavily dependent on computer networks. In this sense, it is abusiness differential to provide network performance metrics either for the customers, which is an important non-functional requirement that is sometimes ignored by many cloud service providers. The disposal of real-time performance metrics contributes to promote trust relationship between customer and provider, and to aid the provider to better dimension resources to avoid finacial losses. The object of this doctoral thesis is to develop a model for reliable charging of cloud computing services cloud that accomplishes the network traffic anomaly detection and appropriate notification in real time, as well as enables the estimation of the cost caused by anomalies to business model.

Thesis (MPA.) -- University of Limpopo, 2021 / The aim of this study was to assess the impact and the effect of non–payment of municipal services on service delivery in the Elias Motsoaledi Local Municipality. The municipalities as the lowest part of Government are responsible for delivering basic services like water supply, electricity, road maintenance, refuse collection and sanitation to communities. Legislation permits municipalities to charge for services rendered. The study adopted the qualitative and quantitative research methods for data collection and analysis. Households in the selected villages (Motetema, Tambo and Groblersdal), were randomly selected to participate in the study and also the officials from the Elias Motsoaledi Local Municipality. Non-payment of municipal services is a great challenge in South African local government and threaten the financial viability and proper service delivery. Communities are protesting daily in service delivery outcries. The municipalities are struggling to collect revenue; they basically depend on the grants from the national Treasury. This dissertation probes the nature of non-payment of municipal services, its impact on service delivery and the methods used to tackle non-payments and to recommend the workable solutions. The findings of this study reveal that indeed revenue collection and non-payment of municipal service charges is a challenge in Elias Motsoaledi Local Municipality and it is having a dire impact on effective service delivery. This is due to unwillingness to pay for service charges, unemployment, poor quality services, low income amongst other challenges. Thus, the municipality is unable to generate adequate revenue to deliver better services. The study, therefore, gives recommendations on how the Municipality can improve revenue collection and mitigate non-payment of service charges