Search results

This paper aims to critically assess digital finance as a pro-poor intervention in the development finance space.

Using critical policy discourse analysis, this paper explains the turn from microfinance to digital finance, and thereafter discusses four issues: the lack of evidence that digital finance for poor people actually promotes socioeconomic development; the risks that poor people are exposed to, which arises from their exposure to digital finance technology; the lack of evidence that digital finance actually brings poor people immediate benefits; and the weak business rationale for digital finance.

The expectation for digital finance serving as a major pro-poor private sector intervention lacks justification.

The paper reflects on the effect of digital finance for poor people.

The present study is intended to assess the risk factors associated with digital buying. Also aims to design and develop an instrument to assess the digital buyers risk factor score (DBRFS) in light of pandemic.

Present investigation uses a quantitative approach to achieve the stated objectives. The survey instrument for the purpose of assessing risk factors associated with digital buying was developed in two phases. The present study adopts theory of planned behaviour (TPB), built based on the theory of reasoned action (TRA). The data were collected and analysed considering 500 valid responses, sampling unit being digital buyers using social media platforms in tyre-II city of India. The data collection was undertaken between June 2021 and August 2021. The instrument is designed and validated using exploratory factor analysis (EFA) followed by confirmatory factor analysis (CFA).

The present research identified six perceived risk factors that are associated with digital buying; contractual risk, social risk, psychological risk, perceived quality risk, financial risk and time risk. The DBRFS of male is 3.7585, while female is 3.7137. Thus, risk taking by the male and female is at par. For the age group 15–30, DBRFS is 3.6761, while age group 31–45 noted as 3.7889 and for the 46–50 age groups it is measured as 3.9649.

The marketers are expected to have the knowledge about how people responds to the pandemic. The outcome of the research helps to understand consumer behaviour but disentangling consumer’s “black box” is challenging especially during global distress. The present study outcome helps the digital shopkeepers to respond positively to meet the needs of digital buying.

The scale development and to quantify the DBRFS. A deeper understanding of about digital consumers during pandemics will help digital shopkeepers to connect issues related digital buying.

The study aims to analyze the different types of risks related to the use of technology and determine their positive or negative influence on teachers' motivation and behavioral intention to use digital tools.

The research is based on survey data from 200 teachers in the Romanian preuniversity education system. The data analysis followed a four-step approach, using a partial least squares structural equation modeling (PLS-SEM) model for hypothesized relationships among research concepts and a PLS prediction-oriented segmentation (POS) procedure.

This study showed that increased risk awareness influences both motivation and, consequently, the intention to adopt digital tools in the preuniversity education system.

The scope of research remains constrained with regard to the examined population, considering the substantial number of teachers within the preuniversity education system. Another limit lies in the basic classification of identified risk types.

School managers should design a strategy to increase the level of motivation for integrating digital tools in the educational process.

Little scholarly attention has been devoted to investigating the risks associated with digitalization in the preuniversity education system. In addition, no prior research has been conducted to assess the influence of risk perception on people's motivation and intention to use digital tools in preuniversity education.

This research explores the implications for risk management of “People Risk.” In particular how online digital behaviors, particularly from young people entering the workplace for the first time, might impact on the work setting and how risk management might mitigate impact on the employee and organization.

A mixed methods approach was used to consider these implications and draws from a number of data sources in the United Kingdom including a database of self-review data around online safety policy and practice from over 2000 schools, a survey of over 1000 14–16 year olds and their attitudes toward sexting, and a survey of over 500 undergraduate students. In addition the work considers existing risk management approaches and the models therein and how they might be applied to people risk.

The dataset analyzed in this exploration show an education system in the United Kingdom that is not adequately preparing young people with an awareness of the implications of digital behavior in their lives and the survey data shows distorted social norms that might have serious consequences in the workplace.

This research should raise concerns for managers in the workplace who need to be aware of the changes in “normal” behavior and how these potentially harmful practices may be mitigated in the workplace.

The research provides a strong evidence base for a change in “acceptable” social behavior by children and young people alongside an education system not promoting effective awareness. These two datasets combined highlight potential new risks to the workplace.

In current times, organizations operating in emerging economies are providing digital services to its citizen the internet. Literature indicates that digital services are facing major challenges with respect to its adoption among users groups due to the perceived risks.

With the use of generalized analytic network process (GANP), prioritization of different dimensions of risk has been done on the basis of an empirical survey among user groups in India.

The result indicates that dimensions like privacy risk, performance risk and financial risk are more important risks across digital services models. However, physical risk, social risk, psychological risk and time risk are comparatively less important risks across digital services. This research also finds out that the end users are reluctant to provide their personal information.

The sample size is relatively small which limits generalizability of results beyond India. However, an application of GANP has been showcased for empirical research.

The research outcome can help managers in deciding which dimensions of risk are more important for digital service delivery and thus facilitate adoption.

This paper focused on the different facets of risk perceived by consumers, toward the digital services available in smart cities. Perceived risk dimensions such as privacy risk, performance risk, financial risk, physical risk, social risk, psychological risk and time risk have shown that there is a need to prioritize these risks to the digital services which is offered to the residents of the smart cities.

The risks associated with digital innovation increasingly challenge value co-creation among stakeholders within the innovation ecosystem. Stakeholder collaboration is helpful in preventing risk occurrence. This study intends to explore the effects of different stakeholder collaboration strategies on risk prevention performance in a digital innovation ecosystem context.

A systematic literature analysis was first conducted to identify risk factors of digital innovation based on the technology–organization–environment (TOE) framework. Then, a bidimensional network model was constructed to visualize the collaborative relationships among stakeholders and the identified risks by focusing on a digital innovation case. The social network analysis method was applied to design stakeholder collaboration strategies from the ego and global network perspectives, and a simulation approach was conducted to evaluate the effects of the strategies on risk prevention performance.

The results validate the positive effect of stakeholder collaboration on risk prevention performance and reveal the important role of network reachability in formulating collaboration strategies. The strategy of strong–strong collaboration strategy can best enhance risk prevention performance like a “Matthew effect” in the digital innovation ecosystem.

First, risk identification based on the TOE framework provides a systematic list of risk factors for future digital innovation risk management research. Second, this study designs stakeholder collaboration strategies from a network perspective to enhance the understanding of the network status of each stakeholder and the network structure of the digital innovation ecosystem. Third, the simulation results reveal the effects of different collaboration strategies on risk prevention performance.

To describe INFORM, a new methodology for investigating and measuring the risk factors of digital formats and providing guidelines for preservation action plans.

Construction of a model which aims to discover specific threats to preservation and measure their possible impact on preservation decisions. The methodology defines: risk categories of digital formats and their dependencies; risk factors for each category; scales to measure probability of occurrence and impact; and methods to collect, report and interpret the results.

While individuals are biased and subjective in their aversion to risk, collating the assessments of many individuals should generate group‐consensus or group‐averaged objective results. Hence, preservation plans can be based on objective analysis of risk trends instead of individuals’ opinions developed in the relative isolation of their institutions. The methodology takes into consideration individuals’ aversion to risk, therefore refraining from imposing specific courses of action, but simply making suggestions of possible actions.

A comprehensive approach to the format assessment must also consider, in addition to the risk factors, two other considerations, reflecting the quality of the digital format specification: significant properties of the format under consideration; the features of the format as defined in the format specification. These two aspects will be defined at a later time.

Digital archives, institutional repositories and digital libraries can take advantage of the measurements offered by the INFORM method to select digital formats most apt for long‐term viability. Moreover, by repeating the process, involved parties can detect changes in the threat model over time, to which digital collections managers can act accordingly.

Risk management has been previously used to detect the potential of loss of web resources and has been inspirational to this author. However, this method is the first to use risk factors to measure digital preservation viability of digital formats. The results of the measurements described here can be used by: content creators and publishers, to suggest best formats to use; content curators, to restrict what is collected; content managers, to know in advance how difficult to handle a certain collection may be; and preservation planners, to define and implement preservation plans, in the form of either, migration strategies or short‐term emulation solutions.

This paper uses the GB/T20984-2007 multiplicative method to assess the information security risk of a typical digital library in compliance with the principle and thought of ISO 27000. The purpose of this paper is to testify the feasibility of this method and provide suggestions for improving information security of the digital library.

This paper adopts convenience sampling to select respondents. The assessment of assets is through analyzing digital library-related business and function through a questionnaire which collects data to determine asset types and the importance of asset attributes. The five-point Likert scale questionnaire method is used to identify the threat possibility and its influence on the assets. The 12 respondents include directors and senior network technicians from the editorial department, comic library, children’s library, counseling department and the learning promotion centre. Three different Guttman scale questionnaires, tool testing and on-site inspection are combined to identify and assess vulnerabilities. There were different Guttman scale questionnaires for management personnel, technical personnel and general librarian. In all, 15 management librarians, 7 technical librarians and 72 ordinary librarians answered the vulnerability questionnaire. On-site inspection was conducted on the basis of 11 control domains of ISO 27002. Vulnerabilities were scanned using remote security evaluation system NSFOCUS. The scanning covered ten IP sections and a total of 81 hosts.

Overall, 2,792 risk scores were obtained. Among them, 282 items (accounting for 10.1 per cent of the total) reached the high risk level; 2 (0.1 per cent) reached the very high risk level. High-risk items involved 26 threat types (accounting for 44.1 per cent of all threat types) and 13 vulnerability types (accounting for 22.1 per cent of all vulnerability types). The evaluation revealed that this digital library faces seven major hidden dangers in information security. The assessment results were well accepted by staff members of this digital library, which testified to the applicability of this method to a Chinese digital library.

This paper is only a case study of a typical Chinese digital library using a digital library information security assessment method. More case-based explorations are necessary to prove the feasibility of the assessing strategy proposed in this study.

Based on the findings of recent literature, the authors found that very few researchers have made efforts to develop methods for calculating the indicators for digital library information security risk assessment. On the basis of ISO 27000 and other related information security standards, this case study proposed an operable method of digital library information security risk assessment and used it to assess a the information security of a typical Chinese digital library. This study can offer insights for formulating a digital library information security risk assessment scale.

With increasing complexity of construction projects and new construction processes and methods are adopted, more safety hazards are emerging at construction sites, requiring the application of the modern risk management methods. As an emerging technology, digital twin has already made valuable contributions to safety risk management in many fields. Therefore, exploring the application of digital twin technology in construction safety risk management is of great significance. The purpose of this study is to explore the current research status and application potential of digital twin technology in construction safety risk management.

This study followed a four-stage literature processing approach as outlined in the systematic literature review procedure guidelines. It then combined the quantitative analysis tools and qualitative analysis methods to organize and summarize the current research status of digital twin technology in the field of construction safety risk management, analyze the application of digital twin technology in construction safety risk management and identify future research trends.

The research findings indicate that the application of digital twin technology in the field of construction safety risk management is still in its early stages. Based on the results of the literature analysis, this paper summarizes five aspects of digital twin technology's application in construction safety risk management: real-time monitoring and early warning, safety risk prediction and assessment, accident simulation and emergency response, safety risk management decision support and safety training and education. It also proposes future research trends based on the current research challenges.

This study provides valuable references for the extended application of digital twin technology and offers a new perspective and approach for modern construction safety risk management. It contributes to the enhancement of the theoretical framework for construction safety risk management and the improvement of on-site construction safety.

Based on the poll’s results, the financial services sector is now on the edge of a digital revolution. Financial institutions are undergoing a period of radical change due to technological advancements in the digital sphere. The widespread use of cutting-edge digital technologies in the real world has accelerated the shift from the conventional economy to the digital economy. Total operational risk as a percentage of total bank capital was 0.65%, which is below the minimum permitted figure. This metric allows for the diversification of company risks. This chapter proposes a novel, future-oriented strategy for studying financial crises, expanding the digital transformation research agenda across disciplines. Accordingly, the authors simulated the study object’s operational risk using an optimal approach to measurements (AMA) in accordance with Basel II (Santander Bank). The study’s findings enabled the authors to determine whether or not the value was necessary for Santander Bank to bear in the next years by calculating the overall value of operational risks and evaluating the indicator’s acceptability relative to the bank’s capital.