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Personal mobile devices currently have access to a significant portion of their user's private sensitive data and are increasingly used for processing mobile payments. Consequently, securing access to these mobile devices is a requirement for securing access to the sensitive data and potentially costly services. The authors propose and evaluate a first version of a pan shot face unlock method: a mobile device unlock mechanism using all information available from a 180° pan shot of the device around the user's head – utilizing biometric face information as well as sensor data of built‐in sensors of the device. The paper aims to discuss these issues.

This approach uses grayscale 2D images, on which the authors perform frontal and profile face detection. For face recognition, the authors evaluate different support vector machines and neural networks. To reproducibly evaluate this pan shot face unlock toolchain, the authors assembled the 2013 Hagenberg stereo vision pan shot face database, which the authors describe in detail in this article.

Current results indicate that the approach to face recognition is sufficient for further usage in this research. However, face detection is still error prone for the mobile use case, which consequently decreases the face recognition performance as well.

The contributions of this paper include: introducing pan shot face unlock as an approach to increase security and usability during mobile device authentication; introducing the 2013 Hagenberg stereo vision pan shot face database; evaluating this current pan shot face unlock toolchain using the newly created face database.

After working through the case and assignment questions, students will be able to understand the following aspects:▪ how good strategic planning can convert a crisis into an opportunity;▪ importance of service excellence and customer satisfaction through customer delight and customer feedback; and▪ utilisation of resources and excellent time management strategies.

This case discusses how vital teamwork and motivated leadership can convert a crisis such as Covid-19 into an opportunity. This case study talks about Uttar Pradesh Metro Rail Corporation (UPMRC), a metro rail corporation working to develop metro trains in the Indian state of Uttar Pradesh. The case discusses how challenging it was for the metro rail corporation to transform its processes in a short period and deal with the crisis on major fronts such as facilities maintenance, human resource management, ensuring safety and security of its staff and riders, motivation of staff, service quality and maintaining all operational aspects. The case discusses how UPMRC is a leader on all fronts and has excelled in its operational work. It talks about what challenges the lockdown and unlocking phase posed in front of the leadership and how teamwork, dedication to exemplary service quality and customer satisfaction gave the team the strength to make changes that improved their processes and helped them overcome the crisis.The case starts with a discussion of metro rail inception and incorporation of UPMRC and then how this newly formed metro has to face the challenges of pre-lockdown period where the team worked very hard for sanitisation and safety. The lockdown created a completely different set of challenges related to the facilities and the entire metro train systems, which was a difficult situation to deal because of restrictions and other challenges. However, the team dealt with situations with strength and strategic planning, leading to better managed processes and staff. The unlocking phase also gave many challenges that the team handled with a lot of care and efficiency.

This case is suitable for post-graduate-level courses on services marketing, service operations management, general management, crisis management and strategic management. Participants can use the case to develop an understanding of strategic planning and management.This case can also be used in the executive education program for managers to encourage them to think through challenges faced by metro rail corporations.

Teaching notes are available for educators only.

CSS 10: Public Sector Management.

This paper aims to determine the implications of Covid-19 on the livelihood of marine fishermen. It gives a concrete picture of how vulnerable communities like marine fishermen are affected due to the lockdown policies. The paper examines these communities' present status and the extent of vulnerability during the post-Covid period.

The study uses an exploratory research design to find the solution to the research problem. 298 samples were collected and analysed within a sustainable livelihood theoretical framework. The scope of the study is limited to marine fishermen in Kerala, residing in six districts out of the nine coastal districts. The impact of the lockdown on income was analysed using paired t-test and results linked with the theory.

The study has done an empirical analysis for three periods: before lockdown, lockdown and after lockdown, to identify the impact of lockdown on marine fishermen. The study's significant findings are that these fishermen's livelihood is at risk during the post-lockdown period, and many families are moving into a “debt-trap”.

Policymakers can develop appropriate policy strategies to enhance the livelihood assets of vulnerable communities to include them in a sustainable framework.

Only a few studies are highlighting the impact of Covid-19 on vulnerable communities in India. The effects of climate change on the marine ecosystem are already endangering marine fisher folks' livelihoods. In this light, it is vital to study the extent of the impact of income shock on the livelihood assets of marine fishermen due to the lockdown policy implemented in the State to prevent the spread of Covid-19.

The peer review history for this article is available at: https://publons.com/publon/10.1108/IJSE-03-2023-0192

The purpose of this paper is to extract the user behaviour and transform it into a unique signature that can be used as implicit authentication technique. Smart devices are equipped with multiple authentication techniques and still remain prone to attacks because all of these techniques require explicit intervention of the user. Entering a pin code, a password or even having a biometric print can be easily hacked by an adversary.

In this paper, the authors introduce a novel authentication model to be used as complementary to the existing authentication models. Particularly, the duration of usage of each application and the occurrence time were examined and modelled into a user signature. During the learning phase, a cubic spline function is used to extract the user signature based on his/her behavioural pattern.

Preliminary field experiments show a 70 per cent accuracy rate in determining the rightful owner of the device.

The main contribution of this paper is a framework that extracts the user behaviour and transforms it into a unique signature that can be used to implicitly authenticate the user.

The Android pattern lock screen (or graphical password) is a popular user authentication method that relies on the advantages provided by the visual representation of a password, which enhance its memorability. Graphical passwords are vulnerable to attacks (e.g. shoulder surfing); thus, the need for more complex passwords becomes apparent. This paper aims to focus on the features that constitute a usable and secure pattern and investigate the existence of heuristic and physical rules that possibly dictate the formation of a pattern.

The authors conducted a survey to study the users’ understanding of the security and usability of the pattern lock screen. The authors developed an Android application that collects graphical passwords, by simulating user authentication in a mobile device. This avoids any potential bias that is introduced when the survey participants are not interacting with a mobile device while forming graphical passwords (e.g. in Web or hard-copy surveys).

The findings verify and enrich previous knowledge for graphical passwords, namely, that users mostly prefer usability than security. Using the survey results, the authors demonstrate how biased input impairs security by shrinking the available password space.

The sample’s demographics may affect our findings. Therefore, future work can focus on the replication of our work in a sample with different demographics.

The authors define metrics that measure the usability of a pattern (handedness, directionality and symmetry) and investigate their impact to its formation. The authors propose a security assessment scheme using features in a pattern (e.g. the existence of knight moves or overlapping nodes) to evaluate its security strengths.

Financial technology (FinTech) is undergoing a transformation as a result of robotics and artificial intelligence. FinTech service providers are embracing contactless technology, including the development and widespread adoption of innovative payment service. Among the many types of contactless payment services, facial recognition payment (FRP) has gained in popularity. To capitalize on this rising popularity, comprehending the mechanisms underlying continuous usage intention toward FRP is essential. Drawing from the stimulus–organism–response (S-O-R) model, this study investigates how FRP attributes facilitate continuous usage intention.

In total, 321 Chinese FRP users completed an online survey. Partial least squares structural equation modeling analyzed the results of the survey.

The results reveal that relative advantage and compatibility, user-interface attractiveness and perceived security (stimuli) promote performance expectancy, effort expectancy and positive emotion (organism), which in turn foster FRP continuous usage intention (response).

This research presents an S-O-R model that incorporates several attributes from DOI theory, the UTAUT model and the AIDUA framework to elucidate the antecedents of consumers' continuous usage intention toward FRP. The findings corroborate the significance of the S-O-R mechanism in FRP, setting the groundwork for the acceptance and development of biometric authentication technologies in service contacts and banks. In addition, the study highlights opportunities and essential aspects for FinTech service developers and providers to consider in terms of their practical significance.

The purpose of this paper is to examine the world’s first social impact bond (SIB) and the lessons that can be learned for the Islamic finance industry to fulfil its true objectives.

The Peterborough SIB was recently announced to be successful in achieving its targeted social and investment outcomes, reducing recidivism by 9 per cent and paying back investors a 3 per cent pa return. The paper compares Peterborough SIB with socially responsible investment (SRI) sukuk in terms of form and substance, and finds that there are various lessons from the Peterborough SIB that can be useful for future development of Islamic financial products.

Innovative social financial tools such as SIB exemplify the true spirit of risk sharing and social responsibility, which is arguably missing in current practices of the Islamic finance industry. With the growing interest towards SRI strategies and increase in socially motivated investors, such financial tools may not only help the sustainable growth of the Islamic finance industry, but also fill in the gap between its theory and practice.

As such, the paper also proposes a social impact sukuk model which integrates the key aspects learned from Peterborough SIB. This includes prioritising social impact, measurable success indicators, data and management systems, flexible contracts, third sector integration, risk sharing and fostering the culture of innovation.

The findings can offer some practical insights in dealing with the issue of Islamic finance practice being overly concerned with its formal adherence with Islamic legal rules whilst neglecting its true fundamental values.

The purpose of this paper is to develop initial evidence about the nature and features of crowdfunding in China, given it is largely unregulated regulatory frameworks.

The paper used extensive desk research using data collected from the public and private sectors, after which the data was analyzed parallel to existing academic literature, that is, institutional context by Bruton et al. (2014). This paper uncovered patterns of development, profiling crowdfunding platforms, examining the regulatory landscape and providing antecedents of successful crowdfunding projects in China.

When the traditional financial markets are hard to reach, micro, small and medium enterprises (MSMEs) were starved for capital. Crowdfunding can play a major role in funding and risk sharing. It is an innovative and dynamic vehicle for MSMEs as well as enthusiastic investors in China. Since its initial introduction to China in 2009, crowdfunding has gained substantial popularity in a relatively short period. Currently, there is still not an identifiable guideline on how to delineate the significance of the crowdfunding platform. The development of crowdfunding in China faces a few unresolved key issues. As researchers exploring this phenomenon in new ways, crowdfunding platforms can be enhanced in a manner that benefits the capital seeker, investors and society as a whole.

There is a dearth of information on start-up crowdfunding in Asia. With little data available to analyze, so this paper hopes to contribute to knowledge and provide valuable information to researchers and industry representations. Crowdfunding represents a potentially disruptive change in the way that new ventures are funded. This paper represents an initial analysis in the study of new ventures in China. Finally, the authors provide recommendations for entrepreneurs, investors and policymakers as well as researchers and practitioners with suggestions about yet unexplored avenues of research.

This study investigates effects of firm-level, sector-level and business environment factors on manufacturing firms’ Research and Development (R&D) investment decisions in Kenya.

Panel Probit regression model is employed to analyse effects of the explanatory variables on manufacturing firms R&D investment decisions.

Access to external finance, lower informal sector competition, exports market participation, larger firm size and firms in high technology subsectors increase probabilities of undertaking R&D investment decisions.

The findings underscore the need to consider institutional framework, aimed at easing business environment constraints related to access to finance, export promotion and competition from informal sector enterprises. Future research should consider cross-country analysis within the Sub-Saharan African (SSA) region to understand implications of institutional contexts that prove to be a challenge to address in a study based within a single country.

Policymakers need to consider addressing business environment constraints that impede R&D investments by private sector enterprises in developing countries. Formal private sector firms should design R&D investment strategies and lobby for policy interventions targeted at business environment constraints.

This study considers effects of variables underexplored in existing literature, notably competition from informal sector firms, R&D-intensity technological classification and an objective measure of access to finance. The study also utilises a panel survey data, which was underexplored in prior studies within SSA economies.