The Piranhas: Endgame Of Banking In Indonesia, F. Mario Andaru, Bambang Hadinugroho

Journal of Global Business Insights

Neobank is a form of financial technology innovation that offers banking services without a branch office. This is a form of disruption in the banking industry. Therefore, this paper aims to look at the phenomenon regarding the shift in the banking industry due to the presence of neobanks and, at the same time, question whether this is the beginning of the extinction of conventional banking. Based on an analysis of the literature on fintech and digital banking from research, case studies, and news media in both English and Indonesian, this study discusses research related to neobank trends disrupting the conventional …

Digital Transformation Perceptions In Tourism Businesses: The Case Of Batman Province, Ferhat Kurt

Journal of Mediterranean Tourism Research

This study explores the perceptions of digital transformation within tourism businesses in Batman Province, with a specific focus on accommodation, food and beverage and tourism agencies. Perceptions of digital transformation are considered to have of growing influence on the tourism business, and the research of these perceptions is a critical study not only for academic research but also for practical applications. Experiences, strategies, and challenges of the businesses in digitalization are studied with qualitative research methods, specifically semi structured interviews with five businesses running in Batman, Turkey. The findings highlight the varying degrees of digital transformation awareness and the different …

Effect Of Influencers On The Intention To Taste Local Food And Beverages, Yeliz Demir, Serkan Bertan

Journal of Mediterranean Tourism Research

The study aims to determine the impact of influencers promoting local food and beverages on individuals’ intention to taste local food. In this study, Instagram accounts were selected as the social media platform. The research data were obtained from Turkish Instagram users over the age of 18 by using an online survey and purposive sampling method, and usable data were obtained from 81 people. Of the participants, 56.8% stated that they follow Instagram accounts related to gastronomy, and 43.2% stated that they do not follow these social media accounts but look at the photos and videos of gastronomy accounts when …

All Quiet On The Digital Front: The Unseen Psychological Impacts On Cybersecurity First Responders, Tammie R. Hollis

USF Tampa Graduate Theses and Dissertations

Driven by the increasing frequency of cyberattacks and the existing talent gap between industry needs and skilled professionals, this research study focused on the crucial human element in the domain of cybersecurity incident response. The objective of this dissertation was to offer a meaningful exploration of the lived experiences encountered by cybersecurity incident responders and an assessment of the subsequent impacts on their well-being. Additionally, this study sought to draw comparisons between the experiences of cybersecurity incident responders and their counterparts in traditional emergency response roles. Semi-structured interviews were conducted with a cohort of 22 individuals with first-hand experience working …

An In-Depth Analysis Of The Impact Of Cyberattacks On The Profitability Of Commercial Banks In The United States, Asligul Erkan-Barlow, Thanh Ngo, Rajni Goel, Denise W. Streeter

Journal of Global Business Insights

This study examined the effects of cyberattacks on the profitability of U.S. public and private commercial banks using a sample of 120 data breaches across various institutions. The results showed that cyberattacks negatively influence bank profitability, with effects more robust in the 12 quarters following a breach, especially from non-hack breaches. Large and private banks suffer more than small and public banks, with breaches resulting in decreased deposits and loans and increased liquidity. These changes are confirmed as independent channels reducing bank profitability. The results were robust after controlling for factors like multicollinearity, non-stationarity, cross-sectional dependence, and heteroskedasticity.

The Rise Of Text Analysis: Using Machine Learning To Explain The Variation In Going Concern Accuracy, Yimei Zhang

USF Tampa Graduate Theses and Dissertations

Auditors are required to issue modified audit opinions if they have sufficient doubts about the client’s ability to continue as a going concern. These going concern opinions represent an important information resource for financial statement users to evaluate client performance, and are associated with a number of negative capital market outcomes (e.g. negative returns, increased cost of capital, etc.). Despite being used by capital market participants, going concern opinions are commonly plagued with Type I errors (false positive) and Type II errors (false negative), making them a particularly noisy measure. The purpose of this study is to determine whether machine …

Combining Frameworks To Improve Military Health System Quality And Cybersecurity, Dr. Maureen L. Schafer, Dr. Joseph H. Schafer

Military Cyber Affairs

Existing conceptual frameworks and commercially available technology could be considered to rapidly operationalize the use of Quality Measures (QM) within military health systems (Costantino et al. 2020). Purchased healthcare as well as digital healthcare services have paved the way for data collection from multiple information systems thus offering stakeholders actionable intelligence to both guide and measure healthcare outcomes. However, the collection of data secondary to Smart Devices, disparate information systems, cloud services, and the Internet of Medical Things (IOMT) is a complication for security experts that also affect clients, stakeholders, organizations, and businesses delivering patient care. We have combined three …

Industry 4.0 Applications Towards Sustainability In Hospitality: First Waves In The Guest Room, Sanjay Nadkarni, Florian Kriechbaumer, Natasa Christodoulidou, Marcus A. Rothenberger

Journal of Global Business Insights

Digitalization is positioned as an important element for the future of hospitality related services, especially since the onset of the COVID-19 pandemic (Gursoy & Chi, 2020; Shin & Kang, 2020). Historically, digitalization focused on amplifying returns by increasing revenue and operational efficiency. The hospitality industry utilizes resources intensely to function well; and when used properly, technological improvements can optimize the development of a sustainable business model. This manuscript explores the role of recent innovations in digitalization, such as Big Data, the Internet of Things (IoT), and artificial intelligence (AI) in enabling environmental sustainability in hotels. These innovations become transparent …

Cinema Studies: Different Perspectives, Burak Turten

University of South Florida (USF) M3 Publishing

PREFACE

Cinema Studies: Different Perspectives is essential reading for anyone interested in cinema discipline. The singular aim of this edited book of scholarly text is to stimulate and engage readers in the fast-changing, complex, and increasingly interdisciplinary nature of cinema studies, and to serve as a catalyst for future intellectual, academic, and professional-driven research agendas. It is believed that the integration of cinema studies with other disciplines will undoubtedly contribute to the development of the cinema field both in practice and in theory.

Therefore, each chapter of this book, which consists of 9 chapters, focuses on a sub-discipline such as …

“Lasso The Moon? Is It Possible? What About Hack The Moon? Today’S International Framework For Activities On The Moon”, Diane M. Janosek, Armando Seay, Josa P. Natera

Military Cyber Affairs

The global interest in the moon and outer space continues to skyrocket. The current U.S. commercial investment in space is $350 billion annually, and it is expected to grow to $1 Trillion or more by 2040. The U.S. military investment in space defense and research likewise continues to grow, with the total investment amount remaining classified. With the frequent activity in space, as well as concerns about attacks to US space assets to and from space, the U.S, created the United States Space Command and its Space Force. With private space travel, nanosatellites, lunar exploration, and the proliferation of space …

The Iwar Range + 21 Years: Cyber Defense Education In 2022, Joseph H. Schafer, Chris Morrell, Ray Blaine

Military Cyber Affairs

Twenty-one years ago, The IWAR Range paper published by CCSC described nascent information assurance (now cybersecurity[1]) education programs and the inspiration and details for constructing cyber ranges and facilitating cyber exercises. This paper updates the previously published work by highlighting the dramatic evolution of the cyber curricula, exercise networks and ranges, influences, and environments over the past twenty years.

[1] In 2014, DoD adopted “cybersecurity” instead of “information assurance.” [34:1]

Re-Architecting The Firm For Increased Value: How Business Models Are Adapting To The New Ai Environment, Gozde Turktarhan, David S. Aleong, Chandra Aleong

Journal of Global Business Insights

This paper is an examination of how technology, specifically artificial intelligence (AI), brings about changes in business models, with corresponding impacts on the fields of economics and business. Concepts such as value creation and competitive advantage have cascading effects on organizational culture and the functional framework of a firm. Data creation, management, and curation using media platforms enable enhanced scalability and logistics management such that the firm can be re-architected around a digital core. Organizational structure with functions such as marketing and human resource management are integral links in the automated value network anticipating and responding to customers’ needs while …

The Importance And Role Of Digital Marketing In The Preference Of Touristic Products In Turkiye, Gul Yilmaz, H. Neyir Tekeli

University of South Florida (USF) M3 Publishing

OVERVIEW

The rapid development of technology all over the world, the widespread use of the Internet in all areas has enabled consumers to benefit from digital marketing in their product purchasing activities. Tourism companies use digital platforms and channels for promotional purposes in touristic product marketing to reach potential tourists. Young people who are familiar with the technology make their hotel reservation or car rental preferences for the time period they need through digital platforms. They always take into account the so-called electronic advice (e- WOM) messages before selecting the destination. Tourists can easily examine the virtual images of the …

Informing Complexity: The Business Case For Managing Digital Twins Of Complex Process Facilities As A Valuable Asset, William Randell Mcnair

USF Tampa Graduate Theses and Dissertations

The Digital Twins of complex facilities, specifically 3D models created during their design, is a potentially valuable information asset. This three- article dissertation explores the business case for firms in the petrochemical process industry to manage throughout the facility lifecycle. A maturity model is provided to illustrate the stages of digital twin evolution and serves as a tool to help communicate each of the five levels of digital twin maturity achievable in various use cases. An industry analysis reviews existing literature and proposes a model to assess informing or insight value of digital twins from three perspectives. Next, an empirical …

Enterprise Environment Modeling For Penetration Testing On The Openstack Virtualization Platform, Vincent Karovic Jr., Jakub Bartalos, Vincent Karovic, Michal Gregus

Journal of Global Business Insights

The article presents the design of a model environment for penetration testing of an organization using virtualization. The need for this model was based on the constantly increasing requirements for the security of information systems, both in legal terms and in accordance with international security standards. The model was created based on a specific team from the unnamed company. The virtual working environment offered the same functions as the physical environment. The virtual working environment was created in OpenStack and tested with a Linux distribution Kali Linux. We demonstrated that the virtual environment is functional and its security testable. Virtualizing …

The Impact Of Industry 4.0 Strategy On The Work-Life Balance Of Employees, Ali S. Cetinkaya

University of South Florida (USF) M3 Publishing

The era of Industry 4.0 has been creating new opportunities for the employees, like having more flexible and spare time. It has changed their work-life balance, like spending more time for the need to learn new concepts and skills. This quantitatively designed research aimed to investigate the impact of firms’ Industry 4.0 strategy on their work-life balance in manufacturing enterprises. The survey technique was used to collect 425 valid survey data from randomly selected employees working in the manufacturing enterprises operating in Konya in Turkey. Data were analyzed by using descriptive statistics, exploratory factor analysis, structural equation modeling path analysis …

Assessment Of Industry 4.0 On Manufacturing Enterprises: Demographic Perspective, Ali S. Cetinkaya, M. Kemal Unsacar

University of South Florida (USF) M3 Publishing

Industry 4.0, described as the new and advanced way of digitalization of the industries, that undoubtedly affects both businesses and the competitive environment. The preparations of the businesses to adapt this new era is vitally important in terms of competitiveness. In this perspective; this research study is aimed to examine the impact level of Industry 4.0 according to the demographic changes of manufacturing enterprises. The survey technique was used as a data collection tool and 387 valid surveys were obtained from the employees of the industrial enterprises in the city of Konya in Turkey. Theoretical model and hypotheses were tested …

The Regulation Problem Of Cryptocurrencies, Lamiha Ozturk, Ece Sulungur

University of South Florida (USF) M3 Publishing

The purpose of this article is to analyze the difficulties associated with the lack of regulations in cryptocurrencies. Indeed, the absence of a uniform and international common regulation brings many legal conflicts. This lack of legal framework partly slows down the development of cryptocurrencies. Investors who wish to invest in this type of currency or asset are often discouraged due to the lack of legal framework. In order to highlight the difficulties caused by the lack of regulation, this paper proposes to analyze the different approaches and the beginning of a legal text developed by certain countries to respond to …

Social Media Framework For Businesses, Nawel Amrouche

University of South Florida (USF) M3 Publishing

Social media is gaining popularity and many studies are investigating the topic by providing contradictory conclusions about its effectiveness. To scrutinize this incongruence, we first differentiate social media from other communication tools and describe its challenges. Next, based on an extensive literature review collecting research papers from 2004 to 2016, we propose a structural framework explaining the role of managerial, individual, and contextual variables that affect the social media value chain. We find that social media has a controversial effect on businesses’ objectives depending on the context of studies. We also find that social media’s objectives could be classified into …

Artificial Intelligence In Retailing, Ibrahim Kircova, Munise Hayrun Saglam, Sirin Gizem Kose

University of South Florida (USF) M3 Publishing

Advances in Artificial Intelligence and Machine Learning technologies have brought a completely new level of data processing that provides deeper business insights. Purchasing advice, dynamic pricing, personal content and advice have become widely used in the retail industry thanks to artificial intelligence. Almost real-time results can be achieved by expanding the scope of data obtained from existing customers and algorithms that mimic human-like behavior. In addition, interactions with machines are more widely accepted than before, allowing consumers to accept innovations faster and thus increase brand loyalty. On the other hand, the success of artificial intelligence, which will change the future …

Perceived Usefulness, Ease Of Use, Online Trust And Online Purchase Intention: Mediating Role Of Attitude Towards Online Purchase, Muhammed Yazeed, Mohammed A. Dantsoho, Adamu A. Abubakar

University of South Florida (USF) M3 Publishing

Despite this significant breakthrough on the emergence of e-commerce due to the proliferation of the Internet, little work has explored whether attitude towards online purchase can mediate the relationship between perceived usefulness (PU), Ease of Use (EU), Online Trust (OT) and Online Purchase Intention (OPI). This study was set to examine the mediating role of attitude towards online purchase on the relationship between PU, EU, OT and OPI. A cross-sectional research design was used to gather data from the research respondents using a simple random sampling procedure. 441 useful responses were used to analyse the data using partial least square …

Forensic Accounting Education, Practice, And Career Path In Saudi Arabia, Mohammed Alzahrane

USF Tampa Graduate Theses and Dissertations

The various high-profile cases of financial fraud that threatened to or led to the downfall of high ranking companies have reinforced the need to equip accounting professionals with the skills necessary to detect and investigate fraud. This study aims to evaluate forensic accountants' effectiveness in Saudi Arabia in meeting the needs of the judicial system and their clients. The study also seeks to explore forensic accounting in depth through the opinions, thoughts, concerns, conceptualizations, and experiences of Saudi judges who are routinely involved in forensic accounting cases. These cases often require expert testimony (i.e., cases involving, but not limited to, …

Network & Cyber Security In Hospitality And Tourism, Emmanuel Fragniere, Kamil Yagci

University of South Florida (USF) M3 Publishing

OVERVIEW

The tourism sector was transformed early on by digitalization, which makes it a very innovative area of business. At the same time, this high level of digitalization maturity makes it a very vulnerable industry in terms of cyber security. As a tourism specialist, it is therefore crucial to have a good understanding of network and cybersecurity. In this chapter, we will address this topic in an accessible and popularized manner. The goal is to understand the challenges of cybersecurity and as a tourism professional to contribute with specialists in the field to protect your business, your network, and your …

Hospitality And Tourism Information Technology, Cihan Cobanoglu, Seden Dogan, Katerina Berezina, Galen Collins

University of South Florida (USF) M3 Publishing

Preface

Technology has redefined how we experience hospitality. From the front of the house to the back, technology has allowed hospitality businesses to provide a faster, better, and more personalized service. Such benefits may be achieved by relying on the systems that remember all customer preferences, by bringing guests the speed and convenience of self-check-in, and employing robots that may attend to customer requests around the clock. However, all these wonderful innovations come with challenges, such as justifying a return on investment, establishing system security, building sustainable solutions, ensuring interoperability across different systems, and delivering high touch while using high …

Big Data And Business Intelligence In Hospitality And Tourism, Gozde Turktarhan, Ram Gopalan, Emrah Ozkul

University of South Florida (USF) M3 Publishing

OVERVIEW

The developments in technology in the last 25 years have brought many changes in the tourism and hospitality sector as well as in many other fields. Big Data and business intelligence, which are the leading ones among these developments, have caused some changes in the way of doing business in the tourism industry. Explaining the relationship between Big Data and business intelligence is important for understanding how these changes are reflected in the tourism industry. Business intelligence and Big Data, which enable many processes to be completed in a shorter time, also bring some ethical problems. In this book …

Socially Responsible Investments In Europe, Muhammad Ashfaq, Verena Bochert

University of South Florida (USF) M3 Publishing

Preface

In times of increasing demand for social equality, adherence to human rights and the tackling of global warming, awareness of sustainable investments is becoming more important in the context of the economic prosperity of a country. Investors, from the institutional as well as the private side, can support environmental, social and governance (ESG) issues by investing in sustainable assets. This research contributes to analysing the sustainable investment market in Europe and to developing market segments for the future. Socially Responsible Investments (SRIs) integrate ESG aspects into the decision-making process, whereby investments only focussing on the E (environmental aspects) are …

Digital Identity: A Human-Centered Risk Awareness Study, Toufic N. Chebib

USF Tampa Graduate Theses and Dissertations

Cybersecurity threats and compromises have been at the epicenter of media attention; their risk and effect on people’s digital identity is something not to be taken lightly. Though cyber threats have affected a great number of people in all age groups, this study focuses on 55 to 75-year-olds, as this age group is close to retirement or already retired. Therefore, a notable compromise impacting their digital identity can have a major impact on their life.

To help guide this study, the following research question was formulated, “What are the risk perceptions of individuals, between the ages of 55 and 75 …

Detecting Digitally Forged Faces In Online Videos, Neilesh Sambhu

USF Tampa Graduate Theses and Dissertations

We use Rossler’s FaceForensics dataset of 1004 online videos and their corresponding forged counterparts [1] to investigate the ability to distinguish digitally forged facial images from original images automatically with deep learning. The proposed convolutional neural network is much smaller than the current state-of-the-art solutions. Nevertheless, the network maintains a high level of accuracy (99.6%), all while using the entire FaceForensics dataset and not including any temporal information. We implement majority voting and show the impact on accuracy (99.67%), where only 1 video of 300 is misclassified. We examine why the model misclassified this one video. In terms of tuning …

Prioritizing Strategic Cyberspace Lethality, Andrew J. Schoka

Military Cyber Affairs

The primary concern of United States national security policy, as detailed in the 2018 National Defense Strategy, has shifted from asymmetrical counter-insurgency operations to countering inter-state strategic competition by rogue regimes and revisionist powers. This doctrinal shift has prompted an increased emphasis on military lethality, particularly in strategic-level cyberspace operations intended to counter open challenges to the global security environment and United States preeminence. Drawing from the theory of constraints in industrial engineering and Bayesian search theory in operations research, this paper identifies the key organizational constraints that hinder the lethality of the Department of Defense’s strategic-level cyberspace operations units …

From C++ To Conscientiousness: Modeling The Psychosocial Characteristics Influencing Cybersecurity Personnel Performance, Rachel C. Dreibelbis

USF Tampa Graduate Theses and Dissertations

The current study drew upon several theoretical frameworks of cybersecurity performance to evaluate distal and proximal individual attributes that may predict cyber performance in a variety of cybersecurity work roles. The proposed models in this study predicted that cognitive ability, personality (conscientiousness and openness to experience), and motivational factors like learning orientation would work through proximal attributes like technical knowledge, communication, and problem solving to influence performance. Hypotheses were tested using 139 employee responses to predictor variables and performance ratings from their supervisors across two industries and several cybersecurity work roles. Correlational analyses and path models supported that several individual …