Business Commons^™

Human-Algorithm Collaboration Works Best If Humans Lead (Because It Is Fair!), David De Cremer, Jack Mcguire

Research Collection Lee Kong Chian School Of Business

Autonomous algorithms are increasingly being used by organizations to reach ever increasing heights of organizational efficiency. The emerging business model of today therefore appears to be one where autonomous algorithms are gradually expanding their occupation into becoming a leading decision-maker, and humans by default become increasingly more subordinate to such decisions. We address the question of whether this business perspective is consistent with the sort of collaboration employees want to have with algorithms at work. We explored this question by investigating in what way humans preferred to collaborate with algorithms when making decisions. Using two experimental studies (Study 1, n …

Analyzing The Impact Of Digital Payment On Efficiency And Productivity Of Commercial Banks: A Case Study In China, Haopeng Wang, Aldy Gunawan

Research Collection School Of Computing and Information Systems

Digital payment has become one of the most popular payment methods all around the world, especially in countries that witnessed the rapid development of internet. As a traditional financial institution, commercial banks have been impacted by newly developed payment technology since third payment platforms have attracted customers to use the digital payment for daily consumption, transferring, and even investment. This paper focuses on analyzing whether and how the commercial banks in China have been affected by digital payment by using empirical methods. Systematic Generalized Method of Moments (SYS-GMM) is used to test the relationship between the productivity of commercial banks …

Estimating Financial Information Asymmetry In Real Estate Transactions In China: An Application Of Two-Tier Frontier Model, Ganlin Pu, Ying Zhang, Li-Chen Chou

Research Collection School Of Computing and Information Systems

This study applies the two-tier stochastic frontier model to estimate the distribution of housing transaction information in Hangzhou, Wenzhou, Ningbo, and Jinhua (four cities in Zhejiang Province, China) during the year 2018, to analyze the difference in the price information acquired by the buyers and sellers in the transaction, and the effect of information asymmetry on the transaction price. The empirical results show that in each city, during the housing transaction process, the supplier has more complete information about house prices than consumers, and can therefore implement price discrimination strategies in setting service prices. Due to the disadvantage in acquired …

The Economics Of Residential Solar Panels: A Comparison Of Energy Charges For Different Load Profiles, Rate Plans, And Panel Orientations, John B. Broughton, Candace E. Ybarra, Prashanth U. Nyer

Business Faculty Articles and Research

This paper examines the effect of different residential electrical load profiles (electrical energy consumption patterns within a day) on energy charges for customers with solar panels under different Southern California Edison time-of-use (TOU) rate plans. We identify the TOU plan which would be the most cost effective for solar customers with each load profile. The impact of the orientation of the solar panel array (whether it faces south or west or east) and shading patterns on electricity charges are examined. We also determine the ideal usage offset (the percentage of electricity consumption provided by the solar array) for the various …

Uncharted Territories: Covid-19 And Other 2020 Events That Changed Lives Forever, Justina Ogodo

Journal of Multicultural Affairs

The year 2020 rolled in with pomp and pageantry like any other year in human history. I assume that many like me had high hopes, possibly made new year resolutions. I looked forward to the new year with great expectations—planned trips, events, graduations, weddings, and even new writing goals and aspirations. But the year had its own plan, taking an unexpected turn. I am a science educator, wife, and mother of three black children; I walked into the uncharted territories of COVID-19 and other 2020 events that changed lives forever. I tell this story of my lived experience with a …

Session 5: Equipment Finance Credit Risk Modeling - A Case Study In Creative Model Development & Nimble Data Engineering, Edward Krueger, Landon Thompson, Josh Moore

SDSU Data Science Symposium

This presentation will focus first on providing an overview of Channel and the Risk Analytics team that performed this case study. Given that context, we’ll then dive into our approach for building the modeling development data set, techniques and tools used to develop and implement the model into a production environment, and some of the challenges faced upon launch. Then, the presentation will pivot to the data engineering pipeline. During this portion, we will explore the application process and what happens to the data we collect. This will include how we extract & store the data along with how it …

Experimental Study To Assess The Impact Of Timers On User Susceptibility To Phishing Attacks, Amy E. Antonucci, Yair Levy, Laurie P. Dringus, Martha Snyder

Journal of Cybersecurity Education, Research and Practice

Social engineering costs organizations billions of dollars. It exploits the weakest link of information systems security, the users. It is well-documented in literature that users continue to click on phishing emails costing them and their employers significant monetary resources and data loss. Training does not appear to mitigate the effects of phishing much; other solutions are warranted. Kahneman introduced the concepts of System-One and System-Two thinking. System-One is a quick, instinctual decision-making process, while System-Two is a process by which humans use a slow, logical, and is easily disrupted. The key aim of our experimental field study was to investigate …

Faculty And Advisor Advice For Cybersecurity Students: Liberal Arts, Interdisciplinarity, Experience, Lifelong Learning, Technical Skills, And Hard Work, Brian K. Payne, Bria Cross, Tancy Vandecar-Burdin

Journal of Cybersecurity Education, Research and Practice

The value of academic advising has been increasingly emphasized in higher education. In this study, attention is given to the most significant types of advice that a sample of cybersecurity faculty and advisors from the Commonwealth of Virginia recommend giving to cybersecurity students. The results show that faculty and advisors recommended that students be aware of six different aspects of cybersecurity education including the value of experience, the need for lifelong learning, the importance of hard work, the need to develop technical skills, the interdisciplinary nature of cybersecurity, and the need to develop liberal arts or professional/soft skills. Implications of …

Subject Matter Experts’ Feedback On Experimental Procedures To Measure User’S Judgment Errors In Social Engineering Attacks, Tommy Pollock, Yair Levy, Wei Li, Ajoy Kumar

Journal of Cybersecurity Education, Research and Practice

Distracted users can fail to correctly distinguish the differences between legitimate and malicious emails or search engine results. Mobile phone users can have a more challenging time identifying malicious content due to the smaller screen size and the limited security features in mobile phone applications. Thus, the main goal of this research study was to design, develop, and validate a set of field experiments to assess user’s judgment when exposed to two types of simulated social engineering attacks: phishing and Potentially Malicious Search Engine Results (PMSER), based on the interaction of the environment (distracting vs. non-distracting) and type of device …

A Taxonomy Of Cyberattacks Against Critical Infrastructure, Miloslava Plachkinova, Ace Vo

Journal of Cybersecurity Education, Research and Practice

The current study proposes a taxonomy to organize existing knowledge on cybercrimes against critical infrastructure such as power plants, water treatment facilities, dams, and nuclear facilities. Routine Activity Theory is used to inform a three-dimensional taxonomy with the following dimensions: hacker motivation (likely offender), cyber, physical, and cyber-physical components of any cyber-physical system (suitable target), and security (capable guardian). The focus of the study is to develop and evaluate the classification tool using Design Science Research (DSR) methodology. Publicly available data was used to evaluate the utility and usability of the proposed artifact by exploring three possible scenarios – Stuxnet, …

The 2020 Twitter Hack – So Many Lessons To Be Learned, Paul D. Witman, Scott Mackelprang

Journal of Cybersecurity Education, Research and Practice

In mid-July 2020, the social media site Twitter had over 100 of its most prominent user accounts start to tweet requests to send Bitcoin to specified Bitcoin wallets. The requests promised that the Bitcoin senders would receive their money back doubled, as a gesture of charity amidst the COVID-19 pandemic. The attack appears to have been carried out by a small group of hackers, leveraging social engineering to get access to internal Twitter support tools. These tools allowed the hackers to gain full control of the high-profile user accounts and post messages on their behalf. The attack provides many paths …

Editorial Vol 2021, No 2, Herbert J. Mattord, Michael E. Whitman, Hossain Shahriar

Journal of Cybersecurity Education, Research and Practice

Welcome to the Winter 2021 edition of the Journal for Cybersecurity Education, Research, and Practice.

The Online Ordering Behaviors Among Participants In The Oklahoma Women, Infants, And Children Program: A Cross-Sectional Analysis, Qi Zhang, Kayoung Park, Junzhou Zhang, Chuanyi Tang

Department of Marketing Faculty Scholarship and Creative Works

The Special Supplemental Nutrition Program for Women, Infants, and Children (WIC) is a nutrition assistance program in the United States (U.S.). Participants in the program redeem their prescribed food benefits in WIC-authorized grocery stores. Online ordering is an innovative method being pilot-tested in some stores to facilitate WIC participants’ food benefit redemption, which has become especially important in the COVID-19 pandemic. The present research aimed to examine the online ordering (OO) behaviors among 726 WIC households who adopted WIC OO in a grocery chain, XYZ (anonymous) store, in Oklahoma (OK). These households represented approximately 5% of WIC households who redeemed …

An Equity-First Approach To Climate Adaptation, San Diego Regional Climate Collaborative, San Diego Association Of Governments

San Diego Regional Climate Collaborative

The Equity-First Approach to Climate Adaptation guidance document (Equity Guidance; document) serves as a general framework for local agency planners and transportation planning professionals. The Equity Guidance’s overall goal is to provide best practices for designing, planning, and implementing a climate adaptation process that supports equitable outcomes. This document identifies trends, assumptions, emerging practices, indicators, metrics, and implementation opportunities, that support and operationalize an equitable climate adaptation planning process.

To Buy Green Or Not To Buy Green: Do Structural Dependencies Block Ecological Responsiveness?, Simon J.D. Schillebeeckx, Teemu Kautonen, Henri Hakata

Research Collection Lee Kong Chian School Of Business

Despite the significant increase in interest in sustainable business practices, decisions on switching to more environmentally friendly input materials are understudied. In a conjoint experiment, we presented 267 Finnish manufacturing firms with an opportunity to acquire an alternative, more ecological input material and investigated their willingness to switch to that material. We find that in general, firms are willing to substitute their current principal input with a more ecological alternative under conditions of functional parity. However, such willingness is contingent on the firm’s value creation structures. Specifically, if the products and processes driving the firm’s value creation rely more on …

Conflicting Institutional Logics As A Safe Space For Collaboration: Action Research In A Reforestation Ngo, Simon J.D. Schillebeeckx, Ryan K. Merrill

Research Collection Lee Kong Chian School Of Business

Climate change is the defining issue of our time. Taking urgent action to combat climate change and its impacts (Sustainable Development Goal 13) is one of the most wicked problems governments, companies, and civil society have ever had to solve (Reinecke & Ansari, 2016). The path to solving the climate crisis is reasonably well defined but the road ahead is treacherous. We need to decarbonize the economy so that we can decouple growth from carbon emissions. This requires massive investments in clean energy, a radical rethink of the food production system, and innovations in aviation and primary extractive industries to …

New-Media Advertising And Retail Platform Openness, Jianqing Chen, Zhiling Guo

Research Collection School Of Computing and Information Systems

We recently have witnessed two important trends in online retailing: the advent of new media (e.g., social media and search engines) makes advertising affordable for small sellers, and large online retailers (e.g., Amazon and JD.com) opening their platforms to allow even direct competitors to sell on their platforms. We examine how new-media advertising affects retail platform openness. We develop a game-theoretic model in which a leading retailer, who has both valuation and awareness advantages, and a third-party seller, who sells an identical product, engage in price competition. We find that the availability of relatively low-cost advertising through new media plays …

A Closer Look At Csr Practices In Sustainable Fashion: A Guideline For Apparel Brands, Elline Deogracias, Tracie Tung, Natale Zappia

CSU Journal of Sustainability and Climate Change

While it might be greenwashing that impedes consumers' eco-consumption, the researchers posit that this gap is also due to fashion brands’ weak CSR communication and inconsistent understanding of CSR activities. This study aims to 1) determine the ease with which consumers can navigate sustainable fashion brand websites to find corporate social responsibility (CSR) activities, and 2) construct a framework that clearly identifies CSR activities, CSR dimensions, and the business operation stages at which they occur. Website content analyses were conducted on 27 sustainable fashion brands in the United States to investigate their CSR activities. A framework was proposed to better …

Current Trends In Blockchain Implementations On The Paradigm Of Public Key Infrastructure: A Survey, Daniel Maldonado-Ruiz, Jenny Torres, Nour El Madhoun, Mohamad Badra

All Works

Since the emergence of the Bitcoin cryptocurrency, the blockchain technology has become the new Internet tool with which researchers claim to be able to solve any existing online problem. From immutable log ledger applications to authorisation systems applications, the current technological consensus implies that most of Internet problems could be effectively solved by deploying some form of blockchain environment. Regardless this ‘consensus’, there are decentralised Internet-based applications on which blockchain technology can actually solve several problems and improve the functionality of these applications. The development of these new blockchain-based solutions is grouped into a new paradigm called Blockchain 3.0 and …

Directions For The Development Of Personal Subsidiary Farms And Increasing Sources Of Income In The Future, Yakupov Kabil

Karakalpak Scientific Journal

This article discusses the features of the development of personal subsidiary farms in modern conditions, defines their functions in the agrarian economy and in the life of society as a whole. Modern agrarian policy provides for the development of various forms of management, including personal subsidiary farms. Personal subsidiary farms are an organic part of the agricultural sectors and make a significant contribution to solving the food problem of the country. The provision of the population with food products is carried out by personal subsidiary farms through their own consumption, as well as the sale of surplus products.

The Influence Of Local Embeddedness On The Economic, Social, And Environmental Sustainability Practices Of Regional Small Firms, Jalleh Sharafizad, Janice Redmond, Craig Parker

Research outputs 2022 to 2026

Despite growing research on economic, social, and environmental sustainability, few studies explore all three sustainability pillars and implemented practices, in the context of regional small firms. This study uses a novel integration of two theoretical concepts, local embeddedness, and sustainability embeddedness orientation, to fill this knowledge gap. Using 26 interviews, the study highlights the nuanced interconnectedness of three new theoretical concepts that link local embeddedness and sustainability embeddedness–locally embedded sustainability values, spatially-driven sustainability and locally adapted sustainability. An integrated theoretical framework is provided that uses the three new concepts to explain how and why small firm local embeddedness in regional …

A Call For The Library Community To Deploy Best Practices Toward A Database For Biocultural Knowledge Relating To Climate Change, Martha B. Lerski

Publications and Research

Abstract

Purpose – In this paper, a call to the library and information science community to support documentation and conservation of cultural and biocultural heritage has been presented.

Design/methodology/approach – Based in existing Literature, this proposal is generative and descriptive— rather than prescriptive—regarding precisely how libraries should collaborate to employ technical and ethical best practices to provide access to vital data, research and cultural narratives relating to climate.

Findings – COVID-19 and climate destruction signal urgent global challenges. Library best practices are positioned to respond to climate change. Literature indicates how libraries preserve, share and cross-link cultural and scientific knowledge. …

Tropical Cyclones Negatively Impact The Tourism Economy In Coastal Regions, Sergio Alvarez, Arthur Huang

Rosen Research Review

Tropical cyclones can have a devastating effect on communities, causing loss of property, businesses, and life. In areas that rely on tourism, these effects can be long-lasting. In their recent work, Dr. Sergio Alvarez and Dr. Arthur Huang from UCF Rosen College of Hospitality Management have examined the impact that tropical cyclones have on the tourism economy in Florida. The results suggest that these cyclones negatively impact the economy, especially in coastal regions, and that policy changes are needed to help the tourism sector recover

Fake Review Detection, Michael Husk, Faryaneh Poursardar (Mentor)

Computer & Information Science: Research Experiences for Undergraduates in Disinformation Detection and Analytics

No abstract provided.

Module 1: Introduction To Technology Foresight, Risk Management, And Insurtech, Michael Mcshane, C. Ariel Pinto, Hesamoddin Tahami, Hengameh Fakhravar

Developing Technology Foresight: Case Study of AI in InsurTech

Instructional Module 1 for course, Developing Technology Foresight: Case Study of AI in InsurTech.

Module 2: Case Studies Of Ai And Insurtech, Michael Mcshane, C. Ariel Pinto, Hesamoddin Tahami, Hengameh Fakhravar

Developing Technology Foresight: Case Study of AI in InsurTech

Instructional Module 2 for course, Developing Technology Foresight: Case Study of AI in InsurTech.

Module 3: Technology Foresight And Insurtech, Michael Mcshane, C. Ariel Pinto, Hesamoddin Tahami, Hengameh Fakhravar

Developing Technology Foresight: Case Study of AI in InsurTech

Instructional Module 3 for course, Developing Technology Foresight: Case Study of AI in InsurTech.

Insurtech And Distribution, Michael Mcshane, C. Ariel Pinto, Hesamoddin Tahami, Hengameh Fakhravar

Developing Technology Foresight: Case Study of AI in InsurTech

Questions regarding InsurTech and distribution.

Insurtech And Actuarial, Michael Mcshane, C. Ariel Pinto, Hesamoddin Tahami, Hengameh Fakhravar

Developing Technology Foresight: Case Study of AI in InsurTech

Questions regarding InsurTech and actuarial work.

Introduction To The Course, Michael Mcshane, C. Ariel Pinto, Hesamoddin Tahami, Hengameh Fakhravar

Developing Technology Foresight: Case Study of AI in InsurTech

This PDF document describes the course, Developing Technology Foresight: Case Study of AI in InsurTech, and includes learning outcomes and a course outline.