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Full-Text Articles in Business

Reducing Food Scarcity: The Benefits Of Urban Farming, S.A. Claudell, Emilio Mejia Dec 2023

Reducing Food Scarcity: The Benefits Of Urban Farming, S.A. Claudell, Emilio Mejia

Journal of Nonprofit Innovation

Urban farming can enhance the lives of communities and help reduce food scarcity. This paper presents a conceptual prototype of an efficient urban farming community that can be scaled for a single apartment building or an entire community across all global geoeconomics regions, including densely populated cities and rural, developing towns and communities. When deployed in coordination with smart crop choices, local farm support, and efficient transportation then the result isn’t just sustainability, but also increasing fresh produce accessibility, optimizing nutritional value, eliminating the use of ‘forever chemicals’, reducing transportation costs, and fostering global environmental benefits.

Imagine Doris, who is …


Investigation Into A Practical Application Of Reinforcement Learning For The Stock Market, Philip Traxler, Sadik Aman, Will Rogers, Allyn Okun Dec 2023

Investigation Into A Practical Application Of Reinforcement Learning For The Stock Market, Philip Traxler, Sadik Aman, Will Rogers, Allyn Okun

SMU Data Science Review

A major problem of the financial industry is the ability to adapt their trading strategies at the same rate the market evolves. This paper proposes a solution using existing Reinforcement Learning libraries to help find new strategies at a practical scale. Using a wide domain of ticker symbols, an algorithm is trained in an environment that better represents reality. The supplied decision-making algorithm is tested using recorded data from the U.S stock market from 2000 through 2022. The results of this research show that existing techniques are statistically better than making decisions at random. With this result, this research shows …


Turnstile File Transfer: A Unidirectional System For Medium-Security Isolated Clusters, Mark Monnin, Lori L. Sussman Dec 2023

Turnstile File Transfer: A Unidirectional System For Medium-Security Isolated Clusters, Mark Monnin, Lori L. Sussman

Journal of Cybersecurity Education, Research and Practice

Data transfer between isolated clusters is imperative for cybersecurity education, research, and testing. Such techniques facilitate hands-on cybersecurity learning in isolated clusters, allow cybersecurity students to practice with various hacking tools, and develop professional cybersecurity technical skills. Educators often use these remote learning environments for research as well. Researchers and students use these isolated environments to test sophisticated hardware, software, and procedures using full-fledged operating systems, networks, and applications. Virus and malware researchers may wish to release suspected malicious software in a controlled environment to observe their behavior better or gain the information needed to assist their reverse engineering processes. …


The Unheard Voices Of The Arkansas Delta: Living Through School Desegregation, Tameka D. Williams Dec 2023

The Unheard Voices Of The Arkansas Delta: Living Through School Desegregation, Tameka D. Williams

ATU Theses and Dissertations 2021 - Present

This study was guided by the central research question: What are the lived experiences and perceptions of former African American teachers and students that endured segregation, desegregation, and integration in Arkansas' Delta? The phenomenological study used eight former African American teachers and student participants. Of the participants, there were four former teachers and four former students. In this study, the participants' voices are captured as they share their experiences and perception of each phase of education that influenced their lives and left an everlasting imprint. Through counternarratives, the participants provided insight into education in the Arkansas Delta during school segregation, …


Is The Declining Birthrate Really An Issue For The Economy?, Harsh Ramesh Pednekar, Theodore Lee, Darrion Chin Dec 2023

Is The Declining Birthrate Really An Issue For The Economy?, Harsh Ramesh Pednekar, Theodore Lee, Darrion Chin

Introduction to Research Methods RSCH 202

This study aims to explore the complex implications of declining birth rates on the economy, focusing on GDP per capita as a crucial metric, and aims to uncover both potential opportunities and challenges stemming from this demographic transformation using regression analysis. Using a quantitative methodology and secondary data from OECD.stat, World Population Review, and World Bank, the study explores the relationship between declining birth rates and economic impacts. GDP per capita serves as an essential dependent variable, and it accounts for control variables such as labour force participation, literacy, and education levels, child dependence ratio, and physical capital. Past studies …


External Debt Pass-Through To Inflation In Nigeria, Emmanuel A. Asue, James V. Ikyaator Dec 2023

External Debt Pass-Through To Inflation In Nigeria, Emmanuel A. Asue, James V. Ikyaator

CBN Journal of Applied Statistics (JAS)

This study examines external debt pass-through to inflation in Nigeria using annual data from 1981 to 2020 based on structural vector autoregressive (SVAR) model. The results reveal that an increase in external debt service leads to a significant depreciation of the exchange rate, which leads to a contemporaneous increase in inflation, while the direct response of inflation to external debt is statistically not significant. The impulse response confirms these results. The forecast error variance decomposition depicts that future values of official exchange rate depend on external debt, inflation and external debt service. The study recommends that the Nigerian government should …


Financial Inclusion And Poverty Reduction In Nigeria: The Role Of Microfinance Institutions, Okwudili W. Ugwuoke, Oliver E. Ogbonna, Aye-Agele Freeman Dec 2023

Financial Inclusion And Poverty Reduction In Nigeria: The Role Of Microfinance Institutions, Okwudili W. Ugwuoke, Oliver E. Ogbonna, Aye-Agele Freeman

CBN Journal of Applied Statistics (JAS)

This study investigates the role of microfinance institutions as a vehicle for driving financial inclusion and alleviating poverty in Nigeria using the EFinA 2018 household survey data. The probit model, propensity score matching, and average treatment effect methods are applied for the analyses. The study finds that financial inclusion driven by access to, and usage of products/services provided by microfinance institutions reduces poverty. The study recommends among others the need for increased access to microfinance products/services and an integrated poverty reduction policies that identifies microfinance institutions as a critical enabler


How Chatgpt Can Be Used As A Defense Mechanism For Cyber Attacks, Michelle Ayaim Dec 2023

How Chatgpt Can Be Used As A Defense Mechanism For Cyber Attacks, Michelle Ayaim

Cybersecurity Undergraduate Research Showcase

The powers of OpenAI's groundbreaking AI language model, ChatGPT, startled millions of users when it was released in November. But for many, the tool's ability to further accomplish the goals of evil actors swiftly replaced their initial excitement with significant concerns. ChatGPT gives malicious actors additional ways to possibly compromise sophisticated cybersecurity software. Leaders in a sector that is currently suffering from a 38% global spike in data breaches in 2022 must acknowledge the rising influence of AI and take appropriate action. Cybercriminals are writing more complex and focused business email compromise (BEC) and other phishing emails with the assistance …


Explorelah: Personalised And Smart Trip Planner For Mobile Tourism, Aldy Gunawan, Siu Loon Hoe, Xun Yi Lim, Linh Chi Tran, Dang Viet Anh Nguyen Dec 2023

Explorelah: Personalised And Smart Trip Planner For Mobile Tourism, Aldy Gunawan, Siu Loon Hoe, Xun Yi Lim, Linh Chi Tran, Dang Viet Anh Nguyen

Research Collection School Of Computing and Information Systems

Various recommender systems for mobile tourism have been developed over the years. However, most of these recommender systems tend to overwhelm users with too much information and may not be personalised to user preferences. In this paper, we introduce ExploreLah, a personalised and smart trip planner for exploring Point of Interests (POIs) in Singapore. The user preferences are categorised into five groups: shopping, art & culture, outdoor activity, adventure, and nightlife. The problem is considered as the Team Orienteering Problem with Time Windows. The algorithm is developed to generate itineraries. Simulated experiments using test cases were performed to evaluate and …


Security Compliance And Work-Issued Mobile Devices: Out Of Sight, Out Of Mind?, Kent Marett, Shan Xiao, Sumin Kim Dec 2023

Security Compliance And Work-Issued Mobile Devices: Out Of Sight, Out Of Mind?, Kent Marett, Shan Xiao, Sumin Kim

Business and Information Technology Faculty Research & Creative Works

For security, economic, and efficiency reasons, many businesses supply mobile devices to employees to use both in the workplace and remotely, accompanied by policies governing their appropriate use. Extant research has shown that work-issued mobile devices can disrupt employees' perceptions of work-life balance (WLB) and, indeed, WLB can impact employees' job satisfaction and performance. The global COVID-19 pandemic meant that more employees than usual performed their work remotely, but this situation may have not fit the preferred WLB for some. Did this encroachment mean that appropriate use policies were forgotten? We conducted two rounds of surveys, one pre-pandemic and the …


Estimating Financial And Environmental Risk: Some New Developments And Comparison Study., Fnu Kamronnaher Dec 2023

Estimating Financial And Environmental Risk: Some New Developments And Comparison Study., Fnu Kamronnaher

All Dissertations

This dissertation delves into the concept of risk, specifically focusing on two prominent categories: financial risk and environmental risk.

Financial risk is the probability of unfavorable outcomes of an investment while environmental risk refers to the possible harm to the environment resulting from extreme weather events. More specifically, risk is the high (low) quantiles of the distribution of variables of interest. \\ To quantify and assess uncertainties in financial and environmental risk, robust and reliable methodologies are needed. The aim of this dissertation is to develop some risk assessment methods and compare them with the widely used methodologies in both …


Technical Maturity And Network Effects Of Xf Artificial Intelligence Open Platform, Tao Jiang Dec 2023

Technical Maturity And Network Effects Of Xf Artificial Intelligence Open Platform, Tao Jiang

Dissertations and Theses Collection (Open Access)

Studying the impact mechanism of the commercial value of artificial intelligence open technology platforms has theoretical and practical significance. This article aims to enrich and expand the theoretical research on technology maturity, value co creation, and network effects on open technology platforms at home and abroad through empirical research on artificial intelligence open technology platforms and ecology. This study takes XF's open technology platform case as the research object, and based on technology maturity theory, value co creation, and network effects theory, examines the network effect value creation mechanism of open technology platforms driven by technology maturity in three development …


Clueless: Revolutionizing Sustainable Fashion And Combating Overconsumption, Tanya Ravichandran Dec 2023

Clueless: Revolutionizing Sustainable Fashion And Combating Overconsumption, Tanya Ravichandran

Graphic Communication

“Clueless” revolutionizes sustainable fashion by combating wardrobe overconsumption and the industry’s carbon footprint, using AI to suggest personalized outfits from existing wardrobes tailored to weather and wear history. It enhances user engagement through features like outfit ‘shuffle’ and provides insights into wardrobe utilization and carbon impact.

It’s more than an app; it’s a step towards a greener wardrobe and a healthier planet.


The Persuasive Effect Of Ai-Synthesized Voices, Hannah H. Chang, Anirban Mukherjee Dec 2023

The Persuasive Effect Of Ai-Synthesized Voices, Hannah H. Chang, Anirban Mukherjee

Research Collection Lee Kong Chian School Of Business

Artificial intelligence (AI) technology seeks to emulate humans. One aspect is AI-synthesized voices, used in voice assistants (such as Amazon Alexa, Apple Siri, and Google Assistant) to assistive technologies (such as voiceover narration in product videos). For example, there are currently more than 3.25 billion voice assistants; a number that is expected to touch about 8 billion by next year (i.e., 2023) (Statista 2022). With the extensive availability and enhanced accuracy of AI-synthesized voices, consumer research is starting to examine the impact of AI-synthesized voices on consumer information processing and decision making. The extant literature, however, is relatively limited because …


Assessing The Effectiveness Of A Chatbot Workshop As Experiential Teaching And Learning Tool To Engage Undergraduate Students, Kyong Jin Shim, Thomas Menkhoff, Ying Qian Teo, Clement Shi Qi Ong Dec 2023

Assessing The Effectiveness Of A Chatbot Workshop As Experiential Teaching And Learning Tool To Engage Undergraduate Students, Kyong Jin Shim, Thomas Menkhoff, Ying Qian Teo, Clement Shi Qi Ong

Research Collection School Of Computing and Information Systems

In this paper, we empirically examine and assess the effectiveness of a chatbot workshop as experiential teaching and learning tool to engage undergraduate students enrolled in an elective course “Doing Business with A.I.” in the Lee Kong Chian School of Business (LKCSB) at Singapore Management University. The chatbot workshop provides non-STEM students with an opportunity to acquire basic skills to build a chatbot prototype using the ‘Dialogflow’ program. The workshop and the experiential learning activity are designed to impart conversation and user-centric design know how and know why to students. A key didactical aspect which informs the design and flow …


The Value Of Official Website Information In The Credit Risk Evaluation Of Smes, Cuiqing Jiang, Chang Yin, Qian Tang, Zhao Wang Dec 2023

The Value Of Official Website Information In The Credit Risk Evaluation Of Smes, Cuiqing Jiang, Chang Yin, Qian Tang, Zhao Wang

Research Collection School Of Computing and Information Systems

The official websites of small and medium-sized enterprises (SMEs) not only reflect the willingness of an enterprise to disclose information voluntarily, but also can provide information related to the enterprises’ historical operations and performance. This research investigates the value of official website information in the credit risk evaluation of SMEs. To study the effect of different kinds of website information on credit risk evaluation, we propose a framework to mine effective features from two kinds of information disclosed on the official website of a SME—design-based information and content-based information—in predicting its credit risk. We select the SMEs in the software …


Class Participation: Using Technology To Enhance Efficiency And Fairness, Benjamin Gan, Eng Lieh Ouh Dec 2023

Class Participation: Using Technology To Enhance Efficiency And Fairness, Benjamin Gan, Eng Lieh Ouh

Research Collection School Of Computing and Information Systems

Class participation can be considered as contribution to discussion, attendance, presentations, unsolicited responses, questions, comments, etc. What counts may vary across individual teachers. The more students participate, the less memorization they do, and the more they engage in higher levels of thinking, including interpretation, analysis, and synthesis. However, only a handful of students in many classrooms participate regularly, a phenomenon dubbed as "consolidation of responsibility". This study provides a literature review of inclass participation, as well as pedagogies and technologies that enhance participation. Pedagogies such as active learning, group learning, project-based learning and flipped classroom. Technologies to automate attendance taking, …


Vision Paper: Advancing Of Ai Explainability For The Use Of Chatgpt In Government Agencies: Proposal Of A 4-Step Framework, Hui Shan Lee, Shankararaman, Venky, Eng Lieh Ouh Dec 2023

Vision Paper: Advancing Of Ai Explainability For The Use Of Chatgpt In Government Agencies: Proposal Of A 4-Step Framework, Hui Shan Lee, Shankararaman, Venky, Eng Lieh Ouh

Research Collection School Of Computing and Information Systems

This paper explores ChatGPT’s potential in aiding government agencies, drawing from a case study based on a government agency in Singapore. While ChatGPT’s text generation abilities offer promise, it brings inherent challenges, including data opacity, potential misinformation, and occasional errors. These issues are especially critical in government decision-making.Public administration’s core values of transparency and accountability magnify these concerns. Ensuring AI alignment with these principles is imperative, given the potential repercussions on policy outcomes and citizen trust.AI explainability plays a central role in ChatGPT’s adoption within government agencies. To address these concerns, we propose strategies like prompt engineering, data governance, and …


Preparing Uk Students For The Workplace: The Acceptability Of A Gamified Cybersecurity Training, Oliver J. Mason, Siobhan Collman, Stella Kazamia, Ioana Boureanu Nov 2023

Preparing Uk Students For The Workplace: The Acceptability Of A Gamified Cybersecurity Training, Oliver J. Mason, Siobhan Collman, Stella Kazamia, Ioana Boureanu

Journal of Cybersecurity Education, Research and Practice

This pilot study aims to assess the acceptability of Open University’s training platform called Gamified Intelligent Cyber Aptitude and Skills Training course (GICAST), as a means of improving cybersecurity knowledge, attitudes, and behaviours in undergraduate students using both quantitative and qualitative methods. A mixed-methods, pre-post experimental design was employed. 43 self-selected participants were recruited via an online register and posters at the university (excluding IT related courses). Participants completed the Human Aspects of Information Security Questionnaire (HAIS-Q) and Fear of Missing Out (FoMO) Scale. They then completed all games and quizzes in the GICAST course before repeating the HAIS-Q and …


Journal Of Roleplaying Studies And Steam (Jrpssteam) Vol. 2 [2023], (Issue 2)., Ricardo Morales-Carbajal, Cristo Leon, Sarah Lynne Bowman, Ligia-Estefania Estefania Canul-Noh, Vania C. Tovilla, Laura I. Quiroz, Elektra Diakolambrianou Nov 2023

Journal Of Roleplaying Studies And Steam (Jrpssteam) Vol. 2 [2023], (Issue 2)., Ricardo Morales-Carbajal, Cristo Leon, Sarah Lynne Bowman, Ligia-Estefania Estefania Canul-Noh, Vania C. Tovilla, Laura I. Quiroz, Elektra Diakolambrianou

Journal of Roleplaying Studies and STEAM

Editorial

Sangre, sudor, lágrimas y burocracia

Estamos muy contentos con la edición de este tercer número del Journal of Roleplaying Studies and STEAM, en primer lugar porque ¡ya contamos con ISSN!, suena a un logro menor pero debemos considerar los vericuetos burocráticos por los que hemos pasado semana tras semana para lograrlo. En segundo lugar, ¡por fin tenemos un artículo en inglés!, lo cual es motivo de celebración porque además es para nosotros un honor que sea de Elektra Diakolambrianou y Sarah Lynne Bowman, quienes en una gran muestra de confianza enviaron para dictamen su artículo denominado Dual Consciousness: What …


De Las 7 Bolas De Dragón A Los 7 Reinos De Poniente: Viajando Por La Ficción Para Transformar La Realidad, Vania C. Tovilla Nov 2023

De Las 7 Bolas De Dragón A Los 7 Reinos De Poniente: Viajando Por La Ficción Para Transformar La Realidad, Vania C. Tovilla

Journal of Roleplaying Studies and STEAM

resumen

El libro es una muestra de la experiencia y dedicación que tiene Issac Pérez López, quien con más de veinte años de práctica en la creación de entornos lúdicos nos sumerge en una suerte de juego donde al leer sus páginas a través de un lenguaje coloquial y cercano. . a la realidad de los docentes del “Cole” nos ejemplifica y ayuda a comprender un poco más los conceptos y pasos que involucran el término “gamificación”.

Podría ser considerado un libro de autoayuda potenciado (en el buen sentido) para los docentes que se están integrando al mundo de los …


Editorial - Sangre, Sudor, Lágrimas Y Burocracia, Mauricio Rangel Nov 2023

Editorial - Sangre, Sudor, Lágrimas Y Burocracia, Mauricio Rangel

Journal of Roleplaying Studies and STEAM

Estamos muy contentos con la edición de este tercer número del Journal of Roleplaying Studies and STEAM, en primer lugar porque ¡ya contamos con ISSN!, suena a un logro menor pero debemos considerar los vericuetos burocráticos por los que hemos pasado semana tras semana para lograrlo.


Aprendizaje Situado En Mundos Virtuales, Una Experiencia De Participación A Través De Juegos De Rol., Vania C. Tovilla Nov 2023

Aprendizaje Situado En Mundos Virtuales, Una Experiencia De Participación A Través De Juegos De Rol., Vania C. Tovilla

Journal of Roleplaying Studies and STEAM

En tiempos actuales el uso de las tecnologías y la comunicación masiva se hace cada vez más frecuente, ya sea por medio de Internet, los teléfonos inteligentes y otros instrumentos que quizás resignifican el modo en el que los jóvenes en la actualidad conciben términos como virtualidad, aprendiendo y sobre toda la realidad, relacionándose con otros alrededor de todo el mundo. Es quizás por este auge de tecnologías que surgió en el año 2003, la herramienta virtual Second Life ; concebida como un mundo complejo y completamente virtual que permite a los usuarios aprender y vivir en otra realidad como …


Integrity, Confidentiality, And Equity: Using Inquiry-Based Labs To Help Students Understand Ai And Cybersecurity, Richard C. Alexander, Liran Ma, Ze-Li Dou, Zhipeng Cai, Yan Huang Nov 2023

Integrity, Confidentiality, And Equity: Using Inquiry-Based Labs To Help Students Understand Ai And Cybersecurity, Richard C. Alexander, Liran Ma, Ze-Li Dou, Zhipeng Cai, Yan Huang

Journal of Cybersecurity Education, Research and Practice

Recent advances in Artificial Intelligence (AI) have brought society closer to the long-held dream of creating machines to help with both common and complex tasks and functions. From recommending movies to detecting disease in its earliest stages, AI has become an aspect of daily life many people accept without scrutiny. Despite its functionality and promise, AI has inherent security risks that users should understand and programmers must be trained to address. The ICE (integrity, confidentiality, and equity) cybersecurity labs developed by a team of cybersecurity researchers addresses these vulnerabilities to AI models through a series of hands-on, inquiry-based labs. Through …


Building A Diverse Cybersecurity Workforce: A Study On Attracting Learners With Varied Educational Backgrounds, Mubashrah Saddiqa, Kristian Helmer Kjær Larsen1 Helmer Kjær Larsen, Robert Nedergaard Nielsen, Jens Myrup Pedersen Nov 2023

Building A Diverse Cybersecurity Workforce: A Study On Attracting Learners With Varied Educational Backgrounds, Mubashrah Saddiqa, Kristian Helmer Kjær Larsen1 Helmer Kjær Larsen, Robert Nedergaard Nielsen, Jens Myrup Pedersen

Journal of Cybersecurity Education, Research and Practice

Cybersecurity has traditionally been perceived as a highly technical field, centered around hacking, programming, and network defense. However, this article contends that the scope of cybersecurity must transcend its technical confines to embrace a more inclusive approach. By incorporating various concepts such as privacy, data sharing, and ethics, cybersecurity can foster diversity among audiences with varying educational backgrounds, thereby cultivating a richer and more resilient security landscape. A more diverse cybersecurity workforce can provide a broader range of perspectives, experiences, and skills to address the complex and ever-evolving threats of the digital age. The research focuses on enhancing cybersecurity education …


Management Of Operations In Projects Including Planning, Organization And Control From The Beginning To The End Of Implementation, Burim Isa Berisha Dr.Sc Nov 2023

Management Of Operations In Projects Including Planning, Organization And Control From The Beginning To The End Of Implementation, Burim Isa Berisha Dr.Sc

International Journal of Business and Technology

The project usually arises as soon as the client’s need is identified, and goes through all the extensive phases and sub-phases to take its true form and put into operation. The project is divided into two main parts that include Planning and Implementation that are separate in these stages: definition, planning, organization, control, completion. Planning involves a detailed calculation of the project. This includes known facts, admissible facts and risk calculation. Activity model used by IKOMs Planning as a process involves the cost that accompanies it. The manager must strike the balance between cost and benefit. Project control uses data …


Project Planning And Control, Burim Isa Berisha Dr.Sc Nov 2023

Project Planning And Control, Burim Isa Berisha Dr.Sc

International Journal of Business and Technology

Operations management is important because it relates to the creation of products and services on which we are all dependent. Operations management is also quite motivating; operations are the center of many changes that affect business - changes in customer preferences, changes in the supply chain caused by technologies based on the businesses where we work, where we want to work and so on.

Operations Management includes the role of operations management, the various characteristics of processes, management activities, the responsibilities of managers, and the timely evolution of Operations Management.

Operations Management is a constant change, fostering creativity which allows …


Long-Term Auditor-Client Relationship And Its Effects On The Audit Quality, Burim Isa Berisha Dr.Sc Nov 2023

Long-Term Auditor-Client Relationship And Its Effects On The Audit Quality, Burim Isa Berisha Dr.Sc

International Journal of Business and Technology

Apart from this, the long-term Auditor client relationship has been the center of attention in most of the discussions and debates as well. Numerous studies have been conducted by the academic researchers, financial and professional analysts, regulatory authorities and governing bodies, and in some cases by the Auditors and the firms as well regarding the effects of long-term Auditor-client relationship on audit quality, equity risk premium, financial reports quality, audit pricing etc. These studies provide us with different results, both with the positive and negative associations and effects of long-term Auditor-client relationship on the basis of different factors and contexts. …


Management Of Small Enterprises And Family Businesses In The Republic Of Kosovo, Burim Isa Berisha Dr.Sc, Burim Berisha B.B Nov 2023

Management Of Small Enterprises And Family Businesses In The Republic Of Kosovo, Burim Isa Berisha Dr.Sc, Burim Berisha B.B

International Journal of Business and Technology

Small businesses represent the driving force of an economy. They are the key that enables the production and marketing of thousands of products and services thus becoming the basis for a sound economic development. Consequently, small businesses are of vital importance to the economy.

Small business is a generator of innovation and a source of new jobs. The trend shows that small businesses are the backbone of all developments and movements in the economic system.

The small business scope is present in almost every pore of social and economic life.

According to the Statistical Register for Businesses, there are 9,358 …


The Process Of Adapting Innovations In Banking Services By Businesses In Kosovo, Burim Isa Berisha Dr.Sc, Burim Berisha B.B Nov 2023

The Process Of Adapting Innovations In Banking Services By Businesses In Kosovo, Burim Isa Berisha Dr.Sc, Burim Berisha B.B

International Journal of Business and Technology

This dissertation addresses the importance of a business model from businesses in Kosovo, which is able to adapt innovations from the banking sector such as digital services, and through which become part of a global market where such developments occur step by step. very fast At the beginning of this paper will be given definitions related to the main concepts that are addressed such as business model, innovations in banking services - digitalization of services and the role and importance of linking a business model with banking services of the time. After the theoretical part, from which the main concepts …