Technology and Innovation Commons^™

Digital Banking: Overcoming Barriers To Entry, Alan Megargel

Dissertations and Theses Collection

This dissertation examines digital banking from the perspective of two types of industry participants; non-bank FinTech alternative [substitute] financial service providers whom are intent on disrupting the market, and [incumbent] traditional banks whom are urgently pursing digital strategies in order to counteract the FinTech threat. This study is motivated by five main research questions: (1) Are FinTech firms disrupting traditional banks, and if so, what are the modes of disruption? (2) Do tradition banks view FinTech firms as a threat, and if so, what are they doing about it? (3) What are the various digital banking strategies, and how are …

Purposeful Building Of Social Capital And The Adoption Of Essential Tools And Technologies In Impoverished Communities In The Philippines, Chon Phung Lim

Dissertations and Theses Collection

Despite its popularity and a wide range of applications, social capital is a contested concept. There is also no agreement on whether social capital responds well to external interventions. Many scholars found no or, at most, mixed impacts that social capital can be purposefully developed. However, Burt and Ranchi (2007) and Janicik and Larrick (2005) provided compelling evidence that simple network training can significantly improve participants’ ability to see gaps in their network and develop social capital.

The manifestations of social capital are context-dependent and complex, and rarely map into a single discipline or methodology (Jones and Woolcock, 2007). Hence, …

The Lessons We Learned From A Smart Nation: Germany, Thomas Menkhoff, Jonas Schorr

Research Collection Lee Kong Chian School Of Business

A study trip tp Germany by a group of Singapore Management University students offers insights into how this European nation has built its cities sustainably and innovatively.

Lyf@Smu: A Collaborative Approach To Innovation, Kevin Koh

2018 Reimagine Future Learning Spaces

No abstract provided.

Re-Imagining Space For Next Generation Learners, Mark Roehrs [email protected], Fiona Nixon [email protected], Tamagin Blake-Smith [email protected], Razvan Ghilic-Micu [email protected]

2018 Reimagine Future Learning Spaces

No abstract provided.

Using Mobile Technology To Improve Educational Space Usage And Student Engagement, Rajesh Balan

2018 Reimagine Future Learning Spaces

No abstract provided.

International Comparative Study Of Informal Learning Spaces Policies, Design Principles And Outcomes On The Teaching & Learning Practices And Campuses Transformation, John Augeri

2018 Reimagine Future Learning Spaces

No abstract provided.

Engaging The Sports Fan In The Smartphone Age, Singapore Management University

Perspectives@SMU

Technology has made sports accessible to more people. It has also changed sports’ relationship with the most ardent fans

How To Build A Retail Website That Keeps On Selling, Singapore Management University

Perspectives@SMU

E-commerce appeal is a dynamic art and firms need to keep up

With e-commerce giant Amazon launching its online retail service in Australia to a muted reception, new research from Eric Lim and his colleagues, Fei Liu, Bo Xiao and Chee-Wee Tan, on the impact of product appeal and website quality on online purchases is timely.

Library Services Platform: A Platform For Innovation, Salihin Mohammed Ali

Research Collection Library

In Aug 2015, SMU Libraries migrated to a Library Services Platform (LSP) called Alma. Branded as the next-generation Integrated Library Systems (ILSs), LSPs take advantage of cloud computing and Web technologies to manage physical, digital and electronic materials in a unified manner. Since the adoption of Alma, SMU Libraries have transformed the way it organizes and functions namely in areas of talent management, assessment and service development.

Cryptocurrency: A New Investment Opportunity?, David Kuo Chuen Lee, Li Guo, Yu Wang

Research Collection Lee Kong Chian School Of Business

Bitcoin was the first cryptocurrency to use blockchain and has been the market leader since the first bitcoin was mined in 2009. After the birth of Bitcoin with the genesis block, more than 1,000 altcoins and crypto-tokens have been created, with at least 919 trading actively on unregulated or registered exchanges. This entire class of cryptocurrencies and tokens has been classified by some tax authorities as having the same status as commodities. If cryptocurrency is viewed in the same class as commodities, how different is it in terms of its risk and return structure? This article sets out to help …

How Do Small Business Innovate And Improve Competitiveness, Anirban Mukherjee, Hannah H. Chang

Research Collection Lee Kong Chian School Of Business

No abstract provided.

The Hybrid Trap: Why Most Efforts To Bridge Old And New Technology Miss The Mark, Fernando F. Suarez, James Utterback, Paul Von Gruben, Hye Young Kang

Research Collection Lee Kong Chian School Of Business

Technological transitions are challenging, particularly for companies in mature industries. Incumbents are frequently blindsided by new technologies, fully missing opportunities to enter emerging markets early. While some established companies do possess the awareness and dexterity to become early adopters of new technologies, they typically lack the vision and the commitment to become leaders. Too often, they cling to the familiar, developing hybrid products that combine elements of the old and the new. The trouble is, hybrid strategies put even the best incumbent companies in a weak position when the market finally embraces the new technology. We call this the "hybrid …

How Data Analytics May Turn Smes Into Smart Enterprises, Gary Pan, Poh Sun Seow

Research Collection School Of Accountancy

No abstract provided.

Technologies For Ageing-In-Place: The Singapore Context, Nadee Goonawardene, Pius Lee, Hwee Xian Tan, Alvin C. Valera, Hwee-Pink Tan

Research Collection School Of Computing and Information Systems

The number of elderly citizens aged 65 and above in Singapore, is expected to double from 440,000in 2015, to 900,000 by 2030. Along with this “Silver Tsunami” is the upward trend of the numberof elderly who are living alone — which is estimated to increase from 35,000 in 2012 to 83,000 by2030. These exclude elderly who are alone at home when their family members are working.Elderly who are staying alone are at higher risk of social isolation and tend to have poorer accessto healthcare. In addition, the general elderly population is typically more susceptible to deteriorating health conditions, which can …

Evolution Of Digital Payments: Early Learnings From Singapore’S Cashless Payment Drive, Dennis Ng

Research Collection Lee Kong Chian School Of Business

This paper discusses the digital payment scenario unfolding in Singapore as the country’s government ponders the tremendous leap made by China in the digital payment space. The paper discusses possible key factors contributing to the success of digital payments in China, such as the success of WeChat, and whether this could be replicated in a country like Singapore. Although China and Singapore are vastly different in size, they share many similarities, including a strong one-party government which is actively involved in the direction and growth of the economy. Both countries share similar cultural and social influences including materialism, IT adoption …

The Capacity To Innovate: A Meta Analysis Of Absorptive Capacity, Tengjian Zou, Gokhan Ertug, Gerard George

Research Collection Lee Kong Chian School Of Business

For nearly 30 years, ACAP has been the bedrock of theories of innovation. A meta-analysis is timely to glean insights from the rich empirical evidence to date and guide future work on the topic. Our meta-analysis of 241 studies reveals that ACAP is a strong predictor of innovation and knowledge transfer, and that its effects on financial performance are fully mediated by these two outcomes. As different from most theoretical discourse, we also find that the firm size-ACAP relationship is positive for small firms but negative for larger firms and that the firm age-ACAP relationship is negative for mature firms …

Upping The Game Of Taxi Driving In The Age Of Uber, Shashi Shekhar Jha, Shih-Fen Cheng, Meghna Lowalekar, Wai Hin Wong, Rajendram Rishikeshan Rajendram, Trong Khiem Tran, Pradeep Varakantham, Nghia Truong Trong, Firmansyah Abd Rahman

Research Collection School Of Computing and Information Systems

In most cities, taxis play an important role in providing point-to-point transportation service. If the taxi service is reliable, responsive, and cost-effective, past studies show that taxi-like services can be a viable choice in replacing a significant amount of private cars. However, making taxi services efficient is extremely challenging, mainly due to the fact that taxi drivers are self-interested and they operate with only local information. Although past research has demonstrated how recommendation systems could potentially help taxi drivers in improving their performance, most of these efforts are not feasible in practice. This is mostly due to the lack of …

Smart Cities And Urban Management, Singapore Management University

Research Collection Office of Research

In this booklet, read about SMU’s research and initiatives related to smart cities and urban management, and how we strive to make meaningful impact on business, government and society for Singapore and beyond.

Contents:

Liveability and quality of life

• Community participation through mobile crowdsourcing
• Smarter, healthier eating with Food AI
• Data-driven community eldercare platform for sustainable ageing-in-place
• A date with AI
• Smart mobility accessibility for barrier-free access
• Food security

Optimisation and resource management

• Collaborative urban delivery optimisation
• Seat occupancy detection through capacitance sensing
• Large-scale crowd simulation based on real-world data
• Gaining insights through Wi-Fi technology
• Taxi driver guidance system
• Efficiency …

Real-Time Inbound Marketing: A Use Case For Digital Banking, Alan Megargel, Venky Shankararaman, Srinivas K. Reddy

Research Collection School Of Computing and Information Systems

Over the years banks have been strategically using digital technologies to help transform various aspects of their business. In recent times, this strategy has evolved into one of digital augmentation of the bank’s processes, products and channels. This allows for reaching out to customers and partners through digital platforms, for example; the addition of mobile apps for customers to access and perform service transactions. Marketing continues to play a major role in supporting the expansion of business and increasing revenue for the bank. Marketing has evolved from mass direct targeting to more personalised, face-to-face and real-time targeting. In the digital …

Singapore Approach To Develop And Regulate Fintech, Sai Fan Pei

Research Collection Lee Kong Chian School Of Business

This paper starts with a brief introduction of the recent organizational support established by The Monetary Authority of Singapore (MAS) to promote the fast developing FinTech (financial technology) sector. Basing on its existing “balanced” approach in promoting financial development and ensuring a safe and sound financial sector, and in sync with its objective to harness technology to improve the efficiency of the financial markets, the paper elaborates on the insights of MAS' policy intent in regulating the FinTech sector. The paper then focuses on MAS' proposed “Regulatory Sandbox” – an innovative regulatory framework which helps to strike a good balance …

Real-World Large-Scale Iot Systems For Community Eldercare: A Comparative Study On System Dependability, Hwee-Pink Tan, Austin Zhang

Research Collection School Of Computing and Information Systems

The paradigm of aging-in-place — where the elderly live and age in their own homes, independently and safely, with care provided by the community — is compelling, especially in societies that face both shortages in institutionalized eldercare resources, and rapidly-aging populations. Internet-of-Things (IoT) technologies, particularly in-home monitoring solutions, are commercially available, and can be a fundamental enabler of smart community eldercare, if they are dependable. In this paper, we present our findings on system performance of solutions from two vendors, which we have deployed at scale for technology-enabled community care. In particular, we highlight the importance of quantifying actual system …

Effect Of A Ubiquitous Moral Cue On Ethical Leadership, Moral Disengagement And Goal Difficulty: Real-World Outcomes Of A Novel Behavioural Intervention By Mobile Application Technology, Boon Heon Tan

Dissertations and Theses Collection (Open Access)

Firms invest significant resources in their ethical infrastructure to influence the ethical decision-making of employees. The advent of mobile technology has extended the frontier of interventions that may discourage unethical behaviour, through the use of ubiquitously-present mobile-based moral cues. I conducted a prospective, randomized field experiment, to study how a ubiquitous moral cue may positively enhance ethical decision-making. Sales professionals working in a pharmaceutical firm in China were assigned randomly by teams to either receive, or not, a mobile application from their firm’s compliance department. Over six months, participants completed three cross-sectional surveys, and were randomly monitored by an independent …

Artificial Intelligence Research In Singapore: Assisting The Development Of A Smart Nation, Pradeep Varakantham, Bo An, Bryan Low, Jie Zhang

Research Collection School Of Computing and Information Systems

Artificial Intelligence (AI) research in Singapore is focused on accelerating the country’s development into a Smart Nation. Specifically, AI has been employed extensively in either augmenting the intelligence of humans or in developing automated methods and systems to improve quality of life in Singapore.

When Is The Best Time To Release A New Smartphone?, Singapore Management University

Perspectives@SMU

Pent-up consumer demand can drive profits, but there are risks

In the world of technology, advances occur at breakneck speed and history tells us that if companies don’t lead the pack, they pay a high price – oblivion.

From Capitol Hill To Venture Capital, Singapore Management University

Perspectives@SMU

The CEO of Y! Combinator on how a ‘dumb idea’ became the world’s top videogaming community, the core of being an entrepreneur…and pizza

Cyber-Empathic Design: A Data-Driven Framework For Product Design, Dipanjan Ghosh, Andrew Olewnik, Kemper Lewis, Junghan Kim, Arun Lakshaman

Research Collection Lee Kong Chian School Of Business

A critical task in product design is mapping information from consumer to design space. Currently, this process largely depends on designers identifying and mapping psychological and consumer level factors to engineered attributes. In this way, current methodologies lack provision to test a designer's cognitive reasoning and could introduce bias when mapping from consumer to design space. In addition, current dominant frameworks do not include user-product interaction data in design decision making, nor do they assist designers in understanding why a consumer has a particular perception about a product. This paper proposes a framework-cyber-empathic (CE) design-where user-product interaction data are acquired …

What If Bots Collide And Collude In Setting Prices?, Singapore Management University

Perspectives@SMU

Conduct driven by algorithms is a challenge for competition law

Special Section: Technological Innovations For Communication And Collaboration In Social Spaces, Eric K. Clemons, Rajiv M. Dewan, Robert J. Kauffman, Thomas A. Weber

Research Collection School Of Computing and Information Systems

Research on social communication and collaboration is of high importance today in Information Systems, especially for interdisciplinary inquiry that emphasizes topics related to strategy, information, technology, economics, and society. The articles that are showcased in this special section of the Journal of Management Information Systems address issues that arise in a number of important contemporary contexts.

Configuring Innovative Societies: The Crossvergent Role Of Cultural And Institutional Varieties, Di Fan, Yi Li, Liang Chen

Research Collection Lee Kong Chian School Of Business

The study aims to explore why some societies are more innovative than others in high-technology sectors. Following a crossvergence perspective, we generate nine causal conditions by accommodating both cultural and institutional varieties: uncertainty avoidance, masculinity, individualism and power distance as culture indicators, and union density, skill development, market capitalization to credit, prevalence of cluster and state dominance as institutional indicators. Applying the configurational approach, we conducted fuzzy-set qualitative comparative analysis (fsQCA) on Organization for Economic Co-operation and Development (OECD) member countries. We confirm the equal importance of both cultural and institutional mechanisms as contributors to national innovativeness, and identify equifinal …