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The possibility of applying the value chain and continuous improvement and their role in cost rationalization
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FinTechs (Financial Technology Firms) are affecting the financial industry, especially that there are many customers moving away from traditional banks and going to FinTech solutions to fulfil their financial needs. These FinTechs provide financial products and services using different technologies covering various financial areas including lending/ financing. For instance, Peer-to-Business (P2B) financing platforms are one of FinTech solutions which has been growing rapidly in the past few years making many governments setting regulations to cater this trend.Bahrain is one of the countries that has issued number of regulations for FinTech activities including for Shariah Compliant P2B financing platforms. These types of platforms shall provide Islamic financing solutions for SMEs. However, as a new financial solution in the market it is expected to face some challenges in term SMEs adoption. Therefore, this research aims at building a conceptual framework for the strategic framework for FinTechs in Bahrain. The framework is built based on different sources of academic literature in domain space of Islamic Finance and FinTech (Islamic FinTech), in addition to theories like Technology Acceptance Model and Unified Theory of Acceptance and Use of Technology. The framework variables will be examined through mixed research method approach covering case study, semi-structured interviews, and an online survey. The research outcome shall be a strategic framework for FinTechs in Bahrain to ensure the adoption of SMEs to these platforms.
The research focuses on identifying the way in which Romanian universities managed to provide knowledge during the Coronavirus pandemic, when, in a very short time, universities had to adapt the educational process for exclusively online teaching and learning. In this regard, we analyzed students’ perception regarding online learning, their capacity to assimilate information, and the use of E-learning platforms. An online survey based on a semi-structured questionnaire was conducted. Data was collected from 762 students from two of the largest Romanian universities. The results of the research revealed that higher education institutions in Romania were not prepared for exclusively online learning. Thus, the advantages of online learning identified in other studies seem to diminish in value, while disadvantages become more prominent. The hierarchy of problems that arise in online learning changes in the context of the crisis caused by the pandemic. Technical issues are the most important, followed by teachers’ lack of technical skills and their teaching style improperly adapted to the online environment. However, the last place was assigned by students to the lack of interaction with teachers or poor communication with them. Based on these findings, research implications for universities and researchers are discussed.
The health crisis caused by the pandemic COVID-19 has been of such magnitude that the drop-off in economic and tourist activity in most countries is generating an economic crisis with consequences that are still difficult to measure. The present work analyses the origins and evolution of the coronavirus pandemic and reviews the literature related to the impacts and recovery strategies that were implemented in previous crisis situations affecting the hotel industry. In order to focus the study on one country, Spain was selected based on tourism indicators, the importance of tourism for this country and the importance of Spain as a leader in international tourist destinations. The influence of the pandemic on the Spanish tourism sector and, more specifically, on its hospitality industry is explored in depth. In addition, the main initiatives to support the tourism and hospitality sector that have been undertaken at the global, European and national levels are highlighted and, finally, the response and recovery strategies of the five largest Spanish hotel chains to guarantee a COVID-19-free stay in their facilities and to recover the accommodation activity are discussed.
Article Info Abstract Article History Received: July 16, 2020 E-learning is replacing the traditional classroom environment worldwide. Especially during the current Covid-19 outbreak, eLearning is a crucial source to continue educational activities. In this regard, this micro-level study aims to examine the teachers' perceptions regarding online learning as a substitute for formal education. By using the Technology Acceptance Model (TAM) as the conceptual framework, the researchers selected a brief sample of n= 30 university-level instructors from Rawalpindi, Pakistan. Further to affirm the study hypotheses, the researchers also conducted multiple regression analyses. Findings revealed a positive relationship between technology acceptance and eLearning during Covid-19 in Pakistan. Overall, the respondents expressed a favorable opinion concerning eLearning acceptance during the lockdown situation and its impacts on students' academic performance. However, due to weak infrastructure, the Education Ministry of Pakistan is also facing several challenges in implementing the eLearning system. Also, access to eLearning and students' indifferent attitude towards online learning are significant challenges. Thus the researchers recommend more studies to highlight teachers' opinions regarding the significance of eLearning. Therefore, the current study will not only help the local government to introduce practical strategies but also motivate students to accept eLearning as an essential part of their educational journey.
Nowadays, information technology (IT) is widely used as it provides the ability to collect, manipulate, store, disseminate data and information, and provide feedback mechanism to help business organizations in achieving their objectives. IT plays a vital role in enabling improvement in business process reengineering (BPR) activity cycles as it provides many components that enhance the performance and leads to competitive advantages. In
addition, IT also helps to redesign business processes to achieve common corporate goals and create value to customers. IT can help to improve main business processes in terms of communication, inventory management, data management, management information systems, customer relationship management, computer-aided design,
computer-aided manufacturing, and computer-aided engineering. In today’s world, competition level has been increasing dramatically for business. BPR provides a solution to this issue. Many corporations had become successful with BPR. Reengineering is the continuous modification and redesigning of business processes to achieve more improvement in quality, cost, performance, services and response in a business, whereas
business process is the activity which implement what consumer or market desire for a product or service. With process reengineering, business can increase in value for consumer both in internal and external. IT allows an efficient and effective change when work is performed. BPR contains three elements: input, processing, and outcome. The major problem for the business process is the processing part. BPR mostly focuses on the processing part so it can be more time and money consuming. Successfulness of BPR depends on many factors. One of the main factors is how to implement IT into process reengineering. IT is a major core of BPR and was called as a major cause for the change itself. Continued improvement in IT and abilities shows that IT’s role in process reengineering is not likely to be disparage. IT tends to create a high-executing organizational design while also contributing to organizations with the suppleness to redesign business processes.
The COVID-19 pandemic has not only had a significant and catastrophic effect on business and economies globally, but has identified the external and internal enablement of new venture creation. This paper aims to provide entrepreneurship insights, implementations and dynamics to demonstrate the role of entrepreneurship in times of such adversity within an Australian context. We provide emergent enquiry narratives from leading Australian scholars, identifying entrepreneurial initiatives as a catalyst to new venture creation and growth. Narratives include insights associated with the entrepreneurial mindset, the multidimensional effects of resilience and entrepreneurship, entrepreneurship education, entrepreneurship enablers and the entrepreneurial ecosystem. Opportunities for further research are identified, particularly regarding context and empirical outcomes. We postulate that entrepreneurship may well be the unsung hero during the current COVID-19 economic crisis.
The aim and objective of this research is to get a better understanding on the knowledge management system (KMS) practices and perception within higher education institutions (HEIs). This research will focus on three main aspects. The first aspect will be on identifying management tools used at the organizational level. Second, will be the supportive and hindrance factors on the adoption of KMS and the user perception and practices of KMS in the institution. A mix of methodologies is adapted to generate findings for this research. Both quantitative and qualitative methods will be used for this research through a questionnaire approach. The questionnaire is constructed in such a way that closed-ended questions and open-ended questions are included. The research has led to several important outcomes for the implementation of KMS in HEIs. This study has proposed a conceptual framework and support from other research outcomes (i.e., identification of the management tools used, the support and barriers for implementation, and user perception and practices for the KMS implementations).
In a context in which the tourism industry is jeopardised by the COVID-19 pandemic, and potentially by other pandemics in the future, the capacity to produce accurate forecasts is crucial to stakeholders and policy-makers. This paper attempts to forecast the recovery of tourism demand for 2021 in 20 destinations worldwide. An original scenario-based judgemental forecast based on the definition of a Covid-19 Risk Exposure index is proposed to overcome the limitations of traditional forecasting methods. Three scenarios are proposed, and ex ante forecasts are generated for each destination using a baseline forecast, the developed index and a judgemental approach. The limitations and potential developments of this new forecasting model are then discussed.
The factors that influence the adoption of Islamic finance in SMEs are the subject of many studies. In Morocco, no study has attempted to develop a model of adoption of Islamic finance in very small businesses. Our interest is to gain a better understanding of the internal and external determinants that influence the adoption of Islamic finance in microenterprises. Based on the model developed and previous studies, we have operationalized the different constructs, developing a research questionnaire for the leaders of TPE in Morocco. Subsequently, we conducted an exploratory and confirmatory factor analysis, based on a sample of 164 SME leaders. These different analyzes gave birth to a new model explaining the path through which the leaders of the VSEs can opt for Islamic financing in the Moroccan context.
Purpose of this study
The situations of COVID-19 will certainly have an adverse effect over and above health care on factors of the internet of things (IoT) market. To overcome all the above issues, IoT devices and sensors can be used to track and monitor the movement of the people, so that necessary actions can be taken to prevent the spread of coronavirus disease (COVID-19). Mobile devices can be used for contact tracing of the affected person by analyzing the geomap of the travel history. This will prevent the spread and reset the economy to the normal condition.
Design/methodology/approach
To respond to the global COVID-19 outbreak, the social-economic implications of COVID-19 on specific dimensions of the global economy are analyzed in this study. The situations of COVID-19 will certainly have an adverse effect over and above health care on factors of the IoT market. To overcome these issues IoT devices and sensors can be used to track and monitor the movement of the people so that necessary actions can be taken to prevent the spread of COVID-19. Mobile devices can be used for contact tracing of the affected person by analyzing the geomap of the travel history. This will prevent the spread and reset the economy to the normal condition. A few reviews, approaches, and guidelines are provided in this article along these lines. Moreover, insights about the effects of the pandemic on various sectors such as agriculture, medical industry, finance, information technology, manufacturing and many others are provided. These insights may support strategic decision making and policy framing activities for the top level management in private and government sectors.
Findings
With insecurities of a new recession and economic crisis, key moments such as these call for strong and powerful governance in health, business, government, and large society. Instant support measures have to be initiated and adapted for those who can drop through the cracks. Mid- and long-term strategies are required to stabilize and motivate the economy during this recession.
Originality/value
A comprehensive social-economic development strategy that consists of sector by sector schemes and infrastructure that supports business to ensure the success of those with reliable and sustainable business models is necessary. From the literature analysis and real world observations it is concluded that the IoT, sensors, wearable devices and computational technologies plays major role in preserving the economy of the country by preventing the spread of COVID-19.