International Journal of Innovation in Engineering
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Examining the impact of fintech on liquidity, credit, and market risks in the banking industry
Get PDFObjective: this research investiaged the iranian banking sector and its interaction with fintech and the effect of fintech on liquidity, credit, and market risk.
Method: this research is applied research in terms of classification by purpose and descriptive-analytical in terms of execution method. The study examined the relationship between the fintech index and credit risk, liquidity, and market in banks admitted to the Tehran Stock Exchange in the 11-year period between 2010 and 2020.
Findings: according to the proposed hypothesis, fintechs have a significant effect on bank liquidity risks, and fintech Index has a positive impact on market risk. Also fintech research has a significant effect on bank credit risks.
Conclusion: As a result, the research findings provide a valuable insights into fintech in the banking industry and its impact on the risk dimension. While it is aligned with previous research, there are also significant contradictions that favor further research. The findings highlight the dynamic nature of the relationship between fintech acceptance and risk management and emphasize the importance of ongoing research in this field to inform strategies to enhance the stability and performance of banking institution
An Introduction to Lightweight Flexible Nonlinear Composite (LFNLC) and Elastic Composite, Reinforced Lightweight Concrete (ECRLC) as the Cementitious LFNLC : Lightweight Flexible Nonlinear Composite
No full textHere, a new class of high-performance composites, called “Lightweight Flexible Nonlinear Composites (LFNLC)”, has been briefly introduced. This class of composites has its own structural and functional characteristics. Nonlinear behavior in bending and porous or porous-like texture are instances of such characteristics. - Cementitious LFNLC is termed “Elastic Composite, Reinforced Lightweight Concrete (ECRLC)”. The ECRLC provides lightweight beams with substantial strain capability, resilience modulus and toughness in bending, resulting in a considerable increase in bearing capacity while weighing significantly less. The failure mode in low-height and ultra-lightweight beams made of the ECRLC is not compressive and brittle. - This lightweight, flexible composite is a non-monopolistic, versatile and comparatively low-price material. Likewise, the virtues such as resilience and flexibility, workability, lightness, durability, and high formability are important in architecture. - In general, lightweight and integrated construction has a key importance in earthquake resistance. Therefore, the ECRLC can be especially beneficial in earthquake-prone regions. - By taking advantage of the resilience and flexibility of this formable system, it can also be used to build non-brittle reinforced ultra-lightweight and insulation sandwich panels, safe and lightweight guards, and shock-resistant structures. In addition, they are utilizable in some infrastructures and explosion-proof pieces with suitable behavior, resilience, and toughness. - This work presents a practical method for converting a rigid solid into a flexible material with lower density or increasing the elasticity of a flexible material while decreasing the density. Essentially, this method entails creating a porous or porous-like texture in the material, reinforcing appropriately, and providing it with the necessary integrity. (For example, properly dispersing lightweight aggregates all over the reinforced, conjoined matrix can produce a porous-like texture.) By this process, the resilience modulus and toughness in bending rise and the density reduces. - This paper briefly discusses the functional and structural characteristics of LFNLCs, some applications, and a Reproducible example of the ECRLC
Development of a vibration monitoring system for preserving monumental buildings against subway induced vibration
Get PDFMonumental buildings are of great importance because they are remainders of culture and history of every country. These structures need special attention, particularly when a new project is going to be constructed close to these buildings. Subways, are among those constructions that generate noticeable vibration during passing of trains. This vibration can have negative effect on historical buildings. This paper aims to develop a new continues monitoring system for gathering and analyzing vibrations from historical building when a subway train passes close to these monuments. The vibrations are then compared with allowable vibration limits. The monitoring system developed here is installed in three valuable monuments located in Isfahan. The data is accessible online in the form of a website (www.imvms.ir). In this website the time-history and frequency content of vibrations are accessible during 24 hours a day
Identifying laxity factors in moving towards emerging innovations (Case study: government organizations)
Get PDFBackground & Purpose: The literature on novel and emerging innovations has typically focused on describing the hard and technological levels. The aim of the current research is to identify the effective factors in stagnation or uncontrollable delay in the movement of government research organizations in the direction of new and emerging innovations.
Methodology: In terms of philosophy, interpretation and positivism, and in terms of the type of goal, in the category of applied research and research strategy, in the qualitative part, it has used thematic analysis with an inductive approach, and in the quantitative part, the method of partial least squares has been used. The data was collected in the qualitative part using in-depth semi-structured interviews with experts and in the quantitative part of the statistical population of employees of government research organizations, 269 samples were selected as statistical samples using Yamane's formula. In this research, a researcher-made questionnaire was used to collect data, and the technique of hierarchical component models using the partial least squares (PLS) method and SmartPLS4 software was used.
Findings: Based on the analysis of the textual data of the interviews, after the integration of 148 primary identifiers, 35 basic themes, 7 organizing themes and 3 overarching themes were identified.
Conclusion: Lack of supportive culture as the most important cause of lakhti Hanban, including cooperation and working group, fostering a culture of teamwork, sharing ideas and views, not valuing organizational culture, not encouraging the owners of innovative ideas and views, have formed structural indicators of the lack of supportive culture
Evolution in higher education governance: recent experiences in Iran
Get PDFIn Iran, several policy measures have been taken at the national level to achieve the best scientific positions at the global level. Most of these measures are rarely rooted in a deep understanding of the historical conditions of universities and their place in the Islamic Revolution and the advancement of national goals. Therefore, a large part of the biases of macro-politics in higher education has moved not towards the solution of national and domestic problems but towards the solution of the current problems and even the imminent future of the West. The regulations for the promotion of faculty members as one of the most important tools of governance in higher education is the focus of this research. At first, an attempt has been made to explain the position and main characteristics of the mentioned tool, and then, based on the methodology of content analysis, an attempt has been made to understand the intellectual system of the Supreme Leader and his request from the large collection of Iranian universities, and finally, the basic indicators considered by him are the basis for creating changes in the bylaws promotion of academic staff members. The findings indicate that the current regulation lacks sufficient compliance with the country's needs and suffers from imbalance and adequacy to the article. The results show that the transformative bylaws of the transformative university model, based on the intellectual system of the Supreme Leader, can contribute to the university's real position in solving the problems of the country and the Islamic world, along with meeting the scientific, technological and innovation needs of the future
Evaluating the Shear Strength of Subbase-subgrade Interface Using Large Scale Direct Shear Test
Get PDFThe inclusion of geogrid in road pavements can improve pavement performance through increasing the lateral confinement, bearing capacity, and overall rigidity of the pavement, as well as reducing the vertical and lateral pavement deformations. The materials used in the present study are: subbase granular materials Type B, two types of subgrade soil; clay and sandy soil, and two nonwoven biaxial geogrids (G1 and G2) used as reinforcing materials. Direct shear testing was adopted by manufacturing a large-scale direct shear apparatus consisted of an upper, square box of size 20 cm × 20 cm × 10 cm, and a lower, rectangular box of size 200 mm × 250 mm × 100 mm is used in the present study. The results show that, for the four normal stresses equal to 25, 50, 75 and 100 kPa, the interface shear stress curves increased and followed similar trend. For clay-subbase interface, installation of geogrid decreases the apparent cohesion of the material from 16.5 kPa (without reinforcement) to be 8 kPa and 13.5 kPa for G1 and G2, respectively. At sand-subbase interface, using geogrid leads to increase the cohesion of the material from 3.5 kPa to be 15.5 and 16 kPa for G1 and G2, respectively. The friction angle increases slightly from 30o (without reinforcement) to be 35o for G1 and G2 when the interface is subbase over clay. While, it decreased from 35.8o to be 32.1o for G1 and G2 at sand-subbase interface. The interaction coefficient for G1 and G2 increased when the normal strength increased at the clay-subbase interface. Otherwise, the behavior of interaction coefficient of the sand-subbase interface appears deferent trend, where increasing normal stress leads to decrease the interaction
The Hybrid Intelligent Systems for Non-linear Dynamical Systems
No full textThis research paper focuses on the use of advanced hybrid intelligent systems for modeling, simulation, and control of complex systems with non-linear behavior. Non-linear dynamical systems, which are prevalent in various industries, present unique challenges that require sophisticated solutions. Hybrid intelligent systems, combining multiple innovative techniques from the field of Soft Computing, have shown great promise in addressing these challenges. In this paper, we provide a comprehensive overview of hybrid intelligent systems and their advantages in dealing with non-linear dynamical systems. We explore the integration of different Soft Computing methodologies, such as Neural Networks, Fuzzy Logic, Genetic Algorithms, and Chaos Theory, to create powerful hybrid systems. We present real-world case studies and experimental results to showcase the effectiveness of these hybrid systems in modeling, simulation, and control tasks. Finally, we discuss future research directions and challenges in this exciting field, emphasizing the importance of continued exploration and development of hybrid intelligent systems for non-linear dynamical systems
A review on the MCUSUM Charts in Detecting the Shifts of the Process with Comparison Study
Get PDFIn this paper, we compare the performance of different MCUSUM methods presented in the literature. First, we briefly introduce MCUSUM methods in multivariate normal distribution. In order to evaluate their performance, we present a comparative study with simulation. Furthermore, we compare the average out-of-control run length of MCUSUM methods under different scenarios of mean shifts, standard deviation shifts, and correlation shifts. The results of the simulation study show that MCUSUM methods have different efficiency in detecting process shifts and based on the required application, the appropriate MCUSUM chart should be selected
Prioritizing policy tools to support development of IoT technologies in Iran
Get PDFThe Internet of Things is a new perspective on the information technology industry that encompasses all technical, social and economic concepts. Identifying priority application areas for this technology is one of the key points for its effective use. Governments also have a variety of tools for policy-making to support the development of this technology. Therefore, knowing which tool has a higher priority for support is a very important point that can not only prevent the loss of resources but also improve the speed of development. In this research, using the opinion of experts and using the TOPSIS method, an attempt has been made to identify the priority of IoT application areas as well as the priority of government support policy tools in these areas. The results of this research have shown that the important areas in this field respectively are Smart cities, Factories and industries, Shipping, Healthcare, Supply chain management, Buildings and houses and finally Agriculture and animal husbandry. Also Government policy tools respectively, in order of priority, are Financial and Investment Incentives, Flexible regulatory, Tax Exemption, Deploying IOT applications in E-government, Standards and Accreditation, Technology Infrastructure, Macro Policies, Application Infrastructure, Cybersecurity Regulation, Privacy Regulation
Presenting a Mathematical Programming Model for Discovering Eulerian Paths (EP) in Certain Specific Graphs
Get PDFIn the modern era, graph theory is considered a useful tool for quantification and simplification of various dynamic components in complex systems. By representing elements as nodes and their connections as edges, graph theory can transform anything from urban planning to computer data into a meaningful mathematical language. Nowadays, numerous practical applications have been designed and developed based on graph theory. Graph theory is a branch of discrete mathematics that aims to describe and solve problems with discrete structures using points and edges. One of the problems concerning graphs is the Eulerian path problem. This research demonstrates that this problem can also be investigated from the perspective of Operations Research (OR). In a more general sense, the Eulerian path problem is a routing problem. This paper presents a pure mathematical model to describe the relationship between the variables of the Eulerian path problem. One of the features of the proposed mathematical model is its solvability by most optimization software. Finally, several numerical examples are provided to enhance the understanding of this model, and they are solved using the proposed approach. All the analyses in this research are conducted using one of the most advanced optimization software, MATLAB. The proposed mathematical model provides a systematic and efficient approach to discover Eulerian paths in specific graphs, contributing to the advancement of graph theory and its practical applications