228,356 research outputs found
Card-image public access catalogues (CIPACs) : Issues concerned with their planning and implementation
No full textThis article identifies and discusses the issues and problems that need to be considered in the process of planning and implementing card-image public access catalogues (CIPACs). CIPACs are online library catalogues based on databases of digitised catalogue cards with more or less sophisticated mechanisms for browsing or searching. Solutions of this kind have been implemented by a number of libraries in various countries since the mid-1990s, mainly as inexpensive alternatives to full retrospective conversion of their old catalogues. Based upon a questionnaire and relevant literature, the article looks at the following aspects: cost, conversion speed, universal access, saving of space, preservational aspects, software selection, preparing the card catalogue for conversion, scanning and quality control, image standards, optical character recognition, manual and intellectual input, technological aspects, administrative tools, organisational aspects, peculiarities of old catalogues, presentation of CIPACs to the users, and life expectancy of card-image catalogues
OPAC vs. card catalogue: a comparative study of user behaviour
No full textEven though use studies of card catalogue are quite rare, use of OPAC has been extensively investigated since early 1980s. Yet there are not many attempts to conduct comparative studies highlighting the differences in use of card catalogue and OPAC of the same library (i.e., user population). This paper reports an attempt made to study use of OPAC of ISRO Satellite Centre (ISAC) library and compare the results with the findings of the study of use of card catalogue of the same library conducted 17 years ago. The paper not only brings various aspects of user behaviour about OPAC but also depicts the differences in user behaviour as well as the effects of technological changes from card catalogue (manual system) to OPAC (automated system)
Credit Card Selection Criteria: Singapore Perspective
No full textThis study used factor analysis to examine credit card selection criteria among Singaporeans. The results showed that convenience of use and protection, economics, and flexibility were the main drivers, while the reputation of card was the least important in determining credit card selection in Singapore. Demographic results showed that high-income earners, the better educated, the elderly, married and the professional preferred the convenience-protection factor to the economic-promotional factor. Females were shown to value the promotional factor more, while males preferred the economic factor. The ethnic Malays placed a greater emphasis on the economic factor than did the ethnic Chinese. The results also showed that the number of credit card owned in Singapore is positively related to education, income, age group, and marital status. Those holding a single credit card stressed the economic factor more than those holding many cards. In Singapore, the higher income earners, the better educated, older adults, females, married, and both Chinese and Indians are more receptive to paying their monthly credit card balances in full. The results demonstrated that Singaporeans do not view the credit card selection criteria much differently from respondents from other developing and advanced nations.credit card selection, credit card usage, banking regulation, factor analysis
Pattern of card catalogue consultation in a special library
No full textA three day sample observation of card catalogue consultation by users at ISRO Satellite Centre (ISAC) Library has been made and results recorded. Users have been subsequently questioned about the purposes for which catalogue was consulted. The paper describes the card catalogue system of the library, the method followed and limitations of the study. The data in appropriate tables has revealed that classified catalogue is not used; Report Number Catalogue is least used and subject catalogue is consulted to the maximum. It is also found that more than half of the consultations of card catalogue are to locate documents, one-fourth is to interact with circulation system, one-tenth is to make a comprehensive search for references on a topic and rest for miscellaneous purposes. It is concluded, based on the results, that arrangement of charged out tray at circulation counter be changed to classified order and classified catalogue itself may have to be dispensed with
Letter from Mayor William Card to Gary M. Schwarz: 1996-09-18
No full textLetter from Mayor William Card to Gary M. Schwarz regarding developing a program that provides dental care to citizens.https://scholarworks.utrgv.edu/hcard/1102/thumbnail.jp
Letter from Mayor William Card to Dr. Gary M. Schwarz: 1996-04-08
No full textLetter from Mayor William Card to Dr. Gary M. Schwarz in reply to previous correspondence regarding dental care concerns.https://scholarworks.utrgv.edu/hcard/1110/thumbnail.jp
Explaining intention to use the Islamic credit card: an extension of the TRA model
No full textAbstract Purpose – The Islamic credit card is a type of banking product offered by Islamic banks. Given the importance to the Islamic credit card to Islamic banks, the study is aimed at identifying the factors determining the Malaysian bank customers’ behavioral intention to use the Islamic credit card. Design/methodology/approach – Drawing upon the Theory of Reasoned Action (the TRA model), this study proposes a modified model to examine the acceptance factors of attitude, subjective norm and perceived financial cost within the Islamic credit card context. The study used multiple regression model in order to examine the impacts of these explanatory variables on the intention to use the Islamic credit card. The model is tested using survey data from 257 respondents. Findings – The results reveal that attitude, subjective norm and perceived financial cost significantly influence the Islamic credit card intention to use. Of these, attitude was first ranked factor explaining intention to use the Islamic credit card. Research limitations/implications – The research suffers from two limitations. The first limitation is related to the generalization of finding whilst the second limitation is related to the limited measures employed in the current work. Despite these limitations, this research is significantly contributed to the body of knowledge in the area of Islamic credit card, at least at exploratory level. Practical implications – Information gathered from the study will serve as a basis for more future works in the area of Islamic credit card. The theory developed in the current study’s model could also be generalized into other contexts of Islamic banking products and services. Practically, branch managers of Islamic banking institutions could of prime importance to extend the findings of the study for the better future planning of their Islamic credit card offerings. Originality/value – Importantly, the study extends the applicability of the TRA model into Islamic credit card context. Few studies have conducted over the years under this context in Malaysia.Islamic credit card, personal finance, Islamic bank, Malaysia
Credit card fraud and detection techniques: a review
No full textFraud is one of the major ethical issues in the credit card industry. The main aims are, firstly, to identify the different
types of credit card fraud, and, secondly, to review alternative techniques that have been used in fraud detection. The
sub-aim is to present, compare and analyze recently published findings in credit card fraud detection. This article
defines common terms in credit card fraud and highlights key statistics and figures in this field. Depending on the type
of fraud faced by banks or credit card companies, various measures can be adopted and implemented. The proposals
made in this paper are likely to have beneficial attributes in terms of cost savings and time efficiency. The significance
of the application of the techniques reviewed here is in the minimization of credit card fraud. Yet there are still ethical
issues when genuine credit card customers are misclassified as fraudulent
The Regulation of the Credit Card Market in Turkey
No full textThe rapid growth in Turkish credit card market brought together new issues. Card holders and consumer unions complain about the high interest rates, economists complain about the default rates and banks complain about the amnesties. After all of these complaints coinciding with the accelerating suicide incidences due to credit card debts, regulation has been enacted in the credit card market in Turkey. In 2003, credit cards had been taken into the scope of the Consumer Protection Law. This was the first legal arrangement on the credit cards. However it was not satisfying. It was criticized for bringing out temporary solutions. In 2005, a more comprehensive credit card law came into effect. With this regulation, Central Bank of Turkey has put a ceiling on the credit card interest rates and clarified some issues that were left untouched. In this paper; reasons, advantages, disadvantages of this regulation are discussed along with a quick glance on the development of credit card market in Turkey. The regulation and amnesties in 2003 and 2005 are examined and their effects are exposed from the point of view of parties involved: banks, customers and government.Credit Cards; Regulation; Amnesty; Interest Rates; Default; Banks; Consumer Unions
Toward a theory of merchant credit card acceptance
No full textIn this article, we construct a two-period model to investigate what market conditions would support a credit card equilibrium given two commonly observed credit card pricing conventions consumers rarely are charged higher prices for using their credit cards and if they payoff their credit card obligations every month, they enjoy interest-free short-term credit. The results of the model indicate that when the card issuer's cost of funds is not too high and the merchant's profit margin is sufficiently high, a credit card equilibrium can exist. We also and that the credit-issuer's ability to charge higher merchant discount fees depends on the number of customers gained when credit cards are accepted. Thus, credit cards exhibit characteristics of network goods.Credit cards ; Payment systems
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