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The purpose of this paper is to measure the relationship between the functional service recovery and technical service recovery towards customer satisfaction in banking industry. Both functional and technical is equally important in service quality especially in service recovery. The competition among the banking industry especially in major cities in Malaysia is very crucial. The study was conducted in Kuala Lumpur based on the top 10 banks based on the market share. 250 questionnaire distributed but only 212 were usable for the data analysis. The results indicated that both functional and technical service recovery plays important role towards customer satisfaction. Banking services or any financial institution should have focused on both elements in order to provide excellent services that may contribute to customer satisfaction and in the long term lead to customer loyalty

The article considers a method for solving an information asymmetry problem that is relevant for the banking sector. The authors compare bank products and services in which tariff packages are consist of different informational components. The principal feature of the proposed method is to focus on obtaining a subjective evaluation of the attractiveness of the Bank’s offers for specific target groups. This makes the proposed method relevant for Central and commercial banks, as well as for consumers of banking products. Since complex tariff packages of different banks contain not only many indicators but also different sets, it is impossible to directly compare them. The proposed method allows solving the main informational problems of traditional methods for comparing banking products. Using the Fuzzy Inference System (FIS) allows a flexible approach to the aggregation of singular indicators of tariff packages and simplifies the expert procedures. To make rules for fuzzy inference, linguistic constructions close to the natural language can be used. This makes it easier to fill the knowledge base. To solve the set tasks, a methodology for constructing hierarchical FIS is used. In comparison with non-hierarchical FIS it can reduce the requirements to the number of rules in fuzzy inference rule base and system implementation time. The experiments with the fuzzy inference system, which implements a corporate credit cards tariff packages comparison of four Ukrainian banks, showed the effectiveness of the proposed approach. The obtained numerical results are adequately interpreted for the highlighted groups of banking product consumers

The purpose of this research study is to measure the impact of governance on the organizational performance of schools in administrative, financial and pedagogical aspects. This governance approach will be approached using a methodology respecting several principles in terms of participation, transparency, accountability and evaluation (CSEFRS, 2015). Furthermore, we added in our frame of reference the primordial aspect of good governance, which is the new technologies. Considering the difficulty of an etymological and polysemic consensus on the concept of governance. It would be wise to set up operational indicators for applying this notion of governance with a perspective to enhance management skills, multi-stakeholder strategic planning, internal collaborative management, effective and efficient steering, control and evaluation. Methodology / approach: Our methodological approach based on a descriptive exploratory study. The researcher carried out an empirical study involving 20 principals of qualifying secondary schools from the Nouaceur-Casablanca region. Our measurement instrument is related to a survey which is appraised as one of the five principles of effective governance (transparency, accountability, participation, evaluation and technology). Findings: data analysis shows difficulties in applying governance principles, influencing organizational performance in administrative management. Additionally, the educational management and financial management of these establishments have seen a positive application of these governance mechanisms. It would be wise to apply the multidimensional aspects of governance, through the harmonious, complete and balanced integration of the three management mechanisms: administrative, pedagogic and financial management. The relationship between the study variables is demonstrated by the application of the five principles of governance, the results of the study recommended that we apply them to contribute significantly to improve the effectiveness of strategic planning, collaborative management and community steering.  

This study focuses on the consumer experience of telecommunications service quality in Malaysia. Malaysia's penetration rate has gone over 100 percent, meaning that each person in Malaysia has at least one account registered with the telecommunications provider. Telecommunications industry competition is becoming fierce as there is a limited market available to share among the industry players. This study used a quantitative approach, using a questionnaire to collect data through random sampling. One hundred and fifty available respondents received, using SEM-PLS analysis. Results indicate that customers are more concerned with service quality and trust than brand image and price. Brand image and price did not impact consumer loyalty. One of the critical factors is that the facilities and packages provided are approximately the same price ranges for almost similar coverage areas. The service provider will use the outcome for their ongoing long-term plan.

Considering the organizations’ increasing use of social media, many studies are being conducted in this area. Researchers are faced with a variety of research strategies depending on the nature of the research problem and data. If the right research strategy is not employed, the researcher will lose focus, and the time and effort spent will not necessarily serve the research objectives. When choosing a research strategy, the organization’s characteristics should be taken into consideration; otherwise, it may lead to confounding interpretations of the findings. In this regard, the present study aims to introduce an appropriate research strategy for each maturity stage of the organization under study. To this end, using systematic mapping methodology, about 256 articles published within 2011- 2021 were investigated, and the relationship between the types of research strategy used and the different stages of an organization’s maturity in using social media was reported. Specifically, by synthesizing the social sciences research methodology framework and the social media stage of the growth model, a mapping was developed between the research strategies and maturity stages. Based on this mapping, it is expected that the appropriate strategy for research at the first maturity stage is exploratory, and for the second and third stages are observational and descriptive, respectively. When the organization moves to the fourth and fifth levels, archival and causal strategies are recommended for research. Using the results of this research, researchers will be able to identify the right research strategy for the maturity stage of the organization under study and develop the appropriate research design accordingly.

Like almost all the world countries, Algeria is experiencing an exceptional state characterized by a real epidemic of Coronavirus (covid19), which has prompted all institutions (establishments, businesses, businesses, and people) precautions to curb the risks of this pandemic. To this end, the higher education sector has called on the entire university teacher and student community to turn to e-learning to ensure continuity of courses and TD. Our paper is in line with this, with a fundamental objective to analyze university teachers' behavior concerning new information and communication technologies during the health crisis of covid-19. Thus, to shed light on the main handicaps related to online learning in Algeria.

The Internet of things has become an interesting area of research in the last few years due to its ability to make human life simple and easier. Quality of Services (QoS) has gained a lot of importance due to the increasing popularity of the technology. QoS metrics help the IoT users to understand and express their requirements for the selection of services provided by IoT. Researchers in this field have come up with different types of architectures to provide a better view and define all the functions of the technology. In this paper, we have defined a few of the architectures and QoS metrics related to these architectures.

The development of information and communication technologies changes how many industries and services operate. Those changes are also concerning all sectors of the travel industry, although some more than others.  Mobile access to the internet allows consumers to purchase through transaction-based applications such as e-ticketing, QR-code services, Bitcoin, E-wallet, and using a third party like PayPal.  E-Wallet is predicted to be one of the future's most successful payment modes but has achieved limited acceptance in developed countries to date. Similarly, this service is considered new in Malaysia.  Utilizing Davis' Technology Acceptance Model, this study examines the factors contributing to E-Wallet's adoption among the millennial tourist in Kuala Lumpur.  Using the self-administrated questionnaires, data from 100 respondents were collected and analyzed using SPSS.  The finding revealed that perceived ease of use of E-Wallet among millennial tourists proved to be the most substantial cause besides the significant positive relationships found from other variables such as perceived usefulness and social influence in the context of millennium tourists.  However, perceived credibility was found not related to the adoption of E-Wallet.  These findings have important theoretical and practical implications, particularly for the development and marketing of E-Wallet service, which will support the long‐term success of mobile commerce.

The purpose of this study is to explore and determinants the risk management and prevention in credit card business of Malaysian commercial banks. There were five factors derived through the literature and experimental investigation that are affecting the banks due to credit card which are External Fraud Risk, Internal Operational Risk, Credit Risk of Cardholders, Science and Technology and Intermediary Agency Trades Risk. Hence, 250 respondents participated in this study from state of Selangor and Federal Capital Kuala Lumpur. The data was collected and analyzed by SPPS software and it was concluded that that External fraud risk, Internal operational risk, Credit risk of Cardholder, Science and technology are positively correlated with the Credit card business risks of commercial Banks in Malaysia. These papers have highlighted suggestion for future research to develop this study further by considering the data derived from this study by using Delphi Technique

Object Detection has been one of the areas of interest of research community for over years and has made significant advances in its journey so far. There is a tremendous scope in the applications that would benefit with more innovations in the domain of object detection. Rapid growth in the field of machine learning has complemented the efforts in this area and in the recent times, research community has contributed a lot in real time object detection. In the current work, authors have implemented real time object detection and have made efforts to improve the accuracy of the detection mechanism. In the current research, we have used ssd_v2_inception_coco model as Single Shot Detection models deliver significantly better results. A dataset of more than 100 raw images is used for training and then xml files are generated using labellimg. Tensor flow records generated are passed through training pipelines using the proposed model. OpenCV captures real-time images and CNN performs convolution operations on images. The real time object detection delivers an accuracy of 92.7%, which is an improvement over some of the existing models already proposed earlier. Model detects hundreds of objects simultaneously. In the proposed model, accuracy of object detection significantly improvises over existing methodologies in practice. There is a substantial dataset to evaluate the accuracy of proposed model. The model may be readily useful for object detection applications including parking lots, human identification, and inventory management.