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The purpose of this study is to study the indicators for evaluating the effectiveness of the implementation of investment processes on the securities market, taking into account the scientific foundations of information management systems and analysis of indicators of financial efficiency of the investment function of the securities market in Ukraine. The relevance of this study is due to the growing importance of management information systems in all sectors of the Ukrainian economy, in particular, the provision of solutions to the problems of activating investment processes in the securities market of Ukraine by analyzing and reassessing the effectiveness of investment processes at this level, taking into account the scientific basis of management information systems.  A set of indicators that best reflect the implementation of the investment function of the Ukrainian securities market is proposed. A matrix of characteristics of investment processes in the securities market is proposed. It is argued why domestic and foreign investors prefer local securities market indices when making investment decisions. Through the implementation of correlation-regression models, it has been proven that, on average, 87% of changes in investments in securities are due to changes in the number of licensed entities, which on the Chedoch scale indicates a close relationship between the indicators. The results obtained using statistical inference methods indicate a high impact of both external macroeconomic factors that inhibit the development of the securities market and internal, which in turn is reflected in the indicators of assessing the effectiveness of investment processes in the securities market.

With the development of a new stage of the industrial revolution, the importance of digitalization of business development tools is growing. The purpose of this article is to study the applied aspects of digital marketing tools usage for business development in the B2C market. To achieve the purpose and objectives of the study general and special methods are used: comparative analysis of the results of economic and statistical surveys; method of expert assessments by questionnaires using a 5-point Likert scale. The concordance coefficient was used to determine the consistency of the experts' opinions taking into account the related ranks in method of expert assessments. According to the results of the research, it is established that the Ukrainian business of the B2C sector was actively mastering digital marketing tools. The analysis of penetration level of digital technologies in the development of trade business showed the emergence of basic conditions for updating marketing tools to influence the B2C market. There is a rapid coverage rate of multi-purpose use of the Internet among consumers and businesses; gradual growth of digital skills among practitioners; positive dynamics of development of interactive services in the trade sphere. However, the level of use of the retail businesses websites remains low in many spheres of customer service. An important trend of the current development stage of the consumer market is the usage of business Internet platforms designed for mass dissemination of information. Effective marketing channels of interaction with consumers include social media (social networks, blogs or microblogs, websites with multimedia content, knowledge sharing tools), websites, e-shops, and sales via mobile devices. According to the results of expert evaluation, foreground digital technologies, which are able to bring business to a qualitatively new level of interaction with consumers and the provision of trade services have been identified. These are artificial intelligence and cognitive technologies, BigData, Internet of Things (IoT), and cloud computing. The structural and logical scheme of research of digital marketing tools is used for business development which includes two stages is offered. In the first stage, trendwatching, benchmarking and evaluation of internal opportunities for the use of digital marketing tools are performed. In the second stage, three components of digital readiness of business are defined: technological; competence; institutional. The obtained results form the basis of further research to determine the priorities of adaptive digital business behavior for the productive use of existing digital opportunities.

Most real-time speech signals are frequently disrupted by noise such as traffic, babbling, and background noises, among other things. The goal of speech denoising is to extract the clean speech signal from as many distorted components as possible. For speech denoising, many researchers worked on sparse representation and dictionary learning algorithms. These algorithms, however, have many disadvantages, including being overcomplete, computationally expensive, and susceptible to orthogonality restrictions, as well as a lack of arithmetic precision due to the usage of double-precision. We propose a greedy technique for dictionary learning with sparse representation to overcome these concerns. In this technique, the input signal's singular value decomposition is used to exploit orthogonality, and here the ℓ1-ℓ2 norm is employed to obtain sparsity to learn the dictionary. It improves dictionary learning by overcoming the orthogonality constraint, the three-sigma rule-based number of iterations, and the overcomplete nature. And this technique has resulted in improved performance as well as reduced computing complexity. With a bit-precision of Q7 fixed-point arithmetic, this approach is also used in resource-constrained embedded systems, and the performance is considerably better than other algorithms. The greedy approach outperforms the other two in terms of SNR, Short-Time Objective Intelligibility, and computing time.

The spread of COVID-19 pandemic starting in late 2019 has changed the way we conduct our teaching and learning activities especially in Higher Education Institutions (HEIs). Since March 2020, classes have been conducted via online platforms. As a consequence, students missed the campus life, teamwork has been given less emphasis, fieldwork, industry visits and community service have been put aside, and most importantly the achievement of the learning outcomes towards a certain extent has been compromised. The implications of these changes need to be highly considered as they might affect the quality of graduates. This paper intends to discuss the impact of COVID-19 pandemic on the education system and highlight some potential solutions that can be considered by the academics and the top management of HEIs to address the negative repercussions of the current practices. Some research implications are also highlighted in the paper.

One of the biggest shortcomings of urban spaces in most cities of the country is the lack of suitable sports spaces, which in addition to improving the health of the general public, especially the youth, creates a lively environment and can boost the development of the tourism industry. Many projects in the country, especially sports, are slow or stopped due to not evaluating the relevant risks, so the purpose of this study is to identify and prioritize investment risks in the country's sports projects. The present study is a positive research in terms of philosophical foundations and is applied in terms of orientation. The statistical population of the study includes experts in the field of sports tourism and the sampling method has been done judgmentally. To conduct the research, in the first stage, the risks of investing in sports projects were assessed through literature review. The number of these risks was 15, and after screening with a Binominal test, 6 factors were excluded. The remaining 9 factors were evaluated in terms of degree of impact with Dematel technique and 5 factors, i.e. market risks, economic risks, legal risks, financing risks and stakeholder conflict risks were selected as the most effective risks in terms of net effect index. Finally, these 5 risks were ranked by Aras decision technique and it was observed that the economic, market and financing risks, had the highest priority.

Banks as the largest financial intermediaries play a vital role in collecting savings and directing them toward manufacturing activities. Hence, assets and liabilities management is crucial for them and their depositors. In this study, through system dynamics approach, a dynamic model was proposed to manage assets and liabili-ties optimally. After building the model and conducting validation and sensitivity analysis, three scenarios were devised and were simulated and analyzed via the proposed model. The results revealed that taking effective decisions and actions to collect more deposits, especially time deposits as well as increasing the quality of credit assets (if allocated optimally) can be effective in improving the performance of banks. Therefore, using systems thinking and system dynamics can aid banks in managing their assets and liabilities optimally. mary of the significant items in the paper, including the results and conclusions.

The objective of this study is to present a framework to increase the return and profitability and reduce credit risk of Mellat Bank customers by developing the RFM model. In this study, which was conducted as a case study in Mellat Bank of Iran, first the variables of RFM model were identified. In the next step, relevant weights of RFM variables were calculated using AHP technique. In the next step, using the K-means algorithm, customers were clustered based on weighted RFM and extended RFM. The result included customer clusters. The results indicated that the three clusters 5, 1, and 7 obtained the highest scores for receiving facilities and the coefficients for receiving facilities were equal to 0.271, 0.173, and 0.556, respectively. By determining the facility coefficient for the cluster and consequently for the customers presented in these top groups, granting facility becomes more transparent and more purposeful, and therefore, it will help the company increase profitability, reduce the churn among high-efficiency customers, and create value for customers. This research demonstrates a systematic method for granting facilities to recognize the true value based on the capability and prevention of arbitrary acts

The complexity of the competitive business environment has highlighted the need to be aware of the organization's strengths and weaknesses and to continuously improve processes. Therefore, managers are looking for a solution for performance measurement of their organization to be able to promote and improve their organization. Evaluating the performance of listed companies in the stock exchange organization is important because in addition to the managers of the organizations, stock traders can also evaluate the companies and make the necessary decisions about holding, selling or buying the shares of these companies in a timely manner. One of the organization's performance measurement solutions is to use financial ratios. Given that a separate study of financial ratios does not provide a correct view of the efficiency of the organization, so the aggregation of the effect of financial ratios seems to be effective. DEA and MCDM are suitable because they enable the achievement of performance index by considering several factors simultaneously, so the performance obtained from this method is reliable. the main purpose of this study is to ranking pharmaceutical companies in the Tehran Stock Exchange between the years 2018 and 2020 using DEA approach and MCDM to provide a single ranking through the Copeland method.

The increase in non-performing loans considerably reduces profit in the banking systems. To solve these problems, factors influencing the collection of non-performing loans have to be examined in a hopeful attempt to reduce it to an ac-ceptable level. The present study is conducted to analyze and study factors influ-encing the collection of non-performing loans in Shahr Bank. This research is an applied study regarding its goal. It was conducted in two sections, namely the qualitative and quantitative sections. In the qualitative sections, the factors influ-encing the collection of receivables were identified using the theoretical literature and interviews with senior managers of Shahr Bank through the encoding process. In the quantitative section, data was collected by surveying the opinions of 12 experts, including senior managers of Shahr Bank in 2020 using a questionnaire. Thereafter, the factors were selected using the fuzzy Delphi technique and the relationships between them were determined using the fuzzy DEMATEL method. Finally, the factors were weighted and prioritized using the fuzzy ANP method. The research findings showed that non-performing loans can be collected through six types of factors including organizational, regulatory, customer, banking, envi-ronmental, and operational factors. The environmental factor is the most influential factor, while the operational factor is the most influenced and most important factor. In addition, behavioural, contextual, and structural sub-factors have the highest level of importance in the collection of non-performing loans in the order mentioned. These findings can help bank managers make decisions to improve the collection of receivables.

Managing a single portfolio is a basic assumption in the most of research. However, in reality, an advisor manages many accounts at the same time; therefore, there is a significant dependency among portfolios and correlation between decisions on one portfolio with the performance of others, so the results of multi portfolio is different with classic models (single portfolio management, that portfolios are optimized independently) due to market impact and the trade dependency of one account to the other accounts. We propose a structural model to optimize accounts simultaneously, considering interdependences, decision’s correlation and mutual behavioral effects of managed portfolios. Moreover, to compare and analyze both single portfolio and multi portfolio approaches, real data from Tehran Stock Exchange in 1398 are used and model is solved with GAMS. Results indicate that multi portfolio optimization excel other approach and consequence notable improvement on the perspective of customer and advisor. Also, for the validation of the proposed model, the selected stocks are considered in pairs to solve the model and the results show the proper performance of the model with different stocks, thus indicating the validity of the model.