...that are secured by cash flows from different kinds of assets. The issued securities are called Asset-Backed Securities (ABS). In essence a pool of payment claims are packaged and are made to securities in order to create a secondary market for the underlying receivables or other various illiquid assets. Securitisation is the financial practice of pooling various types of contractual debt such as residential mortgages, commercial mortgages, auto loans or credit card debt obligations and selling said consolidated debt as bonds, pass-through securities, or collateralized mortgage obligation (CMOs), to various investors. The principal and interest on the debt, underlying the security, is paid back to the various investors regularly. Securities backed by mortgage receivables are called mortgage-backed securities (MBS), while those backed by other types of receivables are asset-backed securities (ABS). Therefore, securitization of real estate is the pooling of real estate assets as underlying assets securing a debt, which is issued to investors in return for cash flows from the underlying real estate assets. The illiquid real estate assets that generate a constant cash flow are formed into a tradable security and are floated on the debt market. Securitization process In its most basic form, the process involves two steps. 1. A company with loans or other income-producing assets—the originator—identifies the assets it wants to remove from its balance sheet and pools them...
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...Internet Banking (Fig. 1) is a product of e-commerce in the field of banking and financial services. In what can be described as B2C domain for banking industry, Internet Banking offers different online services like balance enquiry, requests for cheque books, recording stop-payment instructions, balance transfer instructions, account opening and other forms of traditional banking services. Mostly, these are traditional services offered through Internet as a new delivery channel. Banks are also offering payment services on behalf of their customers who shop in different e-shops, emalls etc. Further, different banks have different levels of such services offered. Regulations and guidelines issued by some countries include the following. 1. Requirement to notify about web site content 2. Prior authorization based on risk assessment made by external auditors 3. On-site examination of third party service providers 4. Off-site policing the perimeters to look for infringement. 5. Prohibition on hyper links to non bank business sites 6. Specification of the architecture Broadly, the levels of banking services offered through INTERNET can be categorized in to three types: (i) The Basic Level Service is the banks’ websites which disseminateinformation on different products and services offered to customers and members of public in general. It may receive and reply to customers’ queries through e-mail, (ii) In the next level are Simple Transactional Websites which...
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...Similarities and differences in security and risk. Joshua Williams POL192 Perspectives on Security and Terrorism Murdoch University Semester 1, 2014 Utilizing the concepts of risk and security, critically explain the similarities and differences between terrorist strategies and tactics on one hand, and counter-terrorism measures, on the other, since 2001. The terrorist attacks of September 11, 2001 in the United States marked a turning point in the understanding of terrorism within the international society (Beck 2002, 39). Although the motives behind terrorism and counter-terrorism are opposite, their effects in terms of security and risk are similar. The similarities and differences between these two activities will be discussed in terms of risk and security within the international society. Central to the issues of security and risk, is the concept of an international society. An international society ‘exists when a group of states, conscious of certain common interests and common values, form a society in the sense that they conceive themselves to be bound by a common set of rules in their relations with one anther, and share in the working of common institutions’ (Bull and Watson 1984, 1). These rules, norms and institutions which make up international society is the central focus of security and risk when discussing terrorism...
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...also known as IoT, refers to the embedded devices that are connected to and communicate with each other via internet and range from small devices like smart watches and other every day wearables to much larger devices like cars and other automobiles, medical equipment etc., In my opinion, the traditional security methods like authentication, encryption, intrusion detection and intrusion prevention, firewalls, installing security patches etc., may be applicable to Internet of Things only if the devices are deployed and used in a controlled, secure and well monitored environment like enterprise network, which will not be the case with most of the devices that can be classified under IoT, as a user must be able to use his/her...
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...threats”, is a buzz and increasingly used term in political studies, but yet lacks a commonly accepted and widely authoritative definition. The reasons might be due to its evolving nature, paradigms and linkage with other factors. However, Chaudhuri (2011) defines NTS issues as “which are termed in contrast to traditional security threats and refers to the factors other than military, political and diplomatic conflicts, but can pose threats to the survival and development of a sovereign state and human kind as a whole”. He categorized NTS issues in six broad branches, namely; international terrorism, trans-national organized crime, environmental security, illegal migration, energy security and human...
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...maintains dozens of racks or more should pay attention to what these big cloud players are doing. The potential exists for significant savings as SDN allows data centers to move away from single source hardware to the commodity based pricing we see with servers. The second factor to consider is the size of an organization’s network; which indicates data center with near or above 1,000 active IP addresses as a candidate for SDN. This is true majorly for those addresses that are assigned to virtual machines. The controllers will become a new line item in the IT budget to expect virtual machine vendors to control the switch, rack, and core as the single unit with their software....
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...constant attention. This will be difficult to achieve and sustain if the ADF has not fully defined what it means by cyber warfare and how it will be used to serve Australia's interests. There are several definitions of cyber warfare, one of which was provided earlier this year by Defence Signals Directorate's (DSD) Deputy Director of Cyber and Information Security Mike Burgess in a speech to the Old Crows Association. He defined cyber warfare as 'an act...intended to degrade, destroy or deny computer accesses and systems' and added 'a true act of cyber warfare would have to be potentially lethal, instrumental and political'. Information stored on computers has become a key national asset and an element of our national power. Our ability to create information, store it, secure it, analyse it and harness it to make decisions has to be a strategic objective for the ADF that transcends the traditional boundaries of strategic and national security. The ADF's ability to respond to cyber security events has matured since the 2009 launch of DSD's Cyber Security Operations Centre, which is Australia's senior cyber security agency, tasked with identifying and responding to cyber threats of national...
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...“save succeeding generations from the scourge of war” and one of its main purposes is to maintain international peace and security. Peacekeeping, although not explicitly provided for in the Charter, has evolved into one of the main tools used by the United Nations to achieve this purpose. The Charter gives the United Nations Security Council primary responsibility for the maintenance of international peace and security. In fulfilling this responsibility, the Security Council may adopt a range of measures, including the establishment of a United Nations peacekeeping operation. The legal basis for such action is found in Chapters VI, VII and VIII of the Charter. While Chapter VI deals with the “Specific Settlement of Disputes”, Chapter VII contains provisions related to “Action with Respect to the Peace, Breaches of the Peace and Acts of Aggression”. Chapter VIII of the Charter also provides for the involvement of regional arrangements and agencies in the maintenance of international peace and security provided such activities are consistent with the purposes and principles outlined in Chapter I of the Charter. United Nations peacekeeping operations have traditionally been associated with Chapter VI of the Charter. However, the Security Council need not refer to a specific Chapter of the Charter when passing a resolution authorizing the deployment of a United Nations peacekeeping operation and has never invoked Chapter VI. In recent years, the Security Council has adopted the practice...
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...Technovation 34 (2014) 339–341 Contents lists available at ScienceDirect Technovation journal homepage: www.elsevier.com/locate/technovation Editorial The challenge of cyber supply chain security to research and practice – An introduction a b s t r a c t The tremendous potential to assist or degrade economic and national security performance make security in the cyber supply chain a topic of critical importance. This is reflected by the tremendous activity in the public and private sector to better understand the myriad of cyber challenges, identifying existing gaps and needs and closing these gaps as quickly and firmly as possible through government policy initiatives, public/private partnerships, and legal/insurance penalty and incentive regimes. However when we examine the academic literature, the research and publications in this area are rather sparse. Consequently, this special issue on Security in the Cyber Supply Chain is intended to act as a resource to practitioners and as a call to research. & 2014 Published by Elsevier Ltd. Introduction In general, the cyber supply chain provides tremendous advances in efficiency and effectiveness. The economy gains through transactions being more efficient through the low cost rapid transmission of information related to supply chain management. Not only does this rapid transmission reduce cost, but it also provides value through increased effectiveness allowing for services and decisions that were not possible...
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...Executive Summary 2 2.0 Introduction 2 2.0 E-Commerce 3 3.1 Benefits of E-Commerce 3 3.2 Limitations of E-Commerce 4 4.0 Features of E-Commerce 4 4.1 Ubiquity 5 4.2 Global Reach 5 4.3 Universal Standards 6 4.4 Richness 6 4.5 Interactivity 7 4.6 Information Density 7 4.7 Personalisation/Customisation 7 4.8 Social Technology 8 5.0 Privacy and Security Issues 9 5.2 Security 9 6.0 Ethical Factors 10 6.1 Privacy 10 7.0 Recommendations 11 8.0 Conclusion 11 9.0 Bibliography 11 Appendix 13 1.0 13 2.0 14 3.0 15 4.0 16 5.0 17 1.0 Executive Summary This is a report of a critical review of the E-Commerce website of “Alfasud Parts Online”. The report will look at the general role of e-commerce in contemporary business and the advantages or otherwise for Alfasud. A critical analysis of the implementation of the unique features of E-Commerce shall be undertaken and their business significance for the company will be evaluated. This report will evaluate the security provisions on the e-commerce website and the employed technologies and methods for ensuring security and privacy. An evaluation of necessary ethical considerations and others issues arising on the website will also be conducted. The report will draw conclusions and make recommendations to the board of directors of Alfasud on how to improve their website to fully reap the benefits of e-commerce for full competitive advantage. 2.0 Introduction According to (Burke &...
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...focused on traditional media locations; mostly local, and targeted to those who live within 150 miles, and are middle aged or older. Advertising emphasizes mostly new attractions to draw old and new visitors. Advertising and promotion focused on a younger audience, those with kids, promotions for families with kids stay free etc... The focus should be to middle-aged visitors as well who have more leisure-time and willing to stay longer. Difference in the amount of advertising and promotion, though the nature of the advertising will differ. Young crowd won’t like to hang out with older ones. Step 2: Local and regional transportation Most visitors now arrive by bus and stay one day; the proportion of bus visitors is also increasing. There is a need to focus on travel agents and on providing affordable bus trips for this audience. Should provide accommodations for those traveling via bus (lounge area while waiting for bus arrival, etc.) New focus likely to be on car traffic and some air travel for families, in addition to the bus traffic. Affordable air-fare packages for families might be a good idea. Enough parking space, free valet, etc. Or hotel buses for group-packages to/from airport. The transportation patterns are likely to be quite different and the need for parking, taxi service to/from airport. The distance from airport is important. Bus accommodations will play a factor in the strategy without the theme park. Step 3: Casino Operations Traditional operations...
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...devices Sunny [Type the company name] [Pick the date] GROUP 13 Sunny Shah Praveen Prakash Table of Contents Overview 2 Business Intelligence in Mobile: What is it? 3 Users segmentation 4 Executive: 5 End users: 5 Workforce: 5 Processing Data from BI to Mobile Device: 6 Mobile BI Challenges and possible solutions: 6 Real Time Data: 7 Security: 8 Rendering: 9 Mobile BI vendors offering: 11 Yellowfin 11 MicroStrategy Mobile: 12 IBM Cognos 8 Go! Mobile: 13 Summary 13 References 14 Overview With advent of portable devices like mobile phones and iPad, a new era of telecommunication has started. Internet makes the communication even more seamless and it has a profound impact on the businesses and the way they manage their globally accessible data. With the convergence of BI and mobility, the data can be delivered anywhere and anytime. More and more executives are depending on BI to make their daily decisions. Data is growing many folds every year. It is imperative that data is now available on the go. More than ever executives are becoming dependent on the handhelds like iPhone, Blackberry, smart phone and recently launched iPad. The screens have changed from monitors to laptops and now smart phone. Social media is being used by executives and business managers for more than ever. Everybody just loves accessing information on small handhelds. This paper covers some of the topics like, How BI will look like on the smaller screens...
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... various functions in our business, personal and recreational environments. They have automated many of the menial tasks of business, such as accounting, payroll, filing, record keeping, etc. This increased use of technology has caught the attention of the criminal element. The computer has become both target and tool to a new breed of cyber-criminal. Computers are becoming an increasingly important part of everyday life. They also provide new opportunities for criminal enterprise. The computer provides both new types of crime, and new ways of perpetrating traditional crimes. Computer crime investigation differs from more traditional crime investigation in several critical ways and will require law enforcement agencies to adopt new policies and practices. This paper documents the increasing rate of computer-based crime, points out several critical areas where it differs from more traditional crimes, and outlines some new problems and issues which law enforcement must address to combat computer crime. Finally, this paper suggests a plan of action suitable for many law enforcement agencies to prepare for dealing with computer based crime.The Birth of "hacking" Early use of the term "hacker" was applied to computer hobbyists who spent their spare time creating video games and other basic computer programs. However, this term acquired a negative connotation in the 1980s when computer experts illegally accessed several high-profile databanks. Databases at...
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...International Security Lecture 1 March 30th, 2015 The politics of security knowledge What is international security? We could start thinking about the security council of the UN But also about the invasion of Afghanistan (chapter 7 UN in order to secure the international security) We can also think about security in terms of the invasion of Iraq in 2003. This was a unilateral act of war, but sure it can also mean other things We can think of the national security agency, the agency in charge of spying all the signals and communications to a certain extent. What’s interesting about the NSA, it is seen as a threat to the security of the privacy. Lately, with the reports of the UN development programme, we start talking about HUMAN security (not military security, but rather the security of individuals, having a livelihood that’s acceptable). Whether security is international or not, it can be a rather confusing word The protection of values we hold dear. We search for it, we pursue it, we achieve it, we deny it to others. * what is to be secured? Is it the security of states? Or individuals? * What is the actual threat that we’re facing? Primarily to be dealing with military threats, or are there other types of threats we are facing. Essentially contested concept A concept that ‘inevitably’ involves endless disputes about their proper uses on the part of their users – Walter Gallie There can be ambiguity (one persons freedom-fighter is the other’s...
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...Mobile Patrol Surveillance System EXECUTIVE SUMMARY The research in this paper focuses on iPad Mini application for police forces that are responsible for the security during the football matches in the UK in order to raise the effectiveness of surveillance. The research begins with a general view on the technological improvements in law enforcements including the kind of technologies used. It gives a brief review of policing the football matches in the UK with several historical information and current figures such as crime incidents and arrests. It then explains the main functionalities of the proposed solution, combination of iPad Mini along with a customised surveillance application, from technical and business benefits point of view along with main aim and objectives of the solution. In the Critical Evaluation section, concerns of using iPad Mini solution with police officers have been evaluated along with few practical implementations. BRIEF REVIEW OF TECHNOLOGY IN POLICE FORCE AND POLICING FOOTBALL Along with the stunning changes in technology, Police has inevitably gone through a significant transformation parallel to the changes in technology. It is extremely crucial for the police forces to stay up-to-date with current technological developments. The executives of police forces are becoming more familiar and informed of developing technologies, moreover they develop a high awareness on how these systems may provide efficiency for their agencies on duty. ...
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