1e alinea: "Je neemt grote risico’s bij alles wat je doet, maar nog grotere risico’s als je niets doet"- S. Williams. Enkele maanden terug ging in Nederland een nieuwe internetbank open: Knab. De bank mede opgericht door een beleggingsfonds en verzekeraar. De naam is een spiegelbeeld van het woord bank met een K van de klant voorop. Een mooie gedachte wat tegelijkertijd ook vragen oproept en tot nadenken aanzet: hoe zit het dan met de anderen banken, wat klantvriendelijkheid betreft, is het niet meer vanzelfsprekend, wordt het dan extra in rekening gebracht? Hier enkele gedachten over het onderwerp banken van morgen.
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The story of Triodos Bank over the last 20 years reads as a success story. It is also a story about how principles are guiding business. However, principles need a pragmatic approach in order to be successful. Over the past 30 years the bank’s management has succeeded in balancing a clear focus to create value for society with the objectives of a financially sound company. This case will describe this development, focusing on a period of rapid growth from 1990 to 2009, in which the organization grew from a small entity to a serious bank.
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Meerdere onderzoekscommissies hebben uitgezocht hoe de gang van zaken is geweest bij het faillissement van Icesave , DSB- bank, de Liborfraude bij Rabobank en de steun voor de SNS- bank. In vrijwel alle onderzoeken wordt er veel kritiek geuit op het toezicht van De Nederlandse Bank en in mindere mate ook het ministerie van Financiën. Wordt het niet eens tijd voor een strafrechtelijk onderzoek naar falend toezicht ?
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In het kader van de bachelorstudie Technische Bedrijfskunde en het vak HRM moeten studenten een Sociaal Jaarverslag van een bedrijf bestuderen en beoordelen. Thijs Lemmens heeft dat gedaan voor de Triodos bank. Vervolgens is dat opgestuurd naar de bank, die de student daarvoor bedankte en uitnodigde voor een gesprek en rondleiding.
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In recent years, the debate about the design of the monetary system has become increasingly prevalent. A major topic within this debate is central bank digital currency or CBDC for short. A survey by the Bank of International Settlements (BIS) shows that in 2022, nine in ten central banks (CB) explored a digital variant of their own currency (Kosse & Mattei, 2022). In the euro area, the European Central Bank (ECB) is conducting a wide-range study of the pros and cons of a CBDC, in the form of a digital euro. Other CBs are at different stages of the research cycle. The Chinese central bank is experimenting extensively with its e-CNY and has been conducting research since 2014 (Luo, 2022; Prasad, 2021). The Swedish Riksbank published its first report on the possible designs and effects of the e-krona in September 2017 (Sveriges Riksbank, 2017). Against all these various studies and experiments is the Bahamian Sand dollar, the world's first, by 2020, fully implemented CBDC. The Bahamas is not the only country; in 2022, Jamaica fully introduced the JAM-DEX (CBDC Tracker, 2023). Since CBDCs are a relatively new phenomenon, there is logically little empirical data to support the potential advantages and disadvantages. The fully implemented Sand dollar can confirm or refute some of the claimed theoretical advantages and disadvantages, and lessons can be distilled from this case for the introduction of other CBDCs. This paper first discusses the (theoretical) motivations for implementing the Sand dollar, then discusses its operation and current low adaptation rates. Finally, it derives lessons that can be used in other CBDC cases.
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De ecologische handafdruk - het uitoefenen van je sociale invloed op anderen om hun voetafdruk te verlagen - heeft de potentie om de sociale norm te veranderen en de klimaattransitie te versnellen. Handafdrukgedrag is nog onderbelicht in onderzoek. Dat geldt al helemaal voor een groep die in potentie veel sociale invloed heeft, namelijk welvarenden. In dit onderzoek belichten we niet uitsluitend de rol van consument en hoe de ecologische voetafdruk te verkleinen, maar schenken we ook aandacht aan andere invloedrijke handafdruk-posities zoals die van investeerder, burger en deelnemer in organisatie. Vanwege de gedeelde ambitie om de klimaattransitie te versnellen onderzoeken De Hogeschool van Amsterdam en ASN Bank hoe klanten van ASN Bank begeleid kunnen worden in het vergroten van hun ecologische handafdruk. Op basis van de inzichten uit dit onderzoek kunnen gerichte interventies ontwikkeld en getest worden die een collectieve verschuiving richting duurzaam gedrag kunnen ondersteunen.
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Purpose – This study aims to investigate the tourism stakeholders’ opinions about developing smart tourism(ST) in the West Bank, Palestine. This research fulfils intriguing gaps in the literature on stakeholders’perceptions and views on developing ST in the West Bank, Palestine.Design/methodology/approach – The research study employed a qualitative methodology using semi-structured interviews with nineteen respondents. All data collected were in April and May 2022.Findings – The findings show that the understanding of ST-related stakeholders in the West Bank is mainlylinked to information communication and technology, digitalisation, and online use of technology within thetourism industry. Moreover, the results show the high potential of developing the ST industry in the WestBank. However, this study revealed that challenges could affect the West Bank’s development at differentlevels, such as managerial, technological, awareness, public sector restrictions, infrastructural, financial andpolitical challenges.Research limitations/implications – This research has some shortcomings. The first restriction of thisstudy was the political restrictions and the checkpoints, which limited the reach of some of the participants whoreside in Jerusalem or other cities outside of the West Bank, which delayed the time of the interviews orconverted it to be done through a digital platform. Secondly, the sample of this study was small in tourismstakeholders in the West Bank.Originality/value – To the author’s knowledge, this paper is the first on ST from the stakeholders’perspectives. Therefore, this study has set the first step in closing the existing gap in the literature.
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In the project the students were asked to design a material bank to facilitate a circular construction industry. The insights they gained were used to create opportunities to renovate the road ' 'Griffiersveld” circularly. This research report was written by three students involved in the course "Industrial and sustainable building" of Saxion University of Applied Sciences.
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Purpose: This study aims to systematically identify items that measure commu-nicative participation from measurement instruments that measure (aspects of) communication and/or participation in children and adolescents (5–18 years old) with communication disorders, for developing an item bank. Method: A systematic literature search was performed in MEDLINE and Embase to search for patient-reported outcome measures (PROMs) or parent reports measuring aspects of communication and/or participation in children and adolescents. The individual items of the included measurement instruments were reviewed on whether they measure communicative participation. The items were then classified into one of the International Classification of Functioning, Disability and Health (ICF) for Children and Youth (World Health Organization, 2007) domains of activities and participation. Results: A total of 29 instruments were found, nine PROMs and 20 parent reports. One hundred forty-five items were identified that measure communica-tive participation. From these 145 items, 74 were retrieved from PROMs (51%), and 71 were retrieved from parent reports (49%). The majority of items were classified in ICF Domain 7, interpersonal interactions and relationships (73.8%), followed by Domain 8, major life areas (13.8%), and Domain 9, community, social, and civic life (8.3%). Only a few items were found in Domains 5 and 6, and none was found in Domains 1, 2, and 4. Conclusions: We identified 145 items potentially useful for developing an item bank addressing communicative participation in children and adolescents with communication disorders. However, item development in collaboration with the target population is needed to ensure that these items fully reflect the construct.
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Purpose: This study aims to systematically identify items that measure comnicative participation from measurement instruments that measure (aspects communication and/or participation in children and adolescents (5–18 years with communication disorders, for developing an item bank. Method: A systematic literature search was performed in MEDLINE Embase to search for patient-reported outcome measures (PROMs) or pareports measuring aspects of communication and/or participation in childand adolescents. The individual items of the included measurement instrumwere reviewed on whether they measure communicative participation. The itwere then classified into one of the International Classification of FunctioDisability and Health (ICF) for Children and Youth (World Health Organiza2007) domains of activities and participation. Results: A total of 29 instruments were found, nine PROMs and 20 preports. One hundred forty-five items were identified that measure communtive participation. From these 145 items, 74 were retrieved from PROMs (5and 71 were retrieved from parent reports (49%). The majority of items classified in ICF Domain 7, interpersonal interactions and relationships (73.8followed by Domain 8, major life areas (13.8%), and Domain 9, commsocial, and civic life (8.3%). Only a few items were found in Domains 5 and none was found in Domains 1, 2, and 4. Conclusions: We identified 145 items potentially useful for developing an bank addressing communicative participation in children and adolescents communication disorders. However, item development in collaboration with target population is needed to ensure that these items fully reflect the const.
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