Nurturing a FinTech ecosystem: The case of a youth microloan startup in China

Financial technology, or FinTech, involves the design and delivery of financial products and services through technology. It impacts financial institutions, regulators, customers, and merchants across a wide range of industries. Pervasive digital technologies are challenging the fundamentals of the highly regulated financial sector, leading to the emergence of non-traditional payment systems, peer-to-peer money exchanges and increased turbulence in currency markets. This case study explores the development of a FinTech company in China that offers microloans to college students. Five lessons learned are presented for organizations to better manage the challenges and to leverage the opportunities amidst the disruption of financial sector. Our findings also shed light on how digital technology 1) offers the strategic capability for a firm to occupy a market niche in financial sector, 2) enables the generation of alternative credit scores based on non-traditional data, and 3) improves the financial inclusion of previously excluded market segments.     

Randomization‐based statistical inference: A resampling and simulation infrastructure

Statistical inference involves drawing scientifically‐based conclusions describing natural processes or observable phenomena from datasets with intrinsic random variation. We designed, implemented, and validated a new portable randomization‐based statistical inference infrastructure ( http://socr.umich.edu/HTML5/Resampling_Webapp ) that blends research‐driven data analytics and interactive learning, and provides a backend computational library for managing large amounts of simulated or user‐provided data. We designed, implemented and validated a new portable randomization‐based statistical inference infrastructure ( http://socr.umich.edu/HTML5/Resampling_Webapp ) that blends research‐driven data analytics and interactive learning, and provides a backend computational library for managing large amounts of simulated or user‐provided data. The core of this framework is a modern randomization webapp, which may be invoked on any device supporting a JavaScript‐enabled web browser. We demonstrate the use of these resources to analyse proportion, mean and other statistics using simulated (virtual experiments) and observed (e.g. Acute Myocardial Infarction, Job Rankings) data. Finally, we draw parallels between parametric inference methods and their distribution‐free alternatives. The Randomization and Resampling webapp can be used for data analytics, as well as for formal, in‐class and informal, out‐of‐the‐classroom learning and teaching of different scientific concepts. Such concepts include sampling, random variation, computational statistical inference and data‐driven analytics. The entire scientific community may utilize, test, expand, modify or embed these resources (data, source‐code, learning activity, webapp) without any restrictions.     

Perceived value of online customization experience in China: Concept,measurement, and consequences

People often show their personalities and ideas to others with customized products (e.g., rings, shoes, cups). Online customization delivers special experience and various values to customer. Western scholars focus on online customization experience from either process value or results value. However, this division ignored the entire perception from consumer, and hampered the research development of consumer perceived value's concept, measurement, and consequences. Moreover, might there be difference between Chinese and Westerners? If so, what about them? Four studies with Chinese examine the concept, measurement and consequences of perceived value on online customization experience from the perspective of customer experience. The results show that the Perceived Value of Online Customization Experience (PVOCE) in China is a multi-dimensional construct that includes process and results values, and PVOCE scale has good criterion validity. Therefore, the study can provide theoretical and practical implications for Chinese enterprises to understand and manage customers' online customization experience.     

基于数据挖掘的中国科技论文在线首发论文下载次数典型特征研究

通过属性规约、空缺值处理及异常值检测,对中国科技论文在线2003-2009年37 898篇首发论文数据进行数据预处理。对数据预处理后的37 348篇首发论文,构建下载次数的回归树模型,通过模型结果分析,得出下载次数的影响因素依次为首发论文的发表时间、所属学科以及首发论文的星级评定结果,并分析下载次数在这三个方面的典型特征。     

The Video Viewing Task: A source of information for assessing and addressing teacher understanding of text-based discussion

This paper reports on the Video Viewing Task (VVT), an assessment designed to measure teachers' developing understanding of two reading comprehension instruction approaches: Reciprocal Teaching (Palincsar, A. S. & Brown, A. L. (1984). Reciprocal teaching of comprehension-fostering and comprehension-monitoring activities. Cognition and Instruction, 1(2), 117–175) and Questioning the Author (Beck, I. L., McKeown, M. G., Hamilton, R. L., & Kucan, L. (1997). Questioning the author: An approach for enhancing student engagement with text. Newark, DE: International Reading Association). The VVT consists of video excerpts that teachers view and comment on during their viewing. The VVT also includes a series of questions to guide teachers' reflections after viewing. Analyses of teachers' comments and reflections in response to the VVT provide evidence that the VVT captures teachers' entering conceptions and is sensitive to changes in teachers' developing understanding following professional development specific to the two instructional approaches.     

高校图书馆绩效评估管理问题探讨

绩效评估是人力资源管理的核心措施,能够使单位形成持续性的竞争优势.绩效是衡量图书馆事业发展的标尺,是图书馆事业建设的永恒主题.文章分析了图书馆绩效评估的含义、发展背景,并就绩效评估的基本做法、绩效评估工作中必须注意的问题等提出了建设性意见.     

基于学生隐私权保护的在线成绩公布系统的研究与实现

传统的排名制度存在诸多问题,必须提出科学有效的新方式对其进行变革。但如何结合时下网络时代的特点科学有效地公布学生成绩呢?本文就这一问题具体分析了如何公布学生成绩才是科学有效的,并在此基础之上结合网络技术,研究适合不同网络环境下基于B/S模式在线公布成绩的具体实现,并对实现方案进行了全面的分析与评价。     

赴奥地利、德国参加FID第48届大会暨学术研讨会考察随记

本文简介了国际信息与文献联合会(FID)及其第48届大会的基本情况,同时简述了德国国家信息技术中心的状况,并针对上述内容思考了几个有关现代信息领域的问题。     

信息技术支持下的高校学生自主学习探讨

21世纪是科技迅猛发展的时代,随着经济的进步和社会的发展,信息技术不断完善自身,积极开拓进取,如今信息技术已成为一项重要的科技输出与创新平台,为国家的发展乃至世界的前进都发挥着重要的贡献作用,因此,在教育领域,学校和教师要牢牢把握教学机遇,积极开拓发展教育新思路,尤其在高校领域,高校学生思维意识渐进成熟,对新事物有较强的适应能力和反应力,在信息技术的助力下更容易发展自我,取得优秀的教学效果,并在自身层面得到有效提升和拔高,促进学生自主学习能力的提高。     

以问题设计引导教学讨论在《内科护理学》中的应用

为适应21世纪对护理教育的要求,改革传统教学模式,培养学生能力和综合素质,在《内科护理学》教学中尝试使用以问题设计引导教学讨论的方法,并对使用该教学方法的利弊进行一些探讨。