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International Comparison of Bank Fraud
Journal of Cybersecurity, 3(2), 2017, 109–125 doi: 10.1093/cybsec/tyx011 Research paper Research paper International comparison of bank fraud reimbursement: customer perceptions and contractual terms Ingolf Becker,1,* Alice Hutchings,2 Ruba Abu-Salma,1 Ross Anderson,2 Nicholas Bohm,3 Steven J. Murdoch,1 M. Angela Sasse,1 and Gianluca Stringhini1 1Computer Science Department, University College London, Gower Street, London WC1E 6BT; 2 University of Cambridge Computer Laboratory, 15 JJ Thomson Avenue, CB3 0FD; 3Foundation for Information Policy Research *Corresponding author: E-mail: [email protected] Received 7 May 2017; accepted 17 November 2017 Abstract The study presented in this article investigated to what extent bank customers understand the terms and conditions (T&Cs) they have signed up to. If many customers are not able to understand T&Cs and the behaviours they are expected to comply with, they risk not being compensated when their accounts are breached. An expert analysis of 30 bank contracts across 25 countries found that most contract terms were too vague for customers to infer required behaviour. In some cases the rules vary for different products, meaning the advice can be contradictory at worst. While many banks allow customers to write Personal identification numbers (PINs) down (as long as they are disguised and not kept with the card), 20% of banks categorically forbid writing PINs down, and a handful stipulate that the customer have a unique PIN for each account. We tested our findings in a survey with 151 participants in Germany, the USA and UK. They mostly agree: only 35% fully understand the T&Cs, and 28% find important sections are unclear. -
The UAE's Role in Syria's Stability Najla Al-Qasemi, Dubai Public Policy Research Centre
Syria Transition Challenges Project Discussion Paper (13) The UAE’s Role in Syria’s Stability Najla al-Qasemi, Dubai Public Policy Research Centre (Bhuth) 1 The Geneva Centre for Security Policy (GCSP) The Geneva Centre for Security Policy (GCSP) is an international foundation established in 1995, with 53 member states, for the primary purpose of promoting peace, security and international cooperation through executive education, applied policy research and dialogue. The GCSP trains government officials, diplomats, military officers, international civil servants and NGO and private sector staff in pertinent fields of international peace and security. Syria Transition Challenges Project A multilateral dialogue and research project that aims to build bridges between the EU, Russia, Turkey, and the US on the three issues of Reform, Refugees Return, and Reconstruction. The project is run by the GCSP in collaboration with European University Institute (EUI), Syrian Centre for Policy Research (SCPR), and swisspeace. Editors: Abdulla Ibrahim, Project Lead Researcher Lorraine Charles, Research Associate Tamer Badawi, Research Assistant Author Najla al-Qasemi Najla commenced her work as a researcher at the Emirates Center for Strategic Studies in 1999, in 2002, she joined the United Arab Emirates Ministry for Foreign Affairs as a USA Desk Officer. Later she was assigned the duties of Deputy Director of the Undersecretary Office at the Ministry. In 2004, she was transferred to the United Arab Emirates Mission to the United Nations in Geneva, following Human Rights and humanitarian issues. Since 2008 she was appointed as Ambassador to Sweden, Finland, Denmark and Portugal. Returning to the United Arab Emirates in 2016, she worked as a lecturer at Zayed University. -
Jordan Navigates Border Trade, Pressures from Syria | The
MENU Policy Analysis / Fikra Forum Jordan Navigates Border Trade, Pressures from Syria by Shehab Al-Makahleh Jul 24, 2018 Also available in Arabic ABOUT THE AUTHORS Shehab Al-Makahleh Shehab Al-Makahleh is a senior media and policy consultant in Jordan and the United Arab Emirates. Al-Makahleh has been working for several Middle Eastern countries as a political, military and security expert. Brief Analysis f all the bilateral ties between Arab states, the Jordanian-Syrian relationship has been among the most O intense. Various gradations of reciprocal unfriendliness and even open animosity have characterized the two countries’ ties since the 1970s, reflecting the rise of the Ba’ath party and Hafez al-Assad. However, recent economic instabilities pushed Jordan to approach the Syrian war in an unexpectedly neutral manner, and these same economic concerns may push the Hashemite Kingdom closer to the Assad regime in the near future. A thaw in the “Cold War” between Amman and Damascus has materialized, ostensibly neutralizing many years of conflict. The apparent recent successes of Bashar al-Assad's regime in recapturing much of Southwest Syria raises the question of what lies in the future for the Jordanian-Syrian relationship, especially given probable intimations that Damascus is unhappy with where the relationship currently stands. Throughout the conflict, Jordan was unsurprisingly more anxious about safeguarding its own domestic resilience than the persistence or collapse of the Syrian regime. The Kingdom has repeatedly pursued regional and international political settlement attempts to end the Syrian conflict, as Amman foresaw the potentially subverting influence of a protracted war on its borders. -
CHAP 9 Sri Lanka
79o 00' 79o 30' 80o 00' 80o 30' 81o 00' 81o 30' 82o 00' Kankesanturai Point Pedro A I Karaitivu I. Jana D Peninsula N Kayts Jana SRI LANKA I Palk Strait National capital Ja na Elephant Pass Punkudutivu I. Lag Provincial capital oon Devipattinam Delft I. Town, village Palk Bay Kilinochchi Provincial boundary - Puthukkudiyiruppu Nanthi Kadal Main road Rameswaram Iranaitivu Is. Mullaittivu Secondary road Pamban I. Ferry Vellankulam Dhanushkodi Talaimannar Manjulam Nayaru Lagoon Railroad A da m' Airport s Bridge NORTHERN Nedunkeni 9o 00' Kokkilai Lagoon Mannar I. Mannar Puliyankulam Pulmoddai Madhu Road Bay of Bengal Gulf of Mannar Silavatturai Vavuniya Nilaveli Pankulam Kebitigollewa Trincomalee Horuwupotana r Bay Medawachchiya diya A d o o o 8 30' ru 8 30' v K i A Karaitivu I. ru Hamillewa n a Mutur Y Pomparippu Anuradhapura Kantalai n o NORTH CENTRAL Kalpitiya o g Maragahewa a Kathiraveli L Kal m a Oy a a l a t t Puttalam Kekirawa Habarane u 8o 00' P Galgamuwa 8o 00' NORTH Polonnaruwa Dambula Valachchenai Anamaduwa a y O Mundal Maho a Chenkaladi Lake r u WESTERN d Batticaloa Naula a M uru ed D Ganewatta a EASTERN g n Madura Oya a G Reservoir Chilaw i l Maha Oya o Kurunegala e o 7 30' w 7 30' Matale a Paddiruppu h Kuliyapitiya a CENTRAL M Kehelula Kalmunai Pannala Kandy Mahiyangana Uhana Randenigale ya Amparai a O a Mah Reservoir y Negombo Kegalla O Gal Tirrukkovil Negombo Victoria Falls Reservoir Bibile Senanayake Lagoon Gampaha Samudra Ja-Ela o a Nuwara Badulla o 7 00' ng 7 00' Kelan a Avissawella Eliya Colombo i G Sri Jayewardenepura -
联合国安全理事会综合制裁名单文件生成日期: 29 October 2018 文件
Res. List 联合国安全理事会综合制裁名单 文件生成日期: 29 October 2018 文件生成日期是指用户查阅名单的日期,不是制裁名单最近实质性更新日期。有关名单实质性更新的信息载于委员会 网站。 名单的构成 名单由两部分组成,具体如下: A. 个人 B. 实体和其他团体 有关除名的信息见以下网站: https://www.un.org/sc/suborg/zh/ombudsperson (第1267号决议) https://www.un.org/sc/suborg/zh/sanctions/delisting (其他委员会) https://www.un.org/zh/sc/2231/list.shtml (第2231号决议) A. 个人 KPi.033 名称: 1: RI 2: WON HO 3: 4: 无 职称: 无 头衔: 朝鲜国家安全保卫部官员 出生日期: 17 Jul. 1964 出生地点: 无 足够确认身份的别名: 无 不足确认身 份的别名: 无 国籍: 朝鲜民主主义人民共和国 护照编号: 381310014 国内身份证编号: 无 地址: 无 列入名单日期: 30 Nov. 2016 其他信息: Ri Won Ho是朝鲜国家安全保卫部官员,派驻叙利亚以支持朝鲜矿业发展贸易公司。 KPi.037 名称: 1: CHANG 2: CHANG HA 3: 4: 无 职称: 无 头衔: 第二自然科学院院长 出生日期: 10 Jan. 1964 出生地点: 无 足够确认身份的别名: Jang Chang Ha 不 足确认身份的别名: 无 国籍: 朝鲜民主主义人民共和国 护照编号: 无 国内身份证编号: 无 地址: 无 列入名单日期: 30 Nov. 2016 其他信息: KPi.038 名称: 1: CHO 2: CHUN RYONG 3: 4: 无 职称: 无 头衔: Cho Chun Ryong是第二经济委员会的主席。 出生日期: 4 Apr. 1960 出生地点: 无 足够确认身份的别 名: Jo Chun Ryong 不足确认身份的别名: 无 国籍: 朝鲜民主主义人民共和国 护照编号: 无 国内身份证编号: 无 地址: 无 列入名单日期: 30 Nov. 2016 其他信息: KPi.034 名称: 1: JO 2: YONG CHOL 3: 4: 无 职称: 无 头衔: 朝鲜国家安全保卫部官员 出生日期: 30 Sep. 1973 出生地点: 无 足够确认身份的别名: Cho Yong Chol 不足确认身份的别名: 无 国籍: 朝鲜民主主义人民共和国 护照编号: 无 国内身份证编号: 无 地址: 无 列入名单日 期: 30 Nov. 2016 其他信息: Jo Yong Chol是朝鲜国家安全保卫部官员,派驻在叙利亚支持朝鲜矿业发展贸易公司。 KPi.035 名称: 1: KIM 2: CHOL SAM 3: 4: 无 职称: 无 头衔: 大同信贷银行的代表 出生日期: 11 Mar. 1971 出生地点: 无 足够确认身份的别名: 无 不足确认身份的 别名: 无 国籍: 朝鲜民主主义人民共和国 护照编号: 无 国内身份证编号: 无 地址: 无 列入名单日期: 30 Nov. 2016 其 他信息: Kim Chol Sam是大同信贷银行的代表,参与管理为大同信贷银行金融有限公司进行的交易。作为大同信贷银 行的海外代表,Kim Chol Sam涉嫌协助多项价值数十万的交易,可能管理着朝鲜境内数百万美元的账户,这些账户可 能与核/导弹计划有关。 KPi.036 名称: 1: KIM 2: SOK CHOL 3: 4: 无 职称: 无 头衔: a) 担任朝鲜驻缅甸大使 b) 为朝鲜矿业发展贸易公司提供协助 出生日期: 8 May 1955 出生地点: 无 足 够确认身份的别名: 无 不足确认身份的别名: 无 国籍: 朝鲜民主主义人民共和国 护照编号: 472310082 国内身份证编 号: 无 地址: 无 列入名单日期: 30 Nov. -
Jerusalem: City of Dreams, City of Sorrows
1 JERUSALEM: CITY OF DREAMS, CITY OF SORROWS More than ever before, urban historians tell us that global cities tend to look very much alike. For U.S. students. the“ look alike” perspective makes it more difficult to empathize with and to understand cultures and societies other than their own. The admittedly superficial similarities of global cities with U.S. ones leads to misunderstandings and confusion. The multiplicity of cybercafés, high-rise buildings, bars and discothèques, international hotels, restaurants, and boutique retailers in shopping malls and multiplex cinemas gives these global cities the appearances of familiarity. The ubiquity of schools, university campuses, signs, streetlights, and urban transportation systems can only add to an outsider’s “cultural and social blindness.” Prevailing U.S. learning goals that underscore American values of individualism, self-confidence, and material comfort are, more often than not, obstacles for any quick study or understanding of world cultures and societies by visiting U.S. student and faculty.1 Therefore, international educators need to look for and find ways in which their students are able to look beyond the veneer of the modern global city through careful program planning and learning strategies that seek to affect the students in their “reading and learning” about these fertile centers of liberal learning. As the students become acquainted with the streets, neighborhoods, and urban centers of their global city, their understanding of its ways and habits is embellished and enriched by the walls, neighborhoods, institutions, and archaeological sites that might otherwise cause them their “cultural and social blindness.” Jerusalem is more than an intriguing global historical city. -
Palestinian Forces
Center for Strategic and International Studies Arleigh A. Burke Chair in Strategy 1800 K Street, N.W. • Suite 400 • Washington, DC 20006 Phone: 1 (202) 775 -3270 • Fax : 1 (202) 457 -8746 Email: [email protected] Palestinian Forces Palestinian Authority and Militant Forces Anthony H. Cordesman Center for Strategic and International Studies [email protected] Rough Working Draft: Revised February 9, 2006 Copyright, Anthony H. Cordesman, all rights reserved. May not be reproduced, referenced, quote d, or excerpted without the written permission of the author. Cordesman: Palestinian Forces 2/9/06 Page 2 ROUGH WORKING DRAFT: REVISED FEBRUARY 9, 2006 ................................ ................................ ............ 1 THE MILITARY FORCES OF PALESTINE ................................ ................................ ................................ .......... 2 THE OSLO ACCORDS AND THE NEW ISRAELI -PALESTINIAN WAR ................................ ................................ .............. 3 THE DEATH OF ARAFAT AND THE VICTORY OF HAMAS : REDEFINING PALESTINIAN POLITICS AND THE ARAB - ISRAELI MILITARY BALANCE ................................ ................................ ................................ ................................ .... 4 THE CHANGING STRUCTURE OF PALESTINIAN AUTHORITY FORC ES ................................ ................................ .......... 5 Palestinian Authority Forces During the Peace Process ................................ ................................ ..................... 6 The -
Between Amman and Jerusalem: Reflections on Making Peace
MENU Policy Analysis / PolicyWatch 477 Between Amman and Jerusalem: Reflections on Making Peace . And Making Peace Work Oct 29, 2004 Brief Analysis ordan's ultimate strategic objective is peace in the Middle East. While the Jordan-Israel treaty remains seminal J in importance for the Middle East and beyond, the continued bloodshed in the region sobers the anniversary celebration. The Jordan-Israel treaty reflected the courage and vision of King Hussein and Israeli prime minister Yitzhak Rabin. Reaching agreement on this treaty was not always an easy process. The initial talks between the two countries in September 1993 resulted in a stalemate. The second round of talks in April 1994 was more successful, but when the United States was invited to serve as a guarantor, Washington balked at the idea of a Jordan-Israel treaty. Nevertheless, throughout the negotiations, Hussein and Rabin both demonstrated farsighted leadership and deep convictions about the absolute necessity of peace. They understood that they had to view each other as partners, not adversaries, and deal with each other directly. There is a place for third-party mediation and negotiation, but only when all other options have been exhausted and talks are at a standstill. The Jordan-Israel treaty and the Oslo negotiations are good examples of the efficacy of direct communication in peace talks. Indeed, a key to any successful peace negotiation is the involvement of the people affected. Unless all of the relevant players are involved in the discussion from the outset, negotiation efforts are certain to fail. After the liberation of Kuwait in 1991, a pathway to Middle East peace was opened with the convening of the Madrid conference. -
International Directory of Deposit Insurers
Federal Deposit Insurance Corporation International Directory of Deposit Insurers September 2015 A listing of addresses of deposit insurers, central banks and other entities involved in deposit insurance functions. Division of Insurance and Research Federal Deposit Insurance Corporation Washington, DC 20429 The FDIC wants to acknowledge the cooperation of all the countries listed, without which the directory’s compilation would not have been possible. Please direct any comments or corrections to: Donna Vogel Division of Insurance and Research, FDIC by phone +1 703 254 0937 or by e-mail [email protected] FDIC INTERNATIONAL DIRECTORY OF DEPOSIT INSURERS ■ SEPTEMBER 2015 2 Table of Contents AFGHANISTAN ......................................................................................................................................6 ALBANIA ...............................................................................................................................................6 ALGERIA ................................................................................................................................................6 ARGENTINA ..........................................................................................................................................6 ARMENIA ..............................................................................................................................................7 AUSTRALIA ............................................................................................................................................7 -
New India Assurance Abu Dhabi Location Map
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Combating Corruption in Yemen
Beyond the Business as Usual Approach: COMBATING CORRUPTION IN YEMEN By: The Sana’a Center for Strategic Studies November 2018 COMBATING CORRUPTION IN YEMEN Beyond the Business as Usual Approach: COMBATING CORRUPTION IN YEMEN By: The Sana’a Center for Strategic Studies November 2018 This white paper was prepared by the Sana’a Center for Strategic Studies, in coordination with the project partners DeepRoot Consulting and CARPO – Center for Applied Research in Partnership with the Orient. Note: This document has been produced with the financial assistance of the European Union and the Embassy of the Kingdom of the Netherlands to Yemen. The recommendations expressed within this document are the personal opinions of the author(s) only, and do not represent the views of the Sanaa Center for Strategic Studies, DeepRoot Consulting, CARPO - Center for Applied Research in Partnership with the Orient, or any other persons or organizations with whom the participants may be otherwise affiliated. The contents of this document can under no circumstances be regarded as reflecting the position of the European Union or the Embassy of the Kingdom of the Netherlands to Yemen. Co-funded by the European Union Photo credit: Claudiovidri / Shutterstock.com Rethinking Yemen’s Economy | November 2018 2 COMBATING CORRUPTION IN YEMEN TABLE OF CONTENTS Table of Contents 3 Acronyms 4 Executive Summary 5 Introduction 8 State Capture Under Saleh 10 Origins of Saleh’s Patronage System 10 Main Beneficiaries of State Capture and Administrative Corruption 12 Maintaining