Horizon 2020 Energy and Transport
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Innovation Relationships in the Emergence of Fintech Ecosystems
Proceedings of the 52nd Hawaii International Conference on System Sciences | 2019 Innovation Relationships in the Emergence of Fintech Ecosystems Kaisa Still Ilkka Lähteenmäki Marko Seppänen VTT Technical Research Centre Aalto University Tampere University of Technology of Finland Ltd [email protected] [email protected] [email protected] Abstract The context of our paper is about the transformative power of digital technology in This paper explores the emergence of ecosystems banking, financial and insurance. Technology in the context of Fintechs infusing digital technology developments have transformed banks’ business into financial services. The rapid rise of Fintechs has landscape [8] and they are turning into new models of changed the business landscape, challenging the cooperation, replacing the hierarchically managed established firms with novel solutions and services. value chains with ecosystems that are modular and As a result, the established firms are turning to new decentralized in their architecture [10]. models of cooperation, replacing the hierarchically The term ecosystem is widely used to describe the managed value chains with ecosystems that are interdependencies and possibilities for novel value modular and decentralized in their architecture. creation. Moore [15] defined the business ecosystem First, a bibliometric analysis was conducted to as follows: “companies coevolve capabilities around present the content and relationships in Fintech a new innovation: they work cooperatively and research in general. Then, a case study on two of the competitively to support new products, satisfy biggest retail banks in Finland and their innovation customer needs, and eventually incorporate the next relationships in developing Distributed Ledger round of innovations.” The prefix eco (in relation to Technologies and related services was conducted. -
Trix/Minitrix New Items 2017 Brochure HERE
New Items 2017 Trix. The Fascination of the Original. New Items 2017 E E © Gebr. Märklin & Cie. GmbH – All rights reserved. © Gebr. Märklin & Cie. GmbH – All rights reserved. Dear Trix Fans, Welcome to the New Year for 2017! This year we are again presenting our new items brochure with many impressive models for Minitrix, Trix H0, and Trix Express. Through all of the eras, the railroad has provided transporta- tion for business and industry. It has also left its mark on the life of entire cities and regions over many generations. It is thus no wonder that we have given special importance to freight service as models. This year we are spreading the entire range across model railroad rails. Regardless of whether it is the impressive class 42 steam locomotive of the Fifties or the latest variations of the Vectron as the TRAXX family. We are bringing impressive, prototypical trains/train New Items for MiniTrix 2017 2 – 55 New Items for Trix H0 2017 56 – 105 runs to your model railroad scenery with car sets in all eras, some of them with new tooling. However, 2017 is also the year of the “TransEuropExpress”, which seven railroads started exactly 60 years ago with the ambitious plan to bring elegant, comfortable traveling to the rails. Come with us to explore this concept through the eras New Items for Trix Express 2017 106–109 of the history of long-distance passenger service. Now, give free rein to your personal operating and collector passion and discover your favorites on the following pages. Fulfill your wishes – your local specialty dealer is waiting for your visit! MiniTrix Club Model for 2017 6– 7 MHI Exclusiv 1/2017 4 – 8 Your Trix Team wishes you much fun exploring the new items H0 Trix Club Model for 2017 58 – 59 Museumcars 117 for 2017! Trix Club 110 Reparatur-Service 118 Registration Form 113 General References 118 Trix Club Cars for 2017 111 Important Service Information 118 Trix Club Anniversary Car 112 Explanation of Symbols 119 Index to the Item Numbers 120 1 © Gebr. -
Ticino-Milano Dal 15.12.2019 Erstfeld Ambrì- Orario Dei Collegamenti Milano Centrale–Lugano–Bellinzona
Hier wurde der Lago Maggiore 4 mm nach links verschoben Hier wurde der Lago Maggiore 4 mm nach links verschoben Luzern / Zürich Luzern /Lu Züzernrich / Zürich Luzern /Lu Zürizercnh /Lu Züzernrich / Zürich Luzern /Lu Zzüernrich /Lu Zürizercnh / Zürich Luzern /Lu Züzernrich / Zürich Luzern /Lu Züzrernich / Zürich Luzern /Lu Zürizercnh / Zürich Luzern /Lu Zzüriercnh / Zürich Luzern / Zürich Luzern / Zürich Luzern / Zürich Luzern / Zürich Luzern / Zürich Luzern /Erst Zürichfeld Luzern / ZürichErstfeld Erstfeld Erstfeld Erstfeld Erstfeld Erstfeld Erstfeld Erstfeld Orario dei collegamentiOrario deiMilano collegamentiOrario Centrale–Lugano–Bellinzona.Orario dei collegamenti deiMilano collegamentiOrario Centrale–Lugano–Bellinzona. deiMilano collegamenti Milano Centrale–Lugano–Bellinzona.Orario Centrale–Lugano–Bellinzona. deiMilano collegamenti Centrale–Lugano–Bellinzona.Orario Milanodei collegamentiOrario Centrale–Lugano–Bellinzona. dei collegamentiOrario Milano dei Centrale–Lugano–Bellinzona. collegamenti Milano Centrale–Lugano–Bellinzona. Milano Centrale–Lugano–Bellinzona. Erstfeld Luzern / Zürich Luzern / Zürich Erstfeld Ambrì- Ambrì- Ambrì- Ambrì- Ambrì- Ambrì- Ambrì- Ambrì- Ambrì- Orario dei collegamenti Ticino-Milano dal 15.12.2019 Erstfeld Ambrì- Orario dei collegamenti Milano Centrale–Lugano–Bellinzona. GöschenenErstfeld Piotta Faido LaGöschenenvorgo PiottaGöschenenFaido LaGöschenenvorgo Piotta FaidoPiottaLaGöschenenvorgFoaido Lavorgo Piotta Faido LaGöschenenvorgo Piotta Faido LaGöschenenvorgo PiottaGöschenenFaido Lavorgo PiottaGöschenenFaido -
Ticino on the Move
Tales from Switzerland's Sunny South Ticino on theMuch has changed move since 1882, when the first railway tunnel was cut through the Gotthard and the Ceneri line began operating. Mendrisio’sTHE LIGHT Processions OF TRADITION are a moving experience. CrystalsTREASURE in the AMIDST Bedretto THE Valley. ROCKS ChestnutsA PRICKLY are AMBASSADOR a fruit for all seasons. EasyRide: Travel with ultimate freedom. Just check in and go. New on SBB Mobile. Further information at sbb.ch/en/easyride. EDITORIAL 3 A lakeside view: Angelo Trotta at the Monte Bar, overlooking Lugano. WHAT'S NEW Dear reader, A unifying path. Sopraceneri and So oceneri: The stories you will read as you look through this magazine are scented with the air of Ticino. we o en hear playful things They include portraits of men and women who have strong ties with the local area in the about this north-south di- truest sense: a collective and cultural asset to be safeguarded and protected. Ticino boasts vide. From this year, Ticino a local rural alpine tradition that is kept alive thanks to the hard work of numerous young will be unified by the Via del people. Today, our mountain pastures, dairies, wineries and chestnut woods have also been Ceneri themed path. restored to life thanks to tourism. 200 years old but The stories of Lara, Carlo and Doris give off a scent of local produce: of hay, fresh not feeling it. milk, cheese and roast chestnuts, one of the great symbols of Ticino. This odour was also Vincenzo Vela was born dear to the writer Plinio Martini, the author of Il fondo del sacco, who used these words to 200 years ago. -
IT's 10 P.M. Do You Know What Apps Your Kids Are Using?!?!?
Instagram Facebook Twitter Snapchat Musical.ly WhatsApp kik SayAt.Me Marco Polo Monkey Ask.Fm House Party Fire Chat After School Sarahah VIDEO-MESSAGING APPS • VIDEO APPS LIKE MARCO POLO, HOUSE PARTY AND FIRECHAT ARE THE NEW CHAT ROOMS • MARCO POLO, WHICH HAS BEEN DOWNLOADED AT LEAST 10 MILLION TIMES ON THE GOOGLE PLAY STORE, TOUTS ITSELF AS A VIDEO “WALKIE-TALKIE.” YOU MAKE A VIDEO AND SEND IT. IN RESPONSE YOUR FRIEND MAKES A VIDEO. ALL THE VIDEOS LIVE IN A QUEUE; YOU ADD A VIDEO WHEN IT’S CONVENIENT. YELLOW • YELLOW, WHICH HAS BEEN CALLED “TINDER FOR TEENS” (SWIPE RIGHT IF YOU WANT TO BECOME FRIENDS WITH SOMEONE; SWIPE LEFT IF YOU DON’T), OPENS WITH A GEO-LOCATOR. THERE IS A 13-YEAR- OLD AGE MINIMUM, WHICH THERE’S NO WAY OF VERIFYING. ANONYMOUS APPS • ANONYMOUS APPS HAVE BEEN DEVELOPED FOR PEOPLE INTERESTED IN A FACELESS AND NAMELESS DOCUMENTATION OF THEIR LIVES (AS OPPOSED TO A SELFIE), DRAWING IN CHILDREN WHO LEARNED FROM EARLIER GENERATIONS ABOUT THE CONSEQUENCES OF AN OFFENSIVE ONLINE FOOTPRINT. • THERE ARE A NUMBER OF ANONYMOUS APPS ON THE MARKET — AFTER SCHOOL, SARAHAH, SAYAT.ME, MONKEY AND ASK.FM ARE SOME OF THE MOST POPULAR — ALL OF THEM PROMISING THE SAME FEATURE: SPILL INTIMATE FEELINGS ABOUT YOURSELF OR, ON THE FLIP SIDE, SPREAD RUMORS AND ATTACK FRIENDS, WITHOUT ANY TRACE OF WHO SAID WHAT. EPHEMERAL APPS • MANY ADULTS HAVE HEARD OF SNAPCHAT AND INSTAGRAM STORIES, BUT WHAT ABOUT LIVE.LY, A RISING LIVE-STREAMING APP WITH A LARGE TEENAGE AUDIENCE? • ALL THREE WORK LIKE A DISAPPEARING MAGIC ACT. -
ANNUAL REPORT 2020 2020 RESULTS at a GLANCE 16.1 ORDER BACKLOG in CHF BILLION NET REVENUE Previous Year: 15.0 in Thousands of CHF
ANNUAL REPORT 2020 2020 RESULTS AT A GLANCE 16.1 ORDER BACKLOG IN CHF BILLION NET REVENUE Previous year: 15.0 in thousands of CHF 3,500,000 2,800,000 2,100,000 3,200,785 3,084,948 34,912 REGISTERED SHAREHOLDERS AS AT 31.12.2020 1,400,000 Previous year: 30 419 2,000,806 700,000 0 2018 2019 2020 NET REVENUE BY GEOGRAPHICAL MARKET in thousands of CHF Germany, Austria, Switzerland: 1,502,759 4.33 Western Europe: 963,548 ORDER INTAKE Eastern Europe: 457,488 IN CHF BILLION CIS: 68,207 Previous year: 5.12 America: 83,909 Rest of the world 9,037 % 12,303 5.1 EBIT MARGIN EMPLOYEES WORLDWIDE Previous year: 6.1% (average FTE 1.1. – 31.12.2020) Previous year: 10 918 156.1 EBIT IN CHF MILLION Previous year: 193.7 STADLER – THE SYSTEM PROVIDER OF SOLUTIONS IN RAIL VEHICLE CONSTRUCTION WITH HEADQUARTERS IN BUSSNANG, SWITZERLAND. Stadler Annual Report 2020 3 SUSTAINABLE MOBILITY – 16.1 ORDER BACKLOG TRAIN AFTER TRAIN IN CHF BILLION Previous year: 15.0 Stadler has been building rail vehicles for over 75 years. The company operates in two reporting segments: the “Rolling Stock” segment focuses on the development, design and production of high-speed, intercity and re gional trains, locomotives, metros, light rail vehicles and passenger coaches. With innovative signalling solutions Stadler supports the interplay be tween vehicles and infrastructure. Our software engineers in Wallisellen develop Stadler’s own solutions in the areas of ETCS, CBTC and ATO. The “Service & Components” segment offers customers a variety of services, ranging from the supply of individual spare parts, vehicle repairs, mod erni- sation and overhauls to complete full-service packages. -
Coping with Covid-19
COPING WITH COVID-19 Being Social While Social Distancing Margaret Machara, Ph.D., CFLE, Professor, Department of Human Sciences Contact: 615-963-5628, [email protected] Beatrice Harris, Ph.D., Associate Professor & Extension Specialist Rita Fleming, M.S., Assistant Professor & Extension Specialist Kane Reeves, Ed.D., Extension Agent & County Director “Cherish your human connections: your relationships with friends and family” ― Barbara Bush At a time when most of us have been encouraged to stay home as much as possible, we are reminded how important human connection is. While we’ve struggled to maintain a balance of personal space and connection with the family in our home, we also are missing our other friends and family. Social relationships are connected to positive mental health. We may just need to be creative in how we maintain it right now! KICK IT OLD SCHOOL Make a schedule to remind yourself to call Remember letters? At a time occasionally. If you don’t have a lot to say, write when a trip to the mailbox is down some memories to relive or jokes to share. your big outing for the day, give your friends and family AT YOUR something pleasant to pull out. CONVIENENCE A card, a letter, a postcard, even a package is a nice surprise. This is a busy and strange Even if you don’t have a lot of time for all of us. Many news, saying hello and that people are working from you’re thinking of them keeps home and some may be educating their children the connection alive. -
Gotthard Bergstrecke’
University of Lugano, Switzerland Faculty of Economics The touristic future on and along the ‘Gotthard Bergstrecke’ Exploring the associations people have with the region, the motivations of prospective visitors, their requirements to a ‘Gottardo Express’ train offer and the potential of regional attractions. Master’s dissertation Author: Fabio Flepp Supervisor: Prof. Rico Maggi Second Reader: Stefano Scagnolari Academic year: 2014/2015 Submission date: December 2014 ! Contact Author: Fabio Flepp - Linkedin: https://ch.linkedin.com/in/fabio-flepp-a2567043 - Email: [email protected] Table of Contents LIST OF FIGURES IV LIST OF TABLES V LIST OF ABBREVIATIONS VI 1. INTRODUCTION 1 1.1 CHOICE OF TOPIC 1 1.1.1 ALPTRANSIT AND “BERGSTRECKE” 2 1.1.2 CONSEQUENCES, FEARS AND SIMILAR PLACES 3 1.1.3 DISCUSSIONS ABOUT THE FUTURE TOURISM DEVELOPMENT 4 1.2 RESEARCH AIM 5 1.3 OUTLINE 7 2. TRANSPORT AND TOURISM 8 2.1 GENERAL 8 2.2 TRANSPORTATION FOR TOURISM 9 2.3 (TOURISM-) IMPACTS OF NEW TRAFFIC INFRASTRUCTURE 9 2.4 TRANSPORT AS TOURISM & SLOW TRAVEL 10 2.5 RAIL TOURISM 12 2.5.1 MOTIVATION FOR TRAIN TRAVEL 12 2.5.2 HERITAGE RAILWAYS 13 3. GOTTHARD 14 3.1 HISTORY OF THE TRANSPORTATION LANDSCAPE 14 3.2 TOURISM HISTORY IN THE GOTTHARD REGION 15 3.3 TOURISM TODAY 17 3.3.1 TOURISM NUMBERS OF THE GOTTHARD REGION 18 3.3.2 TOURISM MONITOR 2013 18 3.3.3 PRESENT TOURISM PRODUCTS AND TOURISM CARD OFFERS 19 4. TOURISM PRODUCTS (+ DESTINATIONS) 23 4.1 GENERAL 23 4.2 CO-CREATION OF THE TOURISM EXPERIENCE 24 4.3 TOURISM PRODUCT DEVELOPMENT 25 I 5. -
RURBANCE Project Territorial System Factsheet
RURBANCE Project Territorial System Factsheet Territorial System Identification data Name: Zurich Main urban center: Zurich Country: Switzerland State / Region: Canton of Zurich Map 1: A Zurich – Metropolitan Area Zurich (Zurich and greater surroundings) RURBANCE Project Territorial System Factsheet Pilot Area for Rurbance-Project Line Zurich (A) - Gottardo – Milano (B) (planned «Gottardo»-study) Rural and urban regions on the «Gottardo»-route: City of Zurich, Cantons of Zurich, Zug (City of Zug), Schwyz (only inner part of the Canton, City of Schwyz), Uri (capital Altdorf), Ticino (Cities of Bellinzona, Lugano, Mendrisio/Chiasso) and City of Milano RURBANCE Project Territorial System Factsheet Territorial System Reference data City of Zurich (end 2011) Population City of Zurich 390’000 Area (km2): 92 Density: 4’240 p / km2 Cantons of Zurich, Uri, Schwyz, Zug and Ticino (pilot study-area «Gottardo»; end 2011) Population Area Density Number of km2 p / km2 Municipalities Canton Schwyz SZ 148’000 908 151 30 Canton Ticino TI 337’000 2’812 119 147 Canton Uri UR 35’000 1’077 32 20 Canton Zug ZG 115’000 239 481 11 Canton Zurich ZH 1’392’000 1’729 805 171 Pilot study-area «Gottardo» Population pilot area 2’027’000 6’764 296 379 % of Switzerland 25.5% 16.38 % Switzerland 7’953’000 41’285 193 *2‘408 * 1.1.2013 Spoken languages ZH, UR, SZ, ZG German TI Italian RURBANCE Project Territorial System Factsheet Land use (% in the TS, as for the CORINE Land Cover level 2 data 2006, in km2) SZ TI UR ZG ZH pilot area CH Urban fabric (1.1) 41.55 137.70 11.89 -
ACRP Report 37 – Guidebook for Planning and Implementing
AIRPORT COOPERATIVE RESEARCH ACRP PROGRAM REPORT 37 Sponsored by the Federal Aviation Administration Guidebook for Planning and Implementing Automated People Mover Systems at Airports ACRP OVERSIGHT COMMITTEE* TRANSPORTATION RESEARCH BOARD 2010 EXECUTIVE COMMITTEE* CHAIR OFFICERS James Wilding CHAIR: Michael R. Morris, Director of Transportation, North Central Texas Council of Metropolitan Washington Airports Authority (re- Governments, Arlington tired) VICE CHAIR: Neil J. Pedersen, Administrator, Maryland State Highway Administration, Baltimore VICE CHAIR EXECUTIVE DIRECTOR: Robert E. Skinner, Jr., Transportation Research Board Jeff Hamiel MEMBERS Minneapolis–St. Paul Metropolitan Airports Commission J. Barry Barker, Executive Director, Transit Authority of River City, Louisville, KY Allen D. Biehler, Secretary, Pennsylvania DOT, Harrisburg MEMBERS Larry L. Brown, Sr., Executive Director, Mississippi DOT, Jackson James Crites Deborah H. Butler, Executive Vice President, Planning, and CIO, Norfolk Southern Corporation, Dallas–Fort Worth International Airport Norfolk, VA Richard de Neufville William A.V. Clark, Professor, Department of Geography, University of California, Los Angeles Massachusetts Institute of Technology Eugene A. Conti, Jr., Secretary of Transportation, North Carolina DOT, Raleigh Kevin C. Dolliole Unison Consulting Nicholas J. Garber, Henry L. Kinnier Professor, Department of Civil Engineering, and Director, John K. Duval Center for Transportation Studies, University of Virginia, Charlottesville Austin Commercial, LP Jeffrey W. Hamiel, Executive Director, Metropolitan Airports Commission, Minneapolis, MN Kitty Freidheim Paula J. Hammond, Secretary, Washington State DOT, Olympia Freidheim Consulting Steve Grossman Edward A. (Ned) Helme, President, Center for Clean Air Policy, Washington, DC Jacksonville Aviation Authority Adib K. Kanafani, Cahill Professor of Civil Engineering, University of California, Berkeley Tom Jensen Susan Martinovich, Director, Nevada DOT, Carson City National Safe Skies Alliance Debra L. -
Connecting the Residents of the Indigo at Lakewood Ranch Community
Connecting the Residents of the Indigo at Lakewood Ranch Community April 2020 Indigo Insider Newsletter April 2020 1 Community Hello Indigo Residents! It’s very exciting to be your new Indigo Community Association Manager and I look forward to working alongside all residents in this beautiful community to keep you informed and your Indigo Neighborhood Association running smoothly! I hold a Certified Manager of Community Associations (CMCA) designation that is obtained through education in Governance, Legal, Ethical Conduct, Budgets, Reserves, Investments and Assessments, Contracting, Financial Controls, Risk Management, Insurance, Property Maintenance and additional specified areas. I have been a Community Association Manager for seven (7) years and have worked with your builder, Neal Communities, previously. Please do not hesitate to contact me with questions or concerns. The best way to contact me is via email and my email address is found below. You can also call the Access Management office at the number listed and I will return your call as soon as possible. I look forward to meeting you in an informal gathering at the clubhouse once the self-quarantine is over! In the meantime, stay well and practice social distancing to help “flatten the curve”. Colleen Fletcher, CMCA, CAM Community Association Manager cfletcher@accessdifference,com 813-607-2220 Indigo Insider Newsletter April 2020 2 Fitness Challenge: Backyard Easter Egg Hunt There’s plenty we can do from home to enjoy our home comforts and stay fit, both physically and mentally. At the top of the list? Exercise! So pull up a patch of grass and enjoy this compelling “who’d have thought” exercise opportunity. -
110308-10 Bk Lohengrineu 13/01/2005 03:29Pm Page 12
110308-10 bk LohengrinEU 13/01/2005 03:29pm Page 12 her in his arms, reproaching her for bringing their @ Ortrud comes forward, declaring the swan to be happiness to an end. She begs him to stay, to witness her Elsa’s brother, the heir to Brabant, whom she had repentance, but he is adamant. The men urge him to bewitched with the help of her own pagan gods. WAGNER stay, to lead them into battle, but in vain. He promises, Lohengrin kneels in prayer, and when the white dove of however, that Germany will be victorious, never to be the Holy Grail appears, he unties the swan. As it sinks defeated by the hordes from the East. Shouts announce down, Gottfried emerges. Ortrud sinks down, with a the appearance of the swan. cry, while Gottfried bows to the king and greets Elsa. Lohengrin Lohengrin leaps quickly into the boat, which is drawn ! Lohengrin greets the swan. Sorrowfully he turns away by the white dove. Elsa sees him, as he makes his towards it, telling Elsa that her brother is still alive, and sad departure. She faints into her brother’s arms, as the G WIN would have returned to her a year later. He leaves his knight disappears, sailing away into the distance. AN DG horn, sword, and ring for Gottfried, kisses Elsa, and G A F SS moves towards the boat. L E Keith Anderson O N W Mark Obert-Thorn Mark Obert-Thorn is one of the world’s most respected transfer artist/engineers. He has worked for a number of specialist labels, including Pearl, Biddulph, Romophone and Music & Arts.