This study aimed to assess the knowledge level of street food vendors on hygiene in the Tamale metropolis in the Northern Region of Ghana. The study employed the health belief model as the theoretical basis. Quantitatively, the study employed a descriptive cross-sectional study design to examine the microbial load of street-cut fruits and assess the knowledge and practice of vendors of cut fruits on personal and food hygiene in the study setting. The population consists of cut and vented pawpaw, watermelon, and street fruit vendors registered with the health directorate in the Tamale Metropolis. A convenient sampling technique was used to select 113 respondents for the study. The Yamane formula was used to determine the sample size to select one hundred and thirteen participants (113) out of one hundred and fifty-eight street fruit vendors in the Tamale Metropolis. The main instrument for data collection was a questionnaire. A questionnaire had close-ended questions which were developed using a 'Yes' and 'No' response, and a four-point Likert-type scale ranging from 1=Strongly Disagree (SD), 2=Disagree (D), 3=Agree (A) and 4= Strongly Agree (SA). The data were analysed using descriptive statistics (frequency, percentages, means and standard deviation). The findings revealed that the overall knowledge level of respondents is low. The findings also indicate that vendors do not control the rate at which their customers touch their vended fruits. It is recommended that Street fruit vendors and handlers be educated on fruit hygiene practices through engagement by the Health Directorate Unit of Tamale Metropolis and the Ministry of Health. To keep consumers safe, the Tamale Metropolitan Assembly must strictly enforce compliance with regulations on operation permits and health clearance certificates. Metropolitan sanitation officers must regularly monitor fruit vendors to ensure compliance with goods.

Eating at home remains very much ingrained in Ghanaian culture but rapid urbanization coupled with busy lifestyle and advancement in technology has greatly changed the way of life of many Ghanaians. These changes have altered the tradition of cooking and eating at home. The study focused on the determinants of consumer patronage of street foods in the Koforidua Metropolis. The target population comprised customers that patronize the street foods in Koforidua Metropolis. From the target population, 197 consumers were selected using convenience. A structured self-administered questionnaire was utilized to gather the required data. The data collected were coded and analyzed with the help of SPSS-23. The findings revealed that food characteristics and social status determines consumers patronage of street food. It became evident that age (r=0.261, p<0.01), age (r=-0.318, P<0.01), educational level (r=0.144, P<0.05) and occupation (r=-0.477, P<0.01) of consumers has a significant influence on the decision and patronage of street food. The study concluded that food characteristics and social factors are major determinants of consumers patronage of street foods. It is recommended that Food and Drug Authority (FDA), other stakeholders, and street food vendors work cooperatively to establish laws that capture the distinctive and diverse foods sold on the street and their various preparation, storage, and sale methods in order to ensure that food preparation and sales are safe and hygienic.

The pharmaceutical industry is undergoing a profound transformation driven by advancements in Information Technology (IT), with Enterprise Resource Planning (ERP) systems playing a pivotal role in reshaping operations. These systems offer integrated solutions that streamline key business processes, such as production, inventory management, supply chain optimization, regulatory compliance, and data integration, contributing significantly to operational efficiency and organizational agility. This paper explores the evolution and impact of ERP systems within the pharmaceutical sector, highlighting their contributions to overcoming the industry’s inherent challenges, including complex regulatory requirements, the need for accurate and real-time data, and the demand for supply chain resilience. The integration of cloud-based ERP solutions, the incorporation of emerging technologies like Artificial Intelligence (AI), Machine Learning (ML), and the Internet of Things (IoT), and enhanced data analytics capabilities have revolutionized pharmaceutical IT. These advancements not only reduce operational costs, improve forecasting accuracy, and enhance collaboration but also ensure compliance with stringent global regulations, such as Good Manufacturing Practices (GMP) and FDA guidelines. Moreover, ERP systems have been instrumental in managing the pharmaceutical supply chain, ensuring product traceability, and improving inventory control and order fulfillment processes. This manuscript examines how ERP systems enable pharmaceutical companies to maintain high standards of product quality, improve decision-making, and ensure the safety and efficacy of drugs through robust tracking and auditing mechanisms. A case study of a pharmaceutical company that implemented an ERP system demonstrates the tangible benefits, including increased operational efficiency, improved compliance rates, and enhanced customer satisfaction. However, despite the clear advantages, challenges such as customization complexities, data integration issues, and resistance to change remain. As the pharmaceutical industry continues to evolve, ERP systems will remain a cornerstone of digital transformation, facilitating smarter decision-making, better resource management, and enhanced collaboration across global operations. This paper also identifies future trends, including the potential of AI and blockchain technologies in further strengthening ERP systems and transforming the pharmaceutical landscape.

Sentiment analysis, a vital aspect of natural language processing, involves the application of machine learning models to discern the emotional tone conveyed in textual data. The use case for this type of problem is where businesses can make informed decisions based on customer feedback, identify the sentiments of their employees, and make decisions on hiring or retention, or for that matter, classify a text based on its topic like whether it is about a particular subject like physics or chemistry as is useful in search engines. The model leverages a sequential architecture, transforms words into dense vectors using an Embedding layer, and captures intricate sequential patterns with two Long Short-Term Memory (LSTM) layers. This model aims to effectively classify sentiments in text data using a 50-dimensional embedding dimension and 20 % dropout layers. The use of rectified linear unit (ReLU) activations enhances non-linearity, while the SoftMax activation in the output layer aligns with the multi-class nature of sentiment analysis. Both training and test accuracy were well over 80%.

Consumer behavior is evolving, demanding a wide range of products with fast shipping and reliable service. The automotive aftermarket industry, worth billions, requires efficient distribution systems to stay competitive. Manufacturers strive to balance growth with product and service excellence. Distributors and retailers face the challenge of maintaining competitive pricing while keeping inventory levels low. An adequate supply chain and accurate product data are crucial for product availability and reducing stock issues. This ultimately increases profits and customer satisfaction.

The stock market is very volatile and hard to predict accurately due to the uncertainties affecting stock prices. However, investors and stock traders can only benefit from such models by making informed decisions about buying, holding, or investing in stocks. Also, financial institutions can use such models to manage risk and optimize their customers' investment portfolios. In this paper, we use the Long Short-Term Memory (LSTM-RNN) Recurrent Neural Networks (RNN) to predict the daily closing price of the Amazon Inc. stock (ticker symbol: AMZN). We study the influence of various hyperparameters in the model to see what factors the predictive power of the model. The root mean squared error (RMSE) on the training was 2.51 with a mean absolute percentage error (MAPE) of 1.84%.

The extensive globalization of services and rapid technological advancements driven by IT have heightened the competitiveness of organizations in introducing innovative products and services. Among the noteworthy innovations is enterprise resource planning (ERP). An integral field in computer science, known as artificial intelligence (AI), is undergoing a transformative integration into various industries. Grasping the concept of artificial intelligence and its application in diverse business applications is crucial, given its broad and intricate nature. The primary focus of this paper is to delve into the realm of artificial intelligence and its utilization within enterprise resource planning. The study not only explores artificial intelligence but also delves into related concepts such as machine learning, deep learning, and neural networks in greater detail. Drawing upon existing literature, this research examines various books and online resources discussing the intersection of artificial intelligence and ERP. The findings reveal that the impact of AI is evident as businesses attain heightened levels of analytical efficiency across different ERP domains, thanks to remarkable advancements in AI, machine learning, and deep learning. Artificial intelligence is extensively employed in numerous ERP areas, with a particular emphasis on customer support, predictive analysis, operational planning, and sales projections.

This paper examined the language of persuasion and negotiation in the Ghanaian market context using a local community market (Agartha Market) in Koforidua as a case study. It investigates how the language of persuasion and negotiation is couched in the context of the market by both traders and customers. The theoretical framework within which this study is hinged is the stylistic theory of Leech and Short [1]. Specifically, the grammatical and figure-of-speech prong of the theory have been used. While observation and audio recordings were used to collect the data, the content descriptive method was used in the description and analysis of the data. The findings revealed that, relative to sentence complexity, persuasion and negotiation made adequate use of compound sentences than simple sentence structures. While simple sentence structures are used by traders to attract customers’ attention and arouse their psychological interest and curiosity, customers used them in negotiations for mainly interrogative and position-shift purposes. Compound and complex structures were used by traders for elaborative purposes in order to espouse the good qualities that are inherent in their products in order to convince their customers to buy their wares. Figuratively, repetition, hyperbole, and suspense are the key tropes used. These tropes are dominant in persuasion than in negotiation. Again, while the language of persuasion is monologue that of negotiation is dialogue. Code-mixing is also common characteristic in the language of negotiation and persuasion. The dominant local language (Twi) and the official language (English) are usually used in the communication process. This research thus has implication for research and pedagogy as it extends the literature and can also influence the restructuring of educational polices especially those related to language since society and school (education) are intricately related.

Most people can't subscribe to every direct-to-consumer platform today, and the number is growing. The platform's content and the user's experience influence the decision to subscribe or buy. Today's consumers anticipate instantaneously curated content exploration, acquisition, and consumption. Media firms actively seek to increase both click-through rate and profitability by enhancing the user experience and enticing customers to subscribe or buy premium content through recommender systems. The direct-to-consumer platforms may maintain user engagement after consumers have visited the contents by providing suggestions that make the most of the site's rich content catalogs. By bringing it to the attention of viewers based on their viewing habits, for instance, effective recommendation systems might boost earnings for underappreciated "long tail" content. This research explores various recommender system types currently in widespread usage with an analysis of some of the fascinating breakthroughs.

Wireless networking is the connection of computers, digital communication devices, network equipment, and various other devices via radio waves. It is applied in places where the wired infrastructure cannot be installed or the price of introducing such a structure is too high. In addition, it has some features that are a great advantage over wired networking, such as customer mobility, easy expandability, and fast and low-cost temporary networking. Wireless technology allows us mobility and ease of use, but most users do not think about security. Users are insufficiently informed about the dangers of the Internet. Many of them do not pay attention to that and access important data such as bank accounts, e-mail, and any other contents that must be preserved and hidden. Today, there are more and more malicious actions, where hackers use various methods and technologies to attack users' accounts, bypassing all protections. Today, the issue of security is one of the priorities for every Internet user. Due to its characteristics, wireless communication is exposed to attacks due to the way they are sent, and there is a possibility of intercepting information.

The task of recommending products to customers based on their interests is important in business. It is possible to accomplish this with machine learning. To reduce human effort by proposing movies based on the user's interests efficiently and effectively without wasting much time in pointless browsing, the movie recommendation system is designed to assist movie aficionados. This work focuses on developing a movie recommender system using a model that incorporates both cosine similarity and sentiment analysis. Cosine similarity is a standard used to determine how similar two items are to one another. An examination of the emotions expressed in a movie review can determine how excellent or negative a review is and, consequently the overall rating for a film. As a result, determining whether a review is favorable or adverse may be automated because the machine learns by training and evaluating the data. Comparing different systems based on content-based approaches will produce results that are increasingly explicit as time passes.

An advertisement is the promotion of a product, brand, or service to customers in order to pique their attention and increase sales. Advertisement comes in many forms, like video, picture, and song. The main purpose of advertising is to make the product or brand known to the public and bought by people. In advertising, the producer or company will use the slogan as the product identity itself. Slogan can give bridge the advertisement about the image of product. In slogan there are short words, often memorable to send a message of the advertisement to the people. This study aimed to analyze the type of figurative language used in advertisement slogan. The design of this research is descriptive qualitative method. In this research, the researchers focused on English slogan of Indonesia advertising. The data were collected from internet, newspaper and television. Furthermore, the collected data were analyzed by Kennedy’s (1983) theory. The researchers found there were 15 English slogan of advertisement. Based on the data analysis, the result of the research showed that the most types figurative language used in advertisement slogan was Metaphor (33,33%) or 5 slogans, personification (26,66%) or 4 slogans, hyperbole (26,66% ) or 4 slogans and symbol (13,33%) 2 slogans. The researchers did not found type of figurative language Simile, Litotes, Synecdoche, Allusion, Paradox, Irony, Ellipsis and Metanymy in advertisement slogans. As we can see, the dominant type of figurative language used in advertisement slogan was Metaphor with total amount 5 slogans (33,33%) from the data.

The purpose of this study was to investigate the key role of service quality and beauty of sports facilities in increasing customer satisfaction. The research method is descriptive and correlational research. The statistical population of the study was 154188 organized athletes covered by sports insurance (103890 men, 50298 women) who were working in sports halls of Mazandaran province and according to Morgan table, 384 athletes were randomly selected by cluster Were. Aesthetic questionnaire, service quality and customer satisfaction were used to collect information. Data analysis was performed using Pearson test and structural equation modeling by SPSS24 and Amos structure analysis software. According to the research results, the indirect effect of aesthetics of sports venues on increasing customer satisfaction through service quality is significant. Managers can take effective steps to increase their presence and increase the income of gyms by using quality improvement strategies and customer satisfaction.

Due to influence of Internet, this e-commerce sector has developed rapidly. Most of the online retailing or selling businesses are seeking for way for predicting their products demand. Sales forecasting may help retailers develop a sales strategy that will enhance sales and attract more money and investment. The current research work puts forward a machine learning framework to forecast E-commerce sales for strategic management using a dataset of E-commerce transactions. With 70 percent of the data for train and 30 percent for test, three models were produced, namely, Random Forest, Decision Tree, and XGBoost. In order to evaluate the models, performance measures inclusive of R-squared (R²) and Root Mean Squared Error (RMSE) were employed. Thus, the XGBoost model was the most accurate in marketing predictive capabilities for E-commerce sales with the R² score of 96.3%. This has demonstrated the increased capability of XGBoost algorithm to forecast E-commerce monthly sales more accurately than other models and can assist decision makers for managing inventory and arriving smart and quick decisions in this rapidly growing E-commerce market. The findings reiterate the importance of using advanced analytics in order to drive effectiveness and customer experience within E-commerce sector.

The current financial services sector is realising considerable changes in its operations due to development in technology and embracing of digital platforms. This evolution is changing the established concepts of business, consumers and channels of delivery of services. Financial services firms are changing the way they work through digital transformation due to developments in technology, changes in customer needs, and an increase in emphasis on sustainability. Understanding the opportunities, risks, and new trends in digital transformation is the focus of this paper. Opportunities include efficient real-time decision-making processes, increased transparency and better process controls, which are balanced by the threats of change management, dubious organization-technology fit, and high implementation costs. The study also examines recent advancements, including the application of machine learning and artificial intelligence, developments in mobile and online banking, integration of blockchain, and increasing focus on security and personalised banking. A literature review yields some findings from different studies on rural financial services, the evolution of the blockchain, drivers of digital transformation, cloud-based learning approaches, and emerging sustainability practices. All of these results suggest that more strategic planning, analytics, and more focus on ensuring that organisational objectives are met with transformations should be pursued. Hence, this research findings add to the existing literature in determining how innovative and digital technologies are likely to transform the financial services sector and advance sustainability.

To ensure maximum flexibility, service providers offer a variety of computing options with regard to CPU, memory capacity, and network bandwidth. At the same time, the efficient operation of current cloud applications requires an infrastructure that can adjust its configuration continuously across multiple dimensions, which are generally not statically predefined. Our research shows that these requirements are hardly met with today's typical public cloud and management approaches. To provide such a highly dynamic and flexible execution environment, we propose the application-driven autonomic management of data center resources as the core vision for the development of a future cloud infrastructure. As part of this vision and the required gradual progress toward it, we present the concept of composable infrastructure and its impact on resource allocation for multi-cloud environments. We introduce relevant techniques for optimizing resource allocation strategies and indicate future research opportunities [1]. Many cloud service providers offer computing instances that can be configured with arbitrary capacity, depending on the availability of certain hardware resources. This level of configurability provides customers with the desired flexibility for executing their applications. Because of the large number of such prerequisite instances with often varying characteristics, service consumers must invest considerable effort to set up or reconfigure elaborate resource provisioning systems. Most importantly, they must differentiate the loads to be distributed between jobs that need to be executed versus placeholder jobs, i.e., jobs that trigger the automatic elasticity functionality responsible for resource allocator reconfiguration. Operations research reveals that the optimization of resource allocator reconfiguration strategies is a fundamentally difficult problem due to its NP-hardness. Despite these challenges, dynamic resource allocation in multi-clouds is becoming increasingly important since modern Internet-based service settings are dispersed across multiple providers [2].

In today's fast-changing world, digital has become a way of life in every single field, and it is affecting all industries by providing multi-channel connectivity with people. In the banking industry, moving to the digital age allows for more improvements in customer-related operations and transaction-related operations within a day. These studies are from the perspective of customers. Customers prefer the flexibility of using digital financial services. Banking clients are commonly given technology-related services, whether they are online or not. Now, banks are focused on providing instant credit card issuance and personalized financial solution services to their clients. They are responsible for managing mass affluent clients who conduct transactions approximately the same as mass retail clients. Providing personalized services on time to individual end users will significantly enhance customer value with the banks. Customers who use the bank digitally perform more operations than those who go to the branch. Thus, they become more valuable clients for the banks. This strategic approach to the digitization process takes place in this fast-changing environment, and the major steps of this journey will be explained in the next chapters [1].

Innovations in computing and communication technologies are reshaping finance. The seismic changes are casting uncertainty about the future of financial services. On one hand, fintech evangelists project a rosy future, asserting that the fast-moving algorithms can deliver low-cost financial services intuitively, customized to meet robust consumer expectations. On the other hand, many finance veterans fret that the traditional banking model could disintermediate, bleeding banks via a ‘death by a thousand cuts’, reducing them to passive portfolio holders with no direct customer relationship, eclipsed by digital giants which use their enormous treasure troves of customer data to offer banking as an added service with nearly free cost. Amidst the upbeat technological promises and apocalyptic forebodings, there are two constant, mostly agreed-upon, truths. The first is the vital importance of data. Advances in the internet, cloud computing, and record-keeping technologies are producing an ‘exponential growth in the volume and detail of data’. Some of this big data are personal information. Smartphones are deployed in almost all developed and emerging economies, serving as little spies; tracking, recording location histories, social networks, and app usage of their unsuspecting owners; often with a great degree of precision. ‘People are walking data-factories’ in this ‘mobile digital society’. Data are the fermentation of these global exchanges, electronic commerce and communication, and financial transactions. To just take Facebook as an example, it shares 30 million people a day through updates and posts, hosting personal information on 2.23 billion users. To the alarm of the uninformed public, much of this information is available for commercial harvest. The second constant is the rise of intelligent solutions. Consumers today—be it disclosed or not—are fed tailored clothes, music, film, holiday packages—almost anything you like, notably dynamic pricing, varying in accordance with individual profiles, or personalized search results. The availability of powerful computers has enabled comparable applications that are intended to make the system more responsive to their customer profiles and desires, or to capitalize competitive business possibilities. Such changes will transform the financial industry and occupy a prominent position among the mechanisms of policy competition, reshaping the way in which financial services are bestowed and led on the demand side.

The field of sentiment analysis is a crucial aspect of natural language processing (NPL) and is essential in discovering the emotional undertones within the text data and, hence, capturing public sentiments over a variety of issues. In this regard, this study suggests a deep learning technique for sentiment categorization on a Twitter dataset that is based on Long Short-Term Memory (LSTM) networks. Preprocessing is done comprehensively, feature extraction is done through a bag of words method, and 80-20 data is split using training and testing. The experimental findings demonstrate that the LSTM model outperforms the conventional models, such as SVM and Naïve Bayes, with an F1-score of 99.46%, accuracy of 99.13%, precision of 99.45%, and recall of 99.25%. Additionally, AUC-ROC and PR curves validate the model’s effectiveness. Although, it performs well the model consumes heavy computational resources and longer training time. In summary, the results show that deep learning performs well in sentiment analysis and can be used to social media monitoring, customer feedback evaluation, market sentiment analysis, etc.

Technological advances have had a transformative impact on the retail landscape. Challenges arise with guaranteeing technological changes lead to, rather than detract from, increased efficiency and positive experiences. First, integrating technology into the supply chain in an aggressive way is costly. It requires vast changes to existing systems and developments of cross-industry communication protocols. Secondly, the public is often quick to reject technological changes or slow to become users. Finally, ensuring that technological advancements do not only benefit the top few retailers and are accessible to those of any size poses a challenge, as has been seen in the fate of only a handful of radical changes in retail technology. On the other hand, an integral aspect of technology, particularly that used for big data collection and processing, is that it can account for these and other variables. It can predict the success of ventures into modernizing or developing new systems and can identify more effective and efficient ways to do so. Of course, the concerns of job loss or technological monopoly still loom. But, it would seem, the continued advancement of technology in the retail landscape is inevitable.

This paper shows how Big Data Analytics (BDA) and Artificial Intelligence (AI) automation facilitate regulatory compliance in Finance. Regulatory compliance is essential in helping institutions to mitigate reputational, litigation, and financial risk. Existing literature reveals several preconditions for compliance. However, much of the literature has adopted an internal view of compliance without considering external regulatory frameworks. This research draws on the cognitive model of regulation that looks at regulatory compliance as a social construct. It uses a triangulation research method comprising literature review, interview of trade compliance experts, and questionnaire survey of compliance practitioners to understand how regulation affects compliance and what role ICTs play in implementing compliance. The findings of this study present a regulatory compliance framework comprising four cognitive stages and a conceptual regulatory compliance system that presents how BDA and AI automation are applied to mitigate regulatory complexity and enhance regulatory compliance. The conceptual regulatory compliance system shows how BDA and AI enable institutions to dynamically assess regulatory risk, automatically monitor compliance, and intelligently predict risk violations mitigating regulatory complexity and preventing producing unnecessary documents. It provides theoretical contributions to understanding regulatory evolution and compliance and practical implications for understanding how regulation evolves to be more complicated and elements of a regulatory compliance system mitigate proliferating regulations. Additionally, it provides avenues for future research into the relationship between competing regulatory mandates and how institutions cope with that. Regulations are important for ensuring compliance and governance in finance and to curb systemic risk. Complying with regulations is difficult due to their growing volume, complexity, and fragmentation. Institutions use large-scale Information and Communication Technologies (ICTs), such as Big Data Analytics (BDA) and Artificial Intelligence (AI) automation, to monitor compliance and mitigate regulatory complexity. However, less is known about how firms comply with regulation. Most literature does not thoroughly investigate regulatory elements nor explicitly relate them to compliance.

The evolution of supply chains (SC) from a linear to a network structure created an opportunity for new processes, product/service offerings, and provider-business. Rising customer service expectations have led to the need for innovative SC designs to develop and sustain competitive performance globally. Firms are forced to respond and adapt accordingly, thereby leading to design, network, operational, and performance dynamics. Traditionally, SCs are treated as static structures, focusing solely on design and/or operational optimization. Such perspectives are not viable options for SC domains, as they address only a portion of the dynamic problem space, use a deterministic assumption of dominant design variables, capitalize on past data to predict future decisions, and offer pre-classified forecasting options complemented with a limited comprehension of systemic SC elasticity. Novel self-learning agentic systems are proposed that blend the sciencematics of SC decisions and dynamics. The designs guide firms seeking to build adaptive SCs using operational decision processes. The designs address the agentic nature of SC, embedding computational interaction models of firm SC networks. The designs contrast the stochastic action-taking and thereby the performance outcomes, discovering opportunities for adaptive operational designs of SC tasks. Fine-tuning and meta-learning are new design capabilities that adapt to evolving dynamic environments. Frameworks for behavioral customization and systematic exploration of the design space are provided as user guides. Exemplar designs are also provided to serve as a translation template for users to express operational models of their own contexts. To account for the dynamics of supply chains (SC), agent-based models are increasingly adopted. Such models exhibit SC structure and/or formulation dynamics. Though existing efforts commence adjacent-only structural changes, dynamism with respect to tasks is crucial for SC design and operational strategy development. Proposed is a process modeling library and workflow for discovering intricate designs of adaptive agentic systems. The library revises Dataflow and Structure, concealing sequencing and context designs of processes. Prompted specifications describe and enact designs. Applications in SC formulation discovery are provided.

This study aims to achieve a new understanding of how, why, and when consumer behavior is shaped, enacted, and experienced inside and across integrated digital ecosystems related to large-scale trackable goods, all in service of helping marketers optimize their business performance in the new economy. The pioneering understanding begins by exploring what motivates the choices of a homogeneous group of consumers to organize their consumption of national and store brand varieties of consumer package goods in a certain manner. Thereafter, the essay explores how, if at all, the other digital activities of consumers across various product-related digital spaces and on various platforms build expertise and interest in these products such that they exert an effect on the purchase choices for these products. The essay then advances to asking how online information seeking, in various product-related digital spaces, on various platforms, and from various sources, and taking place at various points in the purchase journey affects online-offline dynamics in purchasing these products. Thereafter, the research examines how paid digital communication in various product-related digital spheres and forms, enabled by consumer advertising engagement on various platforms, boosts the offline sales of these products. Finally, by employing a new methodology that combines consumer scanning data, self-reported online activity data, and transaction data collected from an ad-tech partner, the research presents a fresh set of marketing action levers and performance outcomes on chosen products. Along the way, progress is made on four under-investigated topics in the advertising literature – the role of consumer actors and their expertise in the online-offline purchasing dynamics for ads, advertising engagement, consumer digital spaces, and consumer digital activity investment.

Imagine a consumer financial services company with 20 million customers. Its sales and marketing organizations collaborate across product lines, deploying hundreds of marketing campaigns each quarter that aim to increase customer product usage and/or cross-buying of products. Each campaign is based on forecasts of customer responses derived from predictive models updated every quarter. The goals of these models are to achieve large return on investment ratios and to maximize contribution to local profit centers. What’s important is that their modeling is based only on data created, curated and maintained by these marketing organizations. The difference today is that the modeling is no longer based solely on a small number of response-determined variables that are constantly assessed in terms of importance. A quarterly campaign update generates hundreds of statistical models — involving campaign responses, purchase-lag time, the relative magnitude of the direct effect, and the cross-buying effects — using thousands of variables, including customer demographics, life stage, product transactions, household composition, and customer service history. It’s a network of models, not just a table of variable-by-residual importance values. But that’s only part of the story of data products. The predictive modeling utilized by these campaign plans is based on analytics and data preparation, which are data products in their most diminutive form. These products would be even more elementary were they not crafted quarterly by highly skilled, experienced modelers using advanced software and processes. Most companies have enough data to create models that contain not simply hundreds of variables, but thousands, so that the focus can return to information instead of data reduction. These models largely replace the internal econometric models previously used to produce advanced forecasts in the absence of campaign modeling. People used these forecasts to simulate ROI and contribution forecasts for the planned campaigns. In the old days, reliance on econometrically forecast ROI-guideline contribution values reduced the reliance on the marketing campaign modelers because of a lack of trust in their predictive ability.

The supply chain ecosystem plays a very important role in the success or failure of organizations, markets, and economies. Supply chain ecosystems are broadly defined as supply chain organizations and their collaborators. Today's combined challenges of pandemic shutdowns, rising internet usage, and skyrocketing climate change concerns demand that the supply chain ecosystem better connect with customers, when and how they want, to provide products and services with high levels of availability and zero defects, yet collaboratively do this to reduce transportation and production risks, often at the same time reducing operational costs and carbon footprints. Addressing these challenges, this work explores the cloud delivery capabilities of cloud-native architectures to enable the big data integrations and analytics that are needed to grow smarter supply chain ecosystems. This work describes what smart supply chain ecosystems are and how they are planning to grow their technology and integration capabilities. Discussing the industry-leading advanced and manufacturing technology producer ecosystems, it is explained how their technology collaboration and investment plans are driven by climate change and job creation goals. With these background models, the work examines the new digital reality of customer-driven experiences and economies that are demanding cloud-native and intelligent technology partnerships to deliver climate objectives, operational responsiveness, and compatibility to avoid trading economies of scale for economies of integration. The final objectives of this paper are to share key ideas about the need to balance the growing customer service direct-to-consumer business models with those for collaborative investment by market and industry. In doing this, it hopes to promote an intelligent supply chain ecosystem foundation for helping its different participating countries survive and thrive in the digital economy.

Cloud native ETL pipelines support the extract and transform phases of real time claims processing in large scale insurers. The cloud native approach offers dramatic improvements in scalability, reliability, resiliency and agility as well as seamless integration with the diverse set of data sources, destinations and technologies characteristic of large scale insurers. The ETL process extracts data from source systems such as core transaction, fraud, customer and accounting processes, transforms the data to create a usable format for analytics and other applications, and loads the resulting tables into business intelligence or data lake systems for subsequent storage and analysis. By addressing these two phases of the overall ETL process, cloud native ETL pipelines can provide timely, reliable and consistent data to data scientists, actuaries, underwriters and other analysts. Real time processing represents a key priority within the overall claims process: faster, more accurate claim approvals reduce insurer costs, improve customer service and enhance premium pricing. As a result, a variety of claims related use cases are moving from batch to real time.

Predictive modeling, supported by machine learning technology, aims to analyze data in order to guide decision-making towards actions generating desired values in the future. It encompasses the set of techniques used to build models that estimate the value of a certain variable predicting a forthcoming event from the past or current values of relevant attributes. In predictive healthcare modeling, the built models represent the relationship among the data concerning customer, provider, production, and other aspects of the healthcare environment in order to assist the decision processes in the prevention of diseases and in the planning of preventive actions by detection of high-risk patients. Contrary to trend analysis, whose goal is to describe past events, predictive models aim to provide useful indications regarding future events and changes. Predictive healthcare modeling supports actions that try to prevent the manifestation of diseases in healthy individuals or try to diagnose as early as possible the incidence of a disease in patients at risk. A sound predictive analysis encompasses not only the model-training task, but also the aspects of data quality, preprocessing, and fusion during its entire implementation lifecycle to ensure appropriate input data preparation. The robustness of the predictive model and its results depends highly on data quality. Due to the variety of data sources in healthcare environments, it becomes essential to use preprocessing in order to remove noise and inconsistencies. The increasing number of endorsable data exchange standards makes each data exchange achievable, but it demands the implementation of a data-governance program. In addition, the influence of the hospital-database architect on the architecture of an early-diagnosis model is important to guarantee appropriate input-formatting modularity.