This article describes how the information about an individual's personal health is among ones most sensitive and important intangible belongings. When health information is misused, serious non-revertible damage can be caused, e.g. through making intimidating details public or leaking it to...

The study was carried out to examine articles published in Bayero Journal of Interdisciplinary Studies (BJIS). The study was carried out quantitatively, 61 articles published in the Bayero Journal of Interdisciplinary Studies from 2008- 2013 were surveyed to carry out the study and descriptive...

In 2014, a union of German research organizations established Projekt DEAL, a national-level project to negotiate licensing agreements with large scientific publishers. Negotiations between DEAL and Elsevier began in 2016, and broke down without a successful agreement in 2018; during this time,...

The assessment of businesses' credit risk is a difficult and important process in the area of financial risk management. In a classical multivariate model, financial ratios are combined in order to achieve a credit risk score, which signals if a loan application is approved or discarded. Despite...

A lack of reliable credit risk measurements and poor control of credit risks has caused massive financial losses across a wide spectrum of business. Financial institutions like banks have not been able to control and contain the rapid increases of the credit defaulting. In this paper, we address...

This article presents a comparator module which aims to compare, in real time, executions of organizational transactions with patterns of behaviors of these transaction executions, allowing the determination of which execution pattern is being followed by running each transaction. This is...

Pervasiveness of information systems is well underway, redefining our social and economic relationships. This technological revolution has generated enormous capabilities, but also enabled the creation of new vulnerabilities and threats. A major challenge in the field of information systems is...