IoT technology required to build smart homes, regarding automation and control processes, represents a significant information security and personal data protection challenge. Smart homes demand a new level of security requirements as they contain relevant, vulnerable and private information....

Ratings in emerging markets can serve as part of the early warning systems to reflect the weak signals of potential risks to the entity from the environment. Emerging markets have specific features that rating agencies usually consider in judgments of their credit ratings. They are underpinned...