ASEAN Journal on Science and Technology for Development

Financial systems are the entities in charge of promoting, growing, and enhancing economic growth and development. To be viable in the market, financial institutions must maintain enough liquid assets to meet any unforeseen demand from customers at any time needed. Currently, banks are pursuing cutting-edge technologies to survive and thrive in an ever-changing market environment. This paper aims to examine the relationship between information and communication technology (ICT), macroeconomics and bank liquidity risk in Asia and the Pacific. The research took place between 2012 and 2018 and the nations were chosen based on data availability; as a result, the sample included 24 Asian and Pacific countries. Stata 15 software was used to run the static panel data to evaluate the finding. The result was tested using the Hausman Specification test. The finding showed that mobile cellular and ATM have a positive relationship with liquid assets ratio. While the interest, fixed broadband, and secure internet server have a positive relationship with cash deposits ratio. The GDP and interest are inconsistent with the expected finding. The result highlighted the importance of secure internet servers in doing transactions which affect customers' perceptions specifically the increase in the cash deposits ratio. The increase in ATM has a positive impact on liquid assets ratio. The contribution of this paper suggests that the improvement in transaction security may increase payment transparency because every transaction is traceable, reducing the possibility of fraud and crime; and does not face as many flurries. The bank should adapt to the changing market environment by considering the latest technological resource that can help facilitate the transactions to improve the quality of bank liquidity risk.

Sarmila Udin

Imbarine Bujang

Nancy Chiuh Noemi

A Gold Mine: The Importance of Information and Communication Technology (ICT) on Bank Liquidity in Asia and the Pacific

金矿：信息与通信技术(ICT)对亚洲及太平洋地区银行流动性的重要性

Neo-banks in India are harnessing data analytics to address ESG risks, collaborating with various stakeholders, and striving to promote ESG values. Their endeavours not only enhance the customer experience but also contribute to a more sustainable and ethical financial system, with the potential to reduce the carbon footprint as digital banking gains traction in India. We examine whether ESG-rated banks can diminish customer effort and improve the overall customer experience, ultimately encouraging greater participation in sustainable financial practices. We employ text mining to analyse 2156 reviews of ESG-rated banks' digital services, from which we derive the Customer Effort Score. We find a linear relationship between the ESG values and the Customer Effort Score. The customer reviews suggest that neo-banks in India have the potential to revolutionize the banking industry. However, they need to address customers' concerns regarding the limited range of products and services offered and the high interest rates on loans. ESG-rated banks are more likely to take a customer-centric approach to their business. Banks with firm ESG commitments tend to uphold transparent supply chains, improving customer experiences and higher Customer Effort Scores. Consequently, banks are increasingly adopting ESG principles as an integral part of their business models. ESG ratings are a valuable metric for gauging a bank's commitment to long-term sustainability. We find that banks with a strong commitment to ESG principles are more likely to maintain transparent and ethical supply chains, thereby reducing the risk of their customers encountering privacy-related issues or questionable practices.

Baba Gnanakumar P

Ulaganathan Subramanian

M.K. Baby

Debunking Indian Neo-banks' Customer Effort Score and ESG Values

揭穿印度新银行客户努力评分与ESG价值

Traditional Bruneian delicacy which are often reserved for special occasions; called the kelupis Sulang made from glutinous rice, coconut milk, and the flesh of the Brunei Sulang fruit's protein content were studied. The protein content of both kelupis and the sulang fruit were examined using both qualitative and protein concentration analyses. The analysis was performed using the Xanthoproteic test, Ninhydrin test, Sulphur Reduction test, and the Biuret test. The readings were obtained from the UV-Visible Spectrophotometry and revealed an average protein concentration of 21 mg/ml in aqueous extracts of kelupis sulang and 26.8 mg/ml in aqueous suspension of kelupis sulang at various wavelengths (280 nm, 450 nm, 540 nm, and 550 nm). These findings underscore the nutritional significance of a delicacy that is typically enjoyed only on special occasions, shedding light on its potential to contribute valuable protein resources to meet dietary requirements.

Siti Nadia Saifullzan

Jhoorhanah A. Halim

Mas M. Rambli

Aida M. Basri

Protein Content Analysis on Brunei Delicacies: Kelupis Sulang and Sulang Fruit

文莱美食蛋白质含量分析：克鲁皮斯苏朗和苏朗果

The worldwide cheese production is dominated by animal milk sources with various industrial procedures, including animal rennet. There is a need to diversify the animal-based dairy products into plant-based one, not only to nurture the halalan tayyiban concept for Muslims, but also to accommodate the dietary restriction of some consumers. The objective of this work is to formulate a cheese type derived from plant-based milk with permissible ingredients to create a product for Muslim and non-Muslim consumers. In this study, we explored the use of conventional and non-conventional cheese-making procedures. A total of four experimental formulations (EF1-4) combinations were conducted to optimize the favourable characteristics of the cheese samples (CS). The research findings indicated that the experimental formulation 4 (EF4), using non-conventional cheese-making generated a satisfactory solid and stable structured cheese. The physicochemical evaluation of cheese samples was assessed and used for the classification of cheese type. All samples had an acceptable range of melting points between 43 to 50 ℃, which is crucial for the proper storage ability and marketability. While the result shows that the moisture and fat content of samples ranged from 76.3 - 82.6% and 19.1 to 26.3% respectively, this indicates that soft medium to full fat-cheese type samples has been stably produced. Random sensory panellist assessment (n=20) was also conducted for EF4 samples that were successfully evaluated. The sensory data findings revealed that sample CS21 had the highest consumer acceptability (5.7 ± 0.99) with a slightly more satisfactory texture compared to other formulations (5.3 ± 1.58 to 5.5 ±1.36). The research concludes that for future studies further optimisation of the formulation is needed to create a viable prototype for the Brunei market.

Hasna B. Mazalana

Syazana A. Lim

Beston F. Nore

Development of Halalan Tayyiban Plant-Based Cheese Formulations

清真植物基奶酪配方的开发

This exploratory study, through seven field observations and interviews, investigates the technological advancements transforming Brunei's agricultural landscape in pursuit of local production augmentation and self-sufficiency. It confronts challenges with emerging technologies like aquaponics, hydroponics, fertigation systems, closed-house poultry systems, and UV lighting, which hold promise for enhanced farming practices. The research provides a comprehensive assessment of current practices, including livestock management advancements, underscoring their potential to boost productivity, optimize resource use, and promote sustainable agriculture. Furthermore, it discusses the broader implications for industry standards, job employability, and alignment with Brunei's Vision 2035. The findings contribute invaluable insights, advocating for strategic policy reforms, capacity building, and continued research to strengthen and future-proof Brunei's agricultural sector.

Muhammad Firdaus Mujibuddin Syah Mustafa

Navaranjan Namasivayam

Hong Shyang Pei

Fatnin Farhanah Alihan

Amni Sahilah Sahrullamzah

Khairina Umairah Takiyaudin

Technological Advancements in Brunei’s Local Agriculture and Fisheries Companies: An Exploratory Study Based on Field Observations

文莱本地农业和渔业公司的技术进步：基于实地观察的探索性研究

Nursyarif Agusniansyah

Gusti Novi Sarbini

Innovative Integration Of Modern Facade Design With Traditional Bubungan Tinggi Facade: Towards a Sustainable Home

现代立面设计与传统高脊立面创新融合：迈向可持续家园

Bui Van Chinh

Khong Vu Quang

Khanh Nguyen Duc

An Experiment Study on Implementing Syngas on a Small Generator Set

小型发电机组实施合成气实验研究

In the age of Industry 4.0, recognition of human moving actions becomes an essential element in smart surveillance systems at public places. The requirement of a large number of frames, view dependency and the requirement of big database are still challenging issues for human action recognition in real-time applications. This study proposes an efficient method for basic moving actions, "Walking" and "Running", based on foot-lift features aiming at the recognition of ongoing moving action by reducing the number of frames required. The plane of moving path and foot-lift are estimated during the action by means of BLOB analysis. The performance of proposed method is evaluated using moving actions from three different datasets. The recognition rate of proposed method is analyzed by using 3, 5 and 7 consecutive frames in each recognition phase. The experimental results show that a minimum accuracy of 80% can be achieved by using only three consecutive frames in both orthogonal and perspective views. When seven frames are used in each recognition phase, the accuracy raises up to 94%. The processing time required for a single frame is 0.08 s or a processing rate of 12 frames per second is achieved. Thus, foot-lift is one reliable feature for human moving action recognition.

Khin Cho Tuna

Hla Myo Tunb

An Efficient Method for Recognition of Human-in-motion Action Based on Foot-lift Features

基于足部抬升特征的高效人体运动动作识别方法

涉及主题	生物工程类化学物理有机化学材料科学量子力学地质学计算机科学生态学复合材料生物化学地理热力学医学环境科学冶金数学
出版信息	出版商: University of Brunei Darussalam，出版周期: ，期刊类型: journal，开源期刊: 是
基本数据	创刊年份: 2019，原创研究文献占比: 0.00%，自引率:N.A.， Gold OA占比: 0.00%
平均审稿周期	14 weeks

ASEAN Journal on Science and Technology for Development

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A Gold Mine: The Importance of Information and Communication Technology (ICT) on Bank Liquidity in Asia and the Pacific

Debunking Indian Neo-banks' Customer Effort Score and ESG Values

Protein Content Analysis on Brunei Delicacies: Kelupis Sulang and Sulang Fruit

Development of Halalan Tayyiban Plant-Based Cheese Formulations

Technological Advancements in Brunei’s Local Agriculture and Fisheries Companies: An Exploratory Study Based on Field Observations

Innovative Integration Of Modern Facade Design With Traditional Bubungan Tinggi Facade: Towards a Sustainable Home

An Experiment Study on Implementing Syngas on a Small Generator Set

An Efficient Method for Recognition of Human-in-motion Action Based on Foot-lift Features

A Gold Mine: The Importance of Information and Communication Technology (ICT) on Bank Liquidity in Asia and the Pacific

Debunking Indian Neo-banks' Customer Effort Score and ESG Values

ISSN	0217-5460, 2224-9028
h-index	7