Although some organizations are contemplating the potential impact of blockchain technology in today’s economy, blockchain, itself, is quickly emerging to be a disruptive force. This is especially true in the circumstance of loyalty programs. Blockchain is a public, digital, and distributed database solution providing decentralized management of transactional data. This technology is transforming society in ways that were previously unimaginable. Whether it be the way individuals use their phones, cars, or the healthcare system, blockchain is applicable for a variety of economic sectors and transactions. Although many may argue that blockchain is in its early development stage, it still possesses the power to revolutionize industries and consumer habits at a global scale. Through implementation of blockchain for loyalty networks, companies eliminate the limitations and inefficiencies while elevating the customer experience with secure and immediate redemption options from a variety of vendors. Despite evolving rapidly, its implementations provide better security, privacy, performance, usability, data integrity, and scalability, to name a few. Hence, blockchain is likely to entice any individual for instantaneous incentives for every purchase.This paper aims to analyze the current, traditional loyalty programs and the challenges associated with them. It highlights how blockchain can resolve these challenges and provide a better experience. This report further explores the various types of loyalty programs that currently exist in the blockchain ecosystem and provides potential future implementations. Finally, the paper analyzes the implementation of coupons in comparison with loyalty points programs, highlighting the vast spread of blockchain implementation.
A presente dissertacao realizou uma analise sobre aspectos conceituais, inovativos,
mercadologicos e quantitativos do Bitcoin. Apos expostos conceitos basilares sobre o Bitcoin,
moedas digitais e moeda buscou-se contextualizar o Bitcoin como inovacao financeira. Com
relacao aos aspectos inovativos o surgimento do Bitcoin representou uma inovacao radical e
pre-paradigmatica com potencial de destruicao criativa. Tambem foram expostos os conceitos
mais modernos da teoria da inovacao e percebeu-se que o Bitcoin apresenta caracteristicas de
Inovacao Disruptiva (ID) de dois tipos: Low and (ID) e New Market (ID). Quanto aos
aspectos mercadologicos e estruturais foi investigada a existencia de semelhancas entre o
mercado de credito e debito do Bitcoin e a estrutura tradicional do mercado de cartoes
conhecida por Mercado de Dois Lados (M2L). Verificou-se a perfeita adequacao do Bitcoin a
estrutura M2L, mas apenas no mercado de cartoes de debito. O sistema de credito existente no
mercado do Bitcoin nao se conforma da maneira tradicional. Buscou-se tambem compreender
os determinantes da volatilidade dos precos do Bitcoin. Para atingir este objetivo foram
realizados dois tipos de analises: univariadas e multivariadas. Para estimar a volatilidade
univariada foram estimados os modelos ARCH, GARCH, EGARCH e TARCH cujos
resultados apontaram existencia de volatilidade persistente. Ja analise quantitativa
multivariada apresentou o objetivo de compreender a interacao das volatilidades entre o
Bitcoin e outras variaveis financeiras. Foi aplicada a metodologia DCC M-GARCH que
possibilita a obtencao dos parâmetros por meio das quasicorrelacoes da volatilidade. Os
resultados apontaram a existencia dos efeitos ARCH e GARCH em todos os casos. Embora as
variaveis explicativas nao apontem significância a analise multivariada da subamostra
aparentemente realiza movimento de convergencia. Em todos os casos foram considerados os
retornos das series. Todos os modelos foram estimados para a amostra considerando o periodo
de 13 de Setembro de 2011 e 23 de Junho de 2015 e para uma subamostra que abrange o
periodo a partir de 10 de Marco de 2013.
This study characterizes as an exploratory qualitative case study, with the aim of analyzing the foundations of federal and state funding in Primary Healthcare of the municipalities of the state of Bahia, bringing light upon current conflicts after the deployment of the Pact for Health as well as the uncertainties that surrounded its funding. Data were collected in two stages, the first semi-structured interviews were conducted with closed and open questions, applied to current managers of the State Council of Municipal Health Secretaries of the State of Bahia (BA-COSEMS/ Conselho Estadual dos Secretrios de Sade-BA), in the second stage, it was developed a document review, through reading and analysis of ordinances, resolutions, state and federal, as well as minutes of meetings of the Managers Bipartite Commission (Comisso Intergestores Bipartite-CIB), which dealt with the theme Politics and funding of primary healthcare. It was observed that the issues, in relation to health financing, particularly Primary Healthcare, persist even after the institution of the Pact for Health. Therefore, it was concluded that decentralization will succeed when the amount of financial resources needed to meet commitments assumed to serve the population is adequate, and also when there is regular funding, increased resources for health by the three spheres of government. It is estimated to be necessary to discuss the
I. M. A. Gomes, Íkaro Daniel de Carvalho Barreto, A. E. A. Paixão, S.L. RUSSO
As políticas de apoio ao empreendedorismo são fundamentais para a geração de novas empresas. No Brasil, capital semente, instalação de parques tecnológicos, programas de financiamento a juro zero e, subvenção econômica como o Programa Primeira Empresa Inovadora (PRIME) são exemplos de políticas de incentivo. Para execução do PRIME, em particular, a Agência Brasileira de Inovação (FINEP)descentralizou a operacionalização para que as incubadoras de empresas pudessem selecionar os projetos inovadores. Este artigo analisa o programa PRIME do Centro Incubador de Empresas do Estado de Sergipe (CISE), após o cálculo das médias e desvio-padrão das notas obtidas pelas empresas nos fatores de inovação, potencial de mercado, retorno econômico financeiro, estratégia de mercado e equipe e aplicação do teste Mann-Whintey. _________________________________________________________________________________________ ABSTRACT: Policies that support entrepreneurship are key to the generation of new business. In Brazil, seed \ncapital, installation of technology parks, programs and zero interest financing, economic subsidy as Program First Innovative Company(PRIME) are examples of incentive policies. For the implementation of PRIME, in particular the Brazilian Innovation Agency(FINEP) decentralized operationalization so that business incubator scould select the innovative projects. This paper analyzes the program PRIME Business Incubator Center of the State of Sergipe (CISE) after calculating theme an and standard deviation of the grades obtained by companies in the factors of \ninnovation, market potential, financial return economic, market strategy and staff and application of the Mann-Whintey, given by the Evaluation Committee. And we used the Mann-Whintey to understand the significant differences between the approved and disapproved. The results show the companies of the Information Technology (IT) capital had more success.
The article aimed to analyze the impacts of earmarking revenues and conditional transfers on the supply of health financing in Brazil. After analyzing the role of these Federal regulation mechanisms on decentralized healthcare administration, the article verified the effects on total expenditure in health and disaggregated by level of government, evaluated whether transfers by the Unified National Health System (SUS) were consistent with the evolution in the decentralized supply, and measured the inequalities in per capital health spending by municipalities. The conclusions showed the complementary relationship between earmarking revenues and conditional transfers according to supply, which: (1) increased the share of State and Municipal governments in health financing; (2) provided incentives for the decentralization of primary care according to Federal guidelines; and (3) reduced the inequalities between municipalities in per capita health expenditures.
This paper addresses the decentralization of health services financed by the Unified Health System (SUS) in the city of Natal initiated in the mid 90s. This decentralization primarily involved the transference of health services financed by SUS, which had previously been developed by the state of Rio Grande do Norte, to the city government of Natal. Based on the data gathered mainly from SUS¿ Ambulatory Information System (SIS/SUS), the authors attempted to verify to what extent this decentralization of health services provided by SUS in the city of Natal had improved public access to health services or, on the contrary, had resulted in a privatization process, implying more difficult access to those services.
Ana Luiza d’Ávila Viana, Luiza Sterman Heimann, Luciana Dias de Lima, Roberta Gondim de Oliveira · 5 authors
This article discusses the trends and limits of the Brazilian health system decentralization process, identifying the three elements that constitute the strategic induction performed by the national system administrator in accordance with the guidelines contained in the Operational Norms of the Unified National Health System: systemic rationality, intergovernmental and service provider financing, and health care model. The effects of the Federal regulations are analyzed based on the results of the evaluation study focused on the implementation of the full management scheme at the Municipal level. The decentralization strategy induced by Basic Operational Norm 96 has succeeded in improving institutional conditions, management autonomy, and supply, as measured by the Federal resources transferred, installed capacity, production, and coverage of outpatient and hospital services, with the Municipalities authorized to conduct fully autonomous management, without altering the existing patterns of inequity in the distribution of funds to poorer Municipalities.