Articles

The Internet of Things (IoT) is a network of linked items that can gather, exchange, and act on data thanks to sensors, software, and communication technologies. Networking solutions for large-scale IoT deployments have become a cornerstone in advancing smart applications across industries, cities, and healthcare ecosystems. With billions of connected devices generating vast amounts of data, efficient networking infrastructures are required to ensure seamless communication, reliability, and scalability. IoT architectures, ranging from layered models to advanced cloud–edge integration, offer structured approaches for managing heterogeneous devices and diverse communication protocols. Recent innovations, such as 5G connectivity, Software-defined networking and network function virtualization provide flexibility and programmability, enabling dynamic adaptation to evolving requirements. Edge and fog computing further enhance responsiveness by processing data closer to devices, while AI-driven approaches contribute to intelligent routing, predictive analytics, and self-optimizing network management. Blockchain-based frameworks add transparency and trust, securing data exchange in decentralized environments perspective on how networking continues to transform the capabilities of IoT, setting the foundation for sustainable growth and future adoption across multiple domains.

The paper considers a specific type of such financial instrument as an option, namely an exotic barrier call option of the European type. Exotic options are gaining popularity among ordinary investors due to the development of information and telecommunication technologies, thanks to which such specific financial instruments as options have become readily available. We investigate the hedging problem for such options with some restrictions on the payment function and the availability of dividend payment on a risky asset in the classical Black-Scholes model. An analogue of the Black-Scholes formula for the mentioned variant of the exotic barrier is proved. In the future, it is planned to generalize the obtained results for put options and for more general payment functions.

This study determined the effect of the combination of conventional lecture and Facebook discussion on the Achievement Pre-service Integrated Science Teachers in an Organic Chemistry course in the College of Education. Two research questions were raised, and one hypothesis was tested. The study adopted a pretest-posttest quasi-experimental research design was adopted. A total of 135 Pre-Service Integrated Science Teachers (PSIST) selected using multistage sampling technique were the participants in the study. The main instrument for data collection is Carbon Chemistry Achievement Test, and three other instruments were stimulus instruments. The data collected were analysed using frequency counts, simple percentages, estimated marginal means and analysis of covariance. The result indicates that the PSIST exposed to conventional lecture and Facebook discussion performed better in Organic Chemistry with a significantly higher mean score than their counterparts exposed to traditional lecture alone. It was concluded that integrating Facebook, the leading Web 2.0 communication technologies with teacher education, will ensure better performance of teachers.

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.