NÂş 02 OCTOBER 2016
The port sector towards a smart future
Virtual reality A revolution going on
Nivi Credit’s Standard Debt Collection Department
Nยบ 02 OCTOBER 2016
Mirabilis 2016 October_ 2
Giulio Marsili General Manager of Nivi Group Mirabilis is a new opportunity for our employees and clients interested in participating in the life of our company. Indeed, products, services and events often tend to remain exclusive preserve of the interested parties. In these last years, our group has considerably increased its areas of activity which now includes, in addition to the traditional debt collection sector, the new technologies with a particular focus on smart City’s products and services. Nivi strongly wants to avoid the risk of compartmentalization of its activities. This will be possible through the use of any available communication tool including the new media platforms, from the company’s website to the social networks. Mirabilis, our telematics newspaper eagerly desired by Luigi Nicosia, was created to publicize our various and different activities. It is also some kind of a business card offered to anyone who comes in contact with our Group, in Italy or abroad, thanks to its English version. As time goes by, the topics covered by the periodical will increase, as we wish it would also deal with items of general interest. In this issue, a column is dedicated to literature, and I’d like - a message to the editor - to develop sections dedicated to free time, cooking, and - why not?- sports practiced by our employees, maybe starting from marathon… In order Mirabilis to become a shared periodical that looks beyond the usual company’s horizons, we need the help of all of our employees, the contribution of your ideas and written words.
Mirabilis 2016 October_ 3
Index Nivi News Nivi Credit’s Standard Debt Collection Department (SDC) Nivi Credit’s management of micro-credit to protect the client and the debtor
6-7
Virtual reality. A revolution going on
8 - 10
Quantic Research in Palazzo Colonna
11
The Teseo Project New Smart Technologies for parking
12 - 13
N - Plate The smart product for the supervision and reading of the plate registration numbers
14
Virtual Iban Code A new bank service for companies
15
Events
16 - 17
World News Internet of Things In 2020 more than 30 billion of items connected to the network
19
Thanks to IoT, logistics leaves the storage
20 - 21
The Port sector towards a smart future
22 - 23
Ethics and Economics The Social role of credit recovery, 6th annual UNIREC report
24 - 25
Mirabilis 2016 October_ 4
Nivi News Mirabilis 2016 October_ 5
Nivi Credit’s Standard Debt Collection Department (SDC) Nivi Credit’s management of micro-credit to protect the client and the debtor Companies are the result of many elements held together by organization. Ok, we are talking about ideas and business willingness, profit, projects, work, investments but these elements do not happen by themselves. They are designed and realized by people, by men and women. Anna Tino works at Nivi Credit since September 19th 1994. She has just celebrated her 22nd anniversary in the company. 22 years of contributing to achieve Nivi’s goals, with intelligence, dedication (and cheerfulness).
She is responsible of a key sector of the debt collection area, the so-called “massive” one, made of huge numbers of microcredits (small amounts). Until the beginning of the 80’s, no company in Italy had thought to carry out this activity. Instead of dealing only with huge amounts, the idea was to handle the myriad of credits owed by private individuals to companies or public administration. Motorway tolls, invalid travel documents, unpaid healthcare charges, unpaid taxes and more. It has been done. Today, the clients of the massive debt collection department are big names such as Autostrade per l’Italia, the Milano Serravalle company, the Pedemontana, Ligure-Toscana and Torino-Savona motorways, health authorities of Siena, Udine and other Italian municipalities. The claims are handled accurately, step by step. We are not talking about hundreds or thousands of euros, actually the debts are often quite small, a few tens of euro. The debtor has to be identified, the address of residence must be checked. Then requests of payment will be sent, along with payment deadline reminders and orders of payment. Consequently, replies must be given to e-mails, phone calls or faxes from the debtors in order to give them a clear explanation of the case, with anything but kindness and willingness. One might say that each penny is well earned! Generally, Italian claims are initiated once the client company has launched the procedure. Regarding foreign claims, the collection procedure is complete. Mirabilis 2016 October_ 6
Carrying out massive collection activities is a prerogative of Nivi Credit also towards foreign users thanks to the collaboration of partner companies (members of TCM-Group Global Debt Collection and FENCA-Federation of European National Collection Associations) operating in more than a hundred countries. Nivi’s quality and strength lie in the attention given to the user. The quality of this relationship is fundamental for the positive outcome of the collection procedure. For more than ten years, Nivi has been providing foreign citizens with a contactcenter service composed of mother-tongue operators, from French to Russian and from Moldovan to Albanian. Nivi is also conscious that the success of its activities depends on the competence of its employees. Training and refreshers are key words of the company’s policy in the fields of legislation, good practice and clients’ operating procedures. And it’s a full success. Each year, the company handles hundreds of thousands of claims. Since 2013, Nivi also manages the collection of unpaid healthcare charges, the so-called “malum” for those who fail to show up at booked medical appointments. In only one year, more than 2 million euros were collected in favor of Healthcare Authorities of Treviso, Udine, Florence, Siena. It’s a lot of work, the activities carried out by the medical authorities have to be checked step by step because the Standard Debt Collection department also handles 3-4 year old claims. Furthermore, this kind of data is quite delicate, that is why it is so important to meet the overall requirements, from the expectations of the client to the code of ethics towards the debtor. The balance sheet of these last years is truly positive. Looking to the future, we can state that Nivi’s micro credits collection activities are very solid, accomplished (also abroad) and ready to accept new challenges at an international level. To learn more: mirabilis@nivi.it
photo. Giulia Pianigiani
Mirabilis 2016 October_ 7
“We are faced with a Tsunami”, here is the fourth wave of a true IT revolution. To describe the impact that virtual reality will have on our daily life, Candido Moschettoni (department chief of Research and Development sector of Quantic Research, a Nivi’s company specialized in New Technologies), does not mince his words. Following the explosion of the Personal Computer - Commodore’s Vic 20 at the beginning of the 80’s -, of the Internet, of Smartphones, we are now facing something destined to change the horizon of our perceptions.
Virtual reality A revolution going on On August 5th, in front of an internal audience, Candido explained and showed a live demonstration of the reality we are facing.
In complete harmony with Candido’s words, Mark Zuckerberg, the world-famous Facebook CEO, who stated during his trip in Italy in last August: “augmented and virtual realities will be fundamental platforms in our life. The Virtual reality provides unique sensations: if you look at a picture or if you watch a video, you may enter the context, by imagining the perceptions of the person who takes the picture or records a video clip. Regarding the augmented reality, there are less sensations and new elements are added to real situations”. Beyond virtual and augmented realities, Candido Moschettoni has introduced a third concept, the “mixed reality” , the evolution of the augmented reality. Starting from augmented reality (AR), this technology is generally associated to mobile applications, smartphones, tablets or glasses. We tend to think that this is a recent invention. However, this term was coined in 1990 by Tom Caudell, a researcher at Boeing aeronautical industries. It was to describe the invention of a digital display for the electricians in charge of maintenance of the airplanes. That tool mixed virtual graphics with physical reality and was meant to replace the extremely expensive plywood airplanes. It is interesting to note the AR was actually invented during World War II, still in the aeronautical field, at the initiative of the Royal Air Force, which managed to reproduce a virtual horizon on the airplane’s dashboard in order to reduce the pilot’s reaction time following the indications coming from the ground. After that, came the Head-up display (HUD), installed on fighter aircrafts, which provided the pilot with data such as the distance from the target or the declivity of the plane. This allowed the pilot to remain focused on the target. The HUD appeared also in the automobile world, in 1988, on the Oldsmobile Cutclass Supreme. Mirabilis 2016 October_ 8
The first AR added and made visible data that our senses could not perceive. It also provided more information about the real world compared to the one we usually had. The state-of-art Mixed Reality is however the result of the overlapping of sensory and virtual data, generated by a computer that integrates in real time with the environment, thereby enabling to display things in a different way. In addition to the natural use in the military area, there are several examples of use of the MR, from the playful one, such as the case of Pokemon, to the professional use. The exporting of the smart dashboard into the car world has been the first achievement . Within the industrial maintenance area, the MR let the user understand the situation, get a complete map of the broken part and be guided in the repairing step by step. Within the security area, the MR is used, for example, by the Fire Department, that through the glasses can see the layout of the buildings, the location of the water cannons, the critical points of the building, the utilities network. Within the hospital area, the doctors can visualize the patient file while operating. Within the commercial, marketing and communication area, where the imagination is very present, the use of AR for the products promotion is taking hold.
Mirabilis 2016 October_ 9
The virtual reality (VR) allows the immersion into a new world, created ad hoc by the computer: fictitious environment which replaces the reality. In the mixed reality particular devices - glasses, helmets, viewers - combine with mobile devices just in certain cases and just to enable the overlapping between data and reality. In the case of the VR it is always necessary the use of benefits. Viewers, earphones, helmets, gloves, suits are the heart of the VR, because they let the users surf a real cyberspace , reproducing fantastic worlds at disposal of the desires, in a strong alienation mode. In this case the normal perception of reality fails
photo: Betto Rodrigues / Shutterstock.com
Mirabilis 2016 October_ 10
because of the distortion of objects behavior, which are placed in a context of unreal experience. Meanwhile it simulates real space and time and this leads to provide a feeling of immersion in a bubble , where the objects are perceived in a totally “new” way, because the mode of building our relationship with the reality is different. Nowadays the applications and devices are using good, but not perfect software. Despite this, the development of contents is disruptive. The case of Pokemon-go shows the speed with which winning ideas spread, by using GPS, smartphone and famous little virtual animals to be found. On July 6th this year the “little pocket monsters” were launched in the USA and Australia (on July 15th in Italy). After few days 65 million of people all over the world downloaded the app and at the beginning of August they became 100 million! This way Nintendo has doubled its stock price in little more than one week. But it’s not all a bed of roses. The human foolishness too has increased, as in the case of a player who called the police to report the theft of a virtual Pokemon or the case of another player hit by a car, while looking for the little monster.
The headquarter of Quantic is in one of the most ancestral and beautiful roman homes: Palazzo Colonna, in the historic center, very close to Piazza Venezia and to Quirinale. Its construction was requested in the 14th century by the noble family, named for the namesake village of Colonna, nearby the capital. The building work lasted for 5 centuries and the result is an eclectic but harmonious mix of architectonical styles. During the first 2 hundred years the palace was an actual fortress; on November 11th 1417 Oddone Colonna was elected Pope with the name of Martino V during the Council of Costanza and the building, rose to the role of Pontifical residence, underwent strong transformations. First roman Pope after a hundred thirty five years, Martino devoted himself to the Church and city reconstruction, after 30 years of schism. Rome became an urban and artistic construction site, where Masaccio, Donatello, Masolino and Brunelleschi operated. The building reached the aesthetic achievement during the baroque period in 1600, thanks to the work of artists such as Gian Lorenzo Bernini, Antonio del Grande, Carlo Fontana, Paolo Schor and many others. Thanks to Girolamo Colonna the construction of the famous Gallery was carried out. It began in 1654 by Antonio Del Grande and opened in 1703, hosting the rich family paintings, which unfortunately has been tampered with during the centuries, even if there are still works of artists such as Bronzino, Crivelli, Caracci, Pisanello, Guercino, Tintoretto, Veronese.
Palazzo Colonna - Sala della Fontana
Quantic Research in Palazzo Colonna
Palazzo Colonna - Cortile di Ingresso
Palazzo Colonna - Sala Grande
Informazioni Private visits available with advance reservation 7 days a week excluding Saturdays. Public opening on Saturday from 9 to 13:30. Phone 06 6784350 info@galleriacolonna.it Galleria Colonna srl, Piazza SS. Apostoli, 66 Roma http://www.galleriacolonna.it/ Mirabilis 2016 October_ 11
In the traffic jam, during a rainy day and at peak times, while long looking for a parking space, it is a common wish to know with advance where to find a parking place without trouble and saving time.
Nivi Group with Teseo Project is moving toward a solution that avoids this daily waste of personal time which also includes high social costs. Tuscany Region decided to fund, within the area of Research and Development Projects (PORFESR 2014 – 2020), an experimentation designed by a group of companies and by the Engineering Department of the Florence University, grouping of which Nivi is leader.
Teseo Project New smart Technologies for parking The very title gives an idea of the complexity. “Research, development and experimentation of the prototype of an integrated, multi-sensors and highly automatized system for the traffic and parking management and for the vehicle surveillance in large parking areas, by using technologies of sensors and innovative data processing”. Basically, the pool has to design and experience the whole system, which includes an infrastructural complex, but affordable, network for the parking control, in a parking area selected with Florence administration. As a result, every driver will be able to see where the parking place is, how to reach it and finally pay it using an app on his/her smartphone. The manager side too will be easier: the employees will be able to know in real time just using the PDA how many spaces are free, occupied and what vehicles are parked without the payment due. Thanks to the computerization of the system, the central control station will be able to fully monitor the parking situation, detect data and compile statistics. Until now the technology used to indicate the status of a parking space (free/ occupied) was based on sensors to be incorporated into the road surface; this invasive modality causes several problems: just think of a stone-paved road and protected by the Superintendence. The solution proposed here overcomes the problem by using optical detectors, made by Clevercity, which is a cutting-edge German company. These optical detectors are installed on the light poles and integrated with smart cameras, able to recognize the images. In the case of the parking sensors on the ground, made by Idinova, as many elements as parking spaces are needed. Differently the detectors from above allow the control of dozens of spaces, so taking away much of the work and saving money for the costs of installation and maintenance. Each sensor in turn communicates with radio RFID1 repeaters, that send the signal back to the new-generation parking-meter and to the central control station; it’s important to understand that the sensors are able to indicate if the fee has or not been paid. The IT Engineering Department of the Florence University, headed by Prof. Del Bimbo, developed an ad hoc software for the new generation cameras, produced by Vigilate. The software is designed for the identification of images, so making the detection more accurate. Parking-meters made by Parkeon, leader company in this area, will also be used in the project. Finally Teseo foresees the use of T&C Solution in the central control station. The device is equipped with an easy and intuitive interface with graphic representation of data in 2D and 3D, which allows the users to manage in real time the situation of a single parking space or all of them. Maybe it’s a little early to cry victory in the battle against traffic jam, but there is no doubt that a smartly organized parking Mirabilis 2016 October_ 12
N-System - T&C Soluti
system moves toward a sustainable mobility, avoiding the traffic collapse. In Italy there are about 60 cars in 100 residents, more than 5% over the European data. 1
From English Radio-Frequency Identification: technology for the identification and /or automatic storage of information; source: Wikipedia https://it.wikipedia.org/wiki/ Radio-frequency_identification
ion [RFID + CAMERAS + OPTICAL SENSOR]
To learn more: mirabilis@nivi.it Mirabilis 2016 October_ 13
N - Plate The smart product for the supervision and reading of the plate registration numbers Territory monitoring is more and more an urgent topic. The news report every day about dangerous situations and the local administration, supported by the competent authorities, need organization to guarantee an efficient security standard to the citizens. A big help in this situation arrives from a technology, able to provide more and more advanced tools for the territory management.
Nivi Green chose to equip itself with the new product “N-PLATE� for the monitoring, protection and control of traffic. The new solution is provided turnkey and it is compatible with the other products for the Smart City, such as the smart parking. The system shall consist of cameras equipped with on-board software for the plate numbers reading. It allows the user to have a full and ongoing picture of the circulating vehicles within a specified area. The software analyzes in real-time plates from all over Europe and beyond, including: Persian Gulf (GCC), United Arab Emirates (UAE), Australia, Canada, China and many States in Africa and Latin America. The remote management allows the employee to analyze traffic flux, speed, passing times, dangerous goods, type and age of the vehicle fleet. The system also stores OCR (Optical Characters Recognition) and contextual pictures for the visual research of vehicles. Furthermore it carries out researches profiling by color and category (motorcycles, cars, vans, lorries). Thanks to the interaction between the competent authorities, N-PLATE is able to provide data in real time, about vehicle inspection, insurance cover and owning status, thus providing the bodies responsible with an online Check & Stop service. The N-Plate system is supplied ready to use, from the installation to the test, including a training course for the operators. Roberto Tummolo
Mirabilis 2016 October_ 14
Nivi bought about 2 million virtual IBAN codes from Unicredit, mostly to be used in the recovery of sanctions abroad; in so doing Nivi assures a time and errors saving and has improved the quality of the service provided to its clients, because it’s guaranteed a precise feedback for each position, thanks to the fully traceability of the operation. This success is due to the empowerment of the process of the cashing reconciliation.
Virtual Iban Code A new bank service for companies It can happen to wrongly fill data of a bank transfer, to wire on behalf of someone else – such as on behalf of the spouse –, to forget about filling the reason of it, or to wire wrong amounts, thus causing difficulties for the beneficiary to link amount, real sender and reason of the bank transfer. In this cases, the administration work gets long, hard, sometimes without result and it becomes a Sisyphus task. Nivi Credit too has frequently faced several puzzle cases, within the debt collection activity towards hundreds of thousands of private debtors, e.g. in the area of the notification of sanctions for infractions of the Traffic Code. In fact the 50% of the payment is made online. In order to solve this particular need, Nivi turned to the bank world and Unicredit responded positively by demonstrating that the supply of bank services can meet with the particular needs of a company. Hence the idea of the virtual IBAN code. Like every smart idea, the functioning is simple, confirming the story of the egg of Columbus.
Nivi Credit, in accordance with Unicredit, has also developed a solution, designed for companies and institutions, that are not Unicredit’s clients, without the necessity to open a new account. Nivi collects the debts using a virtual IBAN code registered to itself, but the transfer is just temporary because the amounts wait in this account just a few hours. At the end of the day they will be automatically transferred on the usual bank account of the institutions or companies for which Nivi carries out the recovery proceedings. Since Nivi began using the virtual IBAN code, in mid-August, the positive feedbacks were immediate: in just 10 days, 1000 bank transfers arrived without errors.
The bank provides its client with a number of virtual IBAN codes (“Virtual Accounts”); the client in turn combines a virtual account with a single bank transaction, thus each unique IBAN code is linked to a single dossier and client. Once the transaction is finally completed with the settlement of the debit position, the same IBAN code can be reused and reassigned to another dossier. Mirabilis 2016 October_ 15
Nivi, a more secure and reliable company with the new ISO certifications In early July, Nivi Group and Nivi Credit renewed the ISO 9001: 2008 certification and obtained for the first time the ISO IEC 27001: 2013. The purpose of the ISO 9001: 2008 certification is to ensure that the system of management of an organization always provides products with the same standards in order to improve trust between business partners, suppliers and customers. The ISO IEC 27001: 2013 is applied to ensure the information managing systems from the technological, physical and organizational point of view. Integrity, confidentiality and availability of information, written on paper or in electronic format, are the guidelines behind the protection and data management norm.
Events Nivi Group was present at "The Days of Local Police 2016" From 15th to 17th September in Riccione the National Conference for technologies and products for the local police was held where Nivi Group was present with a double commitment: the promotion of EMO services of Nivi Credit and the new technologies provided by Nivi Green. Nivi Credit, with EMO - European Municipality Outsourcing, is leader in the notification, collection and recovery of fines for violations of the Italian Traffic Code issued to foreign citizens by the Municipal Police. The service is innovative and personalized and allows the management of notifications of fines abroad and ensures extra-judicial, judicial and unpaid tax debts management. Directed to Public Administration, EMO is the international notification leader in Europe, used by more than 650 municipalities and municipal police commands. With EMO, Public Administrations reduce the collection times, improve their cash flow, optimizes the management of internal resources by ensuring very high profile legal and tax aid and cut costs for credit recovery. Nivi Green, the Groups company that deals in services and technology products in context of Smart City’s, presented in its new stand, the latest news such as the brand new license plate reader products to record city accesses (N-Plate, story on page 14), the systems for the realization of intelligent parking, the modern charging stations for electric cars and the Teseo project for intelligent parking (story on page 12-13).
Mirabilis 2016 October_ 16
In the box, the photo of the team performing remote control or remote monitoring of data sent from T-shirts (produced by Xeos) through T&C Solution technology created by Nivi Group.
Giornale di Brescia, 11.09.2016
Nivi Group Selects Infracom It Spa as a technological partner for fiber connectivity and the Cloud hosting. The Cloud is the technology that allows you to manage applications, documents and activities not on the local computer, but on remote servers, available on Internet. Infracom Italia is a company operating since 1999 on the National market of ICT - Information and Communication Technology. They offer network services and convergent telecommunication solutions, security management solutions, owners applications, disaster recovery services and business continuity, and management platforms to companies.
Nivi Credit at International Congress FENCA 2016 in Berlin Also this year Nivi Credit has participated at the conference organized by FENCA (Associated Federation of European Credit Recovery Companies) that for this edition was in Berlin from 21st to 24th September. The FENCA World Congress is an opportunity to confront with more than 250 International professionals, discussing among many experts in the field about the new trends and developments. During the conference, a lot of important issues were faced regarding the debt collection area, among which the single digital market, the European Code, the overindebtedness, and the future of the recovery from the point of view of the consumer.
Mirabilis 2016 October_ 17
World News
Mirabilis 2016 October_ 18
Internet of Things In 2020 over 30 billion items connected to the network The Internet of Things (IoT), the network that connects items, together to artificial intelligence, to the Big Data, to the use of internet as economic infrastructure - in 2015, in Italy’s e-commerce has reached the figure of 24.2 billion euro and, worldwide 1,671 billion of dollars - it is one of the main elements of the fourth industrial revolution we are going through and distorting the way we produce and the normal daily life.
The IoT is a "natural" expansion of the network related tools; until a few years ago, the internet was synonymous of personal computer, but in 2020 it’s expected that about the 50 billion devices connected to the Internet, only 17 percent will be represented by PC’s, tablets, smartphones, while the remaining 83 percent will consist of traditional "items", that to date neither send nor receive, nor process, or store data. A double-edged sword, one positive for security developments and for logistics and a negative one because source of citizens privacy threat. The most interesting fact is represented by the mix of technologies to detect, transmit, analyze information and check the status of a system from the PC, in other words the union between Information Technology and Operational Technology.
The IoT is emerging as a set consisting of " a network of physical items, systems, platforms and applications incorporating technologies, able to communicate and share intelligence between themselves, with the external environment and with people". An artificial neural network, modeled on the human brain functions, “able to grow, upgrade and learn - through his own ability to collect, process and redistribute information - to provide solutions and new service capabilities”2. The Internet of Things puts in relation different entities with each other and it may concern person-to-person (P2P) connections, machine-machine (M2M), or machineperson (M2P) and for this reason, some observers are using the most extensive expression of Internet of Everything (IoE), combination which includes IoT, the cloud, Big Data, cyber security, social networks and so on. The numerical result of this revolution, as said at the beginning, is scary; it is estimated that in 2020 connected objects will reach the figure of 50 billion, it is now estimated around 15, a huge figure but that represents only a small part, 3%, of all the connectable things. According to Cisco research, the estimated value for IoE will amount to the end of the decade to 19 trillion dollars of which approximately 1.9 products from the transport and logistics sector. http://www.ecommerceguru.it/trend-di-mercato/lo-delle-commerce-2016/ Accenture, Harvard Business Review n.4 2016
1 2
Mirabilis 2016 October_ 19
With the IoT, logistics leaves the storage If it is true that the logistics in antiquity was the branch of arithmetic practice that dealt transactions with large and simple quantity, it is natural that this art became the perfect field to accommodate the IoT - Internet of Things, playing the same role as guide in military industry for aircraft, and Formula One for the automotive world. The logistics have to deal immediately with the transport, with handling an item from one place to another; in practice, the logistics refers to an activity that can be divided into "things that need to be moved" and "things that move," customers who ask and businesses operating. The distribution chain, "supply chain" in modern diction, has to integrate the various stages of the management of goods, providing a continuous flow without interruptions, delays or bottlenecks; to achieve this result, each procedure must be completely computerized, from customer order, to supply, to production, to the storage management and finally to the delivery of goods through the transport - on road, rail, air or water. And on this chain the IoT impacts and measures, improving all the stages, improving efficiency, reliability, safety, and reducing costs, in short improving all the key factors that create value. A bit of history. One of the focal points of the shipments and warehouses was always represented by the management entrusted exclusively to humans.
In 1974 a supermarket in Troy, an unknown Ohio town, selling the first product marked with a bar code applied to one of Americas symbols, chewing gum. The laser technology and the development of integrated circuits available at low cost made a system possible, invented in 1948, that revolutionizes warehouse management and transportation of goods. From then on, every customer and shipper could know precisely where in the world his goods were. Without this innovation e-commerce would not exist; with time, however, what used to be an added value, transformed into an obligation, an "order qualifier", a necessity without which customer confidence will miss. From the bar code placed on the gum packs, the application of the IoT to the logistics did not stop; the dizzying development of connected devices, installed sensors, and analysis technologies, get to it in the various stages of the cycle of the value production.
Mirabilis 2016 October_ 20
In case of a warehouse, the Data communication takes place between machines managed by a single operator and for this reason through "Languages" or known formats. Instead, in case of a port situation were many operators act, each operator has its own computer system of logistics and transport management, including their own devices and the broadcast languages which are also multiple. In this case, to integrate the data from these different realities is a real problem, the Bottle neck that can block the entire computerization cycle of logistics procedures. Now a central priority for the port authorities is to adopt a single data system capable to aggregate information by different formats.
The IoT allows monitoring and control, the measurement of performance, and their improvement through selflearning. Basically, the IoT is the set of technologies that detect data through different devices and media with the result of providing information to find new solutions. Some examples.
Through the insertion of a "transponder", transceiver that sends a radio signal in response to a command received from a remote station, the humble pallet is transformed into an item capable to report its position through geolocalization and provides information on the goods contained, the type, the quantity, the temperature. And the same goes for the forklift that can communicate what it carries, how much it weights, the conditions of the goods, if it is overloaded or half-empty, if its driver is authorized to do so. The data can also be processed to give information - speed, time, transported quantities - regarding the use made of it in order to increase the productivity that can be improved, according to estimates, even by 30 percent. The tags of the goods, once on the shelves, transmit on the operator’s smartphone or to the remote control unit, every type of information that allows it to be always updated. The boost to innovation is continuous and comes from the spread of Internet & Ecommerce. In the peaks of excellence (according to DHL data, 5% of the retail stores) are robots already in function for loading and unloading goods, the
robots pick up individual items even small as DVDs and robots for home delivery. For two years Amazon, for example, has been using 15,000 robots for handling of goods (Reuters December 1, 2014). Now we can say that the prediction of Kevin Ashton, the manager who in 1999 had first guessed the advent of IoT through the integration of internet and sensors, was fulfilled.
Now the machines are able to "Observe, identify, and understand the world without human interaction in order to produce and provide data ". With a clear metaphor, Internet of Things introduces intelligence in the heart of items1.
1
Accenture, Harvard Business Review n.4 2016 Mirabilis 2016 October_ 21
Handling and ensuring the security of its citizens has always been one of the nations’ main tasks. In a modern country threats are often coming from outside and it is therefore of crucial importance to control the access points from where foreign guests enter.
Moreover Italy doesn’t have easy borders to supervise.The country's coastline is 7.500 km with 24 significant ports (worldwide there are about 4576 ports spread around 196 countries), each year 41 million passengers, 10 million containers and more than 65 million tons of transported goods are moving throughout the country. Furthermore in 2015 more than 157 million passengers and nearly 100 million tons of goods travelled through airports. Impressive figures, but just a small part of what happens worldwide in almost 4576 ports and with 93 million airliners flying the skies each day3. All figures referring to people, goods and means of transportation, have to be managed and integrated in the general system of air transport and land transport, both road and rail. To complicate the picture, one has to add the multitude of institutions with the most different skills in charge to control borders. Let us take for example the world of ports where we can find Port Authorities, Harbour masters, Customs, Financial Police, Marine Police, Firemen, Local health units. Besides the institutional actors, there is a large number of companies involved in the port activities : the 60.000 companies including shipping agents, freight forwarders, operators of port terminals and warehouses, hauliers, shippers, receivers, which employ more than a million of workers. If this huge amount of things and people in motion must be protected and controlled, it can at the same time represent a source of threats. Still given the exemplary case of the port,
Mirabilis 2016 October_ 22
The port sector towards a smart future security has to function in a complicated and complex, sometimes chaotic environment, which must take into account the ground and sea access, the safety of the passengers, the inspection of the goods, the means of transportation and the drivers, the storage warehouses and so on. The protection of persons, of tangible and intangible assets and buildings must therefore be integrated, efficient and discreet, because it should not slow down the normal activities of commercial and passenger handling.
* The challenge for IT comes from one of the characteristics of the Big Data which represents a difficult problem for each system. In order to have manageable information, it is necessary to integrate and to connect coherently those data which are often not homogeneous and in different formats coming from various detectors in a data fusion . Data fusion means both the process of synthesis of multiple raw data from objects in the real world, as their graphic representation on the dashboard that needs to be consistent, accurate and useful. The purpose of a data fusion is to combine and merge relevant information, transmitted from two or more sources of data, in a single one offering at the same time a greater number of information.
The concept of security has to be seen, conceived and managed as a whole and no longer sector by sector, authorities by authorities, and neither an integrated management only limited to the single point of transit is enough . Ports, airports and stations are unified into a single system allowing the traceability of each movement and enabling the real-time detection of each unexpected change. Globalization together with the risks and threats involve also the information revolution; the Information Technology provides new tools and solutions that ensure operational ease, absolute reliability in emergency situations, security of information flow and ease of maintenance of the entire system. In this game for safety and against the unexpected threat, the lion’s share is performed by the "central management hall of command, control and communications ", also known as "3C", which itself is connected with the peripheral facilities of the different institutional devices, where all the information will flow into a data fusion*, subsequently represented in a graphical format on the dashboard**.
* * The dashboard is a user interface similar to a dashboard of a car that organizes and presents the information in a unified display. A multimedia and interactive dashboard like T & C Solution (developed by Quantic Research, a member of the Nivi Group) has the function of representing information through an intuitive graphic interface allowing the operator to constantly keep under control the situation and react quickly to any crisis.
Also in this case, the internet of Things is king. A multitude of devices flows from the horn of plenty of IoT. Closed-circuit television, radio systems, thermo-rooms, baggage screening systems, metal detectors, explosive and drug detectors, GPS are some among many of the danger detection instruments, but nothing can be achieved of course, without an adequate staff training and a control room that knows how to connect and manage the flow of data. In a world where globalization is synonymous with an uninterrupted stream of goods and persons, security is no longer an added value, but a duty that every institution is obliged to ensure.
1
The National Strategic Plan Of Harbours and Logistics adopted in implementation of Article 29, paragraph 1, of the decree-law n. 133 of 2014 (Cd. "Unlock Italy"), with amendments, by Law no. 164 of 2014. The link leads to both the introductory paper as well as the entire plan. http://www.mit.gov.it/comunicazione/news/riforma2
Data and the Civil Aviation Authority and Istat https://www.enac.gov.it/la_regolazione_economica/statistiche/index.html; Istat http://www.istat.it/it/archivio/aeroporti. 3
“L43 Come fare�, 28 giugno 2015 http://www.lettera43.it/comefare/turismo/quanti-voli-aerei-ci-sono-al-giorno-nelmondo 11740.htm 4
See note no.1 Mirabilis 2016 October_ 23
Ethics and economics The social role of credit recovery VI annual UNIREC report On May 12, 2016, in front of an audience of over 500 qualified attendees, the prestigious setting of the Auditorium Antonianio in Rome hosted the annual report on the corporate sector for the protection of credit organized by UNIREC (the National Organization of Companies for the protection of Credit), now in its sixth edition with the title "Ethics and Economics - From the default of the debtor to the social value of credit recovery" which Nivi Credit attended. The various topics discussed have shown the development which describes the cycle of credit protection, by analysing the sector through the variables that make up its economic and social function.
In 2015, the total amount of credits entrusted to Associated Enterprises UNIREC was indeed EUR 58,9 billion (2,7 billion more than in 2014, a percentage of + 4.9%). According to the report the operated positions were 38,1 million (2,5 million less than 2014, equal to -6%), while the employees went up to 20.400 units, an increase of 7%. Marco Pasini, President of UNIREC, has emphasized the progress of a sensitive area that plays an invaluable social function, a thesis highlighted by the studies edited by Professor Stefano Gatti and Professor Manuela Geranio from the Bocconi University. Thanks to credit protection, in fact, "about 150.000 jobs were maintained, preventing that the loss of revenue is passed on to consumers with an increase in the cost of money, tariffs and services ".
The solutions for the debtors were 15,6 million for 9,42 billion of recovered euro, a fact that also quantifies 150.000 dossiers entrusted to UNIREC companies per working day, equal to an assigned value of 236 million euro. “The picture presented today by the VI UNIREC Report - has declared the President - informs us about an area which, despite the crisis, restrictions and criticism, still manages to maintain a growing trend, which sees the number of his employees go up by 7%, a sector that invests in technology, in people and in their training�. Mirabilis 2016 October_ 24
In this respect he recalled the work done every day in support of an effective branch reform capable of meeting a modern service market, despite the legal regulation although updated by a series of circular letters, even from 1931! Among other things Pasini called for an intervention on the credit management of the Public Administration on account of the legislators to question their poor collection capacity. The relationship between the resources that make up the theme of the protection of credit is fully drawn and enhanced by the title of the VI report, which underlines the close relationship between the importance of the work conducted by the Antitrust Authority with regard to the supervision on the correct performance of the companies, and the greatest focus on the consumer. This virtuous relationship forms indeed the basis of the credit protection. Alessandro Michaelsson
Assigned and recovered files (n./000) n. Assigned files
n. Recovered files 40.603
38.923
31.429
34.738
32.828
16.752
17.109
2010
2011
38.130
15.336
2012
17.030
16.817
2013
2014
15.605
2015
Source: UNIREC Associated Enterprises UNIREC Data Processing Studies Center
Assigned and recovered debts - number of dossiers (n./000)
Assigned
Year
Recovered
n.
ďż˝ % su AP
n.
ďż˝ % su AP
2012
34.738
6%
15.336
- 10%
2013
38.923
12%
17.030
11%
2014
40.603
4%
16.817
- 1%
2015
38.130
- 6%
15.605
- 7%
Source: UNIREC Associated Enterprises UNIREC Data Processing Studies Center AP: variation on Previous Year Mirabilis 2016 October_ 25
Mirabilis by NiviGroup Three months periodical/year I/n°2/october 2016 Registration n. 6027 of the 22nd of June 2016 in the Court of Florence Managing Editor: Leonardo Tirabassi Drafting committee: Luigi Nicosia, Leonardo Tirabassi, Edoardo Tabasso Art Direction: Karolina Sadowska Collaborated: Theodora Kalaki, Mirko Mancini, Alessandro Michaelsson, Giulia Pianigiani, Roberto Tummolo
The Nivi brand has been present for over 56 years on the Italian and European market. Nivi Group S.p.A. is the holding company of the Nivi group. Nivi Credit Srl, the company founded in 1960, deals with international debt collection and public and private bank or financial micro debt collection. Nivi Green S.u.r.l. is the group company that deals with services and technological products in sustainable mobility and smart cities field. Quantic Research srl, based in Rome, is active in research and technological development for the management and representation of Big Data. Nivi Gestiones S.L. Espana, the leading company in Spain with headquarters in Madrid, manages the notification, collection and recovery of fines for violations of the Traffic. Also Nivi Usa based in Chicago, Nivi UK Management based in London and Nivi City based in Lugano are part of the Nivi Group.
Headquarters
Nivi Group S.p.a. Via O. da Pordenone, 20 50127 Firenze, Italia tel. 055344031 Fax 0553440494 www.nivigroup.com mirabilis@nivi.it
Nยบ 02 OCTOBER 2016
www.nivigroup.com mirabilis@nivi.it Mirabilis 2016 October_ 28