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How to build a good credit score from scratch as a newcomer in Canada

Having a credit rating or a credit score is essential for life in Canada. A good credit score can ensure you qualify for better interest rates on mortgages and other loans down the line. To get started with building your credit history, having and using a credit card is essential. In this article, we will outline what a credit score is, share valuable tips to help you build a good credit history as a newcomer in Canada, and provide information on how to check your credit score and order a credit report. What is a credit score? When you borrow money from a bank (or lender), certain information is shared with a credit bureau. Over time, additional information, such as whether you’ve paid your bills on time, whether you’ve missed payments, and how much debt you have outstanding, will get shared with the credit bureau. These factors go into calculating your credit score – a three-digit number that indicates to lenders your capacity to repay a loan – as reported on your credit rating report. Credit scores range from – 300: The lowest score or the starting point; to 750: The magic middle number, which will likely qualify you for a standard loan; all the way up to 900: The highest score awarded for excellent credit history. The higher your score, the lower the risk is to the bank, and vice versa. A score under 750 will likely make it more difficult to acquire loans or credit cards – you may receive a lower credit limit and get charged higher interest rates. For newcomers to Canada, however, most banks offer a credit card when you open a newcomer account with them – this usually suffices to get you started on your journey of building a good credit history in Canada. Learn more about credit scores in Canada See Credit in Canada: What every newcomer needs to know for information on the different types of credit in Canada. Get insights on the factors that affect your credit score, understand why building a good credit history is important, and dive into how a credit score is calculated. Who can see and use your credit report? Credit bureaus follow rules that define who can see your credit report and how they can use it. Those allowed to see your credit report include: banks, credit unions and other financial institutions, credit card companies, car leasing companies, retailers, mobile phone companies, insurance companies, governments, employers, and landlords. These businesses or individuals use your credit report to help them inform lending decisions about you. Generally, you need to give permission or your consent, for a business or individual to access your credit report. In the provinces of Nova Scotia, Prince Edward Island and Saskatchewan, a business or an individual only needs to tell you (verbally) that they are checking your credit report. Other provinces require they obtain your written consent to check your credit report. Some provincial laws allow government representatives such as judges and the police to see parts of your credit report without your consent. 5 tips to build a good credit score 1. Make payments on time and pay off your balance in full each month When lenders review your credit report and request to see your credit score, they want to know how reliable you are with paying your bills – because usually, past payment performance is considered a good predictor of future performance. To build a good credit history, it’s important to make all your payments on time. While your credit card bill will always indicate the minimum amount owed, as someone just getting started with building credit in Canada, it’s best to pay off the balance in full each billing cycle. Paying the entire balance each month also helps you avoid racking up credit card debt. 2. Use credit wisely Always stay within your credit limit. If you have a credit card with a $2,000 CAD limit, try to not go over that limit. You should spend only what you can afford to pay back. Spending more than the authorized amount on a credit card can lower your credit score. As a rule of thumb, try to use less than 35 per cent of your total credit in each billing cycle. This includes all your credit products such as: line of credit, credit card from Canadian banks/lenders, loans, etc. For example, if you have a credit card with a $2,000 CAD limit and a $5,000 CAD line of credit from a bank, you should limit your total spending to approximately $2,450 CAD (35 per cent of 7,000) or less, while also maintaining the 35 per cent rule (in this case, $700 CAD) specifically for your credit card. Tip: Start small – use your credit card for groceries, monthly utility payments, phone bills, etc. Over time, this will help you build a strong credit history. If you max out your credit limit each month, lenders perceive you to be a greater risk. This holds true even if you pay your balance in full by the due date. 3. Limit your number of credit applications and/or credit checks As you settle in Canada, it is normal and expected that you’ll apply for credit from time to time. A lender or other organization offering credit-based products may ask to “check your credit” or “pull your report”. When they do so, they are asking to access your credit report at the credit bureau. This results in an inquiry in your credit report. Tip: To build a good credit history faster, it is recommended that newcomers to Canada start off with a single credit card (avoid holding multiple credit cards) and keep paying the balance in full. There are two types of credit checks: hard hits and soft hits. Hard hits: These are credit checks that will appear in your credit report and can impact your credit score. Anyone who views your credit report will see these inquiries. Examples include an application for a credit card or mortgage, some rental applications, and some employment applications. If there are too many (hard) credit checks in your credit report, lenders may think that you’re urgently seeking credit and/or trying to live beyond your means. Soft hits: These are credit checks that appear in your credit report but only you can see them. These checks do not affect your credit score in any way. Examples include requesting your own credit report or businesses asking for your credit score to update their records about an existing account you have with them. To control the number of credit checks in your report: Limit the number of times you apply for credit; When shopping around for a car or a mortgage, get your quotes from different lenders within a two-week period. Your inquiries will be combined and treated as a single inquiry for your credit score; Apply for credit only when you really need it. 4. Report any inaccuracies on your credit report Once you get your report, check for: Errors in credit card and loan accounts, such as a payment you made on time that is shown as late – this could impact your credit score negatively; Mistakes in your personal information, such as a wrong mailing address or incorrect date of birth; Accounts listed that you never opened, which could be a sign of identity theft; Negative information about your accounts that is still listed after the maximum number of years it’s allowed to stay on your report. Any inconsistencies or incidents of fraud should be reported to the respective credit bureaus without any delay and get it corrected. Monitoring your credit on a regular basis can help you spot inaccuracies before they impact your credit rating. Note: A credit bureau can’t change accurate information related to a credit account on your report. For example, if you missed payments on a credit card, paying the debt in full or closing the account won’t remove the negative history. 5. Use different types of credit: card, loan, line of credit The number of credit products you have (such as a credit card, line of credit, loans, etc.) affects your credit score. For newcomers to Canada, it is recommended to start off with a single credit card and gradually apply for other credit products at a later stage. As you become more established in Canada, diversifying your credit and having a mix of credit products may improve your credit score. However, make sure you can pay back any money you borrow, otherwise, you could end up hurting your score by taking on too much debt. How to check your credit score It takes at least a few weeks to a month for newcomers to receive their first Canadian credit card and a few additional months of credit transactions to generate a credit history. You can check your credit score in the following ways: 1. Through credit bureaus: EQUIFAX and TransUnion are the two major credit rating organizations in Canada, and you can choose either one to get your credit report. Detailed instructions to obtain the report are available on the respective websites. Your credit score on each credit bureau may slightly differ as each organization may consider different factors while calculating your credit score. Equifax refers to your credit report as “credit file disclosure” while TransUnion refers to it as “consumer disclosure”. Remember: Ordering your own credit report has no effect on your credit score. 2. Through select banks: If you have an account with the Royal Bank of Canada (RBC), you can view your credit score for free, anytime, through online banking. 3. Through third-party companies: Some companies offer to provide your credit score for free. Others may ask you to sign up for a paid service to see your score. Make sure you do your research before providing a company with your information. Carefully read the terms of use and privacy policy to know how your personal information will be used and stored. For example, find out if your information will be sold to a third party. This could result in you receiving unexpected offers for products and services. Beware of fraudsters who offer free credit scores in an attempt to get you to share your personal and financial information. Tips: Consider requesting your report from one bureau/company, then wait six months before you order from the other organization. By spacing out your requests, you may be able to detect problems sooner. Always check to see if a website is secured before providing any of your personal information. A secured website will start with “https” instead of “http.” How to order a credit report in Canada You can get a physical or a virtual copy of your credit report. A physical copy may take some time to be delivered to you while a virtual copy can be obtained immediately. You usually need to pay a fee when you order your credit score online from the two credit bureaus: TransUnion and Equifax. Tip: TransUnion allows you to order your credit report online once a month for free. Note: A free credit report is only available as a physical copy and cannot be ordered online; separate processes exist for both Equifax and TransUnion. You must place your order by phone, mail or fax. How long does information stay on your credit report? Positive information in your credit report stays indefinitely, from the time the report was created. Negative information (that affects your credit score) such as late payments or defaults generally stays on your credit report for six years. However, some information may remain for a shorter or longer period of time. Learn more about the timelines for specific cases on the Financial Consumer Agency of Canada website. Credit is essential to life in Canada and building a good credit history takes time, so, be patient. Being aware of factors that affect your credit rating can help you make better financial choices. Original article located here, published by Arrive.

Working while studying in Canada: What you need to know

Working during your studies in Canada can be a great way for international students to gain experience, make new connections in Canada, and earn extra money to pay the bills (or treat yourself to something special!). However, there are some restrictions on who can work while studying in Canada and what types of work they can do. Here’s what you need to know before you start your job search. Who can work while studying in Canada It’s important to make sure you qualify to work while studying in Canada before starting a job because, if you do so without qualifying, you could be asked to leave Canada. Your study permit will include information about whether you’re able to work on- or off-campus. International students can work on-campus without a work permit if they meet all of these requirements. (Note that you must stop working on campus the exact day your full-time study ends.) 1. You are a full-time post-secondary student at either: a public post-secondary school, a private college-level school in Quebec that’s at least 50 per cent funded by government grants, or a Canadian private school that can legally award degrees under provincial law. 2. You have a valid study permit. 3. You have a Social Insurance Number (SIN) International students can work off-campus without a work permit if they meet all the following requirements. (Note that you can only start work in Canada once your study program officially begins.) You’re a full-time student at a Designated Learning Institution (DLI) You’re enrolled in either a post-secondary professional, vocational, or professional training program or a secondary-level vocational training program (Quebec only) You’re in a study program that’s at least six months long and leads to a degree, diploma, or certificate You’ve already started studying You have a Social Insurance Number (SIN) If you’re a part-time student, you must meet all of the above requirements and only be studying part-time because you’re in the last semester of your program and don’t need a full course load to complete it. Types of work permitted On-campus work On-campus work means any jobs located in the buildings on your school campus. If your school has more than one campus, you can normally only work on the campus you study at. You can, however, work at other locations if you’re a teaching or research assistant, or if your work is related to a research grant. An on-campus employer can be your school, a faculty member, a student organization, a private contractor that provides on-site services, or even yourself if you run a business that’s physically located on campus. There is no limit to the number of hours you can work on campus. You can learn more about working on-campus here. Off-campus work If you meet all of the requirements for off-campus work, you may work up to 20 hours a week during regular school terms/semesters. During school breaks, such as winter or summer holidays, you’re free to work overtime or take two part-time jobs that add up to a higher than usual number of hours. Note you have to be a full-time student both before and after a break to qualify. This means the summer breaks before and after your study term are not included. You can find more information about off-campus work here. Internships and co-op placements Some study programs include work experience as part of their curriculum. If this applies to your program, you can apply for a co-op or intern work permit as long as you meet these requirements: You have a valid study permit Work is required to complete your program of study in Canada You have a letter from your school that confirms all students in your program need to complete work placements to earn their degree Your co-op or internship makes up less than 50 per cent or less of your study program During COVID, the Canadian government has made some exceptions for remote co-ops and internships. You can learn more about these here. Tips for working while studying in Canada Plan your schedule well. Between work and school, it can be easy to overcommit yourself– especially in your first year of study. It may be best to give yourself some time to adjust to your new schedule before seeking out additional work. Look for opportunities aligned with your field of study or ones that allow you to develop new skills (such as improving your English or French!). Jobs can have more benefits than just making money. Take this opportunity to learn outside the classroom and even make some valuable connections in your field. Consider future employment prospects with your employer. Canadian companies often offer full-time jobs to former interns or employees they’ve already worked with on a part-time basis. Use your co-op or part-time gig as a chance to get your foot in the door. Network in the workplace and ask your manager to give you a referral on LinkedIn to show future employers you’re a valuable asset to their team. In Canada, many positions are filled through recruiters networks, so building your network will be key to hearing about job opportunities. Take this opportunity to meet others in your field. Even if they don’t end up hiring you down the road, they may know someone else looking to fill a position. Be proactive. Don’t be afraid to ask your manager for additional opportunities or express your interest in working on a particular project. If you don’t ask, you don’t get! Ask for help when you need it. Canadian companies tend to be very team-oriented and encourage employees to ask for help when they need it. Asking a colleague or manager for help can be a learning and networking opportunity. Working while studying in Canada is a great way to make the most of your study permit. Finding the right job, internship, or co-op placement gives you an opportunity to learn new skills, make valuable connections, and further define your future career goals. Get access to more career resources and tips for international students by downloading the Arrive app. Original full article located here, published with edits by Arrive.

Aston University secures £2.2m grant to reduce carbon footprint

“The projects that we are investing in at Aston University are expected to save in the region of 2.2 million kWh annually, which will save around 430 tonnes of carbon dioxide equivalent.” Andrew Bryers, Sustainability Manager Aston University £2.2m funding awarded to Aston University by Phase 2 Public Sector Decarbonisation Scheme Public sector being supported in taking a whole building approach to decarbonisation Aston University projects will save around 430 tonnes of carbon dioxide equivalent Aston University has been successful in its bid for a government grant of over £2 million to reduce its carbon emissions. The £2.2m funding has been awarded by the Phase 2 Public Sector Decarbonisation Scheme (PSDS) managed on behalf of the Department of Business, Energy and Industrial Strategy (BEIS) by delivery partner Salix Finance. The scheme supports the public sector in taking a 'whole building' approach to decarbonising their estates. It puts the sector at the forefront of decarbonising buildings in the UK, placing it in a leadership role to create exemplar projects in communities that pave the way to help the country meet its carbon budgets and net zero commitments. The grant funding secured by Aston University will be invested in a variety of carbon reduction projects including: Andrew Bryers, sustainability manager at Aston University, said: “One of the greatest challenges today in meeting the UK’s 2050 net zero target is decarbonising the way buildings are heated. In fact, most of the buildings in the public sector still rely on fossil fuel-based heating and as these heating systems approach the end of their working lives it is an ideal opportunity to transition to low carbon heating.” “The projects that we are investing in at Aston University are expected to save in the region of 2.2 million kWh annually, which will save around 430 tonnes of carbon dioxide equivalent.”

Aston University cyber security experts shape government policy around resilience of supply chains

"Cyber security of any organisation, inclusive of its supply chain, should be promoted in conjunction with other organisational targets, such as profitability, productivity and financial/operational risk management" Professor Vladlena Benson, Aston University Researchers from Aston University’s Cyber Security Innovation (CSI) Research Centre have been invited to respond to the call for evidence by the Department for Culture, Media and Sport (DCMS) The centre works with businesses to help improve resilience to cyber attacks It comes after a series of high-profile attacks on managed service providers affecting thousands of firms and compromising government agencies. Experts from the Cyber Security Innovation (CSI) Research Centre at Aston University have responded to a call for evidence by the Department for Culture, Media and Sport (DCMS) on cyber security in supply chains and managed service providers. The CSI centre works with businesses to help improve their security posture and develops state-of-the-art solutions for supply chain resilience and business continuity. Recent research1 from the centre explored organisational approaches to supply chain management in the West Midlands, specifically in the times of remote arrangements and when traditional business continuity practices in supply chain management have been challenged. It comes as two high profile attacks (SolarWinds and Kesya) on managed service providers threatened the world and brought to a standstill credit card processing for major retail chains in Sweden, while US government officials' personal data was compromised. The €6.9m TRACE project, an EU-funded scheme of which Aston University is a key partner, addresses these issues and kicked off on Friday 9 July 2021. Professor Vladlena Benson, director of the CSI at Aston Business School, recently attended a round table by the Minister of Digital Infrastructure. She said: “Based on the conclusions of our research, we make a recommendation that cyber security of any organisation, inclusive of its supply chain, should be promoted in conjunction with other organisational targets, such as profitability, productivity and financial/operational risk management. “The identification and promotion of synergies between cyber security, profitability and productivity is a strong driver to ensure that, at a senior level, organisations take responsibility and accountability for effective cyber risk management. Dr Donato Masi, from the CSI Centre at Aston University, said: “Profitability or productivity are close to the competitive advantage of the firm and security of the supply chain of any organisation underpins its longevity on the market it operates in. “Investment in cyber security measures, including supply chain risk assessment and counter-threat controls, should be viewed as a ‘cost of doing business’ and business success and/or longevity.” 1Find out more about the research of the CSI Centre here

Social Class At Work

Social class has a significant role to play in career success in the United States. A growing body of research is shedding disquieting light on the extent to which working class Americans face discrimination in recruitment, pay and promotion – despite having a college degree. This demographic is up to four times less likely to get hired, 34% less likely to accede to leadership roles, and earns around 17% less on average than counterparts from middle or upper-class backgrounds. But while research is starting to document how class can impede or accelerate professional success, it remains unclear why these discrepancies exist. What are the mechanisms or dynamics at play that make it so much tougher for working class people to succeed than others? Goizueta Business School Assistant Professor of Organization & Management Andrea Dittmann has an interesting hypothesis. She believes that employees from different backgrounds can bring inherently different strengths and weaknesses to the workplace; advantages and disadvantages that speak to certain norms governing how we think about work and leadership. And it boils down, she says, to the way we work with others. “People from working-class backgrounds—those with blue-collar parents, who might be the first in their family to get a college degree—typically relate a certain way to other people. They are better connected to others, more team-like in their approach, than their middle-class counterparts who see themselves as more independent or unique,” says Dittmann. This team spirit could be working against lower-class employees, she says, in the sense that they see themselves or are perceived by bosses as being less adept at working autonomously or as individuals within organizations; and are therefore viewed by others as less poised to advance into roles of greater responsibility. On the flip side, this very capacity to work well with other people could actually give working class employees an advantage in team-based activities or cultures; an advantage that might translate into concrete benefits for organizations. To put this to the test, Dittmann conducted a series of studies aimed at unpacking how individuals perceive themselves within the context of work, and at the interactions that occur between employees and the workplace. Among these studies were qualitative interviews with MBA students from different social class backgrounds about their experiences navigating white-collar workplaces after graduating from college. She also ran a number of experiments to assess how well working-class people performed in teams and individually, and how environments that prioritize collaborative dynamics or interdependence might produce better experiences and outcomes for employees than environments geared to working individually or independently. A full article detailing Dittmann’s work is attached here and offers very compelling research showing how social class plays out in the workplace. It covers important aspects such as: The Catch-22 of Working Well with Others “It’s a kind of catch-22. Working class kids don’t make it into the gateway settings of school or college as much as middle-class kids in the U.S. They are significantly underrepresented in leading business schools like Goizueta, at roughly 15% of the student population,” she notes. “So, the higher-educational context—the talent pool for corporate America—is very much geared to a different social demographic and dynamic; one that inherently favors independent work ethics and approaches and sees them as the norm. Other ways of working, collaborating, and contributing risk are being undervalued as much as they are underrepresented.” When Considering Diversity, Companies Stand to Benefit “We know that companies that are more diverse perform better than others, and diversity needs to extend to social class. What my research and others are showing is that people from a working-class background tend towards behaviors that are more relational, that they are better at working together. If they fail to make it into the workforce in a more representative fashion, companies are basically missing out on opportunities to form better teams.” Faculty research like Dittmann’s is a critical element in Goizueta Business School’s drive to develop principled leaders who are better prepared to engage in the business of tomorrow. If you are interested in learning more, then let us help. Andrea G. Dittmann is an Assistant Professor of Organization & Management at the Goizueta Business School. She is an expert in the areas of diversity and inequality, particularly employees' social class backgrounds, aiming to promote equity and inclusion at work. Dr. Dittmann is available to speak with media about this research – simply click on her icon now to arrange an interview today.

Crossing Space and Time at Japan Society's 2021 Annual Dinner

On June 22, Japan Society celebrated its 2021 Annual Dinner, raising over $1.3 million to take us into the next year and beyond. It was—literally and virtually—a star-studded evening at the intersection of science, art, culture, business, and the U.S.-Japan alliance. After a special message from Japanese Prime Minister Yoshihide Suga, the program included a conversation between former JAXA astronaut Naoko Yamazaki, the second Japanese woman to fly in space, and Ambassador Caroline Kennedy—marking the 60th anniversary of President Kennedy's Moonshot Address, followed by a performance from Japan's Ryoma Quartet. The keynote Fireside Chat brought together two titans of industry, our very own Chairman Joseph Perella, Chairman Emeritus, Perella Weinberg Partners and private equity pioneer Henry Kravis, Co-Chairman and Co-CEO of KKR—also the recipient of this year's Japan Society Award. Mr. Kravis underscored the value of investing in long-term relationships throughout his talk with Mr. Perella, noting, "You have to be patient. You have to set your mission. You have to have a focus on ESG (environmental, social, and governance). Any company today that is not focusing on their ESG and on diversity of their workforce is not going to have much of a future. Today, it's not all about making money. That's a part of it. But it's also very important to ask, 'What are you doing for society, what are you doing to help your country?'" In her conversation with astronaut Naoko Yamazaki, Ambassador Caroline Kennedy cited her father's famous Moonshot Address at Rice University in 1962: "We choose to go to the Moon in this decade and do the other things, not because they are easy, but because they are hard, because that goal will serve to organize and measure the best of our energies and skills, because that challenge is one that we are willing to accept, one we are unwilling to postpone, and one which we intend to win, and the others, too." Yamazaki, who is working to inspire the next generation in aerospace, among other initiatives, is "thrilled to be able to witness the Artemis Program, which is sending the first woman and the first person of color to the moon, with international cooperation. Japan is in charge of the cargo transfer to the Lunar Gateway, the station [that will orbit the moon], and also Toyota and JAXA are developing a pressurized lunar rover to explore the surface of the moon." For Japan Society, the next 50 years will be our own Moonshot, as we move forward into a new post-pandemic inflection point—a significant reopening full of energy and excitement this fall that embodies the best of American and Japanese spirit. It's time to reach beyond the physical space of our landmarked building, which opened to the public 50 years ago in September 1971, re-imagining our enduring mission of connecting American and Japanese people, cultures, and societies across time and space for the next half century. Sixty years ago, President John F. Kennedy's Moonshot Address inspired a generation of Americans to look to the moon in the spirit of adventure, patriotism, and freedom. Today, under new leadership in the United States and Japan, Japan Society starts a new chapter in building our kizuna, our forward-facing energy and deeply interwoven connections, between New York and Japan – and beyond. How do we continue to inspire the next generation of leaders in U.S.-Japan relations? As we think about the next 50 years at Japan Society, much has changed, yet many of the foundations remain the same from our starting point 114 years ago. There's a lot to look forward to as we celebrate significant milestones in 2021-22 and beyond. As Mr. Kravis said, in order to grow and to survive, "You have to keep innovating, you have to keep moving." Japan Society is a convener for the future. With your support, we, too, will overcome the tough challenges facing this world and the U.S.-Japan alliance, together. See you at Japan House and on the far side of the moon! If you missed out on our 2020-21 season, below are some of the highlights. Stay tuned for more exciting events coming this summer and fall, in person and online! Published on June 22, 2021 on Japan Society’s new Watch & Read page.

Experts explore the gap between research and practice in disaster management

The COVID-19 pandemic has attracted public attention to crisis management globally, writes Aston University's Oscar Rodriguez-Espindola. Although authorities and international organisations are still actively and diligently trying to mitigate the impact of the pandemic, some of the attention is shifting towards understanding the decisions made and learning from our experience. Indeed, this experience has inadvertently shown different areas for improvement for emergency management systems. The experience gained during the pandemic should lead governments and organisations to refine crisis management processes to prepare for challenges ahead. Leveraging research and specialist groups have been essential to support and inform decisions, as these can provide key insights guiding policy decisions. However, the integration of research and practice should not take place at the response stage only, but as part of the core crisis management system at every stage. It is crucial to maintain and strengthen the relationships between research and practice forged during the pandemic for different emergencies in the future. With the increasing number of different disasters happening and the threats stemming from climate change, it is not surprising that between 1994 and 2013 around 1.35 million lives have been claimed annually by natural disasters. Therefore, the value of partnerships between research and practice needs to be strengthened and implemented globally. Academics from Aston University in the UK and the Universidad Autónoma de Occidente in Mexico have investigated the current status of the integration of research and practice for crisis management. A systematic literature review of decision models for humanitarian logistics has been used to understand the way these models have reflected the real conditions experienced by decision-makers and catered to their priorities. Afterwards, interviews with two civil protection authorities of the state of Sinaloa, Mexico, have been undertaken to understand the conditions faced by them for crisis management, their processes and their view of decision models to support crisis management in the country. Next, a multicriteria decision analysis was used to capture their preferences regarding the objectives set for humanitarian operations to develop an analysis of their priorities. Practice needs to be informed by research, but for that guidance to be impactful, research needs to have a thorough understanding of the conditions and challenges faced by practice. The literature focused on models for humanitarian logistics has shown that the engagement of academics with practitioners in the design of solutions to support decision-making has been declared in less than a quarter of the contributions, as shown in Table 1. That means the design of solutions is based on prior secondary information or founded on a theoretical basis, which is not necessarily reflecting the current reality faced by authorities. It is noteworthy that there is an increasing trend in the number of articles involving practitioners in recent years, with more than half of them published in the previous three years. Despite that growth, however, the relative percentage of contributions incorporating practitioners has never been beyond 40% of all the models published in any year, which highlights that there is still a long way to go to support research development. Table 1: Involvement of practitioners in the design of models for humanitarian logistics Our interviews highlighted that authorities perceive the potential of systems to improve information management forecasting and decision-making, but they also unveiled the concerns about these systems providing unrealistic or unfeasible solutions. Optimisation models are formulations in which a metric is maximised or minimised subject to a series of constraints. If the objective does not reflect the objectives and priorities of decision-makers, then results can be less relevant for decision-makers. For instance, models solely aiming to minimise cost would struggle to give useful solutions to authorities focused primarily on providing support to all the victims equally. Therefore, the lack of involvement from decision-makers can lead practitioners to be cautious about using decision-making models. To examine the link between contributions in the literature and the objectives and priorities of authorities, data about them was gathered and analysed using a technique known as Fuzzy-TOPSIS. The purpose was to identify the importance given to different objectives by authorities for different activities in order to rank them based on importance as shown in Table 2. Although humanitarian logistics are characterised by a focus on the overarching ideas of saving lives and reducing suffering, it is still surprising to note that cost was the least important objective for authorities. Conversely, more than three-quarters of the models surveyed are using cost as the main objective function, which makes it the most prominent objective in humanitarian logistics. As preferences from authorities seem considerably more focused on maintaining a reliable flow of support, with high levels of service and ensuring to reach the most affected population, our findings suggest a misalignment between research and practice. Hence, neglecting to incorporate practitioners in decision-making models for humanitarian logistics can lead to omitting their needs and priorities, rendering the models less effective to provide workable solutions. Table 2: Ranking of objectives from civil protection authorities Additionally, it is important that research guides and influences practice in relevant aspects for further development. For instance, understandably, the chaotic and urgent conditions faced by authorities in humanitarian logistics force them to prioritise response over any other considerations. Our interviews confirmed this, as they mentioned that even though sustainability is becoming a crucial element in regular times, it is undermined by the urgency of the response and only included in recovery activities. This is an aspect worth looking into because research has shown that sustainability can be integrated into crisis management, even with the potential to provide improvements in terms of efficiency. Hence, a more thorough integration between research and practice would allow to positively influence activities on the field based on findings and results proposed and tested by cutting-edge investigations. Overall, our findings suggest that despite the increasing remarks about the intention of joining research and practice, there is still a significant divide between them. Reducing that divide can be beneficial for both sides. More practice-informed research can allow to development of feasible solutions that can enhance the support provided to disaster victims in practice, whereas more research-informed practice can provide stronger foundations for effective decision-making and guide research to focus on key aspects to make it more impactful. Therefore, it is essential to put more emphasis on integrating research and practice from the roots, to make their interaction more fruitful. Current trends seem to be going towards that direction, especially with the current focus on the impact on research, but further efforts are required to motivate researchers and practitioners to work together to improve crisis management. This article was co-written by Oscar Rodriguez-Espindola, Pavel Albores, Hossein Ahmadi, Soumyadeb Chowdhury, Prasanta Dey from Aston University and Diego Chavira and Omar Ahumanda from the Universidad Autónoma de Occidente. This work was supported by an Institutional Links grant, ID 527666998, under the Newton UK-Mexico partnership. The grant is funded by the UK Department for Business, Energy and Industrial Strategy and delivered by the British Council. For further information, please visit www.newtonfund.ac.uk

Gas boiler ban: how to make sure everyone can afford low-carbon heating

Most of us only think about central heating when it stops working or when the fuel bills arrive. So reports of an impending ban on gas boilers in the UK – and news that green alternatives such as heat pumps can cost over £10,000 – might have been a nasty shock for many. Most UK households rely on gas boilers, which are more efficient than ever, but still burn fossil fuels. As a result, domestic heating accounts for over a third of greenhouse gas emissions and almost half of energy consumption nationwide. Tackling climate change means changing how we heat our homes. But this is possible without turning warmth and comfort into unaffordable luxuries. Our research has looked at how business models can break this trade-off between people and the planet. One involves reimagining heating as a service. When buying a boiler, a customer typically pays someone to buy and install it. They then sign a contract with an energy company to provide the fuel and find another service provider to fix the boiler when it breaks down. Wouldn’t it be simpler to sign one contract with one company that could guarantee a steady supply of heat? A manufacturer would be responsible for installing the heating system and for ensuring it works. Since the manufacturer would be paid for delivering heat, you wouldn’t be billed for repairs or have to pay steep upfront installation costs – you’d simply have to keep up with flat monthly payments. By aligning the objectives of all parties, “heat as a service” allows the risks and rewards of investing in new technologies like heat pumps to be shared. Fuelling poverty Low-carbon technologies such as heat pumps can go a long way to achieving net zero targets. Unlike a boiler, heat pumps move heat from warm to cold spaces rather than generate it, operating in a similar way to air conditioning. Heat pumps run on electricity and can reduce greenhouse gas emissions if their power comes from low-carbon sources. Waste heat from sewage plants and other facilities can even be redirected to supply home central heating systems with the right infrastructure, such as district heat networks. But most UK homes have gas on tap, and new heating technologies are expensive to install and manage. Much of the required infrastructure needs to be funded. Heat pumps decarbonise home heating by replacing fossil fuel burning boilers. I AM NIKOM/Shutterstock Over two million households in England suffer from fuel poverty. This means that paying fuel bills would leave them with nothing left over for food and other necessities. More efficient, low-carbon heating can bring those bills down, but when faced with the decision to heat or eat, is it fair to expect people to invest in expensive technology? If these technologies are unaffordable, can we hope for the needed revolution in domestic heating? The slow adoption of rooftop solar panels and electric cars demonstrates what a hard sell these technologies can be for cash-strapped consumers. Technology is not enough. Instead, we need to change the business logic for bringing technology into our homes. Heat as a service Digital technology has made it easier for almost everything we use, from music to cars and clothing, to be delivered as a service. Record stores selling albums now compete with online streaming services which offer a vast library of music ready to be played with a monthly subscription. Taxi drivers and car dealers have had to adjust to ride-sharing services and even fast-fashion companies are now threatened by online rental services, which help old clothes find new purpose. Businesses offer software as a service and even manufacturing as a service, which take away the need for upfront investment and unexpected bills and allow customers to access and pay for what they need with a single fee or subscription. Heat as a service does something similar by cutting out the complexity of installing, maintaining and fuelling a boiler or heat pump. In the winter of 2017, over 100 UK homes were offered a heat plan, which guaranteed an indoor temperature for an arranged monthly fee. Customers often struggle to keep track of how much they spend on heating, so the plan offered some peace of mind. The trial involved collaboration between local authorities, an energy company and a boiler manufacturer, plus digital tool providers that helped monitor and control the temperature. Most participants found they were more comfortable and were more likely to consider low-carbon heating on its own, and particularly as part of an arrangement like heat as a service. Paying for heating technologies that are kinder to the planet is likely to be too expensive for lots of people. Relying on households to make these preparations on their own would also be disastrous for decarbonisation. A recent report by the International Energy Agency forecasted that less than 5% of the total emissions reductions needed to reach net zero by 2050 can be expected to come from such behaviour changes among the general public. Rather than expecting households to buy heat pumps, states and energy utilities should offer them low-carbon heating as a service. This article was co-written by Ahmad Beltagui, Andreas Schroeder, and Omid Omidvar, of Aston University

Aston University credit rating expert wins prestigious Fulbright scholarship

Aston Law School’s Dr Daniel Cash is the first member of the University to be awarded a Fulbright scholarship since Donald Biggs in 1974. The Fulbright Program is one of the largest and most prestigious educational exchange programs ever developed It has awarded over 8000 fellowships to students and scholars since its creation in 1946 by Senator J. William Fulbright An Aston University credit rating expert has been awarded a prestigious 12-month scholarship as part of the Fulbright Program in the United States of America. Dr Daniel Cash is the first member of Aston Law School to win one and is the first University staff member to enrol since Donald Biggs in 1974. He will start at New York University’s Stern Business School in April. Whilst there, he will be developing a sector-leading edited collection, bringing together the leading figures in credit rating research. He will also be creating articles on developments within the credit rating sector, and particularly the effect of credit rating agencies on the sovereign debt of the world’s poorest countries. Dr Cash said: “This is the accumulation of more than a decade’s worth of dreaming. I first visited New York in 2007 to try to gain some inspiration after a tough time in my life and ever since then have focused solely on moving over there. “I contacted a professor at NYU during my Masters in 2011 and have kept in touch with him since, even having Visiting Fellowships under him since being at Aston University. This Scholarship is the prize for all of that.” The Fulbright Program is one of the largest and most prestigious educational exchange programs ever developed. It has awarded over 8000 fellowships to students and scholars. Amongst its alumni counts are 39 Heads of State, 60 Nobel Prize Laureates, 75 MacArthur Foundation Fellows and 88 Pulitzer Prize Recipients. Professor George Feiger, executive dean of the College of Business and Social Sciences, who was himself a Fulbright Scholar at Harvard University, said: “The Fulbright Program is highly selective and exclusive and being awarded a scholarship through it is a phenomenal accomplishment for Daniel. It is a flagship initiative that is highly regarded globally and is a just reward for all of his hard work here at Aston University.”

Aston University cybersecurity experts hold key to vaccine passport rollout

Vaccine passports are certificates to establish proof of vaccination linked to the identity of the holder Renowned expert, Koji Fusa, visiting professor at the Cyber Security Innovation Research Centre (CSI), on the project to develop a global database for citizens to use in real-time. The CSI Centre at Aston University say creating a clear framework of rules for digital identities is achievable Leading cybersecurity industry expert, Koji Fusa, has made progress towards developing a framework for the world’s citizens to store their digital identities and access them in real-time. Koji is a Visiting Professor at the Cyber Security Innovation Research Centre (CSI) at Aston University. The idea would see a platform that has the capability to distribute over 200 individual keys to each of the world’s eight billion people. Each key could be assigned to personal information such as vaccine passports. It will work by vaccine administrators sending the vaccination details of each individual to a dedicated server. That server will issue a QR code which will be passed to the vaccinated person as the digital key for access. The passport holder will keep the QR code which enables access to the server to check their own record at any time. The framework would segment private data in a separate database, which can only be accessed with the individual key along with fingerprint, face and voice recognition technology, making it extremely hard for cyber attackers and scammers to hack. Koji Fusa, a visiting professor at the CSI Centre, said: “The current EU Green Pass initiative and World Health Organisation's initiative have struggled to find the solution for private data protection and counterfeit prevention. This proposed system would solve these two challenges. We have a solution that is secure, something that others have failed to achieve so far. “By having a cloud security server which gives unique reference numbers to all devices, technology issues pointed out by The Royal Society* have been solved. “This will be a huge step forwards for digital identification globally. Not only for vaccine passports, but for people’s personal information too. The framework would make everyday life more secure and simpler. Professor Vladlena Benson, an industry-recognised expert in cybersecurity risk management and director of CSI Centre at Aston Business School, said: “I am delighted to be working on this project with Koji Fusa. With his experience, I’m confident this could become the first such system where the authenticity of the vaccine certification instantly can be checked globally, something that can’t be done currently. "This work is aligned to the trusted identities framework proposed by the UK Government and addresses the issues of data sovereignty and individual information privacy."