Abstract: Since the 1980s, banks and financial service institutions have been running in an endless race of innovation to cope with the advancing technology, the fierce competition, and the more sophisticated and demanding customers. In order to guide their innovation efforts, several researches were conducted to identify the success and failure factors of new financial services. These mainly included organizational factors, marketplace factors and new service development process factors. They almost all emphasized the importance of customer and market orientation as a response to the highly perceptual and intangible characteristics of financial services. However, they deemphasized the critical characteristics of high involvement of risk and close correlation with the economic conditions, a factor that heavily contributed to the Global financial Crisis of 2008. This paper reviews the success and failure factors of new financial services. It then adds new perspectives emerging from the analysis of the role of innovation in the global financial crisis.
Abstract: Obtaining labeled data in supervised learning is often
difficult and expensive, and thus the trained learning algorithm tends
to be overfitting due to small number of training data. As a result,
some researchers have focused on using unlabeled data which may
not necessary to follow the same generative distribution as the labeled
data to construct a high-level feature for improving performance on
supervised learning tasks. In this paper, we investigate the impact of
the relationship between unlabeled and labeled data for classification
performance. Specifically, we will apply difference unlabeled data
which have different degrees of relation to the labeled data for
handwritten digit classification task based on MNIST dataset. Our
experimental results show that the higher the degree of relation
between unlabeled and labeled data, the better the classification
performance. Although the unlabeled data that is completely from
different generative distribution to the labeled data provides the lowest
classification performance, we still achieve high classification performance.
This leads to expanding the applicability of the supervised
learning algorithms using unsupervised learning.
Abstract: Higher-order Statistics (HOS), also known as
cumulants, cross moments and their frequency domain counterparts,
known as poly spectra have emerged as a powerful signal processing
tool for the synthesis and analysis of signals and systems. Algorithms
used for the computation of cross moments are computationally
intensive and require high computational speed for real-time
applications. For efficiency and high speed, it is often advantageous
to realize computation intensive algorithms in hardware. A promising
solution that combines high flexibility together with the speed of a
traditional hardware is Field Programmable Gate Array (FPGA). In
this paper, we present FPGA-based parallel architecture for the
computation of third-order cross moments. The proposed design is
coded in Very High Speed Integrated Circuit (VHSIC) Hardware
Description Language (VHDL) and functionally verified by
implementing it on Xilinx Spartan-3 XC3S2000FG900-4 FPGA.
Implementation results are presented and it shows that the proposed
design can operate at a maximum frequency of 86.618 MHz.
Abstract: Herein, we report the different types of surface morphology due to the interaction between the pure protein Insulin (INS) and catanionic surfactant mixture of Sodium Dodecyl Sulfate (SDS) and Cetyl Trimethyl Ammonium Bromide (CTAB) at air/water interface obtained by the Langmuir-Blodgett (LB) technique. We characterized the aggregations by Scanning Electron Microscopy (SEM), Atomic Force Microscopy (AFM) and Fourier transform infrared spectroscopy (FTIR) in LB films. We found that the INS adsorption increased in presence of catanionic surfactant at air/water interface. The presence of small amount of surfactant induces two-stage growth kinetics due to the pure protein absorption and protein-catanionic surface micelle interaction. The protein remains in native state in presence of small amount of surfactant mixture. Smaller amount of surfactant mixture with INS is producing surface micelle type structure. This may be considered for drug delivery system. On the other hand, INS becomes unfolded and fibrillated in presence of higher amount of surfactant mixture. In both the cases, the protein was successfully immobilized on a glass substrate by the LB technique. These results may find applications in the fundamental science of the physical chemistry of surfactant systems, as well as in the preparation of drug-delivery system.
Abstract: In modern telecommunications industry, demand &
supply chain management (DSCM) needs reliable design and
versatile tools to control the material flow. The objective for efficient
DSCM is reducing inventory, lead times and related costs in order to
assure reliable and on-time deliveries from manufacturing units
towards customers. In this paper the multi-rate expert system based
methodology for developing simulation tools that would enable
optimal DSCM for multi region, high volume and high complexity
manufacturing environment was proposed.
Abstract: Perth will run out of available sustainable natural
water resources by 2015 if nothing is done to slow usage rates,
according to a Western Australian study [1]. Alternative water
technology options need to be considered for the long-term
guaranteed supply of water for agricultural, commercial, domestic
and industrial purposes. Seawater is an alternative source of water for
human consumption, because seawater can be desalinated and
supplied in large quantities to a very high quality.
While seawater desalination is a promising option, the technology
requires a large amount of energy which is typically generated from
fossil fuels. The combustion of fossil fuels emits greenhouse gases
(GHG) and, is implicated in climate change. In addition to
environmental emissions from electricity generation for desalination,
greenhouse gases are emitted in the production of chemicals and
membranes for water treatment. Since Australia is a signatory to the
Kyoto Protocol, it is important to quantify greenhouse gas emissions
from desalinated water production.
A life cycle assessment (LCA) has been carried out to determine
the greenhouse gas emissions from the production of 1 gigalitre (GL)
of water from the new plant. In this LCA analysis, a new desalination
plant that will be installed in Bunbury, Western Australia, and known
as Southern Seawater Desalinization Plant (SSDP), was taken as a
case study. The system boundary of the LCA mainly consists of three
stages: seawater extraction, treatment and delivery. The analysis
found that the equivalent of 3,890 tonnes of CO2 could be emitted
from the production of 1 GL of desalinated water. This LCA analysis
has also identified that the reverse osmosis process would cause the
most significant greenhouse emissions as a result of the electricity
used if this is generated from fossil fuels
Abstract: There are many kinds of metal borates found not only
in nature but also synthesized in the laboratory such as magnesium
borates. Due to its excellent properties, as remarkable ceramic
materials, they have also application areas in anti-wear and friction
reducing additives as well as electro-conductive treating agents. The
synthesis of magnesium borate powders can be fulfilled simply with
two different methods, hydrothermal and thermal synthesis.
Microwave assisted method, also another way of producing
magnesium borate, can be classified into thermal synthesis because of
using the principles of solid state synthesis. It also contributes
producing particles with small size and high purity in nano-size
material synthesize. In this study the production of magnesium
borates, are aimed using MgCl2.6H2O and H3BO3. The identification
of both starting materials and products were made by the equipments
of, X-Ray Diffraction (XRD) and Fourier Transform Infrared
Spectroscopy (FT-IR). After several synthesis steps magnesium
borates were synthesized and characterized by XRD and FT-IR, as
well.
Abstract: This paper deals with the modeling and the evaluation of a multiplicative phase noise influence on the bit error ratio in a general space communication system. Our research is focused on systems with multi-state phase shift keying modulation techniques and it turns out, that the phase noise significantly affects the bit error rate, especially for higher signal to noise ratios. These results come from a system model created in Matlab environment and are shown in a form of constellation diagrams and bit error rate dependencies. The change of a user data bit rate is also considered and included into simulation results. Obtained outcomes confirm theoretical presumptions.
Abstract: The permanent magnet synchronous motor (PMSM) is
very useful in many applications. Vector control of PMSM is popular
kind of its control. In this paper, at first an optimal vector control for
PMSM is designed and then results are compared with conventional
vector control. Then, it is assumed that the measurements are noisy
and linear quadratic Gaussian (LQG) methodology is used to filter
the noises. The results of noisy optimal vector control and filtered
optimal vector control are compared to each other. Nonlinearity of
PMSM and existence of inverter in its control circuit caused that the
system is nonlinear and time-variant. With deriving average model,
the system is changed to nonlinear time-invariant and then the
nonlinear system is converted to linear system by linearization of
model around average values. This model is used to optimize vector
control then two optimal vector controls are compared to each other.
Simulation results show that the performance and robustness to noise
of the control system has been highly improved.
Abstract: Demand of energy is increasing faster than the
generation. It leads shortage of power in all sectors of society. At
peak hours this shortage is higher. Unless we utilize energy efficient
technology, it is very difficult to minimize the shortage of energy. So
energy efficiency program and energy conservation has an important
role. Energy efficient technologies are cost intensive hence it is
always not possible to implement in country like India. In the recent
study, an educational building with operating hours from 10:00 a.m.
to 05:00 p.m. has been selected to quantify the possibility of lighting
energy conservation. As the operating hour is in daytime, integration
of daylight with artificial lighting system will definitely reduce the
lighting energy consumption. Moreover the initial investment has
been given priority and hence the existing lighting installation was
unaltered. An automatic controller has been designed which will be
operated as a function of daylight through windows and the lighting
system of the room will function accordingly. The result of the study
of integrating daylight gave quite satisfactory for visual comfort as
well as energy conservation.
Abstract: This paper proposes an effective algorithm approach to hybrid control systems combining fuzzy logic and conventional control techniques of controlling the speed of induction motor assumed to operate in high-performance drives environment. The introducing of fuzzy logic in the control systems helps to achieve good dynamical response, disturbance rejection and low sensibility to parameter variations and external influences. Some fundamentals of the fuzzy logic control are preliminary illustrated. The developed control algorithm is robust, efficient and simple. It also assures precise trajectory tracking with the prescribed dynamics. Experimental results have shown excellent tracking performance of the proposed control system, and have convincingly demonstrated the validity and the usefulness of the hybrid fuzzy controller in high-performance drives with parameter and load uncertainties. Satisfactory performance was observed for most reference tracks.
Abstract: Discrete choice model is the most used methodology for studying traveler-s mode choice and demand. However, to calibrate the discrete choice model needs to have plenty of questionnaire survey. In this study, an aggregative model is proposed. The historical data of passenger volumes for high speed rail and domestic civil aviation are employed to calibrate and validate the model. In this study, different models are compared so as to propose the best one. From the results, systematic equations forecast better than single equation do. Models with the external variable, which is oil price, are better than models based on closed system assumption.
Abstract: In this paper delamination phenomenon in
Carbon-Epoxy laminated composite material is investigated
numerically. Arcan apparatus and specimen is modeled in ABAQUS
finite element software for different loading conditions and crack
geometries. The influence of variation of crack geometry on
interlaminar fracture stress intensity factor and energy release rate for
various mixed mode ratios and pure mode I and II was studied. Also,
correction factors for this specimen for different crack length ratios
were calculated. The finite element results indicate that for loading
angles close to pure mode-II loading, a high ratio of mode-II to
mode-I fracture is dominant and there is an opposite trend for loading
angles close to pure mode-I loading. It confirms that by varying the
loading angle of Arcan specimen pure mode-I, pure mode-II and a
wide range of mixed-mode loading conditions can be created and
tested. Also, numerical results confirm that the increase of the mode-
II loading contribution leads to an increase of fracture resistance in
the CF/PEI composite (i.e., a reduction in the total strain energy
release rate) and the increase of the crack length leads to a reduction
of interlaminar fracture resistance in the CF/PEI composite (i.e., an
increase in the total interlaminar strain energy release rate).
Abstract: An implant elicits a biological response in the
surrounding tissue which determines the acceptance and long-term
function of the implant. Dental implants have become one of the
main therapy methods in clinic after teeth lose. A successful implant
is in contact with bone and soft tissue represent by fibroblasts. In our
study we focused on the interaction between six different chemically
and physically modified titanium implants (Tis-MALP, Tis-O, Tis-
OA, Tis-OPAAE, Tis-OZ, Tis-OPAE) with alveolar fibroblasts as
well as with five type of microorganisms (S. epidermis, S.mutans, S.
gordonii, S. intermedius, C.albicans). The analysis of microorganism
adhesion was determined by CFU (colony forming unite) and biofilm
formation. The presence of α3β1 and vinculin expression on alveolar
fibroblasts was demonstrated using phospho specific cell based
ELISA (PACE). Alveolar fibroblasts have the highest expression of
these proteins on Tis-OPAAE and Tis-OPAE. It corresponds with
results from bacterial adhesion and biofilm formation and it was
related to the lowest production of collagen I by alveolar fibroblasts
on Tis-OPAAE titanium disc.
Abstract: This paper proposes a hybrid method for eyes localization
in facial images. The novelty is in combining techniques
that utilise colour, edge and illumination cues to improve accuracy.
The method is based on the observation that eye regions have dark
colour, high density of edges and low illumination as compared
to other parts of face. The first step in the method is to extract
connected regions from facial images using colour, edge density and
illumination cues separately. Some of the regions are then removed
by applying rules that are based on the general geometry and shape
of eyes. The remaining connected regions obtained through these
three cues are then combined in a systematic way to enhance the
identification of the candidate regions for the eyes. The geometry
and shape based rules are then applied again to further remove the
false eye regions. The proposed method was tested using images from
the PICS facial images database. The proposed method has 93.7%
and 87% accuracies for initial blobs extraction and final eye detection
respectively.
Abstract: Sociological models (e.g., social network analysis, small-group dynamic and gang models) have historically been used to predict the behavior of terrorist groups. However, they may not be the most appropriate method for understanding the behavior of terrorist organizations because the models were not initially intended to incorporate violent behavior of its subjects. Rather, models that incorporate life and death competition between subjects, i.e., models utilized by scientists to examine the behavior of wildlife populations, may provide a more accurate analysis. This paper suggests the use of biological models to attain a more robust method for understanding the behavior of terrorist organizations as compared to traditional methods. This study also describes how a biological population model incorporating predator-prey behavior factors can predict terrorist organizational recruitment behavior for the purpose of understanding the factors that govern the growth and decline of terrorist organizations. The Lotka-Volterra, a biological model that is based on a predator-prey relationship, is applied to a highly suggestive case study, that of the Irish Republican Army. This case study illuminates how a biological model can be utilized to understand the actions of a terrorist organization.
Abstract: The objective of the present study was to determine
the effect of different concentration of spermatozoa and length of
storage in 5 0C on sperm motility. Semen was collected using
artificial vagina from goat aged 2 to 2.5 years. Fresh goat semen
with sperm motility ≥ 70% was used as material. Semen was
divided into 4 treatments of concentration (40 x 10 6 / ml, 50 x
106/ml, 60x106/ml, 70x106/ml) with length of storage 0,12,24,36 h. in
5 0C. There were interactions (P
Abstract: Addition of milli or micro sized particles to the heat
transfer fluid is one of the many techniques employed for improving
heat transfer rate. Though this looks simple, this method has
practical problems such as high pressure loss, clogging and erosion
of the material of construction. These problems can be overcome by
using nanofluids, which is a dispersion of nanosized particles in a
base fluid. Nanoparticles increase the thermal conductivity of the
base fluid manifold which in turn increases the heat transfer rate.
Nanoparticles also increase the viscosity of the basefluid resulting in
higher pressure drop for the nanofluid compared to the base fluid. So
it is imperative that the Reynolds number (Re) and the volume
fraction have to be optimum for better thermal hydraulic
effectiveness. In this work, the heat transfer enhancement using
aluminium oxide nanofluid using low and high volume fraction
nanofluids in turbulent pipe flow with constant wall temperature has
been studied by computational fluid dynamic modeling of the
nanofluid flow adopting the single phase approach. Nanofluid, up till
a volume fraction of 1% is found to be an effective heat transfer
enhancement technique. The Nusselt number (Nu) and friction factor
predictions for the low volume fractions (i.e. 0.02%, 0.1 and 0.5%)
agree very well with the experimental values of Sundar and Sharma
(2010). While, predictions for the high volume fraction nanofluids
(i.e. 1%, 4% and 6%) are found to have reasonable agreement with
both experimental and numerical results available in the literature.
So the computationally inexpensive single phase approach can be
used for heat transfer and pressure drop prediction of new nanofluids.
Abstract: In comparison to the original SVM, which involves a
quadratic programming task; LS–SVM simplifies the required
computation, but unfortunately the sparseness of standard SVM is
lost. Another problem is that LS-SVM is only optimal if the training
samples are corrupted by Gaussian noise. In Least Squares SVM
(LS–SVM), the nonlinear solution is obtained, by first mapping the
input vector to a high dimensional kernel space in a nonlinear
fashion, where the solution is calculated from a linear equation set. In
this paper a geometric view of the kernel space is introduced, which
enables us to develop a new formulation to achieve a sparse and
robust estimate.
Abstract: Prickly pear juice has received renewed attention with regard to the effects of processing and preservation on its sensory qualities (colour, taste, flavour, aroma, astringency, visual browning and overall acceptability). Juice was prepared by homogenizing fruit and treating the pulp with pectinase (Aspergillus niger). Juice treatments applied were sugar addition, acidification, heat-treatment, refrigeration, and freezing and thawing. Prickly pear pulp and juice had unique properties (low pH 3.88, soluble solids 3.68 oBrix and high titratable acidity 0.47). Sensory profiling and descriptive analyses revealed that non-treated juice had a bitter taste with high astringency whereas treated prickly pear was significantly sweeter. All treated juices had a good sensory acceptance with values approximating or exceeding 7. Regression analysis of the consumer sensory attributes for non-treated prickly pear juice indicated an overwhelming rejection, while treated prickly pear juice received overall acceptability. Thus, educed favourable sensory responses and may have positive implications for consumer acceptability.