Outsourcing Opportunities for Internet Banking Solutions

The main goal of the article is to present new model of application architecture of banking IT solution providing the Internet Banking services that is particularly outsourced. At first, we propose business rationale and a SWOT analysis to explain the reasons for the model in the article. The most important factor for our model is nowadays- big boom around smart phones and tablet devices. As next, we focus on IT architecture viewpoint where we design application, integration and security model. Finally, we propose a generic governance model that serves as a basis for the specialized governance model. The specialized instance of governance model is designed to ensure that the development and the maintenance of different parts of the IT solution are well governed in time.

A Quantitative Tool for Analyze Process Design

Some quality control tools use non metric subjective information coming from experts, who qualify the intensity of relations existing inside processes, but without quantifying them. In this paper we have developed a quality control analytic tool, measuring the impact or strength of the relationship between process operations and product characteristics. The tool includes two models: a qualitative model, allowing relationships description and analysis; and a formal quantitative model, by means of which relationship quantification is achieved. In the first one, concepts from the Graphs Theory were applied to identify those process elements which can be sources of variation, that is, those quality characteristics or operations that have some sort of prelacy over the others and that should become control items. Also the most dependent elements can be identified, that is those elements receiving the effects of elements identified as variation sources. If controls are focused in those dependent elements, efficiency of control is compromised by the fact that we are controlling effects, not causes. The second model applied adapts the multivariate statistical technique of Covariance Structural Analysis. This approach allowed us to quantify the relationships. The computer package LISREL was used to obtain statistics and to validate the model.

Investigation of Drying Kinetics of Viscose Yarn Bobbins

This study is concerned with the investigation of the suitability of several empirical and semi-empirical drying models available in the literature to define drying behavior of viscose yarn bobbins. For this purpose, firstly, experimental drying behaviour of viscose bobbins was determined on an experimental dryer setup which was designed and manufactured based on hot-air bobbin dryers used in textile industry. Afterwards, drying models considered were fitted to the experimentally obtained moisture ratios. Drying parameters were drying temperature and bobbin diameter. The fit was performed by selecting the values for constants in the models in such a way that these values make the sum of the squared differences between the experimental and the model results for moisture ratio minimum. Suitability of fitting was specified as comparing the correlation coefficient, standard error and mean square deviation. The results show that the most appropriate model in describing the drying curves of viscose bobbins is the Page model.

Effect of Miniature Cracks on the Fracture Strength and Strain of Tensile Armour Wires

Tensile armour wires provide a flexible pipe's resistance to longitudinal stresses. Flexible pipe manufacturers need to know the effect of defects such as scratches and cracks, with dimensions less than 0.2mm which is the limit of the current nondestructive detection technology, on the fracture stress and fracture strain of the wire for quality assurance purposes. Recent research involving the determination of the fracture strength of cracked wires employed laboratory testing and classical fracture mechanics approach using non-standardised fracture mechanics specimens because standard test specimens could not be manufactured from the wires owing to their sizes. In this work, the effect of miniature cracks on the fracture properties of tensile armour wires was investigated using laboratory and finite element tensile testing simulations with the phenomenological shear fracture model. The investigation revealed that the presence of cracks shallower than 0.2mm is worse on the fracture strain of the wire.

Kinetics Studies on Biological Treatment of Tannery Wastewater Using Mixed Culture

In this study, aerobic digestion of tannery industry wastewater was carried out using mixed culture obtained from common effluent treatment plant treating tannery wastewater. The effect of pH, temperature, inoculum concentration, agitation speed and initial substrate concentration on the reduction of organic matters were found. The optimum conditions for COD reduction was found to be pH - 7 (60%), temperature - 30ÔùªC (61%), inoculum concentration - 2% (61%), agitation speed - 150rpm (65%) and initial substrate concentration - 1560 mg COD/L (74%). Kinetics studies were carried by using Monod model, First order, Diffusional model and Singh model. From the results it was found that the Monod model suits well for the degradation of tannery wastewater using mixed microbial consortium.

Impact of Government Spending on Private Consumption and on the Economy: Case of Thailand

The recent global financial problem urges government to play role in stimulating the economy due to the fact that private sector has little ability to purchase during the recession. A concerned question is whether the increased government spending crowds out private consumption and whether it helps stimulate the economy. If the government spending policy is effective; the private consumption is expected to increase and can compensate the recent extra government expense. In this study, the government spending is categorized into government consumption spending and government capital spending. The study firstly examines consumer consumption along the line with the demand function in microeconomic theory. Three categories of private consumption are used in the study. Those are food consumption, non food consumption, and services consumption. The dynamic Almost Ideal Demand System of the three categories of the private consumption is estimated using the Vector Error Correction Mechanism model. The estimated model indicates the substituting effects (negative impacts) of the government consumption spending on budget shares of private non food consumption and of the government capital spending on budget share of private food consumption, respectively. Nevertheless the result does not necessarily indicate whether the negative effects of changes in the budget shares of the non food and the food consumption means fallen total private consumption. Microeconomic consumer demand analysis clearly indicates changes in component structure of aggregate expenditure in the economy as a result of the government spending policy. The macroeconomic concept of aggregate demand comprising consumption, investment, government spending (the government consumption spending and the government capital spending), export, and import are used to estimate for their relationship using the Vector Error Correction Mechanism model. The macroeconomic study found no effect of the government capital spending on either the private consumption or the growth of GDP while the government consumption spending has negative effect on the growth of GDP. Therefore no crowding out effect of the government spending is found on the private consumption but it is ineffective and even inefficient expenditure as found reducing growth of the GDP in the context of Thailand.

Defluoridation of Water by Schwertmannite

In the present study Schwertmannite (an iron oxide hydroxide) is selected as an adsorbent for defluoridation of water. The adsorbent was prepared by wet chemical process and was characterized by SEM, XRD and BET. The fluoride adsorption efficiency of the prepared adsorbent was determined with respect to contact time, initial fluoride concentration, adsorbent dose and pH of the solution. The batch adsorption data revealed that the fluoride adsorption efficiency was highly influenced by the studied factors. Equilibrium was attained within one hour of contact time indicating fast kinetics and the adsorption data followed pseudo second order kinetic model. Equilibrium isotherm data fitted to both Langmuir and Freundlich isotherm models for a concentration range of 5-30 mg/L. The adsorption system followed Langmuir isotherm model with maximum adsorption capacity of 11.3 mg/g. The high adsorption capacity of Schwertmannite points towards the potential of this adsorbent for fluoride removal from aqueous medium.

Application of Smooth Ergodic Hidden Markov Model in Text to Speech Systems

In developing a text-to-speech system, it is well known that the accuracy of information extracted from a text is crucial to produce high quality synthesized speech. In this paper, a new scheme for converting text into its equivalent phonetic spelling is introduced and developed. This method is applicable to many applications in text to speech converting systems and has many advantages over other methods. The proposed method can also complement the other methods with a purpose of improving their performance. The proposed method is a probabilistic model and is based on Smooth Ergodic Hidden Markov Model. This model can be considered as an extension to HMM. The proposed method is applied to Persian language and its accuracy in converting text to speech phonetics is evaluated using simulations.

Application of Neural Networks for 24-Hour-Ahead Load Forecasting

One of the most important requirements for the operation and planning activities of an electrical utility is the prediction of load for the next hour to several days out, known as short term load forecasting. This paper presents the development of an artificial neural network based short-term load forecasting model. The model can forecast daily load profiles with a load time of one day for next 24 hours. In this method can divide days of year with using average temperature. Groups make according linearity rate of curve. Ultimate forecast for each group obtain with considering weekday and weekend. This paper investigates effects of temperature and humidity on consuming curve. For forecasting load curve of holidays at first forecast pick and valley and then the neural network forecast is re-shaped with the new data. The ANN-based load models are trained using hourly historical. Load data and daily historical max/min temperature and humidity data. The results of testing the system on data from Yazd utility are reported.

Flow and Heat Transfer Mechanism Analysis in Outward Convex Asymmetrical Corrugated Tubes

The flow and heat transfer mechanism in convex corrugated tubes have been investigated through numerical simulations in this paper. Two kinds of tube types named as symmetric corrugated tube (SCT) and asymmetric corrugated tube (ACT) are modeled and studied numerically based on the RST model. The predictive capability of RST model is examined in the corrugation wall in order to check the reliability of RST model under the corrugation wall condition. We propose a comparison between the RST modelling the corrugation wall with existing direct numerical simulation of Maaß C and Schumann U [14]. The numerical results pressure coefficient at different profiles between RST and DNS are well matched. The influences of large corrugation tough radii to heat transfer and flow characteristic had been considered. Flow and heat transfer comparison between SCT and ACT had been discussed. The numerical results show that ACT exhibits higher overall heat transfer performance than SCT.

Finite Element Modeling of Rotating Mixing of Toothpaste

The objective of this research is to examine the shear thinning behaviour of mixing flow of non-Newtonian fluid like toothpaste in the dissolution container with rotating stirrer. The problem under investigation is related to the chemical industry. Mixing of fluid is performed in a cylindrical container with rotating stirrer, where stirrer is eccentrically placed on the lid of the container. For the simulation purpose the associated motion of the fluid is considered as revolving of the container, with stick stirrer. For numerical prediction, a time-stepping finite element algorithm in a cylindrical polar coordinate system is adopted based on semi-implicit Taylor-Galerkin/pressure-correction scheme. Numerical solutions are obtained for non-Newtonian fluids employing power law model. Variations with power law index have been analysed, with respect to the flow structure and pressure drop.

Burstiness Reduction of a Doubly Stochastic AR-Modeled Uniform Activity VBR Video

Stochastic modeling of network traffic is an area of significant research activity for current and future broadband communication networks. Multimedia traffic is statistically characterized by a bursty variable bit rate (VBR) profile. In this paper, we develop an improved model for uniform activity level video sources in ATM using a doubly stochastic autoregressive model driven by an underlying spatial point process. We then examine a number of burstiness metrics such as the peak-to-average ratio (PAR), the temporal autocovariance function (ACF) and the traffic measurements histogram. We found that the former measure is most suitable for capturing the burstiness of single scene video traffic. In the last phase of this work, we analyse statistical multiplexing of several constant scene video sources. This proved, expectedly, to be advantageous with respect to reducing the burstiness of the traffic, as long as the sources are statistically independent. We observed that the burstiness was rapidly diminishing, with the largest gain occuring when only around 5 sources are multiplexed. The novel model used in this paper for characterizing uniform activity video was thus found to be an accurate model.

Determinants of Students- Intentions to Use a Mobile Messaging Service in Educational Institutions: a Theoretical Model

Mobile marketing through mobile messaging service has highly impressive growth as it enables e-business firms to communicate with their customers effectively. Educational institutions hence start using this service to enhance communication with their students. Previous studies, however, have limited understanding of applying mobile messaging service in education. This study proposes a theoretical model to understand the drivers of students- intentions to use the university-s mobile messaging service. The model indicates that social influence, perceived control and attitudes affect students- intention to use the university-s mobile messaging service. It also provides five antecedents of students- attitudes–perceived utility (information utility, entertainment utility, and social utility), innovativeness, information seeking, transaction specificity (content specificity, sender specificity, and time specificity) and privacy concern. The proposed model enables universities to understand what students concern about the use of a mobile messaging service in universities and handle the service more effectively. The paper discusses the model development and concludes with limitations and implications of the proposed model.

Software Development Processes Maturity versus Software Processes and Products Measurement

Unsatisfactory effectiveness of software systems development and enhancement projects is one of the main reasons why in software engineering there are attempts being made to use experiences coming from other engineering disciplines. In spite of specificity of software product and process a belief had come out that the execution of software could be more effective if these objects were subject to measurement – as it is true in other engineering disciplines for which measurement is an immanent feature. Thus objective and reliable approaches to the measurement of software processes and products have been sought in software engineering for several dozens of years already. This may be proved, among others, by the current version of CMMI for Development model. This paper is aimed at analyzing the approach to the software processes and products measurement proposed in the latest version of this very model, indicating growing acceptance for this issue in software engineering.

SVM-Based Detection of SAR Images in Partially Developed Speckle Noise

Support Vector Machine (SVM) is a statistical learning tool that was initially developed by Vapnik in 1979 and later developed to a more complex concept of structural risk minimization (SRM). SVM is playing an increasing role in applications to detection problems in various engineering problems, notably in statistical signal processing, pattern recognition, image analysis, and communication systems. In this paper, SVM was applied to the detection of SAR (synthetic aperture radar) images in the presence of partially developed speckle noise. The simulation was done for single look and multi-look speckle models to give a complete overlook and insight to the new proposed model of the SVM-based detector. The structure of the SVM was derived and applied to real SAR images and its performance in terms of the mean square error (MSE) metric was calculated. We showed that the SVM-detected SAR images have a very low MSE and are of good quality. The quality of the processed speckled images improved for the multi-look model. Furthermore, the contrast of the SVM detected images was higher than that of the original non-noisy images, indicating that the SVM approach increased the distance between the pixel reflectivity levels (the detection hypotheses) in the original images.

Forecasting Tala-AUD and Tala-USD Exchange Rates with ANN

The focus of this paper is to construct daily time series exchange rate forecast models of Samoan Tala/USD and Tala/AUD during the year 2008 to 2012 with neural network The performance of the models was measured by using varies error functions such as Root Square mean error (RSME), Mean absolute error (MAE), and Mean absolute percentage error (MAPE). Our empirical findings suggest that AR (1) model is an effective tool to forecast the Tala/USD and Tala/AUD.

The Research Approaches on Crisis and its Management

The paper structures research approaches to the crisis and its management. It focuses on approaches – psychological, sociological, economic, ethical and technological. Furthermore, it describes the basic features of models chosen according to those approaches. By their comparison it shows how the crisis influences organizations and individuals, and their mutual interaction.

The Role of Object Oriented Simulation F Modeling in Maintenance Processes

Object-oriented simulation is considered one of the most sophisticated techniques that has been widely used in planning, designing, executing and maintaining construction projects. This technique enables the modeler to focus on objects which is extremely important for thorough understanding of a system. Thus, identifying an object is an essential point of building a successful simulation model. In a maintenance process an object is a maintenance work order (MWO). This study demonstrates a maintenance simulation model for the building maintenance division of Saudi Consolidated Electric Company (SCECO) in Dammam, Saudi Arabia. The model focused on both types of maintenance processes namely: (1) preventive maintenance (PM) and (2) corrective maintenance (CM). It is apparent from the findings that object-oriented simulation is a good diagnostic and experimental tool. This is because problems, limitations, bottlenecks and so forth are easily identified. These features are very difficult to obtain when using other tools.

Application of RP Technology with Polycarbonate Material for Wind Tunnel Model Fabrication

Traditionally, wind tunnel models are made of metal and are very expensive. In these years, everyone is looking for ways to do more with less. Under the right test conditions, a rapid prototype part could be tested in a wind tunnel. Using rapid prototype manufacturing techniques and materials in this way significantly reduces time and cost of production of wind tunnel models. This study was done of fused deposition modeling (FDM) and their ability to make components for wind tunnel models in a timely and cost effective manner. This paper discusses the application of wind tunnel model configuration constructed using FDM for transonic wind tunnel testing. A study was undertaken comparing a rapid prototyping model constructed of FDM Technologies using polycarbonate to that of a standard machined steel model. Testing covered the Mach range of Mach 0.3 to Mach 0.75 at an angle-ofattack range of - 2° to +12°. Results from this study show relatively good agreement between the two models and rapid prototyping Method reduces time and cost of production of wind tunnel models. It can be concluded from this study that wind tunnel models constructed using rapid prototyping method and materials can be used in wind tunnel testing for initial baseline aerodynamic database development.

Simulation Data Management Approach for Developing Adaptronic Systems – The W-Model Methodology

Existing proceeding-models for the development of mechatronic systems provide a largely parallel action in the detailed development. This parallel approach is to take place also largely independent of one another in the various disciplines involved. An approach for a new proceeding-model provides a further development of existing models to use for the development of Adaptronic Systems. This approach is based on an intermediate integration and an abstract modeling of the adaptronic system. Based on this system-model a simulation of the global system behavior, due to external and internal factors or Forces is developed. For the intermediate integration a special data management system is used. According to the presented approach this data management system has a number of functions that are not part of the "normal" PDM functionality. Therefore a concept for a new data management system for the development of Adaptive system is presented in this paper. This concept divides the functions into six layers. In the first layer a system model is created, which divides the adaptronic system based on its components and the various technical disciplines. Moreover, the parameters and properties of the system are modeled and linked together with the requirements and the system model. The modeled parameters and properties result in a network which is analyzed in the second layer. From this analysis necessary adjustments to individual components for specific manipulation of the system behavior can be determined. The third layer contains an automatic abstract simulation of the system behavior. This simulation is a precursor for network analysis and serves as a filter. By the network analysis and simulation changes to system components are examined and necessary adjustments to other components are calculated. The other layers of the concept treat the automatic calculation of system reliability, the "normal" PDM-functionality and the integration of discipline-specific data into the system model. A prototypical implementation of an appropriate data management with the addition of an automatic system development is being implemented using the data management system ENOVIA SmarTeam V5 and the simulation system MATLAB.