Combating Money Laundering in the Banking Industry: Malaysian Experience

Money laundering has been described by many as the lifeblood of crime and is a major threat to the economic and social well-being of societies. It has been recognized that the banking system has long been the central element of money laundering. This is in part due to the complexity and confidentiality of the banking system itself. It is generally accepted that effective anti-money laundering (AML) measures adopted by banks will make it tougher for criminals to get their "dirty money" into the financial system. In fact, for law enforcement agencies, banks are considered to be an important source of valuable information for the detection of money laundering. However, from the banks- perspective, the main reason for their existence is to make as much profits as possible. Hence their cultural and commercial interests are totally distinct from that of the law enforcement authorities. Undoubtedly, AML laws create a major dilemma for banks as they produce a significant shift in the way banks interact with their customers. Furthermore, the implementation of the laws not only creates significant compliance problems for banks, but also has the potential to adversely affect the operations of banks. As such, it is legitimate to ask whether these laws are effective in preventing money launderers from using banks, or whether they simply put an unreasonable burden on banks and their customers. This paper attempts to address these issues and analyze them against the background of the Malaysian AML laws. It must be said that effective coordination between AML regulator and the banking industry is vital to minimize problems faced by the banks and thereby to ensure effective implementation of the laws in combating money laundering.

A Study of Grounding Grid Characteristics with Conductive Concrete

The purpose of this paper is to improve electromagnetic characteristics on grounding grid by applying the conductive concrete. The conductive concrete in this study is under an extra high voltage (EHV, 345kV) system located in a high-tech industrial park or science park. Instead of surrounding soil of grounding grid, the application of conductive concrete can reduce equipment damage and body damage caused by switching surges. The focus of the two cases on the EHV distribution system in a high-tech industrial park is presented to analyze four soil material styles. By comparing several soil material styles, the study results have shown that the conductive concrete can effectively reduce the negative damages caused by electromagnetic transient. The adoption of the style of grounding grid located 1.0 (m) underground and conductive concrete located from the ground surface to 1.25 (m) underground can obviously improve the electromagnetic characteristics so as to advance protective efficiency.

A Method of Protecting Relational Databases Copyright with Cloud Watermark

With the development of Internet and databases application techniques, the demand that lots of databases in the Internet are permitted to remote query and access for authorized users becomes common, and the problem that how to protect the copyright of relational databases arises. This paper simply introduces the knowledge of cloud model firstly, includes cloud generators and similar cloud. And then combined with the property of the cloud, a method of protecting relational databases copyright with cloud watermark is proposed according to the idea of digital watermark and the property of relational databases. Meanwhile, the corresponding watermark algorithms such as cloud watermark embedding algorithm and detection algorithm are proposed. Then, some experiments are run and the results are analyzed to validate the correctness and feasibility of the watermark scheme. In the end, the foreground of watermarking relational database and its research direction are prospected.

Why Are Entrepreneurs Resistant to E-tools?

Latvia is the fourth in the world by means of broadband internet speed. The total number of internet users in Latvia exceeds 70% of its population. The number of active mailboxes of the local internet e-mail service Inbox.lv accounts for 68% of the population and 97.6% of the total number of internet users. The Latvian portal Draugiem.lv is a phenomenon of social media, because 58.4 % of the population and 83.5% of internet users use it. A majority of Latvian company profiles are available on social networks, the most popular being Twitter.com. These and other parameters prove the fact consumers and companies are actively using the Internet.  However, after the authors in a number of studies analyzed how enterprises are employing the e-environment, namely, e-environment tools, they arrived to the conclusions that are not as flattering as the aforementioned statistics. There is an obvious contradiction between the statistical data and the actual studies. As a result, the authors have posed a question: Why are entrepreneurs resistant to e-tools? In order to answer this question, the authors have addressed the Technology Acceptance Model (TAM). The authors analyzed each phase and determined several factors affecting the use of e-environment, reaching the main conclusion that entrepreneurs do not have a sufficient level of e-literacy (digital literacy).  The authors employ well-established quantitative and qualitative methods of research: grouping, analysis, statistic method, factor analysis in SPSS 20  environment etc.  The theoretical and methodological background of the research is formed by, scientific researches and publications, that from the mass media and professional literature, statistical information from legal institutions as well as information collected by the author during the survey.

Unequal Error Protection of Facial Features for Personal ID Images Coding

This paper presents an approach for an unequal error protection of facial features of personal ID images coding. We consider unequal error protection (UEP) strategies for the efficient progressive transmission of embedded image codes over noisy channels. This new method is based on the progressive image compression embedded zerotree wavelet (EZW) algorithm and UEP technique with defined region of interest (ROI). In this case is ROI equal facial features within personal ID image. ROI technique is important in applications with different parts of importance. In ROI coding, a chosen ROI is encoded with higher quality than the background (BG). Unequal error protection of image is provided by different coding techniques and encoding LL band separately. In our proposed method, image is divided into two parts (ROI, BG) that consist of more important bytes (MIB) and less important bytes (LIB). The proposed unequal error protection of image transmission has shown to be more appropriate to low bit rate applications, producing better quality output for ROI of the compresses image. The experimental results verify effectiveness of the design. The results of our method demonstrate the comparison of the UEP of image transmission with defined ROI with facial features and the equal error protection (EEP) over additive white gaussian noise (AWGN) channel.

Between Policy Options and Technology Applications: Measuring the Sustainable Impacts on Distance Learning

This paper examines the interplay of policy options and cost-effective technology in providing sustainable distance education. A case study has been conducted among the learners and teachers. The emergence of learning technologies through CD, internet, and mobile is increasingly adopted by distance institutes for quick delivery and cost-effective factors. Their sustainability is conditioned by the structure of learners and well as the teaching community. The structure of learners in terms of rural and urban background revealed similarity in adoption and utilization of mobile learning. In other words, the technology transcended the rural-urban dichotomy. The teaching community was divided into two groups on policy issues. This study revealed both cost-effective as well as sustainability impacts on different learners groups divided by rural and urban location.

Multilevel Fuzzy Decision Support Model for China-s Urban Rail Transit Planning Schemes

This paper aims at developing a multilevel fuzzy decision support model for urban rail transit planning schemes in China under the background that China is presently experiencing an unprecedented construction of urban rail transit. In this study, an appropriate model using multilevel fuzzy comprehensive evaluation method is developed. In the decision process, the followings are considered as the influential objectives: traveler attraction, environment protection, project feasibility and operation. In addition, consistent matrix analysis method is used to determine the weights between objectives and the weights between the objectives- sub-indictors, which reduces the work caused by repeated establishment of the decision matrix on the basis of ensuring the consistency of decision matrix. The application results show that multilevel fuzzy decision model can perfectly deal with the multivariable and multilevel decision process, which is particularly useful in the resolution of multilevel decision-making problem of urban rail transit planning schemes.

Improved Torque Control of Electrical Load Simulator with Parameters and State Estimation

ELS is an important ground based hardware in the loop simulator used for aerodynamics torque loading experiments of the actuators under test. This work focuses on improvement of the transient response of torque controller with parameters uncertainty of Electrical Load Simulator (ELS).The parameters of load simulator are estimated online and the model is updated, eliminating the model error and improving the steady state torque tracking response of torque controller. To improve the Transient control performance the gain of robust term of SMC is updated online using fuzzy logic system based on the amount of uncertainty in parameters of load simulator. The states of load simulator which cannot be measured directly are estimated using luenberger observer with update of new estimated parameters. The stability of the control scheme is verified using Lyapunov theorem. The validity of proposed control scheme is verified using simulations.

Study of Tower Grounding Resistance Effected Back Flashover to 500 kV Transmission Line in Thailand by using ATP/EMTP

This study describes analysis of tower grounding resistance effected the back flashover voltage across insulator string in a transmission system. This paper studies the 500 kV transmission lines from Mae Moh, Lampang to Nong Chok, Bangkok, Thailand, which is double circuit in the same steel tower with two overhead ground wires. The factor of this study includes magnitude of lightning stroke, and front time of lightning stroke. Steel tower uses multistory tower model. The assumption of studies based on the return stroke current ranged 1-200 kA, front time of lightning stroke between 1 μs to 3 μs. The simulations study the effect of varying tower grounding resistance that affect the lightning current. Simulation results are analyzed lightning over voltage that causes back flashover at insulator strings. This study helps to know causes of problems of back flashover the transmission line system, and also be as a guideline solving the problem for 500 kV transmission line systems, as well.

Analysis of Gamma-Ray Spectra Using Levenberg-Marquardt Method

Levenberg-Marquardt method (LM) was proposed to be applied as a non-linear least-square fitting in the analysis of a natural gamma-ray spectrum that was taken by the Hp (Ge) detector. The Gaussian function that composed of three components, main Gaussian, a step background function and tailing function in the lowenergy side, has been suggested to describe each of the y-ray lines mathematically in the spectrum. The whole spectrum has been analyzed by determining the energy and relative intensity for the strong y-ray lines.

Quality of Groundwater in the Shallow Aquifers of a Paddy Dominated Agricultural River Basin, Kerala, India

Groundwater is an essential and vital component of our life support system. The groundwater resources are being utilized for drinking, irrigation and industrial purposes. There is growing concern on deterioration of groundwater quality due to geogenic and anthropogenic activities. Groundwater, being a fragile must be carefully managed to maintain its purity within standard limits. So, quality assessment and management are to be carried out hand-in-hand to have a pollution free environment and for a sustainable use. In order to assess the quality for consumption by human beings and for use in agriculture, the groundwater from the shallow aquifers (dug well) in the Palakkad and Chittur taluks of Bharathapuzha river basin - a paddy dominated agricultural basin (order=8th; L= 209 Km; Area = 6186 Km2), Kerala, India, has been selected. The water samples (n= 120) collected for various seasons, viz., monsoon-MON (August, 2005), postmonsoon-POM (December, 2005) and premonsoon-PRM (April, 2006), were analyzed for important physico-chemical attributes. Spatial and temporal variation of attributes do exist in the study area, and based on major cations and anions, different hydrochemical facies have been identified. Using Gibbs'diagram, rock dominance has been identified as the mechanism controlling groundwater chemistry. Further, the suitability of water for irrigation was determined by analyzing salinity hazard indicated by sodium adsorption ratio (SAR), residual sodium carbonate (RSC) and sodium percent (%Na). Finally, stress zones in the study area were delineated using Arc GIS spatial analysis and various management options were recommended to restore the ecosystem.

Risk Assessment of Selected Source for Emergency Water Supply Case Study II

The case study deals with the semi-quantitative risk assessment of water resource earmarked for the emergency supply of population with drinking water. The risk analysis has been based on previously identified hazards/sensitivities of the elements of hydrogeological structure and technological equipment of ground water resource as well as on the assessment of the levels of hazard, sensitivity and criticality of individual resource elements in the form of point indexes. The following potential sources of hazard have been considered: natural disasters caused by atmospheric and geological changes, technological hazards, and environmental burdens. The risk analysis has proved that the assessed risks are acceptable and the water resource may be integrated into a crisis plan of a given region.

An Automatic Pipeline Monitoring System Based on PCA and SVM

This paper proposes a novel system for monitoring the health of underground pipelines. Some of these pipelines transport dangerous contents and any damage incurred might have catastrophic consequences. However, most of these damage are unintentional and usually a result of surrounding construction activities. In order to prevent these potential damages, monitoring systems are indispensable. This paper focuses on acoustically recognizing road cutters since they prelude most construction activities in modern cities. Acoustic recognition can be easily achieved by installing a distributed computing sensor network along the pipelines and using smart sensors to “listen" for potential threat; if there is a real threat, raise some form of alarm. For efficient pipeline monitoring, a novel monitoring approach is proposed. Principal Component Analysis (PCA) was studied and applied. Eigenvalues were regarded as the special signature that could characterize a sound sample, and were thus used for the feature vector for sound recognition. The denoising ability of PCA could make it robust to noise interference. One class SVM was used for classifier. On-site experiment results show that the proposed PCA and SVM based acoustic recognition system will be very effective with a low tendency for raising false alarms.

From I.A Richards to Web 3.0: Preparing Our Students for Tomorrow's World

This paper offers suggestions for educators at all levels about how to better prepare our students for the future, by building on the past. The discussion begins with a summary of changes in the World Wide Web, especially as the term Web 3.0 is being heard. The bulk of the discussion is retrospective and concerned with an overview of traditional teaching and research approaches as they evolved during the 20th century beginning with those grounded in the Cartesian reality of IA Richards- (1929) Practical Criticism. The paper concludes with a proposal of five strategies which incorporate timeless elements from the past as well as cutting-edge elements from today, in order to better prepare our students for the future.

The Using of Mixing Amines in an Industrial Gas Sweetening Plant

Natural gas is defined as gas obtained from a natural underground reservoir. It generally contains a large quantity of methane along with heavier hydrocarbons such as ethane, propane, isobutene, normal butane; also in the raw state it often contains a considerable amount of non hydrocarbons, such as nitrogen and the acid gases (carbon dioxide and hydrogen sulfide). The acid gases must be removed from natural gas before use. One of the processes witch are use in the industry to remove the acid gases from natural gas is the use of alkanolamine process. In this present paper, a simulation study for an industrial gas sweetening plant has been investigated. The aim of the study is to investigate the effect of using mixing amines as solvent on the gas treatment process using the software Hysys.

Probabilistic Characteristics of older PR Frames in the Mid-America Earthquake Region

Probabilistic characteristics of seismic responses of the Partially Restrained connection rotation (PRCR) and panel zone deformation (PZD) installed in older steel moment frames were investigated in accordance with statistical inference in decision-making process. The 4, 6 and 8 story older steel moment frames with clip angle and T-stub connections were designed and analyzed using 2%/50yrs ground motions in four cities of the Mid-America earthquake region. The probability density function and cumulative distribution function of PRCR and PZD were determined by the goodness-of-fit tests based on probabilistic parameters measured from the results of the nonlinear time-history analyses. The obtained probabilistic parameters and distributions can be used to find out what performance level mainly PR connections and panel zones satisfy and how many PR connections and panel zones experience a serious damage under the Mid-America ground motions.

Optimization of Transmitter Aperture by Genetic Algorithm in Optical Satellite

To establish optical communication between any two satellites, the transmitter satellite must track the beacon of the receiver satellite and point the information optical beam in its direction. Optical tracking and pointing systems for free space suffer during tracking from high-amplitude vibration because of background radiation from interstellar objects such as the Sun, Moon, Earth, and stars in the tracking field of view or the mechanical impact from satellite internal and external sources. The vibrations of beam pointing increase the bit error rate and jam communication between the two satellites. One way to overcome this problem is the use of very small transmitter beam divergence angles of too narrow divergence angle is that the transmitter beam may sometimes miss the receiver satellite, due to pointing vibrations. In this paper we propose the use of genetic algorithm to optimize the BER as function of transmitter optics aperture.

Currency Boards in Crisis: Experience of Baltic Countries

The European countries that during the past two decades based their exchange rate regimes on currency board arrangement (CBA) are usually analysed from the perspective of corner solution choice’s stabilisation effects. There is an open discussion on the positive and negative background of a strict exchange rate regime choice, although it should be seen as part of the transition process towards the monetary union membership. The focus of the paper is on the Baltic countries that after two decades of a rigid exchange rate arrangement and strongly influenced by global crisis are finishing their path towards the euro zone. Besides the stabilising capacity, the CBA is highly vulnerable regime, with limited developing potential. The rigidity of the exchange rate (and monetary) system, despite the ensured credibility, do not leave enough (or any) space for the adjustment and/or active crisis management. Still, the Baltics are in a process of recovery, with fiscal consolidation measures combined with (painful and politically unpopular) measures of internal devaluation. Today, two of them (Estonia and Latvia) are members of euro zone, fulfilling their ultimate transition targets, but de facto exchanging one fixed regime with another. The paper analyses the challenges for the CBA in unstable environment since the fixed regimes rely on imported stability and are sensitive to external shocks. With limited monetary instruments, these countries were oriented to the fiscal policies and used a combination of internal devaluation and tax policy measures. Despite their rather quick recovery, our second goal is to analyse the long term influence that the measures had on the national economy.

Optimal Controllers with Actuator Saturation for Nonlinear Structures

Since the actuator capacity is limited, in the real application of active control systems under sever earthquakes it is conceivable that the actuators saturate, hence the actuator saturation should be considered as a constraint in design of optimal controllers. In this paper optimal design of active controllers for nonlinear structures by considering actuator saturation, has been studied. The proposed method for designing optimal controllers is based on defining an optimization problem which the objective has been to minimize the maximum displacement of structure when a limited capacity for actuator has been used. To this end a single degree of freedom (SDF) structure with a bilinear hysteretic behavior has been simulated under a white noise ground acceleration of different amplitudes. Active tendon control mechanism, comprised of prestressed tendons and an actuator, and extended nonlinear Newmark method based instantaneous optimal control algorithm have been used. To achieve the best results, the weights corresponding to displacement, velocity, acceleration and control force in the performance index have been optimized by the Distributed Genetic Algorithm (DGA). Results show the effectiveness of the proposed method in considering actuator saturation. Also based on the numerical simulations it can be concluded that the actuator capacity and the average value of required control force are two important factors in designing nonlinear controllers which consider the actuator saturation.

Image Clustering Framework for BAVM Segmentation in 3DRA Images: Performance Analysis

Brain ArterioVenous Malformation (BAVM) is an abnormal tangle of brain blood vessels where arteries shunt directly into veins with no intervening capillary bed which causes high pressure and hemorrhage risk. The success of treatment by embolization in interventional neuroradiology is highly dependent on the accuracy of the vessels visualization. In this paper the performance of clustering techniques on vessel segmentation from 3- D rotational angiography (3DRA) images is investigated and a new technique of segmentation is proposed. This method consists in: preprocessing step of image enhancement, then K-Means (KM), Fuzzy C-Means (FCM) and Expectation Maximization (EM) clustering are used to separate vessel pixels from background and artery pixels from vein pixels when possible. A post processing step of removing false-alarm components is applied before constructing a three-dimensional volume of the vessels. The proposed method was tested on six datasets along with a medical assessment of an expert. Obtained results showed encouraging segmentations.