What Have Banks Done Wrong?

This paper aims to provide a conceptual framework to examine competitive disadvantage of banks that suffer from poor performance. Banks generate revenues mainly from the interest rate spread on taking deposits and making loans while collecting fees in the process. To maximize firm value, banks seek loan growth and expense control while managing risk associated with loans with respect to non-performing borrowers or narrowing interest spread between assets and liabilities. Competitive disadvantage refers to the failure to access imitable resources and to build managing capabilities to gain sustainable return given appropriate risk management. This paper proposes a four-quadrant framework of organizational typology is subsequently proposed to examine the features of competitive disadvantage in the banking sector. A resource configuration model, which is extracted from CAMEL indicators to examine the underlying features of bank failures.

Numerical Simulation of Deoilin Hydrocyclones

In this research the separation efficiency of deoiling hydrocyclone is evaluated using three-dimensional simulation of multiphase flow based on Eulerian-Eulerian finite volume method. The mixture approach of Reynolds Stress Model is also employed to capture the features of turbulent multiphase swirling flow. The obtained separation efficiency of Colman's design is compared with available experimental data and showed that the separation curve of deoiling hydrocyclones can be predicted using numerical simulation.

Design and Construction of Microcontroller-Based Telephone Exchange System

This paper demonstrates design and construction of microcontroller-based telephone exchange system and the aims of this paper is to study telecommunication, connection with PIC16F877A and DTMF MT8870D. In microcontroller system, PIC 16F877 microcontroller is used to control the call processing. Dial tone, busy tone and ring tone are provided during call progress. Instead of using ready made tone generator IC, oscillator based tone generator is used. The results of this telephone exchange system are perfect for homes and small businesses needing the extensions. It requires the phone operation control system, the analog interface circuit and the switching circuit. This exchange design will contain eight channels. It is the best low cost, good quality telephone exchange for today-s telecommunication needs. It offers the features available in much more expensive PBX units without using high-priced phones. It is for long distance telephone services.

Analysis on Fun Elements of the SNG in ANIPANG

This study analyzes on the Social Network Game (SNG), ANIPANG, in order to discover its unique fun elements, so that suggest new methodologies for development of SNGs. ANIPANG is the most popular SNG in the South Korea on 2012. Recently, the game industry is paying close attention to mobile-based SNGs due to the rapid prevalence of smart-phones and social network services. However, SNGs are not online games simply. Although the fun of most online games is the victory through competition with other players or the game system, the fun of SNG is the communication through the collaboration with other players. Thus, features of users and environments of game should be considered for the game industry and for the fun of SNG to users.

The CEO Mission II, Rescue Robot with Multi-Joint Mechanical Arm

This paper presents design features of a rescue robot, named CEO Mission II. Its body is designed to be the track wheel type with double front flippers for climbing over the collapse and the rough terrain. With 125 cm. long, 5-joint mechanical arm installed on the robot body, it is deployed not only for surveillance from the top view but also easier and faster access to the victims to get their vital signs. Two cameras and sensors for searching vital signs are set up at the tip of the multi-joint mechanical arm. The third camera is at the back of the robot for driving control. Hardware and software of the system, which controls and monitors the rescue robot, are explained. The control system is used for controlling the robot locomotion, the 5-joint mechanical arm, and for turning on/off devices. The monitoring system gathers all information from 7 distance sensors, IR temperature sensors, 3 CCD cameras, voice sensor, robot wheels encoders, yawn/pitch/roll angle sensors, laser range finder and 8 spare A/D inputs. All sensors and controlling data are communicated with a remote control station via IEEE 802.11b Wi-Fi. The audio and video data are compressed and sent via another IEEE 802.11g Wi-Fi transmitter for getting real-time response. At remote control station site, the robot locomotion and the mechanical arm are controlled by joystick. Moreover, the user-friendly GUI control program is developed based on the clicking and dragging method to easily control the movement of the arm. Robot traveling map is plotted from computing the information of wheel encoders and the yawn/pitch data. 2D Obstacle map is plotted from data of the laser range finder. The concept and design of this robot can be adapted to suit many other applications. As the Best Technique awardee from Thailand Rescue Robot Championship 2006, all testing results are satisfied.

Harmonic Parameters with HHT and Wavelet Transform for Automatic Sleep Stages Scoring

Previously, harmonic parameters (HPs) have been selected as features extracted from EEG signals for automatic sleep scoring. However, in previous studies, only one HP parameter was used, which were directly extracted from the whole epoch of EEG signal. In this study, two different transformations were applied to extract HPs from EEG signals: Hilbert-Huang transform (HHT) and wavelet transform (WT). EEG signals are decomposed by the two transformations; and features were extracted from different components. Twelve parameters (four sets of HPs) were extracted. Some of the parameters are highly diverse among different stages. Afterward, HPs from two transformations were used to building a rough sleep stages scoring model using the classifier SVM. The performance of this model is about 78% using the features obtained by our proposed extractions. Our results suggest that these features may be useful for automatic sleep stages scoring.

Influence of Social-Psychological Training on Selected Features of University Students

We presented results of research aimed on findings influence of social - psychological training (realized with students of Constantine the Philosopher University- future teachers within their undergraduate preparation) on the choice of intrapersonal and interpersonal features. After social- psychological training using Interpersonal Check List (ICL) we found out shift of behavior to more adaptive forms in categories, which are characterized by extroversive friendly behavior, willingness to cooperation, conformity regard to social situation, responsible and regardful behavior. Using State-Trait Anxiety Inventory (STAI) we found out the cut down of state anxiety and of trait anxiety. The report was processed within grants KEGA 3/5269/07 and VEGA 1/3675/06.

Envelope-Wavelet Packet Transform for Machine Condition Monitoring

Wavelet transform has been extensively used in machine fault diagnosis and prognosis owing to its strength to deal with non-stationary signals. The existing Wavelet transform based schemes for fault diagnosis employ wavelet decomposition of the entire vibration frequency which not only involve huge computational overhead in extracting the features but also increases the dimensionality of the feature vector. This increase in the dimensionality has the tendency to 'over-fit' the training data and could mislead the fault diagnostic model. In this paper a novel technique, envelope wavelet packet transform (EWPT) is proposed in which features are extracted based on wavelet packet transform of the filtered envelope signal rather than the overall vibration signal. It not only reduces the computational overhead in terms of reduced number of wavelet decomposition levels and features but also improves the fault detection accuracy. Analytical expressions are provided for the optimal frequency resolution and decomposition level selection in EWPT. Experimental results with both actual and simulated machine fault data demonstrate significant gain in fault detection ability by EWPT at reduced complexity compared to existing techniques.

Conceptual Multidimensional Model

The data is available in abundance in any business organization. It includes the records for finance, maintenance, inventory, progress reports etc. As the time progresses, the data keep on accumulating and the challenge is to extract the information from this data bank. Knowledge discovery from these large and complex databases is the key problem of this era. Data mining and machine learning techniques are needed which can scale to the size of the problems and can be customized to the application of business. For the development of accurate and required information for particular problem, business analyst needs to develop multidimensional models which give the reliable information so that they can take right decision for particular problem. If the multidimensional model does not possess the advance features, the accuracy cannot be expected. The present work involves the development of a Multidimensional data model incorporating advance features. The criterion of computation is based on the data precision and to include slowly change time dimension. The final results are displayed in graphical form.

Implementation of the Personal Emergency Response System

The aged are faced with increasing risk for falls. The aged have the easily fragile bones than others. When falls have occurred, it is important to detect this emergency state because such events often lead to more serious illness or even death. A implementation of PDA system, for detection of emergency situation, was developed using 3-axis accelerometer in this paper as follows. The signals were acquired from the 3-axis accelerometer, and then transmitted to the PDA through Bluetooth module. This system can classify the human activity, and also detect the emergency state like falls. When the fall occurs, the system generates the alarm on the PDA. If a subject does not respond to the alarm, the system determines whether the current situation is an emergency state or not, and then sends some information to the emergency center in the case of urgent situation. Three different studies were conducted on 12 experimental subjects, with results indicating a good accuracy. The first study was performed to detect the posture change of human daily activity. The second study was performed to detect the correct direction of fall. The third study was conducted to check the classification of the daily physical activity. Each test was lasted at least 1 min. in third study. The output of acceleration signal was compared and evaluated by changing a various posture after attaching a 3-axis accelerometer module on the chest. The newly developed system has some important features such as portability, convenience and low cost. One of the main advantages of this system is that it is available at home healthcare environment. Another important feature lies in low cost to manufacture device. The implemented system can detect the fall accurately, so will be widely used in emergency situation.

E-Learning Management Systems General Framework

The recent development in learning technologies leads to emerge many learning management systems (LMS). In this study, we concentrate on the specifications and characteristics of LMSs. Furthermore, this paper emphasizes on the feature of e-learning management systems. The features take on the account main indicators to assist and evaluate the quality of e-learning systems. The proposed indicators based of ten dimensions.

Numerical Investigation of Nozzle Shape Effect on Shock Wave in Natural Gas Processing

Natural gas flow contains undesirable solid particles, liquid condensation, and/or oil droplets and requires reliable removing equipment to perform filtration. Recent natural gas processing applications are demanded compactness and reliability of process equipment. Since conventional means are sophisticated in design, poor in efficiency, and continue lacking robust, a supersonic nozzle has been introduced as an alternative means to meet such demands. A 3-D Convergent-Divergent Nozzle is simulated using commercial Code for pressure ratio (NPR) varies from 1.2 to 2. Six different shapes of nozzle are numerically examined to illustrate the position of shock-wave as such spot could be considered as a benchmark of particle separation. Rectangle, triangle, circular, elliptical, pentagon, and hexagon nozzles are simulated using Fluent Code with all have same cross-sectional area. The simple one-dimensional inviscid theory does not describe the actual features of fluid flow precisely as it ignores the impact of nozzle configuration on the flow properties. CFD Simulation results, however, show that nozzle geometry influences the flow structures including location of shock wave. The CFD analysis predicts shock appearance when p01/pa>1.2 for almost all geometry and locates at the lower area ratio (Ae/At). Simulation results showed that shock wave in Elliptical nozzle has the farthest distance from the throat among the others at relatively small NPR. As NPR increases, hexagon would be the farthest. The numerical result is compared with available experimental data and has shown good agreement in terms of shock location and flow structure.

Speaker Identification Using Admissible Wavelet Packet Based Decomposition

Mel Frequency Cepstral Coefficient (MFCC) features are widely used as acoustic features for speech recognition as well as speaker recognition. In MFCC feature representation, the Mel frequency scale is used to get a high resolution in low frequency region, and a low resolution in high frequency region. This kind of processing is good for obtaining stable phonetic information, but not suitable for speaker features that are located in high frequency regions. The speaker individual information, which is non-uniformly distributed in the high frequencies, is equally important for speaker recognition. Based on this fact we proposed an admissible wavelet packet based filter structure for speaker identification. Multiresolution capabilities of wavelet packet transform are used to derive the new features. The proposed scheme differs from previous wavelet based works, mainly in designing the filter structure. Unlike others, the proposed filter structure does not follow Mel scale. The closed-set speaker identification experiments performed on the TIMIT database shows improved identification performance compared to other commonly used Mel scale based filter structures using wavelets.

Genetic Algorithm for Feature Subset Selection with Exploitation of Feature Correlations from Continuous Wavelet Transform: a real-case Application

A genetic algorithm (GA) based feature subset selection algorithm is proposed in which the correlation structure of the features is exploited. The subset of features is validated according to the classification performance. Features derived from the continuous wavelet transform are potentially strongly correlated. GA-s that do not take the correlation structure of features into account are inefficient. The proposed algorithm forms clusters of correlated features and searches for a good candidate set of clusters. Secondly a search within the clusters is performed. Different simulations of the algorithm on a real-case data set with strong correlations between features show the increased classification performance. Comparison is performed with a standard GA without use of the correlation structure.

Improving Protein-Protein Interaction Prediction by Using Encoding Strategies and Random Indices

A New features are extracted and compared to improve the prediction of protein-protein interactions. The basic idea is to select and use the best set of features from the Tensor matrices that are produced by the frequency vectors of the protein sequences. Three set of features are compared, the first set is based on the indices that are the most common in the interacting proteins, the second set is based on the indices that tend to be common in the interacting and non-interacting proteins, and the third set is constructed by using random indices. Moreover, three encoding strategies are compared; that are based on the amino asides polarity, structure, and chemical properties. The experimental results indicate that the highest accuracy can be obtained by using random indices with chemical properties encoding strategy and support vector machine.

Intelligent Design of Reconfigurable Machines

This paper presents methodologies for developing an intelligent CAD system assisting in analysis and design of reconfigurable special machines. It describes a procedure for determining feasibility of utilizing these machines for a given part and presents a model for developing an intelligent CAD system. The system analyzes geometrical and topological information of the given part to determine possibility of the part being produced by reconfigurable special machines from a technical point of view. Also feasibility of the process from a economical point of view is analyzed. Then the system determines proper positioning of the part considering details of machining features and operations needed. This involves determination of operation types, cutting tools and the number of working stations needed. Upon completion of this stage the overall layout of the machine and machining equipment required are determined.

Characteristics of Intronic and Intergenic Human miRNAs and Features of their Interaction with mRNA

Regulatory relationships of 686 intronic miRNA and 784 intergenic miRNAs with mRNAs of 51 intronic miRNA coding genes were established. Interaction features of studied miRNAs with 5'UTR, CDS and 3'UTR of mRNA of each gene were revealed. Functional regions of mRNA were shown to be significantly heterogenous according to the number of binding sites of miRNA and to the location density of these sites.

Virulent-GO: Prediction of Virulent Proteins in Bacterial Pathogens Utilizing Gene Ontology Terms

Prediction of bacterial virulent protein sequences can give assistance to identification and characterization of novel virulence-associated factors and discover drug/vaccine targets against proteins indispensable to pathogenicity. Gene Ontology (GO) annotation which describes functions of genes and gene products as a controlled vocabulary of terms has been shown effectively for a variety of tasks such as gene expression study, GO annotation prediction, protein subcellular localization, etc. In this study, we propose a sequence-based method Virulent-GO by mining informative GO terms as features for predicting bacterial virulent proteins. Each protein in the datasets used by the existing method VirulentPred is annotated by using BLAST to obtain its homologies with known accession numbers for retrieving GO terms. After investigating various popular classifiers using the same five-fold cross-validation scheme, Virulent-GO using the single kind of GO term features with an accuracy of 82.5% is slightly better than VirulentPred with 81.8% using five kinds of sequence-based features. For the evaluation of independent test, Virulent-GO also yields better results (82.0%) than VirulentPred (80.7%). When evaluating single kind of feature with SVM, the GO term feature performs much well, compared with each of the five kinds of features.

Robust Face Recognition using AAM and Gabor Features

In this paper, we propose a face recognition algorithm using AAM and Gabor features. Gabor feature vectors which are well known to be robust with respect to small variations of shape, scaling, rotation, distortion, illumination and poses in images are popularly employed for feature vectors for many object detection and recognition algorithms. EBGM, which is prominent among face recognition algorithms employing Gabor feature vectors, requires localization of facial feature points where Gabor feature vectors are extracted. However, localization method employed in EBGM is based on Gabor jet similarity and is sensitive to initial values. Wrong localization of facial feature points affects face recognition rate. AAM is known to be successfully applied to localization of facial feature points. In this paper, we devise a facial feature point localization method which first roughly estimate facial feature points using AAM and refine facial feature points using Gabor jet similarity-based facial feature localization method with initial points set by the rough facial feature points obtained from AAM, and propose a face recognition algorithm using the devised localization method for facial feature localization and Gabor feature vectors. It is observed through experiments that such a cascaded localization method based on both AAM and Gabor jet similarity is more robust than the localization method based on only Gabor jet similarity. Also, it is shown that the proposed face recognition algorithm using this devised localization method and Gabor feature vectors performs better than the conventional face recognition algorithm using Gabor jet similarity-based localization method and Gabor feature vectors like EBGM.

Improved Closed Set Text-Independent Speaker Identification by Combining MFCC with Evidence from Flipped Filter Banks

A state of the art Speaker Identification (SI) system requires a robust feature extraction unit followed by a speaker modeling scheme for generalized representation of these features. Over the years, Mel-Frequency Cepstral Coefficients (MFCC) modeled on the human auditory system has been used as a standard acoustic feature set for SI applications. However, due to the structure of its filter bank, it captures vocal tract characteristics more effectively in the lower frequency regions. This paper proposes a new set of features using a complementary filter bank structure which improves distinguishability of speaker specific cues present in the higher frequency zone. Unlike high level features that are difficult to extract, the proposed feature set involves little computational burden during the extraction process. When combined with MFCC via a parallel implementation of speaker models, the proposed feature set outperforms baseline MFCC significantly. This proposition is validated by experiments conducted on two different kinds of public databases namely YOHO (microphone speech) and POLYCOST (telephone speech) with Gaussian Mixture Models (GMM) as a Classifier for various model orders.