Abstract: This paper investigates the performance of a speech
recognizer in an interactive voice response system for various coded
speech signals, coded by using a vector quantization technique namely
Multi Switched Split Vector Quantization Technique. The process of
recognizing the coded output can be used in Voice banking application.
The recognition technique used for the recognition of the coded speech
signals is the Hidden Markov Model technique. The spectral distortion
performance, computational complexity, and memory requirements of
Multi Switched Split Vector Quantization Technique and the
performance of the speech recognizer at various bit rates have been
computed. From results it is found that the speech recognizer is
showing better performance at 24 bits/frame and it is found that the
percentage of recognition is being varied from 100% to 93.33% for
various bit rates.
Abstract: Transaction management is one of the most crucial requirements for enterprise application development which often require concurrent access to distributed data shared amongst multiple application / nodes. Transactions guarantee the consistency of data records when multiple users or processes perform concurrent operations. Existing Fault Tolerance Infrastructure for Mobile Agents (FTIMA) provides a fault tolerant behavior in distributed transactions and uses multi-agent system for distributed transaction and processing. In the existing FTIMA architecture, data flows through the network and contains personal, private or confidential information. In banking transactions a minor change in the transaction can cause a great loss to the user. In this paper we have modified FTIMA architecture to ensure that the user request reaches the destination server securely and without any change. We have used triple DES for encryption/ decryption and MD5 algorithm for validity of message.
Abstract: Mobile banking services present a unique growth
opportunity for mobile operators in emerging markets, and have
already made good progress in bringing financial services to the
previously unbanked populations of many developing countries. The
potential is amazing, but what about the risks? In the complex
process of establishing a mobile banking business model, many kinds
of risks and factors need to be monitored and well-managed. Risk
identification is the first stage of risk management. Correct risk
identification ensures risk management effectiveness. Keeping the
risks low makes it possible to use the full potential of mobile banking
and carry out the planned business strategy. The focus should be on
adoption of consumers which is the main risk factor of mobile
banking services.
Abstract: The role of entrepreneurs in generating the economy is
very important. Thus, nurturing entrepreneurship skills among
society is very crucial and should start from the early age. One of the
methods is to teach through game such as board game. Game
provides a fun and interactive platform for players to learn and play.
Besides that as today-s world is moving towards Islamic approach in
terms of finance, banking and entertainment but Islamic based game
is still hard to find in the market especially games on
entrepreneurship. Therefore, there is a gap in this segment that can be
filled by learning entrepreneurship through game. The objective of
this paper is to develop an entrepreneurship digital-based game
entitled “Catur Bistari" that is based on Islamic business approach.
Knowledge and skill of entrepreneurship and Islamic business
approach will be learned through the tasks that are incorporated
inside the game.
Abstract: We demonstrate through a sample application, Ebanking,
that the Web Service Modelling Language Ontology component
can be used as a very powerful object-oriented database design
language with logic capabilities. Its conceptual syntax allows the
definition of class hierarchies, and logic syntax allows the definition
of constraints in the database. Relations, which are available for
modelling relations of three or more concepts, can be connected to
logical expressions, allowing the implicit specification of database
content. Using a reasoning tool, logic queries can also be made
against the database in simulation mode.
Abstract: The new status generated by technological advancements and changes in the global economy raises important issues on how communities and organisations need to innovate upon their traditional processes in order to adapt to the challenges of the Knowledge Society. The DialogoS+ European project aims to study the role of and promote social dialogue in the banking sector, strengthen the link between old and new members and make social dialogue at the European level a force for innovation and change, also given the context of the international crisis emerging in 2008- 2009. Under the scope of DialogoS+, this paper describes how the community of Europe-s banking sector trade unions attempted to adapt to the challenges of the Knowledge Society by exploiting the benefits of new channels of communication, learning, knowledge generation and diffusion focusing on the concept of roadmapping. Important dimensions of social dialogue such as collective bargaining and working conditions are addressed.
Abstract: This paper tries to shed light on the existence of a bank lending channel (BLC) in South Eastern European countries (SEE). Based on a VAR framework we test the responsiveness of credit supply to monetary policy shocks. By compiling a new data set and using the reserve requirement ratio, among others, as the policy instrument we measure the effectiveness of the BLC and the buffering effect of the banks in the SEE countries. The results indicate that loan supply is significantly affected by shifts in monetary policy, when demand factors are controlled. Furthermore, by analyzing the effect of the Greek banks in the region we conclude that Greek banks do buffer the negative effects of monetary policy transmission. By having a significant market share of the SEE-s banking markets we argue that Greek banks influence positively the economic growth of SEE countries.
Abstract: The world is moving rapidly toward the deployment
of information and communication systems. Nowadays, computing
systems with their fast growth are found everywhere and one of the main challenges for these systems is increasing attacks and security threats against them. Thus, capturing, analyzing and verifying security requirements becomes a very important activity in
development process of computing systems, specially in developing
systems such as banking, military and e-business systems. For
developing every system, a process model which includes a process,
methods and tools is chosen. The Rational Unified Process (RUP) is
one of the most popular and complete process models which is used
by developers in recent years. This process model should be extended to be used in developing secure software systems. In this
paper, the Requirement Discipline of RUP is extended to improve RUP for developing secure software systems. These proposed extensions are adding and integrating a number of Activities, Roles,
and Artifacts to RUP in order to capture, document and model threats
and security requirements of system. These extensions introduce a
group of clear and stepwise activities to developers. By following these activities, developers assure that security requirements are
captured and modeled. These models are used in design, implementation and test activitie
Abstract: This study attempts to investigate the relationship
between internal CSR practices and organizational commitment
based on the social exchange theory (SET). Specifically, we examine
the impact of five dimensions of internal CSR practices on
organizational commitment: health and safety, human rights, training
and education, work life balance and workplace diversity. The
proposed model was tested on a sample of 336 frontline employees
within the banking sector in Jordan. Results showed that all internal
CSR dimensions are significantly and positively related to affective
and normative commitment. In addition, the findings of this study
indicate that all internal CSR dimensions did not have a significant
relationship with continuance commitment. Limitations of the study,
directions for future research, and implications of the findings are
discussed.
Abstract: If organizations like Mellat Bank want to identify its
customer market completely to reach its specified goals, it can
segment the market to offer the product package to the right segment.
Our objective is to offer a segmentation model for Iran banking
market in Mellat bank view. The methodology of this project is
combined by “segmentation on the basis of four part-quality
variables" and “segmentation on the basis of different in means".
Required data are gathered from E-Systems and researcher personal
observation. Finally, the research offers the organization that at first
step form a four dimensional matrix with 756 segments using four
variables named value-based, behavioral, activity style, and activity
level, and at the second step calculate the means of profit for every
cell of matrix in two distinguished work level (levels α1:normal
condition and α2: high pressure condition) and compare the segments
by checking two conditions that are 1- homogeneity every segment
with its sub segment and 2- heterogeneity with other segments, and
so it can do the necessary segmentation process. After all, the last
offer (more explained by an operational example and feedback
algorithm) is to test and update the model because of dynamic
environment, technology, and banking system.
Abstract: Unlike its conventional counterpart, Islamic principles
forbid Islamic banks to take any interest-related income and thus
makes deposits from depositors as an important source of fund for its
operational and financing. Consequently, the risk of deposit
withdrawal by depositors is an important aspect that should be wellmanaged
in Islamic banking. This paper aims to investigate factors
that influence depositors- withdrawal behavior in Islamic banks,
particularly in Malaysia, using the framework of theory of reasoned
action. A total of 368 respondents from Klang valley are involved in
the analysis. The paper finds that all the constructs variable i.e.
normative beliefs, subjective norms, behavioral beliefs, and attitude
towards behavior are perceived to be distinct by the respondents. In
addition, the structural equation model is able to verify the structural
relationships between subjective norms, attitude towards behavior
and behavioral intention. Subjective norms gives more influence to
depositors- decision on deposit withdrawal compared to attitude
towards behavior.