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.

Design and Operation of a Multicarrier Energy System Based On Multi Objective Optimization Approach

Multi-energy systems will enhance the system reliability and power quality. This paper presents an integrated approach for the design and operation of distributed energy resources (DER) systems, based on energy hub modeling. A multi-objective optimization model is developed by considering an integrated view of electricity and natural gas network to analyze the optimal design and operating condition of DER systems, by considering two conflicting objectives, namely, minimization of total cost and the minimization of environmental impact which is assessed in terms of CO2 emissions. The mathematical model considers energy demands of the site, local climate data, and utility tariff structure, as well as technical and financial characteristics of the candidate DER technologies. To provide energy demands, energy systems including photovoltaic, and co-generation systems, boiler, central power grid are considered. As an illustrative example, a hotel in Iran demonstrates potential applications of the proposed method. The results prove that increasing the satisfaction degree of environmental objective leads to increased total cost.

Raman Scattering and PL Studies on AlGaN/GaN HEMT Layers on 200 mm Si(111)

The crystalline quality of the AlGaN/GaN high electron mobility transistor (HEMT) structure grown on a 200 mm silicon substrate has been investigated using UV-visible micro- Raman scattering and photoluminescence (PL). The visible Raman scattering probes the whole nitride stack with the Si substrate and shows the presence of a small component of residual in-plane stress in the thick GaN buffer resulting from a wafer bowing, while the UV micro-Raman indicates a tensile interfacial stress induced at the top GaN/AlGaN/AlN layers. PL shows a good crystal quality GaN channel where the yellow band intensity is very low compared to that of the near-band-edge transition. The uniformity of this sample is shown by measurements from several points across the epiwafer.

Performance Evaluation of Neural Network Prediction for Data Prefetching in Embedded Applications

Embedded systems need to respect stringent real time constraints. Various hardware components included in such systems such as cache memories exhibit variability and therefore affect execution time. Indeed, a cache memory access from an embedded microprocessor might result in a cache hit where the data is available or a cache miss and the data need to be fetched with an additional delay from an external memory. It is therefore highly desirable to predict future memory accesses during execution in order to appropriately prefetch data without incurring delays. In this paper, we evaluate the potential of several artificial neural networks for the prediction of instruction memory addresses. Neural network have the potential to tackle the nonlinear behavior observed in memory accesses during program execution and their demonstrated numerous hardware implementation emphasize this choice over traditional forecasting techniques for their inclusion in embedded systems. However, embedded applications execute millions of instructions and therefore millions of addresses to be predicted. This very challenging problem of neural network based prediction of large time series is approached in this paper by evaluating various neural network architectures based on the recurrent neural network paradigm with pre-processing based on the Self Organizing Map (SOM) classification technique.

Effect Comparison of Speckle Noise Reduction Filters on 2D-Echocardigraphic Images

Echocardiography imaging is one of the most common diagnostic tests that are widely used for assessing the abnormalities of the regional heart ventricle function. The main goal of the image enhancement task in 2D-echocardiography (2DE) is to solve two major anatomical structure problems; speckle noise and low quality. Therefore, speckle noise reduction is one of the important steps that used as a pre-processing to reduce the distortion effects in 2DE image segmentation. In this paper, we present the common filters that based on some form of low-pass spatial smoothing filters such as Mean, Gaussian, and Median. The Laplacian filter was used as a high-pass sharpening filter. A comparative analysis was presented to test the effectiveness of these filters after being applied to original 2DE images of 4-chamber and 2-chamber views. Three statistical quantity measures: root mean square error (RMSE), peak signal-to-ratio (PSNR) and signal-tonoise ratio (SNR) are used to evaluate the filter performance quantitatively on the output enhanced image.

Analysis of Feature Space for a 2d/3d Vision based Emotion Recognition Method

In modern human computer interaction systems (HCI), emotion recognition is becoming an imperative characteristic. The quest for effective and reliable emotion recognition in HCI has resulted in a need for better face detection, feature extraction and classification. In this paper we present results of feature space analysis after briefly explaining our fully automatic vision based emotion recognition method. We demonstrate the compactness of the feature space and show how the 2d/3d based method achieves superior features for the purpose of emotion classification. Also it is exposed that through feature normalization a widely person independent feature space is created. As a consequence, the classifier architecture has only a minor influence on the classification result. This is particularly elucidated with the help of confusion matrices. For this purpose advanced classification algorithms, such as Support Vector Machines and Artificial Neural Networks are employed, as well as the simple k- Nearest Neighbor classifier.

Evaluation of Degree and the Effect of Order in the Family on Violence against Children A Survey among Guidance School Students in Gilanegharb City in Iran

A review of the literature found that Domestic violence and child maltreatment co-occur in many families, the purpose of this study attempts to emphasize the factors relating to intra-family relationships (order point of view) on violence against the children, For this purpose a survey technique on the sample size amounted 200 students of governmental guidance schools of city of Gilanegharb in country of Iran were considered. For measurement of violence against the children (VAC) the CTS scaled has been used .The results showed that children have experienced the violence more than once during the last year. degree of order in family is high. Explanation result indicated that the order variables in family including collective thinking, empathy, communal co-circumstance have significant effects on VAC.

The Investigations of Water-ethanol Mixture by Monte Carlo Method

Energetic and structural results for ethanol-water mixtures as a function of the mole fraction were calculated using Monte Carlo methodology. Energy partitioning results obtained for equimolar water-ethanol mixture and ether organic liquids are compared. It has been shown that at xet=0.22 the RDFs for waterethanol and ethanol-ethanol interactions indicated strong hydrophobic interactions between ethanol molecules and the local structure of solution is less structured at this concentration as at ether ones. Results obtained for ethanol-water mixture as a function of concentration are in good agreement with the experimental data.

Comparing Academically Gifted and Non-Gifted Students- Supportive Environments in Jordan

Jordan exerts many efforts to nurture their academically gifted students in special schools since 2001. During the past nine years of launching these schools, their learning and excellence environments were believed to be distinguished compared to public schools. This study investigated the environments of gifted students compared with other non-gifted, using a survey instrument that measures the dimensions of family, peers, teachers, school- support, society, and resources –dimensions rooted deeply in supporting gifted education, learning, and achievement. A total number of 109 were selected from excellence schools for academically gifted students, and 119 non-gifted students were selected from public schools. Around 8.3% of the non-gifted students reported that they “Never" received any support from their surrounding environments, 14.9% reported “Seldom" support, 23.7% reported “ Often" support, 26.0% reported “Frequent" support, and 32.8% reported “Very frequent" support. Where the gifted students reported more “Never" support than the non-gifted did with 11.3%, “Seldom" support with 15.4%, “Often" support with 26.6%, “Frequent" support with 29.0%, and reported “Very frequent" support less than the non-gifted students with 23.6%. Unexpectedly, statistical differences were found between the two groups favoring non-gifted students in perception of their surrounding environments in specific dimensions, namely, school- support, teachers, and society. No statistical differences were found in the other dimensions of the survey, namely, family, peers, and resources. As the differences were found in teachers, school- support, and society, the nurturing environments for the excellence schools need to be revised to adopt more creative teaching styles, rich school atmosphere and infrastructures, interactive guiding for the students and their parents, promoting for the excellence environments, and re-build successful identification models. Thus, families, schools, and society should increase their cooperation, communication, and awareness of the gifted supportive environments. However, more studies to investigate other aspects of promoting academic giftedness and excellence are recommended.

Housing Defect of Newly Completed House: An Analysis Using Condition Survey Protocol (CSP) 1 Matrix

Housing is a basic human right. The provision of new house shall be free from any defects, even for the defects that people do normally considered as 'cosmetic defects'. This paper studies about the building defects of newly completed house of 72 unit of double-storey terraced located in Bangi, Selangor. The building survey implemented using protocol 1 (visual inspection). As for new house, the survey work is very stringent in determining the defects condition and priority. Survey and reporting procedure is carried out based on CSP1 Matrix that involved scoring system, photographs and plan tagging. The analysis is done using Statistical Package for Social Sciences (SPSS). The finding reveals that there are 2119 defects recorded in 72 terraced houses. The cumulative score obtained was 27644 while the overall rating is 13.05. These results indicate that the construction quality of the newly terraced houses is low and not up to an acceptable standard as the new house should be.

Protecting the Privacy and Trust of VIP Users on Social Network Sites

There is a real threat on the VIPs personal pages on the Social Network Sites (SNS). The real threats to these pages is violation of privacy and theft of identity through creating fake pages that exploit their names and pictures to attract the victims and spread of lies. In this paper, we propose a new secure architecture that improves the trusting and finds an effective solution to reduce fake pages and possibility of recognizing VIP pages on SNS. The proposed architecture works as a third party that is added to Facebook to provide the trust service to personal pages for VIPs. Through this mechanism, it works to ensure the real identity of the applicant through the electronic authentication of personal information by storing this information within content of their website. As a result, the significance of the proposed architecture is that it secures and provides trust to the VIPs personal pages. Furthermore, it can help to discover fake page, protect the privacy, reduce crimes of personality-theft, and increase the sense of trust and satisfaction by friends and admirers in interacting with SNS.

Neural Network Optimal Power Flow(NN-OPF) based on IPSO with Developed Load Cluster Method

An Optimal Power Flow based on Improved Particle Swarm Optimization (OPF-IPSO) with Generator Capability Curve Constraint is used by NN-OPF as a reference to get pattern of generator scheduling. There are three stages in Designing NN-OPF. The first stage is design of OPF-IPSO with generator capability curve constraint. The second stage is clustering load to specific range and calculating its index. The third stage is training NN-OPF using constructive back propagation method. In training process total load and load index used as input, and pattern of generator scheduling used as output. Data used in this paper is power system of Java-Bali. Software used in this simulation is MATLAB.

Investigation of Effective Parameters on Annealing and Hot Spotting Processes for Straightening of Bent Turbine Rotors

The most severe damage of the turbine rotor is its distortion. The rotor straightening process must lead, at the first stage, to removal of the stresses from the material by annealing and next, to straightening of the plastic distortion without leaving any stress by hot spotting. The straightening method does not produce stress accumulations and the heating technique, developed specifically for solid forged rotors and disks, enables to avoid local overheating and structural changes in the material. This process also does not leave stresses in the shaft material. An experimental study of hot spotting is carried out on a large turbine rotor and some of the most important effective parameters that must be considered on annealing and hot spotting processes are investigated in this paper.

Designing Early Warning System: Prediction Accuracy of Currency Crisis by Using k-Nearest Neighbour Method

Developing a stable early warning system (EWS) model that is capable to give an accurate prediction is a challenging task. This paper introduces k-nearest neighbour (k-NN) method which never been applied in predicting currency crisis before with the aim of increasing the prediction accuracy. The proposed k-NN performance depends on the choice of a distance that is used where in our analysis; we take the Euclidean distance and the Manhattan as a consideration. For the comparison, we employ three other methods which are logistic regression analysis (logit), back-propagation neural network (NN) and sequential minimal optimization (SMO). The analysis using datasets from 8 countries and 13 macro-economic indicators for each country shows that the proposed k-NN method with k = 4 and Manhattan distance performs better than the other methods.

Creation of Economic and Social Value by Social Entrepreneurship for Sustainable Development

The ever growing sentiment of environmentalism across the globe has made many people think on the green lines. But most of such ideas halt short of implementation because of the short term economic viability issues with the concept of going green. In this paper we have tried to amalgamate the green concept with social entrepreneurship for solving a variety of issues faced by the society today. In addition the paper also tries to ensure that the short term economic viability does not act as a deterrent. The paper comes up three sustainable models of social entrepreneurship which tackle a wide assortment of issues such as nutrition problem, land problems, pollution problems and employment problems. The models described fall under the following heads: - Spirulina cultivation: The model addresses nutrition, land and employment issues. It deals with cultivation of a blue green alga called Spirulina which can be used as a very nutritious food. Also, the implementation of this model would bring forth employment to the poor people of the area. - Biocomposites: The model comes up with various avenues in which biocomposites can be used in an economically sustainable manner. This model deals with the environmental concerns and addresses the depletion of natural resources. - Packaging material from empty fruit bunches (EFB) of oil palm: This one deals with air and land pollution. It is intended to be a substitute for packaging materials made from Styrofoam and plastics which are non-biodegradable. It takes care of the biodegradability and land pollution issues. It also reduces air pollution as the empty fruit bunches are not incinerated. All the three models are sustainable and do not deplete the natural resources any further. This paper explains each of the models in detail and deals with the operational/manufacturing procedures and cost analysis while also throwing light on the benefits derived and sustainability aspects.

Influence of Active Packaging on the Shelf Life of Apple-Black Currant Marmalade Candies

The research object was apple-black currant marmalade candies. Experiments were carried out at the Faculty of Food Technology of the Latvia University of Agriculture. An active packaging in combination with modified atmosphere (MAP, CO2 100%) was examined and compared with traditional packaging in air ambiance. Polymer Multibarrier 60 and paper bags were used. Influence of iron based oxygen absorber in sachets of 500 cc obtained from Mitsubishi Gas Chemical Europe Ageless® was tested on the quality during the shelf of marmalade. Samples of 80±5 g were packaged in polymer pouches (110 mm x 110 mm), hermetically sealed by MULTIVAC C300 vacuum chamber machine, and stored in room temperature +20.0±1.0 °C. The physiochemical properties – weight losses, moisture content, hardness, aw, pH, colour, changes of atmosphere content (CO2 and O2) in headspace of packs, and microbial conditions were analysed before packaging and in the 1st, 3rd , 5th, 8th, 11th and 15th weeks of storage.

A Kinetic Study on the Adsorption of Cd(II) and Zn(II) Ions from Aqueous Solutions on Zeolite NaA

The present paper reports the removal of Cd(II) and Zn(II) ions using synthetic Zeolit NaA. The adsorption capacity of the sorbent (Zeolite NaA) strongly depends on simultaneous or not simultaneous (concurrent) presence of Cd(II) and Zn(II) in the sorbate. When Cd(II) and Zn(II) are present simultaneously (concurrently) in the sorbate, Zn(II) ions were sorbed at higher rate. Equilibrium data fitted Langmuir, Freundlich and Tempkin isotherms well. The applicability of the isotherm equation to describe the adsorption process was judged by the correlation coefficients R2. The Langmuir model yielded the best fit with R2 values equal to or higher than 0.970, as compared to the Freundlich and Tempkin models. The fact that 1/n values range from 0.322 to 0.755 indicates that the adsorption of Cd(II) and Zn(II) ions from aqueous solutions also favored by the Freundlich model.

A Supervisory Scheme for Step-Wise Safe Switching Controllers

A supervisory scheme is proposed that implements Stepwise Safe Switching Logic. The functionality of the supervisory scheme is organized in the following eight functional units: Step- Wise Safe Switching unit, Common controllers design unit, Experimentation unit, Simulation unit, Identification unit, Trajectory cruise unit, Operating points unit and Expert system unit. The supervisory scheme orchestrates both the off-line preparative actions, as well as the on-line actions that implement the Stepwise Safe Switching Logic. The proposed scheme is a generic tool, that may be easily applied for a variety of industrial control processes and may be implemented as an automation software system, with the use of a high level programming environment, like Matlab.

Performance Evaluation of Purely Mechanical Wireless In-Mould Sensor for Injection Moulding

In this paper, the influencing parameters of a novel purely mechanical wireless in-mould injection moulding sensor were investigated. The sensor is capable of detecting the melt front at predefined locations inside the mould. The sensor comprises a movable pin which acts as the sensor element generating structure-borne sound triggered by the passing melt front. Due to the sensor design, melt pressure is the driving force. For pressure level measurement during pin movement a pressure transducer located at the same position as the movable pin. By deriving a mathematical model for the mechanical movement, dominant process parameters could be investigated towards their impact on the melt front detection characteristic. It was found that the sensor is not affected by the investigated parameters enabling it for reliable melt front detection. In addition, it could be proved that the novel sensor is in comparable range to conventional melt front detection sensors.

Bio-inspired Audio Content-Based Retrieval Framework (B-ACRF)

Content-based music retrieval generally involves analyzing, searching and retrieving music based on low or high level features of a song which normally used to represent artists, songs or music genre. Identifying them would normally involve feature extraction and classification tasks. Theoretically the greater features analyzed, the better the classification accuracy can be achieved but with longer execution time. Technique to select significant features is important as it will reduce dimensions of feature used in classification and contributes to the accuracy. Artificial Immune System (AIS) approach will be investigated and applied in the classification task. Bio-inspired audio content-based retrieval framework (B-ACRF) is proposed at the end of this paper where it embraces issues that need further consideration in music retrieval performances.