Abstract: Since the 1980s, banks and financial service institutions have been running in an endless race of innovation to cope with the advancing technology, the fierce competition, and the more sophisticated and demanding customers. In order to guide their innovation efforts, several researches were conducted to identify the success and failure factors of new financial services. These mainly included organizational factors, marketplace factors and new service development process factors. They almost all emphasized the importance of customer and market orientation as a response to the highly perceptual and intangible characteristics of financial services. However, they deemphasized the critical characteristics of high involvement of risk and close correlation with the economic conditions, a factor that heavily contributed to the Global financial Crisis of 2008. This paper reviews the success and failure factors of new financial services. It then adds new perspectives emerging from the analysis of the role of innovation in the global financial crisis.
Abstract: Obtaining labeled data in supervised learning is often
difficult and expensive, and thus the trained learning algorithm tends
to be overfitting due to small number of training data. As a result,
some researchers have focused on using unlabeled data which may
not necessary to follow the same generative distribution as the labeled
data to construct a high-level feature for improving performance on
supervised learning tasks. In this paper, we investigate the impact of
the relationship between unlabeled and labeled data for classification
performance. Specifically, we will apply difference unlabeled data
which have different degrees of relation to the labeled data for
handwritten digit classification task based on MNIST dataset. Our
experimental results show that the higher the degree of relation
between unlabeled and labeled data, the better the classification
performance. Although the unlabeled data that is completely from
different generative distribution to the labeled data provides the lowest
classification performance, we still achieve high classification performance.
This leads to expanding the applicability of the supervised
learning algorithms using unsupervised learning.
Abstract: Higher-order Statistics (HOS), also known as
cumulants, cross moments and their frequency domain counterparts,
known as poly spectra have emerged as a powerful signal processing
tool for the synthesis and analysis of signals and systems. Algorithms
used for the computation of cross moments are computationally
intensive and require high computational speed for real-time
applications. For efficiency and high speed, it is often advantageous
to realize computation intensive algorithms in hardware. A promising
solution that combines high flexibility together with the speed of a
traditional hardware is Field Programmable Gate Array (FPGA). In
this paper, we present FPGA-based parallel architecture for the
computation of third-order cross moments. The proposed design is
coded in Very High Speed Integrated Circuit (VHSIC) Hardware
Description Language (VHDL) and functionally verified by
implementing it on Xilinx Spartan-3 XC3S2000FG900-4 FPGA.
Implementation results are presented and it shows that the proposed
design can operate at a maximum frequency of 86.618 MHz.
Abstract: Gene expression profiling is rapidly evolving into a
powerful technique for investigating tumor malignancies. The
researchers are overwhelmed with the microarray-based platforms
and methods that confer them the freedom to conduct large-scale
gene expression profiling measurements. Simultaneously,
investigations into cross-platform integration methods have started
gaining momentum due to their underlying potential to help
comprehend a myriad of broad biological issues in tumor diagnosis,
prognosis, and therapy. However, comparing results from different
platforms remains to be a challenging task as various inherent
technical differences exist between the microarray platforms. In this
paper, we explain a simple ratio-transformation method, which can
provide some common ground for cDNA and Affymetrix platform
towards cross-platform integration. The method is based on the
characteristic data attributes of Affymetrix- and cDNA- platform. In
the work, we considered seven childhood leukemia patients and their
gene expression levels in either platform. With a dataset of 822
differentially expressed genes from both these platforms, we carried
out a specific ratio-treatment to Affymetrix data, which subsequently
showed an improvement in the relationship with the cDNA data.
Abstract: Herein, we report the different types of surface morphology due to the interaction between the pure protein Insulin (INS) and catanionic surfactant mixture of Sodium Dodecyl Sulfate (SDS) and Cetyl Trimethyl Ammonium Bromide (CTAB) at air/water interface obtained by the Langmuir-Blodgett (LB) technique. We characterized the aggregations by Scanning Electron Microscopy (SEM), Atomic Force Microscopy (AFM) and Fourier transform infrared spectroscopy (FTIR) in LB films. We found that the INS adsorption increased in presence of catanionic surfactant at air/water interface. The presence of small amount of surfactant induces two-stage growth kinetics due to the pure protein absorption and protein-catanionic surface micelle interaction. The protein remains in native state in presence of small amount of surfactant mixture. Smaller amount of surfactant mixture with INS is producing surface micelle type structure. This may be considered for drug delivery system. On the other hand, INS becomes unfolded and fibrillated in presence of higher amount of surfactant mixture. In both the cases, the protein was successfully immobilized on a glass substrate by the LB technique. These results may find applications in the fundamental science of the physical chemistry of surfactant systems, as well as in the preparation of drug-delivery system.
Abstract: In this article a modification of the algorithm of the fuzzy ART network, aiming at returning it supervised is carried out. It consists of the search for the comparison, training and vigilance parameters giving the minimum quadratic distances between the output of the training base and those obtained by the network. The same process is applied for the determination of the parameters of the fuzzy ARTMAP giving the most powerful network. The modification consist in making learn the fuzzy ARTMAP a base of examples not only once as it is of use, but as many time as its architecture is in evolution or than the objective error is not reached . In this way, we don-t worry about the values to impose on the eight (08) parameters of the network. To evaluate each one of these three networks modified, a comparison of their performances is carried out. As application we carried out a classification of the image of Algiers-s bay taken by SPOT XS. We use as criterion of evaluation the training duration, the mean square error (MSE) in step control and the rate of good classification per class. The results of this study presented as curves, tables and images show that modified fuzzy ARTMAP presents the best compromise quality/computing time.
Abstract: In this paper a modification on Levenberg-Marquardt algorithm for MLP neural network learning is proposed. The proposed algorithm has good convergence. This method reduces the amount of oscillation in learning procedure. An example is given to show usefulness of this method. Finally a simulation verifies the results of proposed method.
Abstract: Efficient preprocessing is very essential for automatic
recognition of handwritten documents. In this paper, techniques on
segmenting words in handwritten Arabic text are presented. Firstly,
connected components (ccs) are extracted, and distances among
different components are analyzed. The statistical distribution of this
distance is then obtained to determine an optimal threshold for words
segmentation. Meanwhile, an improved projection based method is
also employed for baseline detection. The proposed method has been
successfully tested on IFN/ENIT database consisting of 26459
Arabic words handwritten by 411 different writers, and the results
were promising and very encouraging in more accurate detection of
the baseline and segmentation of words for further recognition.
Abstract: With the development of virtual communities, there is
an increase in the number of members in Virtual Communities (VCs).
Many join VCs with the objective of sharing their knowledge and
seeking knowledge from others. Despite the eagerness of sharing
knowledge and receiving knowledge through VCs, there is no
standard of assessing ones knowledge sharing capabilities and
prospects of knowledge sharing. This paper developed a vector space
model to assess the knowledge sharing prospect of VC users.
Abstract: This paper presents key challenges reported by a
group of Australian undergraduate Physical Education students in
conducting a program for persons with an intellectual disability.
Strategies adopted to address these challenges are presented together
with representative feedback given by the Physical Education
students at the completion of the program. The significance of the
program’s findings is summarized.
Abstract: This paper concerns about the experimental and
numerical investigations of energy absorption and axial tearing
behaviour of aluminium 6060 circular thin walled tubes under static
axial compression. The tubes are received in T66 heat treatment
condition with fixed outer diameter of 42mm, thickness of 1.5mm
and length of 120mm. The primary variables are the conical die
angles (15°, 20° and 25°). Numerical simulations are carried on
ANSYS/LS-DYNA software tool, for investigating the effect of
friction between the tube and the die.
Abstract: It is well known that a linear dynamic system including
a delay will exhibit limit cycle oscillations when a bang-bang sensor
is used in the feedback loop of a PID controller. A similar behaviour
occurs when a delayed feedback signal is used to train a neural
network. This paper develops a method of predicting this behaviour
by linearizing the system, which can be shown to behave in a manner
similar to an integral controller. Using this procedure, it is possible
to predict the characteristics of the neural network driven limit cycle
to varying degrees of accuracy, depending on the information known
about the system. An application is also presented: the intelligent
control of a spark ignition engine.
Abstract: In modern telecommunications industry, demand &
supply chain management (DSCM) needs reliable design and
versatile tools to control the material flow. The objective for efficient
DSCM is reducing inventory, lead times and related costs in order to
assure reliable and on-time deliveries from manufacturing units
towards customers. In this paper the multi-rate expert system based
methodology for developing simulation tools that would enable
optimal DSCM for multi region, high volume and high complexity
manufacturing environment was proposed.
Abstract: In recent years, IT convergence technology has been developed to get creative solution by combining robotics or sports science technology. Object detection and recognition have mainly applied to sports science field that has processed by recognizing face and by tracking human body. But object detection and recognition using vision sensor is challenge task in real world because of illumination. In this paper, object detection and recognition using vision sensor applied to sports simulator has been introduced. Face recognition has been processed to identify user and to update automatically a person athletic recording. Human body has tracked to offer a most accurate way of riding horse simulator. Combined image processing has been processed to reduce illumination adverse affect because illumination has caused low performance in detection and recognition in real world application filed. Face has recognized using standard face graph and human body has tracked using pose model, which has composed of feature nodes generated diverse face and pose images. Face recognition using Gabor wavelet and pose recognition using pose graph is robust to real application. We have simulated using ETRI database, which has constructed on horse riding simulator.
Abstract: A dent is a gross distortion of the pipe cross-section.
Dent depth is defined as the maximum reduction in the diameter of
the pipe compared to the original diameter. Pipeline dent finite
element (FE) simulation and theoretical analysis are conducted in this
paper to develop an understanding of the geometric characteristics
and strain distribution in the pressurized dented pipe. Based on the
results, the magnitude of the denting force increases significantly
with increasing the internal pressure, and the maximum
circumferential and longitudinal strains increase by increasing the
internal pressure and the dent depth. The results can be used for
characterizing dents and ranking their risks to the integrity of a
pipeline.
Abstract: This article attempts to analyze functionally graded beam thermal buckling along with piezoelectric layers applying based on the third order shearing deformation theory considering various boundary conditions. The beam properties are assumed to vary continuously from the lower surface to the upper surface of the beam. The equilibrium equations are derived using the total potential energy equations, Euler equations, piezoelectric material constitutive equations and third order shear deformation theory assumptions. In order to fulfill such an aim, at first functionally graded beam with piezoelectric layers applying the third order shearing deformation theory along with clamped -clamped boundary conditions are thoroughly analyzed, and then following making sure of the correctness of all the equations, the very same beam is analyzed with piezoelectric layers through simply-simply and simply-clamped boundary conditions. In this article buckling critical temperature for functionally graded beam is derived in two different ways, without piezoelectric layer and with piezoelectric layer and the results are compared together. Finally, all the conclusions obtained will be compared and contrasted with the same samples in the same and distinguished conditions through tables and charts. It would be noteworthy that in this article, the software MAPLE has been applied in order to do the numeral calculations.
Abstract: Perth will run out of available sustainable natural
water resources by 2015 if nothing is done to slow usage rates,
according to a Western Australian study [1]. Alternative water
technology options need to be considered for the long-term
guaranteed supply of water for agricultural, commercial, domestic
and industrial purposes. Seawater is an alternative source of water for
human consumption, because seawater can be desalinated and
supplied in large quantities to a very high quality.
While seawater desalination is a promising option, the technology
requires a large amount of energy which is typically generated from
fossil fuels. The combustion of fossil fuels emits greenhouse gases
(GHG) and, is implicated in climate change. In addition to
environmental emissions from electricity generation for desalination,
greenhouse gases are emitted in the production of chemicals and
membranes for water treatment. Since Australia is a signatory to the
Kyoto Protocol, it is important to quantify greenhouse gas emissions
from desalinated water production.
A life cycle assessment (LCA) has been carried out to determine
the greenhouse gas emissions from the production of 1 gigalitre (GL)
of water from the new plant. In this LCA analysis, a new desalination
plant that will be installed in Bunbury, Western Australia, and known
as Southern Seawater Desalinization Plant (SSDP), was taken as a
case study. The system boundary of the LCA mainly consists of three
stages: seawater extraction, treatment and delivery. The analysis
found that the equivalent of 3,890 tonnes of CO2 could be emitted
from the production of 1 GL of desalinated water. This LCA analysis
has also identified that the reverse osmosis process would cause the
most significant greenhouse emissions as a result of the electricity
used if this is generated from fossil fuels
Abstract: There are many kinds of metal borates found not only
in nature but also synthesized in the laboratory such as magnesium
borates. Due to its excellent properties, as remarkable ceramic
materials, they have also application areas in anti-wear and friction
reducing additives as well as electro-conductive treating agents. The
synthesis of magnesium borate powders can be fulfilled simply with
two different methods, hydrothermal and thermal synthesis.
Microwave assisted method, also another way of producing
magnesium borate, can be classified into thermal synthesis because of
using the principles of solid state synthesis. It also contributes
producing particles with small size and high purity in nano-size
material synthesize. In this study the production of magnesium
borates, are aimed using MgCl2.6H2O and H3BO3. The identification
of both starting materials and products were made by the equipments
of, X-Ray Diffraction (XRD) and Fourier Transform Infrared
Spectroscopy (FT-IR). After several synthesis steps magnesium
borates were synthesized and characterized by XRD and FT-IR, as
well.
Abstract: As an economic and safe structure, Bi-steel is widely
used in reinforced concrete with less consumption of steel. In this
paper, III Bi-steel concrete beam has been analyzed. Through careful
observation and theoretical analysis, the new calculating formulae for
structural rigidity and crack have been formulated for this Bi-steel
concrete beam. And structural rigidity and the crack features have also
been theoretically analyzed.
Abstract: The aim of this paper is to investigate the influence of
market share and diversification on the nonlife insurers- performance.
The underlying relationships have been investigated in different
industries and different disciplines (economics, management...), still,
no consistency exists either in the magnitude or statistical
significance of the relationship between market share (and
diversification as well) on one side and companies- performance on
the other side. Moreover, the direction of the relationship is also
somewhat questionable. While some authors find this relationship to
be positive, the others reveal its negative association. In order to test
the influence of market share and diversification on companies-
performance in Croatian nonlife insurance industry for the period
from 1999 to 2009, we designed an empirical model in which we
included the following independent variables: firms- profitability
from previous years, market share, diversification and control
variables (i.e. ownership, industrial concentration, GDP per capita,
inflation). Using the two-step generalized method of moments
(GMM) estimator we found evidence of a positive and statistically
significant influence of both, market share and diversification, on
insurers- profitability.