Consumer Adoption - Risk Factor of Mobile Banking Services

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.

Fast Complex Valued Time Delay Neural Networks

Here, a new idea to speed up the operation of complex valued time delay neural networks is presented. The whole data are collected together in a long vector and then tested as a one input pattern. The proposed fast complex valued time delay neural networks uses cross correlation in the frequency domain between the tested data and the input weights of neural networks. It is proved mathematically that the number of computation steps required for the presented fast complex valued time delay neural networks is less than that needed by classical time delay neural networks. Simulation results using MATLAB confirm the theoretical computations.

The Adsorption of SDS on Ferro-Precipitates

This paper present a new way to find the aerodynamic characteristic equation of missile for the numerical trajectories prediction more accurate. The goal is to obtain the polynomial equation based on two missile characteristic parameters, angle of attack (α ) and flight speed (ν ). First, the understudied missile is modeled and used for flow computational model to compute aerodynamic force and moment. Assume that performance range of understudied missile where range -10< α

Instability Analysis of Laminated Composite Beams Subjected to Parametric Axial Load

The integral form of equations of motion of composite beams subjected to varying time loads are discretized using a developed finite element model. The model consists of a straight five node twenty-two degrees of freedom beam element. The stability analysis of the beams is studied by solving the matrix form characteristic equations of the system. The principle of virtual work and the first order shear deformation theory are employed to analyze the beams with large deformation and small strains. The regions of dynamic instability of the beam are determined by solving the obtained Mathieu form of differential equations. The effects of nonconservative loads, shear stiffness, and damping parameters on stability and response of the beams are examined. Several numerical calculations are presented to compare the results with data reported by other researchers.

Performance Study on Audio Codec and Session Transfer of Open Source VoIP applications

Voice over Internet Protocol (VoIP) application or commonly known as softphone has been developing an increasingly large market in today-s telecommunication world and the trend is expected to continue with the enhancement of additional features. This includes leveraging on the existing presence services, location and contextual information to enable more ubiquitous and seamless communications. In this paper, we discuss the concept of seamless session transfer for real-time application such as VoIP and IPTV, and our prototype implementation of such concept on a selected open source VoIP application. The first part of this paper is about conducting performance evaluation and assessments across some commonly found open source VoIP applications that are Ekiga, Kphone, Linphone and Twinkle so as to identify one of them for implementing our design of seamless session transfer. Subjective testing has been carried out to evaluate the audio performance on these VoIP applications and rank them according to their Mean Opinion Score (MOS) results. The second part of this paper is to discuss on the performance evaluations of our prototype implementation of session transfer using Linphone.

A Robust Watermarking using Blind Source Separation

In this paper, we present a robust and secure algorithm for watermarking, the watermark is first transformed into the frequency domain using the discrete wavelet transform (DWT). Then the entire DWT coefficient except the LL (Band) discarded, these coefficients are permuted and encrypted by specific mixing. The encrypted coefficients are inserted into the most significant spectral components of the stego-image using a chaotic system. This technique makes our watermark non-vulnerable to the attack (like compression, and geometric distortion) of an active intruder, or due to noise in the transmission link.

A New Measurable Definition of Knowledge in New Growth Theory

New Growth Theory helps us make sense of the ongoing shift from a resource-based economy to a knowledge-based economy. It underscores the point that the economic processes which create and diffuse new knowledge are critical to shaping the growth of nations, communities and individual firms. In all too many contributions to New (Endogenous) Growth Theory – though not in all – central reference is made to 'a stock of knowledge', a 'stock of ideas', etc., this variable featuring centre-stage in the analysis. Yet it is immediately apparent that this is far from being a crystal clear concept. The difficulty and uncertainty of being able to capture the value associated with knowledge is a real problem. The intent of this paper is introducing new thinking and theorizing about the knowledge and its measurability in new growth theory. Moreover the study aims to synthesize various strain of the literature with a practical bearing on knowledge concept. By contribution of institution framework which is found within NGT, we can indirectly measure the knowledge concept. Institutions matter because they shape the environment for production and employment of new knowledge

“The Social Destination“: How Social Media Influences the Organisational Structure and Leadership of DMOs

The paper deals with the most important changes that have occurred in business because of social media and its impact on organisations and leadership in recent years. It seeks to synthesize existing research, theories and concepts, in order to understand "social destinations", and to provide a bridge from past research to future success. Becoming a "social destination" is a strategic and tactical leadership and management issue and the paper will present the importance of destination leadership in choosing the way towards a social destination and some organisational models. It also presents some social media tools that can be used in transforming a destination into a social one. Adapting organisations to the twentyfirst century means adopting social media as a way of life and a way of business.

Capacity Building for Hazmat Transport Emergency Preparedness: 'Hotspot Impact Zone' Mapping from Flammable and Toxic Releases

Hazardous Material transportation by road is coupled with inherent risk of accidents causing loss of lives, grievous injuries, property losses and environmental damages. The most common type of hazmat road accident happens to be the releases (78%) of hazardous substances, followed by fires (28%), explosions (14%) and vapour/ gas clouds (6 %.). The paper is discussing initially the probable 'Impact Zones' likely to be caused by one flammable (LPG) and one toxic (ethylene oxide) chemicals being transported through a sizable segment of a State Highway connecting three notified Industrial zones in Surat district in Western India housing 26 MAH industrial units. Three 'hotspots' were identified along the highway segment depending on the particular chemical traffic and the population distribution within 500 meters on either sides. The thermal radiation and explosion overpressure have been calculated for LPG / Ethylene Oxide BLEVE scenarios along with toxic release scenario for ethylene oxide. Besides, the dispersion calculations for ethylene oxide toxic release have been made for each 'hotspot' location and the impact zones have been mapped for the LOC concentrations. Subsequently, the maximum Initial Isolation and the protective zones were calculated based on ERPG-3 and ERPG-2 values of ethylene oxide respectively which are estimated taking the worst case scenario under worst weather conditions. The data analysis will be helpful to the local administration in capacity building with respect to rescue / evacuation and medical preparedness and quantitative inputs to augment the District Offsite Emergency Plan document.

Automated Thickness Measurement of Retinal Blood Vessels for Implementation of Clinical Decision Support Systems in Diagnostic Diabetic Retinopathy

The structure of retinal vessels is a prominent feature, that reveals information on the state of disease that are reflected in the form of measurable abnormalities in thickness and colour. Vascular structures of retina, for implementation of clinical diabetic retinopathy decision making system is presented in this paper. Retinal Vascular structure is with thin blood vessel, whose accuracy is highly dependent upon the vessel segmentation. In this paper the blood vessel thickness is automatically detected using preprocessing techniques and vessel segmentation algorithm. First the capture image is binarized to get the blood vessel structure clearly, then it is skeletonised to get the overall structure of all the terminal and branching nodes of the blood vessels. By identifying the terminal node and the branching points automatically, the main and branching blood vessel thickness is estimated. Results are presented and compared with those provided by clinical classification on 50 vessels collected from Bejan Singh Eye hospital..

Evaluation of a PSO Approach for Optimum Design of a First-Order Controllers for TCP/AQM Systems

This paper presents a Particle Swarm Optimization (PSO) method for determining the optimal parameters of a first-order controller for TCP/AQM system. The model TCP/AQM is described by a second-order system with time delay. First, the analytical approach, based on the D-decomposition method and Lemma of Kharitonov, is used to determine the stabilizing regions of a firstorder controller. Second, the optimal parameters of the controller are obtained by the PSO algorithm. Finally, the proposed method is implemented in the Network Simulator NS-2 and compared with the PI controller.

A New Method in Detection of Ceramic Tiles Color Defects Using Genetic C-Means Algorithm

In this paper an algorithm is used to detect the color defects of ceramic tiles. First the image of a normal tile is clustered using GCMA; Genetic C-means Clustering Algorithm; those results in best cluster centers. C-means is a common clustering algorithm which optimizes an objective function, based on a measure between data points and the cluster centers in the data space. Here the objective function describes the mean square error. After finding the best centers, each pixel of the image is assigned to the cluster with closest cluster center. Then, the maximum errors of clusters are computed. For each cluster, max error is the maximum distance between its center and all the pixels which belong to it. After computing errors all the pixels of defected tile image are clustered based on the centers obtained from normal tile image in previous stage. Pixels which their distance from their cluster center is more than the maximum error of that cluster are considered as defected pixels.

The Resource Description Framework (RDF) as a Modern Structure for Medical Data

The amount and heterogeneity of data in biomedical research, notably in interdisciplinary fields, requires new methods for the collection, presentation and analysis of information. Important data from laboratory experiments as well as patient trials are available but come out of distributed resources. The Charité - University Hospital Berlin has established together with the German Research Foundation (DFG) a new information service centre for kidney diseases and transplantation (Open European Nephrology Science Centre - OpEN.SC). Beside a collaborative aspect to create new research groups every single partner or institution of this science information centre making his own data available is allowed to search the whole data pool of the various involved centres. A core task is the implementation of a non-restricting open data structure for the various different data sources. We decided to use a modern RDF model and in a first phase transformed original data coming from the web-based Electronic Patient Record database TBase©.

Optimum Time Coordination of Overcurrent Relays using Two Phase Simplex Method

Overcurrent (OC) relays are the major protection devices in a distribution system. The operating time of the OC relays are to be coordinated properly to avoid the mal-operation of the backup relays. The OC relay time coordination in ring fed distribution networks is a highly constrained optimization problem which can be stated as a linear programming problem (LPP). The purpose is to find an optimum relay setting to minimize the time of operation of relays and at the same time, to keep the relays properly coordinated to avoid the mal-operation of relays. This paper presents two phase simplex method for optimum time coordination of OC relays. The method is based on the simplex algorithm which is used to find optimum solution of LPP. The method introduces artificial variables to get an initial basic feasible solution (IBFS). Artificial variables are removed using iterative process of first phase which minimizes the auxiliary objective function. The second phase minimizes the original objective function and gives the optimum time coordination of OC relays.

Automatic 3D Reconstruction of Coronary Artery Centerlines from Monoplane X-ray Angiogram Images

We present a new method for the fully automatic 3D reconstruction of the coronary artery centerlines, using two X-ray angiogram projection images from a single rotating monoplane acquisition system. During the first stage, the input images are smoothed using curve evolution techniques. Next, a simple yet efficient multiscale method, based on the information of the Hessian matrix, for the enhancement of the vascular structure is introduced. Hysteresis thresholding using different image quantiles, is used to threshold the arteries. This stage is followed by a thinning procedure to extract the centerlines. The resulting skeleton image is then pruned using morphological and pattern recognition techniques to remove non-vessel like structures. Finally, edge-based stereo correspondence is solved using a parallel evolutionary optimization method based on f symbiosis. The detected 2D centerlines combined with disparity map information allow the reconstruction of the 3D vessel centerlines. The proposed method has been evaluated on patient data sets for evaluation purposes.

Approximate Solution of Nonlinear Fredholm Integral Equations of the First Kind via Converting to Optimization Problems

In this paper we introduce an approach via optimization methods to find approximate solutions for nonlinear Fredholm integral equations of the first kind. To this purpose, we consider two stages of approximation. First we convert the integral equation to a moment problem and then we modify the new problem to two classes of optimization problems, non-constraint optimization problems and optimal control problems. Finally numerical examples is proposed.

Site Inspection and Evaluation Behavior of Qing Shang Concrete Bridge

It is necessary to evaluate the bridges conditions and strengthen bridges or parts of them. The reinforcement necessary due to some reasons can be summarized as: First, a changing in use of bridge could produce internal forces in a part of structural which exceed the existing cross-sectional capacity. Second, bridges may also need reinforcement because damage due to external factors which reduced the cross-sectional resistance to external loads. One of other factors could listed here its misdesign in some details, like safety of bridge or part of its.This article identify the design demands of Qing Shan bridge located in is in Heilongjiang Province He gang - Nen Jiang Road 303 provincial highway, Wudalianchi area, China, is an important bridge in the urban areas. The investigation program was include the observation and evaluate the damage in T- section concrete beams , prestressed concrete box girder bridges section in additional evaluate the whole state of bridge includes the pier , abutments , bridge decks, wings , bearing and capping beam, joints, ........etc. The test results show that the bridges in general structural condition are good. T beam span No 10 were observed, crack extended upward along the ribbed T beam, and continue to the T beam flange. Crack width varying between 0.1mm to 0.4mm, the maximum about 0.4mm. The bridge needs to be improved flexural bending strength especially at for T beam section.

MDA of Hexagonal Honeycomb Plates used for Space Applications

The purpose of this paper is to perform a multidisciplinary design and analysis (MDA) of honeycomb panels used in the satellites structural design. All the analysis is based on clamped-free boundary conditions. In the present work, detailed finite element models for honeycomb panels are developed and analysed. Experimental tests were carried out on a honeycomb specimen of which the goal is to compare the previous modal analysis made by the finite element method as well as the existing equivalent approaches. The obtained results show a good agreement between the finite element analysis, equivalent and tests results; the difference in the first two frequencies is less than 4% and less than 10% for the third frequency. The results of the equivalent model presented in this analysis are obtained with a good accuracy. Moreover, investigations carried out in this research relate to the honeycomb plate modal analysis under several aspects including the structural geometrical variation by studying the various influences of the dimension parameters on the modal frequency, the variation of core and skin material of the honeycomb. The various results obtained in this paper are promising and show that the geometry parameters and the type of material have an effect on the value of the honeycomb plate modal frequency.

Automatic Segmentation of Dermoscopy Images Using Histogram Thresholding on Optimal Color Channels

Automatic segmentation of skin lesions is the first step towards development of a computer-aided diagnosis of melanoma. Although numerous segmentation methods have been developed, few studies have focused on determining the most discriminative and effective color space for melanoma application. This paper proposes a novel automatic segmentation algorithm using color space analysis and clustering-based histogram thresholding, which is able to determine the optimal color channel for segmentation of skin lesions. To demonstrate the validity of the algorithm, it is tested on a set of 30 high resolution dermoscopy images and a comprehensive evaluation of the results is provided, where borders manually drawn by four dermatologists, are compared to automated borders detected by the proposed algorithm. The evaluation is carried out by applying three previously used metrics of accuracy, sensitivity, and specificity and a new metric of similarity. Through ROC analysis and ranking the metrics, it is shown that the best results are obtained with the X and XoYoR color channels which results in an accuracy of approximately 97%. The proposed method is also compared with two state-ofthe- art skin lesion segmentation methods, which demonstrates the effectiveness and superiority of the proposed segmentation method.

A Computationally Efficient Design for Prototype Filters of an M-Channel Cosine Modulated Filter Bank

The paper discusses a computationally efficient method for the design of prototype filters required for the implementation of an M-band cosine modulated filter bank. The prototype filter is formulated as an optimum interpolated FIR filter. The optimum interpolation factor requiring minimum number of multipliers is used. The model filter as well as the image suppressor will be designed using the Kaiser window. The method will seek to optimize a single parameter namely cutoff frequency to minimize the distortion in the overlapping passband.