Exploring Customer Trust in B2C Mobile Payments – A Qualitative Study

Mobile payments have been deployed by businesses for more than a decade. Customers use mobile payments if they trust in this relatively new payment method, have a belief and confidence in, as well as reliance on its services and applications. Despite its potential, the current literature shows that there is lack of customer trust in B2C mobile payments, and a lack of studies that determine the factors that influence their trust in these payments; which make these factors yet to be understood, especially in the Middle East region. Thus, this study aims to explore the factors that influence customer trust in mobile payments. The empirical data for this explorative study was collected by establishing four focus group sessions in the UAE. The results indicate that the explored significant factors can be classified into five main groups: customer characteristics, environmental (social and cultural) influences, provider characteristics, mobile-device characteristics, and perceived risks.

The Game of Synchronized Quadromineering

In synchronized games players make their moves simultaneously rather than alternately. Synchronized Quadromineering is the synchronized version of Quadromineering, a variants of a classical two-player combinatorial game called Domineering. Experimental results for small m × n boards (with m + n < 15) and some theoretical results for general k × n boards (with k = 4, 5, 6) are presented. Moreover, some Synchronized Quadromineering variants are also investigated.

Wireless Sensor Networks:Delay Guarentee and Energy Efficient MAC Protocols

Wireless sensor networks is an emerging technology that serves as environment monitors in many applications. Yet these miniatures suffer from constrained resources in terms of computation capabilities and energy resources. Limited energy resource in these nodes demands an efficient consumption of that resource either by developing the modules itself or by providing an efficient communication protocols. This paper presents a comprehensive summarization and a comparative study of the available MAC protocols proposed for Wireless Sensor Networks showing their capabilities and efficiency in terms of energy consumption and delay guarantee.

Environmental Management of the Tanning Industry's Supply Chain: An Integration Model from Lean Supply Chain, Green Supply Chain, Cleaner Production and ISO 14001:2004

The environmental impact caused by industries is an issue that, in the last 20 years, has become very important in terms of society, economics and politics in Colombia. Particularly, the tannery process is extremely polluting because of uneffective treatments and regulations given to the dumping process and atmospheric emissions. Considering that, this investigation is intended to propose a management model based on the integration of Lean Supply Chain, Green Supply Chain, Cleaner Production and ISO 14001-2004, that prioritizes the strategic components of the organizations. As a result, a management model will be obtained and it will provide a strategic perspective through a systemic approach to the tanning process. This will be achieved through the use of Multicriteria Decision tools, along with Quality Function Deployment and Fuzzy Logic. The strategic approach that embraces the management model using the alignment of Lean Supply Chain, Green Supply Chain, Cleaner Production and ISO 14001-2004, is an integrated perspective that allows a gradual frame of the tactical and operative elements through the correct setting of the information flow, improving the decision making process. In that way, Small Medium Enterprises (SMEs) could improve their productivity, competitiveness and as an added value, the minimization of the environmental impact. This improvement is expected to be controlled through a Dashboard that helps the Organization measure its performance along the implementation of the model in its productive process.

Classification of Initial Stripe Height Patterns using Radial Basis Function Neural Network for Proportional Gain Prediction

This paper aims to improve a fine lapping process of hard disk drive (HDD) lapping machines by removing materials from each slider together with controlling the strip height (SH) variation to minimum value. The standard deviation is the key parameter to evaluate the strip height variation, hence it is minimized. In this paper, a design of experiment (DOE) with factorial analysis by twoway analysis of variance (ANOVA) is adopted to obtain a statistically information. The statistics results reveal that initial stripe height patterns affect the final SH variation. Therefore, initial SH classification using a radial basis function neural network is implemented to achieve the proportional gain prediction.

Optimizing Feature Selection for Recognizing Handwritten Arabic Characters

Recognition of characters greatly depends upon the features used. Several features of the handwritten Arabic characters are selected and discussed. An off-line recognition system based on the selected features was built. The system was trained and tested with realistic samples of handwritten Arabic characters. Evaluation of the importance and accuracy of the selected features is made. The recognition based on the selected features give average accuracies of 88% and 70% for the numbers and letters, respectively. Further improvements are achieved by using feature weights based on insights gained from the accuracies of individual features.

Fractal Patterns for Power Quality Detection Using Color Relational Analysis Based Classifier

This paper proposes fractal patterns for power quality (PQ) detection using color relational analysis (CRA) based classifier. Iterated function system (IFS) uses the non-linear interpolation in the map and uses similarity maps to construct various fractal patterns of power quality disturbances, including harmonics, voltage sag, voltage swell, voltage sag involving harmonics, voltage swell involving harmonics, and voltage interruption. The non-linear interpolation functions (NIFs) with fractal dimension (FD) make fractal patterns more distinguishing between normal and abnormal voltage signals. The classifier based on CRA discriminates the disturbance events in a power system. Compared with the wavelet neural networks, the test results will show accurate discrimination, good robustness, and faster processing time for detecting disturbing events.

A Tool for Audio Quality Evaluation Under Hostile Environment

In this paper is to evaluate audio and speech quality with the help of Digital Audio Watermarking Technique under the different types of attacks (signal impairments) like Gaussian Noise, Compression Error and Jittering Effect. Further attacks are considered as Hostile Environment. Audio and Speech Quality Evaluation is an important research topic. The traditional way for speech quality evaluation is using subjective tests. They are reliable, but very expensive, time consuming, and cannot be used in certain applications such as online monitoring. Objective models, based on human perception, were developed to predict the results of subjective tests. The existing objective methods require either the original speech or complicated computation model, which makes some applications of quality evaluation impossible.

Enhanced Conference Organization Based On Correlation of Web Information and Ontology Based Expertise Search

From the importance of the conference and its constructive role in the studies discussion, there must be a strong organization that allows the exploitation of the discussions in opening new horizons. The vast amount of information scattered across the web, make it difficult to find experts, who can play a prominent role in organizing conferences. In this paper we proposed a new approach of extracting researchers- information from various Web resources and correlating them in order to confirm their correctness. As a validator of this approach, we propose a service that will be useful to set up a conference. Its main objective is to find appropriate experts, as well as the social events for a conference. For this application we us Semantic Web technologies like RDF and ontology to represent the confirmed information, which are linked to another ontology (skills ontology) that are used to present and compute the expertise.

Influence of Drought on Yield and Yield Components in White Bean

In order to study seed yield and seed yield components in bean under reduced irrigation condition and assessment drought tolerance of genotypes, 15 lines of White beans were evaluated in two separate RCB design with 3 replications under stress and non stress conditions. Analysis of variance showed that there were significant differences among varieties in terms of traits under study, indicating the existence of genetic variation among varieties. The results indicate that drought stress reduced seed yield, number of seed per plant, biological yield and number of pod in White been. In non stress condition, yield was highly correlated with the biological yield, whereas in stress condition it was highly correlated with harvest index. Results of stepwise regression showed that, selection can we done based on, biological yield, harvest index, number of seed per pod, seed length, 100 seed weight. Result of path analysis showed that the highest direct effect, being positive, was related to biological yield in non stress and to harvest index in stress conditions. Factor analysis were accomplished in stress and nonstress condition a, there were 4 factors that explained more than 76 percent of total variations. We used several selection indices such as Stress Susceptibility Index ( SSI ), Geometric Mean Productivity ( GMP ), Mean Productivity ( MP ), Stress Tolerance Index ( STI ) and Tolerance Index ( TOL ) to study drought tolerance of genotypes, we found that the best Stress Index for selection tolerance genotypes were STI, GMP and MP were the greatest correlations between these Indices and seed yield under stress and non stress conditions. In classification of genotypes base on phenotypic characteristics, using cluster analysis ( UPGMA ), all allels classified in 5 separate groups in stress and non stress conditions.

New Investigation of the Exchange Effects Role on the Elastic and Inelastic Scattering of α-Particles on 9Be

Elastic and inelastic scattering of α-particles by 9Be nuclei at different incident energies have been analyzed. Optical model parameters (OMPs) of α-particles elastic scattering by 9Be at different energies have been obtained. Coupled Reaction Channel (CRC) of elastic scattering, inelastic scattering and transfer reaction has been calculated using Fresco Code. The effect of involving CRC calculations on the analysis of differential cross section has been studied. The transfer reaction of (5He) in the reaction 9Be(α,9Be)α has been studied. The spectroscopic factor of 9Be≡α+5He has been extracted.

Factors Influencing Students' Self-Concept among Malaysian Students

This paper examines the students’ self-concept among 16- and 17- year- old adolescents in Malaysian secondary schools. Previous studies have shown that positive self-concept played an important role in student adjustment and academic performance during schooling. This study attempts to investigate the factors influencing students’ perceptions toward their own self-concept. A total of 1168 students participated in the survey. This study utilized the CoPs (UM) instrument to measure self-concept. Principal Component Analysis (PCA) revealed three factors: academic selfconcept, physical self-concept and social self-concept. This study confirmed that students perceived certain internal context factors, and revealed that external context factor also have an impact on their self-concept.

Two Individual Genetic Algorithm

The particular interests of this paper is to explore if the simple Genetic Algorithms (GA) starts with population of only two individuals and applying different crossover technique over these parents to produced 104 children, each one has different attributes inherited from their parents; is better than starting with population of 100 individuals; and using only one type crossover (order crossover OX). For this reason we implement GA with 52 different crossover techniques; each one produce two children; which means 104 different children will be produced and this may discover more search space, also we implement classic GA with order crossover and many experiments were done over 3 Travel Salesman Problem (TSP) to find out which method is better, and according to the results we can say that GA with Multi-crossovers is much better.

Multi-Walled Carbon Nanotubes/Polyacrylonitrile Composite as Novel Semi-Permeable Mixed Matrix Membrane in Reverse Osmosis Water Treatment Process

novel and simple method is introduced for rapid and highly efficient water treatment by reverse osmosis (RO) method using multi-walled carbon nanotubes (MWCNTs) / polyacrylonitrile (PAN) polymer as a flexible, highly efficient, reusable and semi-permeable mixed matrix membrane (MMM). For this purpose, MWCNTs were directly synthesized and on-line purified by chemical vapor deposition (CVD) process, followed by directing the MWCNT bundles towards an ultrasonic bath, in which PAN polymer was simultaneously suspended inside a solid porous silica support in water at temperature to ~70 οC. Fabrication process of MMM was finally completed by hot isostatic pressing (HIP) process. In accordance with the analytical figures of merit, the efficiency of fabricated MMM was ~97%. The rate of water treatment process was also evaluated to 6.35 L min-1. The results reveal that, the CNT-based MMM is suitable for rapid treatment of different forms of industrial, sea, drinking and well water samples.

Finite Element Prediction and Experimental Verification of the Failure Pattern of Proximal Femur using Quantitative Computed Tomography Images

This paper presents a novel method for prediction of the mechanical behavior of proximal femur using the general framework of the quantitative computed tomography (QCT)-based finite element Analysis (FEA). A systematic imaging and modeling procedure was developed for reliable correspondence between the QCT-based FEA and the in-vitro mechanical testing. A speciallydesigned holding frame was used to define and maintain a unique geometrical reference system during the analysis and testing. The QCT images were directly converted into voxel-based 3D finite element models for linear and nonlinear analyses. The equivalent plastic strain and the strain energy density measures were used to identify the critical elements and predict the failure patterns. The samples were destructively tested using a specially-designed gripping fixture (with five degrees of freedom) mounted within a universal mechanical testing machine. Very good agreements were found between the experimental and the predicted failure patterns and the associated load levels.

Evolutionary Training of Hybrid Systems of Recurrent Neural Networks and Hidden Markov Models

We present a hybrid architecture of recurrent neural networks (RNNs) inspired by hidden Markov models (HMMs). We train the hybrid architecture using genetic algorithms to learn and represent dynamical systems. We train the hybrid architecture on a set of deterministic finite-state automata strings and observe the generalization performance of the hybrid architecture when presented with a new set of strings which were not present in the training data set. In this way, we show that the hybrid system of HMM and RNN can learn and represent deterministic finite-state automata. We ran experiments with different sets of population sizes in the genetic algorithm; we also ran experiments to find out which weight initializations were best for training the hybrid architecture. The results show that the hybrid architecture of recurrent neural networks inspired by hidden Markov models can train and represent dynamical systems. The best training and generalization performance is achieved when the hybrid architecture is initialized with random real weight values of range -15 to 15.

The Evaluation and the Comparison of the Effect of Without Engine Power and Power Mechanical Systems on Rice Weed

In order to study the influence of different methods of controlling weeds such as mechanical weeding and mechanical weeder efficiency analysis in mechanical cultivation conditions, in farming year of 2011 an experiment was done in a farm in coupling and development of technology center in Haraz,Iran. The treatments consisted of (I) control treatment: where no weeding was done, (II) use of mechanical weeding without engine and (III) power mechanical weeding. Results showed that experimental treatments had significantly different effects (p=0.05) on yield traits and number of filled grains per panicle, while treatments had the significant effects on grain weight and dry weight of weeds in the first, second and third weeding methods at 1% of confidence level. Treatment (II) had its most significant effect on number of filled grains per panicle and yield performance standpoint, which was 3705.97 kg ha-1 in its highest peak. Treatment (III) was ranked as second influential with 3559.8 kg ha-1. In addition, under (I) treatments, 2364.73 kg ha-1 of yield produced. The minimum dry weights of weeds in all weeding methods were related to the treatment (II), (III) and (I), respectively. The correlation coefficient analysis showed that total yield had a significant positive correlation with the panicle grain yield per plant (r= 0.55*) and the number of grains per panicle-1 (r= 0.57*) and the number of filled grains (r= 0.63*). Total rice yield also had negative correlation of r= -0. 64* with weed dry weight at second weed sampling time (17 DAT). The weed dry weight at third and fourth sampling times (24 and 40 DAT) had negative correlations of -0.65** and r=-0.61* with rice yield, respectively.

Study of the Sorption of Biosurfactants from l. Pentosus on Sediments

Losses of surfactant due to sorption need to be considered when selecting surfactant doses for soil bioremediation. The degree of surfactant sorption onto soil depends primarily on the organic carbon fraction of soil and the chemical nature of the surfactant. The use of biosurfactants in the control of the bioavailability of toxicants in soils is an attractive option because of their biodegradability. In this work biosurfactants were produced from a cheap raw material, trimming vine shoots, employing Lactobacillus pentosus. When biosurfactants from L. pentosus was added to sediments the surface tensión of the water containing the sediments rapidly increase, the same behaviour was observed with the chemical surfactant Tween 20; whereas sodyum dodecyl sulphate (SDS) kept the surface tension of the water around 36 mN/m. It means, that the behaviour of biosurfactants from L. pentosus is more similar to non-ionic surfactatns than to anionic surfactants.

Data and Control Flow Analysis of VDMµ Specifications

Formal Specification languages are being widely used for system specification and testing. Highly critical systems such as real time systems, avionics, and medical systems are represented using Formal specification languages. Formal specifications based testing is mostly performed using black box testing approaches thus testing only the set of inputs and outputs of the system. The formal specification language such as VDMµ can be used for white box testing as they provide enough constructs as any other high level programming language. In this work, we perform data and control flow analysis of VDMµ class specifications. The proposed work is discussed with an example of SavingAccount.

The Global Crisis, Remittance Transfers, and Livelihoods of the Poor

With the global financial crisis turning into what more and more appears to be a prolonged “Great Recession", we are witnessing marked reductions in remittance transfers to developing countries with the likely possibility that overall flows will decline even further in the near future. With countless families reliant on remittance inflows as a source of income maintaining their economic livelihood, a reduction would put many at risk of falling below or deeper into poverty. Recognizing the importance of remittance inflows as a lifeline to the poor, policy should aim to (1) reduce the barriers to remit in both sending and receiving nations thus easing the decline in transfers; (2) leverage the development impacts of remittances; and (3) buffer vulnerable groups dependent on remittance transfers as a source of livelihood through sound countercyclical macroeconomic policies.