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 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: 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: 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: 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: 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.
Abstract: Wastages such as grated coconut meat, spent tea and used sugarcane had contributed negative impacts to the environment. Vermicomposting method is fully utilized to manage the wastes towards a more sustainable approach. The worms that are used in the vermicomposting are Eisenia foetida and Eudrillus euginae. This research shows that the vermicompost of wastages has voltage of electrical energy and is able to light up the Light-Emitting Diode (LED) device. Based on the experiment, the use of replicated and double compartments of the component will produce double of voltage. Hence, for conclusion, this harmless and low cost technology of vermicompost can act as a dry cell in order to reduce the usage of hazardous chemicals that can contaminate the environment.
Abstract: The resistive-inductive-capacitive behavior of long
interconnects which are driven by CMOS gates are presented in this
paper. The analysis is based on the ¤Ç-model of a RLC load and is
developed for submicron devices. Accurate and analytical
expressions for the output load voltage, the propagation delay and the
short circuit power dissipation have been proposed after solving a
system of differential equations which accurately describe the
behavior of the circuit. The effect of coupling capacitance between
input and output and the short circuit current on these performance
parameters are also incorporated in the proposed model. The
estimated proposed delay and short circuit power dissipation are in
very good agreement with the SPICE simulation with average
relative error less than 6%.
Abstract: Prediction of viscosity of natural gas is an important parameter in the energy industries such as natural gas storage and transportation. In this study viscosity of different compositions of natural gas is modeled by using an artificial neural network (ANN) based on back-propagation method. A reliable database including more than 3841 experimental data of viscosity for testing and training of ANN is used. The designed neural network can predict the natural gas viscosity using pseudo-reduced pressure and pseudo-reduced temperature with AARD% of 0.221. The accuracy of designed ANN has been compared to other published empirical models. The comparison indicates that the proposed method can provide accurate results.
Abstract: The permanent magnet synchronous motor (PMSM) is
very useful in many applications. Vector control of PMSM is popular
kind of its control. In this paper, at first an optimal vector control for
PMSM is designed and then results are compared with conventional
vector control. Then, it is assumed that the measurements are noisy
and linear quadratic Gaussian (LQG) methodology is used to filter
the noises. The results of noisy optimal vector control and filtered
optimal vector control are compared to each other. Nonlinearity of
PMSM and existence of inverter in its control circuit caused that the
system is nonlinear and time-variant. With deriving average model,
the system is changed to nonlinear time-invariant and then the
nonlinear system is converted to linear system by linearization of
model around average values. This model is used to optimize vector
control then two optimal vector controls are compared to each other.
Simulation results show that the performance and robustness to noise
of the control system has been highly improved.
Abstract: Network management techniques have long been of
interest to the networking research community. The queue size plays
a critical role for the network performance. The adequate size of the
queue maintains Quality of Service (QoS) requirements within
limited network capacity for as many users as possible. The
appropriate estimation of the queuing model parameters is crucial for
both initial size estimation and during the process of resource
allocation. The accurate resource allocation model for the
management system increases the network utilization. The present
paper demonstrates the results of empirical observation of memory
allocation for packet-based services.
Abstract: Light is one of the most important qualitative and
symbolic factors and has a special position in architecture and urban
development in regard to practical function. The main function of
light, either natural or artificial, is lighting up the environment and
the constructional forms which is called lighting. However, light is
used to redefine the urban spaces by architectural genius with regard
to three aesthetic, conceptual and symbolic factors. In architecture
and urban development, light has a function beyond lighting up the
environment, and the designers consider it as one of the basic
components. The present research aims at studying the function of
light and color in architectural view and their effects in buildings.
Abstract: The computer, among the most important inventions of the twentieth century, has become an increasingly important component in our everyday lives. Computer games also have become increasingly popular among people day-by-day, owing to their features based on realistic virtual environments, audio and visual features, and the roles they offer players. In the present study, the metaphors students have for computer games are investigated, as well as an effort to fill the gap in the literature. Students were asked to complete the sentence—‘Computer game is like/similar to….because….’— to determine the middle school students’ metaphorical images of the concept for ‘computer game’. The metaphors created by the students were grouped in six categories, based on the source of the metaphor. These categories were ordered as ‘computer game as a means of entertainment’, ‘computer game as a beneficial means’, ‘computer game as a basic need’, ‘computer game as a source of evil’, ‘computer game as a means of withdrawal’, and ‘computer game as a source of addiction’, according to the number of metaphors they included.
Abstract: The traditional software product and process metrics
are neither suitable nor sufficient in measuring the complexity of
software components, which ultimately is necessary for quality and
productivity improvement within organizations adopting CBSE.
Researchers have proposed a wide range of complexity metrics for
software systems. However, these metrics are not sufficient for
components and component-based system and are restricted to the
module-oriented systems and object-oriented systems. In this
proposed study it is proposed to find the complexity of the JavaBean
Software Components as a reflection of its quality and the component
can be adopted accordingly to make it more reusable. The proposed
metric involves only the design issues of the component and does not
consider the packaging and the deployment complexity. In this way,
the software components could be kept in certain limit which in turn
help in enhancing the quality and productivity.
Abstract: The study was a case study analysis about Thai Asia
Pacific Brewery Company. The purpose was to analyze the
company’s marketing objective, marketing strategy at company level,
and marketing mix before liquor liberalization in 2000. Methods used
in this study were qualitative and descriptive research approach
which demonstrated the following results of the study demonstrated
as follows: (1) Marketing objective was to increase market share of
Heineken and Amtel, (2) the company’s marketing strategies were
brand building strategy and distribution strategy. Additionally, the
company also conducted marketing mix strategy as follows. Product
strategy: The company added more beer brands namely Amstel and
Tiger to provide additional choice to consumers, product and
marketing research, and product development. Price strategy: the
company had taken the following into consideration: cost,
competitor, market, economic situation and tax. Promotion strategy:
the company conducted sales promotion and advertising. Distribution
strategy: the company extended channels its channels of distribution
into food shops, pubs and various entertainment places. This strategy
benefited interested persons and people who were engaged in the beer
business.
Abstract: Domineering is a classic two-player combinatorial
game usually played on a rectangular board. Three-player Domineering
is the three-player version of Domineering played on a three
dimensional board. Experimental results are presented for x×y ×z
boards with x + y + z < 10 and x, y, z ≥ 2. Also, some theoretical
results are shown for 2 × 2 × n board with n even and n ≥ 4.