Internet banking plays significant role in the development of banking business in our country. An application of electronic service brings predominant changes in the way of doing banking transactions. In simpler terms, internet banking refers to banking through bank’s website with the help of internet connection. Internet banking provides lot of benefits to the customers as well as the banks. Internet banking provides different kinds of services to the customers in the form checking balances, account statement, pay utility bills etc
José Carlos Sánchez Prieto, Susana Olmos Migueláñez and Francisco J. García-Peñalvo.
Research Group in InterAction and eLearning (GRIAL)
IUCE
University of Salamanca
Understanding User’s Acceptance of Personal Cloud Computing: Using the Techno...Maurice Dawson
Personal Cloud Computing (PCC) is a rapidly growing technology, addressing the market demand of individual users for access to available and reliable resources. But like other new technologies, concerns and issues have surfaced with the adoption of PCC. Users deciding whether to adopt PCC may be concerned about the ease of use, usefulness, or security risks in the cloud. Negative attitudes toward using a technology have been found to negatively impact the success of that technology. The purpose of this study was to understand users’ acceptance of PCC. The population sample consisted of individual users within the United States between 18 and 80 years of age. The theoretical framework utilized in this study was based on the technology acceptance model (TAM). A web survey was conducted to assess the measurement and understanding of patterns demonstrated by participants. Our results shows that in spite of the potential benefits of PCC, security and privacy risks are deterring many users from moving towards PCC.
FACTORS INFLUENCING THE ADOPTION OF E-GOVERNMENT SERVICES IN PAKISTANMuhammad Ahmad
E-government provides opportunities to deliver various services more effectively and better serve citizens. In developing countries, e-government initiatives provide services that have been previously inaccessible to their citizens. However, e-government initiatives in developing countries are still in their infancy and face a wide range of barriers that restrict wide-spread use. Like many other developing countries, Pakistan has a low level of e-government services adoption. Previous research has investigated e-government services in developing countries from the organizational perspective. However, the research stream suffers from an absence of studies that have investigated e-government from a citizen’s perspective. The success of e-government services depends on government support as well as on citizen’s adoption. This paper aims to fill this gap by exploring the challenges and barriers of e-government services from the user’s perspective. In this study, an amended version of the UTAUT model is used to investigate the factors influencing the uptake of e-government services in Pakistan. The results show that the factors influencing the adoption of e-government services in Pakistan are related to ease of use, usefulness, social influence, technological issues, lack of awareness, data privacy, and trust. Implications for e-businesses and government policy decision makers are also considered in this study.
José Carlos Sánchez Prieto, Susana Olmos Migueláñez and Francisco J. García-Peñalvo.
Research Group in InterAction and eLearning (GRIAL)
IUCE
University of Salamanca
Understanding User’s Acceptance of Personal Cloud Computing: Using the Techno...Maurice Dawson
Personal Cloud Computing (PCC) is a rapidly growing technology, addressing the market demand of individual users for access to available and reliable resources. But like other new technologies, concerns and issues have surfaced with the adoption of PCC. Users deciding whether to adopt PCC may be concerned about the ease of use, usefulness, or security risks in the cloud. Negative attitudes toward using a technology have been found to negatively impact the success of that technology. The purpose of this study was to understand users’ acceptance of PCC. The population sample consisted of individual users within the United States between 18 and 80 years of age. The theoretical framework utilized in this study was based on the technology acceptance model (TAM). A web survey was conducted to assess the measurement and understanding of patterns demonstrated by participants. Our results shows that in spite of the potential benefits of PCC, security and privacy risks are deterring many users from moving towards PCC.
FACTORS INFLUENCING THE ADOPTION OF E-GOVERNMENT SERVICES IN PAKISTANMuhammad Ahmad
E-government provides opportunities to deliver various services more effectively and better serve citizens. In developing countries, e-government initiatives provide services that have been previously inaccessible to their citizens. However, e-government initiatives in developing countries are still in their infancy and face a wide range of barriers that restrict wide-spread use. Like many other developing countries, Pakistan has a low level of e-government services adoption. Previous research has investigated e-government services in developing countries from the organizational perspective. However, the research stream suffers from an absence of studies that have investigated e-government from a citizen’s perspective. The success of e-government services depends on government support as well as on citizen’s adoption. This paper aims to fill this gap by exploring the challenges and barriers of e-government services from the user’s perspective. In this study, an amended version of the UTAUT model is used to investigate the factors influencing the uptake of e-government services in Pakistan. The results show that the factors influencing the adoption of e-government services in Pakistan are related to ease of use, usefulness, social influence, technological issues, lack of awareness, data privacy, and trust. Implications for e-businesses and government policy decision makers are also considered in this study.
Extending UTAUT to explain social media adoption by microbusinessesDebashish Mandal
This paper establishes inadequacies of the Unified Theory of Acceptance and Use of Technology (UTAUT) theory to explain social media adoption by microbusinesses. Literature review confirms the explaining power of UTAUT in variety of technology adoption by businesses. This paper uses UTAUT theory to implement social media technology in microbusinesses. Canonical action research method is adopted to introduce social media in microbusinesses. A post positivist approach is used to report the results based on a predetermined premise. It was found that the major constructs of performance and effort expectancy played insignificant role in establishing behavioural and adoption intention of social media by microbusinesses. Social influence and facilitating condition did not influence the behavioural intentions of the microbusiness owners. Individual characteristics and codification effort dominated the use behaviour. Goal of gaining customers leads to behavioural modification resulting in replacing of behavioural intention with goals as a superior method of predicting adoption behaviour within the context of microbusinesses. This paper extends the UTAUT to explain social media adoption in microbusinesses.
Analysis of the User Acceptance for Implementing ISO/IEC 27001:2005 in Turkis...IJMIT JOURNAL
This study aims to develop a model for the user acceptance for implementing the information security standard (i.e. ISO 27001) in Turkish public organizations. The results of the surveys performed in Turkey reveal that the legislation on information security public which organizations have to obey is significantly related with the user acceptance during ISO 27001 implementation process. The fundamental components of our user acceptance model are perceived usefulness, attitude towards use, social norms, and performance expectancy.
The case for ubuntu linux operating system performance and usabilMaurice Dawson
The use of Linux based Operating Systems (OS) in the classroom is increasing, but there is little research to address usability differences between Windows and Linux based OSs. Moreover, studies related to the ability for students to navigate effectively between Ubuntu 14.04 Long Term Support (LTS) and Windows 8 OSs are scant. This research aims to bridge the gap between modern Linux and Windows Oss, as the former represents a viable alternative to eliminate licensing costs for educational institutions. Preliminary findings, based on the analysis of the System Usability Scale results from a sample of 14 students, demonstrated that Ubuntu users did not require technical support to use the system, while the majority found little inconsistency in the system and regarded it as well integrated.
How institutions make decisions to accept or reject technology innovation has been explored by academics with the assistance of the Technology Acceptance Model (TAM). Scenarios involving successful delivery of online learning from degree granting universities guide this literature review. It examines decision processes influenced by TAM methods combined with dominant research perspectives such as Self-efficacy Theory and Universal Technology Adoption and Use Theory. This paper analyzes which variables determine perceptions of usefulness, attitude and preferences and become frequent factors to influence typical TAM results. It identifies patterns about reliable predictors of outcomes (behaviors, aligning IT and preferences) for educational investments in learning environments, content delivery and teacher preferences. Adoption of technology is a complex, inherently social process guided by perceptions or misperception of value and ease of use. Thus, facilitating a decision to adopt devices, software or processes must address emotional, cognitive, and contextual concerns of all stakeholders.
Prepared for TCC conference, 2011
Preliminary Research on Adoption and Diffusion Model of SMEs E-Learning in Th...www.nbtc.go.th
Preliminary Research on Adoption
and Diffusion Model of SMEs
E-Learning in Thailand
Noppadol Tiamnara
Office of the National Broadcasting
and Telecommunications Commission, Thailand
The contribution of SMEs to
economic growth is widely recognized and
Thailand is one of the countries where
SMEs have always played a primary role in
digital economy environment. This paper is
a research-in-progress which aims to
construct a conceptual framework to
understand adoption and diffusion of
e-learning among small and medium-sized
enterprises (SMEs) in Thailand. Various
models of technology acceptance and
adoption are reviewed in this research to
analyze and apply for developing the
conceptual framework of the research. The
future work of the research is explained.
The results of the research in this paper will
provide recommendations to support SMEs
to utilize e-learning to foster the economic
impacts to the country. Analysis in this
research is based on quantitative approach.
Reference
http://www.ijcim.th.org/SpecialEditions/v23nSP2/02_25A_Preliminary.pdf
A Study of Technology Acceptance Model (TAM) In Understanding the Efficacy of...inventionjournals
Global usage of automated system in all fields has remarkably increased in the past decades. To understand the extensive usage of the Information system, the study is undertaken where the Technology Acceptance Model (TAM) is used to see the extent to which an Information System (IS) is able to make any HR routine activity in the institution to be automated; whereby, the information obtained is effective and reliable. The study undertook in this article focuses on the reliability test in order to test the reliability of the scale and also the correlation test in order to find the rate of correlation between the various components of the TAM model – Perceived Usefulness (PU), Perceived Ease of Use (PEOU), Attitude towards change (ATU) and Behavioral Intention towards use (BIU). The study indicated that the null hypothesis is accepted where there is significant positive change in the Perceived Ease of Use, Attitude of the User and the Behavioral intention of the user towards using the HRIS tool in any organization. This led to understanding from the study that there is a very high rate of effectiveness in the usage of HRIS tool in any institutions using, which is proved using the TAM model.
The delone and mclean model of information systems successHamideh Iraj
The delone and mclean model of information systems success
The main Resource:
Integrated Series in Information Systems, Volume 28, Information Systems Theory Explaining and Predicting Our Digital Society, Vol. 1, Springer; 2012 edition
Improving Technological Services and Its Effect on the Police’s PerformanceEditor IJCATR
The role of police department in any country is critical. It is obvious that improving the technology in police department can
be done with safety and contributes to improve its economy. This paper, first tries to recognize the existed weaknesses in used
technologies. Then, it will suggest the best approach. The proposed framework of this study points out to two different moderating
roles that can be considered as technical contributions. Moreover, the combination of this proposed framework is new for current
study. This framework is concentrated on technology improvement, knowledge management system, technology acceptance, police
performance, and ministry performance
The purpose of the current study is to propose discriminated management strategies for mobile
learning environments after observing the effects of mobile self-efficacy on performance
expectancy and effort expectancy, the social influence on intention of use, and the effects of
facilitating conditions and intention of use on learners' actual use of mobile learning by adding
mobile self-efficacy to the UTAUT model proposed by Venkatesh et al. (2003). We established
hypotheses to determine whether mobile self-efficacy, performance expectancy, effort
expectancy, social influence, and facilitating conditions affect intention of use and whether
intention of use affects actual use. Results showed that when mobile self-efficacy and
performance expectancy is higher, so is the intention of using mobile learning services. It was
confirmed that the factors had significant indirect effects on the actual use by mediating the
intention of use and that the intention of use directly affected actual use. However, the current
research reported that effort expectancy, social influence, and facilitation conditions did not
have significant effects on the intention of using mobile learning services. These results will
contribute substantially to the design of effective mobile learning environments.
E-GOVERNANCE ADOPTION IN GOVERNMENT ORGANIZATION OF INDIAijmpict
India, the growing economic super-power proceeded with lightning speed towards the adoption and successful implementation of e-governance. The Government of West Bengal (federal unit of India) implemented e-governance in pension office i.e. Pension Management System (PMS), for faster and efficient delivery of public services. The success of PMS is dependent on many factors and one among them is the successful adoption by the employee which has been empirically analyzed. The study used the
Technology Acceptance Model (TAM) and Trust to build a conceptual model. Data collected from 60 employees working on the system and the model is assessed with regression analyses. The findings show that the determinants of the research model are support. The study also shows that the system doesn’t perform completely error free tasks which the Government of West Bengal should address. This is the first study of employee adoption of e-governance in pension office of India.
Predicting customer's intentions to use internet banking: the role of technol...Samar Rahi
Information and communication technology (ICT) developments and trends in recent years have
had great impacts on banking sector worldwide. Therefore, the disruptive innovative technology
has accelerated changes in the way of banking business. The purpose of this paper is to explore the
factors that influence on Pakistani customer’s intentions to adopt internet banking. The sample
used in this empirical study includes 265 responses of internet banking users collected through
structured questionnaire. For statistical analysis, structural equation model (SEM) approach was
used. The present study suggests that internet banking use increases as long as customer perceives
it as useful tool. Findings confirmed that perceived usefulness, perceived ease of use and attitude
were the key constructs for promoting internet banking usage in Pakistan. Furthermore, the importance
performance matrix analysis has shown that attitude was the most important factor. Thus,
banks can focus on cultivation of positive attitudinal beliefs about internet banking among prospect
customers.
International Journal of Business and Management Invention (IJBMI)inventionjournals
International Journal of Business and Management Invention (IJBMI) is an international journal intended for professionals and researchers in all fields of Business and Management. IJBMI publishes research articles and reviews within the whole field Business and Management, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online
Extending UTAUT to explain social media adoption by microbusinessesDebashish Mandal
This paper establishes inadequacies of the Unified Theory of Acceptance and Use of Technology (UTAUT) theory to explain social media adoption by microbusinesses. Literature review confirms the explaining power of UTAUT in variety of technology adoption by businesses. This paper uses UTAUT theory to implement social media technology in microbusinesses. Canonical action research method is adopted to introduce social media in microbusinesses. A post positivist approach is used to report the results based on a predetermined premise. It was found that the major constructs of performance and effort expectancy played insignificant role in establishing behavioural and adoption intention of social media by microbusinesses. Social influence and facilitating condition did not influence the behavioural intentions of the microbusiness owners. Individual characteristics and codification effort dominated the use behaviour. Goal of gaining customers leads to behavioural modification resulting in replacing of behavioural intention with goals as a superior method of predicting adoption behaviour within the context of microbusinesses. This paper extends the UTAUT to explain social media adoption in microbusinesses.
Analysis of the User Acceptance for Implementing ISO/IEC 27001:2005 in Turkis...IJMIT JOURNAL
This study aims to develop a model for the user acceptance for implementing the information security standard (i.e. ISO 27001) in Turkish public organizations. The results of the surveys performed in Turkey reveal that the legislation on information security public which organizations have to obey is significantly related with the user acceptance during ISO 27001 implementation process. The fundamental components of our user acceptance model are perceived usefulness, attitude towards use, social norms, and performance expectancy.
The case for ubuntu linux operating system performance and usabilMaurice Dawson
The use of Linux based Operating Systems (OS) in the classroom is increasing, but there is little research to address usability differences between Windows and Linux based OSs. Moreover, studies related to the ability for students to navigate effectively between Ubuntu 14.04 Long Term Support (LTS) and Windows 8 OSs are scant. This research aims to bridge the gap between modern Linux and Windows Oss, as the former represents a viable alternative to eliminate licensing costs for educational institutions. Preliminary findings, based on the analysis of the System Usability Scale results from a sample of 14 students, demonstrated that Ubuntu users did not require technical support to use the system, while the majority found little inconsistency in the system and regarded it as well integrated.
How institutions make decisions to accept or reject technology innovation has been explored by academics with the assistance of the Technology Acceptance Model (TAM). Scenarios involving successful delivery of online learning from degree granting universities guide this literature review. It examines decision processes influenced by TAM methods combined with dominant research perspectives such as Self-efficacy Theory and Universal Technology Adoption and Use Theory. This paper analyzes which variables determine perceptions of usefulness, attitude and preferences and become frequent factors to influence typical TAM results. It identifies patterns about reliable predictors of outcomes (behaviors, aligning IT and preferences) for educational investments in learning environments, content delivery and teacher preferences. Adoption of technology is a complex, inherently social process guided by perceptions or misperception of value and ease of use. Thus, facilitating a decision to adopt devices, software or processes must address emotional, cognitive, and contextual concerns of all stakeholders.
Prepared for TCC conference, 2011
Preliminary Research on Adoption and Diffusion Model of SMEs E-Learning in Th...www.nbtc.go.th
Preliminary Research on Adoption
and Diffusion Model of SMEs
E-Learning in Thailand
Noppadol Tiamnara
Office of the National Broadcasting
and Telecommunications Commission, Thailand
The contribution of SMEs to
economic growth is widely recognized and
Thailand is one of the countries where
SMEs have always played a primary role in
digital economy environment. This paper is
a research-in-progress which aims to
construct a conceptual framework to
understand adoption and diffusion of
e-learning among small and medium-sized
enterprises (SMEs) in Thailand. Various
models of technology acceptance and
adoption are reviewed in this research to
analyze and apply for developing the
conceptual framework of the research. The
future work of the research is explained.
The results of the research in this paper will
provide recommendations to support SMEs
to utilize e-learning to foster the economic
impacts to the country. Analysis in this
research is based on quantitative approach.
Reference
http://www.ijcim.th.org/SpecialEditions/v23nSP2/02_25A_Preliminary.pdf
A Study of Technology Acceptance Model (TAM) In Understanding the Efficacy of...inventionjournals
Global usage of automated system in all fields has remarkably increased in the past decades. To understand the extensive usage of the Information system, the study is undertaken where the Technology Acceptance Model (TAM) is used to see the extent to which an Information System (IS) is able to make any HR routine activity in the institution to be automated; whereby, the information obtained is effective and reliable. The study undertook in this article focuses on the reliability test in order to test the reliability of the scale and also the correlation test in order to find the rate of correlation between the various components of the TAM model – Perceived Usefulness (PU), Perceived Ease of Use (PEOU), Attitude towards change (ATU) and Behavioral Intention towards use (BIU). The study indicated that the null hypothesis is accepted where there is significant positive change in the Perceived Ease of Use, Attitude of the User and the Behavioral intention of the user towards using the HRIS tool in any organization. This led to understanding from the study that there is a very high rate of effectiveness in the usage of HRIS tool in any institutions using, which is proved using the TAM model.
The delone and mclean model of information systems successHamideh Iraj
The delone and mclean model of information systems success
The main Resource:
Integrated Series in Information Systems, Volume 28, Information Systems Theory Explaining and Predicting Our Digital Society, Vol. 1, Springer; 2012 edition
Improving Technological Services and Its Effect on the Police’s PerformanceEditor IJCATR
The role of police department in any country is critical. It is obvious that improving the technology in police department can
be done with safety and contributes to improve its economy. This paper, first tries to recognize the existed weaknesses in used
technologies. Then, it will suggest the best approach. The proposed framework of this study points out to two different moderating
roles that can be considered as technical contributions. Moreover, the combination of this proposed framework is new for current
study. This framework is concentrated on technology improvement, knowledge management system, technology acceptance, police
performance, and ministry performance
The purpose of the current study is to propose discriminated management strategies for mobile
learning environments after observing the effects of mobile self-efficacy on performance
expectancy and effort expectancy, the social influence on intention of use, and the effects of
facilitating conditions and intention of use on learners' actual use of mobile learning by adding
mobile self-efficacy to the UTAUT model proposed by Venkatesh et al. (2003). We established
hypotheses to determine whether mobile self-efficacy, performance expectancy, effort
expectancy, social influence, and facilitating conditions affect intention of use and whether
intention of use affects actual use. Results showed that when mobile self-efficacy and
performance expectancy is higher, so is the intention of using mobile learning services. It was
confirmed that the factors had significant indirect effects on the actual use by mediating the
intention of use and that the intention of use directly affected actual use. However, the current
research reported that effort expectancy, social influence, and facilitation conditions did not
have significant effects on the intention of using mobile learning services. These results will
contribute substantially to the design of effective mobile learning environments.
E-GOVERNANCE ADOPTION IN GOVERNMENT ORGANIZATION OF INDIAijmpict
India, the growing economic super-power proceeded with lightning speed towards the adoption and successful implementation of e-governance. The Government of West Bengal (federal unit of India) implemented e-governance in pension office i.e. Pension Management System (PMS), for faster and efficient delivery of public services. The success of PMS is dependent on many factors and one among them is the successful adoption by the employee which has been empirically analyzed. The study used the
Technology Acceptance Model (TAM) and Trust to build a conceptual model. Data collected from 60 employees working on the system and the model is assessed with regression analyses. The findings show that the determinants of the research model are support. The study also shows that the system doesn’t perform completely error free tasks which the Government of West Bengal should address. This is the first study of employee adoption of e-governance in pension office of India.
Predicting customer's intentions to use internet banking: the role of technol...Samar Rahi
Information and communication technology (ICT) developments and trends in recent years have
had great impacts on banking sector worldwide. Therefore, the disruptive innovative technology
has accelerated changes in the way of banking business. The purpose of this paper is to explore the
factors that influence on Pakistani customer’s intentions to adopt internet banking. The sample
used in this empirical study includes 265 responses of internet banking users collected through
structured questionnaire. For statistical analysis, structural equation model (SEM) approach was
used. The present study suggests that internet banking use increases as long as customer perceives
it as useful tool. Findings confirmed that perceived usefulness, perceived ease of use and attitude
were the key constructs for promoting internet banking usage in Pakistan. Furthermore, the importance
performance matrix analysis has shown that attitude was the most important factor. Thus,
banks can focus on cultivation of positive attitudinal beliefs about internet banking among prospect
customers.
International Journal of Business and Management Invention (IJBMI)inventionjournals
International Journal of Business and Management Invention (IJBMI) is an international journal intended for professionals and researchers in all fields of Business and Management. IJBMI publishes research articles and reviews within the whole field Business and Management, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online
E-BANKING IMPLEMENTATION AND TECHNOLOGY ACCEPTANCE IN THE RAFIDAIN AND RASHEE...Hosam alden
n the third millennium, e-banking system has been adopted globally in the banking industry. On the other hand, Iraq as a nation with less developed IT adoption has not integrated this system in its banking services, instead of its current acknowledgement on the advantages of ebanking technology in competition among banking service providers. In
contrast, Iraqi banks still keep on adopting traditional banking system to
deliver the majority of their services which in this case are paper-based
work system. This is greatly resulted from the hesitation of bank
employees to adopt new banking technologies. This study aims to
identify the impact of hypothesis between e-banking system and Iraqi
banks employee perspective. This study was conducted by taking sample
of employee from two biggest public banks in Iraq which are ALRAFIDAIN and AL-RASHEED. A survey through questionnaires on the
website was used as the instrument to collect the data were analyzed
using PLS software. Technology Acceptance model(TAM) as a basic
foundation with independent variables Perceived Usefulness, Perceived
Ease of Use, Perceived IT Beliefs and Task–Technology Fit, Attitude as
Intervening and Intention to Use as dependent variable. The result of
hypothesis analysis reveals that there is a significant impact among all
variables to attitude, but Perceived Ease of Use, it does not apply variable
from those analysis it is depicted that Perceived Ease of Use does not impact to the perception of the implementation of e-banking system in Iraqi banks.
DIGITAL BANKING MADE TRANSACTION MORE TRUSTED AND SECURED?IAEME Publication
This research was conducted to find out customer's response in digital banking
era using TAM and UTAUT model. Questionnaires filled bank account owner who
have often used digital banking. Results based previous research most customers have
been able to adjust to the digital banking. There is short comings facilities in digital
banking i.e. small banks still use digital banking as window dressing to attract
customers, the front-page display is too confusing, often broken, security is not
guaranteed. Recommendations have been given to the bank's management, as input
for improvement in the future.
Impact of Information Technology on Performance of Banks in NigeriaAJHSSR Journal
Over the last two decades, the Nigerian banking sector has witnessed some upsurge in the use
of technology for service delivery. However, concerns have been expressed as to whether cost and other
challenges of adopting information technology can be justified by performance. Accordingly, this study sought
to examine the relationship between different e-banking channels and the profitability of organisations in
Nigeria. Four e-banking channels,(automatic teller machines, point of sales, internet banking transactions and
electronic mobile banking) were identified and regressed against return on equity (ROE) of Deposit Money
Banks operating in Nigeria between 2006 and 2016. A panel data regression model was formulated and tested
using the generalized method of moment approach. The result revealed that the overall impact of electronic
banking on profitability of Deposit Money Banks operating in Nigeria was significant and positive. The study
recommends that critical stakeholders and beneficiaries of electronic banking – the government, regulatory
authorities and the banks should collaborate to put in place an enabling operating environment and an effective
regulatory framework to bring about optimal deployment of these services to customers
The Impact of Customers Perception on Cost of Internet Banking on Its Usage i...paperpublications3
Abstract: Internet banking allows banks to provide information and offer services to their customers conveniently using the internet technology. However, studies have shown that customers have perceptions that impact on the uptake and continuous usage of the platform. The purpose of this study is to understand the effect of customer perceptions on usage of internet banking in commercial banks in Kenya. This study used descriptive research design while a stratified random sampling technique was used to select subjects to represent the target population which was made up of 1,837,312 customers of commercial banks within Nairobi County. An estimated 384 respondents were targeted to participate in the study. 272 questionnaires representing a 71% response rate were received and analysed. Based on the findings of the research it was concluded that customers have perception that have an effect on usage of internet banking, Customer still feel that internet access fees and internet banking transaction charges are high. Costly internet access and unreasonable pricing of internet banking transactions, hinders usage of the internet and by extension technological solutions offered by commercial banks such as internet banking. Commercial banks can relook into the issue of subsidizing the monthly internet banking maintenance fee so as to attract more users and continued usage.
A Study on Role of Technology in Banking Sectorijtsrd
The purpose of this study is to examine the relationship between new technology implementation in banking sector and customers How they are aware about the technologies and how they are using it Data for this study was collected from the customers of various Banking Sectors under the Reserve Bank of India A simple percentage analysis and pie chart will be done According to questioners 30 samples are collected and interpretations are given Findings suggest that most of the customers of bank using ATM facility So the banks need to give awareness about the E-banking services Lastly, the paper is of few papers that focus on technology development in banking industry Aswin Raj. T | Mr. Bala Nageshwara Rao "A Study on Role of Technology in Banking Sector" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-2 | Issue-6 , October 2018, URL: http://www.ijtsrd.com/papers/ijtsrd18357.pdf
Assimilation of TTF and UTAUT for Mobile Banking UsageIJAEMSJORNAL
Introduction of mobile banking has enlightened the new ways of business penetration for traditional banks. Over the last two decades, availability of internet and data services massively increased mobile usage which boosted the demand for mobile banking due to its ubiquity and immediacy features. This paper seeks to explore the user perception against mobile banking adoption with technology perspective. The assimilation of “TTF” task-technology fit and “UTAUT” unified theory of acceptance and usage of technology projected a mobile banking adoption model. It further proposed that task-technology fit and customization of technology influences user adoption. This Study came with diversified results of developing country like Pakistan.
Personal innovativeness and facilitating conditions in shaping the outlooks ...IJECEIAES
The study investigated the determinants of m-banking adoption among generation Y (Gen-Y) in Malaysia. The study underpinned the technology acceptance model as the main guideline or a blueprint for analyzing the research model. The study applied a survey research design and investigated structural equation modeling (SEM) under the partial least-square SEM (PLS-SEM) technique using SmartPLS 2.0. A total 358 m-banking users in Malaysia were exerted as respondents who were randomly selected and then investigated. The results of the analysis conducted with PLS-SEM reveal the existence of usage convenience, facilitating conditions, and personal innovation in information technology that has been remarkably influenced by the outlooks that have adopted m-banking in the country of Malaysia. In addition, the usage convenience that has been felt and facilitated by the conditions found can affect the appraised practicality of m-banking remarkably. Finally, the usage convenience of m-banking that is felt among Gen-Y in Malaysia is influenced by the remarkable activation of personal conditions and innovations exerted in information technology.
Analysis of Factors Affecting the Customer’s Satisfaction with reference to A...iosrjce
This is an age of technology. Now, all types of organizations are adopting the modern technology
for providing efficient services to the customers. This study is an attempt to find out the significant factors that
affecting the customer‟s satisfaction in ATM (Automated Teller Machine) service in Dhaka city. The results of
reliability test, factor analysis, and regression analysis focuses that cost of services of ATM, ATM network,
security in transactions of ATM, location of ATM Centers, and maximum withdrawal limit per day are the most
vital factors in customers satisfaction of ATM services. Finally it is evident from the study; overall 62% of the
customers are satisfied by using ATM services in Dhaka city.
A STUDY ON PERCEPTION OF INTERNET BANKING USERS SERVICE QUALITY - A STRUCTURA...IAEME Publication
The purpose of the study is to identify the perceptions of Internet banking (IB) users in Tamil Nadu using technology acceptance model (TAM) by incorporating service quality as external variable. The study found that both the TAM variables – perceived ease of use (PEOU) and perceived usefulness (PU). A total of 380 questionnaires were distributed for internet banking customers and 336 were returned (resulting 88.42 percentage of response rate). The results confirm that the all six dimensions (Website attribute, Reliability, Responsiveness, Fulfillment, Efficiency and Privacy) are distinct constructs. The results also indicate that internet banking service quality consisting of six dimensions has appropriate reliability and each dimension has a significant relationship with internet banking service quality. The efficiency of banking website is the important aspect of internet banking service quality. The finding found that the relationship between internet banking service quality, perceived ease of use and perceived usefulness are significant. This study proposes a model to understand the effect of internet banking service quality on perceived ease of use and perceived usefulness in developing country. The constructs truly reflect the dynamism of customers’ banking relationship and a better understanding the attitude on internet banking will help the bankers in implementing more effective marketing strategies.
Similar to EXTENSION OF TECHNOLOGY ACCEPTANCE MODEL (TAM): A STUDY ON INDIAN INTERNET BANKING CONTEXT (20)
Submission Deadline: 30th September 2022
Acceptance Notification: Within Three Days’ time period
Online Publication: Within 24 Hrs. time Period
Expected Date of Dispatch of Printed Journal: 5th October 2022
MODELING AND ANALYSIS OF SURFACE ROUGHNESS AND WHITE LATER THICKNESS IN WIRE-...IAEME Publication
White layer thickness (WLT) formed and surface roughness in wire electric discharge turning (WEDT) of tungsten carbide composite has been made to model through response surface methodology (RSM). A Taguchi’s standard Design of experiments involving five input variables with three levels has been employed to establish a mathematical model between input parameters and responses. Percentage of cobalt content, spindle speed, Pulse on-time, wire feed and pulse off-time were changed during the experimental tests based on the Taguchi’s orthogonal array L27 (3^13). Analysis of variance (ANOVA) revealed that the mathematical models obtained can adequately describe performance within the parameters of the factors considered. There was a good agreement between the experimental and predicted values in this study.
A STUDY ON THE REASONS FOR TRANSGENDER TO BECOME ENTREPRENEURSIAEME Publication
The study explores the reasons for a transgender to become entrepreneurs. In this study transgender entrepreneur was taken as independent variable and reasons to become as dependent variable. Data were collected through a structured questionnaire containing a five point Likert Scale. The study examined the data of 30 transgender entrepreneurs in Salem Municipal Corporation of Tamil Nadu State, India. Simple Random sampling technique was used. Garrett Ranking Technique (Percentile Position, Mean Scores) was used as the analysis for the present study to identify the top 13 stimulus factors for establishment of trans entrepreneurial venture. Economic advancement of a nation is governed upon the upshot of a resolute entrepreneurial doings. The conception of entrepreneurship has stretched and materialized to the socially deflated uncharted sections of transgender community. Presently transgenders have smashed their stereotypes and are making recent headlines of achievements in various fields of our Indian society. The trans-community is gradually being observed in a new light and has been trying to achieve prospective growth in entrepreneurship. The findings of the research revealed that the optimistic changes are taking place to change affirmative societal outlook of the transgender for entrepreneurial ventureship. It also laid emphasis on other transgenders to renovate their traditional living. The paper also highlights that legislators, supervisory body should endorse an impartial canons and reforms in Tamil Nadu Transgender Welfare Board Association.
BROAD UNEXPOSED SKILLS OF TRANSGENDER ENTREPRENEURSIAEME Publication
Since ages gender difference is always a debatable theme whether caused by nature, evolution or environment. The birth of a transgender is dreadful not only for the child but also for their parents. The pain of living in the wrong physique and treated as second class victimized citizen is outrageous and fully harboured with vicious baseless negative scruples. For so long, social exclusion had perpetuated inequality and deprivation experiencing ingrained malign stigma and besieged victims of crime or violence across their life spans. They are pushed into the murky way of life with a source of eternal disgust, bereft sexual potency and perennial fear. Although they are highly visible but very little is known about them. The common public needs to comprehend the ravaged arrogance on these insensitive souls and assist in integrating them into the mainstream by offering equal opportunity, treat with humanity and respect their dignity. Entrepreneurship in the current age is endorsing the gender fairness movement. Unstable careers and economic inadequacy had inclined one of the gender variant people called Transgender to become entrepreneurs. These tiny budding entrepreneurs resulted in economic transition by means of employment, free from the clutches of stereotype jobs, raised standard of living and handful of financial empowerment. Besides all these inhibitions, they were able to witness a platform for skill set development that ignited them to enter into entrepreneurial domain. This paper epitomizes skill sets involved in trans-entrepreneurs of Thoothukudi Municipal Corporation of Tamil Nadu State and is a groundbreaking determination to sightsee various skills incorporated and the impact on entrepreneurship.
DETERMINANTS AFFECTING THE USER'S INTENTION TO USE MOBILE BANKING APPLICATIONSIAEME Publication
The banking and financial services industries are experiencing increased technology penetration. Among them, the banking industry has made technological advancements to better serve the general populace. The economy focused on transforming the banking sector's system into a cashless, paperless, and faceless one. The researcher wants to evaluate the user's intention for utilising a mobile banking application. The study also examines the variables affecting the user's behaviour intention when selecting specific applications for financial transactions. The researcher employed a well-structured questionnaire and a descriptive study methodology to gather the respondents' primary data utilising the snowball sampling technique. The study includes variables like performance expectations, effort expectations, social impact, enabling circumstances, and perceived risk. Each of the aforementioned variables has a major impact on how users utilise mobile banking applications. The outcome will assist the service provider in comprehending the user's history with mobile banking applications.
ANALYSE THE USER PREDILECTION ON GPAY AND PHONEPE FOR DIGITAL TRANSACTIONSIAEME Publication
Technology upgradation in banking sector took the economy to view that payment mode towards online transactions using mobile applications. This system enabled connectivity between banks, Merchant and user in a convenient mode. there are various applications used for online transactions such as Google pay, Paytm, freecharge, mobikiwi, oxygen, phonepe and so on and it also includes mobile banking applications. The study aimed at evaluating the predilection of the user in adopting digital transaction. The study is descriptive in nature. The researcher used random sample techniques to collect the data. The findings reveal that mobile applications differ with the quality of service rendered by Gpay and Phonepe. The researcher suggest the Phonepe application should focus on implementing the application should be user friendly interface and Gpay on motivating the users to feel the importance of request for money and modes of payments in the application.
VOICE BASED ATM FOR VISUALLY IMPAIRED USING ARDUINOIAEME Publication
The prototype of a voice-based ATM for visually impaired using Arduino is to help people who are blind. This uses RFID cards which contain users fingerprint encrypted on it and interacts with the users through voice commands. ATM operates when sensor detects the presence of one person in the cabin. After scanning the RFID card, it will ask to select the mode like –normal or blind. User can select the respective mode through voice input, if blind mode is selected the balance check or cash withdraw can be done through voice input. Normal mode procedure is same as the existing ATM.
IMPACT OF EMOTIONAL INTELLIGENCE ON HUMAN RESOURCE MANAGEMENT PRACTICES AMONG...IAEME Publication
There is increasing acceptability of emotional intelligence as a major factor in personality assessment and effective human resource management. Emotional intelligence as the ability to build capacity, empathize, co-operate, motivate and develop others cannot be divorced from both effective performance and human resource management systems. The human person is crucial in defining organizational leadership and fortunes in terms of challenges and opportunities and walking across both multinational and bilateral relationships. The growing complexity of the business world requires a great deal of self-confidence, integrity, communication, conflict and diversity management to keep the global enterprise within the paths of productivity and sustainability. Using the exploratory research design and 255 participants the result of this original study indicates strong positive correlation between emotional intelligence and effective human resource management. The paper offers suggestions on further studies between emotional intelligence and human capital development and recommends for conflict management as an integral part of effective human resource management.
VISUALISING AGING PARENTS & THEIR CLOSE CARERS LIFE JOURNEY IN AGING ECONOMYIAEME Publication
Our life journey, in general, is closely defined by the way we understand the meaning of why we coexist and deal with its challenges. As we develop the "inspiration economy", we could say that nearly all of the challenges we have faced are opportunities that help us to discover the rest of our journey. In this note paper, we explore how being faced with the opportunity of being a close carer for an aging parent with dementia brought intangible discoveries that changed our insight of the meaning of the rest of our life journey.
A STUDY ON THE IMPACT OF ORGANIZATIONAL CULTURE ON THE EFFECTIVENESS OF PERFO...IAEME Publication
The main objective of this study is to analyze the impact of aspects of Organizational Culture on the Effectiveness of the Performance Management System (PMS) in the Health Care Organization at Thanjavur. Organizational Culture and PMS play a crucial role in present-day organizations in achieving their objectives. PMS needs employees’ cooperation to achieve its intended objectives. Employees' cooperation depends upon the organization’s culture. The present study uses exploratory research to examine the relationship between the Organization's culture and the Effectiveness of the Performance Management System. The study uses a Structured Questionnaire to collect the primary data. For this study, Thirty-six non-clinical employees were selected from twelve randomly selected Health Care organizations at Thanjavur. Thirty-two fully completed questionnaires were received.
Living in 21st century in itself reminds all of us the necessity of police and its administration. As more and more we are entering into the modern society and culture, the more we require the services of the so called ‘Khaki Worthy’ men i.e., the police personnel. Whether we talk of Indian police or the other nation’s police, they all have the same recognition as they have in India. But as already mentioned, their services and requirements are different after the like 26th November, 2008 incidents, where they without saving their own lives has sacrificed themselves without any hitch and without caring about their respective family members and wards. In other words, they are like our heroes and mentors who can guide us from the darkness of fear, militancy, corruption and other dark sides of life and so on. Now the question arises, if Gandhi would have been alive today, what would have been his reaction/opinion to the police and its functioning? Would he have some thing different in his mind now what he had been in his mind before the partition or would he be going to start some Satyagraha in the form of some improvement in the functioning of the police administration? Really these questions or rather night mares can come to any one’s mind, when there is too much confusion is prevailing in our minds, when there is too much corruption in the society and when the polices working is also in the questioning because of one or the other case throughout the India. It is matter of great concern that we have to thing over our administration and our practical approach because the police personals are also like us, they are part and parcel of our society and among one of us, so why we all are pin pointing towards them.
A STUDY ON TALENT MANAGEMENT AND ITS IMPACT ON EMPLOYEE RETENTION IN SELECTED...IAEME Publication
The goal of this study was to see how talent management affected employee retention in the selected IT organizations in Chennai. The fundamental issue was the difficulty to attract, hire, and retain talented personnel who perform well and the gap between supply and demand of talent acquisition and retaining them within the firms. The study's main goals were to determine the impact of talent management on employee retention in IT companies in Chennai, investigate talent management strategies that IT companies could use to improve talent acquisition, performance management, career planning and formulate retention strategies that the IT firms could use. The respondents were given a structured close-ended questionnaire with the 5 Point Likert Scale as part of the study's quantitative research design. The target population consisted of 289 IT professionals. The questionnaires were distributed and collected by the researcher directly. The Statistical Package for Social Sciences (SPSS) was used to collect and analyse the questionnaire responses. Hypotheses that were formulated for the various areas of the study were tested using a variety of statistical tests. The key findings of the study suggested that talent management had an impact on employee retention. The studies also found that there is a clear link between the implementation of talent management and retention measures. Management should provide enough training and development for employees, clarify job responsibilities, provide adequate remuneration packages, and recognise employees for exceptional performance.
ATTRITION IN THE IT INDUSTRY DURING COVID-19 PANDEMIC: LINKING EMOTIONAL INTE...IAEME Publication
Globally, Millions of dollars were spent by the organizations for employing skilled Information Technology (IT) professionals. It is costly to replace unskilled employees with IT professionals possessing technical skills and competencies that aid in interconnecting the business processes. The organization’s employment tactics were forced to alter by globalization along with technological innovations as they consistently diminish to remain lean, outsource to concentrate on core competencies along with restructuring/reallocate personnel to gather efficiency. As other jobs, organizations or professions have become reasonably more appropriate in a shifting employment landscape, the above alterations trigger both involuntary as well as voluntary turnover. The employee view on jobs is also afflicted by the COVID-19 pandemic along with the employee-driven labour market. So, having effective strategies is necessary to tackle the withdrawal rate of employees. By associating Emotional Intelligence (EI) along with Talent Management (TM) in the IT industry, the rise in attrition rate was analyzed in this study. Only 303 respondents were collected out of 350 participants to whom questionnaires were distributed. From the employees of IT organizations located in Bangalore (India), the data were congregated. A simple random sampling methodology was employed to congregate data as of the respondents. Generating the hypothesis along with testing is eventuated. The effect of EI and TM along with regression analysis between TM and EI was analyzed. The outcomes indicated that employee and Organizational Performance (OP) were elevated by effective EI along with TM.
INFLUENCE OF TALENT MANAGEMENT PRACTICES ON ORGANIZATIONAL PERFORMANCE A STUD...IAEME Publication
By implementing talent management strategy, organizations would have the option to retain their skilled professionals while additionally working on their overall performance. It is the course of appropriately utilizing the ideal individuals, setting them up for future top positions, exploring and dealing with their performance, and holding them back from leaving the organization. It is employee performance that determines the success of every organization. The firm quickly obtains an upper hand over its rivals in the event that its employees having particular skills that cannot be duplicated by the competitors. Thus, firms are centred on creating successful talent management practices and processes to deal with the unique human resources. Firms are additionally endeavouring to keep their top/key staff since on the off chance that they leave; the whole store of information leaves the firm's hands. The study's objective was to determine the impact of talent management on organizational performance among the selected IT organizations in Chennai. The study recommends that talent management limitedly affects performance. On the off chance that this talent is appropriately management and implemented properly, organizations might benefit as much as possible from their maintained assets to support development and productivity, both monetarily and non-monetarily.
A STUDY OF VARIOUS TYPES OF LOANS OF SELECTED PUBLIC AND PRIVATE SECTOR BANKS...IAEME Publication
Banking regulations act of India, 1949 defines banking as “acceptance of deposits for the purpose of lending or investment from the public, repayment on demand or otherwise and withdrawable through cheques, drafts order or otherwise”, the major participants of the Indian financial system are commercial banks, the financial institution encompassing term lending institutions. Investments institutions, specialized financial institution and the state level development banks, non banking financial companies (NBFC) and other market intermediaries such has the stock brokers and money lenders are among the oldest of the certain variants of NBFC and the oldest market participants. The asset quality of banks is one of the most important indicators of their financial health. The Indian banking sector has been facing severe problems of increasing Non- Performing Assets (NPAs). The NPAs growth directly and indirectly affects the quality of assets and profitability of banks. It also shows the efficiency of banks credit risk management and the recovery effectiveness. NPA do not generate any income, whereas, the bank is required to make provisions for such as assets that why is a double edge weapon. This paper outlines the concept of quality of bank loans of different types like Housing, Agriculture and MSME loans in state Haryana of selected public and private sector banks. This study is highlighting problems associated with the role of commercial bank in financing Small and Medium Scale Enterprises (SME). The overall objective of the research was to assess the effect of the financing provisions existing for the setting up and operations of MSMEs in the country and to generate recommendations for more robust financing mechanisms for successful operation of the MSMEs, in turn understanding the impact of MSME loans on financial institutions due to NPA. There are many research conducted on the topic of Non- Performing Assets (NPA) Management, concerning particular bank, comparative study of public and private banks etc. In this paper the researcher is considering the aggregate data of selected public sector and private sector banks and attempts to compare the NPA of Housing, Agriculture and MSME loans in state Haryana of public and private sector banks. The tools used in the study are average and Anova test and variance. The findings reveal that NPA is common problem for both public and private sector banks and is associated with all types of loans either that is housing loans, agriculture loans and loans to SMES. NPAs of both public and private sector banks show the increasing trend. In 2010-11 GNPA of public and private sector were at same level it was 2% but after 2010-11 it increased in many fold and at present there is GNPA in some more than 15%. It shows the dark area of Indian banking sector.
EXPERIMENTAL STUDY OF MECHANICAL AND TRIBOLOGICAL RELATION OF NYLON/BaSO4 POL...IAEME Publication
An experiment conducted in this study found that BaSO4 changed Nylon 6's mechanical properties. By changing the weight ratios, BaSO4 was used to make Nylon 6. This Researcher looked into how hard Nylon-6/BaSO4 composites are and how well they wear. Experiments were done based on Taguchi design L9. Nylon-6/BaSO4 composites can be tested for their hardness number using a Rockwell hardness testing apparatus. On Nylon/BaSO4, the wear behavior was measured by a wear monitor, pinon-disc friction by varying reinforcement, sliding speed, and sliding distance, and the microstructure of the crack surfaces was observed by SEM. This study provides significant contributions to ultimate strength by increasing BaSO4 content up to 16% in the composites, and sliding speed contributes 72.45% to the wear rate
ROLE OF SOCIAL ENTREPRENEURSHIP IN RURAL DEVELOPMENT OF INDIA - PROBLEMS AND ...IAEME Publication
The majority of the population in India lives in villages. The village is the back bone of the country. Village or rural industries play an important role in the national economy, particularly in the rural development. Developing the rural economy is one of the key indicators towards a country’s success. Whether it be the need to look after the welfare of the farmers or invest in rural infrastructure, Governments have to ensure that rural development isn’t compromised. The economic development of our country largely depends on the progress of rural areas and the standard of living of rural masses. Village or rural industries play an important role in the national economy, particularly in the rural development. Rural entrepreneurship is based on stimulating local entrepreneurial talent and the subsequent growth of indigenous enterprises. It recognizes opportunity in the rural areas and accelerates a unique blend of resources either inside or outside of agriculture. Rural entrepreneurship brings an economic value to the rural sector by creating new methods of production, new markets, new products and generate employment opportunities thereby ensuring continuous rural development. Social Entrepreneurship has the direct and primary objective of serving the society along with the earning profits. So, social entrepreneurship is different from the economic entrepreneurship as its basic objective is not to earn profits but for providing innovative solutions to meet the society needs which are not taken care by majority of the entrepreneurs as they are in the business for profit making as a sole objective. So, the Social Entrepreneurs have the huge growth potential particularly in the developing countries like India where we have huge societal disparities in terms of the financial positions of the population. Still 22 percent of the Indian population is below the poverty line and also there is disparity among the rural & urban population in terms of families living under BPL. 25.7 percent of the rural population & 13.7 percent of the urban population is under BPL which clearly shows the disparity of the poor people in the rural and urban areas. The need to develop social entrepreneurship in agriculture is dictated by a large number of social problems. Such problems include low living standards, unemployment, and social tension. The reasons that led to the emergence of the practice of social entrepreneurship are the above factors. The research problem lays upon disclosing the importance of role of social entrepreneurship in rural development of India. The paper the tendencies of social entrepreneurship in India, to present successful examples of such business for providing recommendations how to improve situation in rural areas in terms of social entrepreneurship development. Indian government has made some steps towards development of social enterprises, social entrepreneurship, and social in- novation, but a lot remains to be improved.
OPTIMAL RECONFIGURATION OF POWER DISTRIBUTION RADIAL NETWORK USING HYBRID MET...IAEME Publication
Distribution system is a critical link between the electric power distributor and the consumers. Most of the distribution networks commonly used by the electric utility is the radial distribution network. However in this type of network, it has technical issues such as enormous power losses which affect the quality of the supply. Nowadays, the introduction of Distributed Generation (DG) units in the system help improve and support the voltage profile of the network as well as the performance of the system components through power loss mitigation. In this study network reconfiguration was done using two meta-heuristic algorithms Particle Swarm Optimization and Gravitational Search Algorithm (PSO-GSA) to enhance power quality and voltage profile in the system when simultaneously applied with the DG units. Backward/Forward Sweep Method was used in the load flow analysis and simulated using the MATLAB program. Five cases were considered in the Reconfiguration based on the contribution of DG units. The proposed method was tested using IEEE 33 bus system. Based on the results, there was a voltage profile improvement in the system from 0.9038 p.u. to 0.9594 p.u.. The integration of DG in the network also reduced power losses from 210.98 kW to 69.3963 kW. Simulated results are drawn to show the performance of each case.
APPLICATION OF FRUGAL APPROACH FOR PRODUCTIVITY IMPROVEMENT - A CASE STUDY OF...IAEME Publication
Manufacturing industries have witnessed an outburst in productivity. For productivity improvement manufacturing industries are taking various initiatives by using lean tools and techniques. However, in different manufacturing industries, frugal approach is applied in product design and services as a tool for improvement. Frugal approach contributed to prove less is more and seems indirectly contributing to improve productivity. Hence, there is need to understand status of frugal approach application in manufacturing industries. All manufacturing industries are trying hard and putting continuous efforts for competitive existence. For productivity improvements, manufacturing industries are coming up with different effective and efficient solutions in manufacturing processes and operations. To overcome current challenges, manufacturing industries have started using frugal approach in product design and services. For this study, methodology adopted with both primary and secondary sources of data. For primary source interview and observation technique is used and for secondary source review has done based on available literatures in website, printed magazines, manual etc. An attempt has made for understanding application of frugal approach with the study of manufacturing industry project. Manufacturing industry selected for this project study is Mahindra and Mahindra Ltd. This paper will help researcher to find the connections between the two concepts productivity improvement and frugal approach. This paper will help to understand significance of frugal approach for productivity improvement in manufacturing industry. This will also help to understand current scenario of frugal approach in manufacturing industry. In manufacturing industries various process are involved to deliver the final product. In the process of converting input in to output through manufacturing process productivity plays very critical role. Hence this study will help to evolve status of frugal approach in productivity improvement programme. The notion of frugal can be viewed as an approach towards productivity improvement in manufacturing industries.
A MULTIPLE – CHANNEL QUEUING MODELS ON FUZZY ENVIRONMENTIAEME Publication
In this paper, we investigated a queuing model of fuzzy environment-based a multiple channel queuing model (M/M/C) ( /FCFS) and study its performance under realistic conditions. It applies a nonagonal fuzzy number to analyse the relevant performance of a multiple channel queuing model (M/M/C) ( /FCFS). Based on the sub interval average ranking method for nonagonal fuzzy number, we convert fuzzy number to crisp one. Numerical results reveal that the efficiency of this method. Intuitively, the fuzzy environment adapts well to a multiple channel queuing models (M/M/C) ( /FCFS) are very well.
Sachpazis:Terzaghi Bearing Capacity Estimation in simple terms with Calculati...Dr.Costas Sachpazis
Terzaghi's soil bearing capacity theory, developed by Karl Terzaghi, is a fundamental principle in geotechnical engineering used to determine the bearing capacity of shallow foundations. This theory provides a method to calculate the ultimate bearing capacity of soil, which is the maximum load per unit area that the soil can support without undergoing shear failure. The Calculation HTML Code included.
Explore the innovative world of trenchless pipe repair with our comprehensive guide, "The Benefits and Techniques of Trenchless Pipe Repair." This document delves into the modern methods of repairing underground pipes without the need for extensive excavation, highlighting the numerous advantages and the latest techniques used in the industry.
Learn about the cost savings, reduced environmental impact, and minimal disruption associated with trenchless technology. Discover detailed explanations of popular techniques such as pipe bursting, cured-in-place pipe (CIPP) lining, and directional drilling. Understand how these methods can be applied to various types of infrastructure, from residential plumbing to large-scale municipal systems.
Ideal for homeowners, contractors, engineers, and anyone interested in modern plumbing solutions, this guide provides valuable insights into why trenchless pipe repair is becoming the preferred choice for pipe rehabilitation. Stay informed about the latest advancements and best practices in the field.
Water scarcity is the lack of fresh water resources to meet the standard water demand. There are two type of water scarcity. One is physical. The other is economic water scarcity.
Hybrid optimization of pumped hydro system and solar- Engr. Abdul-Azeez.pdffxintegritypublishin
Advancements in technology unveil a myriad of electrical and electronic breakthroughs geared towards efficiently harnessing limited resources to meet human energy demands. The optimization of hybrid solar PV panels and pumped hydro energy supply systems plays a pivotal role in utilizing natural resources effectively. This initiative not only benefits humanity but also fosters environmental sustainability. The study investigated the design optimization of these hybrid systems, focusing on understanding solar radiation patterns, identifying geographical influences on solar radiation, formulating a mathematical model for system optimization, and determining the optimal configuration of PV panels and pumped hydro storage. Through a comparative analysis approach and eight weeks of data collection, the study addressed key research questions related to solar radiation patterns and optimal system design. The findings highlighted regions with heightened solar radiation levels, showcasing substantial potential for power generation and emphasizing the system's efficiency. Optimizing system design significantly boosted power generation, promoted renewable energy utilization, and enhanced energy storage capacity. The study underscored the benefits of optimizing hybrid solar PV panels and pumped hydro energy supply systems for sustainable energy usage. Optimizing the design of solar PV panels and pumped hydro energy supply systems as examined across diverse climatic conditions in a developing country, not only enhances power generation but also improves the integration of renewable energy sources and boosts energy storage capacities, particularly beneficial for less economically prosperous regions. Additionally, the study provides valuable insights for advancing energy research in economically viable areas. Recommendations included conducting site-specific assessments, utilizing advanced modeling tools, implementing regular maintenance protocols, and enhancing communication among system components.
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Immunizing Image Classifiers Against Localized Adversary Attacksgerogepatton
This paper addresses the vulnerability of deep learning models, particularly convolutional neural networks
(CNN)s, to adversarial attacks and presents a proactive training technique designed to counter them. We
introduce a novel volumization algorithm, which transforms 2D images into 3D volumetric representations.
When combined with 3D convolution and deep curriculum learning optimization (CLO), itsignificantly improves
the immunity of models against localized universal attacks by up to 40%. We evaluate our proposed approach
using contemporary CNN architectures and the modified Canadian Institute for Advanced Research (CIFAR-10
and CIFAR-100) and ImageNet Large Scale Visual Recognition Challenge (ILSVRC12) datasets, showcasing
accuracy improvements over previous techniques. The results indicate that the combination of the volumetric
input and curriculum learning holds significant promise for mitigating adversarial attacks without necessitating
adversary training.
Welcome to WIPAC Monthly the magazine brought to you by the LinkedIn Group Water Industry Process Automation & Control.
In this month's edition, along with this month's industry news to celebrate the 13 years since the group was created we have articles including
A case study of the used of Advanced Process Control at the Wastewater Treatment works at Lleida in Spain
A look back on an article on smart wastewater networks in order to see how the industry has measured up in the interim around the adoption of Digital Transformation in the Water Industry.