Internet banking is a method for conducting financial transactions online that makes use of the internet as a platform. Customers could transact at any time and from any location. Numerous aspects relating to the adoption of internet banking have been analyzed and studied in recent in-depth studies from the literature. This paper will merge these numerous predefined factors into a model by drawing on the various ideas related to the acceptance model. It was decided to adapt the analytical hierarchy process (AHP) method for finding the important numerous components for the model. The finest mathematical calculation method is AHP, which enables decision-makers to prioritize their ranking in order to satisfy various criteria. The goal of this research is to rank the elements that influence the use of online banking. Three main factors such as technical information, website and service availability were chosen as the main factors of the model based on the literature review. Sub-factors such as ease of use, responsiveness, privacy, reliability, security, communication and efficiency were also suggested and combined into a single integrated framework. Utilizing the systematic literature review (SLR) methodology, several factors were found. As a result, the article will enhance understanding of the unique elements supporting the adoption of internet banking.
Supervised and unsupervised data mining approaches in loan default prediction IJECEIAES
Given the paramount importance of data mining in organizations and the possible contribution of a data-driven customer classification recommender systems for loan-extending financial institutions, the study applied supervised and supervised data mining approaches to derive the best classifier of loan default. A total of 900 instances with determined attributes and class labels were used for the training and cross-validation processes while prediction used 100 new instances without class labels. In the training phase, J48 with confidence factor of 50% attained the highest classification accuracy (76.85%), k-nearest neighbors (k-NN) 3 the highest (78.38%) in IBk variants, naïve Bayes has a classification accuracy of 76.65%, and logistic has 77.31% classification accuracy. k-NN 3 and logistic have the highest classification accuracy, F-measures, and kappa statistics. Implementation of these algorithms to the test set yielded 48 non-defaulters and 52 defaulters for k-NN 3 while 44 non-defaulters and 56 defaulters under logistic. Implications were discussed in the paper.
A potential objective of every financial organization is to retain existing customers and attain new
prospective customers for long-term. The economic behaviour of customer and the nature of the
organization are controlled by a prescribed form called Know Your Customer (KYC) in manual banking.
Depositor customers in some sectors (business of Jewellery/Gold, Arms, Money exchanger etc) are with
high risk; whereas in some sectors (Transport Operators, Auto-delear, religious) are with medium risk;
and in remaining sectors (Retail, Corporate, Service, Farmer etc) belongs to low risk. Presently, credit risk
for counterparty can be broadly categorized under quantitative and qualitative factors. Although there are
many existing systems on customer retention as well as customer attrition systems in bank, these rigorous
methods suffers clear and defined approach to disburse loan in business sector. In the paper, we have used
records of business customers of a retail commercial bank in the city including rural and urban area of
(Tangail city) Bangladesh to analyse the major transactional determinants of customers and predicting of a
model for prospective sectors in retail bank. To achieve this, data mining approach is adopted for
analysing the challenging issues, where pruned decision tree classification technique has been used to
develop the model and finally tested its performance with Weka result. Moreover, this paper attempts to
build up a model to predict prospective business sectors in retail banking.
Machine learning based recommender system for e-commerceIAESIJAI
Nowadays, e-commerce is becoming an essential part of business for many reasons, including the simplicity, availability, richness and diversity of products and services, flexibility of payment methods and the convenience of shopping remotely without losing time. These benefits have greatly optimized the lives of users, especially with the technological development of mobile devices and the availability of the Internet anytime and anywhere. Because of their direct impact on the revenue of e-commerce companies, recommender systems are considered a must in this field. Recommender systems detect items that match the customer's needs based on the customer's previous actions and make them appear in an interesting way. Such a customized experience helps to increase customer engagement and purchase rates as the suggested items are tailored to the customer's interests. Therefore, perfecting recommendation systems that allow for more personalized and accurate item recommendations is a major challenge in the e-marketing world. In our study, we succeeded in developing an algorithm to suggest personal recommendations to customers using association rules via the Frequent-Pattern-Growth algorithm. Our technique generated good results with a high average probability of purchasing the next product suggested by the recommendation system.
Applying Convolutional-GRU for Term Deposit Likelihood PredictionVandanaSharma356
Banks are normally offered two kinds of deposit accounts. It consists of deposits like current/saving account and term deposits like fixed or recurring deposits.For enhancing the maximized profit from bank as well as customer perspective, term deposit can accelerate uplifting of finance fields. This paper focuses on likelihood of term deposit subscription taken by the customers. Bank campaign efforts and customer detail analysis caninfluence term deposit subscription chances. An automated system is approached in this paper that works towards prediction of term deposit investment possibilities in advance. This paper proposes deep learning based hybrid model that stacks Convolutional layers and Recurrent Neural Network (RNN) layers as predictive model. For RNN, Gated Recurrent Unit (GRU) is employed. The proposed predictive model is later compared with other benchmark classifiers such as k-Nearest Neighbor (k-NN), Decision tree classifier (DT), and Multi-layer perceptron classifier (MLP). Experimental study concludesthat proposed model attainsan accuracy of 89.59% and MSE of 0.1041 which outperform wellother baseline models.
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.
Agile adoption challenges in insurance: a systematic literature and expert re...CSITiaesprime
The drawback of agile is struggled to function in large businesses like banks, insurance companies, and government agencies, which are frequently associated with cumbersome processes. Traditional software development techniques were cumbersome and pay more attention to standardization and industry, this leads to high costs and prolonged costs. The insurance company does not embrace change and agility may find themselves distracted and lose customers to agile competitors who are more relevant and customer-centric. Thus, to investigate the challenges and to recognize the prospect of agile adoption in insurance industry, a systematic literature review (SLR) in this study was organized and validated by expert review from professional with expertise in agile. The project performance domain from project management body of knowledge (PMBOK) was applied to align the challenges and the solution. Academicians and practitioners can acquire the perception and knowledge in having exceeded understanding about the challenge and solution of agile adoption from the results.
Supervised and unsupervised data mining approaches in loan default prediction IJECEIAES
Given the paramount importance of data mining in organizations and the possible contribution of a data-driven customer classification recommender systems for loan-extending financial institutions, the study applied supervised and supervised data mining approaches to derive the best classifier of loan default. A total of 900 instances with determined attributes and class labels were used for the training and cross-validation processes while prediction used 100 new instances without class labels. In the training phase, J48 with confidence factor of 50% attained the highest classification accuracy (76.85%), k-nearest neighbors (k-NN) 3 the highest (78.38%) in IBk variants, naïve Bayes has a classification accuracy of 76.65%, and logistic has 77.31% classification accuracy. k-NN 3 and logistic have the highest classification accuracy, F-measures, and kappa statistics. Implementation of these algorithms to the test set yielded 48 non-defaulters and 52 defaulters for k-NN 3 while 44 non-defaulters and 56 defaulters under logistic. Implications were discussed in the paper.
A potential objective of every financial organization is to retain existing customers and attain new
prospective customers for long-term. The economic behaviour of customer and the nature of the
organization are controlled by a prescribed form called Know Your Customer (KYC) in manual banking.
Depositor customers in some sectors (business of Jewellery/Gold, Arms, Money exchanger etc) are with
high risk; whereas in some sectors (Transport Operators, Auto-delear, religious) are with medium risk;
and in remaining sectors (Retail, Corporate, Service, Farmer etc) belongs to low risk. Presently, credit risk
for counterparty can be broadly categorized under quantitative and qualitative factors. Although there are
many existing systems on customer retention as well as customer attrition systems in bank, these rigorous
methods suffers clear and defined approach to disburse loan in business sector. In the paper, we have used
records of business customers of a retail commercial bank in the city including rural and urban area of
(Tangail city) Bangladesh to analyse the major transactional determinants of customers and predicting of a
model for prospective sectors in retail bank. To achieve this, data mining approach is adopted for
analysing the challenging issues, where pruned decision tree classification technique has been used to
develop the model and finally tested its performance with Weka result. Moreover, this paper attempts to
build up a model to predict prospective business sectors in retail banking.
Machine learning based recommender system for e-commerceIAESIJAI
Nowadays, e-commerce is becoming an essential part of business for many reasons, including the simplicity, availability, richness and diversity of products and services, flexibility of payment methods and the convenience of shopping remotely without losing time. These benefits have greatly optimized the lives of users, especially with the technological development of mobile devices and the availability of the Internet anytime and anywhere. Because of their direct impact on the revenue of e-commerce companies, recommender systems are considered a must in this field. Recommender systems detect items that match the customer's needs based on the customer's previous actions and make them appear in an interesting way. Such a customized experience helps to increase customer engagement and purchase rates as the suggested items are tailored to the customer's interests. Therefore, perfecting recommendation systems that allow for more personalized and accurate item recommendations is a major challenge in the e-marketing world. In our study, we succeeded in developing an algorithm to suggest personal recommendations to customers using association rules via the Frequent-Pattern-Growth algorithm. Our technique generated good results with a high average probability of purchasing the next product suggested by the recommendation system.
Applying Convolutional-GRU for Term Deposit Likelihood PredictionVandanaSharma356
Banks are normally offered two kinds of deposit accounts. It consists of deposits like current/saving account and term deposits like fixed or recurring deposits.For enhancing the maximized profit from bank as well as customer perspective, term deposit can accelerate uplifting of finance fields. This paper focuses on likelihood of term deposit subscription taken by the customers. Bank campaign efforts and customer detail analysis caninfluence term deposit subscription chances. An automated system is approached in this paper that works towards prediction of term deposit investment possibilities in advance. This paper proposes deep learning based hybrid model that stacks Convolutional layers and Recurrent Neural Network (RNN) layers as predictive model. For RNN, Gated Recurrent Unit (GRU) is employed. The proposed predictive model is later compared with other benchmark classifiers such as k-Nearest Neighbor (k-NN), Decision tree classifier (DT), and Multi-layer perceptron classifier (MLP). Experimental study concludesthat proposed model attainsan accuracy of 89.59% and MSE of 0.1041 which outperform wellother baseline models.
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.
Agile adoption challenges in insurance: a systematic literature and expert re...CSITiaesprime
The drawback of agile is struggled to function in large businesses like banks, insurance companies, and government agencies, which are frequently associated with cumbersome processes. Traditional software development techniques were cumbersome and pay more attention to standardization and industry, this leads to high costs and prolonged costs. The insurance company does not embrace change and agility may find themselves distracted and lose customers to agile competitors who are more relevant and customer-centric. Thus, to investigate the challenges and to recognize the prospect of agile adoption in insurance industry, a systematic literature review (SLR) in this study was organized and validated by expert review from professional with expertise in agile. The project performance domain from project management body of knowledge (PMBOK) was applied to align the challenges and the solution. Academicians and practitioners can acquire the perception and knowledge in having exceeded understanding about the challenge and solution of agile adoption from the results.
Online job placement system project report.pdfKamal Acharya
Our project Expert.Com Job Placement System has been designed to help the millions of unemployed youth to get in touch with the major companies which would help them in getting the right kind of jobs and would also help the companies to get the appropriate candidates for appropriate jobs.
Business Talk: Harnessing Generative AI with Data Analytics MaturityIJCI JOURNAL
Generative AI applications offer transformative potential for business operations, yet their adoption introduces substantial challenges. This paper utilizes the CBDAS data maturity model to pinpoint pivotal success factors for seamless generative AI integration in businesses. Through a comprehensive analysis of these factors, we underscore the essentials of generative AI deployment: cohesive architecture, robust data governance, and a data-centric corporate ethos. The study also highlights the hurdles and facilitators influencing its implementation. Key findings suggest that fostering a data-friendly culture, combined with structured governance, optimizes generative AI adoption. The paper culminates in presenting the practical implications of these insights, urging further exploration into the real-world efficacy of the proposed recommendations.
An interactive approach to requirements prioritization using quality factorsijfcstjournal
As the prevalence of software increases, so does the complexity and the number of requirements assoc
iated
to the software project. This presents a dilemma for the developers to clearly identify and prioriti
ze the
most important requirements in order to del
iver the project in given amount of resources and time.
A
number of prioritization methods have been proposed which provide consistent results, but they are v
ery
difficult and complex to implement in practical scenarios as well as lack proper structure to
analyze the
requirements properly. In this study, the users can provide their requirements in two forms: text ba
sed
story form and use case form.
Moreover, the existing prioritization techniques have a very little or no
interaction with the users. So, in t
his paper an attempt has been made to make the prioritization process
user interactive by adding a second level of prioritization where after the developer has properly a
nalyzed
and ranked the requirements on the basis of quality attributes in the first le
vel, takes the opinion of distinct
user’s about the requirements priority sequence. The developer then calculates the disagreement valu
e
associated with each user sequence in order to find out the final priority sequence.
A novel approach to dynamic profiling of E-customers considering click stream...IJECEIAES
In this paper, we present an approach for mining change in customer’s behavior for the purpose of maintaining robust profiling model over time. Most of previous studies leave important questions unanswered: In developing B2C e-commerce strategies, how do managers implicitly load customer’s profiles based on their satisfaction over the online store characteristics? And: What kind of feedback segments do they have? Our proposed approach does not force customers to explicitly express their preference information over the online service but rather capture their preference from their online activities. The challenge does not only lay in analyzing how customer’s classifier model change and when it does so but also to adapt it to the customer’s click stream data using a new decision tree generation algorithm which takes as inputs new set of variables; categorical, continuous and fuzzy variables. Customer’s online reviews rates are considered as classes. Experiments show that this work performed well in identifying relevant customer’s stream data to judge the chinese e-commerce website “Tmall”. The extracted values of the website’s features are also useful to identifying the satisfaction level when the customer’s rate is not available.
Net impact implementation application development life-cycle management in ba...CSITiaesprime
Digital transformation in the banking sector creates a lot of demand for application development, either new development or application enhancement. Continuous demand for reimagining, revamping, and running applications reliably needs to be supported by collaboration tools. Several big banks in Indonesia use Atlassian products, including Jira, Confluence, Bamboo, Bitbucket, and Crowd, to support strategic company projects. We need to measure the net impact of application development life-cycle management (ADLM) as a collaboration tool. Using the deLone and McLean model, process questionnaire data from banks in Indonesia that use ADLM. Processing data using structural equation modeling (SEM), multiple variables are analyzed statistically to establish, estimate, and test the causation model. The conclusions highlight that system quality strongly affected only User Satisfaction (p=0.049 and β=0.39). Information quality strongly affected use (p=0.001 and β=0.84) and strongly affected user satisfaction (p=0.169 and β=0.28). Service quality strongly affected only use (p=0.127 and β=0.31). Conclusion research verifies the information system's achievement approach described by DeLone and McLean. Importantly, it was discovered that system usability and quality were key indicators of ADLM success. To fulfill their objective, ADLM must be developed in a way that is simple to use, adaptable, and functional.
Banking Sector plays a key role in investment, growth, and in the development of different industries around the world. Because accounting information systems (AIS) play a key role in determining the degree of success, and affect the competitive position of commercial banks in a world that characterized with globalization, these systems need more investigation.
The development and implementation of an android-based saving and loan cooper...riyaniaes
The savings and loans cooperative are a cooperative that has an important purpose in its reach and services, such as the Permata Ngijo Savings and Loans Cooperative. Activities within the cooperative itself include managing member data as well as savings and loan transactions. In systems that are still manual, such as Microsoft Excel, there is a risk of inaccurate data and takes a long time. This manual system is still less effective because the number of members and transactions continues to grow. Therefore, an application is needed as a more effective data processing and information system for members that is easier to access. This study aims to build an android-based savings and loan application using the hypertext preprocessor (PHP) programming language and my structured query language (MySQL) as data storage. Based on the android application that has been made, it shows that the black box functionality of the application runs as planned, the success rate for users reaches 90%.
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
Personalized E-commerce based recommendation systems using deep-learning tech...IAESIJAI
As technology is surpassing each day, with the variation of personalized drifts
relevant to the explicit behavior of users using the internet. Recommendation
systems use predictive mechanisms like predicting a rating that a customer
could give on a specific item. This establishes a ranked list of items according
to the preferences each user makes concerning exhibiting personalized
recommendations. The existing recommendation techniques are efficient in
systematically creating recommendation techniques. This approach
encounters many challenges such as determining the accuracy, scalability, and
data sparsity. Recently deep learning attains significant research to enhance
the performance to improvise feature specification in learning the efficiency
of retrieving the necessary information as well as a recommendation system
approach. Here, we provide a thorough review of the deep-learning
mechanism focused on the learning-rates-based prediction approach modeled
to articulate the widespread summary for the state-of-art techniques. The
novel techniques ensure the incorporation of innovative perspectives to
pertain to the unique and exciting growth in this field.
Application of Savings and Loan Cooperative ServicesYogeshIJTSRD
Information technology knowledge has become a necessity. Most of a persons daily activities involve the assistance of information technology, both teaching and learning activities, working in institutions and entrepreneurship. In addition, knowledge of information technology is a persons main asset to be able to compete in the digital era. A cooperative is an institution that runs on the principle of kinship. So that in carrying out its activities prioritizing the welfare of its members and aiming to increase the economic growth of the community. The goal to be achieved in this community service activity is to produce an android based system of savings and loan cooperative service that is able to facilitate the delivery of information from management to members in real time and can provide solutions for speed, accuracy and accuracy. The method used in this research and development research uses the waterfall model, which is a process or steps to develop a new product or improve an existing product. The system analysis was carried out with the initial stages of the research method, the communication stage was carried out by the interview and observation process. The observation process is carried out by making direct observations to get an overview and the interview process is carried out by conducting questions and answers to match the data and information. After designing the next step is build an android system based of savings and loan cooperative service. Dimas Indra Laksmana | Maranatha Wijayaningtyas | Kiswandono "Application of Savings and Loan Cooperative Services" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-3 , April 2021, URL: https://www.ijtsrd.com/papers/ijtsrd40065.pdf Paper URL: https://www.ijtsrd.com/management/mis-and-retail-management/40065/application-of-savings-and-loan-cooperative-services/dimas-indra-laksmana
Bibliometric analysis highlighting the role of women in addressing climate ch...IJECEIAES
Fossil fuel consumption increased quickly, contributing to climate change
that is evident in unusual flooding and draughts, and global warming. Over
the past ten years, women's involvement in society has grown dramatically,
and they succeeded in playing a noticeable role in reducing climate change.
A bibliometric analysis of data from the last ten years has been carried out to
examine the role of women in addressing the climate change. The analysis's
findings discussed the relevant to the sustainable development goals (SDGs),
particularly SDG 7 and SDG 13. The results considered contributions made
by women in the various sectors while taking geographic dispersion into
account. The bibliometric analysis delves into topics including women's
leadership in environmental groups, their involvement in policymaking, their
contributions to sustainable development projects, and the influence of
gender diversity on attempts to mitigate climate change. This study's results
highlight how women have influenced policies and actions related to climate
change, point out areas of research deficiency and recommendations on how
to increase role of the women in addressing the climate change and
achieving sustainability. To achieve more successful results, this initiative
aims to highlight the significance of gender equality and encourage
inclusivity in climate change decision-making processes.
Voltage and frequency control of microgrid in presence of micro-turbine inter...IJECEIAES
The active and reactive load changes have a significant impact on voltage
and frequency. In this paper, in order to stabilize the microgrid (MG) against
load variations in islanding mode, the active and reactive power of all
distributed generators (DGs), including energy storage (battery), diesel
generator, and micro-turbine, are controlled. The micro-turbine generator is
connected to MG through a three-phase to three-phase matrix converter, and
the droop control method is applied for controlling the voltage and
frequency of MG. In addition, a method is introduced for voltage and
frequency control of micro-turbines in the transition state from gridconnected mode to islanding mode. A novel switching strategy of the matrix
converter is used for converting the high-frequency output voltage of the
micro-turbine to the grid-side frequency of the utility system. Moreover,
using the switching strategy, the low-order harmonics in the output current
and voltage are not produced, and consequently, the size of the output filter
would be reduced. In fact, the suggested control strategy is load-independent
and has no frequency conversion restrictions. The proposed approach for
voltage and frequency regulation demonstrates exceptional performance and
favorable response across various load alteration scenarios. The suggested
strategy is examined in several scenarios in the MG test systems, and the
simulation results are addressed.
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Online job placement system project report.pdfKamal Acharya
Our project Expert.Com Job Placement System has been designed to help the millions of unemployed youth to get in touch with the major companies which would help them in getting the right kind of jobs and would also help the companies to get the appropriate candidates for appropriate jobs.
Business Talk: Harnessing Generative AI with Data Analytics MaturityIJCI JOURNAL
Generative AI applications offer transformative potential for business operations, yet their adoption introduces substantial challenges. This paper utilizes the CBDAS data maturity model to pinpoint pivotal success factors for seamless generative AI integration in businesses. Through a comprehensive analysis of these factors, we underscore the essentials of generative AI deployment: cohesive architecture, robust data governance, and a data-centric corporate ethos. The study also highlights the hurdles and facilitators influencing its implementation. Key findings suggest that fostering a data-friendly culture, combined with structured governance, optimizes generative AI adoption. The paper culminates in presenting the practical implications of these insights, urging further exploration into the real-world efficacy of the proposed recommendations.
An interactive approach to requirements prioritization using quality factorsijfcstjournal
As the prevalence of software increases, so does the complexity and the number of requirements assoc
iated
to the software project. This presents a dilemma for the developers to clearly identify and prioriti
ze the
most important requirements in order to del
iver the project in given amount of resources and time.
A
number of prioritization methods have been proposed which provide consistent results, but they are v
ery
difficult and complex to implement in practical scenarios as well as lack proper structure to
analyze the
requirements properly. In this study, the users can provide their requirements in two forms: text ba
sed
story form and use case form.
Moreover, the existing prioritization techniques have a very little or no
interaction with the users. So, in t
his paper an attempt has been made to make the prioritization process
user interactive by adding a second level of prioritization where after the developer has properly a
nalyzed
and ranked the requirements on the basis of quality attributes in the first le
vel, takes the opinion of distinct
user’s about the requirements priority sequence. The developer then calculates the disagreement valu
e
associated with each user sequence in order to find out the final priority sequence.
A novel approach to dynamic profiling of E-customers considering click stream...IJECEIAES
In this paper, we present an approach for mining change in customer’s behavior for the purpose of maintaining robust profiling model over time. Most of previous studies leave important questions unanswered: In developing B2C e-commerce strategies, how do managers implicitly load customer’s profiles based on their satisfaction over the online store characteristics? And: What kind of feedback segments do they have? Our proposed approach does not force customers to explicitly express their preference information over the online service but rather capture their preference from their online activities. The challenge does not only lay in analyzing how customer’s classifier model change and when it does so but also to adapt it to the customer’s click stream data using a new decision tree generation algorithm which takes as inputs new set of variables; categorical, continuous and fuzzy variables. Customer’s online reviews rates are considered as classes. Experiments show that this work performed well in identifying relevant customer’s stream data to judge the chinese e-commerce website “Tmall”. The extracted values of the website’s features are also useful to identifying the satisfaction level when the customer’s rate is not available.
Net impact implementation application development life-cycle management in ba...CSITiaesprime
Digital transformation in the banking sector creates a lot of demand for application development, either new development or application enhancement. Continuous demand for reimagining, revamping, and running applications reliably needs to be supported by collaboration tools. Several big banks in Indonesia use Atlassian products, including Jira, Confluence, Bamboo, Bitbucket, and Crowd, to support strategic company projects. We need to measure the net impact of application development life-cycle management (ADLM) as a collaboration tool. Using the deLone and McLean model, process questionnaire data from banks in Indonesia that use ADLM. Processing data using structural equation modeling (SEM), multiple variables are analyzed statistically to establish, estimate, and test the causation model. The conclusions highlight that system quality strongly affected only User Satisfaction (p=0.049 and β=0.39). Information quality strongly affected use (p=0.001 and β=0.84) and strongly affected user satisfaction (p=0.169 and β=0.28). Service quality strongly affected only use (p=0.127 and β=0.31). Conclusion research verifies the information system's achievement approach described by DeLone and McLean. Importantly, it was discovered that system usability and quality were key indicators of ADLM success. To fulfill their objective, ADLM must be developed in a way that is simple to use, adaptable, and functional.
Banking Sector plays a key role in investment, growth, and in the development of different industries around the world. Because accounting information systems (AIS) play a key role in determining the degree of success, and affect the competitive position of commercial banks in a world that characterized with globalization, these systems need more investigation.
The development and implementation of an android-based saving and loan cooper...riyaniaes
The savings and loans cooperative are a cooperative that has an important purpose in its reach and services, such as the Permata Ngijo Savings and Loans Cooperative. Activities within the cooperative itself include managing member data as well as savings and loan transactions. In systems that are still manual, such as Microsoft Excel, there is a risk of inaccurate data and takes a long time. This manual system is still less effective because the number of members and transactions continues to grow. Therefore, an application is needed as a more effective data processing and information system for members that is easier to access. This study aims to build an android-based savings and loan application using the hypertext preprocessor (PHP) programming language and my structured query language (MySQL) as data storage. Based on the android application that has been made, it shows that the black box functionality of the application runs as planned, the success rate for users reaches 90%.
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
Personalized E-commerce based recommendation systems using deep-learning tech...IAESIJAI
As technology is surpassing each day, with the variation of personalized drifts
relevant to the explicit behavior of users using the internet. Recommendation
systems use predictive mechanisms like predicting a rating that a customer
could give on a specific item. This establishes a ranked list of items according
to the preferences each user makes concerning exhibiting personalized
recommendations. The existing recommendation techniques are efficient in
systematically creating recommendation techniques. This approach
encounters many challenges such as determining the accuracy, scalability, and
data sparsity. Recently deep learning attains significant research to enhance
the performance to improvise feature specification in learning the efficiency
of retrieving the necessary information as well as a recommendation system
approach. Here, we provide a thorough review of the deep-learning
mechanism focused on the learning-rates-based prediction approach modeled
to articulate the widespread summary for the state-of-art techniques. The
novel techniques ensure the incorporation of innovative perspectives to
pertain to the unique and exciting growth in this field.
Application of Savings and Loan Cooperative ServicesYogeshIJTSRD
Information technology knowledge has become a necessity. Most of a persons daily activities involve the assistance of information technology, both teaching and learning activities, working in institutions and entrepreneurship. In addition, knowledge of information technology is a persons main asset to be able to compete in the digital era. A cooperative is an institution that runs on the principle of kinship. So that in carrying out its activities prioritizing the welfare of its members and aiming to increase the economic growth of the community. The goal to be achieved in this community service activity is to produce an android based system of savings and loan cooperative service that is able to facilitate the delivery of information from management to members in real time and can provide solutions for speed, accuracy and accuracy. The method used in this research and development research uses the waterfall model, which is a process or steps to develop a new product or improve an existing product. The system analysis was carried out with the initial stages of the research method, the communication stage was carried out by the interview and observation process. The observation process is carried out by making direct observations to get an overview and the interview process is carried out by conducting questions and answers to match the data and information. After designing the next step is build an android system based of savings and loan cooperative service. Dimas Indra Laksmana | Maranatha Wijayaningtyas | Kiswandono "Application of Savings and Loan Cooperative Services" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-3 , April 2021, URL: https://www.ijtsrd.com/papers/ijtsrd40065.pdf Paper URL: https://www.ijtsrd.com/management/mis-and-retail-management/40065/application-of-savings-and-loan-cooperative-services/dimas-indra-laksmana
Bibliometric analysis highlighting the role of women in addressing climate ch...IJECEIAES
Fossil fuel consumption increased quickly, contributing to climate change
that is evident in unusual flooding and draughts, and global warming. Over
the past ten years, women's involvement in society has grown dramatically,
and they succeeded in playing a noticeable role in reducing climate change.
A bibliometric analysis of data from the last ten years has been carried out to
examine the role of women in addressing the climate change. The analysis's
findings discussed the relevant to the sustainable development goals (SDGs),
particularly SDG 7 and SDG 13. The results considered contributions made
by women in the various sectors while taking geographic dispersion into
account. The bibliometric analysis delves into topics including women's
leadership in environmental groups, their involvement in policymaking, their
contributions to sustainable development projects, and the influence of
gender diversity on attempts to mitigate climate change. This study's results
highlight how women have influenced policies and actions related to climate
change, point out areas of research deficiency and recommendations on how
to increase role of the women in addressing the climate change and
achieving sustainability. To achieve more successful results, this initiative
aims to highlight the significance of gender equality and encourage
inclusivity in climate change decision-making processes.
Voltage and frequency control of microgrid in presence of micro-turbine inter...IJECEIAES
The active and reactive load changes have a significant impact on voltage
and frequency. In this paper, in order to stabilize the microgrid (MG) against
load variations in islanding mode, the active and reactive power of all
distributed generators (DGs), including energy storage (battery), diesel
generator, and micro-turbine, are controlled. The micro-turbine generator is
connected to MG through a three-phase to three-phase matrix converter, and
the droop control method is applied for controlling the voltage and
frequency of MG. In addition, a method is introduced for voltage and
frequency control of micro-turbines in the transition state from gridconnected mode to islanding mode. A novel switching strategy of the matrix
converter is used for converting the high-frequency output voltage of the
micro-turbine to the grid-side frequency of the utility system. Moreover,
using the switching strategy, the low-order harmonics in the output current
and voltage are not produced, and consequently, the size of the output filter
would be reduced. In fact, the suggested control strategy is load-independent
and has no frequency conversion restrictions. The proposed approach for
voltage and frequency regulation demonstrates exceptional performance and
favorable response across various load alteration scenarios. The suggested
strategy is examined in several scenarios in the MG test systems, and the
simulation results are addressed.
Enhancing battery system identification: nonlinear autoregressive modeling fo...IJECEIAES
Precisely characterizing Li-ion batteries is essential for optimizing their
performance, enhancing safety, and prolonging their lifespan across various
applications, such as electric vehicles and renewable energy systems. This
article introduces an innovative nonlinear methodology for system
identification of a Li-ion battery, employing a nonlinear autoregressive with
exogenous inputs (NARX) model. The proposed approach integrates the
benefits of nonlinear modeling with the adaptability of the NARX structure,
facilitating a more comprehensive representation of the intricate
electrochemical processes within the battery. Experimental data collected
from a Li-ion battery operating under diverse scenarios are employed to
validate the effectiveness of the proposed methodology. The identified
NARX model exhibits superior accuracy in predicting the battery's behavior
compared to traditional linear models. This study underscores the
importance of accounting for nonlinearities in battery modeling, providing
insights into the intricate relationships between state-of-charge, voltage, and
current under dynamic conditions.
Smart grid deployment: from a bibliometric analysis to a surveyIJECEIAES
Smart grids are one of the last decades' innovations in electrical energy.
They bring relevant advantages compared to the traditional grid and
significant interest from the research community. Assessing the field's
evolution is essential to propose guidelines for facing new and future smart
grid challenges. In addition, knowing the main technologies involved in the
deployment of smart grids (SGs) is important to highlight possible
shortcomings that can be mitigated by developing new tools. This paper
contributes to the research trends mentioned above by focusing on two
objectives. First, a bibliometric analysis is presented to give an overview of
the current research level about smart grid deployment. Second, a survey of
the main technological approaches used for smart grid implementation and
their contributions are highlighted. To that effect, we searched the Web of
Science (WoS), and the Scopus databases. We obtained 5,663 documents
from WoS and 7,215 from Scopus on smart grid implementation or
deployment. With the extraction limitation in the Scopus database, 5,872 of
the 7,215 documents were extracted using a multi-step process. These two
datasets have been analyzed using a bibliometric tool called bibliometrix.
The main outputs are presented with some recommendations for future
research.
Use of analytical hierarchy process for selecting and prioritizing islanding ...IJECEIAES
One of the problems that are associated to power systems is islanding
condition, which must be rapidly and properly detected to prevent any
negative consequences on the system's protection, stability, and security.
This paper offers a thorough overview of several islanding detection
strategies, which are divided into two categories: classic approaches,
including local and remote approaches, and modern techniques, including
techniques based on signal processing and computational intelligence.
Additionally, each approach is compared and assessed based on several
factors, including implementation costs, non-detected zones, declining
power quality, and response times using the analytical hierarchy process
(AHP). The multi-criteria decision-making analysis shows that the overall
weight of passive methods (24.7%), active methods (7.8%), hybrid methods
(5.6%), remote methods (14.5%), signal processing-based methods (26.6%),
and computational intelligent-based methods (20.8%) based on the
comparison of all criteria together. Thus, it can be seen from the total weight
that hybrid approaches are the least suitable to be chosen, while signal
processing-based methods are the most appropriate islanding detection
method to be selected and implemented in power system with respect to the
aforementioned factors. Using Expert Choice software, the proposed
hierarchy model is studied and examined.
Enhancing of single-stage grid-connected photovoltaic system using fuzzy logi...IJECEIAES
The power generated by photovoltaic (PV) systems is influenced by
environmental factors. This variability hampers the control and utilization of
solar cells' peak output. In this study, a single-stage grid-connected PV
system is designed to enhance power quality. Our approach employs fuzzy
logic in the direct power control (DPC) of a three-phase voltage source
inverter (VSI), enabling seamless integration of the PV connected to the
grid. Additionally, a fuzzy logic-based maximum power point tracking
(MPPT) controller is adopted, which outperforms traditional methods like
incremental conductance (INC) in enhancing solar cell efficiency and
minimizing the response time. Moreover, the inverter's real-time active and
reactive power is directly managed to achieve a unity power factor (UPF).
The system's performance is assessed through MATLAB/Simulink
implementation, showing marked improvement over conventional methods,
particularly in steady-state and varying weather conditions. For solar
irradiances of 500 and 1,000 W/m2
, the results show that the proposed
method reduces the total harmonic distortion (THD) of the injected current
to the grid by approximately 46% and 38% compared to conventional
methods, respectively. Furthermore, we compare the simulation results with
IEEE standards to evaluate the system's grid compatibility.
Enhancing photovoltaic system maximum power point tracking with fuzzy logic-b...IJECEIAES
Photovoltaic systems have emerged as a promising energy resource that
caters to the future needs of society, owing to their renewable, inexhaustible,
and cost-free nature. The power output of these systems relies on solar cell
radiation and temperature. In order to mitigate the dependence on
atmospheric conditions and enhance power tracking, a conventional
approach has been improved by integrating various methods. To optimize
the generation of electricity from solar systems, the maximum power point
tracking (MPPT) technique is employed. To overcome limitations such as
steady-state voltage oscillations and improve transient response, two
traditional MPPT methods, namely fuzzy logic controller (FLC) and perturb
and observe (P&O), have been modified. This research paper aims to
simulate and validate the step size of the proposed modified P&O and FLC
techniques within the MPPT algorithm using MATLAB/Simulink for
efficient power tracking in photovoltaic systems.
Adaptive synchronous sliding control for a robot manipulator based on neural ...IJECEIAES
Robot manipulators have become important equipment in production lines, medical fields, and transportation. Improving the quality of trajectory tracking for
robot hands is always an attractive topic in the research community. This is a
challenging problem because robot manipulators are complex nonlinear systems
and are often subject to fluctuations in loads and external disturbances. This
article proposes an adaptive synchronous sliding control scheme to improve trajectory tracking performance for a robot manipulator. The proposed controller
ensures that the positions of the joints track the desired trajectory, synchronize
the errors, and significantly reduces chattering. First, the synchronous tracking
errors and synchronous sliding surfaces are presented. Second, the synchronous
tracking error dynamics are determined. Third, a robust adaptive control law is
designed,the unknown components of the model are estimated online by the neural network, and the parameters of the switching elements are selected by fuzzy
logic. The built algorithm ensures that the tracking and approximation errors
are ultimately uniformly bounded (UUB). Finally, the effectiveness of the constructed algorithm is demonstrated through simulation and experimental results.
Simulation and experimental results show that the proposed controller is effective with small synchronous tracking errors, and the chattering phenomenon is
significantly reduced.
Remote field-programmable gate array laboratory for signal acquisition and de...IJECEIAES
A remote laboratory utilizing field-programmable gate array (FPGA) technologies enhances students’ learning experience anywhere and anytime in embedded system design. Existing remote laboratories prioritize hardware access and visual feedback for observing board behavior after programming, neglecting comprehensive debugging tools to resolve errors that require internal signal acquisition. This paper proposes a novel remote embeddedsystem design approach targeting FPGA technologies that are fully interactive via a web-based platform. Our solution provides FPGA board access and debugging capabilities beyond the visual feedback provided by existing remote laboratories. We implemented a lab module that allows users to seamlessly incorporate into their FPGA design. The module minimizes hardware resource utilization while enabling the acquisition of a large number of data samples from the signal during the experiments by adaptively compressing the signal prior to data transmission. The results demonstrate an average compression ratio of 2.90 across three benchmark signals, indicating efficient signal acquisition and effective debugging and analysis. This method allows users to acquire more data samples than conventional methods. The proposed lab allows students to remotely test and debug their designs, bridging the gap between theory and practice in embedded system design.
Detecting and resolving feature envy through automated machine learning and m...IJECEIAES
Efficiently identifying and resolving code smells enhances software project quality. This paper presents a novel solution, utilizing automated machine learning (AutoML) techniques, to detect code smells and apply move method refactoring. By evaluating code metrics before and after refactoring, we assessed its impact on coupling, complexity, and cohesion. Key contributions of this research include a unique dataset for code smell classification and the development of models using AutoGluon for optimal performance. Furthermore, the study identifies the top 20 influential features in classifying feature envy, a well-known code smell, stemming from excessive reliance on external classes. We also explored how move method refactoring addresses feature envy, revealing reduced coupling and complexity, and improved cohesion, ultimately enhancing code quality. In summary, this research offers an empirical, data-driven approach, integrating AutoML and move method refactoring to optimize software project quality. Insights gained shed light on the benefits of refactoring on code quality and the significance of specific features in detecting feature envy. Future research can expand to explore additional refactoring techniques and a broader range of code metrics, advancing software engineering practices and standards.
Smart monitoring technique for solar cell systems using internet of things ba...IJECEIAES
Rapidly and remotely monitoring and receiving the solar cell systems status parameters, solar irradiance, temperature, and humidity, are critical issues in enhancement their efficiency. Hence, in the present article an improved smart prototype of internet of things (IoT) technique based on embedded system through NodeMCU ESP8266 (ESP-12E) was carried out experimentally. Three different regions at Egypt; Luxor, Cairo, and El-Beheira cities were chosen to study their solar irradiance profile, temperature, and humidity by the proposed IoT system. The monitoring data of solar irradiance, temperature, and humidity were live visualized directly by Ubidots through hypertext transfer protocol (HTTP) protocol. The measured solar power radiation in Luxor, Cairo, and El-Beheira ranged between 216-1000, 245-958, and 187-692 W/m 2 respectively during the solar day. The accuracy and rapidity of obtaining monitoring results using the proposed IoT system made it a strong candidate for application in monitoring solar cell systems. On the other hand, the obtained solar power radiation results of the three considered regions strongly candidate Luxor and Cairo as suitable places to build up a solar cells system station rather than El-Beheira.
An efficient security framework for intrusion detection and prevention in int...IJECEIAES
Over the past few years, the internet of things (IoT) has advanced to connect billions of smart devices to improve quality of life. However, anomalies or malicious intrusions pose several security loopholes, leading to performance degradation and threat to data security in IoT operations. Thereby, IoT security systems must keep an eye on and restrict unwanted events from occurring in the IoT network. Recently, various technical solutions based on machine learning (ML) models have been derived towards identifying and restricting unwanted events in IoT. However, most ML-based approaches are prone to miss-classification due to inappropriate feature selection. Additionally, most ML approaches applied to intrusion detection and prevention consider supervised learning, which requires a large amount of labeled data to be trained. Consequently, such complex datasets are impossible to source in a large network like IoT. To address this problem, this proposed study introduces an efficient learning mechanism to strengthen the IoT security aspects. The proposed algorithm incorporates supervised and unsupervised approaches to improve the learning models for intrusion detection and mitigation. Compared with the related works, the experimental outcome shows that the model performs well in a benchmark dataset. It accomplishes an improved detection accuracy of approximately 99.21%.
Developing a smart system for infant incubators using the internet of things ...IJECEIAES
This research is developing an incubator system that integrates the internet of things and artificial intelligence to improve care for premature babies. The system workflow starts with sensors that collect data from the incubator. Then, the data is sent in real-time to the internet of things (IoT) broker eclipse mosquito using the message queue telemetry transport (MQTT) protocol version 5.0. After that, the data is stored in a database for analysis using the long short-term memory network (LSTM) method and displayed in a web application using an application programming interface (API) service. Furthermore, the experimental results produce as many as 2,880 rows of data stored in the database. The correlation coefficient between the target attribute and other attributes ranges from 0.23 to 0.48. Next, several experiments were conducted to evaluate the model-predicted value on the test data. The best results are obtained using a two-layer LSTM configuration model, each with 60 neurons and a lookback setting 6. This model produces an R 2 value of 0.934, with a root mean square error (RMSE) value of 0.015 and a mean absolute error (MAE) of 0.008. In addition, the R 2 value was also evaluated for each attribute used as input, with a result of values between 0.590 and 0.845.
A review on internet of things-based stingless bee's honey production with im...IJECEIAES
Honey is produced exclusively by honeybees and stingless bees which both are well adapted to tropical and subtropical regions such as Malaysia. Stingless bees are known for producing small amounts of honey and are known for having a unique flavor profile. Problem identified that many stingless bees collapsed due to weather, temperature and environment. It is critical to understand the relationship between the production of stingless bee honey and environmental conditions to improve honey production. Thus, this paper presents a review on stingless bee's honey production and prediction modeling. About 54 previous research has been analyzed and compared in identifying the research gaps. A framework on modeling the prediction of stingless bee honey is derived. The result presents the comparison and analysis on the internet of things (IoT) monitoring systems, honey production estimation, convolution neural networks (CNNs), and automatic identification methods on bee species. It is identified based on image detection method the top best three efficiency presents CNN is at 98.67%, densely connected convolutional networks with YOLO v3 is 97.7%, and DenseNet201 convolutional networks 99.81%. This study is significant to assist the researcher in developing a model for predicting stingless honey produced by bee's output, which is important for a stable economy and food security.
A trust based secure access control using authentication mechanism for intero...IJECEIAES
The internet of things (IoT) is a revolutionary innovation in many aspects of our society including interactions, financial activity, and global security such as the military and battlefield internet. Due to the limited energy and processing capacity of network devices, security, energy consumption, compatibility, and device heterogeneity are the long-term IoT problems. As a result, energy and security are critical for data transmission across edge and IoT networks. Existing IoT interoperability techniques need more computation time, have unreliable authentication mechanisms that break easily, lose data easily, and have low confidentiality. In this paper, a key agreement protocol-based authentication mechanism for IoT devices is offered as a solution to this issue. This system makes use of information exchange, which must be secured to prevent access by unauthorized users. Using a compact contiki/cooja simulator, the performance and design of the suggested framework are validated. The simulation findings are evaluated based on detection of malicious nodes after 60 minutes of simulation. The suggested trust method, which is based on privacy access control, reduced packet loss ratio to 0.32%, consumed 0.39% power, and had the greatest average residual energy of 0.99 mJoules at 10 nodes.
Fuzzy linear programming with the intuitionistic polygonal fuzzy numbersIJECEIAES
In real world applications, data are subject to ambiguity due to several factors; fuzzy sets and fuzzy numbers propose a great tool to model such ambiguity. In case of hesitation, the complement of a membership value in fuzzy numbers can be different from the non-membership value, in which case we can model using intuitionistic fuzzy numbers as they provide flexibility by defining both a membership and a non-membership functions. In this article, we consider the intuitionistic fuzzy linear programming problem with intuitionistic polygonal fuzzy numbers, which is a generalization of the previous polygonal fuzzy numbers found in the literature. We present a modification of the simplex method that can be used to solve any general intuitionistic fuzzy linear programming problem after approximating the problem by an intuitionistic polygonal fuzzy number with n edges. This method is given in a simple tableau formulation, and then applied on numerical examples for clarity.
The performance of artificial intelligence in prostate magnetic resonance im...IJECEIAES
Prostate cancer is the predominant form of cancer observed in men worldwide. The application of magnetic resonance imaging (MRI) as a guidance tool for conducting biopsies has been established as a reliable and well-established approach in the diagnosis of prostate cancer. The diagnostic performance of MRI-guided prostate cancer diagnosis exhibits significant heterogeneity due to the intricate and multi-step nature of the diagnostic pathway. The development of artificial intelligence (AI) models, specifically through the utilization of machine learning techniques such as deep learning, is assuming an increasingly significant role in the field of radiology. In the realm of prostate MRI, a considerable body of literature has been dedicated to the development of various AI algorithms. These algorithms have been specifically designed for tasks such as prostate segmentation, lesion identification, and classification. The overarching objective of these endeavors is to enhance diagnostic performance and foster greater agreement among different observers within MRI scans for the prostate. This review article aims to provide a concise overview of the application of AI in the field of radiology, with a specific focus on its utilization in prostate MRI.
Seizure stage detection of epileptic seizure using convolutional neural networksIJECEIAES
According to the World Health Organization (WHO), seventy million individuals worldwide suffer from epilepsy, a neurological disorder. While electroencephalography (EEG) is crucial for diagnosing epilepsy and monitoring the brain activity of epilepsy patients, it requires a specialist to examine all EEG recordings to find epileptic behavior. This procedure needs an experienced doctor, and a precise epilepsy diagnosis is crucial for appropriate treatment. To identify epileptic seizures, this study employed a convolutional neural network (CNN) based on raw scalp EEG signals to discriminate between preictal, ictal, postictal, and interictal segments. The possibility of these characteristics is explored by examining how well timedomain signals work in the detection of epileptic signals using intracranial Freiburg Hospital (FH), scalp Children's Hospital Boston-Massachusetts Institute of Technology (CHB-MIT) databases, and Temple University Hospital (TUH) EEG. To test the viability of this approach, two types of experiments were carried out. Firstly, binary class classification (preictal, ictal, postictal each versus interictal) and four-class classification (interictal versus preictal versus ictal versus postictal). The average accuracy for stage detection using CHB-MIT database was 84.4%, while the Freiburg database's time-domain signals had an accuracy of 79.7% and the highest accuracy of 94.02% for classification in the TUH EEG database when comparing interictal stage to preictal stage.
Analysis of driving style using self-organizing maps to analyze driver behaviorIJECEIAES
Modern life is strongly associated with the use of cars, but the increase in acceleration speeds and their maneuverability leads to a dangerous driving style for some drivers. In these conditions, the development of a method that allows you to track the behavior of the driver is relevant. The article provides an overview of existing methods and models for assessing the functioning of motor vehicles and driver behavior. Based on this, a combined algorithm for recognizing driving style is proposed. To do this, a set of input data was formed, including 20 descriptive features: About the environment, the driver's behavior and the characteristics of the functioning of the car, collected using OBD II. The generated data set is sent to the Kohonen network, where clustering is performed according to driving style and degree of danger. Getting the driving characteristics into a particular cluster allows you to switch to the private indicators of an individual driver and considering individual driving characteristics. The application of the method allows you to identify potentially dangerous driving styles that can prevent accidents.
Hyperspectral object classification using hybrid spectral-spatial fusion and ...IJECEIAES
Because of its spectral-spatial and temporal resolution of greater areas, hyperspectral imaging (HSI) has found widespread application in the field of object classification. The HSI is typically used to accurately determine an object's physical characteristics as well as to locate related objects with appropriate spectral fingerprints. As a result, the HSI has been extensively applied to object identification in several fields, including surveillance, agricultural monitoring, environmental research, and precision agriculture. However, because of their enormous size, objects require a lot of time to classify; for this reason, both spectral and spatial feature fusion have been completed. The existing classification strategy leads to increased misclassification, and the feature fusion method is unable to preserve semantic object inherent features; This study addresses the research difficulties by introducing a hybrid spectral-spatial fusion (HSSF) technique to minimize feature size while maintaining object intrinsic qualities; Lastly, a soft-margins kernel is proposed for multi-layer deep support vector machine (MLDSVM) to reduce misclassification. The standard Indian pines dataset is used for the experiment, and the outcome demonstrates that the HSSF-MLDSVM model performs substantially better in terms of accuracy and Kappa coefficient.
Industrial Training at Shahjalal Fertilizer Company Limited (SFCL)MdTanvirMahtab2
This presentation is about the working procedure of Shahjalal Fertilizer Company Limited (SFCL). A Govt. owned Company of Bangladesh Chemical Industries Corporation under Ministry of Industries.
Democratizing Fuzzing at Scale by Abhishek Aryaabh.arya
Presented at NUS: Fuzzing and Software Security Summer School 2024
This keynote talks about the democratization of fuzzing at scale, highlighting the collaboration between open source communities, academia, and industry to advance the field of fuzzing. It delves into the history of fuzzing, the development of scalable fuzzing platforms, and the empowerment of community-driven research. The talk will further discuss recent advancements leveraging AI/ML and offer insights into the future evolution of the fuzzing landscape.
Saudi Arabia stands as a titan in the global energy landscape, renowned for its abundant oil and gas resources. It's the largest exporter of petroleum and holds some of the world's most significant reserves. Let's delve into the top 10 oil and gas projects shaping Saudi Arabia's energy future in 2024.
Final project report on grocery store management system..pdfKamal Acharya
In today’s fast-changing business environment, it’s extremely important to be able to respond to client needs in the most effective and timely manner. If your customers wish to see your business online and have instant access to your products or services.
Online Grocery Store is an e-commerce website, which retails various grocery products. This project allows viewing various products available enables registered users to purchase desired products instantly using Paytm, UPI payment processor (Instant Pay) and also can place order by using Cash on Delivery (Pay Later) option. This project provides an easy access to Administrators and Managers to view orders placed using Pay Later and Instant Pay options.
In order to develop an e-commerce website, a number of Technologies must be studied and understood. These include multi-tiered architecture, server and client-side scripting techniques, implementation technologies, programming language (such as PHP, HTML, CSS, JavaScript) and MySQL relational databases. This is a project with the objective to develop a basic website where a consumer is provided with a shopping cart website and also to know about the technologies used to develop such a website.
This document will discuss each of the underlying technologies to create and implement an e- commerce website.
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.
Vaccine management system project report documentation..pdfKamal Acharya
The Division of Vaccine and Immunization is facing increasing difficulty monitoring vaccines and other commodities distribution once they have been distributed from the national stores. With the introduction of new vaccines, more challenges have been anticipated with this additions posing serious threat to the already over strained vaccine supply chain system in Kenya.
COLLEGE BUS MANAGEMENT SYSTEM PROJECT REPORT.pdfKamal Acharya
The College Bus Management system is completely developed by Visual Basic .NET Version. The application is connect with most secured database language MS SQL Server. The application is develop by using best combination of front-end and back-end languages. The application is totally design like flat user interface. This flat user interface is more attractive user interface in 2017. The application is gives more important to the system functionality. The application is to manage the student’s details, driver’s details, bus details, bus route details, bus fees details and more. The application has only one unit for admin. The admin can manage the entire application. The admin can login into the application by using username and password of the admin. The application is develop for big and small colleges. It is more user friendly for non-computer person. Even they can easily learn how to manage the application within hours. The application is more secure by the admin. The system will give an effective output for the VB.Net and SQL Server given as input to the system. The compiled java program given as input to the system, after scanning the program will generate different reports. The application generates the report for users. The admin can view and download the report of the data. The application deliver the excel format reports. Because, excel formatted reports is very easy to understand the income and expense of the college bus. This application is mainly develop for windows operating system users. In 2017, 73% of people enterprises are using windows operating system. So the application will easily install for all the windows operating system users. The application-developed size is very low. The application consumes very low space in disk. Therefore, the user can allocate very minimum local disk space for this application.
Overview of the fundamental roles in Hydropower generation and the components involved in wider Electrical Engineering.
This paper presents the design and construction of hydroelectric dams from the hydrologist’s survey of the valley before construction, all aspects and involved disciplines, fluid dynamics, structural engineering, generation and mains frequency regulation to the very transmission of power through the network in the United Kingdom.
Author: Robbie Edward Sayers
Collaborators and co editors: Charlie Sims and Connor Healey.
(C) 2024 Robbie E. Sayers
How analytical hierarchy process prioritizing internet banking influencing factors? a research study
1. International Journal of Electrical and Computer Engineering (IJECE)
Vol. 13, No. 6, December 2023, pp. 6646~6653
ISSN: 2088-8708, DOI: 10.11591/ijece.v13i6.pp6646-6653 6646
Journal homepage: http://ijece.iaescore.com
How analytical hierarchy process prioritizing internet banking
influencing factors? a research study
Khairi Azhar Aziz1
, Salfarina Abdullah1
, Marzanah A. Jabar1
, Rozi Nor Haizan Nor1
Nur Ilyana Ismarau Tajuddin2
1
Department of Software Engineering and Information System, Faculty of Computer Science and Information Technology,
Universiti Putra Malaysia, Selangor, Malaysia
2
Tamhidi Centre, Universiti Sains Islam Malaysia, Negeri Sembilan, Malaysia
Article Info ABSTRACT
Article history:
Received Jun 9, 2022
Revised May 22, 2023
Accepted Jun 26, 2023
Internet banking is a method for conducting financial transactions online that
makes use of the internet as a platform. Customers could transact at any time
and from any location. Numerous aspects relating to the adoption of internet
banking have been analyzed and studied in recent in-depth studies from the
literature. This paper will merge these numerous predefined factors into a
model by drawing on the various ideas related to the acceptance model. It
was decided to adapt the analytical hierarchy process (AHP) method for
finding the important numerous components for the model. The finest
mathematical calculation method is AHP, which enables decision-makers to
prioritize their ranking in order to satisfy various criteria. The goal of this
research is to rank the elements that influence the use of online banking.
Three main factors such as technical information, website and service
availability were chosen as the main factors of the model based on the
literature review. Sub-factors such as ease of use, responsiveness, privacy,
reliability, security, communication and efficiency were also suggested and
combined into a single integrated framework. Utilizing the systematic
literature review (SLR) methodology, several factors were found. As a
result, the article will enhance understanding of the unique elements
supporting the adoption of internet banking.
Keywords:
Analytic hierarchy process
Internet banking acceptance
Internet banking adoption
Internet banking factors
Multi-criteria decision-making
This is an open access article under the CC BY-SA license.
Corresponding Author:
Salfarina Abdullah
Department of Software Engineering and Information System, Faculty of Computer Science and
Information Technology, Universiti Putra Malaysia
Serdang, Selangor, Malaysia
Email: salfarina@upm.edu.my
1. INTRODUCTION
Adoption of internet banking, which enables users to conduct financial transactions whenever and
wherever they like to complete daily tasks. Customers including public, private, corporate, senior citizens,
and students find internet banking to be popular. Time constraints force customers to use internet banking in
place of over-the-counter services in order to obtain quick services in order to achieve their obligation.
Customers primarily use internet banking for loan repayment, money transfers, and bill payment, according
to [1]. In essence, customer happiness with online banking will influence the level of service [1]. In reality,
any modifications to the internet banking service will take user pleasure into account. If the needs of the
customer are not met, they will be disappointed and frustrated. The best elements to get a positive client
experience, excellence, value, and suitability for usage, could be provided by the service quality. According
to [2], the level of service that is provided to clients will depend on how well their expectations are met.
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Customers will accept the service, presented ideas, and product with the finest service quality. Additionally,
according to [3], the technical information factor was applied and its scope was established by the following
subfactors, including efficiency and reliability. Skvarciany and Jurevičienė [4] also discovered that the
website aspect is the strongest variable that will favorably effect a customer’s adoption of internet banking.
Security, ease of use, and privacy were discovered to boost consumer adoption through an analysis of the
Website factor. According to [5] showed that the subfactors of communication and responsiveness together
with the service availability factor had an impact on the adoption level. Even though they were in their
infancy, these little influences were influencing adoption. The goal of this article is to priorities the elements
that influence the adoption of internet banking and to look at these aspects in more detail. By creating a
decision support system that can analyze methodically and consistently to generate an acceptable and
accurate conclusion, the research seeks to address this [6]. The decision levels in analytical hierarchy process
(AHP) preserve a unidirectional hierarchical relationship. AHP is a simpler and more successful method of
handling both qualitative and quantitative data in multi-criteria decision-making (MCDM) [7]. AHP breaks
down complicated problems from higher hierarchies to lower hierarchies, integrating expert opinions and
assessment scores into a straightforward elementary hierarchy structure [8]. However, the goals of this article
are to look into, analyses, and rank the elements that influence consumer adoption of internet banking. The
AHP technique was applied to this work as a consequence, producing the desired result. Making decisions is
an activity with a major impact on how well a corporation performs. Decisions are everywhere and have an
impact on many facets of our lives. Making decisions is a skill that people use throughout their life because it
is a trait of the human species [9]. AHP is a thorough approach that can address complicated decision-making
issues by organizing the issue, quantifying its elements, and weighing potential solutions using decision
hierarchies. It is theoretically simple to understand, simple to put into practice, and its outcomes are simple
for specialists in other fields to interpret [10]. It is theoretically simple to understand, simple to put into
practice, and its outcomes are simple for specialists in other fields to interpret [11]. Making decisions is a
constant in the industry. As a result, the manager frequently needs to make judgements quickly, even in a
chaotic workplace. The “Garbage can model of organizational choice” has been used to describe
decision-making in similar circumstances [12]. The decision-making procedure is shown in Figure 1.
A set of objects, a set of numbers, and a mapping of objects to numbers are further components of
the AHP measurement scale [13]. The steps are categorizing the issue to create a hierarchy, gathering data
through pairwise comparison, setting priorities, and conducting analysis to find a solution [14]. The range of
alternatives and criteria are compared by the decision-makers as they assess their options. In general, relative
criteria are of various kinds. Multi-criteria analysis has a basic issue with going back to a single unit. The
usage of comparison expressions’ quantitative “equivalents” is essential. Their evaluations are based on a
rating scale created by [14], which offers a way to numerically indicate the relative importance of the
components. Pairwise comparison is the main obstacle for AHP. The pairwise comparison takes into
consideration the following issues: i) each sub criteria must be taken into account for each option; ii) each
sub criteria must be taken into account for the major criterion; and iii) the aim must be taken into account for
each of the main criterion [15]. Using the sorting of numbers to properly mix the priorities that come from
them, AHP aims a rigorous implementation of the scaling problem in this context [13]. Figure 2 shows the
decision-making process.
The AHP does not demand that choices be consistent or transitive but instead offers a
comprehensive framework to deal with intuitive, rational, and irrational judgements concurrently [16].
Overcoming the limitations of traditional AHP, this method methodically formulates specialists’ knowledge
of equipment while effectively allocating the resources that are available [17]. AHP is more suited for
determining weight coefficients because it allows decision-makers to better comprehend the relative value of
interacting alternatives and criteria [11]. The AHP includes beliefs and methods for prioritizing among the
criteria and sub-criteria, leading to different conclusions [18]. Comparing Saaty’s AHP to earlier decision
support techniques, its simplicity is one of its key advantages. Goals, secondary goals or components, and
options are used in a hierarchical manner. By providing a foundation for eliciting, discussing, documenting,
and assessing the components of a choice, it also facilitates the integration of qualitative and quantitative into
the same decision-making technique. Better information management has been seen in the banking sector as
being crucial to guaranteeing the security of all financial transactions [19].
A quantitative examination of a qualitative problem is done using the AHP technique, which has the
advantages of being straightforward, adaptable, and useful. AHP technique may more effectively address the
problem of human resources management strategy optimization in the internet of things industry [20]. It has
two sections, a trim level and a streamline, and is distinguished by the complexity of its many diverse
characteristics. The advantage of this decision-support tool is that the user’s choices and criteria are rated in
pairs to establish the final position. Additionally, the AHP approach is employed since the computation
procedure is straightforward and the logic is logical and understandable [21]. AHP is attractive to a wide
range of MCDM challenges due to its capacity to cope with the expert’s subjective judgements and produce a
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quantitative priority vector that defines each alternative’s relative relevance [22]. The AHP approach is a
procedure that aids decision-makers in discovering the best option rather than a model for determining the
correct response. The value of this methodology for organizations and academic research has been
established. Organizations can prospect their own tactics and those of their rivals with the use of the AHP
approach [23].
Figure 1. Schematic representation of the decision-making process
Figure 2. Decision-making based AHP method
2. METHOD
The decision is the one chosen after carefully weighing all of the alternatives. Since the aim of the
decision maker influences the choice of components, the creator is also interested in learning the outcomes of
the activity rather than the option chosen when making an alternative assessment. There was some degree of
doubt in the choice. Decision-making is the process of choosing the best components from the finest
possibilities available. Decision-making can also be utilized to improve companies through industrial
sustainability, claims [24]. MCDM refers to the process of selecting multiple variables based on the best
available aspects. Due to this, very few theories and methods, such as AHP as recommended by [13], have
been developed to enhance MCDM. The AHP approach is the most widely used MCDM technique,
according to [24], especially in the banking, construction, and engineering industries. This work’s objective
is to resolve decision-making using the AHP approach, which involves giving the recognized elements a
priority. The processes utilized in AHP involve breaking down problems into hierarchical structures that
comprise the purpose, factor, choices, criteria, and sub-criteria, according to researchers [25]. The adoption
of internet banking is done in a step-by-step, hierarchical manner. Level 1 (level 1: goal) is all on defining the
research’s objective. The second level (level 2: criteria) outlines the standards or elements that are widely
used to provide the ideal conditions for online banking, such as the technical information provided by [3], the
website provided by [4], and the availability of services provided by [5]. The final step, step 3:
sub-criteria, involves extracting pairwise comparisons to the ultimate objective. To clarify the AHP concept,
the authors chose these levels of hierarchical isolation. Previous studies did not measure their research using
the AHP approach. As a result, the writers are given information in this study about factors to priorities
utilizing the AHP technique. These seven criteria were selected after a thorough literature search and
discussions with decision group experts. Figure 3 depicts how AHP responds to the problems.
The pairwise comparison is important for the AHP’s design since it makes it possible to quantify
impact criteria to level 1, which is a goal. In general, the stages demonstrate that a fair comparison between
the criteria and the study purpose was made. As a result, the technique involves extracting a test for the major
factors’ consistency. The process step that improves pairwise comparisons of criteria and goal. The relative
relevance of each criterion in relation to one another is also determined using the pairwise matrix. Table 1
demonstrates how significant and on what scale each number in [26] is valued.
This study will try to demonstrate how the adoption of internet banking ranks depending on the stated
parameters by employing the AHP technique. This method can be used in the banking industry to assess service
quality while also determining which service quality has the most impact on the services and requires the most
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work to provide [27]. As a result, a variety of decision-related problems could be solved using this decision
support technique. According to [21], the AHP is the best method and reasonable to apply to choose the right
factors element when trying to resolve multiple factors in internet banking adoption. The superiority of the
decision support method was demonstrated by paired pair assessments of expert-supported criteria. The AHP
concept was also chosen because of its simple, logical, and transparent computation process.
Figure 3. AHP process based on hierarchical tree
Table 1. Value of the score variable
Verbal judgement Numeric value
Extremely important 9
8
Very strong more important 7
6
Strong more important 5
4
Moderately more important 3
2
Equally important 1
3. RESULTS AND DISCUSSION
Based on the AHP methodology, the findings of the adoption of online banking from Figure 1 are
displayed below. To calculate this scale, use the [26] pairwise comparison scale as shown in Table 1. The
scale is used to rank the relevance of and influence on decision-making of various factors. Table 2 contrasted
pairwise primary criteria with a broad objective. Service availability achieved the greatest total out of those,
with a matrix value of 6.0. This demonstrates that the goal is significantly influenced by the service
availability. Website with matrix value 1.75 and technical information with matrix value 4.
A matched comparison of sub-criteria that are on the same level is required in the following phase
as well. As shown in Tables 3, 4, and 5, there is a contrast. Table 3 shows that among the sub-criteria for
technical information, reliability has the highest matrix value, 2.50, followed by efficiency, 1.67. Table 4
shows that privacy, with a matrix value of 5.00, is the website sub-criteria with the highest matrix value.
Security is ranked third with a matrix score of 1.83, and ease of use is ranked second with a matrix value of
4.50. According to Table 5, among the service availability sub-criteria, responsiveness has the highest matrix
value at 4.03, followed by communication at 1.33. The sub-criteria responsiveness with a matrix value 1 and
communication with a same matrix value 1.
Table 2. Pairwise comparisons for the criteria
Goal Technical Information Website Service availability
Technical information 1 2/4 1
Website 2 1 4
Service availability 1 1/3 1
Total 4 1.75 6.0
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Table 3. Technical information sub-criteria, pairwise comparison
Goal Efficiency Reliability
Efficiency 1 3/2
Reliability 0.06 1
Total 1.67 2.50
Table 4. Using pairwise comparisons, compare the website sub-criteria
Goal Security Ease of use Privacy
Security 1 3 2
Ease of use 1/3 1 2
Privacy ½ 1/2 1
Total 1.83 4.50 5.00
Table 5. Pairwise comparison for the sub-criteria of service availability
Goal Responsiveness Communication
Responsiveness 1 1/3
Communication 3.03 1
Total 4.03 1.33
Tables 6 and 7 display the consistency ratio (CR) between the consistency index (CI) and random
index (CI) for level 2 criteria (technical data, website accessibility, and service accessibility). According to
the findings, the total of pairwise comparison of the criteria using a normalized matrix is 100% as Table 6,
CR is 0.04 and CI is 0.025 as Table 7.
Table 6. Pairwise comparison of the criteria using a normalized matrix
Goal Technical
information
Website Service
availability
Priority
Technical information 0.25 0.27 017 23.41%
Website 0.50 0.55 0.67 57.94%
Service availability 0.25 0.18 017 18.65%
Total 100%
Table 7. Calculation of λmax
Weighted-Sum (WS) Priority (P) WS/P CI=(λmax-n)/(n-1) CR=CI/RI
0.73 0.2341 3.0338983 =(3.05=3)/(3-1) =0.025/0.66
1.75 0.5794 3.0958904 =(0.05)/(2) =0.04
0.63 0.1865 3.0319149 =0.025
Tables 8 and 9 display the CR between the CI and RI for the level 3 sub-criteria (efficiency and
reliability). The results sub-criteria for technical data in pairwise normalized matrix comparison is 100% as
Table 8, while CI and CR is demonstrated to be 0 as Table 9. The CR of the CI to the RI for level 3
sub-criteria (website) are shown in Tables 10 and 11. The results pairwise comparison of the normalized
matrix for the website sub-criteria is 100% as Table 10, while CI is 0.07 and CR is 0.10 as Table 11.
Table 8. Sub-criteria for technical data in pairwise normalized matrix comparison
Goal Efficiency Reliability Priority
Efficiency 0.60 0.60 60%
Reliability 0.40 0.40 40%
Total 100%
Table 9. Determining the λmax for the technical information sub-criteria
Weighted-Sum (WS) Priority (P) WS/P CI=(λmax-n)/(n-1) CR=CI/RI
0.93 0.6 2 =(2-2)/(2-1) =0/0.66
1.07 0.4 2 =(0)/(1) =0
=0
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Table 10. Pairwise comparison of the normalized matrix for the website sub-criteria
Goal Security Ease of use Privacy Priority
Security 0.55 0.67 0.4 53.74%
Ease of use 0.18 0.22 0.4 26.80%
Privacy 0.27 0.11 0.2 19.46%
=100%
Table 11. λmax for the website’s sub-criteria calculation
Weighted-Sum (WS) Priority (P) WS/P CI=(λmax-n)/(n-1) CR=CI/RI
1.46 0.5374 3.2205514 =(3.13-3)/(2-1) =0.7/0.7
0.88 0.2680 3.120603 =(0.13)/(2) =0.10
0.65 0.1946 3.0692042 =0.07
Tables 12 and 13 display the consistency ratio (CR) of the consistency index (CI) to random index
(RI) for the level 3 sub-criteria (service availability). The outcome for CI and CR is shown to be 0.
Researchers [14], [28], [29] states that if CR indicates that less than 0.10, the judgements are acceptable with
sufficiently consistent results. It must be revised and corrected if the CR is greater than 0.10. This essay
establishes the efficacy and applicability of the priority’s method to the model or framework.
Table 12. Pairwise comparison of the normalized matrix for the service availability sub-criteria
Goal Responsiveness Communication Priority
Responsiveness 0.25 0.25 24.81%
Communication 0.75 0.75 75.19%
=100%
Table 13. λmax calculation for the sub-criteria for service availability
Weighted-Sum (WS) Priority (P) WS/P CI=(λmax-n)/(n-1) CR=CI/RI
0.65 0.2481 2 =(2-2)/(2-1) =0/0.66
1.35 0.7519 2 =(2)/(1) =0
=0
The ranking-based factors are shown in Table 14. The ease-of-use element has the highest effect
weight value (24.83%) among the comparison criteria. Communication is ranked last, with a weight value of
4.67%, and security is ranked second, with a weight value of 22.08%. This demonstrates that the most
common strategy to influence the adoption of internet banking is through the aspect of usability. Researchers
[16] have shown and offered proof that AHP could assist decision-makers in putting together choices to settle
numerous conflicting issues.
Table 14. Ranking of factors
Criteria Factors Weight (%) Ranking
Technical information (23.41%) Efficiency 7.8 6
Reliability 15.6 3
Website (57.94%) Security 22.08 2
Ease of use 24.83 1
Privacy 11.03 5
Service availability (18.65%) Responsiveness 13.99 4
Communication 4.67 7
4. CONCLUSION
This study demonstrates the efficacy of the AHP approach for assessing variables influencing the
adoption of online banking. This study successfully combines three levels of thought to access the ordering
of priority. To address concerns with the adoption and evaluation of internet banking, it is anticipated that the
new researchers will be able to enhance and broaden the AHP technique. The suggested tactic served to
illustrate their capacity for making choices while identifying and weighing the greatest features. The
approaches are thought to be appropriate for organizational decision-making. This mechanism method is used
to identify factors in this paper. As we all know, the AHP technique uses prioritized rankings to handle
multi-criteria for complicated decision problems. In addition, a hybrid approach or combination of methods
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might be used to rank the criteria in a future study, and Sabah and Sarawak could be included in the study
rather than only the Klang Valley, Selangor, and Kuala Lumpur.
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BIOGRAPHIES OF AUTHORS
Khairi Azhar Aziz graduated from Universiti Putra Malaysia with a Bachelor’s in
Computer Science (Software Engineering). He graduated with a Master of Information Systems in
2017 from Universiti Kebangsaan Malaysia. His Ph.D. research focuses on the uptake of internet
banking. His broad area of interest includes the domains of enterprise system application,
knowledge-based system, software testing, knowledge management, and information and
communication technology. He can be contacted at email: hairie_azdhar@yahoo.com.
Salfarina Abdullah is a Senior Lecturer at Universiti Putra Malaysia’s in Faculty of
Computer Science and Information Technology. She graduated from Universiti Putra Malaysia
with a Bachelor of Computer Science (Computer System), a Master of Science in Management
Information System, and a Ph.D. in Knowledge Management. Information system (business
informatics), software engineering, knowledge management, IT project management, information
system management, and IT governance are her main areas of study interest. The following
information provides an overview of the author: https://www.researchgate.net/profile/Salfarina-
Abdullah-3, She can be contacted at email: salfarina@upm.edu.my.
Marzanah A. Jabar is a Senior Lecturer at Universiti Putra Malaysia’s in Faculty
of Computer Science and Information Technology. In 1986, she earned a Bachelor’s Degree in
Computer Science from Universiti Kebangsaan Malaysia. Universiti Putra Malaysia awarded
her a Master of Science in Computer Science in 2002. Additionally, she graduated from
Universiti Putra Malaysia with a Ph.D. in Management Information System in 2008. Her main
areas of interest in research are database application development, information systems, human
computer interaction, enterprise system development, software project management, and
software development. The following information provides an overview of she:
https://www.researchgate.net/profile/Marzanah-A-Jabar. She can be contacted at email:
marzanah@upm.edu.my.
Rozi Nor Haizan Nor received her Ph.D in Computer Science from the University
of Technology Malaysia (UTM), Skudai, Johor, Malaysia, in 2013. She is presently employed as
a Senior Lecturer in the Faculty of Computer Science and Information Technology, Universiti
Putra Malaysia (UPM), Selangor, Malaysia. She currently has the designation of Professional
Technologist and is a member of the Malaysia Board of Technologists (MBOT) Malaysia. Her
expertise is in the fields of software engineering, information systems, and the quality of ICT
services and governance. Her current study focuses on the administration of collaborative
systems and public participation in ICT e-services. She has been a Senior Lecturer in the fields
of information systems and software engineering for more than 10 years. She has worked as a
Project Leader for two research projects totaling around RM90,000 in the past and has
authored or co-authored more than 50 publications in journals, conference proceedings,
seminars, technical reports, and book chapters. She also owns roughly three copyrights
associated with her name. The following information provides an overview of the author:
https://www.researchgate.net/profile/Rozi-Nor-Nor, She can be contacted at email:
rozinor@upm.edu.my.
Nur Ilyana Ismarau Tajuddin is a Senior Lecturer at Universiti Sains Islam
Malaysia (USIM). She received her Ph.D. in Information Systems from Universiti Putra
Malaysia (UPM). Her undergraduate degree in computing from University Teknologi Mara
(UiTM) and her Master’s Degree in Management Information Systems from University
Kebangsaan Malaysia (UKM) respectively. She teaches quantitative methods, C++
programming, business modelling, internet in practice, and business information systems.
Knowledge management, management information systems, information technology strategic
planning, performance assessment, entrepreneurship, and information ethic and policy are
some of the topics she is interested in researching. https://www.researchgate.net/profile/Nur-
Ilyana-Ismarau-Tajuddin, https://tamhidi.usim.edu.my/ms/akademik-sains-dan-ict/. She can be
contacted at email: nur_ilyana@usim.edu.my.