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The IUP Journal of Information Technology
Focus

Classification is a fundamental data mining technique used to predict group membership for data instances. Conventional classifiers such as decision tree, Bayesian classifier and k-nearest neighbor suffer from serious drawbacks in the presence of noise and uncertainty in data sets. Also, they are unable to handle multiple instances with overlapping attributes that belong to different classes. These limitations are addressed by fuzzy classification. Fuzzy classifiers provide a smooth classification boundary as compared to traditional methods. Further, fuzzy rule-based classifiers are easy to interpret, capable of optimizing more than one objective simultaneously and popular for real-life applications such as face and voice recognition, and handwriting verification. The paper, “Multi-Objective Genetic Algorithms for Fuzzy Classification Rule Mining: A Survey”, by Harihar Kalia, Satchidananda Dehuri and Ashish Ghosh presents an in-depth survey of classification rule mining using multi-objective Genetic Algorithms (GAs). The authors conclude that qualitative measures of fuzzy rule-based system, learning and tuning of membership functions, and concavity of the problem require further intensive research for advancement of this hybrid approach.

Most businesses gather enormous amount of data from specific geographical locations that help them improve business performance and increase profitability. For example, a shorter distance between a supermarket and residential colonies definitely influences the customers visiting the supermarket compared to another that is located far away. Many critical business decisions involve a location component. Location intelligence is a technological method of gathering and processing data such as economics, demographics, physical geography and other related data pertaining to location in order to better understand customers, markets and services to be offered by the business organization. Location intelligence helps detect patterns, evaluate risks and opportunities which may not be possible in a conventional spreadsheet analysis.

It offers a range of benefits which ultimately translate to increased revenue, reduced costs and improved efficiency for the business. The paper, “Location Intelligence Mashup Using Open Source Software and Google Maps API”, by K V N Rajesh describes an approach to implement location intelligence by using various open source web technologies, Google Maps Application Program Interface (API) and MySQL database. This approach displays the city-wise sales revenue for a fictional retail chain. It provides a good example of how diverse open source software and APIs can be intelligently fit together to create a smart working application that can deliver business value.

Cybercrimes severely affect the business and the society. There are several types of cybercrimes which range from hacking into a computer network to phishing that gives a false sense of security, prompting the users to divulge sensitive information. There is no panacea to these global phenomena. However, understanding the nature and effects of various cybercrimes is an important first step in comprehending the necessary security measures for preventing the crimes as well as minimizing the damaging consequences of the crimes. The paper, “Cybercrimes and the Nigerian Academic Institution Networks”, by Shafi’i Muhammad Abdulhamid, Chiroma Haruna and Adamu Abubakar, discusses different types of cybercrimes that are prevalent in Nigeria.

It presents a survey on the crimes that are carried out by the use of academic institution networks as the access point. The findings show that the Yahoo Boys attack is very popular even in the academia and that students are the most active participants in cybercrimes in the Nigerian institution networks. It is also found that it is possible to create a taxonomy of scams and scammers, and develop tools, measures, campaigns and laws that will deal with the menace of cybercrime.

Small and Medium-sized Enterprises (SMEs) are the driving forces for employment generation, economic growth of the nation and competitiveness in business. Indian auto ancillary SMEs are rapidly growing and India is becoming a hub for many global auto majors. Today in the globalization era, the use of Information Technology (IT) is very essential for a business. It enables the firm to integrate with their global and domestic customers. It improves process efficiency and enhances competitiveness. However, IT penetration into SMEs in India is lagging behind their global counterparts. The paper, “Determinants of Basic IT Adoption by Auto Ancillary SMEs in India”, by P Dharmalingam and G Kannabiran, presents a study of basic IT adoption in auto ancillary sector. The findings show that lack of financial capacity, lack of in-house IT manpower and small-scale operation are the major determinants which cause the low rate of adoption in India. At the same time, perceived benefits, perceived competitive pressure and awareness of changes in business environment are the motivating factors for such adoption.

-- A C Ojha
Consulting Editor

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Automated Teller Machines (ATMs): The Changing Face of Banking in India

Bank Management
Information and communication technology has changed the way in which banks provide services to its customers. These days the customers are able to perform their routine banking transactions without even entering the bank premises. ATM is one such development in recent years, which provides remote banking services all over the world, including India. This paper analyzes the development of this self-service banking in India based on the secondary data.

The Information and Communication Technology (ICT) is playing a very important role in the progress and advancement in almost all walks of life. The deregulated environment has provided an opportunity to restructure the means and methods of delivery of services in many areas, including the banking sector. The ICT has been a focused issue in the past two decades in Indian banking. In fact, ICTs are enabling the banks to change the way in which they are functioning. Improved customer service has become very important for the very survival and growth of banking sector in the reforms era. The technological advancements, deregulations, and intense competition due to the entry of private sector and foreign banks have altered the face of banking from one of mere intermediation to one of provider of quick, efficient and customer-friendly services. With the introduction and adoption of ICT in the banking sector, the customers are fast moving away from the traditional branch banking system to the convenient and comfort of virtual banking. The most important virtual banking services are phone banking, mobile banking, Internet banking and ATM banking. These electronic channels have enhanced the delivery of banking services accurately and efficiently to the customers. The ATMs are an important part of a bank’s alternative channel to reach the customers, to showcase products and services and to create brand awareness. This is reflected in the increase in the number of ATMs all over the world. ATM is one of the most widely used remote banking services all over the world, including India. This paper analyzes the growth of ATMs of different bank groups in India.
International Scenario

If ATMs are largely available over geographically dispersed areas, the benefit from using an ATM will increase as customers will be able to access their bank accounts from any geographic location. This would imply that the value of an ATM network increases with the number of available ATM locations, and the value of a bank network to a customer will be determined in part by the final network size of the banking system. The statistical information on the growth of branches and ATM network in select countries.

Indian Scenario

The financial services industry in India has witnessed a phenomenal growth, diversification and specialization since the initiation of financial sector reforms in 1991. Greater customer orientation is the only way to retain customer loyalty and withstand competition in the liberalized world. In a market-driven strategy of development, customer preference is of paramount importance in any economy. Gone are the days when customers used to come to the doorsteps of banks. Now the banks are required to chase the customers; only those banks which are customercentric and extremely focused on the needs of their clients can succeed in their business today.

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