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The IUP Journal of Science and Technology
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The research paper, "Microstructure and Properties of Welded 15CDV6 Alloy Steel", by B V R Ravi Kumar and J S Soni, studies the differences in macro and microstructure of weldments made on 15CDV6 alloy steel using gas tungsten arc welding with non-pulsed and pulsed current at frequencies of 2, 4 and 6 Hz, respectively. The study aims to improve the mechanical integrity of the weldments. Weld joint efficiency of the material at different welding process parameters has been studied and explained in terms of the microstructure of the weldment.

Skeletochronology is one of the major techniques of age determination that studies the presence of growth layers in the long bones by counting the Lines of Arrested Growth (LAG). This technique is convenient and suitable for investigating the population age structure in nature without killing animals. Many important aspects of population life history can be elucidated from such studies. In the paper, "Estimation of Age and Growth by Skeletochronology in Paddy Field Frog, Rana limnocharis", amphibian demographic investigations have been carried out by B N Andia, P K Dixit, S Behera, G Mishra and H N Behera. The growth rate, longevity, and the age at first breeding have already been clarified in populations of various amphibian species. On the basis of the results obtained on the analysis of age structure, age at first reproduction and growth pattern of those species whose local populations have been markedly declining, immediate conservation measures could be taken.

The paper, "HDL Implementation of Sine-Cosine Function Using CORDIC Algorithm in 32-Bit Floating Point Format", by Ashutosh Gupta, Manoj Duhan and Solomon Raju Kota, proposes a novel way to implement sine and cosine functions in CORDIC algorithm with efficient architectures. The Jack E Volder's CORDIC algorithm has been derived from the general equations for vector rotation and the value of sine and cosine functions have been calculated in IEEE-754-1985 standardized single precision floating point format. The algorithm has been implemented in FPGA using VHDL. The main advantage of the technique would be that the normalization scheme used reduces error and relatively long streams of data could be processed with no extra hardware.

Video indexing consists of describing the content of audiovisual sequences from a video database to allow their retrieval. This concerns television archives, digital libraries, video servers, and digital broadcasting. Video content includes characters, objects, dialogues and specific events occurring in a video. Traditional text-based retrieval methods cannot be used in video indexing due to the fact that the multimodal nature of video data makes it flabby. Although a number of techniques have been reported for shot transition detection, use of neural network as a tool has gained popularity in recent times. The paper, "Exploiting Shot Transition Detection for Video Indexing and Retrieval", by M Kalaiselvi Geetha and S Palanivel, proposes a novel algorithm to detect shot changes in a video stream using Autoassociative Neural Network (AANN). The authors conclude that detecting shots of less than two seconds duration is possible using this technique.

The field of antenna engineering is central to all wireless technologies, which plays a vital role in the successful deployment of network systems. Some of the requirements imposed on an antenna are: it should be relatively cheap and easy to manufacture; should be light weight and compact with a low profile but have a robust body; and should be environment friendly. The microstrip patch antenna fulfills these requirements, although non-relenting efforts are still on to further miniaturize the antenna. The paper, "Design of Microstrip Patch Antennas Using Neural Network", by Vivek Singh Kushwah and Geetam Singh Tomar, presents the general design of rectangular microstrip antennas, where artificial neural networks have been employed for obtaining the rectangular patch geometry with high accuracy for selective band of frequencies.

Combination of various kinds of artificial intelligence theories in application area of pattern recognition has become one of the most important ways of research in the field of intelligent information processing. Neural network shows a strong ability to solve complex problems for pattern recognition. However, use of neural network in isolation for deriving redundant information from a huge amount of data, could lead to problems, such as too complex network structure, long training time, low converging speed and long computation. The paper, "A Hybrid Approach of Neural Network and Rough Set Theory for Prediction of Fertility Rate from IVF Outcomes", by K Meena and M Durairaj, proposes a method to combine rough set theory with neural network theory and used it in prediction of fertility rate from in-vitro fertilization outcomes. A new Rough Neural Network (RNN) algorithm for the proposed hybrid approach in order to predict semen fertility rate is described. The experimental results support the improved prediction performance of the proposed algorithm.

Performance analysis systems are a specific class of computerized information systems, that support decision-making activities. This would be very useful in the comparative evaluation of maintenance strategies. The paper, "Performance Analysis of a Cattle Feed Plant", by Deepika Garg, Jai Singh and Kuldeep Kumar, presents a performance analysis system for a cattle feed plant. The system for the cattle feed plant has been developed with the help of a mathematical formulation based on birth-death Markov Process, using probabilistic approach. The system performance has been studied for various availability levels for different combinations of failures and repair rates of the subsystems making up the plant. The authors conclude that the elevator is the most critical subsystem and should be given top priority, as the effect of its failure/repair rates on the unit availability is much higher than that of other subsystems.

-- Elizabeth Zacharias
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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