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The IUP Journal of Information Technology
ISSN: 0973-2896
A ‘peer reviewed’ journal indexed on Cabell’s Directory,
and also distributed by EBSCO and Proquest Database

Sep'16

Previous Issues

The IUP Journal of Information Technology is a quarterly journal that seeks to update the readers with latest developments in the rapidly changing field of Information Technology. IJIT provides articles on emerging tools, technologies and paradigms relating to various aspects of IT. Apart from these, it also provides IT certification details and book reviews. It also provides articles dealing with programming and testing tools.

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  • Database Systems
  • Programming Languages
  • Software Engineering and Project Management
  • Web Technologies
  • Mobile Computing
  • Network and Distributed Computing
  • Computer Security
  • Intelligent Systems
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Penetration of e-Transactions in Odisha: Issues, Challenges and the Way Forward
Towards Engineering of Agent-Based System
Content-Based Image Retrieval Using Statistical Feature and Shape Extraction
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Contents
(Sep'16)

Penetration of e-Transactions in Odisha: Issues, Challenges and the Way Forward

--Shubhashree Jena and Saurabh Nath

With the phenomenal developments in the field of digital revolution taking off at an exponential pace, in recent times, most of the industries, including banking and financial services sectors, have been influenced in some way or the other. While the entire world talks about the technological pillars like Big Data Analytics, Cloud Computing and Internet of Things (IoT), which have had a major role in transforming the global economy into a digital economy, the Central Banks of some major economies have not stayed back in the race of leveraging technology in order to automate their day-to-day functioning. This paper intends to explore the area of payment and settlement systems of Reserve Bank of India in general and e-transactions involving the State Governments in particular. It includes a brief introduction to the Core Banking System of RBI, i.e., e-Kuber and the Cyber Treasury portal, i.e., Integrated Financial Management System (IFMS) of the state of Odisha. It also includes details about the e-receipts and e-payments concerning Government’s transactions and brings forward the issues involved therein. As retail payment channels like Internet banking, mobile banking and digital wallets have begun taking shape in the last few years, and RBI being the regulator/overseer has set out certain norms that need to be adhered to, a survey was conducted to identify the factors considered as most important in the adoption of e-banking services from the citizens’ perspective. The areas of concern that needed prime focus of the regulator have been pointed out, following which there are certain recommendations that could be implemented in order to ensure better realization of the objectives set out in the payment and settlement systems vision document 2012-15.

Towards Engineering of Agent-Based System

--Ananta Charan Ojha

Software agent technology promises an exciting new means of analyzing, designing and building complex software systems. Agent-oriented approach has the potential to significantly improve the current practices in software engineering to tackle complexity. Consequently, agent-based systems have been making inroads into practical deployments gradually after several decades of active research. However, industrialization of agent technology and agent-based systems requires agent-oriented methodologies to aid analysis and design of high quality software; agent development platforms to implement software; and standardization of the technology to facilitate adoption and interoperation between agent-based systems. Towards this end, the paper provides a review of these critical aspects and presents the state-of-the-art development thereof.

Content-Based Image Retrieval Using Statistical Feature and Shape Extraction

--Piyush Kothyari, Shriprakash Dwivedi and H L Mandoria

Content-Based Image Retrieval (CBIR) is based on automated matching of the features of the query image with that of the image database through some image similarity evaluation. This can be done by extracting a useful feature from the query image and database image. The features like histogram, texture and shape extraction play a very vital role in the proper image retrieval. In this paper, a method of image retrieval is implemented using the histogram and statistical and shape features. The proposed method consists of two phases. In the first phase,statistical or texture feature is computed from each non-uniform histogram bin for each RGB color components. After that, similarity is calculated between the query image and database image using Euclidean distance to retrieve first round of result which is denoted as result A. In the second phase, shape feature is used to extract the feature from result A and again the similarity is measured between the query image and the resulting image. In the final result, most similar images are shown. The proposed method is tested on Wang image database containing 1000 general purpose color images and the results are shown in terms of precision and recall. The performance of the proposed method is compared with the existing systems in the literature.

 

 

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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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