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The IUP Journal of Computer Sciences
Focus
"In scientific work, those who refuse to go beyond fact rarely get as far as fact." –Thomas Huxley The issue contains six research papers and a research note. The first paper, "Evolution of Semantic Schema Matching as a Web Service", by S Vasavi and L S S Reddy describes layer as a service called semantic schema matching, which is initially designed for schema matching over diverse data sources and later exposed as a web service. The paper also presents a road map for use of this service by public clients. P S Gill and Ashish Kr. Srivastava, in their paper, "Three-Pass Cryptosystems Based on Discrete Logarithms", have proposed Three-Pass Crypto schemes based on discrete logarithms. While the first two entail low computational overheads, they are prone to attacks. On the other hand, despite additional overheads, the third scheme is believed to be most secure against attacks. The authors add that this scheme can be used for secure communication of highly sensitive information, even on non-secure channels. The paper, "Underlying Dynamics of Carriers in the Study of Epidemic Models", by Nistala Suresh Rao, Devanand and Peri Sarveswara Avadhani, traces the growth of computer virus in a given population of computers, based on Susceptible-Infected-Susceptible (SIS) model. This model is investigated taking into account the role of carriers. The paper, "Video-Based Person Authentication Using Face and Visual Speech", by M Balasubramanian, S Palanivel and V Ramalingam, proposes an automatic video-based person authentication system using face and visual speech modalities. Facial and visual speech features have been extracted using the multi-scale morphological operations. The paper, "Querying the Distributed Multicolor Database", by R Seethalakshmi, discusses the design issues like object databases and query databases, and their implementation issues like multi-spectral database object retrieval. The last paper, "Model for Color Analysis", by Dipti Shah describes how the model helps domain experts in diverse area in studying various relationships among different parameters in an image. The research note, "A Note on Advancement of Tree", by Sanjay Kumar Pal, Samar Sen Sarma and Anindya Jyoti Pal, brings out the evolution, development and utilization of the tree concepts in Mathematics, Science and several fields of Engineering. The authors have chronologically brought out the historical development of the concept. - CRK Prasad 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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