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The IUP Journal of Structural Engineering
Focus

The first paper of this issue, "Analysis of Anchorage Zone by Finite Element Method on Windows Nt Cluster", by the authors, P K Gupta and R N Khapre, deals with the anchorage zone of a prestressed post-tensioned concrete beam. The problem has been analyzed by finite element technique using cluster approach of computing. Three parallel solvers of Gauss-Seidel Method (GES), Gauss Elimination Method (GEM) and Matrix Inversion Method (MIM) have been used on the cluster to achieve reduction in computational time for obtaining solution of system of linear equations. The performance of these solvers is compared and the most efficient one has been utilized in the finite element analysis. The FEM software has been developed on Windows NT platform to obtain solution. The efficiency of the performance of these solvers has been compared. For the problem analyzed, it is found that the matrix inversion method is the most efficient of the three parallel solvers and it gives highest speed and takes minimum computational time. The significant finding of this work is that employing three to five computers is most efficient, but it is dependent on the size of the finite element mesh. Excessive increase in the number of computers results in increase of total time.

The next paper, "Boundary Element Analysis of Elastic Line Inclusions", by Mohammed Ameen, deals with modeling of elastic line inclusions in a two-dimensional elastic continuum of finite extent using boundary element method. The previous works, as reported in the literature, have dealt with elastic line inclusion by replacing it with rigid inclusion so as to reduce the complexity of the problem. In this work, a boundary integral formulation with the elasticity of the line inclusion is accurately modeled. The elastic continuum is discretized using the boundary element method, whereas the line inhomogeneity is modeled using linear and quadratic interpolation element. A linearly elastic, homogeneous, isotropic two-dimensional continuum matrix, with a few embedded linearly elastic line inclusions, has been considered for analysis. The formulations have been developed and applied to a problem of fiber composite under uniaxial loading. Another example demonstrated is a simply supported concrete beam with tension and compression reinforcement. Numerical results obtained demonstrate the validity and usefulness of the above method.

Unreinforced Masonry (URM) infills are invariably used in all parts of the world to fill up the space between columns in framed buildings. This is due to their low cost, ease in construction and good sound and heat absorption properties. But safety of these infills under seismic forces is a major problem. They are subjected to inplane forces due to inter-storey drift and out-of-plane forces due to floor acceleration. Their behavior under such excitations have been observed in high rise framed structures. Base isolation is a good tool to control inter-storey drift and floor acceleration at the same time. Base isolation tries to separate the foundation from the superstructure so that minimum earthquake forces are transmitted to the superstructure and thus the vibration of the structure is controlled. In the third paper, "Efficacy of Base Isolation for Seismic Safety of URM Infills in RC Frame Buildings", by the authors Yogendra Singh, Samik Chakraborty and Ratnesh Kumar, explore the efficacy of base isolation for achieving desired seismic response of URM infills. A procedure for base isolation system using URM infill in framed building has been outlined. Two buildings have been studied and their dynamic characteristics, seismic performance, inter-storey drift and peak floor acceleration have been studied.

The fourth paper, "Free and Forced Vibration Interactive Analysis of a Framed Structure Under Varying Soil Medium", by Kumar Venkatesh, Y K Gupta and Alok Athaley, deals with the interactive analysis for free and forced vibration of a framed structure, including soil medium. The properties of soil on which a structure stands plays a significant role in its dynamics response. In this analysis, the authors have calculated the dynamic response under varying soil properties. The finite element technique has been employed for estimation of response, including soil interaction effect. The soil continuum and raft foundation on which the structure is assumed to be founded have been discretized using four-noded isoparametric element and superstructure by two-noded beam elements. With this idealization, the free vibration under varying soil conditions have been studied. Similarly, forced vibration effect has been studied in terms of stress and strain developed. The study of the example problem concludes that variation of Young's modulus of soil effectively influences the frequency response of framed structure, whereas variation of Poisson's ratio of soil has modest influence frequency. Free vibration analysis of the structure consists of horizontal, vertical and rocking mode of vibration, whereas in non-interactive case horizontal mode is predominant. Variation of soil properties influences significantly the stresses at soil foundation interaction as compared to structure foundation interaction. Young's Modulus of soil plays a key role in static and dynamic behavior of structure as compared to Poisson's ratio. These findings are significant and would help in practical application.

The next paper, "Structural Properties of Polypropylene Fiber Reinforced Concrete", by K Saravana Raja Mohan, P Jayabalan and A Rajaraman, deals with strength of concrete reinforced with fly ash and polypropylene fiber. Such studies have been reported by various researchers with varying results. Fly ash has been used as a partial substitute in concrete mix because of its easy availability. The authors report that addition of fly ash reduces the strength of concrete and to compensate for the loss of strength, polypropylene fiber has been introduced. The fly ash has been varied from 0-30% and fiber content from 0-0.60% in the mix. It has been found that the loss in strength due to addition of fly ash can be compensated with the addition of polypropylene fiber. The authors conclude that fly ash and polypropylene fiber mixed concrete shows a better performance than ordinary concrete. From the results obtained, it appears that 15% of fly ash by weight of cement and 0.15% of fiber by weight of concrete produce a maximum compressive strength after 7, 14 and 28 days as 25.25 N/mm2, 24.25 N/mm2 and 26.00 N/mm2 respectively. It means strength reduction takes place for 14 days and there is not much increase in strength between 7 days and 28 days. From the results reported, no definite conclusion can be arrived at and more work needs to be done for any specific recommendation for practical application.

-- Satyendra P Gupta
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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