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The IUP Journal of Telecommunications
Focus

To screen out a particular band, or spread, or frequencies from a wider range of mixed signals, wireless-telecommunication systems use a band-pass filter that allows frequencies within a certain range to pass through, while rejecting frequencies that are outside the prescribed range. And with the advent of widespread mobile telephone system, the need for such screening with high selectiveness is felt more today than in the past. To meet this demand, the usage of Stepped Impedance Resonators (SIR) in filters has obviously gone up.

Against this backdrop, the authors, Jignesh Patoliya, Ved Vyas Dwivedi and Y P Kosta, of the first paper of the issue, "Miniaturized Modeling of a Quasi-Elliptic Tri-Band Pass Filter Using a Folded Tri-Section Stepped Impedance Resonator for Improved Performance", have designed and developed the SIR-based highly miniaturized triple band-pass quasi-elliptic microstrip filter, numerically simulated it and the electromagnetic responses obtained in the form of graphical results were analyzed. The authors opine that the results obtained are in general agreement with the standard published filter-requirements. The authors have found the rejection characteristics in the S_, C_ and X_ bands as well. The authors further claim that the size of the prototype filter circuit developed by them and its miniaturized volumetric dimensions are added advantages being at around 35 ´ 24 mm2 and 666 mm3 respectively. Incidentally, the miniaturized volumetric dimensions are said to be less than 56% of the conventional stepped impedance resonator-based tri-section filter.

Moving away from filters to means of computing blocking in a loss network, we have, Jorma Jormakka, the author of the second paper, "A Combinatorial Method of Computing Blocking in a Loss Network with Non-Stationary Arrivals", who, treating an exchange in PSTNthough not a loss system but a combined loss and queuing systemas a loss system for dimensioning purposes, presents a blocking probability for a network where a loss system is fed by a number of exchanges or concentrators. He provides a way of computing good approximations of the blocking probability of a tree-shaped loss network with a non-stationary arrival processsuch as mass calls as appear in televoting and hot spots of certain application services in the internet. Such situations may also prevail in a military command and control system where services are concentrated in service hubs. According to the author, his method of approximation is mathematically sound, more accurate, computationally easier and hence better than the classical solution.

Switching from blocking system to microstrip antennas, we have the next paper, "Single Layer Rectangular Microstrip Array Antenna for X-Band Applications", from S L Mallikarjun and P M Hadalgi. Their study was carried out with 4-element rectangular microrstrip array antenna (4-RMSAA), 6-RMSAA and 10-RMSAA that where fed by a modified corporate feed network to increase the broad banding of the antennas array. The proposed antennas were designed using low cost glass epoxy material. The experimental results indicate that the band width of the 10-RMSAA was improved by 31.39% covering 9.14 to 12.54 GHz frequency range. The proposed antennas show an improvement in gain with broadside radiation pattern. It can also be used for X-band short-range microwave applications.

Moving to dual band microstrip antennas, we have, Kishan Singh, N M Sameena and S N Mulgi, the authors of the next paper, "Dual Band Microstrip Antennas", presenting a novel design of square microstrip antenna for dual band operation with magnitudes 6.58% of lower and 27.53% of upper band. This is achieved by doubling the thickness of substrate of conventional square microstrip antennas. The experimental results indicate that the enhancement of bandwidth does not affect the nature of broadside radiation characteristics. Their design and fabrication were also found to be simple.

Moving on to parametric spectral estimations, we have, K Nagi Reddy, S Narayana Reddy and A S R Reddy, the authors of the last paper, "Parametric Methods of Spectral Estimation of MST Radar Data", presenting the parametric spectral estimation techniques for MST radar back scattering of signals from the atmosphere. The algorithm designed by them estimates the spectrum of a complex stationary signal using harmonic methods. The results obtained using their MUSIC Algorithm, were found to provide better method for back scattering of signals with no side lobes and sharp peaks.

-- GRK Murty
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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Telecommunications