An improved negative selection algorithm based on the hybridization of cuckoo search and differential evolution for anomaly detection

The biological immune system (BIS) is characterized by networks of cells, tissues, and organs communicating and working in synchronization. It also has the ability to learn, recognize, and remember, thus providing the solid foundation for the development of Artificial Immune System (AIS). Since the emergence of AIS, it has proved itself as an area of computational intelligence. Real-Valued Negative Selection Algorithm with Variable-Sized Detectors (V-Detectors) is an offspring of AIS and demonstrated its potentials in the field of anomaly detection. The V-Detectors algorithm depends greatly on the random detectors generated in monitoring the status of a system. These randomly generated detectors suffer from not been able to adequately cover the non-self space, which diminishes the detection performance of the V-Detectors algorithm. This research therefore proposed CSDE-V-Detectors which entail the use of the hybridization of Cuckoo Search (CS) and Differential Evolution (DE) in optimizing the random detectors of the V-Detectors. The DE is integrated with CS at the population initialization by distributing the population linearly. This linear distribution gives the population a unique, stable, and progressive distribution process. Thus, each individual detector is characteristically different from the other detectors. CSDE capabilities of global search, and use of L´evy flight facilitates the effectiveness of the detector set in the search space. In comparison with V-Detectors, cuckoo search, differential evolution, support vector machine, artificial neural network, na¨ıve bayes, and k-NN, experimental results demonstrates that CSDE-V-Detectors outperforms other algorithms with an average detection rate of 95:30% on all the datasets. This signifies that CSDE-V-Detectors can efficiently attain highest detection rates and lowest false alarm rates for anomaly detection. Thus, the optimization of the randomly detectors of V-Detectors algorithm with CSDE is proficient and suitable for anomaly detection tasks

Knowledge-based banking: The bankers’ experience on OKS (Online Knowledge Sharing)

This paper outlines the results from a web-based survey of first time users of a bankers online knowledge sharing. Palmer´s web metrics were used to investigate the effects of key website characteristics on intention to return, satisfaction and self-efficacy. Partial least squares estimation was used to estimate both the measurement and structural parameters in our structural equation model. Statistical significance of the main relationships provided strong empirical support for author conceptual framework

An Empirical Investigation of the Level of Users’ Acceptance of E-Banking in Nigeria

Nigeria was depicted to be the fastest growing telecommunications nation in African. Presently, all members of the Nigeria banking industry have engaged the use of Information and Communication Technology (ICT) as a platform for effective and efficient means of conducting financial transactions. This paper focuses on determining the level of users’ acceptance of the electronic banking services and investigating the factors that determine users’ behavioral intentions to use electronic banking systems in Nigeria. The survey instrument employed involved design and administration of a total of 500 survey questionnaires within the Lagos metropolis and its environs. An extended Technology Acceptance Model (TAM) was employed as a conceptual framework to investigate the factors that influence users’ acceptance and intention to use electronic banking. To test the model, data was collected from 292 customers from various commercial banks in Nigeria. The model measured the impact of Perceived Credibility (PC), Computer Self-Efficacy (CSE), Perceived Usefulness (PU), and Perceived Ease of Use (PEOU) on customer attitude and customer attitude on customer adaptation. The result of this research shows that ATM still remains the most widely used form e-Banking service. Banks’ customers who are active users of e-Banking system use it because it is convenient, easy to use, time saving and appropriate for their transaction needs. Also the network security and the security of the system in terms of privacy are the major concerns of the users and constitute hindrance to intending users

Adoption of internet banking theory of the diffusion of innovation

The innovation diffusion theory (IDT) could be considered as one of the earliest theories that attempts to explore factors that influence an individual to adopt an innovation or a new technology. The theory suggests five key beliefs that influence the adoption of any innovation: relative advantage, complexity, compatibility, trialability, and observability. The purpose of this study was to test part of IDT’s attributes empirically. We used Internet banking as the innovation or the targeted technology. We surveyed 1164 business and MBA students in four public universities in Malaysia. Structural equation modelling was used to analyse the data. The results showed that relative advantage, compatibility, and trialability have a significant effect on att itude. Consequently, attitude significantly aff ects the intention to use Internet banking. Based on the findings, implications to practice are offere

Factors Influencing People’s Intention to Adopt E-Banking: An Empirical Study of Consumers in Shandong Province, China

E-Banking is growing at an unprecedented rate and has become a truly worldwide phenomenon, offering convenience, flexibility and interactivity for those that can, and know how to access it. This is clearly evidence in China. However, despite such growth and popularity, some users still have reservations about using Information and communication technology (ICT) in their daily banking activities, perhaps due to deep routed cultural factors that cause consumers to question the efficacy of such changes. Through the application of a technology acceptance framework, and empirical evidence from 52 E-Banking user questionnaires and four key market segment interviews, the research explores the factors that influence consumers’ intention to adopt E-Banking in Shandong Province of China. The findings highlight that perceived usefulness and perceived credibility are significant factors which have a positive influence on consumers’ intention to utilise E-Banking, while perceived ease of use and perceived cost are less significant. Unpacking the reasons for resistance to the use of E-Banking highlighted that “difficult to operate”, “unnecessary to use it” and “worry about the security” are key drivers and therefore challenges for the service providers. Based on the results, recommendations are drawn for banks, involving focusing on the significant factors, avoiding weaknesses and optimising strengths of E-Banking and ultimately developing more accurate market positioning strategies to align and manage consumer expectations and maximise potential acceptance

The Study of People's Acceptance Towards Online Banking

The online banking was recognized in Malaysia in 2001 toward development of technology and allows people to manage their account and transactions using internet. However, this system not fully utilize regarding to the number of people visit the physical bank is still high. This also proved by the statistic of online banking subscribers using the online banking in Malaysia is not drastically increase as the statistic of internet user since 2006-2009. Theoretically, the increment for both statistics should be equal. Moreover, the criminal cases happen all over the world includes Malaysia and create the negative perception among people towards online banking. The others internal factors that could be considered is the motivation, understanding and awareness among the people to the online banking. All these reasons encourage the researcher to investigate what exactly the main factor attracts people to use online banking. However, the researcher is limiting the study by focus on the internal factors affect the number of people using the online banking, Malaysia. The study focused on intrinsic and extrinsic motivation represented by the perceived usefulness (PE), perceived ease of use (PEOU) and perceived enjoyment (PE) as the independent variables in this research. Whilst, the dependent variables signified by the people's acceptance to the online banking. The objectives of this study are examine the factors that influence people using the online banking based on demography, investigate the main factor that motivates people deal with online banking particularly in banking environment, examine the other factors which influence people choosing online banking and lastly to investigate the relationship between PU, PEOU and PE towards online banking. A survey was conducted by distributing questionnaires to a randomly selected sample of 150 people located within the Klang Valley, in Malaysia. However, only 120 questionnaires were returned and available to analyze. The location of the survey was selected in view of its advancement, development and implementation of IT applications as compared to other locations in Malaysia. By connecting to the internet only the user can apply the online banking. To achieve the research objectives, researcher used SPSS Version 16.0 to analyze the data from questionnaires. The value of Cronbach's alpha is 0.852 explained the reliability of the study. This study found that, the main factor attract people to use online banking is because of PU, where the analysis proved that PU is significant to the usage and PEOU. Logically, the people use the service because it very useful and they will patronize with it if it is ease to use. The results also revealed that most of working people patronize and familiar with online banking since most of them familiar with internet and have problem to visit the bank. Finally, the researcher hope that this study are valuable for future research, people and bank management in providing new insights about the online banking

The State of e-Banking Implementation in Nigeria: A Post-Consolidation Review

The most widely used e-Banking instrument in �igeria is e-Payment, particularly the automatic teller machine (ATM) card. However, with the adoption of e-Banking by all the banks in �igeria, the volume of cash in circulation has continued to increase pre-and-post bank recapitalization/consolidation exercise. Furthermore, some of the 25 banks that survived the exercise were found lately to have depleted their capital base and have lost credibility before the consumers, e-Banking implementation notwithstanding. Therefore, in this paper, we review the state of e-Banking implementation in �igeria and evaluate the influence of trust on the adoption of e-Payment using an extended technology acceptance model (TAM). Similarly, we investigate organizational reputation, perceived risk and perceived trust in the management of banks as a factor for enhancing customer loyalty. The findings in this work reveal that perceived ease of use and perceived usefulness are not only antecedent to ebanking acceptance, they are also factors to retain customers to the use of e-banking system such as organizational reputation, perceived risk and trust

Quality improvement of manuka honey through the application of high pressure processing

The quality of honey is known to be compromised when it goes through thermal processing due to its negative impact on the unstable and thermolabile honey components which originated from the nectar and bees themselves. This present work is undertaken to access the use of an emerging food preservation technique known as “High Pressure Processing” for treating honey, as an alternative to the conventional thermal processing. In this thesis, honey quality has been addressed by measuring the effects of high pressure processing parameters (pressure, time and temperature) on nutritional properties of honey, namely total phenolic content and antioxidant activity. Honey samples, contained in small pouches, were subjected to different pressures (200-600 MPa) at close to ambient temperatures (25-33°C) for different holding times (10 to 30 min). Thermal processing (49- 70°C) was also carried out for comparison purpose. Results demonstrated that high pressure processing operated at 600 MPa for 10 min has capability to increase significantly the total phenolic content and antioxidant activity by 47% and 30%, respectively. Besides, the result showed that high pressure processing can maintain the natural colour of honey which relates directly to consumer perception, while retaining its shear-thinning behaviour and viscosity with no significant changes (p > 0.05). High pressure processing can also control hydroxymethylfurfural (HMF) concentration in honey during process within the standard limit, 16.93 to 18.76 mg/kg (which is below than the maximum allowed limit of 40 mg/kg). This work also reveals that high pressure processing can enhance antibacterial activity of Manuka honey significantly. It shows an increase in the percentage inhibition of Staphylococcus epidermidis from 64.15 ± 5.86% to 84.34 ± 7.62% when honey was subjected to 600 MPa. Storage studies for one year at room temperature (25°C) demonstrated that high pressure-treated samples have a good retention to the physicochemical, nutritional and rheological properties of honey throughout storage, which confirms that the positive effect of high pressure on honey is not a temporary effect. Whereas, an insight study on the safety part showed that the Saccharomyces cerevisiae cell varied linearly with ° Brix, indicating that food compressibility has a significant role in the microbial inactivation