Modelling bank customers' behaviour using data warehouses and incorporating economic indicators

A credit risk monitoring model using Markov Chains was first prescribed by Cyert, Davidson and Thomson (1962) (the CDT model). It is used to monitor transition of a credit account from one performance state to another, as an alternative to scorecard methodologies. The propensity of such transition is called transition probability. Successive variants ofthe CDT model assumed a few outdated assumptions although proper tests had been available. Moreover no solutions were offered despite many had long suspected the dependency oftransition probability on economic conditions. In this empirical research, using real, substantial retail bank data, and adopting the Mover-Stayer notion (Frydman et al, 1985): 1. the unquestioned assumptions are proved invalid; 2. the true functional dependency of a transition probability time series on selected economic indicators is established; 3. the parameter associated to each explanatory variable is estimated using a non linear optimisation technique on the maximum logarithmic likelihood of a transition probability; 4. segments based on different transitional behaviour are identified for the given portfolio; 5. a pilot scorecard scheme is carried out to investigate membership to the segments identified in (4), given existing application and behavioural information

Coarsening model of cavity nucleation and thin film delamination from single-crystal BaTiO3 with proton implantation

The layer splitting mechanism of a proton implanted single crystal ferroelectric BaTiO3 thin film layer from its bulk BaTiO3 substrate has been investigated. The single crystal BaTiO3 thin film layer splits as the hydrogen gas diffuses and the internal cavity pressure increases. Ripening mechanism driven by the pressurized hydrogen in the implantation-induced damage zone makes coarsening of the cavities and causes the delamination of the thin layer during the annealing. A unique criterion relation of blister nucleation and evolution has been derived and a simplified debonding criterion is proposed in terms of dimensionless parameters based on the force equilibrium condition. A numerical simulation of two-bubble evolution and delamination of thin film is performed using a finite element method

Molecular Dynamics Simulation of Ga Penetration along Grain Boundaries in Al: a Dislocation Climb Mechanism

Many systems where a liquid metal is in contact with a polycrystalline solid exhibit deep liquid grooves where the grain boundary meets the solid-liquid interface. For example, liquid Ga quickly penetrates deep into grain boundaries in Al, leading to intergranular fracture under very small stresses. We report on a series of molecular dynamics simulations of liquid Ga in contact with an Al bicrystal. We identify the mechanism for liquid metal embrittlement, develop a new model for it, and show that is in excellent agreement with both simulation and experimental data

Probing the mechanism of electron capture and electron transfer dissociation using tags with variable electron affinity

Electron capture dissociation (ECD) and electron transfer dissociation (ETD) of doubly protonated electron affinity (EA)-tuned peptides were studied to further illuminate the mechanism of these processes. The model peptide FQpSEEQQQTEDELQDK, containing a phosphoserine residue, was converted to EA-tuned peptides via β-elimination and Michael addition of various thiol compounds. These include propanyl, benzyl, 4-cyanobenzyl, perfluorobenzyl, 3,5-dicyanobenzyl, 3-nitrobenzyl, and 3,5-dinitrobenzyl structural moieties, having a range of EA from −1.15 to +1.65 eV, excluding the propanyl group. Typical ECD or ETD backbone fragmentations are completely inhibited in peptides with substituent tags having EA over 1.00 eV, which are referred to as electron predators in this work. Nearly identical rates of electron capture by the dications substituted by the benzyl (EA = −1.15 eV) and 3-nitrobenzyl (EA = 1.00 eV) moieties are observed, which indicates the similarity of electron capture cross sections for the two derivatized peptides. This observation leads to the inference that electron capture kinetics are governed by the long-range electron−dication interaction and are not affected by side chain derivatives with positive EA. Once an electron is captured to high-n Rydberg states, however, through-space or through-bond electron transfer to the EA-tuning tags or low-n Rydberg states via potential curve crossing occurs in competition with transfer to the amide π* orbital. The energetics of these processes are evaluated using time-dependent density functional theory with a series of reduced model systems. The intramolecular electron transfer process is modulated by structure-dependent hydrogen bonds and is heavily affected by the presence and type of electron-withdrawing groups in the EA-tuning tag. The anion radicals formed by electron predators have high proton affinities (approximately 1400 kJ/mol for the 3-nitrobenzyl anion radical) in comparison to other basic sites in the model peptide dication, facilitating exothermic proton transfer from one of the two sites of protonation. This interrupts the normal sequence of events in ECD or ETD, leading to backbone fragmentation by forming a stable radical intermediate. The implications which these results have for previously proposed ECD and ETD mechanisms are discussed

Hazards and incident investigation at palm oil mill industry

Occupational Safety and Health Act (OSHA) is a discipline with broad scope involving many specialized fields. This research was conducted to determine the relationship between the hazards occurring and the control measures to overcome the hazards occur in the Palm Oil Mill located at Ulu Keratong, Segamat, Johor. Nowadays, the workers are lack of safety and health practice from their companies based on the statistics that have shown the number of fatality and permanent disablement cases due to the accident in the palm oil mill. Which causes the accidents and injuries happened due to management control that does not emphasized on the safe practise of workers. Information and data collection were carried out by using HIRARC Form and Preliminary Hazard Analysis (PHA) in the Palm Oil Mill RISDA which will be further discuss in the methodology part. The main objective of this study is to promote adaptable occupational environment and suggest some countermeasures to solve the potential hazard and the consequent responsibilities relevant to professional engineering practice. There were seven hazards have been identified such as crash by rotating machine, struck by heavy palm fruit and slippery floor, excessive heat, excessive pressure of tractor tire, chemical spillage and noise hazard. From the result and findings, the hazards and control measures identified are able to determine improvements in knowledge and risk perceptions among the workers and visitors towards health policies and essential interventions for hazard prevention. Effective job safety and health programs help reduce worker injuries and illness in the long term

Frequency Diversity in Mode-Division Multiplexing Systems

In the regime of strong mode coupling, the modal gains and losses and the modal group delays of a multimode fiber are known to have well-defined statistical properties. In mode-division multiplexing, mode-dependent gains and losses are known to cause fluctuations in the channel capacity, so that the capacity at finite outage probability can be substantially lower than the average capacity. Mode-dependent gains and losses, when frequency-dependent, have a coherence bandwidth that is inversely proportional to the modal group delay spread. When mode-division-multiplexed signals occupy a bandwidth far larger than the coherence bandwidth, the mode-dependent gains and losses are averaged over frequency, causing the outage capacity to approach the average capacity. The difference between the average and outage capacities is found to be inversely proportional to the square-root of a diversity order that is given approximately by the ratio of the signal bandwidth to the coherence bandwidth.Comment: 8 pages, 6 figure

The impact of blockchain and smart contracts on dispute settlement: a case for mediation.

The research is premised on two important developments, accelerating technological innovation and shifts in dispute resolution paradigms. These advancements offer an innovative framework for dispute avoidance and a more efficient, transparent process for resolving conflicts, particularly in commercial settings. To make this case, we use blockchain technology and smart contracts as technological exemplars, and mediation as an example of dispute resolution mechanism that can be positively impacted by the use of the relevant technology. The potential of these technologies to promote dispute avoidance and the emerging legal frameworks for resolving blockchain technology and smart contract disputes were also explored. We also examine how blockchain technology and smart contracts can be integrated into the mediation process, the advantages, challenges, and possible solutions

Dissecting the Power Sources of Low-Luminosity Emission-Line Galaxy Nuclei via Comparison of HST-STIS and Ground-Based Spectra

Using a sample of ~100 nearby line-emitting galaxy nuclei, we have built the currently definitive atlas of spectroscopic measurements of H_alpha and neighboring emission lines at subarcsecond scales. We employ these data in a quantitative comparison of the nebular emission in Hubble Space Telescope (HST) and ground-based apertures, which offer an order-of-magnitude difference in contrast, and provide new statistical constraints on the degree to which Transition Objects and low-ionization nuclear emission-line regions (LINERs) are powered by an accreting black hole at <10 pc. We show that while the small-aperture observations clearly resolve the nebular emission, the aperture dependence in the line ratios is generally weak, and this can be explained by gradients in the density of the line-emitting gas: the higher densities in the more nuclear regions potentially flatten the excitation gradients, suppressing the forbidden emission. The Transition Objects show a threefold increase in the incidence of broad H_alpha emission in the high-resolution data, as well as the strongest density gradients, supporting the composite model for these systems as accreting sources surrounded by star-forming activity. The narrow-line LINERs appear to be the weaker counterparts of the Type 1 LINERs, where the low accretion rates cause the disappearance of the broad-line component. The enhanced sensitivity of the HST observations reveals a 30% increase in the incidence of accretion-powered systems at z~0. A comparison of the strength of the broad-line emission detected at different epochs implies potential broad-line variability on a decade-long timescale, with at least a factor of three in amplitude.Comment: 27 pages, 13 figures, 4 tables, accepted for publication in Ap