• The Journal of Industrial Distribution & Business
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• v.12 no.12
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• pp.1-10
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• 2021

Purpose: Cyber criminals have affected various markets and the banking system has encountered various kinds of cyberattacks. The purpose of this study is to analyze cybercrime that is an emerging threat and investigate the significant contribution of financial literacy and public awareness on cybercrimes. To understand the security issues and the need for corrective steps, the techniques and strategies used by cyber fraudsters in obtaining unauthorized access and use the financial information for purpose of fraud need to be understood. Research design, data and methodology: A sample of 123 banks employees from 12 commercial banks in Malaysia was surveyed. This study differs from previous studies as it surveyed the employees' awareness, and this approach fills in the gap in existing literature. Results: The financial literacy and public awareness have positive impact on organizational performance effectiveness to combat threat of cybercrime. Some recommendations are also proposed from research findings, for banking industry and government regulations. Conclusion: The present study focuses on banking sector so its findings cannot be generalized to other sectors. Linking these topics has created a new study in combating threat of cybercrimes generally, and specifically in Malaysia. The present study enhances the understanding of customers' role to combat the impact of cybercrimes on performances of banking industry.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.11
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• pp.1-10
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• 2021

This paper compares the performance of Fama-French three-factor and five-factor models using a dataset of 20 Pakistani commercial banks for the period 2011 to 2020. We focus on an emerging economy as the findings from earlier studies on developed countries cannot be generalized in emerging markets. For empirical analysis, twelve portfolios were developed based on size, market capitalization, investment strategy, and growth. Subsequently, we constructed five Fama-French factors namely, R_M, SMB, HML, RMW, and CMA. The OLS regression technique with robust standard errors was applied to compare the predictive power of both the Fama-French models. Further, we also compared the mean-variance efficiency of the Fama-French models through the GRS test. Our empirical analysis provides three unique and interesting findings. First, both asset pricing models have similar predictive power to explain the expected portfolio returns in most cases. Second, our results from the GRS test suggest that there is no noticeable difference in the mean-variance efficiency of one asset pricing model over the other. Third, we find that all factors of both Fama-French models are statistically significant and are important for explaining the volatility of expected commercial bank returns in the context of Pakistan.

• The Journal of Asian Finance, Economics and Business
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• v.9 no.10
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• pp.251-264
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• 2022

This study explores e-banking variables that affect client satisfaction in the Saudi Arabian banking industry spanning three dimensions: reliability, security concerns, and efficiency, which were chosen as predictors of customer satisfaction in the e-banking industry. A field survey using a self-administered questionnaire as a data collection instrument was adopted to collect the required data from a convenience sample of 250 participants of Saudi banking customers. The overall fit of the hypothesized model was tested using linear regression to find the rate of the independent factors' impact on the dependent variable. The study's findings revealed that there is a statistically significant relationship between the three dimensions and customer satisfaction in Saudi e-banking, with the largest impact being that of reliability, followed by efficiency, and finally security concerns. Also, the study found there was a significant difference in reliability which was considered more important for Saudis and there was a significant difference in efficiency, which was considered more important by males. The findings of this study suggest that these three dimensions are instrumental in e-banking customer satisfaction and that banks can gain a competitive edge by providing better services in these dimensions to sustain and develop their performance in the increasingly globalized banking industry.

• Journal of the Korean Operations Research and Management Science Society
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• v.16 no.2
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• pp.51-51
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• 1991

Recently financial institutions in Korea are experiencing an unfamiliar challenge in terms of their operational risk management due to the volatility of global financial market and the incessant development of new financial products. In this paper, we present an AHP(Analytic Hierarchy Process) model to evaluate the effectiveness of commercial softwares for risk management in banking. The AHP model considers software's performance. utility, serviceability and durability as major evaluation criteria. The weight of each criterion is generated by the questionnaire survey given to practitioners in risk management in domestic commercial banks.

• The Transactions of the Korean Institute of Electrical Engineers
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• v.43 no.2
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• pp.339-345
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• 1994

A new filter-bank is proposed in order to track center frequency of narrow band signal. The two banks are connected in series-parallel. The master filter bank which is made of traditional filter bank detects the center frequency roughly. And the performance for tracking center frequency is greatly improved by the slave filter bank which is based on energy-difference estimator. Computer simulations show that it achieves a good tracking accuracy.

• Korean Management Science Review
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• v.16 no.2
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• pp.51-59
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• 1999

Recently financial institutions in Korea are experiencing an unfamiliar challenge in terms of their operational risk management due to the volatility of global financial market and the incessant development of new financial products. In this paper, we present an AHP(Analytic Hierarchy Process) model to evaluate the effectiveness of commercial softwares for risk management in banking. The AHP model considers software's performance. utility, serviceability and durability as major evaluation criteria. The weight of each criterion is generated by the questionnaire survey given to practitioners in risk management in domestic commercial banks.

• Proceedings of the IEEK Conference
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• 2000.07b
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• pp.563-566
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• 2000

Sampling rate conversion widely used in subband coding, A/D and D/A transitions etc. is an important techniques Nyquist filters and the filter banks have been used for the sampling converter. However, they need many memories and, whenever the sampling rate is changed, it is necessary to design filters. So the objective of this paper is to present a new kernel that is quick to evaluate and has a good stopband performance.

• The Journal of Asian Finance, Economics and Business
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• v.9 no.2
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• pp.437-448
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• 2022

The impact of supervisory communication apprehension (SCA) on subordinates' job performance was investigated in this study. We also examined the impact of task-related uncertainty in mediating the relationship between SCA and subordinate work performance, as well as the role of information-seeking behavior in moderating the relationship between task-related uncertainty and subordinate job performance. A sample of subordinates and their supervisors from public and private sector enterprises in Pakistan were used in the study. The concept of communication apprehension is not limited to a single organization or industry, and the conditions suggest that apprehensive supervisors are likely to exist in different organizations and industries in Pakistan, including banks, telecommunications, and development sector organizations. Company directors and leaders of human resources departments were contacted to reach out to possible respondents. SmartPLS software was used to evaluate the data using a structural equation modeling technique which is commonly used in explanatory studies (Atta et al., 2021). We found evidence to support ideas predicting the association between SCA and subordinate job performance, as well as the mediating role of task-related ambiguity in the relationship. Furthermore, the findings show that information-seeking activity has a moderating effect on the link between task-related ambiguity and subordinate job performance. This is one of the first studies to look at major mediating and moderating mechanisms in the link between SCA and subordinate job performance.

• Journal of the Korea Institute of Information and Communication Engineering
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• v.20 no.8
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• pp.1431-1437
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• 2016

In mobile healthcare device, when to measure the heart rate by using the PPG signal, its performance is reduced according to the motion artifacts that is the movement of user. This is because the frequency range of motion (0.01-10 Hz) and that of PPG signals overlap. Also, the motion artifacts cannot be rectified by general filters. To solve the problem, this paper proposes a method using filter banks and independent component analysis (ICA). To evaluate the performance of the proposed method, we were artificially applied various movements and compared heart rate errors of the moving average filter and ICA. In the experimental results, heart rate error of the proposed method showed very low than moving average filter and ICA. In this way, it is possible to measure stable heart rate if the proposed method is applied to the healthcare terminal design.

• Journal of the Institute of Convergence Signal Processing
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• v.9 no.2
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• pp.121-128
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• 2008

Accurate voice activity detection have a great impact on performance of speech applications including speech recognition, speech coding, and speech communication. In this paper, we propose methods for voice activity detection that can adapt to various car noise situations during driving. Existing voice activity detection used various method such as time energy, frequency energy, zero crossing rate, and spectral entropy that have a weak point of rapid. decline performance in noisy environments. In this paper, the approach is based on existing spectral entropy for VAD that we propose voice activity detection method using MFB(Met-frequency filter banks) spectral entropy, gradient FFT(Fast Fourier Transform) spectral entropy. and gradient MFB spectral entropy. FFT multiplied by Mel-scale is MFB and Mel-scale is non linear scale when human sound perception reflects characteristic of speech. Proposed MFB spectral entropy method clearly improve the ability to discriminate between speech and non-speech for various in noisy car environments that achieves 93.21% accuracy as a result of experiments. Compared to the spectral entropy method, the proposed voice activity detection gives an average improvement in the correct detection rate of more than 3.2%.