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The IUP Journal of Physics
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With the phenomenal growth in mobile and portable terrestrial wireless communication systems and due to their potential utilization in a wide variety of high data rate and multimedia services, higher frequency bands need to be allocated. New devices and components for high frequency and millimeter wave integrated front-end receivers are being developed, active and low cost phased array antennas are being designed and advanced software programs in coding, modulation, switching and networking are being developed. In addition to these, developing new and more computationally efficient propagation models is also essential. Development of reliable propagation models will help in using the rather congested frequency spectrum more efficiently, in planning more effective radio networks and in implementing cost effective solutions for a desirable and user specific communication coverage pattern. In the first article, "Choosing by Mapping of Models for Propagation Losses and Interference Parameters for Radio Networks Design", the authors, S R Meneses G, R Linares y M, M Cuevas and J López-Bonilla, have presented a new technique to radio networks design in urban and rural areas by mapping of models for the propagation losses and interference parameters. A concrete mapping of models for different kinds of zones is presented.

Langrangian systems described by couple scalar fields are gaining attention. In the second article, "Factorization Method for Three Scalar Fields and BPS Bounds", authors, J Sadeghi and A Mohammadi, have considered a class of systems of three coupled real scalar fields and obtained the solutions.

Surfaces of superconductors and superconductor-semiconductor interfaces play an important role in technological device applications. In the third article, "Electronic Structure of the Interface YBa2Cu3O7/GaAs", the authors, A E García, J Camas, S Mendoza, R Baquero-Salaquarda, L M García-Cruz and R Baquero, have studied the electronic band structure of the YBCO-GaAs interface using density functional theory with Full-potential linearized augmented plane wave method. The GaAs interface layer is found to be metallic.

The solid polymer electrolytes are of technological interest due to their possible applications in different devices such as batteries, fuel cells, electro chromic display devices/smart windows and photo-electrochemical solar cells. In the fourth article titled, "Conductivity and Ion Transport Characterization of a PEO Based Conducting Polymer Electrolyte System", authors, K Vijay Kumar, G Keerthi, G Nataraju and U V Subba Rao, have prepared solid ion conducting polymer electrolyte system by solution-cast technique and characterized by using several experimental techniques, such as IR and DSC studies, composition dependence conductivity, temperature dependence conductivity and transport number measurements. The experimental data has shown that the charge transport in these polymer electrolytes is predominantly due to ions.

In the fifth article, "The Photon and its Mass", a contemporary discussion about the photon and its mass is presented. The authors, Baiju George and P Appla Naidu, have discussed various theories like Gauge theory, special theory of relativity, Maxwell's electrodynamics, proca's theory to understand about the existence of a photon. Mass of the photon has been the central theme of the paper.

- BVVSN Prabhakara Rao
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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