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The IUP Journal of Science and Technology
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Silicon Carbide (SiC), a wide band gap semiconductor, is gaining acceptability in electronic devices, particularly in high temperature and harsh environment applications where conventional materials such as silicon and Gallium Arsenide cease to provide sustainability. The performance enhancements offered by the next generation of SiC high power devices will see an enormous growth in SiC power device markets in the next few years. For this growth to occur, it is imperative that substrate and epitaxial material quality increases to meet the needs of the targeted applications. In the paper titled, "Wet Thermal Oxidation of Epitaxial 4H-SiC Substrate: An Experimental Process for Device Fabrication", Sanjeev Kumar Gupta, Ameer Azam and Jamil Akhtar, report the optimization of an experimental technique for the growth of SiO2 on epitaxial 4H-SiC substrate. The reaction mechanisms and the growth dynamics have been quantitatively studied by analyzing the statistical plot with different oxidation time.

Analog signal processing using current-mode circuits makes use of electric current signals. This has a number of advantages over the conventional voltage mode circuits which utilize electric voltages. Current-mode approach to signal processing has often claimed to provide one or more of the following advantages: higher frequency range of operation, lower power consumption, higher slew rates, improved linearity, and better accuracy. The current-mode circuits require less number of active and passive components for the realization of filter functions, compared to voltage-mode circuits. Further, the addition of filter responses in the current mode circuits require no additional hardware and is therefore economical. The current mode analog signal processing is also popular due to its suitability for Integarated Circuit (IC) fabrication techniques such as Complementary Metal Oxide Semiconductor (CMOS). The paper "A Novel Design of CMOS DO-CCII for Use in Current-Mode Applications", by Hassan J Motlak, Syed A Imam and S Naseem Ahmad, proposes a new second generation Current Conveyor (CMOS CCII) based on the resistive compensation technique. P-spice simulations for MIETEC 0.5 mm CMOS technology show that the current mode and voltage mode bandwidths are 2.3 GHz and 3.3 GHz respectively, with power consumption of 2 mW. This result is consistent with many earlier reports which suggest that resistive compensation technique is a very simple and powerful technique used to improve the bandwidth of CMOS DO-CCII without extra power consumption.

Segmentation refers to the process of partitioning a digital image into multiple regions (sets of pixels). The goal of segmentation is to simplify and/or change the representation of an image into something that is more meaningful and easier to analyze. Image segmentation is typically used to locate objects and boundaries (lines, curves, etc.) in images. The result of image segmentation is a set of regions that collectively cover the entire image, or a set of contours extracted from the image. Each of the pixels in a region is similar with respect to some characteristic or computed property, such as color, intensity, or texture. Adjacent regions are significantly different with respect to the same characteristic. The survey paper, "Role of Metaheuristics Optimization Approach in Image Segmentation Techniques", by Tilottama Goswami, emphasizes the recent use and increasing growth of the metaheuristics approach based on natural computing inspired by natural and biological systems for solving the image segmentation specific to various domain specific applications. This paper works towards bridging the gap with regard to drawbacks of the state-of-the-art solution of various segmentation techniques and the available metaheuristic techniques and technologies like particle swarm optimization, ant colony optimization and genetic algorithms.

In today's increasingly electronic society and rapid advances of electronic commerce on the Internet, plastic money has replaced paper money. The use of credit cards for purchases has become convenient and necessary. However, a growing number of credit card transactions provide more opportunities for credit card fraud. Quick and efficient fraud detection systems go a long way in reducing the losses due to credit card fraud and act as deterents. Since only one financial transaction in a few thousands is fraudulent, no prediction success less than 99.9% is acceptable. In their paper titled, "Credit Card Fraud Detection Using Artificial Neural Networks with a Rule-Based Component", Ogwueleka Francisca Nonyelum and Inyiama Hyacinth Chibueze, have reported how the advanced data mining techniques and neural network algorithm can be combined successfully to obtain a high fraud coverage combined with a low false alarm rate. The authors have developed a detection system that uses a four-stage model in the algorithm to reduce the error in fraud detection. A performance analysis of the system developed performed comparatively better than the two commercially available products.

The generation of multiple beams using antenna array is required in a number of communication systems like mobile and cellular communications. A multiple beam forming network controls the amplitude and phase of the beam at each antenna element. Using bootlace lens as a microwave lens for multiple beam formation is well known for its design simplicity. In their paper, "Design of Bootlace Lens Beam Forming Network of Three Input Ports", G S Tomar, Ravi Pratap Singh Kushwah and P K Singhal report the design specifications, fabrication and testing of equal height circular bootlace lens with tapered line section. The lens fabricated is reported to involve less design complexities and covers an angular area from +28o to -30o.

The field of antenna engineering is central to all wireless technologies and plays a vital role in the successful deployment of network systems. Some of the requirements imposed on an antenna are as follows: it should be relatively cheap and easy to manufacture; should be light in weight and compact, with a low profile but robust body; and should be environment-friendly. The microstrip patch antenna fulfills these requirements, although nonrelenting efforts are still on to further miniaturize the antenna. IUP has in recent years published a number of important results on microstrip anntena by a research team from Gulburga University, Karnataka, India. The paper titled, "A Comparative Study of Compact Stacked Rectangular Microstrip Antennas Using a Pair of T-shaped Slots", is another contribution by the team, Ravi M Yadahalli, Vani R M and P V Hunagund, where the effect of embedding a pair of T-shaped slots in the lower and upper patches of stacked rectangular microstrip antenna is studied. Simulation techniques were used to obtain their effect on the bandwidth. After verifying the results experimentally, the authors conclude that the T-shaped slots in the lower patch result in greater compactness of the antenna. The microstrip antenna with slots embedded in both the patches, however, show larger bandwidth.

-- Elizabeth Zacharias
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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