Monitoring and improving Greek banking services using Bayesian Networks: An analysis of mystery shopping data

Mystery shopping is a well known marketing technique used by companies and marketing analysts to measure quality of service, and gather information about products and services. In this article, we analyse data from mystery shopping surveys via Bayesian Networks in order to examine and evaluate the quality of service offered by the loan departments of Greek Banks. We use mystery shopping visits to collect information about loan products and services and, by this way, evaluate the customer satisfaction and plan improvement strategies that will assist banks to reach their internal standards. Bayesian Networks not only provide a pictorial representation of the dependence structure between the characteristics of interest but also allow to evaluate, interpret and understand the effects of possible improvement strategies.     

Optimization of dc SQUID voltmeter and magnetometer circuits

We calculate the signal-to-noise ratio in a dc SQUID system as a function of source impedance, taking into account the effects of current and voltage noise sources in the SQUID. The optimization of both tuned and untuned voltmeters and magnetometers is discussed and typical sensitivities are predicted using calculated noise spectra. The calculations are based on an ideal symmetric dc SQUID with % MathType!MTEF!2!1!+-% feaafeart1ev1aaatCvAUfeBSjuyZL2yd9gzLbvyNv2CaerbuLwBLn% hiov2DGi1BTfMBaeXatLxBI9gBaerbd9wDYLwzYbItLDharqqtubsr% 4rNCHbGeaGqiVu0Je9sqqrpepC0xbbL8F4baFfea0dXde9vqpa0lb9% cq0dXdb9IqFHe9FjuP0-iq0dXdbba9pe0lb9hs0dXda91qaq-xfr-x% fj-hmeGabaqaciGacaGaaeqabaWaaeaaeaaakeaacqaHYoGycqGH9a% qpcaaIYaacbaGaa8htaiaa-LeadaWgaaWcbaacbiGaa4hmaaqabaGc% caGGVaGaeuOPdy0aaSbaaSqaaiaa+bdaaeqaaOGaeyypa0JaaGymaa% aa!3D23!\[\beta = 2LI_0 /\Phi _0 = 1\] and moderate noise rounding % MathType!MTEF!2!1!+-% feaafeart1ev1aaatCvAUfeBSjuyZL2yd9gzLbvyNv2CaerbuLwBLn% hiov2DGi1BTfMBaeXatLxBI9gBaerbd9wDYLwzYbItLDharqqtubsr% 4rNCHbGeaGqiVu0Je9sqqrpepC0xbbL8F4baFfea0dXde9vqpa0lb9% cq0dXdb9IqFHe9FjuP0-iq0dXdbba9pe0lb9hs0dXda91qaq-xfr-x% fj-hmeGabaqaciGacaGaaeqabaWaaeaaeaaakeaaiiGacqWFOaakcq% WFtoWrcqWF9aqpcqWFYaGmcqaHapaCcaWGRbWaaSbaaSqaaiaadkea% aeqaaGqaaOGaa4hvaiaac+cacaGFjbWaaSbaaSqaaerbbjxAHXgaiu% GacaqFWaaabeaakiab-z6agnaaBaaaleaacaqGGaacbiGaaWhmaaqa% baGccqGH9aqpcaaIWaGaaiOlaiaaicdacaaI1aGaaiykaaaa!471A!\[(\Gamma = 2\pi k_B T/I_0 \Phi _{{\rm{ }}0} = 0.05)\], where ₀ is the flux quantum, T is the temperature, L is the SQUID inductance, and I ₀ is the critical current of each junction. The optimum noise temperatures of tuned and untuned voltmeters are found to be 2.8(L/R)T and 8(L/R)T (1 + 1.5² + 0.7⁴)^1/2/² respectively, where /2 is the signal frequency, assumed to be much less than the Josephson frequency, and is the coupling coefficient between the SQUID and its input coil. It is found that tuned and untuned magnetometers can be characterized by optimum effective signal energies given by (16k _B TLE/² R)[1 + (1 + 1.5² + 0.7²)^1/2 + 0.75²] and 2k_B T _iR_iB/² L _p respectively, where B is the bandwidth, R _i is the resistance representing the losses in the tuned circuit at temperature T _i and L _p is the inductance of the pickup coil.This work was supported by the Division of Materials Sciences, Office of Basic Energy Sciences, U.S. Department of Energy, and by the U.S. Office of Naval Research.Guggenheim Fellow.     

Attacking the Pollard Generator

Let p be a prime and let c be an integer modulo p. The Pollard generator is a sequence (u_n) of pseudorandom numbers defined by the relation u_n+1equivu_n ²+c mod p. It is shown that if c and 9/14 of the most significant bits of two consecutive values u_n,u_n+1 of the Pollard generator are given, one can recover in polynomial time the initial value u₀ with a probabilistic algorithm. This result is an improvement of a theorem in a recent paper which requires that 2/3 of the most significant bits be known     

Influence of Implicit Integration Scheme on Prediction of Shear Band Formation

Implicit integration schemes for elastoplastic constitutive equations have been developed in recent years as an alternative to explicit schemes. The consistent tangent constitutive matrix Dcon that results from implicit schemes makes the global stiffness matrix consistent with the implicit integration procedure and differs from the traditional continuum tangent constitutive matrix Dep that results from explicit schemes. Onset of strain localization and shear banding has been traditionally predicted using the continuum tangent constitutive matrix. It is shown that different criteria for onset of shear-band formation are obtained depending on whether Dcon or Dep is used. It is shown that shear band prediction using Dcon is step-size dependent, and that the use of Dcon influences the predicted onset of strain localization in frictional materials. An analytical equation for prediction of the onset of shear-band formation using Dcon for the Mohr–Coulomb model is developed, and a numerical example is presented.     

The Value of Temptation

There is an implicit assumption in electronic commerce that induces the buyers to believe that their deals will be handled appropriately. However, after a seller has already committed to a buyer, he may be tempted by several requests though he will not be able to supply them all. We analyze markets in which a finite set of automated buyers interacts repeatedly with a finite set of automated sellers. These sellers can satisfy one buyer at a time, and they can be tempted to break a commitment they already have. We have found the perfect equilibria that exist in markets with a finite horizon, and with an unrestricted horizon. A significant result stemming from our study reveals that sellers are almost always tempted to breach their commitments. However, we also show that if markets' designers implement an external mechanism that restricts the automated buyers actions, then sellers will keep their commitments.     

Morphological contrast index based on the Weber's law

In this article, a morphological contrast index based on the Weber's law is proposed to quantify the contrast in a processed image. This measure involves the contours of the image along with its background. The proposal made here is applied to detect the image with higher contrast, and also identify the enhanced image most similar to the original. Moreover, the contrast index is compared with other four indexes reported in the current literature. © 2012 Wiley Periodicals, Inc. Int J Imaging Syst Technol, 22, 137–144, 2012     

La transition secondaire postsecondaire abordée sous l'angle de l'harmonisation des manières d'utiliser le symbolisme chez les enseignants

Nos observations au secondaire et au collégial et les travaux menés sur la transition secondaire postsecondaire en mathématiques ont permis de documenter un ensemble de ruptures dans le passage d'un ordre à l'autre, soulignant l'importance de s'attarder à l'articulation entre ces deux ordres. C'est afin de mieux comprendre ces articulations possibles qu'une recherche collaborative a été menée avec des enseignants des deux ordres. L'analyse, puisant ses fondements en ethnométhodologie, fait apparaître l'utilisation du symbolisme comme un thème central de cette articulation interordres, et permet de retracer une trajectoire d'harmonisation qui se développe durant les rencontres en lien avec cette utilisation.     

On human–machine relations

Cognition, Technology & Work - This paper presents an approach to human–machine interactions based on the concept of teamwork and the psychological theory of object relations. We envision...     

Selective extraction,structural characterisation and antifungal activity assessment of napins from an industrial rapeseed meal

This article reports an extraction–purification of napins from an industrial rapeseed meal and the assessment of their antimicrobial activity against Fusarium langsethiae. The best extraction conditions are observed at pH 2, 12% (w/w) of rapeseed meal after 15 min of extraction in water at room temperature. Under these conditions the extraction is highly selective, allowing a simple purification process (ammonium sulfate precipitation followed by desalting size exclusion chromatography) to get purified napins. These napins possessed significant anti-Fusarium activity (IC₅₀ = 70 μM) and a compact secondary structure rich in α-helix, which may explain this bioactivity.