2022 Interdisciplinary Research in Technology and Management (IRTM)最新文献

{"title":"Proposed application of Multidimensional Poverty Index (MPI) in Microfinance Industries using Machine Learning","authors":"Ramita Sengupta, Aditya Poddar","doi":"10.1109/irtm54583.2022.9791682","DOIUrl":"https://doi.org/10.1109/irtm54583.2022.9791682","url":null,"abstract":"As Microfinance operations are focused in financially under-penetrated low-income regions and have responsibilities of impact investments, they focus on the financial inclusion of the underserved. As the customers served by these organizations are part of the most vulnerable section of society, it is imperative to understand the different aspects of poverty that affect the financial health of a potential or existing debtor. United nations have recognized that eradicating poverty and other deprivations must go hand-in-hand with global strategies to improve health and education, to diminish inequality and boost economic growth. Till now, since the analysis of the creditworthiness of the customer or a group was mostly dependent on the income data and credit history, loan products were also designed depending only on these aspects. Taking account of the different social or economic aspects while screening a new business area or designing their loan products has become crucial for the Microfinance sector. The objective of this research is to predict and rate the depth of multidimensional poverty of the residents of a geographical area depending upon the deprivation faced by residents and to build a product recommendation system which can help in alleviating the deprivations faced by the customer. The dataset used was obtained from the MPI website for 2018.","PeriodicalId":426354,"journal":{"name":"2022 Interdisciplinary Research in Technology and Management (IRTM)","volume":"143 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-02-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133665505","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Infrared-Imaging Enabled Drone for the Detection of Infiltrators and Concealed Weapons","authors":"R. Hema, Gayathri Subramanian","doi":"10.1109/irtm54583.2022.9791532","DOIUrl":"https://doi.org/10.1109/irtm54583.2022.9791532","url":null,"abstract":"Drone surveillance using high-definition RGB cameras or night vision cameras has been a game changer in the field of Defense surveillance. Yet, several shortcomings are encountered in most of the existing surveillance systems due to natural changes in the ambient light which makes the analysis of digital-color images complicated and inefficient. None of the approaches to allay the said problem (viz. equipping the system with sufficient training datasets to compensate for diminution in the illumination) can ensure the detection of trespasser in dark. An autonomous drone surveillance system enabled with a high-definition thermal imaging camera and appropriate image-processing software for simulation and information retrieval has catered to the said requirement, thereby paving way for high efficiency in trespasser and concealed weapon detection.","PeriodicalId":426354,"journal":{"name":"2022 Interdisciplinary Research in Technology and Management (IRTM)","volume":"2015 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-02-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133130666","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Application of IoT and Artificial Intelligence in Road Safety","authors":"Srimantini Bhattacharya, Harsh Jha, R. P. Nanda","doi":"10.1109/irtm54583.2022.9791529","DOIUrl":"https://doi.org/10.1109/irtm54583.2022.9791529","url":null,"abstract":"This paper explores the advancement of the Internet of Things (IoT) and Machine Learning in the field of Road Safety and accident prevention with a state-of-the-art review of various techniques adopted for implementing an intelligent road Safety System. In this review, emphasis is given on the behavior of drivers, the condition of vehicles (two-wheelers, four-wheelers), health condition of roads and bridges, and theft-related issues using Radio Frequency Identification (RFID). It is seen that, with the help of IoT, the safety system can be updated on a real-time basis which can help to create a smart, intelligent, and highly efficient Road Safety system. Artificial Intelligence (AI) is applied to enhance the technology further for detecting the driver's behavior like drowsiness with the help of real-time camera feed or high-resolution images. Additionally, the role of AI in detecting the condition of roads and bridges in preventing road accidents is also discussed. Though the paper provides a good insight into the application of IoT and Machine Learning in the smart Road safety system, certain limitations are highlighted.","PeriodicalId":426354,"journal":{"name":"2022 Interdisciplinary Research in Technology and Management (IRTM)","volume":"28 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-02-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"120949940","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Impact of Digital Financial Services on the Profitability Performance of Banks in India","authors":"S. V, K. B","doi":"10.1109/irtm54583.2022.9791796","DOIUrl":"https://doi.org/10.1109/irtm54583.2022.9791796","url":null,"abstract":"This paper aims to find the impact of digital financial services on the profitability performance of commercial banks in India. Recently, the Indian banking industry has witnessed the rollout of digital and innovative banking models. The immense growth of digital financial services makes a significant impact on the performance of Indian banks. Panel data regression was adopted to find the impact of digital financial services on profitability performance. Forty-four banks and an eight-time period are considered for the study. The data suffers from both heteroscedasticity and serial correlation. Panel Corrected Standard Error (PCSE) estimation was used to overcome these problems. Four models were used to assess the bank profitability. The coefficient of digital financial services variables is found to be significant. This indicates that digital banking facilities could enhance the financial performance of banks. To ensure further utilization of digital financial services by the public, with the help of the Payment and settlement system, the RBI should focus more on providing electronic services facilities on a larger scale to the public and ensuring security and making the process more efficient cost-effective for the banks.","PeriodicalId":426354,"journal":{"name":"2022 Interdisciplinary Research in Technology and Management (IRTM)","volume":"240 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-02-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115108180","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Downside Risk Premium Based Four-Factor Asset Pricing Model: Empirical Evidence from Nifty50","authors":"Divyanshi Agrawal, A. Parikh","doi":"10.1109/irtm54583.2022.9791499","DOIUrl":"https://doi.org/10.1109/irtm54583.2022.9791499","url":null,"abstract":"Investors hunt to decide for investment to develop an effective portfolio in an optimum risk-return framework Markowitz [1]. The pioneer model introduced by sharp [2] with market risk premium as one factor that impacts overall cross-sectional returns of the assets. However, if positive, market risk premium is acceptable by investors or in exchange for their risk when investing in the market. On the other hand, it gives a loss-loss situation when it is negative. In such cases, investors take risks by investing in the market and getting returns less than normal risk-free returns. This leads to a rising question about how stock market risk behaves when the market goes overall with bull or bearish. This research paper tries to develop a model that helps understand the impact of negative and positive risk premium separately on individual stock returns. Through framing downside risk premium and upside risk premium as separate factors in exchange for the market risk premium in the Fama-French three-factor model [3]. The researcher used daily dollar-adjusted returns data from 2004 to 2019 for all 50 constitution stocks from Nifty50 as of August 2021 based on each stock's available trading dates. It clearly shows the impact of downside risk premium significantly for each 50 stocks. On the other side, the upside risk premium is not significantly impacting one of the stock Nestle. So, this four-factor clearly helps to understand stock returns better than market risk premium as one factor.","PeriodicalId":426354,"journal":{"name":"2022 Interdisciplinary Research in Technology and Management (IRTM)","volume":"2 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-02-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122365347","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Smart Lock Using IoT","authors":"S. Bhattacharya, Swarnajoy Basak, Ritwik Chakraborty, Upalabdhi Dey, Niladri Chowdhury, Roopa Hegde","doi":"10.1109/irtm54583.2022.9791563","DOIUrl":"https://doi.org/10.1109/irtm54583.2022.9791563","url":null,"abstract":"Nowadays in large apartment complexes, houses, offices, shops and also in cars, bikes, bicycles we need security to deal with problems such as theft and robbery. Therefore this paper proposes a system with a smart lock integrated with the Internet of Things (IoT) device. The security system is now steadily shifting into the smart system from the traditional lock. It works on the IoT system which makes it more robust. This system alerts the user when there are invalid attempts to open the lock and also when the lock is physically damaged. This system can be integrated with a traditional locking system where it sends the notification to the user's mobile phone along with the buzzer alert.","PeriodicalId":426354,"journal":{"name":"2022 Interdisciplinary Research in Technology and Management (IRTM)","volume":"5 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-02-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115234733","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Accessing the Effects of Employee Stress on Job Performance in Manufacturing Industry","authors":"Navneet Kaur, G. Kumari, K. M. Pandey","doi":"10.1109/irtm54583.2022.9791792","DOIUrl":"https://doi.org/10.1109/irtm54583.2022.9791792","url":null,"abstract":"This research paper's main aim was to find out the impact of work stress on job performance in the manufacturing industry i.e. Crystal Electric Company Pvt. Ltd. The investigation utilized the descriptive method. The sample size embraced was 60 through the assistance of convenience sampling techniques. Descriptive investigation factors like frequency tables mean scores, and percentages were produced, and their understandings were completely clarified and deciphered. Based on the findings of the study, there were various reasons for work stress which have a satisfactory salary, role ambiguity, work isolation, superior evaluation and appraisal system, job security, feeling motivation at the workplace, and mental impacts on employees at the organization. The investigation uncovered that stress connection with workforce conjugal status, training, and working experience was positive. In any case, the examination discovered that work stress among employees improves their work performance in a positive way (r equals to negative 0.329, sig. value equals to 0.000). This gives the sign that as representative stress increases, their work performance additionally will in general decrease as well as the other way around. From the finding, it was concluded that the degree of work stress is decreases work performance at the organization. This part finishes upon the reason that work stress to degree upgrades work performance at the organization. It was in this manner suggested that the administration of the organization should concoct a general adapting technique strategy on stress decrease zeroing in on representatives' conjugal status, schooling, and working involvement with the work environment. Additionally, the examination suggested that undertakings ought to be doled out taking into much thought the conjugal status, training, and working experience of representatives all together not to overburden them with such a lot of work and adversely influence them. In conclusion, the examination prescribed the need to take a gander at any further investigation concerning the impact of work-related weight on work execution to either affirm or invalidate the result of this examination. So, it was recommended that management of the company must come up with an overall coping strategy policy on stress reduction focusing on employee's optimum salary according to their work performance, job clarity, supportive work environment, and cordial relationship with employees at the organization.","PeriodicalId":426354,"journal":{"name":"2022 Interdisciplinary Research in Technology and Management (IRTM)","volume":"32 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-02-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121984243","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Dynamic Attack Trees Methodology","authors":"Aliyu Tanko Ali, Damas P. Gruska","doi":"10.1109/irtm54583.2022.9791783","DOIUrl":"https://doi.org/10.1109/irtm54583.2022.9791783","url":null,"abstract":"Cyber-Physical Systems (CPS) are special kinds of systems with seamless integration of different entities. They are deployed mostly in safety-critical sectors, which make them a target for a wide range of attacks. Identifying potential threats to these kinds of systems is crucial and difficult as they consist of many modules, different producers, different technologies like programming, machine learning, and sometimes different manufactures. In this paper, we proposed a way of model potential ways in which attackers may compromise such systems using attack trees. We define a set of threat environments (i.e., changes in the vulnerability landscape of the system overtime) with each consisting of different sets of vulnerabilities, and use an attack tree generation algorithm to produce a tree at each threat environment. We further apply an information flow property - the opacity, to check a special kind of attacker who can observe the systems' non-secret states.","PeriodicalId":426354,"journal":{"name":"2022 Interdisciplinary Research in Technology and Management (IRTM)","volume":"5 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-02-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130481764","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Piezoelectric energy harvesting from novel piezoelectric Tin titanate $(text{SnTiO}_{3})$ material","authors":"Swadesh Paul, Shubhankar Barman, Surajit Das, A. Datta","doi":"10.1109/irtm54583.2022.9791521","DOIUrl":"https://doi.org/10.1109/irtm54583.2022.9791521","url":null,"abstract":"Mechanical energy harvesting from novel environment friendly piezoelectric material is useful for smart electronics applications. In this work, we synthesized and report piezoelectric energy harvesting properties at different applied force and at different frequencies from rhombohedral SnTiO3 nanocrystals (40–100 nm) prepared via hydrothermal process. XRD, and HRTEM confirms phase and morphology of the SnTiO3 (STO) nanocrystals. Piezoelectric nano generators were fabricated by using different percentages of SnTiO3 nanocrystals and Poly (dimethyal Siloxane) (PDMS). A short circuit peak current $boldsymbol{sim 0.25text{nA}}$ and open circuit peak voltage $boldsymbol{sim 0.2mathrm{V}}$ at room temperature was measured from the 40 wt. % STO–PDMS composite upon periodic impact of 1N and 4Hz, indicating its' efficacy as a future vibrational energy harvester.","PeriodicalId":426354,"journal":{"name":"2022 Interdisciplinary Research in Technology and Management (IRTM)","volume":"6 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-02-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123613905","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"A Study of Customer Satisfaction Level towards Digital Banking","authors":"Kirti Lalwani, V. K. Lalbeg","doi":"10.1109/irtm54583.2022.9791724","DOIUrl":"https://doi.org/10.1109/irtm54583.2022.9791724","url":null,"abstract":"The world today is fast and forward so as the financial process with innovative technologies & advance banking products. Digital banking is a new concept in the area of E-banking, of using new innovative technologies& banking tools. Banking operations has transformed from Manual Ledgers to Advanced Ledger Posting Machines(ALPMS) to Core Banking system (CBS) during last two decades of the 20th century & during the initial Phase of 21st Century. In this world of technology banking business will be very difficult without digitization as the cashless banking is the need of present era. The study is focused to assess the customer awareness towards use of digital Banking products in India & to measure the customer satisfaction level towards the use of digital banking platform. The study found that various Digital Banking products has been used by customers with acceptable approach as well as it saves time & convenient too.","PeriodicalId":426354,"journal":{"name":"2022 Interdisciplinary Research in Technology and Management (IRTM)","volume":"33 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-02-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116034067","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}