Search results for: small business
Commenced in January 2007
Frequency: Monthly
Edition: International
Paper Count: 2483

Search results for: small business

1373 Corporate Social Responsibility and Creating Shared Value: Case of Latvia

Authors: Inga Lapiņa, Indra Borkus, Olga Stariņeca

Abstract:

Creating shared value (CSV) is a newly introduced concept whose essence and expressions, relationship to Corporate social responsibility (CSR) and implications for the business and society is now at the core of management and social responsibility debates of the scientific world. The aim of the paper is to gain clearer understanding of the CSR and CSV concepts, their implementation and role in sustainable development of organizations in Latvia. In this paper the authors discuss and compare the two conceptsand, based on the results of Sustainability Index (SI) initiative and analysis of publically available company information, evaluate their implementation in Latvia and draw conclusions on the development trends and potential of these approaches in Latvian market.

Keywords: Corporate Social Responsibility, Creating Shared Value, Sustainability Index.

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1372 Ads on Social Issues: A Tool for Improving Critical Thinking Skills in a Foreign Language Classroom

Authors: Fonseca Jully, Chia Maribel, Rodríguez Ilba

Abstract:

This paper is a qualitative research report. A group of students form a public university in a small town in Colombia participated in this study which aimed at describing to what extend the use of social ads, published on the internet, helped to develop their critical thinking skills. Students’ productions, field notes, video recordings and direct observation were the instruments and techniques used by the researches in order to gather the data which was analyzed under the principles of grounded theory and triangulation. The implementation of social ads into the classroom evidenced a noticeable improvement in students’ ability to interpret and argue social issues, as well as, their self-improvement in oral and written production in English, as a foreign language.

Keywords: Ads, critical argumentation, critical thinking, social issues.

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1371 A Comparison between Heterogeneous and Homogeneous Gas Flow Model in Slurry Bubble Column Reactor for Direct Synthesis of DME

Authors: Sadegh Papari, Mohammad Kazemeini, Moslem Fattahi

Abstract:

In the present study, a heterogeneous and homogeneous gas flow dispersion model for simulation and optimisation of a large-scale catalytic slurry reactor for the direct synthesis of dimethyl ether (DME) from syngas and CO2, using a churn-turbulent regime was developed. In the heterogeneous gas flow model the gas phase was distributed into two bubble phases: small and large, however in the homogeneous one, the gas phase was distributed into only one large bubble phase. The results indicated that the heterogeneous gas flow model was in more agreement with experimental pilot plant data than the homogeneous one.

Keywords: Modelling, Slurry bubble column, Dimethyl ether synthesis, Homogeneous gas flow, Heterogeneous gas flow

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1370 Error Analysis of English Inflection among Thai University Students

Authors: Suwaree Yordchim, Toby J. Gibbs

Abstract:

The linguistic competence of Thai university students majoring in Business English was examined in the context of knowledge of English language inflection, and also various linguistic elements. Errors analysis was applied to the results of the testing. Levels of errors in inflection, tense and linguistic elements were shown to be significantly high for all noun, verb and adjective inflections. Findings suggest that students do not gain linguistic competence in their use of English language inflection, because of interlanguage interference. Implications for curriculum reform and treatment of errors in the classroom are discussed.

Keywords: Interlanguage, error analysis, inflection, second language acquisition, Thai students.

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1369 De-noising Infrared Image Using OWA Based Filter

Authors: Ruchika, Munish Vashisht, S. Qamar

Abstract:

Detection of small ship is crucial task in many automatic surveillance systems which are employed for security of maritime boundaries of a country. To address this problem, image de-noising is technique to identify the target ship in between many other ships in the sea. Image de-noising technique needs to extract the ship’s image from sea background for the analysis as the ship’s image may submerge in the background and flooding waves. In this paper, a noise filter is presented that is based on fuzzy linguistic ‘most’ quantifier. Ordered weighted averaging (OWA) function is used to remove salt-pepper noise of ship’s image. Results obtained are in line with the results available by other well-known median filters and OWA based approach shows better performance.

Keywords: Linguistic quantifier, impulse noise, OWA filter, median filter.

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1368 Ten Limit Cycles in a Quintic Lyapunov System

Authors: Li Feng

Abstract:

In this paper, center conditions and bifurcation of limit cycles at the nilpotent critical point in a class of quintic polynomial differential system are investigated.With the help of computer algebra system MATHEMATICA, the first 10 quasi Lyapunov constants are deduced. As a result, sufficient and necessary conditions in order to have a center are obtained. The fact that there exist 10 small amplitude limit cycles created from the three order nilpotent critical point is also proved. Henceforth we give a lower bound of cyclicity of three-order nilpotent critical point for quintic Lyapunov systems. At last, we give an system which could bifurcate 10 limit circles.

Keywords: Three-order nilpotent critical point, center-focus problem, bifurcation of limit cycles, Quasi-Lyapunov constant.

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1367 Real-Time Measurement Approach for Tracking the ΔV10 Estimate Value of DC EAF

Authors: Jin-Lung Guan, Jyh-Cherng Gu, Chun-Wei Huang, Hsin-Hung Chang

Abstract:

This investigation develops a revisable method for estimating the estimate value of equivalent 10 Hz voltage flicker (DV10) of a DC Electric Arc Furnace (EAF). This study also discusses three 161kV DC EAFs by field measurement, with those results indicating that the estimated DV10 value is significantly smaller than the survey value. The key point is that the conventional means of estimating DV10 is inappropriate. There is a main cause as the assumed Qmax is too small.

Although DC EAF is regularly operated in a constant MVA mode, the reactive power variation in the Main Transformer (MT) is more significant than that in the Furnace Transformer (FT). A substantial difference exists between estimated maximum reactive power fluctuation (DQmax) and the survey value from actual DC EAF operations. However, this study proposes a revisable method that can obtain a more accurate DV10 estimate than the conventional method.

Keywords: Voltage Flicker, dc EAF, Estimate Value, DV10.

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1366 Empowered Gossipmonger, Disempowered Woman: Navigating the Duplicity of Discursive Power in Alice Gerstenberg’s He Said, She Said

Authors: Y. Ruan

Abstract:

This paper investigates the dual functionality of gossip in shaping the action of the comic character, Mrs. Cyrus Packard, in the play He Said, She Said by the Chicago playwright Alice Gerstenberg. During the American Little Theater Movement in the early 20th century, when small experimental centers of drama were established, Alice Gerstenberg challenged gender inequality through the use of social satire in her play. Incorporating textual evidence from the play, this study demonstrates that Mrs. Packard is both empowered and disempowered by her gossiping habit in terms of her self-perception and her social relationships within the play. It argues for the dramatic and satirical representation of female identity through the pragmatics of discourse analysis. These perspectives are evident in combining linguistics and literature.

Keywords: Discursive power, female identity, feminism in little theater movement, gossip.

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1365 Fabrication and Characterization of Sawdust Composite Biodegradable Film

Authors: M.Z. Norashikin, M.Z. Ibrahim

Abstract:

This report shows the performance of composite biodegradable film from chitosan, starch and sawdust fiber. The main objectives of this research are to fabricate and characterize composite biodegradable film in terms of morphology and physical properties. The film was prepared by casting method. Sawdust fiber was used as reinforcing agent and starch as polymer matrix in the casting solution. The morphology of the film was characterized using atomic force microscope (AFM). The result showed that the film has smooth structure. Chemical composition of the film was investigated using Fourier transform infrared (FTIR) where the result revealed present of starch in the film. The thermal properties were characterized using thermal gravimetric analyzer (TGA) and differential scanning calorimetric (DSC) where the results showed that the film has small difference in melting and degradation temperature.

Keywords: Sawdust, composite, film, biodegradable.

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1364 Feature Subset Selection approach based on Maximizing Margin of Support Vector Classifier

Authors: Khin May Win, Nan Sai Moon Kham

Abstract:

Identification of cancer genes that might anticipate the clinical behaviors from different types of cancer disease is challenging due to the huge number of genes and small number of patients samples. The new method is being proposed based on supervised learning of classification like support vector machines (SVMs).A new solution is described by the introduction of the Maximized Margin (MM) in the subset criterion, which permits to get near the least generalization error rate. In class prediction problem, gene selection is essential to improve the accuracy and to identify genes for cancer disease. The performance of the new method was evaluated with real-world data experiment. It can give the better accuracy for classification.

Keywords: Microarray data, feature selection, recursive featureelimination, support vector machines.

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1363 Low Complexity Regular LDPC codes for Magnetic Storage Devices

Authors: Gabofetswe Malema, Michael Liebelt

Abstract:

LDPC codes could be used in magnetic storage devices because of their better decoding performance compared to other error correction codes. However, their hardware implementation results in large and complex decoders. This one of the main obstacles the decoders to be incorporated in magnetic storage devices. We construct small high girth and rate 2 columnweight codes from cage graphs. Though these codes have low performance compared to higher column weight codes, they are easier to implement. The ease of implementation makes them more suitable for applications such as magnetic recording. Cages are the smallest known regular distance graphs, which give us the smallest known column-weight 2 codes given the size, girth and rate of the code.

Keywords: Structured LDPC codes, cage graphs.

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1362 Momentum and Heat Transfer in the Flow of a Viscoelastic Fluid Past a Porous Flat Plate Subject to Suction or Blowing

Authors: Motahar Reza, Anadi Sankar Gupta

Abstract:

An analysis is made of the flow of an incompressible viscoelastic fluid (of small memory) over a porous plate subject to suction or blowing. It is found that velocity at a point increases with increase in the elasticity in the fluid. It is also shown that wall shear stress depends only on suction and is also independent of the material of fluids. No steady solution for velocity distribution exists when there is blowing at the plate. Temperature distribution in the boundary layer is determined and it is found that temperature at a point decreases with increase in the elasticity in the fluid.

Keywords: Viscoelastic fluid, Flow past a porous plate, Heat transfer

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1361 Owner/Managers’ External Financing Used and Preference towards Islamic Banking

Authors: Khalid Hassan Abdesamed, Kalsom Abd Wahab

Abstract:

Economic development and growth are significantly linked to the consistent and sustainable sector of small and medium enterprises (SMEs). Banks are the frontrunners in financing and advising SMEs. The main objective of the study is to assess the tendency of SMEs to use the Islamic bank. Model was developed using quantitative method with a hypothetical-deductive testing approach. Model (N = 364) used primary data on the tendency of SMEs to use Islamic banks gathered from questionnaire. It is found by Mann-Whitney test that the tendency to use Islamic bank varies between those firms which consider formal financing with the ones relying on informal financing with the latter tends more to use Islamic bank. This study can serve academic researchers, policy makers, and developing countries as a model of SMEs’ desirability to Islamic banking.

Keywords: Formal financing, informal financing, Islamic bank, SMEs.

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1360 Financial Problems Met in the Tourism Sector in Turkey: A Survey on the Tourism Businesses

Authors: Raif Parlakkaya, Huseyin Cetin, Halil Akmese, Mesut Murat Adabali

Abstract:

As the economies of other countries in the Mediterranean Basin, the tourism sector in our country has a high denominator in economics. Tourism businesses, which are building blocks of tourism, sector faces with a variety of problems during their activities. These problems faced make business efficiency and competition conditions of the businesses difficult. Most of the problems faced by the tourism businesses and the information of consumers about consumers’ rights were used in this study, which is conducted to determine the problems of tourism businesses in the Central Anatolia Region. It is aimed to contribute the awareness of staff and executives working at tourism sector and to attract attention of businesses active concurrently with tourism sector and legislators.

Keywords: Financial Problems, The problems of Tourism businesses, Tourism Businesses, Tourism Sector in Turkey.

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1359 Supplier Sift – A Strategic Need of Modern Entrepreneurship

Authors: Rizwan Moeen, Riaz Ahmad, Tanweer Ul Islam, Shahid Ikramullah, Muhammad Umer

Abstract:

Supplier appraisal fosters energy in Supply Chain Management and helps in best optimization of viable business partners for a company. Many Decision Making techniques have already been proposed by researchers for supplier-s appraisal. However, Analytic Hierarchy Process (AHP) is assumed to be the most structured technique to attain near-best solution of the problem. This paper focuses at implementation of AHP in the procurement processes. It also suggests that on what factors a Public Sector Enterprises must focus while dealing with their suppliers and what should the suppliers do to synchronize their activities with the strategic objectives of Organization. It also highlights the weak areas in supplier appraisal process with a view to suggest viable recommendations.

Keywords: AHP, MCDM techniques, Supply Chain Management (SCM), Supplier appraisal.

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1358 Inclusive Education of Roma Students from Socially Disadvantaged Background as a Determinant of Their Social Inclusion in the Slovak Republic

Authors: L. Horňák

Abstract:

The aim of the paper is to analyze a longstanding problem in Slovakia – the effective education of Roma students coming from socially disadvantaged backgrounds. Although it is a relatively small country, there are over 630 communities in the Slovak Republic. The efficiency of the projects was verified by interviews with participants; questionnaires; and direct observations. Evaluation reports which summarized and evaluated the outcomes of the projects only confirmed their success. Slovakia realizes that appropriate social inclusion of marginalized citizens coming from the Roma ethnic group can only be achieved through education based on equality of all students and acceptance of diversity.

Keywords: Inclusive education, marginalized communities, Roma student, equality in education, socially disadvantaged backgrounds, social inclusion.

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1357 On the Joint Optimization of Performance and Power Consumption in Data Centers

Authors: Samee Ullah Khan, C. Ardil

Abstract:

We model the process of a data center as a multi- objective problem of mapping independent tasks onto a set of data center machines that simultaneously minimizes the energy consump¬tion and response time (makespan) subject to the constraints of deadlines and architectural requirements. A simple technique based on multi-objective goal programming is proposed that guarantees Pareto optimal solution with excellence in convergence process. The proposed technique also is compared with other traditional approach. The simulation results show that the proposed technique achieves superior performance compared to the min-min heuristics, and com¬petitive performance relative to the optimal solution implemented in UNDO for small-scale problems.

Keywords: Energy-efficient computing, distributed systems, multi-objective optimization.

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1356 Catalytic Activity of Aluminum Impregnated Catalysts for the Degradation of Waste Polystyrene

Authors: J. Shah, M. Rasul Jan, Adnan

Abstract:

The aluminum impregnated catalysts of Al-alumina (Al-Al2O3), Al-montmorillonite (Al-Mmn) and Al-activated charcoal (Al-AC) of various percent loadings were prepared by wet impregnation method and characterized by SEM, XRD and N2 adsorption/desorption (BET). The catalytic properties were investigated in the degradation of waste polystyrene (WPS). The results of catalytic degradation of Al metal, 20% Al-Al2O3, 5% Al-Mmn and 20% Al-AC were compared with each other for optimum conditions. Among the catalyst used 20% Al-Al2O3 was found the most effective catalyst. The BET surface area of 20% Al-Al2O3 determined was 70.2 m2/g. The SEM data revealed the catalyst with porous structure throughout the frame work with small nanosized crystallites. The yield of liquid products with 20% Al-Al2O3 (91.53 ± 2.27 wt%) was the same as compared to Al metal (91.20 ± 0.35 wt%) but the selectivity of hydrocarbons and yield of styrene monomer (56.32 wt%) was higher with 20% Al-Al2O3 catalyst.

 

Keywords: Impregnation, catalytic degradation, waste polystyrene, styrene.

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1355 Temperature Field Study of Brake Disc in a Belt Conveyor Brake

Authors: Hou Youfu, Wang Daoming, Meng Qingrui

Abstract:

To reveal the temperature field distribution of disc brake in downward belt conveyor, mathematical models of heat transfer for disc brake were established combined with heat transfer theory. Then, the simulation process was stated in detail and the temperature field of disc brake under conditions of dynamic speed and dynamic braking torque was numerically simulated by using ANSYS software. Finally the distribution and variation laws of temperature field in the braking process were analyzed. Results indicate that the maximum surface temperature occurs at a time before the brake end and there exist large temperature gradients in both radial and axial directions, while it is relatively small in the circumferential direction.

Keywords: Downward belt conveyor, Disc brake, Temperature field, Numerical simulation.

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1354 Comparison between Solar Simulation and Infrared Technique for Thermal Balance Test

Authors: Tao Tao, Wang Jing, Cao Zhisong, Liu Yi, Qie Dianfu

Abstract:

The precision of heat flux simulation influences the temperature field and test aberration for TB test and also reflects the test level for spacecraft development. This paper describes TB tests for a small satellite using solar simulator, electric heaters, calrod heaters to evaluate the difference of the three methods. Under the same boundary condition, calrod heaters cases were about 6oC higher than solar simulator cases and electric heaters cases for non-external-heat-flux cases (extreme low temperature cases). While calrod heaters cases and electric heaters cases were 5~7oC and 2~3oC lower than solar simulator cases respectively for high temperature cases. The results show that the solar simulator is better than calrod heaters for its better collimation, non-homogeneity and stability.

Keywords: solar simulation, infrared simulation, TB test, TMM

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1353 Service Identification Approach to SOA Development

Authors: Nafise Fareghzadeh

Abstract:

Service identification is one of the main activities in the modeling of a service-oriented solution, and therefore errors made during identification can flow down through detailed design and implementation activities that may necessitate multiple iterations, especially in building composite applications. Different strategies exist for how to identify candidate services that each of them has its own benefits and trade offs. The approach presented in this paper proposes a selective identification of services approach, based on in depth business process analysis coupled with use cases and existing assets analysis and goal service modeling. This article clearly emphasizes the key activities need for the analysis and service identification to build a optimized service oriented architecture. In contrast to other approaches this article mentions some best practices and steps, wherever appropriate, to point out the vagueness involved in service identification.

Keywords: SOA, service identification, service taxonomy, service layer.

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1352 Italian Central Guarantee Fund: An Analysis of the Guaranteed SMEs’ Default Risk

Authors: M. C. Arcuri, L. Gai, F. Ielasi

Abstract:

Italian Central Guarantee Fund (CGF) has the purpose to facilitate Small and Medium-sized Enterprises (SMEs)’ access to credit. The aim of the paper is to study the evaluation method adopted by the CGF with regard to SMEs requiring its intervention. This is even more important in the light of the recent CGF reform. We analyse an initial sample of more than 500.000 guarantees from 2012 to 2018. We distinguish between a counter-guarantee delivered to a mutual guarantee institution and a guarantee directly delivered to a bank. We investigate the impact of variables related to the operations and the SMEs on Altman Z’’-score and the score consistent with CGF methodology. We verify that the type of intervention affects the scores and the initial condition changes with the new assessment criterions. 

Keywords: Banks, default risk, Italian Guarantee Fund, mutual guarantee institutions.

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1351 Alternative Robust Estimators for the Shape Parameters of the Burr XII Distribution

Authors: F. Z. Doğru, O. Arslan

Abstract:

In general, classical methods such as maximum likelihood (ML) and least squares (LS) estimation methods are used to estimate the shape parameters of the Burr XII distribution. However, these estimators are very sensitive to the outliers. To overcome this problem we propose alternative robust estimators based on the M-estimation method for the shape parameters of the Burr XII distribution. We provide a small simulation study and a real data example to illustrate the performance of the proposed estimators over the ML and the LS estimators. The simulation results show that the proposed robust estimators generally outperform the classical estimators in terms of bias and root mean square errors when there are outliers in data.

Keywords: Burr XII distribution, robust estimator, M-estimator, maximum likelihood, least squares.

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1350 A Fast Adaptive Content-based Retrieval System of Satellite Images Database using Relevance Feedback

Authors: Hanan Mahmoud Ezzat Mahmoud, Alaa Abd El Fatah Hefnawy

Abstract:

In this paper, we present a system for content-based retrieval of large database of classified satellite images, based on user's relevance feedback (RF).Through our proposed system, we divide each satellite image scene into small subimages, which stored in the database. The modified radial basis functions neural network has important role in clustering the subimages of database according to the Euclidean distance between the query feature vector and the other subimages feature vectors. The advantage of using RF technique in such queries is demonstrated by analyzing the database retrieval results.

Keywords: content-based image retrieval, large database of image, RBF neural net, relevance feedback

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1349 Quality and Quantity in the Strategic Network of Higher Education Institutions

Authors: Juha Kettunen

Abstract:

The study analyzes the quality and the size of the strategic network of higher education institutions and the concept of fitness for purpose in quality assurance. It also analyses the transaction costs of networking that have consequences on the number of members in the network. Empirical evidence is presented from the Consortium on Applied Research and Professional Education, which is a European strategic network of six higher education institutions. The results of the study support the argument that the number of members in the strategic network should be relatively small to provide high-quality results. The practical importance is that networking has been able to promote international research and development projects. The results of this study are important for those who want to design and improve international networks in higher education.

Keywords: Higher education, network, research and development, strategic management.

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1348 Palynomorphological Data of Pollen Grains of Lamium garganicum

Authors: Nikoleta Kallajxhiu, Gëzim Kapidani, Peçi Naqellari, Blerina Pupuleku

Abstract:

This study shows palynomorphological description of pollen grains of Lamium garganicum, species of the family Labiatae. Fresh material of this plant is taken in Mount Llogara, in Albania. By comparison made between palinomorphological characteristics of pollen grains of Lamium garganicum with those of Lamium maculatum and Lamium purpureum, showed that granules have similarities in the number of furrows. The pollen grains of Lamium garganicum were larger in length and width than those of Lamium maculatum and almost equal with those of Lamium purpureum. Furrows are longer than those of pollen grains in Lamium maculatum and shorter than those of Lamium purpureum. The layer of exine of Lamium garganicum was thinner than that of two others. The sculpture of exine was fine reticulate, where reticulas were uniform whereas in Lamium purpureum was verrucate, with small verrucae; in Lamium maculatum was reticulate.

Keywords: Lamium garganicum, pollen grains, Llogara, Albania.

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1347 Fractal - Wavelet Based Techniques for Improving the Artificial Neural Network Models

Authors: Reza Bazargan Lari, Mohammad H. Fattahi

Abstract:

Natural resources management including water resources requires reliable estimations of time variant environmental parameters. Small improvements in the estimation of environmental parameters would result in grate effects on managing decisions. Noise reduction using wavelet techniques is an effective approach for preprocessing of practical data sets. Predictability enhancement of the river flow time series are assessed using fractal approaches before and after applying wavelet based preprocessing. Time series correlation and persistency, the minimum sufficient length for training the predicting model and the maximum valid length of predictions were also investigated through a fractal assessment.

Keywords: Wavelet, de-noising, predictability, time series fractal analysis, valid length, ANN.

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1346 A System of Automatic Speech Recognition based on the Technique of Temporal Retiming

Authors: Samir Abdelhamid, Noureddine Bouguechal

Abstract:

We report in this paper the procedure of a system of automatic speech recognition based on techniques of the dynamic programming. The technique of temporal retiming is a technique used to synchronize between two forms to compare. We will see how this technique is adapted to the field of the automatic speech recognition. We will expose, in a first place, the theory of the function of retiming which is used to compare and to adjust an unknown form with a whole of forms of reference constituting the vocabulary of the application. Then we will give, in the second place, the various algorithms necessary to their implementation on machine. The algorithms which we will present were tested on part of the corpus of words in Arab language Arabdic-10 [4] and gave whole satisfaction. These algorithms are effective insofar as we apply them to the small ones or average vocabularies.

Keywords: Continuous speech recognition, temporal retiming, phonetic decoding, algorithms, vocal signal, dynamic programming.

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1345 Molecular Electronic Devices based on Carotenoid Derivatives

Authors: Vicente F. P. Aleixo, Augusto C. F. Saraiva, Jordan Del Nero

Abstract:

The production of devices in nanoscale with specific molecular rectifying function is one of the most significant goals in state-of-art technology. In this work we show by ab initio quantum mechanics calculations coupled with non-equilibrium Green function, the design of an organic two-terminal device. These molecular structures have molecular source and drain with several bridge length (from five up to 11 double bonds). Our results are consistent with significant features as a molecular rectifier and can be raised up as: (a) it can be used as bi-directional symmetrical rectifier; (b) two devices integrated in one (FET with one operational region, and Thyristor thiristor); (c) Inherent stability due small intrinsic capacitance under forward/reverse bias. We utilize a scheme for the transport mechanism based on previous properties of ¤Ç bonds type that can be successfully utilized to construct organic nanodevices.

Keywords: ab initio, Carotenoid, Charge Transfer, Nanodevice

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1344 Outsourcing Opportunities for Internet Banking Solutions

Authors: Ondruska Marek, Matustik Ondrej

Abstract:

The main goal of the article is to present new model of application architecture of banking IT solution providing the Internet Banking services that is particularly outsourced. At first, we propose business rationale and a SWOT analysis to explain the reasons for the model in the article. The most important factor for our model is nowadays- big boom around smart phones and tablet devices. As next, we focus on IT architecture viewpoint where we design application, integration and security model. Finally, we propose a generic governance model that serves as a basis for the specialized governance model. The specialized instance of governance model is designed to ensure that the development and the maintenance of different parts of the IT solution are well governed in time.

Keywords: governance model, front-end application, Internet Banking, smart phones

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