scholarly journals Digital Signature Verification System to Enhance Customer Services in the Banking Industry

2019 ◽  
Vol 8 (06) ◽  
pp. 24686-24692 ◽  
Author(s):  
Asogwa Tochukwu Chijindu ◽  
Ugwu Edith Angela ◽  
Aniekwe Steven
Keyword(s):  
Machine Learning ◽  
Financial Institutions ◽  
Digital Signature ◽  
Banking Industry ◽  
Training Image ◽  
Customer Relationship ◽  
Signature Verification ◽  
Verification System ◽  
Customer Services ◽  
And Training

Recently in most banks (especially in Africa), there exist various cases of banking staff denying services to customer due to signature differences. This has resulted to a lot of misunderstandings, insults, quarrels, and even losses to most financial institutions. This work presents digital signature verification system to enhance customer services in the banking industry, with the aim of improving the staff customer relationship within the banking domain. This will be developed using image acquisition tool, image processing tools and machine learning (clustering technique). The system will be implemented using mathlab as the software development too. The accuracy of 98% was recorded as the system was validated using a prepared testing and training image containing various real and forged signatures.

scholarly journals CRM Competitive Strategy in Financial Institutions

2021 ◽  
Vol 6 (3) ◽  
pp. 111-117
Author(s):  
Alireza Miremadi ◽  
Omidreza Ghanadiof
Keyword(s):  
Financial Institutions ◽  
Physical Environment ◽  
Brand Management ◽  
Banking Industry ◽  
Services Quality ◽  
Customer Relationship ◽  
Environment Quality ◽  
Banking Service ◽  
External Customer

This research highlighted the most essential factors that have influenced CRM from the customers’ side. To execute this research, the researcher has reviewed literature, design a questionnaire, and distributed 430 questionnaires among the respondents in main different cities. Furthermore, the results were analyzed through SPSS and SEM Software. This research’s comprehensive CRM models try to evaluate the association of Physical Environment Quality, Products & Services, Quality of Virtual Environment, and Quality of Electronic Banking Service as an indicator of External Customer Relationship (ECR). Moreover, this study has tried to measure the influence of Trust, Satisfaction, Commitment, and Loyalty in CRM and emphasizes the fact that CRM, ECRM, and Brand management are vital concepts systems that could enhance an organization’s revenue and increase the volume of valuable customers for the banking industry.

scholarly journals The impact of digitalization and technology on customers satisfaction in financial institutions

2021 ◽  
Vol 1 (2) ◽  
Author(s):  
Nada Mallah Boustani ◽  
Pia Maria Ibrahim
Keyword(s):  
Consumer Behavior ◽  
Financial Institutions ◽  
Financial Services ◽  
Commercial Banks ◽  
Banking Industry ◽  
Research Work ◽  
Quantitative Methodology ◽  
Human Contact ◽  
Customer Services ◽  
The Impact

This article briefly discusses the topic of digitization in the banking industry, consumer behavior when purchasing financial services and the importance of digitization for the delivery of customer services. In this research work the authors focused on the theories of consumer behavior, digitization as a financial innovation in order to answer the following problem: Does digitization satisfy the customers of financial institutions and would it replace one day the employees in their work and the services rendered? In order to collect and analyze the data, a questionnaire was sent to the clients of several Lebanese commercial banks, a quantitative methodology is used to process and analyze the responses through the IBM SPSS version 24 software. Finally, from the results, the researchers can conclude that customers are encouraged to use digitization especially in times of crisis or when there is no access to financial institutions, as is currently the case in lockdowns due to the pandemic such as Covid-19 but still prefer human contact in ordinary moments for greater interaction with the customer advisor.

scholarly journals Preventing Internal Fraud in Microlending Business Processes with Machine Learning Models: Confirmatory Factor Analysis (CFA) and Extreme Gradient Boosting (XGBoost)

2021 ◽  
Vol 8 (1) ◽  
pp. 34-37
Author(s):  
Heri Supriyadi ◽  
Dominicus Savio Priyarsono ◽  
Noer Azam Achsani ◽  
Trias Andati
Keyword(s):  
Machine Learning ◽  
Factor Analysis ◽  
Confirmatory Factor Analysis ◽  
Financial Institutions ◽  
Business Processes ◽  
Banking Industry ◽  
Research Result ◽  
Gradient Boosting ◽  
Extreme Gradient Boosting ◽  
Confirmatory Factor

Internal fraud (occupational fraud) in the microcredit business has caused significant losses for the banking industry and financial institutions. The unique microcredit business process and the amount of loans provided were relatively small for each customer. The more extensive the credit portfolio in a bank /financial institution, it took many marketing personnel/microcredit analysts. Internal fraud was one type of operational risk that banks/financial institutions often face that focused on microcredit services. The most common types of fraud were Corruption and Asset Abuse (ACFE), such as Tempilan credit (loan partly used by the debtor), Topengan credit (misused loan), and Fictitious Credit. Machine learning that was run automatically was used to predict internal fraud in microcredit business processes. This study conducts the use of analysis with CFA (Confirmatory Factor Analysis) method to ascertain which component in the model of Social Identity and Triangle-Fraud most dominantly affects a person to commit fraud in the process of microloan services. This study also applies Extreme Gradient Boosting (XGBoost) model to predict the possibility of fraud events. The level of possible fraud events will be manifested in the form of "Risk-Scoring.". This research result is expected to provide input to the banking industry/financial institutions that serve microcredit to make efforts and make fraud prevention strategies more effective.

PERSEPSI PETANI TENTANG KEBIJAKAN PEMERINTAH DAERAH DALAM UPAYA PENGEMBANGAN AGRIBISNIS SAYURAN

2006 ◽  
Vol 2 (1) ◽  
Author(s):  
Awaludin Sofwanto ◽  
Basita Ginting Sugihen ◽  
Djoko Susanto
Keyword(s):  
Financial Institutions ◽  
Agricultural Education ◽  
Development Program ◽  
Farm Management ◽  
Government Policies ◽  
Regional Government ◽  
On Farm ◽  
And Training ◽  
Area Development ◽  
Farmer’S Perception

The regional government policies on vegetables agribusiness development is carried out through agropolitan area development program. The aims of this study are : (1) To get informations on perception of vegetables farmer’s towards the regional government policies in the efforts of vegetables agribusiness development, (2) To get informations on the vegetables farmer’s efforts to increase vegetables agribusiness through agropolitan area development program, and (3) To analyze the correlation of farmer’s perception towards the regional government policies in the efforts of vegetables agribusiness development with the farmer’s efforts to increase vegetables agribusiness. The method of this study is using descriptive correlation. Some important results of this study are : (1) The vegetables farmer’s perception towards the regional government policies in the efforts of vegetables agribusiness development is high, (2) Vegetables farmer’s effort to increase vegetables agribusiness is high, and (3) There is significant correlation between vegetables farmer’s perception and the efforts of the vegetables farmer’s to increase vegetables agribusiness, such as : partnership with the entrepreneurs, on-farm management, and marketing management. The supporting sub-system merit such as : the micro financial institutions, agricultural education and training, agricultural extention, faciliting of regional governments to provide market places at main market in Jakarta should be increased.

The Influence of Template Ageing on a Dynamic Signature Verification System

2014 ◽  
Vol 24 ◽  
pp. 47-52
Author(s):  
Joanna Putz-Leszczynska
Keyword(s):  
Potential Risk ◽  
Signature Verification ◽  
Verification System ◽  
Verification Systems ◽  
Dynamic Signature

This paper addresses template ageing in automatic signature verification systems. Handwritten signatures are a behavioral biometric sensitive to the passage of time. The experiments in this paper utilized a database that contains signature realizations captured in three sessions. The last session was captured seven years after the first one. The results presented in this paper show a potential risk of using an automatic handwriting verification system without including template ageing Purchase Article for $10 

scholarly journals How Do Machines Learn? Artificial Intelligence as a New Era in Medicine

2021 ◽  
Vol 11 (1) ◽  
pp. 32
Author(s):  
Oliwia Koteluk ◽  
Adrian Wartecki ◽  
Sylwia Mazurek ◽  
Iga Kołodziejczak ◽  
Andrzej Mackiewicz
Keyword(s):  
Artificial Intelligence ◽  
Machine Learning ◽  
Health Care ◽  
Medical Data ◽  
General Process ◽  
New Era ◽  
Automated Evaluation ◽  
Machine Learning Applications ◽  
And Training ◽  
Current Standards

With an increased number of medical data generated every day, there is a strong need for reliable, automated evaluation tools. With high hopes and expectations, machine learning has the potential to revolutionize many fields of medicine, helping to make faster and more correct decisions and improving current standards of treatment. Today, machines can analyze, learn, communicate, and understand processed data and are used in health care increasingly. This review explains different models and the general process of machine learning and training the algorithms. Furthermore, it summarizes the most useful machine learning applications and tools in different branches of medicine and health care (radiology, pathology, pharmacology, infectious diseases, personalized decision making, and many others). The review also addresses the futuristic prospects and threats of applying artificial intelligence as an advanced, automated medicine tool.

scholarly journals Blockchain Disrupting Fintech and the Banking System

Proceedings ◽  
2021 ◽  
Vol 74 (1) ◽  
pp. 24
Author(s):  
Eduard Alexandru Stoica ◽  
Daria Maria Sitea
Keyword(s):  
Artificial Intelligence ◽  
Machine Learning ◽  
Big Data ◽  
Financial Institutions ◽  
New World ◽  
Great Part ◽  
Banking System ◽  
Daily Activities ◽  
Blockchain Technology ◽  
Almost All

Nowadays society is profoundly changed by technology, velocity and productivity. While individuals are not yet prepared for holographic connection with banks or financial institutions, other innovative technologies have been adopted. Lately, a new world has been launched, personalized and adapted to reality. It has emerged and started to govern almost all daily activities due to the five key elements that are foundations of the technology: machine to machine (M2M), internet of things (IoT), big data, machine learning and artificial intelligence (AI). Competitive innovations are now on the market, helping with the connection between investors and borrowers—notably crowdfunding and peer-to-peer lending. Blockchain technology is now enjoying great popularity. Thus, a great part of the focus of this research paper is on Elrond. The outcomes highlight the relevance of technology in digital finance.

Sign in / Sign up

Export Citation Format

Share Document