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Recent Advances in Computer Science and Communications - Online First
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AI Chatbots in Fintech Sector: A Study Towards Technological Convergence
Authors: Chandni Bansal, Ajay Kumar, Namrata Dogra, Gaydaa AlZohbi and Chand PrakashAvailable online: 09 October 2024More LessThe Fintech industry, particularly banks, has witnessed a profound transformation with the integration of Artificial Intelligence chatbots, redefining customer experience and engagement. As Fintech firms increasingly integrate AI chatbots into their platforms, understanding customer perceptions becomes paramount for strategic decision-making and sustained success. To unravel the complexities of this convergence, a holistic examination is needed, encompassing not only the technological aspects but also the strategic dimensions that underpin competitive advantage. In this context, the role of intellectual property, particularly patents, emerges as a critical factor shaping the innovation landscape. This research aims to comprehensively investigate customers' perceptions towards AI chatbots in the Fintech industry, with a specific focus on technological convergence. The study seeks to analyze the impact of cutting-edge AI chatbot technologies, including those protected by patents, on user attitudes and overall customer experience within the dynamic fintech landscape. This study provides a comprehensive review of 40 empirical studies on AI chatbots in the fintech industry, particularly the banking sector, featuring patented innovations using the PRISMA methodology. Study outcomes illustrate emerging themes related to consumer behavior and response to financial chatbots in terms of acceptance and adoption intention. Additionally, four key factors that influence how people perceive, anticipate, and engage with fintech chatbots, namely satisfaction, trust, anthropomorphism, and privacy are explored. In conclusion, the finance industry's effective integration and broad use of AI chatbots is dependent on the convergence of four factors: satisfaction, privacy, trust, and anthropomorphism. Current study offers a strong basis for analysing and resolving the obstacles to AI chatbot acceptance and deployment in the financial sector by addressing all these elements extensively. This exploration of technological convergence in fintech industry by analyzing customers' behavior and response to financial chatbots not only contributes to a comprehensive understanding of its intricacies but also serves as a foundation for development and deployment of user-centric fintech chatbots.
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Applying Polynomials for Developing Post Quantum Cryptography Algorithms to Secure Online Information - An Initial Hypothesis
Authors: Taniya Hasija, K. R. Ramkumar, Bhupendra Singh, Amanpreet Kaur and Sudesh Kumar MittalAvailable online: 04 October 2024More LessIn the contemporary era, a vast array of applications employs encryption techniques to ensure the safeguarding and privacy of data. Quantum computers are expected to threaten conventional security methods and two existing approaches, namely Shor's and Grover's algorithms, are expediting the process of breaking both asymmetric and symmetric key classical algorithms. The objective of this article is to explore the possibilities of creating a new polynomial based encryption algorithm that can be both classically and quantum safe. Polynomial reconstruction problem is considered as a nondeterministic polynomial time hard problem (NP hard), and the degree of the polynomials provide the usage of scalable key lengths. The primary contribution of this study is the proposal of a novel encryption and decryption technique that employs polynomials and various polynomial interpolations, specifically designed for optimal performance in the context of a block cipher. This study also explores various root convergence techniques and provides algorithmic insights, working principles and the implementation of these techniques, which can potentially be utilized in the design of a proposed block-cipher symmetric cryptography algorithm. From the implementation, comparison and analysis of Durand Kernal, Laguerre and Aberth Ehrlich methods, it is evident that Laguerre method is performing better than other root finding approaches. The present study introduces a novel approach in the field of polynomial-based cryptography algorithms within the floating-point domain, thereby offering a promising solution for enhancing the security of future communication systems.
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A Policy Configured Resource Management Scheme for Ahns Using LR-KMA and WD-BMO
Available online: 03 October 2024More LessIntroductionA critical technique that provides quality service for users by solving the conflicts between severe spectrum scarcity and the explosive growth of traffic is Cognitive Radio Ad Hoc Networks (CRAHNs). Nevertheless, a critical challenge is the coexistence of primary and secondary users for reasonable resource allocation to satisfy system performance. Many approaches have been developed to allocate resources efficiently; however, they possess some existing limitations, such as abnormal traffic networks, user collisions, and high data transmission error rates.
MethodSo, to overcome such limitations, this paper proposes an efficient policy-configured reinforcement learning-based Ad Hoc Network (AHN) model. The system begins with modeling the Cognitive Radio (CR) network in which the nodes are initialized and clustered using the Link Reliability K-Means clustering Algorithm (LR-KMA) method to derive the optimal policy configuration for the network. Then, to sense the available spectrum and divide it into several bands, spectrum sensing using Coherent Based Detection (CBD) and signal source prediction using the Parzen-Rosenblatt Window-based Restricted Boltzmann Machine (PRW-RBM) were performed.
ResultNext, the suitable bands are selected in the learning model using the Weibull Distribution-based Blue Monkey Optimization (WD-BMO) technique for the resource allocation process. The experimental outcomes were ultimately analyzed to evaluate the proposed resource allocation model's performance in CRAHNs. The LR-KMA algorithm showed 1.5% higher clustering efficiency than traditional methods, while PRW-RBM achieved 1.07% higher classification accuracy.
ConclusionThe optimal resource allocation strategy, WD-BMO, led to lower Normalized Objective Values (NOV) compared to existing methods.
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One Pseudo-satellite/GNSS Combined Indoor and Outdoor Fusion Positioning Method Based on Carrier Phase Measurement
Authors: Xiaobo Zhao, Ronghua Hao and Xuefei BaiAvailable online: 25 September 2024More LessBackgroundIn order to realize seamless indoor and outdoor positioning, the positioning results of multiple positioning methods are taken into consideration, and a seamless indoor and outdoor positioning method that ignores the differences in indoor and outdoor environments is required now.
ObjectiveThe implementation of Pseudo satellite/GNSS combined indoor and outdoor fusion positioning for seamless indoor and outdoor environment positioning.
MethodsAn adaptive federated filter is needed for this environment, which can dynamically adjust the information allocation parameters and measurement noise of the sub-filters in the federated filters based on positioning data. It adopts multi-sensor fusion filter to design a seamless indoor and outdoor positioning method. Different positioning data is fused through federated filtering, ultimately seamless indoor and outdoor positioning is realized.
ResultsThis algorithm achieves a fixed ambiguity pseudo satellite/GNSS accuracy of better than 0.15 meters in low-density buildings where there are more than 7 GNSS satellites. When there are fewer than 4 GNSS satellites and the positions is severely obstructed, GNSS alone cannot realize the position, but with the support of pseudo satellites, the accuracy of position can be better than 0.3m. Even without GNSS and only 4 pseudo satellites, the accuracy of position can still be better than 0.5 m.
ConclusionThe relevant experimental results indicate that the method proposed can be used for practical applications of indoor and outdoor fusion positioning.
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Flood Mapping and Damage Analysis Using Multispectral Sentinel-2 Satellite Imagery and Machine Learning Techniques
Authors: Rashmi Saini, Shivam Rawat, Suraj Singh and Prabhakar SemwalAvailable online: 15 July 2024More LessBackgroundFloods are among the deadliest natural calamities, devastating ecosystems and human lives worldwide. In India, Bihar is a state grappling with economic hardships and faces severe agricultural devastation due to recurring floods, destroying crops and natural resources, which significantly impacts local farmers. This research addresses the critical need to deeply understand the flood dynamics of selected study areas.
ObjectiveThis research presents a case study that focuses on leveraging Remote Sensing tools and Machine Learning techniques for comprehensive flood mapping and damage analysis in Gopalganj District, Bihar, India, using remote sensing data. More specifically, this research presents three major objectives: (i) Flood damage mapping and change analysis before and after the flood using the Sentinel-2 satellite dataset, (ii) Evaluation of the impact of integrating spectral indices on the accuracy of classification, (iii) Identification of most robust predictor spectral indices for the classification.
MethodsThe Sentinel-2 satellite dataset encompasses 13 bands with resolutions of 10m, 20m, and 60m. Here, four spectral bands (NIR, Red, Green, and Blue) with the finest resolution of 10m have been selected for this study. These bands are integrated with four spectral indices, namely Normalized Difference Water Index (NDWI), MNDWI (Modified NDWI), Normalized Difference Vegetation Index (NDVI), and Soil Adjusted Vegetation Index (SAVI). Two ML classifiers, namely Support Vector Machine (SVM) and Random Forest (RF) have been employed for pixel-based supervised classification.
ResultsResults have shown that RF outperformed and worked well in extracting water bodies and flood-damaged areas effectively. The results demonstrated that RF obtained (Overall Accuracy (OA)= 89.54% and kappa value (ka) = 0.872) and SVM reported (OA= 87.69%, ka= 0.849) for pre-crisis data, whereas, for post-crisis, RF reported (OA=91.54%, ka = 0.897), SVM reported (OA= 89.77%, ka= 0.875).
ConclusionIt was reported that the integration of spectral indices improved the OA by +3.41% and +2.86% using RF and SVM, respectively. The results of this study demonstrated that the waterbody area increased from 12.72 to 88.23 km2, as shown by the RF classifier. The variable importance computation results indicated that MNDWI is the most important predictor variable, followed by NDWI. This study recommends the use of these two predictor variables for flood mapping.
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