Developing a prediction model for customer churn from electronic banking services using data mining

Background:Given the importance of customers as the most valuable assets of organizations,customer retention seems to be an essential,basic requirement for any organization.Banks are no exception to this rule.The competitive atmosphere within which electronic banking services are provided by different banks increases the necessity of customer retention.Methods:Being based on existing information technologies which allow one to collect data from organizations’databases,data mining introduces a powerful tool for the extraction of knowledge from huge amounts of data.In this research,the decision tree technique was applied to build a model incorporating this knowledge.Results:The results represent the characteristics of churned customers.Conclusions:Bank managers can identify churners in future using the results of decision tree.They should be provide some strategies for customers whose features are getting more likely to churner’s features.

Technological Readiness as Mediator to Adoption of E-Governemnt Services in Zanzibar SMEs

The aim of the paper is to explore e-government services technological readiness as a mediating factor impacting the development of Zanzibar SMEs. The ultimate objective is to provide actionable insights and recommendations that could inform future strategies and policies to enhance Zanzibar SMEs on the successful implementation and acceptance of e-government services in Zanzibar. The study involves SMEs which are Small and Medium Industries Development Agency (SMIDA), Zanzibar Association of Tourism Investors (ZATI) and Zanzibar National Chambers of Commerce (ZNCC). Quantitative research design holds significant merit for this study, whereby primary data was in this study ensures that all variables are accurately and comprehensively captured. The study involved 384 respondents. Survey questionnaire used to collect the required information. Generally, the results displayed that, while Technological Readiness does not exhibit a mediating effect between either Human Resource Capital or Financial Source Capital and E-government Services Adoption, it does play a significant mediating role in the relationships of both Government Policies and Information Communication Technology with E-government Services Adoption. This highlights the importance of considering intermediary factors like Technological Readiness when understanding the influences on E-government service adoption to Zanzibar SMEs.

Research on the evaluation of e-service quality in libraries

Based on the research of theories and practices related to quality evaluation of electronic services(e-services) from both home and abroad and through multiple rounds of surveys and analyses,this article proposed an evaluation indicator system for Chinese libraries.A survey was carried out on the e-services of Shanxi Provincial Library by using SERVQUAL model.Based on the survey data,the article evaluated and analyzed the quality of Shanxi Provincial Library's e-services by means of quadrant analysis,and put forward solutions and suggestions accordingly.

Deep learning Optical Character Recognition in PCB Dark Silk Recognition

For Automatic Optical Inspection (AOI) machines that were introduced to Printed Circuit Board market more than five years ago, illumination technique and light devices are outdated. Images captured by old AOI machines are not easy to be recognized by typical optical character recognition (OCR) algorithms, especially for dark silk. How to effectively increase silk recognition accuracy is indispensable for improving overall production efficiency in SMT plant. This paper uses fine tuned Character Region Awareness for Text Detection (CRAFT) method to build model for dark silk recognition. CRAFT model consists of a structure similar to U-net, followed by VGG based convolutional neural network. Continuous two-dimensional Gaussian distribution was used for the annotation of image segmentation. CRAFT model is good at recognizing different types of printed characters with high accuracy and transferability. Results show that with the help of CRAFT model, accuracy for OK board is 95% (error rate is 5%), and accuracy for NG board is 100% (omission rate is 0%).

Fully Connected Convolutional Neural Network in PCB Soldering Point Inspection

In Electronics Manufacturing Services (EMS) industry, Printed Circuit Board (PCB) inspection is tricky and hard, especially for soldering point inspection due to the extremely tiny size and inconsistent appearance for uneven heating in reflow soldering process. Conventional computer vision technique based on OpenCV or Halcon usually cause false positive call for originally good soldering point on PCB because OpenCV or Halcon use the pre-defined threshold in color proportion for deciding whether the specific soldering point is OK or NG (not good). However, soldering point forms are various after heating in reflow soldering process. This paper puts forward a VGG structure deep convolutional neural network, which is named SolderNet for processing soldering point after reflow heating process to effectively inspect soldering point status, reduce omission rate and error rate, and increase first pass rate. SolderNet consists of 11 hidden convolution layers and 3 densely connected layers. Accuracy reports are divided into OK point recognition and NG point recognition. For OK soldering point recognition, 92% is achieved. For NG soldering point recognition, 99% is achieved. The dataset is collected from KAGA Co. Ltd Plant in Suzhou. First pass rate at KAGA plant is increased from 25% to 80% in general.

The Use of Technology to Enhance Taxpayer Service and Improve Tax Compliance——Experience of Hong Kong, China

The Inland Revenue Department(IRD)is the authority which administers the tax law in the Hong Kong Special Administrative Region of the People’s Republic of China.This article shares the IRD’s experience in applying digitalised tax administration to enhance taxpayer services and improve tax compliance.This can be achieved through developing user-friendly digital platforms for filing and communication,the use of prepopulated tax returns,fillable PDF public forms and online systems for paying taxes,and providing accessible and easy-to-understand tax information on the Internet.