A Banking Platform to Leverage Data Driven Marketing with Machine Learning

Payment data is one of the most valuable assets that retail banks can leverage as the major competitive advantage with respect to new entrants such as Fintech companies or giant internet companies. In marketing, the value behind data relates to the power of encoding customer preferences: the better you know your customer, the better your marketing strategy. In this paper, we present a B2B2C lead generation application based on payment transaction data within the online banking system. In this approach, the bank is an intermediary between its private customers and merchants. The bank uses its competence in Machine Learning driven marketing to build a lead generation application that helps merchants run data driven campaigns through the banking channels to reach retail customers. The bank’s retail customers trade the utility hidden in its payment transaction data for special offers and discounts offered by merchants. During the entire process banks protects the privacy of the retail customer.     

Phytochemical and In Silico ADME/Tox Analysis of Eruca sativa Extract with Antioxidant,Antibacterial and Anticancer Potential against Caco-2 and HCT-116 Colorectal Carcinoma Cell Lines

Eruca sativa Mill. (E. sativa) leaves recently grabbed the attention of scientific communities around the world due to its potent bioactivity. Therefore, the present study investigates the metabolite profiling of the ethanolic crude extract of E. sativa leaves using high resolution-liquid chromatography-mass spectrometry (HR-LC/MS), including antibacterial, antioxidant and anticancer potential against human colorectal carcinoma cell lines. In addition, computer-aided analysis was performed for determining the pharmacokinetic properties and toxicity prediction of the identified compounds. Our results show that E. sativa contains several bioactive compounds, such as vitamins, fatty acids, alkaloids, flavonoids, terpenoids and phenols. Furthermore, the antibacterial assay of E. sativa extract showed inhibitory effects of the tested pathogenic bacterial strains. Moreover, the antioxidant activity of 2,2-diphenyl-1-picrylhydrazyl (DPPH) and hydrogen peroxide (H₂O₂) were found to be IC₅₀ = 66.16 μg/mL and 76.05 μg/mL, respectively. E. sativa also showed promising anticancer activity against both the colorectal cancer cells HCT-116 (IC₅₀ = 64.91 μg/mL) and Caco-2 (IC₅₀ = 83.98 μg/mL) in a dose/time dependent manner. The phytoconstituents identified showed promising pharmacokinetics properties, representing a valuable source for drug or nutraceutical development. These investigations will lead to the further exploration as well as development of E. sativa-based nutraceutical products.     

Sizing of Irregular Particles Using a Phase Doppler System

Response of a phase Doppler system to irregularly shaped particles is examined and shown to deviate qualitatively as well as quantitatively from the spherical particles. Nevertheless, the measured phase distributions based on an ensemble of particles exhibit a high degree of order and simplicity. The experimental data and the stochastic modeling of the process have shown that the phase Doppler technique can be used successfully for in-situ sizing and velocimetry of irregular particles. In the case of irregular crystalline particles, mean size and standard deviation can be deduced without requiring any assumptions regarding the functional form of the size distribution. As opposed to other optical techniques, phase Doppler can be used, in principle, near the backscattering location, so that a single optical window would be employed for transmission of laser light and collection of the scattered signals. Furthermore, size measurements can be velocity-resolved, i.e. a size distribution can be associated with each bin of the velocity histogram.     

Modeling of Thermophysical Properties and Transport Properties of Basic Combustion Products of Organic Substances

Physics of Atomic Nuclei - Using the equation of state, on the basis of perturbation theory, the thermophysical properties of the main combustion products N2, O2, CO2, and H2 of organic substances...     

Influence of Carbon Nanotubes on Phase Composition,Thermal and Post-Heating Behavior of Cementitious Composites

This paper experimentally investigates the influence of carbon nanotubes (CNTs) on phase composition, microstructure deterioration, thermal behavior, and residual mechanical strengths of cementitious composites exposed to elevated temperatures. Cement mortars with small dosages of CNTs, 0.05% and 0.2% by weight of cement, were prepared and then heated at 25 °C, 150 °C, 200 °C, 450 °C, and 600 °C for two hours before being tested. The results show positive impact of the CNTs on the hydration process of cement mortar at room temperature and at higher temperatures up to 200 °C. Decomposition of the hydration products is obvious at 450 °C, whereas sever deterioration in the microstructure occurs at 600 °C. The nano reinforcement and bridging effect of the CNTs are obvious up to 450 °C. Thermal behavior characterization shows that CNTs incorporation enhances the thermal conductivity of the unheated and heat-treated mortar specimens. The decomposition of the hydration products needs more heat in the presence of CNTs. Finally, presence of CNTs significantly enhances the residual compressive and flexural strengths of heated mortar specimens for all studied temperatures.     

Feasibility study on reducing lead and cadmium absorption by spinach (Spinacia oleracea L.) in a contaminated soil using nanoporous activated carbon

Activated carbons (AC) have been long recognized as prominent absorbents in industries and feature numerous applications in preventing or absorbing the harmful gases and liquids and could be employed for filtration and remediation or even reutilization of chemicals. In order to investigate the capacity of AC in reducing the absorption of heavy metals (HM) including lead (Pb) and cadmium (Cd) and dual complex (Pb?×?Cd) by spinach, a factorial experiment in a completely randomized design with three replications on a pot trial was conducted. Three factors including five levels of AC 0, 5000, 10000, 15000, 20000?mg/kg soil, one concentration level of Pb 4,000?mg/kg soil and one concentration level of cadmium Cd 8?mg/kg soil were tested. The index of heavy metal concentration was calculated in leaf, stem and root and their corresponding dry weights. Results illustrated that in contaminated soils, plants with AC exhibited a superior reduction of absorption of HM vis-à-vis the plants without AC. The foremost result regarding the impact of AC on reducing the concentration of Pb and Cd was observed in 20,000 level of AC. This reveals that AC declined the soil contamination and lessened the accumulation of HM into the shoots and roots. Results suggest that the application of AC may be an eligible solution for decreasing the translocation of HM into the plants.     

Isolated singularities of polyharmonic inequalities

We study nonnegative classical solutions u of the polyharmonic inequality

     

Current and frequency modulation characteristics for continuous-wave quantum cascade lasers at 9.06 μm

We report the characteristics of current induced frequency modulation (FM) for two continuous-wave quantum cascade lasers (QCLs) at 9.06 μm. Both the frequency tuning rate and the phase shift between intensity modulation and FM are measured at different modulation frequencies from 10 Hz to 200 kHz. The frequency tuning rate of the QCLs depends on both the modulation frequency and amplitude. The tested QCL has been used to detect ambient water vapor with wavelength modulation spectroscopy for validation with a numerical model.     

High‐mobility solution‐processed zinc oxide thin films on silicon nitride

A high effective electron mobility of 33 cm² V^–1 s^–1 was achieved in solution‐processed undoped zinc oxide (ZnO) thin films. The introduction of silicon nitride (Si₃N₄) as growth substrate resulted in a mobility improvement by a factor of 2.5 with respect to the commonly used silicon oxide (SiO₂). The solution‐processed ZnO thin films grown on Si₃N₄, prepared by low‐pressure chemical vapor deposition, revealed bigger grain sizes, lower strain and better crystalline quality in comparison to the films grown on thermal SiO₂. These results show that the nucleation and growth mechanisms of solution‐processed films are substrate dependent and affect the final film structure accordingly. The substantial difference in electron mobilities suggests that, in addition to the grain morphology and crystalline structure effects, defect chemistry is a contributing factor that also depends on the particular substrate. In this respect, interface trap densities measured in high‐κ HfO₂/ZnO MOSCAPs were about ten times lower in those fabricated on Si₃N₄ substrates. (© 2014 WILEY‐VCH Verlag GmbH &Co. KGaA, Weinheim)