k-NN based On-Line Handwritten Character recognition system

On-line handwriting recognition has been a frontier area of research for the last few decades under the purview of pattern recognition. Word processing turns to be a vexing experience even if it is with the assistance of an alphanumeric keyboard in Indian languages. A natural solution for this problem is offered through online character recognition. There is abundant literature on the handwriting recognition of western, Chinese and Japanese scripts, but there are very few related to the recognition of Indic script such as Malayalam. This paper presents an efficient Online Handwritten character Recognition System for Malayalam Characters (OHR-M) using K-NN algorithm. It would help in recognizing Malayalam text entered using pen-like devices. A novel feature extraction method, a combination of time domain features and dynamic representation of writing direction along with its curvature is used for recognizing Malayalam characters. This writer independent system gives an excellent accuracy of 98.125% with recognition time of 15-30 milliseconds

On-Line Handwritten Character Recognition using Kohonen Networks

This paper presents an efficient Online Handwritten character Recognition System for Malayalam Characters (OHR-M) using Kohonen network. It would help in recognizing Malayalam text entered using pen-like devices. It will be more natural and efficient way for users to enter text using a pen than keyboard and mouse. To identify the difference between similar characters in Malayalam a novel feature extraction method has been adopted-a combination of context bitmap and normalized (x, y) coordinates. The system reported an accuracy of 88.75% which is writer independent with a recognition time of 15-32 milliseconds

Service provider switching: a study on the switching process in retail banking

In a business environment that is characterized by intense competition, building customer loyalty has become a key area of focus for most financial institutions. The explosion of the services sector, changing customer demographics and deregulation and emergence of new technology in the financial services industry have had a critical impact on consumers’ financial services buying behaviour. The changes have forced banks to modify their service offerings to customers so as to ensure high levels of customer satisfaction and also high levels of customer retention. Banks have historically had difficulty distinguishing their products from one another because of their relative homogeneity; with increasing competition,the problem has only intensified with no coherent distinguishing theme. Rising wealth, product proliferation, regulatory changes and newer technologies are together making bank switching easier for customers. In order to remain competitive, it is important for banks to retain their customer base. The financial services sector is the foundation for any economy and plays the role of mobilization of resources and their allocation. The retail banking sector in India has emerged as one of the major drivers of the overall banking industry and has witnessed enormous growth. Switching behaviour has a negative impact on the banks’ market share and profitability as the costs of acquiring customers are much higher than the costs of retaining. When customers switch, the business loses the potential for additional profits from the customer the initial costs invested in the customer by the business get . The Objective of the thesis was to examine the relationship among triggers that customers experience, their perceptions of service quality, consumers’ commitment and behavioral intentions in the contemporary India retail banking context through the eyes of the customer. To understand customers’ perception of these aspects, data were collected from retail banking customers alone for the purpose of analysis, though the banks’ views were considered during the qualitative work carried out prior to the main study. No respondent who is an employee of a banking organization was considered for the final study to avoid the possibility of any bias that could affect the results adversely. The data for the study were collected from customers who have switched banks and from those who were non switchers. The study attempted to develop and validate a multidimensional construct of service quality for retail banking from the consumer’s perspective. A major conclusion from the empirical research was the confirmation of the multidimensional construct for perceived service quality in the banking context. Switching can be viewed as an optimization problem for customers; customers review the potential gains of switching to another service provider against the costs of leaving the service provider. As banks do not provide tangible products, their service quality is usually assessed through service provider’s relationship with customers. Thus, banks should pay attention towards their employees’ skills and knowledge; assessing customers’ needs and offering fast and efficient services.