Reviewerly/exHarmony huggingface dataset:
Customer Authentication in Mobile Banking-MLOps Practices and AI-Driven Biometric Authentication Systems

The intersection of customer demands, security, and innovative services in the diverse mobile banking space calls for continuous adaptation by financial institutions. Small challenges such as on-demand customization and scalability are addressed through merging technologies, which is important for smaller institutions undergoing IT modernization. Despite the slow pace of ML adoption in banking, those leveraging ML experience increased their success in this competitive landscape. This article looks at the role of MLOps in overcoming challenges posed by evolving data volumes and complexities in deploying and developing ML models within financial institutions. As online banking authentication holds an important role in securing financial transactions, a historical overview of authentication methods, from biometrics to tokens, creates a chance to delve into the transformative potential of AI-driven biometric authentication. With the increase in mobile banking fraud, the need to safeguard sensitive customer data is met with radical technology. The article examines the varied authentication methods employed in online banking applications and depicts the potential of biometrics, majorly behavioral biometrics, to improve security and user experience. The rise of online mobile banking systems introduces both convenience and security concerns, thus prompting a closer look at the adoption of biometrics to mitigate fraud risks and improve the seamless authentication process throughout the user session. Customers increasingly demand quick and easy mobile payments, so biometrics has become a key fraud prevention and detection solution. By running in the background and eliminating setup authentication and risk-based authentication, behavioral biometrics significantly reduces fraud, thus addressing the limitations of traditional authentication methods like email verification and passwords. The article navigates the evolving mobile banking security space, highlighting the important role of MLOps and the potential of AI-driven biometric authentication in meeting the dual objectives of improving customer experience and strengthening severity protocols.
From Decentralized Finance to Decentralized Politics: How Decentralized Autonomous Organizations are Transforming Social Institutions

The article is devoted to the issue of studying the possibility of developing political decentralized networks based on or following the example of decentralized autonomous organizations (DAO), which are becoming increasingly common in the digital space. Their potential impact on the social institutions of society, including the system of state power, is analyzed. The article traces how the technological embodiment of antimonopoly and anti-state ideologies that have been actively developed in cyberspace can lead to a change in the very foundations of social institutions due to the absence of the need for a "third party" to guarantee the implementation of contracts and building responsible social relations. The development of cyberspace is viewed through the prism of clashes of state interests seeking to establish control over the system of digital interactions, and multiple interest groups developing technological capabilities for autonomizing action by building protection based on cryptography. If not loosening, then breaking holes in the financial systems of states is an indicator of the success of decentralized finance projects, which means it stimulates the further development of DAOs and their possible transformation into decentralized political networks. The article also analyses the components of the new discipline Cryptonomics or Cryptoeconomics, showing serious scientific and methodological foundations for the development of DAO, which indicates in favor of the possibility of considering them as experimental platforms for the development of more global projects. The article considers the special nature of the management of decentralized autonomous organizations based on financial incentives. A forecast is made regarding the next stage of confrontation between state structures and decentralized platforms. Conclusions are also drawn about the importance of the DAO for the development of the information society and the role of the intellectual elite in this confrontation.
Cyberassets, Digital Currencies and Their Regulation

Blockchain and related technology, while providing a versatile opportunity for financial innovation, also carries with it myriad avenues for deception. In the midst of government reluctance to step into this space and issue state-backed cryptoassets, it is imperative that effective regulations be put in place by legislation.
Advanced AI Applications in Gaming with Cloud-Powered Media and Entertainment Experiences

The study investigate how cutting-edge AI technologies and cloud-based media are converging to revolutionize the gaming business. The use of AI algorithms has completely changed the game industry, improving realism, customization, and player interaction. Gameplay has been revolutionized by AI, which now allows for more nuanced NPCs, more dynamic stories, and the ability to predict player actions. Combining these developments with cloud computing allows for more scalability, accessibility, and opportunities for cooperative gaming. In this article, we look at how AI has changed the gaming industry, focusing on how it has helped to make games more interactive and enjoyable for individual players. Future interactive experiences and the limits of traditional gaming are being shaped by the confluence of AI and media in cloud-powered gaming
Building Scalable and Performant Apis: Best Practices and Patterns

As APIs become critical business infrastructure, they need to be highly performant and scalable to provide responsive experiences. This article outlines key best practices and patterns for optimizing API performance and scale. Techniques covered include caching, database optimization, horizontal scaling, asynchronous queuing, monitoring, and RESTful design principles. Following API design best practices allows companies to handle increasing workloads and deliver seamless digital experiences.
VAT Treatment of Cryptocurrencies – Some Thoughts on the Libra Project

On 18 June 2019, Mark Zuckerberg officially announced the Libra project with a popular post on Facebook. The idea of launching a global stablecoin that would benefit from an easily accessible and globally available financial infrastructure was born. Based on the blockchain system, Libra would distinguish itself from other popular cryptocurrencies (like bitcoins) for being collateralized (and therefore “stable”) and for its creation process. In this article, the author will first briefly describe the Libra project and make some observations about Libra by analysing its functioning and determining whether it is a fully stablecoin or not. She will then examine the issue from the point of view of VAT, which could possibly be taken into account on transactions made using Libra.
Detection of Face-Mask in Real Time: A Cascaded Bi-Level Feature Extraction Technique Approach

Due to COVID-19's rapid spread, millions of people around the world have been affected and there has been extensive destruction. One of the most effective ways of preventing its spread and transmission during the pandemic period wearing of a mask and was required then in most public areas. As a result, this necessitate the use of programmed real-time mask detection devices in place of manual reminders. Face mask detection requires real-time processing of a huge amount of data with constrained processing resources, hence local descriptors that are quick to calculate, quick to match, and cheap to store are highly sought after. To achieve improved matching and reduction in memory use and computational complexity, the study offers a combination of Features from Accelerated Segment Test (FAST) corner detector with Histogram of Oriented Gradient (HOG) feature descriptor to allow faster matching and minimize memory usage and computation cost. The features obtained were then classified into face mask present and face mask absent using SVM, NB and CNN. Results obtained gives an accuracy of 99.41% which was higher than that previous results of 99.27% and 95% accuracy. Furthermore, it took the system only 48secs to extract the features obtained from face for training and testing. This outcome confirmed the suitability of the suggested method for real-time face mask detection.
STUDENTS’ ENTHUSIASM IN SPEAKING CLASS DURING ONLINE LEARNING

This research aimed to find how strong students' enthusiasm is in speaking class during online learning. The research design in this study was descriptive with a quantitative approach. The population in this research were all the students of English education study program, and the sample of this study was English education study program, morning class, batch 2020 of Universitas Tanjungpura consisting of 37 students. From the 37 students, the researcher took 3 students to get interviewed. These three students have been selected based on their low, average and high questionnaire results. The research instruments were a questionnaire and interview, meanwhile the data analysis used a percentage formula. This research showed that most students are enthusiastic about online learning. Based on the questionnaire results processed using Ms. Excel. The result showed that 71% of students are enthusiastic in speaking class during online learning, and it is categorized as high, referring to the benchmark category by Purwanto (2010). Derived from the interview results, the students mentioned that their enthusiasm depends on internal and external factors that occur during online learning. The internal factors include boredom, lack of sources, and lack of interaction. However, the external factors discovered are lagging, inadequate tools, and unstable signals. In addition, the lecturer also plays a crucial role in making the classroom environment as joyful as it should be. An example of a fun class can be seen from the students being active in the class as well as the good relationship between the students and the lecturer. A cheerful situation will increase students' enthusiasm for learning.
Analysis of Information Technology Service Management Using ITIL V3 Domain Service Operation at Company XYZ

The rapid development of information technology and excellent technology services have become the aspiration for everyone, organizations, institutions, and universities to support their activities, facilitate their tasks, and streamline their business processes. An enterprise organization needs to adapt to the current information technology trends. Managing IT services is a centralized method focusing on consumers' perspective of IT services towards a company's business. XYZ Company has implemented information technology specifically designed for users to manage service activities and process company administrative data. Service Operation is a lifecycle phase covering all day-to-day operations of IT service management. Based on research results on 3 processes, namely Event Management, Request Fulfillment, and Problem Management, there is a need to enhance the hardware, software, and infrastructure requirements to adequately meet the needs of XYZ Company for more effective work. Additionally, the need for implementing Standard Operating Procedures (SOP) and appropriate modules for employees is crucial to enhance their efficiency in utilizing information technology.
Towards Efficient Energy Usage at Ain Shams University Campus

In the light of global energy transition to renewable resources and energy efficiency usage, Ain Shams University (ASU) developed an ambitious plan to transform its campus into Green Campus. From an energy perspective, energy consumption data were continuously collected and audited to calculate the university campus carbon footprint. An energy usage strategy was established to tackle various pillars such as electrifying the campuses’ transportation system, improving energy efficiency usage, generating Renewable Energy (RE) for self-consumption, etc. Extensive research has been initiated on electric vehicles, wind and solar Photovoltaic (PV) energy generation with students’ activities/competitions. Thus, electric cars and buses were manufactured at the Faculty of Engineering (FoE) for elderly people and staff movement in ASU campus. Solar PV lighting poles with batteries were installed in the main campus. A small-scale Wind Turbine (WT) is manufactured and installed at the FoE and a pilot solar PV system is installed as well. Currently, an energy efficiency project is under implementation in various buildings/faculties and a parking lot that targets energy efficiency and solar PV energy generation. An energy efficiency measure is under implementation through replacing lamps with LED lamps, installing motion sensors, setting up a control center for monitoring and operation that is supported by Artificial Intelligence decision making algorithms. Rooftop solar PV energy systems are under design with smart meters. The project is targeting energy saving and bill reduction by at least 30% and as a result a reduction of carbon footprint will be achieved following the COP27 recommendations.
FIR-YOLACT: Fusion of ICIoU and Res2Net for YOLACT on Real-Time Vehicle Instance Segmentation

Autonomous driving technology has made a lot of outstanding achievements with deep learning, and the vehicle detection and classification algorithm has become one of the critical technologies of autonomous driving systems. The vehicle instance segmentation can perform instance-level semantic parsing of vehicle information, which is more accurate and reliable than object detection. However, the existing instance segmentation algorithms still have the problems of poor mask prediction accuracy and low detection speed. Therefore, this paper proposes an advanced real-time instance segmentation model named FIR-YOLACT, which fuses the ICIoU (Improved Complete Intersection over Union) and Res2Net for the YOLACT algorithm. Specifically, the ICIoU function can effectively solve the degradation problem of the original CIoU loss function, and improve the training convergence speed and detection accuracy. The Res2Net module fused with the ECA (Efficient Channel Attention) Net is added to the model’s backbone network, which improves the multi-scale detection capability and mask prediction accuracy. Furthermore, the Cluster NMS (Non-Maximum Suppression) algorithm is introduced in the model’s bounding box regression to enhance the performance of detecting similarly occluded objects. The experimental results demonstrate the superiority of FIR-YOLACT to the based methods and the effectiveness of all components. The processing speed reaches 28 FPS, which meets the demands of real-time vehicle instance segmentation.
Software Coupling and Cohesion Model for Measuring the Quality of Software Components

Measuring software quality requires software engineers to understand the system’s quality attributes and their measurements. The quality attribute is a qualitative property; however, the quantitative feature is needed for software measurement, which is not considered during the development of most software systems. Many research studies have investigated different approaches for measuring software quality, but with no practical approaches to quantify and measure quality attributes. This paper proposes a software quality measurement model, based on a software interconnection model, to measure the quality of software components and the overall quality of the software system. Unlike most of the existing approaches, the proposed approach can be applied at the early stages of software development, to different architectural design models, and at different levels of system decomposition. This article introduces a software measurement model that uses a heuristic normalization of the software’s internal quality attributes, i.e., coupling and cohesion, for software quality measurement. In this model, the quality of a software component is measured based on its internal strength and the coupling it exhibits with other component(s). The proposed model has been experimented with nine software engineering teams that have agreed to participate in the experiment during the development of their different software systems. The experiments have shown that coupling reduces the internal strength of the coupled components by the amount of coupling they exhibit, which degrades their quality and the overall quality of the software system. The introduced model can help in understanding the quality of software design. In addition, it identifies the locations in software design that exhibit unnecessary couplings that degrade the quality of the software systems, which can be eliminated.
Understanding Factors Influencing Crime Prevention Information on Social Media

Social media has transformed policing practices and help to facilitate crime prevention efforts. Despite numerous studies on social media and policing in recent years, not many that focused specifically on source factors of message design and their perceived impact on crime prevention information. This present study aimed to address the gap, by investigating public perceptions toward crime prevention information posted by the Royal Malaysia Police (RMP) on social media. Here, crime prevention information on social media refers to any form of communication related to crime. The study was conducted to provide preliminary insights to our research in crime prevention on social media. A survey was carried out involving 400 active Malaysian users of social media in the age range of 18-34. The findings revealed that, the public’s interest in crime prevention information on social media was primarily motivated by information seeking and sharing. Videos, written texts and infographics were found to be the most preferred social media content. The public in general, perceived police’s crime prevention information on social media positively. Out of the three different factors tested, credibility was found to be the significant predictor that can influence public’s perceived impact of crime prevention information on social media. It was also found that, public perception can influence behavior intention to access and share crime prevention information on social media. This study provided a basis for effective utilization of social media for crime prevention.
A Study on Realated Aspects of Narrative Situation and Self-Reflection in Choi In-Hoon's Novels: Focusing on &lt;Woosumsori&gt; by Choi In-hoon

This thesis attempted to explain the narrative situation of Choi In-hoon’s short story &lt;Woosumsori) from a self-reflective perspective. Self-reflection refers to establishing one’s identity while interacting with objects in the position of a subject, and it is no exaggeration to say that Choi In-hoon’s novelistic sensibility is created from such a sense of self-reflection. &lt;Woosumsori&gt; can be said to be a novel that falls into the form of a return journey. In this case, the work focuses on internal changes or reflections before leaving the journey and after returning. And the process is conveyed in the narrative method. That is the main use of a narrative method called free indirect discourse, and shows the process of self-reflection to construct a new self.&#x0D; What the free indirect discourse method intends in &lt;Woosumsori&gt; is the effect manifested when the character’s thoughts and feelings are inserted into the narrator’s narration or when the narrator’s voice intervenes. This serves the function of allowing the reader to capture the process of how an individual’s inner self relates to the world. For example, free indirect discourse is creating an effect that allows now only symbolic signs such as the desert, trimming nails, and Jesus, but also unconsciousness such as dreams and hallucinations to operate as a mechanism for reflection. Choi In-hoon’s narrative style like this stems from his perception of reality, which tries to respond with thoughts or actions that develop inside the individual rather that directly intervening in reality. For this reason, the work of identifying self-reflection is related to understanding Choi in-hoon’s ideality as a reality with methods and customs.
초중고 교사의 제2외국어에 대한 인식 및 제2외국어 과목 편성･운영 실태 연구

The purpose of this study is to estimate the future of second foreign language (hereafter, second FL) education after the high school credit system by understanding the primary/secondary teachers’ perceptions of second FL and the actual organization/operation status of second FL, and then to seek the proper tasks and solutions to expand students’ right to choose subjects, which is the purpose of this system. 324 primary/secondary school teachers participated in this study and the results are as follows. First, the languages the teachers preferred the most and would like to recommend to students were Chinese, other languages, French, and Japanese, in that order. Second, in the results of verifying the value of second FL education the primary/secondary teachers reported that overall they not only perceived the necessity of second FL education but also strongly agreed on the necessity to open various second FL subjects. Third, regarding the status of second FL subject, both Chinese and Japanese were overwhelmingly found in secondary school and a subject presented as a choice to students inquiring about their preferences and demands. This implies that the imbalance in second FL education originated not from students’ demand but from the imbalance of second foreign language teachers.
UNCOVERING USA PRESIDENTIAL DEBATE GENRE

Presidential debate (PD) draws the most attention compared to other political discourses as the candidates present their profile and proposals using rhetorical communicative strategy to convince voter candidates and defeat their adversaries. However, the generic structure of PD is seldomly being the perspective of linguistics studies. The paper aims at scrutinizing the genre of USA Presidential debate using the genre analysis framework proposed by Swales and Bhatia. Thus, the study employs two parts of genre analysis: move, and strategies analysis. The present study finds that there are six moves of USA PD namely greetings-informing the debate format, introducing the topic, thesis, argumentation, and closure. The communicative purpose of the moves is persuading the American voters in the election day. The finding implies pivotal stages of PD to construct political discourse. This study is expected to contribute to EFL teaching and learning especially in teaching genre exposition integrated in four English skills.
USING YOUTUBE AS A LEARNING MEDIUM FOR EFL STUDENTS TO ENHANCE LISTENING AND SPEAKING SKILLS

The purpose of this study was to investigate a method for integrating English foreign language learners with YouTube media to enhance listening and speaking skills. This analysis uses a qualitative method by adopting a survey research design. Data collection involved the distribution of questionnaires via Google Forms to English as a Foreign Language (EFL) students at both high school and university levels. The researchers aimed to investigate the acquisition of English, focusing on listening and speaking abilities, through the use of the YouTube app. A total of 79 respondents, comprising 23 men and 56 women, participated in this study. The research included an exploration of YouTube media as a tool for English language instruction to enhance listening and speaking skills. The procedures in this study include searching for data from online forms as well as various opinions from respondents which are useful for finding accurate research results. These findings are to be useful because they can give teachers and administrators a practical and theoretical understanding of undergraduate EFL learners perception of using YouTube as a supplemental resource for language acquisition.