Jamil J. Jaber^1,2, Noriszura Ismail², Siti Norafidah Mohd Ramli², Baker Albadareen², Nawaf N. Hamadneh^3,*

CMC-Computers, Materials & Continua, Vol.66, No.3, pp. 3329-3344, 2021, DOI:10.32604/cmc.2021.014509

Abstract Loss given default (LGD) is a key parameter in credit risk management to calculate the required regulatory minimum capital. The internal ratings-based (IRB) approach under the Basel II allows institutions to determine the loss given default (LGD) on their own. In this study, we have estimated LGD for a credit portfolio data by using beta regression with precision parameter (∅) and mean parameter (μ). The credit portfolio data was obtained from a banking institution in Jordan; for the period of January 2010 until December 2014. In the first stage, we have used the “outstanding amount”… More >

Jaiteg Singh¹, Tanya Gera¹, Farman Ali², Deepak Thakur¹, Karamjeet Singh³, Kyung-sup Kwak^4,*

CMC-Computers, Materials & Continua, Vol.66, No.3, pp. 2655-2670, 2021, DOI:10.32604/cmc.2021.014504

Abstract Android has been dominating the smartphone market for more than a decade and has managed to capture 87.8% of the market share. Such popularity of Android has drawn the attention of cybercriminals and malware developers. The malicious applications can steal sensitive information like contacts, read personal messages, record calls, send messages to premium-rate numbers, cause financial loss, gain access to the gallery and can access the user’s geographic location. Numerous surveys on Android security have primarily focused on types of malware attack, their propagation, and techniques to mitigate them. To the best of our knowledge,… More >

Husam Jasim Mohammed^1,*, Hajem Ati Daham²

CMC-Computers, Materials & Continua, Vol.66, No.3, pp. 2229-2239, 2021, DOI:10.32604/cmc.2021.014445

Abstract In reality, the flipped classroom has gained popularity as a modern way of structuring teaching, where lectures move from in-class procedures to digitally-based assignments, freeing up the debate, and practice exercises class time. Therefore, it is essential to implement and analyze a way of teaching that will improve student performance. The paper aims to develop a model of the method of teaching science in Iraqi schools, and to assess whether teaching flipped classroom affects the achievement, motivation, and creative thinking of students by using the methodology of Multi-Criteria Decision Making (MCDM) in the Analytic Hierarchy… More >

Khairol Amali bin Ahmad¹, Mohammad Nazmul Hasan², Md. Sharif Hossen^2,*, Khaleel Ahmad³

CMC-Computers, Materials & Continua, Vol.66, No.3, pp. 3075-3087, 2021, DOI:10.32604/cmc.2021.014436

Abstract Pocket Switched Networks (PSN) represent a particular remittent network for direct communication between the handheld mobile devices. Compared to traditional networks, there is no stable topology structure for PSN where the nodes observe the mobility model of human society. It is a kind of Delay Tolerant Networks (DTNs) that gives a description to circulate information among the network nodes by the way of taking the benefit of transferring nodes from one area to another. Considering its inception, there are several schemes for message routing in the infrastructure-less environment in which human mobility is only the… More >

Khomdet Phapatanaburi¹, Kasidit kokkhunthod², Longbiao Wang³, Talit Jumphoo², Monthippa Uthansakul², Anyaporn Boonmahitthisud⁴, Peerapong Uthansakul^2,*

CMC-Computers, Materials & Continua, Vol.66, No.3, pp. 3029-3044, 2021, DOI:10.32604/cmc.2021.014433

Abstract A brainwave classification, which does not involve any limb movement and stimulus for character-writing applications, benefits impaired people, in terms of practical communication, because it allows users to command a device/computer directly via electroencephalogram signals. In this paper, we propose a new framework based on Empirical Mode Decomposition (EMD) features along with the Gaussian Mixture Model (GMM) and Kernel Extreme Learning Machine (KELM)-based classifiers. For this purpose, firstly, we introduce EMD to decompose EEG signals into Intrinsic Mode Functions (IMFs), which actually are used as the input features of the brainwave classification for the character-writing… More >

Sabin C. Buraga¹, Octavian Dospinescu^2,*

CMC-Computers, Materials & Continua, Vol.66, No.3, pp. 2857-2873, 2021, DOI:10.32604/cmc.2021.014429

Abstract A knowledge-driven approach is proposed for assessing the music influence on university students. The proposed method of modeling and conducting the interactive pilot study can be useful to convey other surveys, interviews, and experiments created in various phases of the user interface (UI) design processes, as part of a general human-computer interaction (HCI) methodology. Benefiting from existing semantic Web and linked data standards, best practices, and tools, a microservice-oriented system is developed as a testbed platform able to generate playlists in a smart way according to users’ music preferences. This novel approach could bring also More >

Nancy Awadallah Awad^1,*, Amena Mahmoud²

CMC-Computers, Materials & Continua, Vol.66, No.3, pp. 3151-3160, 2021, DOI:10.32604/cmc.2021.014426

Abstract Data compression is one of the core fields of study for applications of image and video processing. The raw data to be transmitted consumes large bandwidth and requires huge storage space as a result, it is desirable to represent the information in the data with considerably fewer bits by the mean of data compression techniques, the data must be reconstituted very similarly to the initial form. In this paper, a hybrid compression based on Discrete Cosine Transform (DCT), Discrete Wavelet Transform (DWT) is used to enhance the quality of the reconstructed image. These techniques are… More >

Shaymaa E. Sorour^1,*, Tamer M. Kamel², Hanan E. Abdelkader³

CMC-Computers, Materials & Continua, Vol.66, No.3, pp. 2671-2689, 2021, DOI:10.32604/cmc.2021.014395

Abstract The COVID-19 pandemic has affected the educational systems worldwide, leading to the near-total closures of schools, universities, and colleges. Universities need to adapt to changes to face this crisis without negatively affecting students’ performance. Accordingly, the purpose of this study is to identify and help solve to critical challenges and factors that influence the e-learning system for Computer Maintenance courses during the COVID-19 pandemic. The paper examines the effect of a hybrid modeling approach that uses Cloud Computing Services (CCS) and Virtual Reality (VR) in a Virtual Cloud Learning Environment (VCLE) system. The VCLE system… More >

Jin Han¹, Cheng Wang², Jie Miao³, Mingxin Lu³, Yingchun Wang⁴, Jin Shi^3,*

CMC-Computers, Materials & Continua, Vol.66, No.3, pp. 2645-2654, 2021, DOI:10.32604/cmc.2021.014371

Abstract With the development of information technology, cloud computing technology has brought many conveniences to all aspects of work and life. With the continuous promotion, popularization and vigorous development of e-government and e-commerce, the number of documents in electronic form is getting larger and larger. Electronic document is an indispensable main tool and real record of e-government and business activities. How to scientifically and effectively manage electronic documents? This is an important issue faced by governments and enterprises in improving management efficiency, protecting state secrets or business secrets, and reducing management costs. This paper discusses the… More >

Muhammad Yahya Saeed¹, Muhammad Awais¹, Muhammad Younas¹, Muhammad Arif Shah^2,*, Atif Khan³, M. Irfan Uddin⁴, Marwan Mahmoud⁵

CMC-Computers, Materials & Continua, Vol.66, No.3, pp. 2409-2423, 2021, DOI:10.32604/cmc.2021.014330

Abstract Text Summarization is an essential area in text mining, which has procedures for text extraction. In natural language processing, text summarization maps the documents to a representative set of descriptive words. Therefore, the objective of text extraction is to attain reduced expressive contents from the text documents. Text summarization has two main areas such as abstractive, and extractive summarization. Extractive text summarization has further two approaches, in which the first approach applies the sentence score algorithm, and the second approach follows the word embedding principles. All such text extractions have limitations in providing the basic… More >