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Articles 601 - 630 of 1061
Full-Text Articles in Computer Sciences
Method For Determining Time-Resolved Heat Transfer Coefficient And Adiabatic Effectiveness Waveforms With Unsteady Film Cooling, James L. Rutledge, Jonathan F. Mccall
Method For Determining Time-Resolved Heat Transfer Coefficient And Adiabatic Effectiveness Waveforms With Unsteady Film Cooling, James L. Rutledge, Jonathan F. Mccall
AFIT Patents
A new method for determining heat transfer coefficient (h) and adiabatic effectiveness (η) waveforms h(t) and η(t) from a single test uses a novel inverse heat transfer methodology to use surface temperature histories obtained using prior art approaches to approximate the h(t) and η(t) waveforms. The method best curve fits the data to a pair of truncated Fourier series.
User-Centric Workload Analytics: Towards Better Cluster Management, Suhas Raveesh Javagal
User-Centric Workload Analytics: Towards Better Cluster Management, Suhas Raveesh Javagal
Open Access Theses
Effective management of computing clusters and providing a high quality customer support is not a trivial task. Due to rise of community clusters there is an increase in the diversity of workloads and the user demographic. Owing to this and privacy concerns of the user, it is difficult to identify performance issues, reduce resource wastage and understand implicit user demands. In this thesis, we perform in-depth analysis of user behavior, performance issues, resource usage patterns and failures in the workloads collected from a university-wide community cluster and two clusters maintained by a government lab. We also introduce a set of …
Separation Of Parallel Encoded Complex-Valued Slices (Specs) From A Single Complex-Valued Aliased Coil Image, Daniel B. Rowe, Iain P. Bruce, Andrew S. Nencka, James S. Hyde, Mary C. Kociuba
Separation Of Parallel Encoded Complex-Valued Slices (Specs) From A Single Complex-Valued Aliased Coil Image, Daniel B. Rowe, Iain P. Bruce, Andrew S. Nencka, James S. Hyde, Mary C. Kociuba
Mathematics, Statistics and Computer Science Faculty Research and Publications
Purpose
Achieving a reduction in scan time with minimal inter-slice signal leakage is one of the significant obstacles in parallel MR imaging. In fMRI, multiband-imaging techniques accelerate data acquisition by simultaneously magnetizing the spatial frequency spectrum of multiple slices. The SPECS model eliminates the consequential inter-slice signal leakage from the slice unaliasing, while maintaining an optimal reduction in scan time and activation statistics in fMRI studies.
Materials and Methods
When the combined k-space array is inverse Fourier reconstructed, the resulting aliased image is separated into the un-aliased slices through a least squares estimator. Without the additional spatial information from …
Roles Of A Teacher And Researcher During In Situ Professional Development Around The Implementation Of Mathematical Modeling Tasks, Hyunyi Jung, Corey Brady
Roles Of A Teacher And Researcher During In Situ Professional Development Around The Implementation Of Mathematical Modeling Tasks, Hyunyi Jung, Corey Brady
Mathematics, Statistics and Computer Science Faculty Research and Publications
Partnership with teachers for professional development has been considered beneficial because of the potential of collaborative work in the teacher’s own classroom to be relevant to practice. From this perspective, both teachers and researchers can draw on their own expertise and work as authentic partners. In this study, we address the need for such collaboration and focus on how a teacher and a researcher performed their roles when collaboratively implementing mathematical modeling tasks within a context of in situ professional development. Using multi-tier design-based research, as a framework, a researcher worked in a teacher’s classroom to implement a series of …
Implementation And Validation Of A Probabilistic Open Source Baseball Engine (Posbe): Modeling Hitters And Pitchers, Rhett Tracy Schaefer
Implementation And Validation Of A Probabilistic Open Source Baseball Engine (Posbe): Modeling Hitters And Pitchers, Rhett Tracy Schaefer
Open Access Theses
This manuscript details the implementation and validation of an open source probabilistic baseball engine (POSBE) that focuses on the hitter and pitcher model of the simulation. The simulation produced outcomes that parallel those observed in actual professional Major League Baseball games. The observed data were taken from the nineteen games played between the New York Yankees (NYY) and Boston Red Sox (BOS) during the 2015 season. The potential hitter/pitcher outcomes of interest were singles, doubles, triples, homeruns, walks, hit-by-pitch, and strikeouts. The nineteen game series was simulated 1000 times, resulting in a total of 19,000 simulations. The eighteen hitters and …
Modeling And Survival Analysis Of Breast Cancer: A Statistical, Artificial Neural Network, And Decision Tree Approach, Venkateswara Rao Mudunuru
Modeling And Survival Analysis Of Breast Cancer: A Statistical, Artificial Neural Network, And Decision Tree Approach, Venkateswara Rao Mudunuru
USF Tampa Graduate Theses and Dissertations
Survival analysis today is widely implemented in the fields of medical and biological sciences, social sciences, econometrics, and engineering. The basic principle behind the survival analysis implies to a statistical approach designed to take into account the amount of time utilized for a study period, or the study of time between entry into observation and a subsequent event. The event of interest pertains to death and the analysis consists of following the subject until death. Events or outcomes are defined by a transition from one discrete state to another at an instantaneous moment in time. In the recent years, research …
Skewed Factor Models Using Selection Mechanisms, Hyoung-Moon Kim, Mehdi Maadooliat, Reinaldo B. Arellano-Valle, Marc G. Genton
Skewed Factor Models Using Selection Mechanisms, Hyoung-Moon Kim, Mehdi Maadooliat, Reinaldo B. Arellano-Valle, Marc G. Genton
Mathematics, Statistics and Computer Science Faculty Research and Publications
Traditional factor models explicitly or implicitly assume that the factors follow a multivariate normal distribution; that is, only moments up to order two are involved. However, it may happen in real data problems that the first two moments cannot explain the factors. Based on this motivation, here we devise three new skewed factor models, the skew-normal, the skew-t, and the generalized skew-normal factor models depending on a selection mechanism on the factors. The ECME algorithms are adopted to estimate related parameters for statistical inference. Monte Carlo simulations validate our new models and we demonstrate the need for skewed factor models …
A Feature Selection Algorithm To Compute Gene Centric Methylation From Probe Level Methylation Data, Brittany Baur, Serdar Bozdag
A Feature Selection Algorithm To Compute Gene Centric Methylation From Probe Level Methylation Data, Brittany Baur, Serdar Bozdag
Mathematics, Statistics and Computer Science Faculty Research and Publications
DNA methylation is an important epigenetic event that effects gene expression during development and various diseases such as cancer. Understanding the mechanism of action of DNA methylation is important for downstream analysis. In the Illumina Infinium HumanMethylation 450K array, there are tens of probes associated with each gene. Given methylation intensities of all these probes, it is necessary to compute which of these probes are most representative of the gene centric methylation level. In this study, we developed a feature selection algorithm based on sequential forward selection that utilized different classification methods to compute gene centric DNA methylation using probe …
Hpcnmf: A High-Performance Toolbox For Non-Negative Matrix Factorization, Karthik Devarajan, Guoli Wang
Hpcnmf: A High-Performance Toolbox For Non-Negative Matrix Factorization, Karthik Devarajan, Guoli Wang
COBRA Preprint Series
Non-negative matrix factorization (NMF) is a widely used machine learning algorithm for dimension reduction of large-scale data. It has found successful applications in a variety of fields such as computational biology, neuroscience, natural language processing, information retrieval, image processing and speech recognition. In bioinformatics, for example, it has been used to extract patterns and profiles from genomic and text-mining data as well as in protein sequence and structure analysis. While the scientific performance of NMF is very promising in dealing with high dimensional data sets and complex data structures, its computational cost is high and sometimes could be critical for …
Generalized Transmuted Family Of Distributions: Properties And Applications, Morad Alizadeh, Faton Merovci, Gholamhossein G. Hamedani
Generalized Transmuted Family Of Distributions: Properties And Applications, Morad Alizadeh, Faton Merovci, Gholamhossein G. Hamedani
Mathematics, Statistics and Computer Science Faculty Research and Publications
We introduce and study general mathematical properties of a new generator of continuous distributions with two extra parameters called the Generalized Transmuted Family of Distributions. We investigate the shapes and present some special models. The new density function can be expressed as a linear combination of exponentiated densities in terms of the same baseline distribution. We obtain explicit expressions for the ordinary and incomplete moments and generating function, Bonferroni and Lorenz curves, asymptotic distribution of the extreme values, Shannon and R´enyi entropies and order statistics, which hold for any baseline model. Further, we introduce a bivariate extension of the new …
Privacy And Accountability In Black-Box Medicine, Roger Allan Ford, W. Nicholson Price Ii
Privacy And Accountability In Black-Box Medicine, Roger Allan Ford, W. Nicholson Price Ii
Law Faculty Scholarship
Black-box medicine—the use of big data and sophisticated machine learning techniques for health-care applications—could be the future of personalized medicine. Black-box medicine promises to make it easier to diagnose rare diseases and conditions, identify the most promising treatments, and allocate scarce resources among different patients. But to succeed, it must overcome two separate, but related, problems: patient privacy and algorithmic accountability. Privacy is a problem because researchers need access to huge amounts of patient health information to generate useful medical predictions. And accountability is a problem because black-box algorithms must be verified by outsiders to ensure they are accurate and …
Simulation Of Nuclear Fusion Using A One Dimensional Particle In Cell Method, Steven T. Margell
Simulation Of Nuclear Fusion Using A One Dimensional Particle In Cell Method, Steven T. Margell
Cal Poly Humboldt theses and projects
In this thesis several novel techniques are developed to simulate fusion events in an isotropic, electrostatic three-dimensional Deuterium-Tritium plasma. These techniques allow us to accurately predict three-dimensional collision events with a one-dimensional model while simultaneously reducing compute time via a nearest neighbor algorithm. Furthermore, a fusion model based on first principles is developed that yields an average fusion reactivity which correlates well with empirical results.
On Six-Parameter Fréchet Distribution: Properties And Applications, Haitham M. Yousof, Ahmed Z. Afify, Abd El Hadi N. Ebraheim, Gholamhossein G. Hamedani, Nadeem Shafique Butt
On Six-Parameter Fréchet Distribution: Properties And Applications, Haitham M. Yousof, Ahmed Z. Afify, Abd El Hadi N. Ebraheim, Gholamhossein G. Hamedani, Nadeem Shafique Butt
Mathematics, Statistics and Computer Science Faculty Research and Publications
This paper introduces a new generalization of the transmuted Marshall-Olkin Fréchet distribution of Afify et al. (2015), using Kumaraswamy generalized family. The new model is referred to as Kumaraswamy transmuted Marshall-Olkin Fréchet distribution. This model contains sixty two sub-models as special cases such as the Kumaraswamy transmuted Fréchet, Kumaraswamy transmuted Marshall-Olkin, generalized inverse Weibull and Kumaraswamy Gumbel type II distributions, among others. Various mathematical properties of the proposed distribution including closed forms for ordinary and incomplete moments, quantile and generating functions and Rényi and η-entropies are derived. The unknown parameters of the new distribution are estimated using the maximum …
Certain Characterizations Of Recently Introduced Distributions, Gholamhossein G. Hamedani, Seyed Morteza Najibi
Certain Characterizations Of Recently Introduced Distributions, Gholamhossein G. Hamedani, Seyed Morteza Najibi
Mathematics, Statistics and Computer Science Faculty Research and Publications
Various characterizations of twenty two recently introduced distributions are presented. These characterizations are based on: (I) ration of two truncated moments; (ii) the hazard function and (iii) conditional expectations.
A New Weibull-G Family Of Distributions, M. H. Tahir, Muhammad Zubair, M. Mansoor, Gauss M. Cordeiro, Morad Alizadeh, Gholamhossein Hamedani
A New Weibull-G Family Of Distributions, M. H. Tahir, Muhammad Zubair, M. Mansoor, Gauss M. Cordeiro, Morad Alizadeh, Gholamhossein Hamedani
Mathematics, Statistics and Computer Science Faculty Research and Publications
Statistical analysis of lifetime data is an important topic in reliability engineering, biomedical and social sciences and others. We introduce a new generator based on the Weibull random variable called the new Weibull-G family. We study some of its mathematical properties. Its density function can be symmetrical, left-skewed, right-skewed, bathtub and reversed-J shaped, and has increasing, decreasing, bathtub, upside-down bathtub, J, reversed-J and S shaped hazard rates. Some special models are presented. We obtain explicit expressions for the ordinary and incomplete moments, quantile and generating functions, Renyi entropy, order statistics and reliability. Three useful characterizations based on truncated moments are …
Worldwide Cutaneous Malignant Melanoma Incidences Analyzed By Sex, Age, And Skin Type Over Time (1955–2007): Is Hpv Infection Of Androgenic Hair Follicular Melanocytes A Risk Factor For Developing Melanoma Exclusively In People Of European-Ancestry?, Stephen Merrill, Madhan Subramanian, Dianne E. Godar
Worldwide Cutaneous Malignant Melanoma Incidences Analyzed By Sex, Age, And Skin Type Over Time (1955–2007): Is Hpv Infection Of Androgenic Hair Follicular Melanocytes A Risk Factor For Developing Melanoma Exclusively In People Of European-Ancestry?, Stephen Merrill, Madhan Subramanian, Dianne E. Godar
Mathematics, Statistics and Computer Science Faculty Research and Publications
The cutaneous malignant melanoma (CMM) incidence has been increasing in an exponential manner in certain populations around the world for over 7 decades. To help illuminate the etiology, we performed worldwide temporal (1955–2007) CMM incidence analysis by sex, age (0–14, 15–29, 30–49, 50–69, 70–85+), and skin type on 6 continents using data from the International Agency for Research on Cancer. We observe an exponential increase in the CMM incidence over time and an increase of about 2 orders of magnitude between age groups 0–14 and 15–29 exclusively in European-ancestry populations around the world independent of skin type (I–III or III–IV). …
Consensus Regularized Selection Based Prediction, Ping Wang
Consensus Regularized Selection Based Prediction, Ping Wang
Wayne State University Theses
Integrating regularization methods within a regression framework has become a popular choice for researchers to build predictive models with lower variance and better generalization. Regularizers also aid in building interpretable models with high-dimensional data which makes them very appealing. Regularizers in general are unique in nature as they cater to data specific features such as correlation, structured sparsity, and temporal smoothness. The problem of obtaining a consensus among such diverse regularizers is extremely important in order to determine the optimal regularizer for the model. This is called the consensus regularization problem which has not received much attention in the literature, …
Challenges In Developing Applications For Aging Populations, Drew Marie Williams, Md O. Gani, Ivor D. Addo, Akm Jahangir Alam Majumder, Chandana Tamma, Mong-Te Wang, Chih-Hung Chang, Sheikh Iqbal Ahamed, Cheng-Chung Chu
Challenges In Developing Applications For Aging Populations, Drew Marie Williams, Md O. Gani, Ivor D. Addo, Akm Jahangir Alam Majumder, Chandana Tamma, Mong-Te Wang, Chih-Hung Chang, Sheikh Iqbal Ahamed, Cheng-Chung Chu
Mathematics, Statistics and Computer Science Faculty Research and Publications
Elderly individuals can greatly benefit from the use of computer applications, which can assist in monitoring health conditions, staying in contact with friends and family, and even learning new things. However, developing accessible applications for an elderly user can be a daunting task for developers. Since the advent of the personal computer, the benefits and challenges of developing applications for older adults have been a hot topic of discussion. In this chapter, the authors discuss the various challenges developers who wish to create applications for the elderly computer user face, including age-related impairments, generational differences in computer use, and the …
Collective Estimation Of Multiple Bivariate Density Functions With Application To Angular-Sampling-Based Protein Loop Modeling, Mehdi Maadooliat, Lan Zhou, Seyed Morteza Najibi, Xin Gao, Jianhua Z. Huang
Collective Estimation Of Multiple Bivariate Density Functions With Application To Angular-Sampling-Based Protein Loop Modeling, Mehdi Maadooliat, Lan Zhou, Seyed Morteza Najibi, Xin Gao, Jianhua Z. Huang
Mathematics, Statistics and Computer Science Faculty Research and Publications
This article develops a method for simultaneous estimation of density functions for a collection of populations of protein backbone angle pairs using a data-driven, shared basis that is constructed by bivariate spline functions defined on a triangulation of the bivariate domain. The circular nature of angular data is taken into account by imposing appropriate smoothness constraints across boundaries of the triangles. Maximum penalized likelihood is used to fit the model and an alternating blockwise Newton-type algorithm is developed for computation. A simulation study shows that the collective estimation approach is statistically more efficient than estimating the densities individually. The proposed …
Almost Perfect Restriction Semigroups, Peter R. Jones
Almost Perfect Restriction Semigroups, Peter R. Jones
Mathematics, Statistics and Computer Science Faculty Research and Publications
We call a restriction semigroup almost perfect if it is proper and the least congruence that identifies all its projections is perfect. We show that any such semigroup is isomorphic to a ‘W -product’ W(T,Y)W(T,Y), where T is a monoid, Y is a semilattice and there is a homomorphism from T into the inverse semigroup TIYTIY of isomorphisms between ideals of Y. Conversely, all such W-products are almost perfect. Since we also show that every restriction semigroup has an easily computed cover of this type, the combination yields a ‘McAlister-type’ theorem for all restriction semigroups. …
Two Combinatorial Proofs Of Identities Involving Sums Of Powers Of Binomial Coefficients, John Engbers, Christopher Stocker
Two Combinatorial Proofs Of Identities Involving Sums Of Powers Of Binomial Coefficients, John Engbers, Christopher Stocker
Mathematics, Statistics and Computer Science Faculty Research and Publications
No abstract provided.
A Hybrid Segmentation And D-Bar Method For Electrical Impedance Tomography, Sarah J. Hamilton, J. M. Reyes, Samuli Siltanen, X. Zhang
A Hybrid Segmentation And D-Bar Method For Electrical Impedance Tomography, Sarah J. Hamilton, J. M. Reyes, Samuli Siltanen, X. Zhang
Mathematics, Statistics and Computer Science Faculty Research and Publications
The regularized D-bar method for electrical impedance tomography (EIT) provides a rigorous mathematical approach for solving the full nonlinear inverse problem directly, i.e., without iterations. It is based on a low-pass filtering in the (nonlinear) frequency domain. However, the resulting D-bar reconstructions are inherently smoothed, leading to a loss of edge distinction. In this paper, a novel method that combines a D-bar approach with the edge-preserving nature of total variation (TV) regularization is presented. The method also includes a data-driven contrast adjustment technique guided by the key functions (CGO solutions) of the D-bar method. The new TV-enhanced D-bar …
An Ensemble Model Of Qsar Tools For Regulatory Risk Assessment, Prachi Pradeep, Richard J. Povinelli, Shannon White, Stephen Merrill
An Ensemble Model Of Qsar Tools For Regulatory Risk Assessment, Prachi Pradeep, Richard J. Povinelli, Shannon White, Stephen Merrill
Mathematics, Statistics and Computer Science Faculty Research and Publications
Quantitative structure activity relationships (QSARs) are theoretical models that relate a quantitative measure of chemical structure to a physical property or a biological effect. QSAR predictions can be used for chemical risk assessment for protection of human and environmental health, which makes them interesting to regulators, especially in the absence of experimental data. For compatibility with regulatory use, QSAR models should be transparent, reproducible and optimized to minimize the number of false negatives. In silico QSAR tools are gaining wide acceptance as a faster alternative to otherwise time-consuming clinical and animal testing methods. However, different QSAR tools often make conflicting …
Pain Level Detection From Facial Image Captured By Smartphone, Md Kamrul Hasan, Golam Mushih Tanimul Ahsan, Sheikh Iqbal Ahamed, Rechard Love, Reza Salim
Pain Level Detection From Facial Image Captured By Smartphone, Md Kamrul Hasan, Golam Mushih Tanimul Ahsan, Sheikh Iqbal Ahamed, Rechard Love, Reza Salim
Mathematics, Statistics and Computer Science Faculty Research and Publications
Accurate symptom of cancer patient in regular basis is highly concern to the medical service provider for clinical decision making such as adjustment of medication. Since patients have limitations to provide self-reported symptoms, we have investigated how mobile phone application can play the vital role to help the patients in this case. We have used facial images captured by smart phone to detect pain level accurately. In this pain detection process, existing algorithms and infrastructure are used for cancer patients to make cost low and user-friendly. The pain management solution is the first mobile-based study as far as we found …
Solving Set Cover With Pairs Problem Using Quantum Annealing, Yudong Cao, Shuxian Jiang, Debbie Perouli, Sabre Kais
Solving Set Cover With Pairs Problem Using Quantum Annealing, Yudong Cao, Shuxian Jiang, Debbie Perouli, Sabre Kais
Mathematics, Statistics and Computer Science Faculty Research and Publications
Here we consider using quantum annealing to solve Set Cover with Pairs (SCP), an NP-hard combinatorial optimization problem that plays an important role in networking, computational biology, and biochemistry. We show an explicit construction of Ising Hamiltonians whose ground states encode the solution of SCP instances. We numerically simulate the time-dependent Schrödinger equation in order to test the performance of quantum annealing for random instances and compare with that of simulated annealing. We also discuss explicit embedding strategies for realizing our Hamiltonian construction on the D-wave type restricted Ising Hamiltonian based on Chimera graphs. Our embedding on the Chimera graph …
A Generalized Gamma-Weibull Distribution: Model, Properties And Applications, R. S. Meshkat, H. Torabi, Gholamhossein G. Hamedani
A Generalized Gamma-Weibull Distribution: Model, Properties And Applications, R. S. Meshkat, H. Torabi, Gholamhossein G. Hamedani
Mathematics, Statistics and Computer Science Faculty Research and Publications
We prepare a new method to generate family of distributions. Then, a family of univariate distributions generated by the Gamma random variable is defined. The generalized gamma-Weibull (GGW) distribution is studied as a special case of this family. Certain mathematical properties of moments are provided. To estimate the model parameters, the maximum likelihood estimators and the asymptotic distribution of the estimators are discussed. Certain characterizations of GGW distribution are presented. Finally, the usefulness of the new distribution, as well as its effectiveness in comparison with other distributions, are shown via an application of a real data set.
Learning About Modeling In Teacher Preparation Programs, Hyunyi Jung, Eryn Stehr, Jia He, Sharon L. Senk
Learning About Modeling In Teacher Preparation Programs, Hyunyi Jung, Eryn Stehr, Jia He, Sharon L. Senk
Mathematics, Statistics and Computer Science Faculty Research and Publications
This study explores opportunities that secondary mathematics teacher preparation programs provide to learn about modeling in algebra. Forty-eight course instructors and ten focus groups at five universities were interviewed to answer questions related to modeling. With the analysis of the interview transcripts and related course materials, we found few opportunities for PSTs to engage with the full modeling cycle. Examples of opportunities to learn about algebraic modeling and the participants’ perspectives on the opportunities can contribute to the study of modeling and algebra in teacher education.
Remarks On A Paper Of Ahmad, Ahmad And Ahmed, Gholamhossein G. Hamedani
Remarks On A Paper Of Ahmad, Ahmad And Ahmed, Gholamhossein G. Hamedani
Mathematics, Statistics and Computer Science Faculty Research and Publications
Ahmad et al. (2015) consider a Transmuted Kumaraswamy distribution and study certain properties of their distribution. In the title of their paper they mention characterization of this distribution, but no characterization are presented in their paper. In the present short note, we establish certain characterizations of the Transmuted Kumaraswamy distribution in three directions.
The Transmuted Weibull-Pareto Distribution, Ahmed Z. Afify, Haitham M. Yousof, Nadeem Shafique Butt, Gholamhossein G. Hamedani
The Transmuted Weibull-Pareto Distribution, Ahmed Z. Afify, Haitham M. Yousof, Nadeem Shafique Butt, Gholamhossein G. Hamedani
Mathematics, Statistics and Computer Science Faculty Research and Publications
A new generalization of the Weibull-Pareto distribution called the transmuted Weibull-Pareto distribution is proposed and studied. Various mathematical properties of this distribution including ordinary and incomplete moments, quantile and generating functions, Bonferroni and Lorenz curves and order statistics are derived. The method of maximum likelihood is used for estimating the model parameters. The flexibility of the new lifetime model is illustrated by means of an application to a real data set.
Data Analytics On Consumer Behavior In Omni-Channel Retail Banking, Card And Payment Services, Geng Dan
Data Analytics On Consumer Behavior In Omni-Channel Retail Banking, Card And Payment Services, Geng Dan
Research Collection School Of Computing and Information Systems
Innovations in financial services have created challenges for banks that Information Systems (IS) research can address. My interests involve transaction cost theory, substitution and complementarity theory, and consumer informedness theory to understand consumer behavior and firm performance in the omni-channel world of digital banking. At a high level, my research inquiry asks: How can financial institutions take advantage of the deep insights that data analytics and management science modeling create on consumer behavior and channel management decision-making? And how can changes in payments and services in retail banking be understood in spatial and temporal terms? I am working on three …