Journal of
Systemics, Cybernetics and Informatics

ISSN: 1690-4524 (Online)

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Editorial Advisory Board's Chair
William Lesso

Nagib C. Callaos

Sponsored by
The International Institute of
Informatics and Systemics

Editorial Advisory Board


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No Warranty Express or Implied: Why Do We Have So Many Problems With the Computer Systems That Pervade Our Lives?
John W. Coffey
(pages: 1-6)

Can You Hear Me Now? An Innovative Approach to Assess and Build Connections with Online Learner’s
Tina M. Serafini, Risa Blair
(pages: 7-11)

End-to-end Security with Translation
Kevin E. Foltz
(pages: 12-17)

(Assistive) Technology at the Point of Instruction: Barriers and Possibilities
Lorayne Robertson
(pages: 18-24)

Supplementing Multiple Modalities and Universal Design in Learning with Goal-Setting
Russell Jay Hendel
(pages: 25-30)

Experts Informing Experts
Robert Hammond
(pages: 31-35)

Internet of Things – A New Epistemic Object
Rolf Dornberger, Terry Inglese, Safak Korkut
(pages: 36-44)

An Experiment in Interdisciplinary STEM Education: Insights from the Catholic Intellectual Tradition
Fr. Joseph R. Laracy, Thomas Marlowe, Fr. Gerald J. Buonopane
(pages: 45-53)

Big History Understanding of Complexity, Informatics and Cybernetics
John L. Motloch
(pages: 54-60)

Flourishing Organizations
Maria Jakubik
(pages: 61-72)

Pros & Cons of Smart ICT in Some Governmental Applications
Dusan Soltes
(pages: 73-75)

Information Exchange in Vehicles Ad-Hock Networks
Tomas Zelinka
(pages: 76-80)

Living in a Digital World: Improving Skills to Meet the Challenges of Digital Transformation Through Authentic and Game-Based Learning
Margit Scholl, Frauke Fuhrmann
(pages: 81-86)

Psychotherapy via the Internet as a Novel Tool for Clinical Use
Ulrich Sprick
(pages: 87-94)

Technology Intercepts for Cyber Security Applied to Critical Infrastructures
Mario La Manna
(pages: 95-100)

“And Then a Miracle Occurs …” – Engaging the Challenge of Operationalizing Theories of Success in Digital Transformation
Michael Von Kutzschenbach
(pages: 101-105)

Multidisciplinary Learning Extends Communication Skill, and Helps Cross Cultural Understandings: Biomedical Engineering
Shigehiro Hashimoto
(pages: 106-112)

Integrating Teaching, Research and Problem Solving: An Experience in Progress in the Mucuri Valley Region (Brazil)
Leônidas Conceição Barroso
(pages: 113-118)

Meeting Learning Challenges in Product Design Education with and through Additive Manufacturing
William Lavatelli Kempton, Steinar Killi, Andrew Morrison
(pages: 119-129)

Creating and Using Symbolic Mental Structures via Piaget’s Constructivism and Popper’s Three Worlds View with Falsifiability to Achieve Critical Thinking by Students in the Physical Sciences
Matthew E. Edwards
(pages: 130-134)

Creativity in Higher Education: Comparative Genetic Analyses on the Dopaminergic System in Relation to Creativity, Addiction, Schizophrenia in Humans and Non-Human Primates
Bernard Wallner, Sonja Windhager, Katrin Schaefer, Martin Fieder
(pages: 135-142)





Evaluating Loans Using a Combination of Data Envelopment and Neuro-Fuzzy Systems

Rashmi Malhotra, D.K. Malhotra

A business organization’s objective is to make better decisions at all levels of the firm to improve performance. Typically organizations are multi-faceted and complex systems that use uncertain information. Therefore, making quality decisions to improve organizational performance is a daunting task. Organizations use decision support systems that apply different business intelligence techniques such as statistical models, scoring models, neural networks, expert systems, neuro-fuzzy systems, case-based systems, or simply rules that have been developed through experience. Managers need a decision-making approach that is robust, competent, effective, efficient, and integrative to handle the multi-dimensional organizational entities. The decision maker deals with multiple players in an organization such as products, customers, competitors, location, geographic structure, scope, internal organization, and cultural dimension [46]. Sound decisions include two important concepts: efficiency (return on invested resources) and effectiveness (reaching predetermined goals). However, quite frequently, the decision maker cannot simultaneously handle data from different sources. Hence, we recommend that managers analyze different aspects of data from multiple sources separately and integrate the results of the analysis. This study proposes the design of a multi-attribute-decision-support-system that combines the analytical power of two different tools: data envelopment analysis (DEA) and fuzzy logic. DEA evaluates and measures the relative efficiency of decision making units that use multiple inputs and outputs to provide non-objective measures without making any specific assumptions about data. On the other hand fuzzy logic’s main strength lies in handling imprecise data. This study proposes a modeling technique that jointly uses the two techniques to benefit from the two methodologies. A major advantage of the DEA approach is that it clearly identifies the important factors contributing to the success of a decision. In addition, I also propose the use of a neuro-fuzzy model to create a rule-based system that can aid the decision-maker in making decisions regarding the implications of a decision. One of the important characteristics of neuro-fuzzy systems is their ability to deal with imprecise and uncertain information. The neuro-fuzzy model integrates the performance values of a set of production units derived by ranking using DEA to create IF-THEN rules to handle fluctuating and uncertain scenarios. Thus, a decision maker can easily analyze and understand any decision made by the neuro-fuzzy model in the form of the easily interpretable IF-THEN rules.

[46] M. PorterCompetitive Strategy: techniques for Analyzing Industries and Competitors, The Free Press, New York, 1980.

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