I address the following issue in this paper: how does information sharing among banks about borrowers affect banks’ competition, and ultimately, the interest rate borrowers pay for the loan they take? One would expect that full information sharing among banks reduces lenders’ risk and results in lower lending rates than any other arrangement. This may be the reason why regulators of the banking...

A new Gaussian mixture filter has been developed, one that uses a re-sampling step in order to limit the covariances of its individual Gaussian components. The new filter has been designed to produce accurate solutions of difficult nonlinear/nonBayesian estimation problems. It uses static multiple-model filter calculations and Extended Kalman Filter (EKF) approximations for each Gaussian mixand...

Despite the great popularity of critically-decimated filter banks, oversampled filter banks are useful in applications where data expansion is not a problem. We studied oversampled filter banks and showed that for some popular classes of filter banks it is not possible to obtain perfect reconstruction with rational (non-integer) oversampling ratios. Nevertheless, it is always possible to oversa...

Outgoing from the known uniform FBMC (Filter-Bank Multi-Carrier) formats with Nyquist spectral shaped sub-channels and its time-frequency dual Time-Limited Orthogonal (TLO) form, we introduce an orthogonal frequency division multiplex of nonuniformly spaced and unequal-width sub-channels. The goal is to attain potential gains in using relatively small number of subchannels, but still allow for ...

Texture segmentation involves subdividing an image into differently textured regions. Many texture segmentation schemes are based on a filter-bank model, where the filters, called Gabor filters, are derived from Gabor elementary functions. The goal is to transform texture differences into detectable filter-output discontinuities at texture boundaries. By locating these discontinuities, one can ...

This research paper presents an approach towards VLSI implementation of Discrete Wavelet Transform (DWT) for image compression. The design follows the JPEG 2000 standard and can be used for both lossy and lossless compression. In order to reduce the complexities of the design, linear algebra view of DWT has been used in this research paper. This design can be used for image compression in a rob...

In this paper, a new AM-FM based filter bank analysis for the estimation of spectro-temporal envelope (STE) of speech signals is proposed. The filter bank is simulated by filtering a frequency translated signal using a single resonator centered around the Nyquist frequency. The proposed design of using a single fixed resonator provides distinct advantages over the traditional methods of filter ...

This work solves the signal reconstruction problem involving nonuniform filter bank systems with rational decimation factors and noises. Three main nonuniform filter bank systems, i.e., filter-block decimator (FBD) structure, upsamplerfilter-downsampler (UFD) structure, and tree structure, are included in this study. According to different operating conditions, two different signal reconstructi...