ПРИНЦИПЫ И МОДЕЛИ СЕГМЕНТАЦИИ ПОТРЕБИТЕЛЕЙ НА РЫНКЕ БАНКОВСКИХ ПРОДУКТОВ И УСЛУГ

The process of segmenting consumers ofbanking products and services connects withconducting marketing research. In the processof customer segmentation it is necessary to identify the factors that affect them. Identifi cation of competitive and consumer factors, in particular, is necessary for marketing decision making andthe development of the segment coverage strategy to reach a segment at all stages of planningmarketing activities and evaluating its effectiveness. After determining the basic segments on macro and micro levels the segment coveragestrategies are developed that should be based onthe results of the segmentation map construction.Banking institutions that implement informationtechnology to facilitate collecting and processingcustomer data, such as CRM-systems, receivemore opportunities to identify the client and provide a competitive position in the market.Процесссегментациипотребителейбанковских продуктов и услуг связан с проведением маркетинговых исследований рынка. В процессесегментациипотребителейнеобходимо выявлять факторы, которые воздействуют на них. Выявление конкурентных и потребительских факторов, вчастности, необходимо при принятии маркетинговых решений и разработке стратегии охвата сегмента на всех этапах планирования маркетинговой активности и оценки ее эффективности. После определения основных сегментов на макро-и микроуровнях разрабатываются стратегии охвата сегмента, которые должны быть основаны на результатах построения карт сегментации. Банковские учреждения, которыевнедряютинформационныетехнологии, облегчающиесбориобработкуданныхо клиентах, напримерCRM-системы, получают больше возможностей по идентификации клиента, что обеспечивает конкурентные позиции на рынке

Risk factors of narcological disorders among rural population

Objectives to analyze the correlation between the risk factors of alcohol and drugs consumption, revealed during the preventive medical examination of the adult rural population, and the main epidemiological indicators of narcological diseases, registered in the rural areas of the Samara Region in 20152018. Material and methods.The indicators of the general and primary incidence of narcological disorders were calculated. The risk factors for alcoholization and drug addiction were studied according to the clinical examination of the adult rural population of the Samara region. The rank correlation coefficient was used to establish the relationships between the risk factors and epidemiological data. Results.There is a tendency for decline in the narcological general and primary morbidity of the rural population. The risk factors of alcohol consumption were identified in 1% of the population, the risk factors of drug usein 0.08% of the population. Conclusion.A moderate correlation between the number of persons with alcohol consumption risk factors and some epidemiological data supposes the former investigation of the risk factors for identifying the narcological disorders

PRINCIPLES AND MODELS OF CONSUMER SEGMENTATION IN THE BANKING PRODUCTS AND SERVICES MARKET

The process of segmenting consumers ofbanking products and services connects withconducting marketing research. In the processof customer segmentation it is necessary to identify the factors that affect them. Identifi cation of competitive and consumer factors, in particular, is necessary for marketing decision making andthe development of the segment coverage strategy to reach a segment at all stages of planningmarketing activities and evaluating its effectiveness. After determining the basic segments on macro and micro levels the segment coveragestrategies are developed that should be based onthe results of the segmentation map construction.Banking institutions that implement informationtechnology to facilitate collecting and processingcustomer data, such as CRM-systems, receivemore opportunities to identify the client and provide a competitive position in the market

Free-electron qubits and maximum-contrast attosecond pulses via temporal Talbot revivals

We use laser light and a transmission electron microscope to modulate a free-electron beam into high-contrast electron pulses and free-electron qubits by using temporal Talbot revivals. At large enough propagation distances, the discrete energy sidebands from a laser modulation acquire special phases and group delays that optimize or cancel their time-domain interference, producing a revival or alternatively a pulse train at close to 100% modulation depth. A sequence of two laser interactions at an optimized propagation distance allows us to coherently control adjacent energy sidebands in amplitude and phase in the way of a qubit. The use of continuous-wave laser light provides these modulations at almost the full brightness of the beam source. Free electrons under large-distance laser control are therefore a promising tool for ultrafast material characterizations or investigations of free-electron quantum mechanics.publishe

Toward the Problem of Estimation of the Complex Software System Reliability

Статья посвящена проблеме оценки надежности программного обеспечения. Разработан алгоритм, который позволяет применить универсальную модель при оценке надежности программных систем с различной архитектурой. Представлена модификация модели для оценки надежности распределенных мультиверсионных программных систем. На основе предложенного модельно-алгоритмического аппарата разработан программный комплекс, предназначенный для оценки надежности программных систем. В статье проведено исследование зависимости различных показателей надежности программной системы от условной и безусловной вероятности сбоев отдельных компонентов системы, а также количества компонентов программной системыArticle is devoted to the problem of software reliability estimation. The developed algorithm allows applying universal model for estimation the reliability parameters of software systems with different architectures. The modification of the model for estimation of the reliability of distributed multiversion software systems is given. Based on the proposed models and algorithm the program complex is developed. The paper presents the research of the dependence of various reliability parameters of a software system from the conditional and unconditional probability of failure of individual system components, as well as from the number of components of the software syste

Attosecond metrology in a continuous-beam transmission electron microscope

Electron microscopy can visualize the structure of complex materials with atomic and subatomic resolution, but investigations of reaction dynamics and light-matter interaction call for time resolution as well, ideally on a level below the oscillation period of light. Here, we report the use of the optical cycles of a continuous-wave laser to bunch the electron beam inside a transmission electron microscope into electron pulses that are shorter than half a cycle of light. The pulses arrive at the target at almost the full average brightness of the electron source and in synchrony to the optical cycles, providing attosecond time resolution of spectroscopic features. The necessary modifications are simple and can turn almost any electron microscope into an attosecond instrument that may be useful for visualizing the inner workings of light-matter interaction on the basis of the atoms and the cycles of light.publishe

Toward the Problem of Estimation of the Complex Software System Reliability

Статья посвящена проблеме оценки надежности программного обеспечения. Разработан алгоритм, который позволяет применить универсальную модель при оценке надежности программных систем с различной архитектурой. Представлена модификация модели для оценки надежности распределенных мультиверсионных программных систем. На основе предложенного модельно-алгоритмического аппарата разработан программный комплекс, предназначенный для оценки надежности программных систем. В статье проведено исследование зависимости различных показателей надежности программной системы от условной и безусловной вероятности сбоев отдельных компонентов системы, а также количества компонентов программной системыArticle is devoted to the problem of software reliability estimation. The developed algorithm allows applying universal model for estimation the reliability parameters of software systems with different architectures. The modification of the model for estimation of the reliability of distributed multiversion software systems is given. Based on the proposed models and algorithm the program complex is developed. The paper presents the research of the dependence of various reliability parameters of a software system from the conditional and unconditional probability of failure of individual system components, as well as from the number of components of the software syste

Novel Antimicrobial Peptides from the Arctic Polychaeta <i>Nicomache minor</i> Provide New Molecular Insight into Biological Role of the BRICHOS Domain

Endogenous antimicrobial peptides (AMPs) are among the earliest molecular factors in the evolution of animal innate immunity. In this study, novel AMPs named nicomicins were identified in the small marine polychaeta Nicomache minor in the Maldanidae family. Full-length mRNA sequences encoded 239-residue prepropeptides consisting of a putative signal sequence region, the BRICHOS domain within an acidic proregion, and 33-residue mature cationic peptides. Nicomicin-1 was expressed in the bacterial system, and its spatial structure was analyzed by circular dichroism and nuclear magnetic resonance spectroscopy. Nicomicins are unique among polychaeta AMPs scaffolds, combining an amphipathic N-terminal &#945;-helix and C-terminal extended part with a six-residue loop stabilized by a disulfide bridge. This structural arrangement resembles the Rana-box motif observed in the &#945;-helical host-defense peptides isolated from frog skin. Nicomicin-1 exhibited strong in vitro antimicrobial activity against Gram-positive bacteria at submicromolar concentrations. The main mechanism of nicomicin-1 action is based on membrane damage but not on the inhibition of bacterial translation. The peptide possessed cytotoxicity against cancer and normal adherent cells as well as toward human erythrocytes

A Data-Driven Review of the Genetic Factors of Pregnancy Complications

Over the recent years, many advances have been made in the research of the genetic factors of pregnancy complications. In this work, we use publicly available data repositories, such as the National Human Genome Research Institute GWAS Catalog, HuGE Navigator, and the UK Biobank genetic and phenotypic dataset to gain insights into molecular pathways and individual genes behind a set of pregnancy-related traits, including the most studied ones&mdash;preeclampsia, gestational diabetes, preterm birth, and placental abruption. Using both HuGE and GWAS Catalog data, we confirm that immune system and, in particular, T-cell related pathways are one of the most important drivers of pregnancy-related traits. Pathway analysis of the data reveals that cell adhesion and matrisome-related genes are also commonly involved in pregnancy pathologies. We also find a large role of metabolic factors that affect not only gestational diabetes, but also the other traits. These shared metabolic genes include IGF2, PPARG, and NOS3. We further discover that the published genetic associations are poorly replicated in the independent UK Biobank cohort. Nevertheless, we find novel genome-wide associations with pregnancy-related traits for the FBLN7, STK32B, and ACTR3B genes, and replicate the effects of the KAZN and TLE1 genes, with the latter being the only gene identified across all data resources. Overall, our analysis highlights central molecular pathways for pregnancy-related traits, and suggests a need to use more accurate and sophisticated association analysis strategies to robustly identify genetic risk factors for pregnancy complications

Specific Binding of the α-Component of the Lantibiotic Lichenicidin to the Peptidoglycan Precursor Lipid II Predetermines Its Antimicrobial Activity

To date, a number of lantibiotics have been shown to use lipid II—a highly conserved peptidoglycan precursor in the cytoplasmic membrane of bacteria—as their molecular target. The α-component (Lchα) of the two-component lantibiotic lichenicidin, previously isolated from the Bacillus licheniformis VK21 strain, seems to contain two putative lipid II binding sites in its N-terminal and C-terminal domains. Using NMR spectroscopy in DPC micelles, we obtained convincing evidence that the C-terminal mersacidin-like site is involved in the interaction with lipid II. These data were confirmed by the MD simulations. The contact area of lipid II includes pyrophosphate and disaccharide residues along with the first isoprene units of bactoprenol. MD also showed the potential for the formation of a stable N-terminal nisin-like complex; however, the conditions necessary for its implementation in vitro remain unknown. Overall, our results clarify the picture of two component lantibiotics mechanism of antimicrobial action