Understanding the consumption process through in-branch and e-mortgage service channels: A first-time buyer perspective

This article is (c) Emerald Group Publishing and permission has been granted for this version to appear here (////BURA web address here). Emerald does not grant permission for this article to be further copied/distributed or hosted elsewhere without the express permission from Emerald Group Publishing Limited.Purpose – The twin aims of this paper are to explore the differences in the consumption process between the traditional in-branch and web-based (e-mortgage) service channels and how the differences relate to any problems identified in the electronic service environment, with respect to information search and product evaluation. Design/methodology/approach – A process-oriented approach comparing the two service channels (in-branch vs e-mortgage) was conducted in two study phases. Data from the e-mortgage process were collected using protocol analysis with 12 first-time buyers (FTBs) applying on a website belonging either to a hybrid or to an internet-only bank. Results of the e-mortgage process were mapped on to stages of the in-branch process, which was captured by observation of six FTB mortgage interviews to determine the level of correspondence and emergent issues. Findings – Support for the FTB in the e-mortgage process was problematic and service provision was found to be product- rather than consumer-oriented. Practical implications – The study highlights the importance of design issues in the electronic service environment for creating confidence in the online advice and information available on home mortgages for FTBs. Originality/value – The paper promotes increased understanding by financial service providers of the characteristics that support the consultative selling process for complex products such as mortgages and inform multichannel retailing

Biotechnological applications of functional metagenomics in the food and pharmaceutical industries

peer-reviewedMicroorganisms are found throughout nature, thriving in a vast range of environmental conditions. The majority of them are unculturable or difficult to culture by traditional methods. Metagenomics enables the study of all microorganisms, regardless of whether they can be cultured or not, through the analysis of genomic data obtained directly from an environmental sample, providing knowledge of the species present, and allowing the extraction of information regarding the functionality of microbial communities in their natural habitat. Function-based screenings, following the cloning and expression of metagenomic DNA in a heterologous host, can be applied to the discovery of novel proteins of industrial interest encoded by the genes of previously inaccessible microorganisms. Functional metagenomics has considerable potential in the food and pharmaceutical industries, where it can, for instance, aid (i) the identification of enzymes with desirable technological properties, capable of catalyzing novel reactions or replacing existing chemically synthesized catalysts which may be difficult or expensive to produce, and able to work under a wide range of environmental conditions encountered in food and pharmaceutical processing cycles including extreme conditions of temperature, pH, osmolarity, etc; (ii) the discovery of novel bioactives including antimicrobials active against microorganisms of concern both in food and medical settings; (iii) the investigation of industrial and societal issues such as antibiotic resistance development. This review article summarizes the state-of-the-art functional metagenomic methods available and discusses the potential of functional metagenomic approaches to mine as yet unexplored environments to discover novel genes with biotechnological application in the food and pharmaceutical industries.Science Foundation Ireland(SFI)Grant Number 13/SIRG/215

Biofilm Inhibitory Coatings Formulated from Glass Polyalkenoate Cement Chemistry: An Evaluation of their Adhesive Nature

Researchers evaluated the adhesive nature of the biofilm inhibitory coatings formulated from glass polyalkenoate cement (GPC) chemistry with the aim to establish the novel testing modality by modifying the conventional T-peel tests. Special consideration was given to determine the resistance of a bonded assembly of two adherents having at least one adherent flexible to quantify the bond between tape and a surgical metal substrate bonded by a luting GPC. The delaminated tape surface was examined by scanning electron microscopy (SEM) with an accelerating voltage of 20 K V to determine whether failure of the bond was adhesive of cohesive in nature. Researchers have also evaluated the cements against Ti6A14V, as they are designed as surgical coatings. The load testing evaluation in excess of 5500 Pa, showed the failure of the novel GPC adhered to rigid and flexible substrates

Living with the user: Design drama for dementia care through responsive scripted experiences in the home

Participation in forms of drama and narrative can provoke empathy and creativity in user-centred design processes. In this paper, we expand upon existing methods to explore the potential for responsive scripted experiences that are delivered through the combination of sensors and output devices placed in a home. The approach is being developed in the context of Dementia care, where the capacity for rich user participation in design activities is limited. In this case, a system can act as a proxy for a person with Dementia, allowing designers to gain experiences and insight as to what it is like to provide care for, and live with, this person. We describe the rationale behind the approach, a prototype system architecture, and our current work to explore the creation of scripted experiences for design, played out though UbiComp technologies.This research is funded by the Arts and Humanities Research Council UK, (AH/K00266X/1) and Horizon Digital Economy Research (RCUK grant EP/G065802/1)

A Model of Direct Gauge Mediation

We present a simple model of gauge mediation (GM) which does not have a messenger sector or gauge singlet fields. The standard model gauge groups couple directly to the sector which breaks supersymmetry dynamically. This is the first phenomenologically viable example of this type in the literature. Despite the direct coupling, the model can preserve perturbative gauge unification. This is achieved by the inverted hierarchy mechanism which generates a large scalar expectation value compared to the size of supersymmetry breaking. There is no dangerous negative contribution to the squark, slepton masses due to two-loop renormalization group equation. The potentially non-universal supergravity contribution to the scalar masses can be suppressed enough to maintain the virtue of the gauge mediation. The model is completely chiral, and one does not need to forbid mass terms for the messenger fields by hand. Beyond the simplicity of the model, it possesses cosmologically desirable features compared to the original models of GM: an improved gravitino and string moduli cosmology. The Polonyi problem is back unlike in the original GM models, but is still much less serious than in hidden sector models.Comment: LaTeX, 12 page

Antibacterial Coatings for Medical Devices based on Glass Polyalkenoate Cement Chemistry

A biofilm is an accumulation of micro-organisms and their extracellular products forming a structured community on a surface. Biofilm formation on medical devices has severe health consequences as bacteria growing in this lifestyle are tolerant to both host defense mechanisms and antibiotic therapies. However, silver and zinc ions inhibit the attachment and proliferation of immature biofilms. The objective of this study is to evaluate whether it is possible to produce silver and zinc-containing glass polyalkenoate cement (GPC) coatings for medical devices that have antibacterial activity and which may therefore inhibit biofilm formation on a material surface. Two silver and zinc-containing GPC coatings (A and B) were synthesised and coated onto Ti6Al4V discs. Their handling properties were characterised and atomic absorption spectrometery was employed to determine zinc and silver ion release with coating maturation up to 30 days. The antibacterial properties of the coatings were also evaluated against Staphylococcus aureus and a clinical isolate of Pseudomonas aeruginosa using an agar diffusion assay method. The majority of the zinc and silver ions were released within the first 24 h; both coatings exhibited antibacterial effect against the two bacterial strains, but the effect was more intense for B which contained more silver and less zinc than A. Both coatings produced clear zones of inhibition with each of the two organisms tested. In this assay, Ps. aeruginosa was more sensitive than S. aureus. The diameters of these zones were reduced after the coating had been immersed in water for varying periods due to the resultant effect on ion release. © 2008 Springer Science+Business Media, LLC

Seeing the big PICTURE: A framework for improving the communication of requirements within the Business-IT relationship

The relationship between the business and IT departments in the context of the organisation has been characterised as highly divisive. Contributing problems appear to revolve around the failure to adequately communicate and understand the required information for the alignment of business and IT strategies and infrastructures. This study takes a communication-based view on the concept of alignment, in terms of the relationship between the retail business and IT within a major high street UK bank. A research framework (PICTURE) is used to provide insight into this relationship and guide the analysis of interviews with 29 individuals on mid-high management level for their thematic content. The paper highlights the lessons that can be derived from the study of the BIT relationship and how possible improvements could be made

Cosmology with a TeV mass GUT Higgs

The most natural way to break the GUT gauge symmetry is with a Higgs field whose vacuum expectation value is of order 10^{16}\,\mbox{GeV} but whose mass is of order $10^2$ to 10^3\,\mbox{GeV}. This can lead to a cosmological history radically different from what is usually assumed to have occurred between the standard inflationary and nucleosynthesis epochs, which may solve the gravitino and Polonyi/moduli problems in a natural way.Comment: 4 pages, revte

Practices and perceptions of strength and conditioning in female golf: a survey study of touring professional players

The aim of the study was to provide an understanding of current practices and perceptions of strength and conditioning (S&C) training in female touring professionals. A cross-sectional, explorative survey was undertaken and contained 30 questions separated into four sections: i) general participant information, ii) S&C practices, iii) Likert scale questions on S&C for golf performance, and iv) knowledge and awareness of S&C. A total of 102 players completed the survey with a combination of multiple-choice questions (MCQs), open-ended questions, and Likert Scale style questions utilised throughout. Results showed that ≥ 94% of players believed that strength and power in both the lower and upper body, in addition to flexibility, were the most important physical characteristics to complement golf shot metrics (e.g., clubhead speed [CHS], ball speed, carry distance, etc.). However, 26% of players conducted S&C training only in the off-season, with 21% suggesting that they had a fear of injury from S&C training. When considering the barriers to undertaking S&C training, the most common reasons included time constraints (20%) and players wanting to prioritise golf practice (15%). Finally, 58% of players believed that training in the weight room should replicate the golf swing. Although it is positive to see that the main physical characteristics for golf are well-understood by professional players, it is also evident that further education and knowledge translation is required relating to the application of S&C training for performance enhancement and injury risk mitigation purposes