Interpreting infrastructure: Defining user value for digital financial intermediaries.

The 3DaRoC project is exploring digital connectivity and peer-to-peer relationships in financial services. In the light of the near collapse of the UK and world financial sector, understanding and innovating new and more sustainable approaches to financial services is now a critical topic. At the same time, the increasing penetration and take-up of robust high-speed networks, dependable peerto- peer architectures and mobile multimedia technologies offer novel platforms for offering financial services over the Internet. These new forms of digital connectivity give rise to opportunities in doing financial transactions in different ways and with radically different business models that offer the possibility of transforming the marketplace. One area in the digital economy that has had such an effect is in the ways that users access and use digital banking and payment services. The impact of the new economic models presented by these digital financial services is yet to be fully determined, but they have huge potential as disruptive innovations, with a potentially transformative effect on the way that services are offered to users. Little is understood about how technical infrastructures impact on the ways that people make sense of the financial services that they use, or on how these might be designed more effectively. 3DaRoC is exploring this space working with our partners and end users to prototype and evaluate new online, mobile, ubiquitous and tangible technologies, exploring how these services might be extended.Executive Summary: Drawing from Studies of Use - the value, use and interpretation of infrastructure in digital intermediaries to their users. The UK economy has a huge dependence on financial services, and this is increasingly based on digital platforms. Innovating new economic models around consumer financial services through the use of digital technologies is seen as increasingly important in developed economies. There are a number of drivers for this, ranging from national economic factors to the prosaic nature of enabling cheap, speedy and timely interactions for users. The potential for these new digital solutions is that they will allay an over-reliance on the traditional banking sector, which has proved itself to be unstable and risky, and we have seen a number of national policy moves to encourage growth in this sector. Partly as a result of the 2008 banking crisis, there has been an explosion in peer-to-peer financial services for non-professional consumers. These organisations act as intermediaries between users looking to trade goods or credit. However, building self-sustaining or profitable financial services within this novel space is itself fraught with commercial, regulatory, technical and social problems. This document reports on the value, use and interpretation of infrastructure in digital intermediaries to their users, describing analysis of contextual field studies carried out in two retail digital financial intermediary organisations: Zopa Limited and the Bristol Pound. It forms the second milestone document in the 3DaRoC project, developing patterns of use that have arisen on the back of the technical infrastructures in the two organisations that form cases for examination. Its purpose is to examine how the two different technical infrastructures that underpin the transactions that they support–composed of the back-office hardware and software, data structures, the networking and communications technologies used, supported consumer devices, and the user interfaces and interaction design–have provided opportunities for users to realise their financial and other needs. While we orient towards the issues of service use (and its problems), we also examine the activities and expectations of their various users. Our research has involved teams from Lancaster University examining Zopa and Brunel University focusing on the Bristol Pound over approximately a one-year period from October 2013 to October 2014. Extensive interviews, document analysis, observation of user interactions, and other methods have been employed to develop the process analyses of the firms presented here. This report comprises of three key sections: descriptions of the user demographics for Zopa and the Bristol Pound, a discussion about the user experience and its role in community, and an examination of the role of usage data in the development of these a products. We conclude with final analytical section drawing preliminary conclusions from the research presented.The 3DaRoC project is funded by the RCUK Digital Economy ‘Research in the Wild’ theme (grant no. EP/K012304/1)

Putting the ‘digital’ in Digital Intermediaries: the role of technical infrastructure in building business models

Digital Technology Innovation and Financial Business Practices The UK economy has a huge dependence on financial services, and this is increasingly based on digital platforms. Innovating new economic models around consumer financial services through the use of digital technologies is seen as increasingly important in developed economies. There are a number of drivers for this, ranging from national economic factors to the prosaic nature of enabling cheap, speedy and timely interactions for users. The potential for these new digital solutions is that they will allay an over-reliance on the traditional banking sector, which has proved itself to be unstable and risky, and we have seen a number of national policy moves to encourage growth in this sector. Partly as a result of the 2008 banking crisis, there has been an explosion in peer-to-peer financial services for non-professional consumers. These organisations act as intermediaries between users looking to trade goods or credit. However, building self-sustaining or profitable financial services within this novel space is itself fraught with commercial, regulatory, technical and social problems. This report addresses the mutual shaping of business models and innovations in digital technical infrastructure – both client-facing and administrative back-end – in two retail financial products currently in use in the United Kingdom: peer-to-peer consumer lending and a local digital/paper hybrid currency system. The two products and their issuing firms, Zopa Limited (Zopa) and The Bristol Pound Community Interest Company (the Bristol Pound), respectively, are established leaders in their respective product areas: Zopa was established in 2005 and the Bristol Pound in 2010. Each of these firms seeks to disrupt an established financial market through the application of digital technologies and processes: consumer lending for Zopa and retail payment for the Bristol Pound. Our research has involved teams from Lancaster University examining Zopa and Brunel University focusing on the Bristol Pound over approximately a one-year period from October 2013 to October 2014. Extensive interviews, document analysis, observation of user interactions, and other methods have been employed to develop the process analyses of the firms presented here. This report is comprised of three primary sections: descriptions of the business and technological processes of each of Zopa and the Bristol Pound, and a final analytical section drawing preliminary conclusions from the research presented.3DaRoC is funded by the UK’s Digital Economy ‘Research in the Wild’ initiative. It has a substantial research budget of over £320K, with £35K of additional industrial support

Fiber-modified polyurethane foam for ballistic protection

Closed-cell, semirigid, fiber-loaded, self-extinguishing polyurethane foam material fills voids around fuel cells in aircraft. Material prevents leakage of fuel and spreading of fire in case of ballistic incendiary impact. It also protects fuel cell in case of exterior fire

Fire retardant foams developed to suppress fuel fires

Heat insulating polyurethane foam retards and suppresses fuel fires. Uniformly dispersed in the foam is a halogenated polymer capable of splitting off hydrogen halide upon heating and charring of the polyurethane

Andersen-Tawil Syndrome

Andersen-Tawil syndrome (ATS) is a rare condition consisting of ventricular arrhythmias, periodic paralysis, and dysmorphic features. In 2001, mutations in KCNJ2, which encodes the α subunit of the potassium channel Kir2.1, were identified in patients with ATS. To date, KCNJ2 is the only gene implicated in ATS, accounting for approximately 60% of cases. ATS is a unique channelopathy, and represents the first link between cardiac and skeletal muscle excitability. The arrhythmias observed in ATS are distinctive; patients may be asymptomatic, or minimally symptomatic despite a high arrhythmia burden with frequent ventricular ectopy and bidirectional ventricular tachycardia. However, patients remain at risk for life-threatening arrhythmias, including torsades de pointes and ventricular fibrillation, albeit less commonly than observed in other genetic arrhythmia syndromes. The characteristic heterogeneity at both the genotypic and phenotypic levels contribute to the continued difficulties with appropriate diagnosis, risk stratification, and effective therapy. The initial recognition of a syndromic association of clinically diverse symptoms, and the subsequent identification of the underlying molecular genetic basis of ATS has enhanced both clinical care, and our understanding of the critical function of Kir2.1 on skeletal muscle excitability and cardiac action potentia

EVLA Observations of OH Masers in ON 1

This Letter reports on initial Expanded Very Large Array (EVLA) observations of the 6035 MHz masers in ON 1. The EVLA data are of good quality, lending confidence in the new receiver system. Nineteen maser features, including six Zeeman pairs, are detected. The overall distribution of 6035 MHz OH masers is similar to that of the 1665 MHz OH masers. The spatial resolution is sufficient to unambiguously determine that the magnetic field is strong (~ -10 mG) at the location of the blueshifted masers in the north, consistent with Zeeman splitting detected in 13441 MHz OH masers in the same velocity range. Left and right circularly polarized ground-state features dominate in different regions in the north of the source, which may be due to a combination of magnetic field and velocity gradients. The combined distribution of all OH masers toward the south is suggestive of a shock structure of the sort previously seen in W3(OH).Comment: 4 pages using emulateapj.cls including 2 tables and 2 color figure

Intumescent Coatings as Fire Retardants

Fire-retardant paint, when activated by the heat of fire, reacts to form a thick, low-density, polymeric coating or char layer. Water vapor and sulphur dioxide are released during the intumescent reaction

A New Estimate of the Cutoff Value in the Bak-Sneppen Model

We present evidence that the Bak-Sneppen model of evolution on $N$ vertices requires $N^3$ iterates to reach equilibrium. This is substantially more than previous authors suggested (on the order of $N^2$). Based on that estimate, we present a novel algorithm inspired by previous rank-driven analyses of the model allowing for direct simulation of the model with populations of up to $N = 25600$ for $2\cdot N^3$ iterations. These extensive simulations suggest a cutoff value of $x^* = 0.66692 \pm 0.00003$, a value slightly lower than previously estimated yet still distinctly above $2/3$. We also study how the cutoff values $x^*_N$ at finite $N$ approximate the conjectured value $x^*$ at $N=\infty$. Assuming $x^*_N-x^*_\infty \sim N^{-\nu}$, we find that $\nu=0.978\pm 0.025$, which is significantly lower than previous estimates ($\nu\approx 1.4$).Comment: 18 figures, 12 page

Orthopaedic nurses’ engagement in clinical research; an exploration of ideas, facilitators and challenges

Background: Previous international studies have identified individual and organisational barriers to nurses’ research utilisation, but there is little data reporting on nurses’ engagement in research design and/or delivery, particularly within the orthopaedic speciality. Aim: To explore orthopaedic nurses’ views regarding the research priorities for neuro-musculoskeletal care and the perceived barriers and facilitators associated with their engagement in the research process. Methods: A single centre mixed methods study (n=75) collected data via a survey and 14 focus group discussions. Findings: Our sample of clinical orthopaedic nurses showed little evidence of research engagement. Research priorities focused on 1. Understanding and improving patient and staff experiences 2. Improving processes, systems and workload models 3. Interventions to improve clinical outcomes. Key themes arising from the focus group discussion data were research activity, priorities and motivation, culture and leadership, and resources. Conclusion: Our findings suggest that there is still significant work to do build sufficient research capacity and capability within the nursing workforce. Key to success will be developing effective leaders, who can create a positive and supportive research culture across an organisation to strengthen the research voice of nursing, which will drive improvements in future care