E–banking in Poland as a modern form of managing a bank account

E-banking is one of the fastest growing banking segments in Poland. It is caused by the rapid evolution of the Internet as well as telecommunication and IT technologies. However, it still remains a relatively new form of managing a bank account and the channel of distribution of banking services and products. The aim of the research was the presentation of e-banking as a modern and effective form of managing a bank account. An Internet questionnaire was used to conduct the research. E-banking services in Poland were the area of the research. Taking into account the material gathered in the research, it has been noticed that e-banking brings low maintenance costs, availability and convenience. In the course of time more and more bank clients will be choosing this form of managing an account, as it is gaining more positive recommendations of the target customers. It will probably become the only form of banking in the near future

Intellectual capital in the knowledge-based economy

The considerations provided herein focus on intellectual capital as a concept that is gaining increasing significance in the functioning of business and public entities in the era of the knowledge-based economy. This paper aims to identify differences in the meaning and measurement of intellectual capital in the private and public sectors. In the light of the growing interest, triggered by marketisation, in the implementation of business solutions in the public sector, this paper provides the characteristics and comparative analysis, including differences in the use, of intellectual capital in both sectors. Regarding the public sector, the paper also points out potential advantages that reveal themselves, in particular, in relation to a change in the existing public administration officer and authority models that is based on the practice of business orientation towards the needs of a client in the process of providing public services

Sensory marketing and customers’ decisions on the food market

The main purpose of this paper is to make an attempt to present the influence of sensory marketing on buyer’s buying behavior. The paper covers the topic regarding the theory of influence of individual senses on buyer’s behavior. Sight is the most used sense in sensory marketing. The first way of brand’s identification is through colors, shapes, and lights. When the light is natural or softened customers spend more time in one place, but when light is an intensive customer become more dynamic. Sound is also important for sensory marketing users. Taste is often used when companies offer free-tasting promotional operations. Companies take emotions spared off by touch during the conditioning of the product or its conception. Sensory marketing is a deep and effective concept

Veränderung der Nutzungseignung der Jungmoränenlandschaft Nordpommernsam Beispiel des Einzugsgebietes der Struga Lesna (Waldbach)

On the example of the catchment area of Struga Lesna (Waldbach) the changes inland use suitability over more than one century are shown. Basically, the negative influences on agricultural site quality are caused by human impacts over a long time period since Neolithic Age. The anthropogenic shift of the soil and landscape factors has to be classified currently as persistent in the northern young moraine area of Pomerania

Trends in Child Health Insurance Coverage: A Local Perspective

Background: Over the past decade, the percentage of Americans with access to employer-sponsored insurance (ESI) has declined. Dependents, specifically children, are the most likely to bear the burden of lost coverage. Objectives: The objectives of this study were to 1) describe trends in children’s health insurance taking into account the heterogeneity across different sub-populations and 2) assess the associations between individual, local (offers of ESI), and supply side (proximity to safety net hospitals) characteristics and children’s health insurance. Methods: We analyzed locally collected survey data for children living in the 12 counties of greater Houston, Texas (years 2003, 2006, 2008, 2011). For each year, telephone interviews were conducted with caregivers through random digit dialing. Among households with at least one employed caregiver (N=2,508), we performed an adjusted multinomial logistic regression analysis to evaluate the odds of being publicly insured or uninsured, with the option for ESI and proximity to a public hospital as primary independent variables. Results: Low-income and racial/ethnic minority children experienced the largest increases in coverage through public insurance. Children in households without the option for ESI had higher odds (Odds ratio 10.87, 95% confidence interval 7.31-16.17) of being publicly insured or uninsured (Odds ratio 9.50, 95% confidence interval 6.14-14.70) compared to those in households with the option for ESI. Proximity to a public hospital was not associated with being uninsured. Conclusions: As the availability of ESI has declined, public insurance has acted as a safety net for low-income and minority children. While access to free care plays an important role, it may not substitute for insurance coverage

Changes in Sexual Roles and Quality of Life for Gay Men after Prostate Cancer: Challenges for Sexual Health Providers

Introduction Gay men with prostate cancer ( GMPCa ) may have differential health‐related quality of life ( HRQOL ) and sexual health outcomes than heterosexual men with prostate cancer ( PCa ), but existing information is based on clinical experience and small studies. Aims Our goals were to: (i) describe HRQOL and examine changes in sexual functioning and bother; (ii) explore the psychosocial aspects of sexual health after PCa ; and (iii) examine whether there were significant differences on HRQOL and sexual behavior between GMPCa and published norms. Methods A convenience sample of GMPCa completed validated disease‐specific and general measures of HRQOL , ejaculatory function and bother, fear of cancer recurrence, and satisfaction with prostate cancer care. Measures of self‐efficacy for PCa management, illness intrusiveness, and disclosure of sexual orientation were also completed. Where possible, scores were compared against published norms. Main Outcome Measures Main outcome measures were self‐reported sexual functioning and bother on the E xpanded P rostate C ancer I ndex. Results Compared with norms, GMPCa reported significantly worse functioning and more severe bother scores on urinary, bowel, hormonal symptom scales ( P s < 0.015–0.0001), worse mental health functioning ( P  < 0.0001), greater fear of cancer recurrence ( P  < 0.0001), and were more dissatisfied with their PCa medical care. However, GMPCa reported better sexual functioning scores ( P  < 0.002) compared with norms. Many of the observed differences met criteria for clinical significance. Physical functioning HRQOL and sexual bother scores were similar to that of published samples. GMPCa tended to be more “out” about their sexual orientation than other samples of gay men. Conclusions GMPCa reported substantial changes in sexual functioning after PCa treatment. They also reported significantly worse disease‐specific and general HRQOL , fear of recurrence, and were less satisfied with their medical care than other published PCa samples. Sexual health providers must have an awareness of the unique functional and HRQOL differences between gay and heterosexual men with PCa. Hart TL, Coon DW, Kowalkowski MA, Zhang K, Hersom JI, Goltz HH, Wittmann DA, and Latini DM. Changes in sexual roles and quality of life for gay men after prostate cancer: Challenges for sexual health providers. J Sex Med 2014;11:2308–2317.Peer Reviewedhttp://deepblue.lib.umich.edu/bitstream/2027.42/108360/1/jsm12598.pd

Business models in servitization

This chapter sheds light on the different business models of manufacturing companies that have servitized their business operations. This chapter presents four distinctive yet simultaneously pursued business models for servitized manufacturers: (1) the product business model, (2) the service-agreement business model (3) the process-oriented business model, and (4) the performance-oriented business model. Depending on the direction taken, dedicated customer needs targeted, value propositions adopted, and services and solutions provided, a servitized manufacturer should decide which business model(s) the firm will adopt with different customers.fi=vertaisarvioitu|en=peerReviewed

Do practicing clinicians agree with expert ratings of neonatal intensive care unit quality measures?

To assess the level of agreement when selecting quality measures for inclusion in a composite index of neonatal intensive care quality (Baby-MONITOR) between two panels: one comprised of academic researchers (Delphi) and another comprised of academic and clinical neonatologists (Clinician)

Partition-Induced Vector Chromatography in Microfluidic Devices

The transport of Brownian particles in a slit geometry in the presence of an arbitrary two-dimensional periodic energy landscape and driven by an external force or convected by a flow field is investigated by means of macrotransport theory. Analytical expressions for the probability distribution and the average migration angle of the particles are obtained under the Fick-Jackobs approximation. The migration angle is shown to differ from the orientation angle of the driving field and to strongly depend on the physical properties of the suspended species, thus providing the basis for vector chormatography, in which different species move in different directions and can be continuously fractionated. The potential of microfluidic devices as a platform for partition-induced vector chromatography is demonstrated by considering the particular case of a piece-wise constant, periodic potential that, in equilibrium, induces the spontaneous partition of different species into high and low concentration stripes, and which can be easily fabricated by patterning physically or chemically one of the surfaces of a channel. The feasibility to separate different particles of the same and different size is shown for systems in which partition is induced via 1g-gravity and Van der Waals interactions in physically and chemically patterned channels, respectively