Trust in client-service provider relationships

In the age of rapidly changing and competitive environments, companies are forced to build strong and long-lasting relationships with their customers. Over the last decades, marketing theory and practice developed a plethora of attempts to describe relevant factors, underlying correlations and complex constructs, explaining the relationship between buyer and seller. For several disciplines, which are part of, describe or influence the relationship between buyer and seller such as a) marketing, b) customer purchase behaviour and c) sales management and personal selling, it appears that trust has a strong impact and therefore is an important variable for building long-lasting relationships. Although there is an extensive source of literature available on appropriate response to trust and its influence on buyer seller relationships, few of these writings contain guidance specifically related to financial services. The objectives of this study are I) to determine general differences regarding the impact of trust in a finance and insurance advice setting, ii) to determine difference of the general importance of trust towards three dimensions, iii) to analyse through which antecedents client-trust is build towards these three dimensions and iv) to identify the role of trust in future interactions between a financial service company and its clients. To achieve these objectives, quantitative research was undertaken in Germany by conducting a mail survey to 1.394 existing clients of an independent financial advisory institution. The phases of research cover a broad literature review combined with informal background research to identify variables that build trustlinvoke the trust building process to examine differences and/or additional variables to the descriptions in the literature. Prospective clients seem to generally support variables provided by the literature findings. The main research phase involves a mail survey to 1.394 existing clients with 321 responses. It is aimed at identifying relevant answers to the issues i)-iv) as described above. The results of the mail survey suggest differences between different client segments according to e. g. their educational background as well as their stage on the life cycle of financial services. Additionally, to validate the empirical findings, interviews were performed with 20 independent financial advisors which are aimed at identifying relevant answers to the above mentioned issues ii)-iv) from an advisor's point of view. The results suggest differences within the group of advisors according to e. g. demographic criteria. The results indicate that trust seems to be an important factor for the relationship between client, advisor and financial service provider.N evertheless,d ifferencesc oncerningt he influenceo f trust on the interpersonal relationship between the client and the financial advisor as well as its influence on the organisational relationship between client and financial service organisation can be observed and have to be addressed in the future. Moreover, also the differences related to the relevance of trust for the internal relationship between the financial service advisor and its organisation needs further attention. A framework of three dimensions of relationship marketing activities is introduced which may assist financial service companies to Implement a trust based relationship marketing approach. This should cover 1) an internal relationship marketing dimension, ii) an external relationship marketing dimension and iii) an interactive relationship marketing dimension. As a result, the company should become more trustworthya nd further more be enabledt o build strongerr elationshipsw ith their clients.Finanzund Versicherungsmakler GmbH, MOnster Str. 111,48155 MOnster, German

Spatio-temporal patterns and dynamics of net primary productivity for Kazakhstan

Monitoring of net primary productivity (NPP) is especially important for the fragile ecosystems in arid and semi-arid regions. Great interest exists in observing large-scale vegetation dynamics and understanding spatial and temporal patterns of NPP in these areas. In this study we present results of NPP obtained with the model BETHY/DLR for Kazakhstan for 2003-2011 and its spatial and temporal dynamics. The spatial distribution of vegetation productivity shows a gradient from North to South and clear differences between individual vegetation classes. The monthly NPP values show the highest productivity in June. Differences between rain-fed and irrigated areas indicate the dependency on water availability. Annual NPP variability was high for agricultural areas, but showed low values for natural vegetation. The analysis of different patterns in vegetation productivity provides valuable information for the identification of regions that are vulnerable to a possible climate change. This information may thus substantially support a sustainable land management

Dynamic variation of the microbial community structure during the long-time mono-fermentation of maize and sugar beet silage

This study investigated the development of the microbial community during a long-term (337 days) anaerobic digestion of maize and sugar beet silage, two feedstocks that significantly differ in their chemical composition. For the characterization of the microbial dynamics, the community profiling method terminal restriction fragment length polymorphism (TRFLP) in combination with a cloning-sequencing approach was applied. Our results revealed a specific adaptation of the microbial community to the supplied feedstocks. Based on the high amount of complex compounds, the anaerobic conversion rate of maize silage was slightly lower compared with the sugar beet silage. It was demonstrated that members from the phylum Bacteroidetes are mainly involved in the degradation of low molecular weight substances such as sugar, ethanol and acetate, the main compounds of the sugar beet silage. It was further shown that species of the genus Methanosaeta are highly sensitive against sudden stress situations such as a strong decrease in the ammonium nitrogen (NH4+-N) concentration or a drop of the pH value. In both cases, a functional compensation by members of the genera Methanoculleus and/or Methanosarcina was detected. However, the overall biomass conversion of both feedstocks proceeded efficiently as a steady state between acid production and consumption was recorded, which further resulted in an equal biogas yield.DFG, KL 2069/3-

Significance of patient categorization for perioperative management of children with tetralogy of Fallot, with special regard to co-existing malformations

Background: The aim of our study was to facilitate perioperative calculation of potential risk factors on the outcome of corrective surgery for children with tetralogy of Fallot. Methods: The medical records of 81 (44 female and 37 male) out of a total of 87 patients undergoing complete surgical repair of tetralogy of Fallot between 1988 and 2004 at the Children’s Hospital of the Johannes Gutenberg University of Mainz were reviewed. Patients were divided into four categories, depending on the severity of pulmonary stenosis and cyanosis, as well as on the type of pulmonary circulation. Results: Additional malformations did not affect mortality rates, but did directly affect the number of pleural effusions, time of epinephrine administration, duration of surgery, bypass, and ischemia, as well as length of hospitalization and intensive care unit treatment. In contrast to longer periods of extracorporeal circulation and ischemia during surgery, which are directly related not only to more complex anatomical situations but also to higher mortality and complication rates, the much-debated question of age at surgery had no influence either on the surgical approach itself or on the post-operative outcome. Conclusions: Our patient categorization, and evaluation of potential pre-operative risk factors and intraoperative parameters, should prove useful for the future planning and execution of therapeutic procedures in institutions around the world. (Cardiol J 2010; 17, 1: 20-28

A Tunable Strain Sensor Using Nanogranular Metals

This paper introduces a new methodology for the fabrication of strain-sensor elements for MEMS and NEMS applications based on the tunneling effect in nano-granular metals. The strain-sensor elements are prepared by the maskless lithography technique of focused electron-beam-induced deposition (FEBID) employing the precursor trimethylmethylcyclopentadienyl platinum [MeCpPt(Me)3]. We use a cantilever-based deflection technique to determine the sensitivity (gauge factor) of the sensor element. We find that its sensitivity depends on the electrical conductivity and can be continuously tuned, either by the thickness of the deposit or by electron-beam irradiation leading to a distinct maximum in the sensitivity. This maximum finds a theoretical rationale in recent advances in the understanding of electronic charge transport in nano-granular metals

Die Tierwelt der Bergbaufolgelandschaften

Bei den im Rahmen des Forschungsverbundes erfolgten faunistischen Untersuchungen stand die Charakterisierung der unterschiedlichen, vor allem aber der wertvollen Biotoptypen der Braunkohlenfolgelandschaft mit Hilfe der dort lebenden Tierarten bzw. Artengemeinschaften im Vordergrund. Es wurden Tiergruppen bearbeitet, die zum einen ein hohes indikatorisches Potential besitzen, zum anderen unterschiedliche ökologische Hierachieebenen repräsentieren. Eine Auswertung der Ergebnisse erfolgte zumeist auf der Ebene der Biotoptypengruppen (siehe Heyde; Jakob; Köck; Reuter im gleichen Heft)

Cross-linking of DNA through HMGA1 suggests a DNA scaffold

Binding of proteins to DNA is usually considered 1D with one protein bound to one DNA molecule. In principle, proteins with multiple DNA binding domains could also bind to and thereby cross-link different DNA molecules. We have investigated this possibility using high-mobility group A1 (HMGA1) proteins, which are architectural elements of chromatin and are involved in the regulation of multiple DNA-dependent processes. Using direct stochastic optical reconstruction microscopy (dSTORM), we could show that overexpression of HMGA1a-eGFP in Cos-7 cells leads to chromatin aggregation. To investigate if HMGA1a is directly responsible for this chromatin compaction we developed a DNA cross-linking assay. We were able to show for the first time that HMGA1a can cross-link DNA directly. Detailed analysis using point mutated proteins revealed a novel DNA cross-linking domain. Electron microscopy indicates that HMGA1 proteins are able to create DNA loops and supercoils in linearized DNA confirming the cross-linking ability of HMGA1a. This capacity has profound implications for the spatial organization of DNA in the cell nucleus and suggests cross-linking activities for additional nuclear proteins