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)

Peptide-directed crystal growth modification in the formation of ZnO

Biomolecule-mediated synthesis is fascinating in terms of the level of control and the intricate hierarchical structures of the materials that can be produced. In this study we compare the behavior of a phage display identified peptide, EAHVMHKVAPRP (EM-12) with that of a mutant peptide EAHVCHKVAPRP (EC-12), having additional complexation capability, on the formation of ZnO from solution. The synthesis conditions (Zn(CH3COO)2–NH3 hydrothermal method at 50 °C) were chosen to generate rod-shaped ZnO via layered basic zinc salts (LBZs) as intermediates. Both peptides affected the crystal formation process by moderating the amount of Zn2+ ions in solution (EC12 having a greater effect than EM12) but only EC12 was shown to interact with the solid phase(s) formed during the reaction. Depending on the peptide concentration used, EM-12 was shown to delay and/or suppress ZnO formation. In contrast, additions of EC-12, although leading to the retention of higher levels of Zn2+ ions in solution did not similarly delay the transformation of the intermediate phases to ZnO but were found to dramatically modify the morphology of ZnO crystallites with mushroom shaped crystals being formed. From the results of detailed materials characterization and changes in the morphology observed, the interactions between the peptide(s) and solution and solid state species present during the process of ZnO crystal formation in the presence of EM-12 and EC-12 are proposed

Thermodynamic instability of rotating black holes

We show that the quasi-Euclidean sections of various rotating black holes in different dimensions possess at least one non-conformal negative mode when thermodynamic instabilities are expected. The boundary conditions of fixed induced metric correspond to the partition function of the grand-canonical ensemble. Indeed, in the asymptotically flat cases, we find that a negative mode persists even if the specific heat at constant angular momenta is positive, since the stability in this ensemble also requires the positivity of the isothermal momentum of inertia. We focus in particular on Kerr black holes, on Myers-Perry black holes in five and six dimensions, and on the Emparan-Reall black ring solution. We go on further to consider the richer case of the asymptotically AdS Kerr black hole in four dimensions, where thermodynamic stability is expected for a large enough cosmological constant. The results are consistent with previous findings in the non-rotation limit and support the use of quasi-Euclidean instantons to construct gravitational partition functions

Asymptotic Gravitational Charges

We present a method for finding, in principle, all asymptotic gravitational charges. The basic idea is that one must consider all possible contributions to the action that do not affect the equations of motion for the theory of interest; such terms include topological terms. As a result we observe that the first order formalism is best suited to an analysis of asymptotic charges. In particular, this method can be used to provide a Hamiltonian derivation of recently found dual charges.Comment: 5 page

Black hole entropy and soft hair

Abstract A set of infinitesimal Virasoro L ⊗ Virasoro R diffeomorphisms are presented which act non-trivially on the horizon of a generic Kerr black hole with spin J. The covariant phase space formalism provides a formula for the Virasoro charges as surface integrals on the horizon. Integrability and associativity of the charge algebra are shown to require the inclusion of ‘Wald-Zoupas’ counterterms. A counterterm satisfying the known consistency requirement is constructed and yields central charges c L = c R = 12J. Assuming the existence of a quantum Hilbert space on which these charges generate the symmetries, as well as the applicability of the Cardy formula, the central charges reproduce the macroscopic area-entropy law for generic Kerr black holes.</jats:p

Participatory prototyping to inform the development of a remote UX design system in the automotive domain

This study reports on the empirical findings of participatory design workshops for the development of a supportive automotive user experience design system. Identifying and addressing this area with traditional research methods is problematic due to the different user experience (UX) design perspectives that might conflict and the related limitations of the automotive domain. To help resolve this problem, we conducted research with 12 user experience (UX) designers through individual participatory prototyping activities to gain insights into their explicit, observable, tacit and latent needs. These activities allowed us to explore their motivation to use different technologies; the system’s architecture; detailed features of interactivity; and to describe user needs including efficiency, effectiveness, engagement, naturalness, ease of use, information retrieval, self-image awareness, politeness, and flexibility. Our analysis led us to design implications that translate participants’ needs into UX design goals, informing practitioners on how to develop relevant systems further.S.T. received a bursary by Brunel University London as part of the Jaguar Land Rover funded Automotive Habitat Lab project (Research Code R33240)

Clinical and instrumental evaluation of Botulinum Toxin type A safety profile in post stroke spasticity rehabilitation treatment

Post stroke spasticity (PSS) occurs approximately in 30% of stroke survivors. Spasticity varies from a subtle neurological sign to a gross increase in tone causing immobility of joints. PSS is associated with several complications, increasing care needs and utilisation of healthcare resources. Botulinum toxin type A (BoNT-A) has been considered as an effective and safe treatment for focal spasticity in stroke survivors, with low prevalence of complications, reversibility of effect, and efficacy in reducing spastic hypertonia. Recent studies estimated that a significant percentage of patients affected by PSS could benefit from higher doses than those permitted by current country directives. However, at present time, there is no general consensus on the maximum dose of BoNT-A in terms of safety and clinical interchangeability among the three commercially approved products (abobotulinumtoxinA, onabotulinumtoxinA, incobotulinumtoxinA). In light of these considerations, the aim of this thesis is to investigate the safety profile of BoNT-A high doses in the treatment of post stroke spasticity. In our research activity we investigated the clinical effect of this treatment in severely affected patients, focusing on both clinical and instrumental assessment of systemic effects of BoNT-A

Intracellular pathways involved in bone regeneration triggered by recombinant silk-silica chimeras

Biomineralization at the organic-inorganic interface is critical to many biology material functions in vitro and in vivo. Recombinant silk-silica fusion peptides are organic-inorganic hybrid material systems that can be effectively used to study and control biologically-mediated mineralization due to the genetic basis of sequence control. However, to date, the mechanisms by which these functionalized silk-silica proteins trigger the differentiation of human mesenchymal stem cells (hMSCs) to osteoblasts remain unknown. To address this challenge, we analyzed silk-silica surfaces for silica-hMSC receptor binding and activation, and the intracellular pathways involved in the induction of osteogenesis on these bioengineered biomaterials. The induction of gene expression of αVβ3 integrin, all three Mitogen-activated Protein Kinsases (MAPKs) as well as c-Jun, Runt-related Transcription Factor 2 (Runx2) and osteoblast marker genes was demonstrated upon growth of the hMSCs on the silk-silica materials. This induction of key markers of osteogenesis correlated with the content of silica on the materials. Moreover, computational simulations were performed for silk/silica-integrin binding which showed activation of αVβ3 integrin in contact with silica. This integrated computational and experimental approach provides insight into interactions that regulate osteogenesis towards more efficient biomaterial designs

Hamiltonian derivation of dual gravitational charges

Abstract We provide a Hamiltonian derivation of recently discovered dual BMS charges. In order to do so, we work in the first order formalism and add to the usual Palatini action, the Holst term, which does not contribute to the equations of motion. We give a method for finding the leading order integrable dual charges à la Wald-Zoupas and construct the corresponding charge algebra. We argue that in the presence of fermions, the relevant term that leads to dual charges is the topological Nieh-Yan term.</jats:p

Postsynthetic modification of phenylalanine containing peptides by C–H functionalization

New methods for peptide modification are in high demand in drug discovery, chemical biology, and materials chemistry; methods that modify natural peptides are particularly attractive. A Pd-catalyzed, C–H functionalization protocol for the olefination of phenylalanine residues in peptides is reported, which is compatible with common amino acid protecting groups, and the scope of the styrene reaction partner is broad. Bidentate coordination of the peptide to the catalyst appears crucial for the success of the reaction