In situ magnetoresistance measurements of ferromagnetic nanocontacts in the Lorentz transmission electron microscope

We report on in situ magnetoresistance measurements of a 30-nm-wide ferromagnetic nanocontact with simultaneous magnetic imaging in the Lorentz transmission electron microscope. The magnetoresistive measurements are correlated with the micromagnetic configuration of the sample. This allows us to assign characteristic features in the magnetoresistance curves to different magnetic configurations of the sample. From our experiments we can conclude that the micromagnetic configuration of the whole sample—not only the nanocontact region—has to be taken into account for the interpretation of magnetoresistive effects or hysteresis loops. Micromagnetic simulations were performed which confirm the experimental results

Design Requirements for Collaboration Processes to Increase Customer Trust in Mobile Banking Platforms

Banks expect the mobile channel to become more important for collaborating with customers. However, a lack of trust continues to prevent a faster dissemination of such mobile banking services, especially for the private banking customer segment. Hence, this paper discusses various determinants of trust and follows a theory-driven approach rooted in the collaboration engineering methodology. Grounded in the calculativebased, relational-based and institution-based views of trust, we derive the following design requirements for collaboration processes on mobile banking platforms: security, privacy, transparency, familiarity, social presence and normality. By validating these requirements with expert interviews, we contribute to existing theory by adding transparency as a design requirement for a collaboration process that fosters trust. Moreover, contrary to existing theory, we did not confirm familiarity as a requirement in this study

Mobile contactless payments adoption challenge in the complex network actor ecosystem

Mobile contactless payments (MCP) technology brings an important dual use dilemma where consumer adoption can be halted if consumer is not fully persuaded that the security risk behind the technology use is very low. Currently, although many projects on the implementation of MCP solutions have commenced, MCP is still not picking up. Why? To fill this research gap and better understand how security is affecting MCP implementation, we employ triangulation approach to understand if security is the main obstacle to further adoption and extension of MCP solution. The results reveal that consumer security is the crucial factor in a successful MCP implementation. Our result offers important and new insights for practitioners as it provides a security dimension to consider in the entire contactless payment ecosystem

Is an App Better than an Email? Developing Trust in a Mobile Financial Advisory Service - Design and Evaluation of a Prototype

Private banks see great potential in digital technologies for engaging with clients. Both practitioners and researchers believe that digital technologies, such as mobile applications, increase transparency in the advisory process and consequently raise trust, satisfaction and customer loyalty. This study proposes 5 design requirements (DR) for developing trust in a mobile financial advisory service. A first prototype was designed following the proposed DR. In addition, we conduct an experimental evaluation with 34 participants and compare the prototype with email communication. The findings provide mixed results on how a mobile application, designed according to the proposed DR, could increase trust and intention to use. With regard to overall satisfaction, the app was favored over email communication

Designing Tablet Banking Apps for High-Net-Worth Individuals: Specifying Customer Requirements with Prototyping

Private banks with high-net-worth customers see a great potential in mobile information technology to provide more transparency in the advisory process. Previous literature has mainly focused on gathering requirements with regard to mobile banking applications targeted for retail customers or with regard to advisory services in physical proximity. This paper focuses on an mFAS which is designed for the private banking customer segment and facilitates location-independent customer relationships on a tablet. Furthermore, we specify previously established requirements with the Requirements Abstraction Model. In this study, we evaluated the requirements with a focus group involving seven domain experts. The results of this workshop suggest that most of the specified requirements meet the recommended practice for requirements specification. However, the experts only partly agreed that the presented requirements meet the completeness criterion, which guides future research endeavors

USE OF WEB 2.0 TECHNOLOGY TO ENHANCE CUSTOMER RELATIONSHIPS

The broadening of Web 2.0 offerings opens up new opportunities and challenges to improve customer relationships. Customers can have an active voice, but this voice has to be carefully managed so as to create a lively dialog between customers and the company and to produce ultimately a win-win relationship. The panel discusses opportunities and challenges and shares experiences

X-ray magnetic linear dichroism as a probe for non-collinear magnetic state in ferrimagnetic single layer exchange bias systems

Ferrimagnetic alloys are extensively studied for their unique magnetic properties leading to possible applications in perpendicular magnetic recording, due to their deterministic ultrafast switching and heat assisted magnetic recording capabilities. On a prototype ferrimagnetic alloy we demonstrate fascinating properties that occur close to a critical temperature where the magnetization is vanishing, just as in an antiferromagnet. From the X-ray magnetic circular dichroism measurements, an anomalous 'wing shape' hysteresis loop is observed slightly above the compensation temperature. This bears the characteristics of an intrinsic exchange bias effect, referred to as atomic exchange bias. We further exploit the X-ray magnetic linear dichroism (XMLD) contrast for probing non-collinear states which allows us to discriminate between two main reversal mechanisms, namely perpendicular domain wall formation versus spin-flop transition. Ultimately, we analyze the elemental magnetic moments for the surface and the bulk parts, separately, which allows to identify in the phase diagram the temperature window where this effect takes place. Moreover, we suggests that this effect is a general phenomenon in ferrimagnetic thin films which may also contribue to the understanding of the mechanism behind the all optical switching effect.Comment: 20 pages, 9 figure

Using an OPEN UMS format for document flow formalization in medicine

The question about construction of medical documents by means of AURRORA MIS with the use of the Open UMS format is considered in the work. The approach suggested allows data storage in the electronic form suitable for generation of required statistical reports and different researches and preserves a possibility of correct data interpretation