Exploring the digitalization impact on consumer decision-making in retail banking

Retail banking has undergone a massive transformation in the last few years. A major aspect is changing consumer behavior. The aim of the paper is to better understand retail banking consumers regarding the impact of digitalization. Consequently, we acquired online consumer review data from Germany, the UK and US. We analyzed the data using coding techniques of grounded theory, supported by interdisciplinary literature to identify and categorize the relevant influence factors. The outcome of the paper is an integrated model of consumer decision-making in today’s retail banking along with four detailed partial models of the respective decision stages.     

Comparative Study on Selected Properties of Modified Polyurethane Foam with Fly Ash

The aim of the article is to compare two types of fly ash (from the fluidized and pulverized coal combustion process) as a filler for rigid polyurethane foam. Pulverized fly ash (PFA) is widely used in building materials, while fluidized fly ash (FFA) is not currently recycled, but landfilled. The produced rigid polyurethane foams were reinforced with 5 and 10% by weight addition of fly ash from two different types of boilers. The foaming process, physical properties, morphologies and thermal degradation were subject to comparative analysis. The research indicated that fly ash intensifies the reactions of foam synthesis, most commonly, polyurethane (PU) foam with an addition of 10% PFA. What is interesting is that both ashes can be used in PU foam technology as they do not cause deterioration of the physical parameters. As shown, the addition of filler affects the morphology and impairs the brittleness. Additionally, the use of fly ash from coal combustion in the technology of polyurethane materials complies with the guidelines of the circular economy stated in the European Union legislation. Partial replacement of petrochemical components with waste filler also reduces the total energy consumption in the production of PU composites.     

Design and analysis of an aging‐aware energy management system for islanded grids using mixed‐integer quadratic programming

The rapid increase of renewable energy sources made coordinated control of the distributed and intermittent generation units a more demanded task. Matching demand and supply is particularly challenging in islanded microgrids. In this study, we have demonstrated a mixed‐integer quadratic programming (MIQP) method to achieve efficient use of sources within an islanded microgrid. A unique objective function involving fuel consumption of diesel generator, degradation in a lithium‐ion battery energy storage system, carbon emissions, load shifting, and curtailment of the renewable sources is constructed, and an optimal operating point is pursued using the MIQP approach. A systematic and extensive methodology for building the objective function is given in a sequential and explicit manner with an emphasis on a novel model‐based battery aging formulation. Performance of the designed system and a sensitivity analysis of resulting battery dispatch, diesel generator usage, and storage aging against a range of optimization parameters are presented by considering real‐world specifications of the Semakau Island, an island in the vicinity of Singapore.     

Real-time imaging of astrocyte response to quantum dots: in vivo screening model system for biocompatibility of nanoparticles

Astrocytes are the principle macroglial brain cells. They are activated by different stressors and brain injuries. Quantum dots (QDs) can cause oxidative stress. This study shows a real-time imaging of primary cortical cultures and assessment of QD-induced activation of astrocytes in the brains of transgenic mice with the luciferase gene driven by the murine astrocyte promoter. This approach may be widely applicable for assessing the astroglia/tissue response to nanoparticles in live animals.     

Polymers containing formamidine groups

Summary New aromatic polymers containing formamidine groups were prepared by high temperature solution polycondensation of triethyl orthoformate with various aromatic diamines. The resulting polyformamidines were characterized by elemental analysis, IR' and ¹H NMR spectroscopy, viscosity measurements, thermogravimetry, DSC- and WAXS measurements. With few exceptions aromatic polyformamidines show excellent solubility in polar solvents and strong acids, but they were gradually decomposed in extended contact with moisture. Polyformamidines containing rigid para structures are well crystallizing materials, which was proved by WAXS investigations. Glass transition temperatures in the range of 62 – 163°C were observed for semicrystalline or amorphous polymers. All aromatic polyformamidines are thermally stable in nitrogen up to 300°C.     

Numerical Simulation of the Head/Disk Interface for Patterned Media

The use of patterned media is a new approach proposed to extend the recording densities of hard disk drives beyond 1 Tb/in.². Bit-patterned media (BPM) overcome the thermal stability problems of conventional media by using single-domain islands for each bit of recorded information, thereby eliminating the magnetic transition noise (Albrecht et al., Magnetic Recording on Patterned Media, 2003). Considering steady state conditions, we have transferred the pattern from the disk surface onto the slider surface and have investigated the pressure generation due to the bit pattern. To reduce the numerical complexity, we have generated the bit pattern only in the areas of the slider near the trailing edge, where the spacing is small. Cylindrical protrusions were modeled using very small mesh size on the order of nanometers to obtain the flying characteristics for the entire slider air bearing surface (ABS) using the “CMRR” finite element Reynolds equation simulator (Duwensee et al., Microsyst Technol, 2006; Wahl et al., STLE Tribol Trans, 39(1), 1996). The effect of pattern height, pattern diameter, slider skew angle, and slider pitch angle on flying height of a typical slider is investigated. Numerical results show that the flying height decreases for a patterned slider and the change in flying height is a function of the pattern height and ratio of the pattern diameter to the pattern pitch. In comparison to discrete track media, the flying height loss is larger for a patterned slider disk interface for the same recessed area of pattern.