Miracle-dz/UniFAR-FTUs huggingface dataset:
Information technology in the banking sector: Review of mobile banking

This paper is written to state the advantages and disadvantages, the different models to test the effects of individual’s intention to adopt mobile banking, the different technologies that are being implemented currently by banks and what the future holds for mobile banking. Information Technology (IT) has evolved over time and has changed the way business is conducted. The way people conduct business has been made easier and more efficient. IT has opened many doors for new technologies that are used within business and for individual use; the Banking sector is of no exception. Mobile banking is the fastest growing channel of banking as a result few people are walking into bank branches nowadays. Banks now need to remain relevant by catering to the needs and expectations of the customers and to the technology advancements. By providing better services and products customers are able to utilise. The role of IT in the banking sector can be divided into two categories: Communication and connectivity, and individual and business transactions. IT enables for sophisticated products to be developed with better frameworks, execution of dependable strategies and help with communication so to connect with people from different countries, businesses across the globe, geographical distance and diverse markets. Keywords: mobile banking, information technology, it, mobile banking adoption, mobile banking application, mobile payment
Chemical mediation of mutualistic interactions between macroalgae and mesograzers structure unique coastal communities along the western Antarctic Peninsula

Hard bottom communities along the western Antarctic Peninsula region are dominated by thick macroalgal forests, which support high densities of mesograzers, particularly amphipods, and also numerous gastropods. The macroalgae are chemically defended from consumption by the mesograzers and other herbivores and they provide the mesograzers a chemically defended refuge from predation by omnivorous fish. The macroalgae benefit in return because the mesograzers remove epiphytic algae from them. Since these two assemblages are major components of the community, this can be viewed as a community‐wide mutualism. Most subcomponents of these interactions have also been documented in lower latitude communities and the similarities and differences between the communities in Antarctica and in other regions are discussed.
Shuttling of CTP:Phosphocholine Cytidylyltransferase between the Nucleus and Endoplasmic Reticulum Accompanies the Wave of Phosphatidylcholine Synthesis during the G0 → G1 Transition*

The transition from quiescence (G0) into the cell division cycle is marked by accelerated phospholipid turnover. We examined the rates of phosphatidylcholine (PC) synthesis and the activity, membrane affinity, and intracellular localization of the rate-limiting enzyme in the synthesis of PC, CTP:phosphocholine cytidylyltransferase (CT) during this transition. The addition of serum to quiescent IIC9 fibroblasts resulted in a wave of PC synthesis beginning at ∼10 min, peaking at ∼3 h with a >10-fold increase in rate, and declining to near basal rates by 10 h. CT activity, monitored in situ, was elevated ∼3-fold between 1 and 2 h postserum. Neither CT mass nor its phosphorylation state changed during the surge in PC synthesis and CT activity. On the other hand, the ratio of particulate/soluble CT surged and then receded in concert with the wave of PC synthesis. During quiescence, CT was confined to the nucleus, as assessed by indirect immunofluorescence. Within 10 min after serum stimulation, a portion of the CT fluorescence appeared in the cytoplasm, where it intensified until ∼4 h postserum. Thereafter, the cytoplasmic CT signal waned, while the nuclear signal increased, and by 8 h CT was once again predominantly nuclear. The dynamics of CT’s apparent translocation in and out of the nucleus paralleled the wave of PC synthesis and the solubility changes of CT. Cytoplasmic CT co-localized with BiP, a resident endoplasmic reticulum protein, in a double labeling experiment. These data suggest that the wave of PC synthesis that accompanies the G0 → G1 transition is regulated by the coordinated changes in CT activity, membrane affinity, and intracellular distribution. We describe for the first time a redistribution of CT from the nucleus to the ER that correlates with an activation of the enzyme. We propose that this movement is required for the stimulation of PC synthesis during entry into the cell cycle.
Relationship selling and customer loyalty: an empirical investigation

Examines how customers’ loyalty is influenced by their relationship with the firm at two distinct levels: the specific relationship customers have with their salesperson; and the overall relationship customers have with the firm. The findings highlight the importance of strong customer‐salesperson relationships in the development of customers’ overall evaluations of the supplier firm. Furthermore, both types of relationship were found to impact positively on the probability of customers exhibiting behavioral loyalty.
Fixation disparity at different viewing distances of a visual display unit

Fixation disparity was measured while subjects observed a realistic alphanumeric pattern on the cathode ray tube (CRT) of a visual display unit at viewing distances of 25–85 cm. The psychometric function of fixation disparity was determined by analysing the observers' responses to a series of short (100 ms) flashes of nonius targets that were superimposed on the CRT‐image by means of a half‐silvered mirror. Test‐retest correlation of fixation disparity was high (r= 0.8) at viewing distances of 40 and 82 cm and lower (r= 0.55) at the shorter distance of 26.5 cm. Mean fixation disparity increased to a more exophoric condition as the display approached the eyes. However, this effect was observed only in some of the subjects. so the susceptibility of fixation disparity to viewing distance appears to be an individual characteristic. When subjects observed the VDU screen continuously for 30min at viewing distances of 85, 47. 31 and 25cm in different sessions, fixation disparity and accommodation remained unchanged over time.
Studies on the Hatching Enzyme (Choriolysin) and Its Substrate, Egg Envelope, Constructed of the Precursors (Choriogenins) in Oryzias latipes: A Sequel to the Information in 1991/1992

Abstract Enzymatic hatching of fish embryos is caused by a sequential occurrence of many elementary processes from the commitment of the hatching gland cells to the emergence of the embryos. Molecular biological approaches to the formation, properties and function of the hatching enzyme should be required for elucidation of the enzymatic hatching, since this enzyme is a key molecule to analyze these processes. Besides them, there are some other processes indirectly related to hatching, e.g., formation and hardening of the egg envelope. The present article describes the results of our studies on some of the above-mentioned problems in the fish, Oryzias latipes, which have been obtained mostly in the early 1990s.
Some Economic Policy Issues Inherent in the Operations of Reits

There are significant economic policy issues inherent in the use of REITs, and in operations of some companies that own substantial commercial real estate. This article identifies and analyses these issues and develops relevant theories about why REITs are inefficient and should be eliminated or modified substantially. The theories introduced in this article also apply to publicly traded companies that own substantial commercial real estate such as retailing chains, restaurant chains, hotel companies, and large healthcare companies
Influence of Working Conditions on Satisfaction and Loyalty of Quebec Agency Nurses

In recent years, the attractiveness of temporary placement agencies for nurses has grown significantly. In a labour scarcity context, it is worth exploring the motivations that encourage nurses to choose temporary work and remain loyal to their agency. Building on the classification of Tan and Tan (2002), four sources of motivation were explored: individual or family incentives, economic incentives, professional motivations and personal preferences. Regarding family motivations, this study was mainly interested in the role of flexible working conditions offered by placement agencies. Concerning economic motivations, we examined the influence of pay conditions. Our investigation of professional motivations centered on agency nurses’ opportunities for skills development. Finally, the role of personal preferences was explored via workload. The results of our study, conducted on two samples, one of 500 nurses working in nursing agencies in Quebec and the other of 99 nurses from two agencies, showed that family and professional development motivations had a positive influence on agency nurses’ satisfaction. In contrast, their loyalty is more closely related to the need for flexible hours, training and skills development, job security and the possibility of choosing one’s assignments. Good salary conditions are not sufficient. Nurses who choose temporary work are motivated by more than a quest for better economic conditions. They also want greater freedom of choice and selfdetermination, and more opportunities for professional development.
Association Between Clinical Nurse Specialist’s Presence and Open Visitation in US Intensive Care Units

Background: Current evidence shows that an open visitation policy can benefit patients and families during intensive care unit (ICU) stays. Therefore, an unrestricted visitation policy in the ICU has been proposed as part of patient-centered care. Purpose: The purpose of this secondary analysis is to explore the likelihood of an ICU with a clinical nurse specialist (CNS) having an open visitation policy when compared with an ICU without a CNS. Design: This is a secondary analysis of a survey conducted between 2008 and 2009, describing the ICU visitation practices in more than 600 hospitals across the United States. Methods: &khgr;2 Analysis was performed comparing the presence of CNS in the ICU with visitation policies, with P < 0.05 considered statistically significant. Results: There were data from 347 hospitals used in the analysis, with 47 hospitals (13.5%) having open visitation policies. There were 108 hospitals (31%) that had a CNS present in the ICU; 14 of the hospitals (13%) had open visitation policies. No significant correlation was found between a CNS being present in the ICU and open visitation policy (odds ratio, 0.93; P = .83), regardless of hospital geographic regions. Conclusions: Although CNS presence was not associated with open visitation in this study, given the strong evidence to support the benefits to patients and the CNS role as a change agent in the hospital system, liberalization of visitation in the ICU is an area that could benefit from CNS advocacy.
CHAPTER 9 Cardiac involvement in sarcoidosis

Sarcoidosis is a systemic disease of unknown aetiology characterised by the formation of noncaseating epitheloid cell granulomas, which can occur in virtually any organ. Cardiac involvement is of critical importance, due to the poor prognosis if this organ manifestation is left undiagnosed and untreated. Early initiation of therapy seems to be associated with a good prognosis; therefore, the diagnosis of cardiac sarcoidosis should be made before irreversible damage has occurred. Nevertheless, the diagnosis of cardiac sarcoidosis still remains "an imperfect science, a hesitant art" [1].
Intron 1 CA dinucleotide repeat polymorphism and mutations of epidermal growth factor receptor and gefitinib responsiveness in non-small-cell lung cancer

Objective Limited availability of tumoral tissue in non-small-cell lung cancer and presence of epidermal growth factor receptor mutation-independent responses call for investigation of other molecular predictive marker of gefitinib responsiveness. Therefore, CA repeat polymorphism in intron 1 was analyzed for its association with gefitinib responsiveness together with epidermal growth factor receptor mutation in Korean patients. Patients and methods For 86 advanced non-small-cell lung cancer patients treated with gefitinib, epidermal growth factor receptor mutation was analyzed by direct sequencing (exons 18–21) from tumor tissue and CA repeat polymorphism was assessed by fragment length analysis from tumor and/or normal tissue. Results CA repeat status was identical in 33 patients with matched tumor and normal tissue. CA repeat was low (sum of both alleles ≤37) in 40 (46.5%) and high (sum ≥38) in 46 (53.5%) patients. Although epidermal growth factor receptor mutation was more frequent in high CA repeat patients [17.5% (7/40) in low vs. 28.3% (13/46) in high, P=0.18], response rate was higher in low CA repeat patients [25.0% (10/40) in low vs. 13.0% (6/46) in high, P=0.16]. In multivariate analysis, low CA repeat was associated with better objective response (odds ratio 7.1, 95% confidence interval 1.2–40.8; P=0.029) and time-to-progression (hazard ratio 0.54, 95% confidence interval 0.34–0.88; P=0.014), independent of the epidermal growth factor receptor mutational status. CA repeat status was not associated with epidermal growth factor receptor expression. Conclusion Low number of CA repeats in intron 1 of epidermal growth factor receptor is associated with gefitinib responsiveness in non-small-cell lung cancer patients independent of epidermal growth factor receptor mutation.
Role of the Internet Site in the Promotion Management of Sports Teams and Franchise Brands

This study examines the role that a website plays in the development of fan allegiance and as a promotion management tool for a sports team and brand. Research indicates that the combination of sports, media (television in particular), and sponsorships when employed in an integrated manner, can develop consumer connection to brands. This study suggests that the Internet is also an important part of an integration strategy of sports, media, and promotion. By working with a new team in the AIFA indoor football league, the researchers were able to determine what helped make fans allegiant to the team before the franchise's inaugural game. The results show that even before the team played its inaugural home contest, fans had become allegiant to the franchise brand and team by using the team internet site. These results indicate that an internet site can serve as a strong promotional tool in an integrated marketing plan of sports, media, and promotion to move fans toward brand loyalty and toward primary goals of the firm, including increased sales.
Optical Detection of Triggered Atherosclerotic Plaque Disruption by Fluorescence Emission Analysis ¶

Fluorescence emission analysis (FEA) has proven to be very sensitive for the detection of elastin, collagen and lipids, which are recognized as the major sources of autofluorescence in vascular tissues. FEA has also been reported to detect venous thromboemboli. In this paper we have tested the hypothesis that FEA can reproducibly detect in vivo and in vitro triggered plaque disruption and thrombosis in a rabbit model. Fluorescence emission (FE) spectra, recorded in vivo, detected Russell's viper venom (RVV)–induced transformation of atherosclerotic plaque. FE intensity at 410–490 nm 4 weeks after angioplasty was significantly lower (P < 0.0033 by analysis of variance) in RVV‐treated rabbits when compared to control animals with stable plaque. FE spectral profile analyses also demonstrated a significant change in curve shape as demonstrated by polynomial regression analysis (R2 from 0.980 to 0.997). We have also demonstrated an excellent correlation between changes in FE intensity and the structural characteristics detected at different stages of “unstable atherosclerotic plaque” development using multiple regression analysis (R2= 0.989). Thus, FEA applied in vivo is a sensitive and highly informative diagnostic technique for detection of triggered atherosclerotic plaque disruption and related structural changes, associated with plaque transformation, in a rabbit model.
Demographic impact of the HIV epidemic in Thailand

Objective:To assess the impact of the HIV epidemic on the demographic development of the Thai population. Methods:A deterministic mathematical model was used to predict simultaneously epidemiological and demographic processes. Partial differential equations express the relationships between biological, behavioural and demographic variables. The model allows the evaluation of different sexual mixing patterns, variable transmission probabilities and incubation times. Validity analysis was performed by generating antecedent HIV prevalence patterns among military recruits and pregnant women. Results:On the national level in Thailand we predict that the cumulative number of people in Thailand with HIV infection will exceed 1 million by 1999; the number of deaths from AIDS will be 550 000 by the year 2000 but will not reach 1 million until after the year 2014. Without the HIV epidemic the population growth rate was estimated at 1.3% per annum until 1995, after which a decline to 0.9% by 2005 is predicted. The HIV epidemic started to affect the population growth rate by 0.026% per year in 1991, and the difference is predicted to rise to about 0.12% per year during the period 1995–2000, to decline to 0.06% in 2005 and then to disappear. In the mid-1990s HIV affected mainly the 15–35-year-old age group, but over time younger and older age groups have been affected as a result of perinatal transmission, and a decline in fertility as well as ageing of the 15–35-year-old birth cohort. Because of HIV, in 2000 there will be 612 000 (1%) fewer people than expected and by 2010, 1 140 000 fewer (1.6%). We predict that the demographic impact of the HIV epidemic in the northern region will follow the same pattern, but with greater severity. Here, the effect on the population growth rate and the population age distribution is likely to be twice as high as at the national level. Conclusions:It is estimated that 1 million Thais will be infected with HIV by the year 2000 and an almost equal number will have died of AIDS by the year 2014. Although these numbers seem high, their direct and indirect effects on the demographic structure of the Thai population are small. However, at a regional level, for example in the northern region, the effect of the HIV epidemic may be more severe.
Shared goals, shared learning: evaluation of a multiprofessional course for undergraduate students

Twenty‐eight undergraduate degree students from seven health care professions attended a two‐day pilot course. Using small multiprofessional groups, final‐year students from occupational therapy, orthoptics, therapy radiography, nursing, physiotherapy, medicine and dentistry explored professional roles and clinical problem‐solving using a theme‐based approach. A balance of didactic and interactive small‐group learning enabled them to identify issues surrounding multiprofessional teamworking and collaboration in the National Health Service. Evaluation results showed that the course increased knowledge and understanding of other health care professions, developed more positive attitudes and demonstrated the importance of multiprofessional teamwork and communication. Participating students believed that both early and regular opportunities for shared learning should be essential aspects of undergraduate courses.
Study of Motivation of Engineering Students on Multinational Design Projects

In today’s world, it has become very common to find engineers working on multinational projects. As a result, educational institutions need to prepare students to succeed in this global working environment by providing educational experiences, where the required professional skills can be acquired. The authors have used multinational design projects as a project-based learning activity to prepare students with global competencies. However, as any other learning activity, the pedagogical effectiveness of those projects depends largely on the intrinsic motivation and interest of students. Therefore, the main goal of this paper was to determine the level of motivation of engineering students participating in a multinational collaborative design project, and make a comparison of such indicator based on gender, geographical location, and class standing. For this purpose, a survey based on the intrinsic motivation inventory was administered to students before starting their participation in the multinational project. The data collected provide information in five constructs: interest, perceived competence, pressure, perceived choice, and value. These constructs provide an indication about students’ motivation when undertaking a multinational collaborative project. The engineering design collaboration included students from six different countries, and their responses to the questionnaire were analyzed. A total of 164 responses were considered valid, their responses were statistically analyzed for internal consistency, and proper constructs are selected. Results indicate that there was a high level of motivation to participate in the project, with few significant differences based on geographical location and class standing, not gender. This paper yields good information about students’ interests, beliefs, and feelings when participating in an international collaborative project.
CSR and Trade: Informing Consumers about Social and Environmental Conditions of Globalised Production: Part I

Focusing on consumer demands in OECD markets and voluntary initiatives taken in the private sector, this study investigates how consumers are informed about the social and environmental conditions under which products have been produced. Consumers of OECD increasingly attach importance to how companies they buy from conduct their business, and the voluntary adoption of CSR policies is spreading in the private sector. But how do consumers know.
The Effect of 2011 Revised Code of Corporate Governance on Pricing Behaviour of Nigerian Auditors

The paper examines the extent which risk management committee and corporate governance committee predict audit fees in Nigeria. We employed random panel data (unbalance) regression analysis to establish whether risk management committee and corporate governance committee affect audit fees. We obtained the data used for this study from the annual reports of public listed companies on the Nigerian Stock Exchange for the periods 2008-2013. Our results indicate a positive relationship between establishment of risk management committee and audit fees while the establishment of corporate governance committee has an insignificant relationship with audit fees. The findings provide evidence to inform policy makers and corporation in Nigeria on how their governance structure affects audit fees. Firms with a strong governance structure have the incentive to improve the quality of their financial report. Therefore, such firms will increase the scope of auditor's work. This result has implication for policy makers because it suggests that corporate governance mechanisms are important in ensuring a quality audit. The paper contributes to literature on audit pricing in the context of the Nigerian audit market that is currently under-researched. The study provides additional theoretical insights by investigating the impact of risk management committee and corporate governance committee on audit fees, which to the best of the researcher's knowledge, have not been tested in the audit fees model.