Early exchange transactions: commercial practice

2007 ◽  
Vol 2 (1) ◽  
pp. 76-85
Author(s):  
Booi Hon Kam ◽  
Hernan Riquelme

The advent of Internet has provided banks an opportunity to reduce costs, increase customer base, and mass customize by delivering their products and services through this medium. A flurry of studies on Internet banking (IB) has since emerged. The majority of these studies, however, have been directed to either IB adoption or IB service quality delivery. With few exceptions, the impact that customer satisfaction with e-banking service qualities has on IB usage remains unexplored. This study examines a sample of Australian IB users based on their frequency and length of usage. The results show that as customers become more acclimatized to IB, they use these services more often. Further, daily and frequent IB users are more pleased with “ease of use” and “aesthetics” and tend to use IB more for electronic fund transfer and foreign exchange transactions than the less frequent users. The findings suggest that banks need to develop more customized services since there are distinct market segments with different banking requirements.


1957 ◽  
Vol 30 (1) ◽  
pp. 315-325
Author(s):  
R. B. MacFarlane ◽  
L. A. McLeod

Abstract Production of high molecular weight copolymers of butadiene and styrene for use in oil-extended rubbers has aroused interest in the solution properties of copolymers above the molecular weight range commonly encountered in commercial practice. It has been observed that solubility of such polymers in toluene is a time-dependent phenomenon and the apparent solubility can increase continuously, in the absence of agitation, for as long as 800 hours. Although a standard Harris cage solubility test may show the presence of 50% gel, other properties do not confirm the presence of any appreciable quantities of insoluble material. Mild agitation rapidly promotes almost complete solubility. Dilute solution viscosity measurements are very misleading unless the influence of solution time is recognized and apparent intrinsic viscosities rise progressively with time of contact of the sample with solvent. This time-dependence of solution has been found to occur at conversions higher than 50% and is also a function of the amount of modifier used in the polymerization recipe. It has not been possible to shorten the solution time for viscosity measurements by mild heating or gentle agitation. Mixed solvents cause a change in the amount of increase of the apparent intrinsic viscosity but do not shorten the time to equilibrium. Measurement of the slope constant in the Huggins viscosity equation indicate that these solubility and viscosity effects coincide with the appearance of a marked degree of branching in the polymer molecules. The effect is, therefore, interpreted as being caused by the relatively slow disentanglement of molecules of complex structure.


1991 ◽  
Vol 3 (6) ◽  
pp. 627 ◽  
Author(s):  
G Evans

Current use of reproductive technology in the Australian livestock industries is limited, though it increased in line with higher prices for beef and wool through the 1980s. The required techniques, many of which were developed in Australia, are available and the level of expertise is comparable to the best in the world. However, the extensive pastoral industries do not readily lend themselves to these procedures. Only in the dairy industry is artificial insemination used to a significant degree. On the other hand, application of the technology in the pastoral industries is confined largely to studs and breeding cooperatives which provide breeding animals for producer flocks and herds. Hence the impact of applied technology may be more widespread than first appears. Until recently, little regard was paid to application of the technology along sound breeding principles. Artificial insemination and multiple ovulation and embryo transfer (MOET) have not been used so much in planned breeding programmes aimed at local improvement of stock, but more to proliferate genes of reputedly superior stock, imported either from overseas or elsewhere in Australia. This is particularly true of MOET, where the incentive to use it is commonly a short term cash gain made from proliferating breeding stock of a particularly valuable and usually novel strain or breed. Recent technological improvements which render the use of reproductive technology cheaper and more effective will lead to its more widespread use in commercial practice. Techniques for embryo freezing and splitting have been greatly simplified and quickly put into practice. The novel livestock technologies of in vitro oocyte maturation and fertilization have already found commercial application overseas. Fecundity-enhancing products have also been adopted by the livestock industries. There is potential value for greater use of reproductive technology in the livestock industries provided it is implemented according to sound breeding principles and provided associated management practices are applied simultaneously.


Author(s):  
Sune Wolff ◽  
Peter Gorm Larsen ◽  
Marcel Verhoef
Keyword(s):  

1959 ◽  
Vol 26 (2) ◽  
pp. 113-122 ◽  
Author(s):  
F. H. McDowall

1. In commercial practice dairy liquids of fat contents ranging from 3 to 90% are subjected to deodorization by steam distillation treatment.2. Increase in fat test of cream causes a rise in the vapour/liquid equilibrium coefficient for tainting substances of low butterfat/skim-milk distribution ratio, and a fall for substances of high-distribution ratio, in cream.3. Increase in fat content of cream reduces the amount of tainting substance in the cream per unit weight of butterfat in the cream, for substances of all butterfat/skim-milk distribution ratios.4. Separation of milk to cream of a high fat content greatly facilitates the elimination of substances of low butterfat/skim-milk distribution ratio from the cream and butter.5. Variation in temperature of separation, by its effect on the distribution ratio for tainting substances, could affect the content of these substances in the final cream, and could possibly cause a change in the character of the cream.6. In the partition of tainting substance between butter and buttermilk in the churning process, fat content of cream affects the proportion of residual taint passing from the treated cream into the butter.7. It is pointed out that, because of the effect of salt in increasing the vapour/liquid equilibrium coefficient of some steam volatile substances, the threshold concentration for a tainting substance in butter can be expected to vary with variation in the rate of salting of the butter.


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