Online banking vs. bricks & mortar - or a hybrid model? A preliminary investigation of Australian and Indian banks

Deregulation, innovations in mobile and wireless technologies and media convergence, together with the rapid diffusion of the Internet, have opened up strategic business opportunities in the financial sector. With deregulation removing entry barriers, an increasing number of online banks are threatening the market share of ‘bricks and mortar’ banks. To survive this competition, and to leverage the new opportunities of online and mobile banking facilitated by the Internet, many banks have adapted a hybrid, ‘clicks and mortar’ model, to increase their profitability while reducing transaction costs. In this paper, we report the results of a preliminary analysis based on a few major banks in Australia and India, two diverse economies, to reveal some interesting insights.

Transfer of electronic commerce trust between brick-and-mortar and online business environments

Through experimentation, we establish a causal relationship between trust and the expansion of a retailer from online to brick-and-mortar and vice versa. Trust is multidimensional and contingent on the distribution path first chosen. Vendor trustworthiness (knowledge-based) and technological trustworthiness (institution-based) have different effects depending on the initial and new distribution channel. Expanding from brick-and-mortar to online negatively affects technology-based trust, while transfers from an online to a physical location maintain the same level of technology-based trust. Vendor-based trust is positively affected by transfer from online to the brick-and-mortar location, and is not significantly unaffected by transfers from brick and-mortar to online locations. The perceived “permanence” of a physical location influences consumer beliefs about the location’s trustworthiness.

Estudo numérico do comportamento de muros de arrimo em alvenaria estrutural de blocos vazados

Usually masonry structures has low tension strength, hence the design to flexural efforts can results in high reinforcement ratio, specification of high unit and prism strength, structural members with larger section dimensions and modification in structural arrangement to be possible to use masonry members. The main objective of this study is to evaluate the stiffness, the efforts distribution and the effect of horizontal elements (girders) and vertical elements (counterforts) distribution on the behavior of masonry blocks retaining walls. For this purpose, numerical modeling was performed on typical retaining wall arrangements by varying the amount and placement of horizontal and vertical elements, beyond includes elements simulating the reactions of the soil supporting the foundation of the wall. The numerical modeling also include the macro modeling strategy in which the units, mortar and grout are discretized by a standard volume that represents the masonry elastic behavior. Also, numerical model results were compared with those ones of simplified models usually adopted in bending design of masonry elements. The results show horizontal displacements, principal and shear stresses distribution, and bending moments diagrams. From the analysis it was concluded that quantity and manner of distribution of the girders are both important factors to the panel flexural behavior, the inclusion of the foundation changed significantly the behavior of the wall, especially the horizontal displacements, and has been proposed a new way of considering the flanges section of the counterforts

Dynamic mechanical properties for polyurethane elastomers applied in elastomeric mortar

Dynamic mechanical properties of a polyurethane (PU) elastomer and a mortar processed with the same elastomer (modified polytetramethylene ether glycol (PTMEG)) were studied. The results obtained showed that the liquid aromatic amine ETHACURE (R) 300, used as cure agent, can be used to substitute the aromatic amine MOCA (R), which is usually used as cure agent in high performance elastomers. The resulting mortar produced with ETHACURE (R) 300 presents similar dynamic-mechanical thermal properties when compared with MOCA (R). However, dynamic-mechanical thermal analysis studies showed that the mortar developed with ETHACURE (R) 300 presents some advantages such as the low values of tan d, indicating a good capacity of recovery of the strain after retreating an applied force. (c) 2012 Wiley Periodicals, Inc. J Appl Polym Sci, 2012

Nationalization of the carbonaceous mortar for injection in the CNS's blast furnaces hearths

The consumption of the carbonaceous mortar for injection in the CSN's blast furnaces hearth has increased in the last years, as a function of the modern situation of the blast furnaces com paign. Allied to the growing consumption background, the devaluation of the Brazilian currency stroke hardly the importation costs of this product.

Mortar added by tyre rubber residues: Characterisation in fresh and hardened state

Due to the progressive increase of vehicles, the number of used tires is globally one of the serious environmental problems faced now. Therefore, several researches have being developed for its reuse. The use of tires' rubber in the concrete is a possible form of its application, aiming at the recycling of this material and the improvement of certain properties, as tenacity, impact resistance, thermal and acoustic isolation. This article presents conclusions that several researchers obtained using the rubberized concrete. Thus there were researched several works enclosing the period of 1993 to 2003, presenting then the results of some characteristics of this concrete such as: physical properties in fresh and hardened state, mechanical properties and properties that remit the durability. The bibliographical revision has as objective to subsidize future researches that can contribute to improve the use of this concrete in civil construction.

Estudo experimental de ligações entre paredes de alvenaria estrutural de blocos cerâmicos sujeitas a ações verticais

Pós-graduação em Engenharia Civil - FEIS

Procedimento numérico para análise de vigas de alvenaria estrutural submetidas à flexão simples

Pós-graduação em Engenharia Civil - FEIS

Diagnósticos dos procedimentos executivos nos canteiros de obras de alvenaria estrutural

Pós-graduação em Engenharia Civil - FEIS

Influência do graute e da taxa de armadura no comportamento da alvenaria de blocos de concreto

Fundação de Amparo à Pesquisa do Estado de São Paulo (FAPESP)

Investigação de compósitos cimentícios para preenchimento de juntas da interface e de nichos em ligações de estruturas pré- moldadas

Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES)

Properties of Mortar Using Cubes, Prism Halves, and Cylinder Specimens

Conselho Nacional de Desenvolvimento Científico e Tecnológico (CNPq)

Cement-base bearing pads mortar for connections in the precast concrete: study of surface roughness

Bearing pads are used in precast concrete connections to avoid concentrated stresses in the contact area between the precast elements. In the present research, the bearing pads are Portland cement mortar with styrene-butadiene latex (SB), lightweight aggregate (expanded vermiculite-term) and short fibers (polypropylene, glass and PVA), in order to obtain a material with low modulus of elasticity and high tenacity, compared with normal Portland cement mortar. The objective of this paper is to analyze the influence of surface roughness on the pads and test other types of polypropylene fibers. Tests were carried out to characterize the composite and test on bearing pads. Characterization tests show compressive strength of 41MPa and modulus of elasticity of 12.8GPa. The bearing pads tests present 30% reduction of stiffness in relation to a reference mortar. The bearing pads with roughness on both sides present a reduction up to 30% in stiffness and an increase in accumulated deformation of more than 120%, regarding bearing pads with both sides smooth.

Expansion of mortar bars in the presence of potassium acetate deicer

Carboxylate-based deicing and anti-icing chemicals became widely used in the mid 1990s, replacing more environmentally burdensome chemicals. Within a few years of their adoption, distress of portland cement concrete runways was reported by a few airports using the new chemicals. Distress manifested characteristics identical to that of alkali silica reactivity (ASR), but onset occurred early in the pavement’s operating life and with pavements thought to contain innocuous aggregate. The carboxylate-based deicing chemicals were suspected of exacerbating ASR-like expansion. Innocuous, moderately, and highly reactive aggregates were tested using modified ASTM C1260 and ASTM C1567 procedures with soak solutions containing deicer solutions and sodium hydroxide or potassium hydroxide. ASR-like expansion is exacerbated in the presence of potassium acetate. The expansion rate produced by a given aggregate is also a function of the alkali hydroxide used. Petrographic analyses were performed on thin sections prepared from mortar bars used in the experiments. Expansion occurred via two mechanisms; rupture of aggregate grains and expansion of paste.