Perustutkimus palveluinnovaatioprosessissa rahoitusalalla

Palveluinnovaatioprosessi voidaan jakaa 5 eri vaiheeseen: strategiasidonnaisuus, perustutkimus, suorituskyvyn analysointi, systeemimuutokset sekä kaupallistaminen. Tästä palveluinnovaatioprosessista voidaan johtaa perustutkimusprosessi rahoitusalalle: strategiasidonnaisuus, ideoiden luonti ja karsinta, suorituskyvyn analysointi, differointimahdollisuuksien kartoittaminen ja palveluinnovaation myynti yritysjohdolle sekä osakkaille. Strategiasidonnaisuudella varmistetaan, että yritys pysyy omalla osaamisalueellansa hyödyntämällä omia ydinkompetenssejaan. Perustutkimus osana palveluinnovaatioprosessia selvittää oleellisimmat tiedot markkinatilanteesta sekä toimii ohjaavana että karsivana tekijänä uuden tuotteen jatkotoimenpiteille. Yrityksen kyvykkyyksien mittaaminen perustutkimusta varten on oleellinen vaihe uuden palvelun vaatimien liiketoiminnallisten muutosten määrittämiseksi. Tuotedifferoinnilla voidaan luoda kilpailullista etua tuotteiden puolesta homogeenisilla markkinoilla, joissa kilpailu tapahtuu pääosin hinnoittelussa. Rahoitusalalla tuotedifferointi voi muodostua haastavaksi kuluttajien suhtautuessa konservatiivisesti uusiin tuotteisiin. Makroekonomisten tekijöiden perusteella voidaan päätellä, että suomalaiset kuluttajat ottavat lainaa tulevaisuudessakin. Asuntolaina on ollut lainamarkkinoilla luottokannan kasvun veturina ja tästä syystä uudet asuntolainan kaltaiset tuotteet voisivat olla menestyksekkäitä. Kilpailu asuntolainamarkkinoilla kulminoituu kolmen hallitsevan kilpailijan ympärille: Osuuspankki, Sampo Pankki ja Nordea. Asuntolainan kaltainen käänteinen asuntolaina voisi olla menestys markkinoilla, jos sitä pystyttäisiin differoimaan kylliksi. Markkinapotentiaali pelkälle käänteiselle asuntolainalle on tällä hetkellä liian alhainen. GE Money Finland ei myöskään pysty tarjoamaan tuotetta yhtä kilpailulliseen hintaan kuin kilpailijansa. GE Money Finlandin tulisi edellä mainituista syistä johtuen pyrkiä differoimaan käänteisen asuntolainan kaltaista tuotettaan Heloc, jotta se menestyisi markkinoilla.

O inacreditável emprego de produtos químicos perigosos no passado

This work describes an overview of the use of chemicals in several commercial applications along the XXth century. The use of chemicals by men was largely empirical for many centuries, since there was no organized chemical and toxicological knowledge. During the XIXth century the chemical industry gained a crucial role in the development of technology, as evidenced by the extraordinary increase of new products and their incorporation into everyday life. Chemistry was considered a science capable of solving any problem, little regard being paid to the consequences of the widespread use of new chemicals. Efficiency was more important than safety and consumer information. From tragedies and the development of knowledge on toxicology men adopted more careful protocols before a new chemical was proposed for use. Modern life could not exist without the large-scale employment of a variety of chemicals but information on their responsible and conscious use is now essential. Products that were once considered the "last word in technology" have eventually proven dangerous to humans and the environment in the short or long time range. Previous knowledge on the toxicological dangers and the properties of a given substance or product before commercialization is necessary for safe handling.

Sistemas aquosos bifásicos: fundamentos e aplicações para partição/purificação de proteínas

By the year 2005 the world biochemical market will reach an estimated $ 100 billion and separation processes are a vital link between lab discoveries and the fulfillment of this commercialization potential. The practical application of aqueous two-phase systems (ATPS) to extraction processes has been exploited for several years for the recovery of biological products. Unfortunately, this has not resulted in an extensive presence of the technique in commercial processes. In this paper a critical overview of the fundamental thermodynamic properties related to formation of aqueous two-phase systems and their application to extraction and purification of bioparticules is presented.

El rol de la marca en la comunicación del espacio turístico

El turismo es a menudo el aspecto promocional más visible en el proceso de creación y proyección de una determinada imagen territorial. Esto es debido a que la actividad turística acumula un amplio bagaje en aspectos vinculados a la comercialización de espacios geográficos, y esta circunstancia incide, por ejemplo, en la presencia de numerosa literatura relacionada con la promoción, el marketing y el branding de espacios turísticos. A nivel metodológico, se ha optado por un análisis de fuentes documentales, que ha servido para fijar los cimientos de la evolución de la comunicación de los espacios turísticos mediante el uso de marcas. Se concluye que el registro de la comunicación turística ha experimentado una clara mutación en base a una doble dualidad: de la información a la persuasión y de la promoción a la emoción. Asi mismo, el trabajo en cuestión muestra de qué forma la estrategia comunicativa transcurre nuevamente entorno a las necesidades emociona les del potencial turista y/o visitante en detrimento de las necesidades de información subyacentes al propio destino turístico.

Análise multivariada de parâmetros físico-químicos em amostras de vinhos tintos comercializados na região metropolitana do Recife

The Brazilian legislation requires analysis of certain parameters to classify a wine and allow its commercialization. Some physico-chemical and some color parameters were determined in this work in samples of different red wines sold in the metropolitan area of Recife. Multivariate analysis comprising principal component analysis and hierarchical cluster analysis was employed to distinguish the analyzed wines. The results for pH, chloride concentration, color parameters and ammonium content were the most important variables for sample classification. It was also possible to classify the wines as soft or dry wines and amongst the soft wines we could determine two out of four winegrowing producers.

O papel governamental como ator essencial para a P&D de medicamentos: um estudo de casos

The importance of natural products as a source of new high value-added drugs has, no doubt, transformed Brazilian megadiversity into one of the country's most valuable and strategic assets. Thus the rational exploration of the Brazilian flora on an economic basis should be considered as part of a national development strategy. In this respect, governmental mechanisms to stimulate regulation on the access, bioprospection and industrial use of natural products represent a crucial issue. The aim of this paper is to show how the incentives and institutional arrangements that led to one of the greatest breakthroughs in the pharmaceutical industry, the development and commercialization of the anti-cancer agent Taxol, could be applied to the Brazilian case.

Corantes marcadores de combustíveis: legislação e métodos analíticos para detecção

The use of dyes in the commercialization of fuel is usually associated with protection of the source and destination. It is used as "markers" to identify and guarantee the identity of the specific product of a particular manufacturer to discourage theft, tampering and disclosure of the quality of solvent or fuel. This work presents a critical analysis on the state of the art about the available analytical methods for identification and quantification of dyes used as markers of solvents and fuels, as well as evaluation of the physical-chemical staining and laws surrounding their use and commercialization.

Estudo da cinética de oxidação de biodiesel b100 obtido de óleo de soja e gordura de porco: determinação da energia de ativação

The quality of biodiesel is extremely important for its commercialization and use; oxidation of biodiesel is a critical factor because it decreases the fuel storage time. A commercial biodiesel was mixed with synthetic antioxidants, according to a simplex-centroid experimental mixture design, and its stability was evaluated through induction period and activation energy. In all trials, addition of antioxidants increased activation energy in the mixtures containing tertiary butylhydroquinone (TBHQ). When a mixture containing 50% TBHQ and 50% butylated hydroxyanisole was used, synergistic effect was observed, and the major activation energy obtained was 104.43 kJ mol-1.

ANÁLISES FÍSICO-QUÍMICAS DE BIOFILMES DE SULFATO DE CONDROITOINA MODIFICADO

Numerous investigations are dedicated to the research and development of new polymer materials destined for innovation in pharmaceutical forms. The application of these technological resources has allowed the commercialization of new therapeutic systems for modified drug release. This investigation aimed to evaluate the association of modified chondroitin sulfate with an insoluble polymer, Eudragit® RS 30 D, widely available in the pharmaceutical market. Isolated films were prepared by the evaporation process using a Teflon® plate. The aqueous dispersions (4% m/v) of synthetic polymer received the addition of modified chondroitin sulfate at different ratios. The interactions of the polymer chains in the blends were physicochemically characterized by means of Fourier transform infrared spectroscopy, thermal analyses, differential scanning calorimetry, thermogravimetry and scanning electron microscopy combined with hydration and assays in alkaline pH. The results showed appropriate properties of the coating materials for solid oral forms intended for drug deliver in specific environments.

Commercializing technology in transitional economies. Case: Nanotechnology in Russia

The aim of the study is to find out “What are the challenges to overcome for the successful nanotechnology commercialization in Russia?” Working closely with the case country was definitely an advantage when it comes to the understanding of the research subject. The thesis is divided to two parts: first part examines the concept of technology commercialization and identifies unique aspects of the process in context of nanotechnology. Second part is dedicated to an empirical research, investigating current status of nanotechnology commercialization in Russia. For the purpose of this study, Russian and international scientists, researchers, entrepreneurs, industry and government representatives were interviewed systematically during 2007 – 2009. Based on the research done it can be concluded that immense public funding provides necessary support for the development of Russian nanotechnology industry. However, investments alone do not address important structural shortcomings of a national innovation system, which in turn slow down the progress. Taking into consideration gap between science and business and challenging IPR legislation, expected significant economic impact in Russia may be overestimated. Nevertheless it should be noted that development of nanotechnology is advancing rapidly and therefore, the state of commercialization is changing accordingly, even while this lines are written.

Phylogenetic analysis of Tomato mosaic virus from Hemerocallis sp. and Impatiens hawkeri

The culture and commercialization of ornamental plants have considerably increased in the last years. To supply the commercial demand, several Hemerocallis and Impatiens varieties have been bred for appreciated qualities such as flowers with a diversity of shapes and colors. With the aim of characterizing the tobamovirus isolated from Hemerocallis sp. (tobamo-H) and Impatiens hawkeri (tobamo-I) from the USA and São Paulo, respectively, as well as to establish phylogenetic relationships between them and other Tobamovirus species, the viruses were submitted to RNA extraction, RT-PCR amplification, coat-protein gene sequencing and phylogenetic analyses. Comparison of tobamovirus homologous sequences yielded values superior to 98.5% of identity with Tomato mosaic virus (ToMV) isolates at the nucleotide level. In relation to tobamo-H, 100% of identity with ToMV from tomatoes from Australia and Peru was found. Based on maximum likelihood (ML) analysis it was suggested that tobamo-H and tobamo-I share a common ancestor with ToMV, Tobacco mosaic virus, Odontoglossum ringspot virus and Pepper mild mottle virus. The tree topology reconstructed under ML methodology shows a monophyletic group, supported by 100% of bootstrap, consisting of various ToMV isolates from different hosts, including some ornamentals, from different geographical locations. The results indicate that Hemerocallis sp. and I. hawkeri are infected by ToMV. This is the first report of the occurrence of this virus in ornamental species in Brazil.

Hybridityökoneiden markkinapotentiaali

Työn tavoitteena on selvittää menetelmiä hybridityökoneiden markkinapotentiaalin määrittämiseen, työkonemarkkinoiden kokoa ja kasvupotentiaalia, hybridityökoneiden markkinapotentiaalia sekä uuden teknologian kaupallistamisen teorioita. Vuonna 2010 liikkuvien työkoneiden markkinat arvioitiin olevan noin 94–98 miljardia dollaria. Markkinat kasvavat keskimäärin noin 5 prosenttia vuodessa. Alan suurimmat markkinat löytyvät Kiinasta, Euroopasta ja Yhdysvalloista.Hybridityökoneiden markkinapotentiaalia Kiinassa nostaa markkinoiden suuri koko ja nopea kasvuvauhti. Yhdysvaltojen valtti on tukijärjestelmät jotka parantavat hybridiratkaisujen kilpailukykyä. Euroopan potentiaalia nostavat tiukat päästönormit sekä korkea polttoaineen hinta. Markkinapotentiaalin määrittämisen on olemassa useita matemaattisia menetelmiä. Niiden soveltamista hybridityökoneisiin rajoittaa eniten riittävän datan hankinnan haasteellisuus. Vertailemalla yrityksiä teknologian kaupallistamisen teorioissa esiteltyjen menestystä edistävien piirteiden suhteen on teknisen ratkaisun kehittäjän mahdollista valita paras mahdollinen yhteistyökumppani. Soveltamalla kaupallistamisprosessissa kurinalaista mallia, johon kuuluvat sekä teknologiaettä tuotekehitys ja niiden välillä teknologiansiirtovaihe, on teknisen ratkaisun soveltaminen hybriditeknologiaan ja työkoneisiin mahdollista toteuttaa onnistuneesti ja tuoda siten markkinoille kaupallisesti kilpailukykyinen tuote.

Uuden teknologian kaupallistaminen - elektroniikan ja optiikan integrointi 2k-ruiskuvaluprosessissa

Tutkimuksen tarkoituksena oli löytää keinoja uudella teknologialla valmistettujen tuotteiden kaupallistamiseen. Uudella teknologialla tarkoitetaan elektroniikan ja optiikan integrointia 2k-ruiskuvaluprosessissa. Työn teoreettisessa viitekehyksessä kuvattiin elektroniikan ja optiikan integrointi 2-komponenttiruiskuvalumenetelmällä. Toisena tarkastelun kohteena oli uuden teknologian kaupallistaminen. Empiirisessä osuudessa keskityttiin tarkastelemaan elektroniikan ja optiikan komponentteja sisältävän muovituotteen kaupallistamismahdollisuuksia Realplast Oy:ssa. Tutkimuksessa selvisi, kuinka ruiskuvalumuotin rungon tuotteistaminen alentaa muotista aiheutuvien kuoletusten osuutta tuotteen hinnassa. EEMO-teknologian vahvuudet ovat: edullisemmat valmistuskustannukset, tuotteiden vesitiiveys ja iskunkestävyys. Vahvuuksia kannattaa hyödyntää teknologian kaupallistamisessa. EEMO-teknologian kaupallistaminen kannattaa jakaa kolmeen vaiheeseen, koemarkkinointiin protomallien avulla, myyntiin teollisuus- ja kuluttaja-asiakkaille. Strateginen kumppani auttaa kaupallistamisessa etenkin kuluttaja-asiakkaiden tavoittelussa.

Application of Open Innovation Paradigm in Small and Medium Enterprises in Russia

The objective of this study is to explore how the Open Innovation paradigm is applied in by small and medium-size enterprises in Russia. The focus of the study is to understand how the processes of research and development and commercialization proceed in these kind of companies and to which extent they apply open innovation principles. Russian leadership makes certain steps for transition from the export of raw materials to an innovative model of economic growth. The research aims to disclose actual impact of these attempts. The closed innovation model and the erosion factors which lead to the destruction of an old one and emergence of new model are described. Features of open innovation implementation and intellectual property rights protection in small and medium enterprises are presented. To achieve the objective, a qualitative case study approach was chosen. Research includes facts and figures, views and opinions of management of studied companies related to innovation process in the company and in Russia in general. The research depicts the features of Open Innovation implementation by SMEs in Russia. A large number of research centers with necessary equipment and qualified personnel allow case companies to use external R&D effectively. They cooperate actively with research institutes, universities and laboratories. Thus, they apply inbound Open Innovation. On the contrary, lack of venture capital, low demand for technologies within the domestic market and weak protection of intellectual property limit the external paths to new markets. Licensing-out and creation of spin-off are isolated cases. Therefore, outbound Open Innovation is not a regular practice.

Network effects: Scale development and implications for new product performance

More and more innovations currently being commercialized exhibit network effects, in other words, the value of using the product increases as more and more people use the same or compatible products. Although this phenomenon has been the subject of much theoretical debate in economics, marketing researchers have been slow to respond to the growing importance of network effects in new product success. Despite an increase in interest in recent years, there is no comprehensive view on the phenomenon and, therefore, there is currently incomplete understanding of the dimensions it incorporates. Furthermore, there is wide dispersion in operationalization, in other words, the measurement of network effects, and currently available approaches have various shortcomings that limit their applicability, especially in marketing research. Consequently, little is known today about how these products fare on the marketplace and how they should be introduced in order to maximize their chances of success. Hence, the motivation for this study was driven by the need to increase our knowledge and understanding of the nature of network effects as a phenomenon, and of their role in the commercial success of new products. This thesis consists of two parts. The first part comprises a theoretical overview of the relevant literature, and presents the conclusions of the entire study. The second part comprises five complementary, empirical research publications. Quantitative research methods and two sets of quantitative data are utilized. The results of the study suggest that there is a need to update both the conceptualization and the operationalization of the phenomenon of network effects. Furthermore, there is a need for an augmented view on customers’ perceived value in the context of network effects, given that the nature of value composition has major implications for the viability of such products in the marketplace. The role of network effects in new product performance is not as straightforward as suggested in the existing theoretical literature. The overwhelming result of this study is that network effects do not directly influence product success, but rather enhance or suppress the influence of product introduction strategies. The major contribution of this study is in conceptualizing the phenomenon of network effects more comprehensively than has been attempted thus far. The study gives an augmented view of the nature of customer value in network markets, which helps in explaining why some products thrive on these markets whereas others never catch on. Second, the study discusses shortcomings in prior literature in the way it has operationalized network effects, suggesting that these limitations can be overcome in the research design. Third, the study provides some much-needed empirical evidence on how network effects, product introduction strategies, and new product performance are associated. In general terms, this thesis adds to our knowledge of how firms can successfully leverage network effects in product commercialization in order to improve market performance.