Comportamiento de lealtad de clientes en los segmentos identificados en la Banca Universal by María Virginia Baptista Araujo, María de Fátima León de Álvarez

“…Ante la creciente competencia e incer tidumbre que caracteriza al actual sector financiero, la gerencia de la banca universal posee como uno de sus principales objetivos estratégicos la retención de su cartera de clientes. …”
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Effect of Graphene Nanoplatelets as Lubricant Additive on Fuel Consumption During Vehicle Emission Tests by Eduardo Tomanik, Wania Christinelli, Pamela Sierra Garcia, Scott Rajala, Jesuel Crepaldi, Davi Franzosi, Roberto Martins Souza, Fernando Fusco Rovai

“…This work presents the development of a graphene-based material as an oil friction modifier additive, from formulation to actual vehicle tests. The graphene material was initially characterized using scanning electron microscopy (SEM) and Raman spectroscopy, which revealed the predominance of graphene nanoplatelets (GNPs) with an average of nine layers. …”
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TRAINING EMPLOYEES TO WORK WITH HI-TECH EQUIPMENT by M. A. Dremina, V. A. Kopnov, A. I. Lyzhin

“…Social and pedagogical contradictions are revealed, on the one hand, in the growing need for highly professional personnel for hi-tech productions, and, on the other hand, in insufficiently effective countermeasures of the system of vocational education and training on closing actual requirements of productions. The discrepancies reducing the quality of preparation of skilled workers are revealed by comparative analysis of competences based on an ideal competence model of the trainer and teacher of VET with the competences presented in educational both professional standards and the discussed projects. …”
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Indonesia’s Approach towards Myanmar’s Crisis: Understanding the Different Perspectives of the Democracy Process in Indonesia and Myanmar and the Role of the Military by Aswin Ariyanto Azis, Firstyarinda Valentina Indraswari, Annisa Ridhatul Khatimah, A. Qalbi Faathimah Azzahra

“…However, it demonstrated no actual progress so far. Many scholars, democracy activists, and foreign policy observers consider Indonesia’s role since its success in reforming its military and turning it into a professional after having political domination. …”
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Estimating the Asphalt Binder Film Thickness Using Scanning Electron Microscope and Energy Dispersive X-Ray Spectroscopy by Fazli Karim, Jawad Hussain, Imran Hafeez

“…Development of state of the art technology and Superpave specification requires the study of actual asphalt binder film thickness at micro-level. …”
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LA RESPUESTA DEL ANTICICLÓN DEL PACÍFICO SUR EN LA COSTA DE CHILE FRENTE AL CAMBIO CLIMÁTICO-IMPACTOS by Juan Minetti

“…Existe una importante evidencia del traslado de L hacia latitudes altas desde mediados del Siglo XX al presente, que podría ser justificado con el actual proceso de calentamiento global, sin embargo esto no parece justificar el comportamiento opuesto observado en la primer mitad del Siglo XX. …”
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El fenómeno de la innovación frugal: productos asequibles, funcionales y minimalistas para atender el segmento bajo del mercado by Marcela Sacanamboy Trujillo, Augusto Rodríguez Orejuela

“…El objetivo de esta revisión de literatura es contribuir a una mayor comprensión del estado actual de la investigación sobre innovación frugal y ofrecer mayor claridad y distinción sobre este concepto. …”
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LA ACCIÓN LOCAL COMO ALTERNATIVA DE DESARROLLO by Álvaro Albán Moreno, Héctor Darío Zapata González

“…De esta manera, el territorio hoy es una expresión de muchos intereses, entre ellos los de la gran empresa, que en el estadio actual de desarrollo capitalista podría configurar oportunidades, pero, simultáneamente, amenazas, teniendo en cuenta que el desarrollo en general ha estado atado al crecimiento industrial con sus beneficios y externalidades negativas de diferente clase. …”
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Doctoral Education as an Institutional Resource for Training Research and Higher Education Personnel (Article 1) by B. I. Bednyi, A. A. Mironos, N. V. Rybakov

“…Our two articles which share the scope of problems and have a single general concept, consecutively address the following issues: the collection and analysis of empirical data on training in doctoral programs; the dynamics of dissertation defense by graduates after the completion of doctoral programs; the actual timeframe of doctoral students’ advancement to their degree; the proportion of graduates who continue their scientific career after graduating from the doctoral program. …”
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Bidirectional Fluid–Structure Interaction Study on Hydrofoil Hardness and Oscillation Mode Optimization by Ertian Hua, Mingwang Xiang, Qizong Sun, Tao Wang, Yabo Song, Caiju Lu

“…These findings provide theoretical support for the study of flexible hydrofoils and contribute to their advancement in pumping applications under actual ultra-low head conditions.…”
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The Investigation of a Method to Improve Static Stiffness of Automobile Body Use Eigenvalue Decomposition of the stiffness matrix. by Akira SATOMURA, Kohei FURUYA, Shinichi MARUYAMA, Shinji NISHIWAKI

“…Although optimization methods are used in many design studies, problems sometimes arise in the actual design stage, and conventional methods in which designers make iterative design changes based on trial and error are still widely used. …”
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Digital twin as a tool of the real-time enterprise management mechanism by Oleksandr Bazyk, Tetiana Grynko

“…This study is devoted to the actual problem of using digital doubles as a tool for an effective mechanism of real-time enterprise management in the context of modern global challenges. …”
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Development and Application of Blast Casting Technique in Large-Scale Surface Mines: A Case Study of Heidaigou Surface Coal Mine in China by Li Ma, Kemin Li, Xiaohua Ding, Hongge Peng, Shuangshuang Xiao

“…An intelligent design software was developed for obtaining better breaking and casting effect, and the error rates predicted with actual result can be controlled with 10%. Blast casting technique was successfully applied in Heidaigou Surface Coal Mine (HSCM) with more than 34% of material casted into the inner dump. …”
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Nomogram for Predicting the Relationship between the Extent of Visceral Pleural Invasion and Survival in Non-Small-Cell Lung Cancer by Fan Wang, Pei Li, Fengsen Li

“…The calibration curve displayed consistency between the actual and predictive values in both training and validation groups. …”
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ANALYSIS OF METHODOLOGY AND MODELS OF STRATEGIC PLANNING OF LOCAL DEVELOPMENT IN BOSNIA AND HERZEGOVINA by Amra Abadžić, Bahrija Umihanić, Mirela Ćebić

“…Priority aims and their actual application to development of local communities are determined by strategic planning and models of strategic planning. …”
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The importance of pain assessment: The specifics of medical care by Pavić Katarina, Perović Dušica, Antonić Roland, Bogdanović-Vasić Slobodanka, Vešić Marija, Savić Nikola

“…Pain is an unpleasant sensory and emotional experience which we associate with actual or possible tissue damage or describe with words corresponding to that damage. …”
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Comparison of Parametric and Nonparametric Methods for Analyzing the Bias of a Numerical Model by Isaac Mugume, Charles Basalirwa, Daniel Waiswa, Joachim Reuder, Michel d. S. Mesquita, Sulin Tao, Triphonia J. Ngailo

“…The study compared January 2015 temperature data for Uganda as simulated using the Weather Research and Forecast model with actual observed station temperature data to analyze the bias using parametric (the root mean square error (RMSE), the mean absolute error (MAE), mean error (ME), skewness, and the bias easy estimate (BES)) and nonparametric (the sign test, STM) methods. …”
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The Role of Imperial Authorities in Electing Muslim Clerics across Yenisei Governorate, Mid-Nineteenth to Early Twentieth Centuries by Elena A. Shershneva

“…The article discusses some actual conditions experienced by Muslim clerics of Yenisei Governorate (Eastern Siberia) in the context of Imperial Russia’s religious policies throughout the mid-nineteenth to early twentieth centuries. …”
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Empoderamiento femenino en el cómic portugués: un manifiesto por la igualdad de género by Ana-Luísa Oliveira, Ângela Balça, Paulo Costa

“…Narran la vida cotidiana y los papeles de la mujer en la sociedad actual, lo que permite al lector reflexionar sobre los estereotipos, la (des)igualdad y discriminación de género, así como sobre la emancipación y el empoderamiento. …”
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Research on Arc Extinguishing Characteristics of Single-Phase Grounding Fault in Distribution Network by Yan Li, Jianyuan Xu, Peng Wang, Guanhua Li

“…Furthermore, an artificial single-phase grounding test platform is constructed within the actual distribution network to validate the accuracy of the simulation model. …”
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