This paper presents an approach to derive product specifications for investment advisory services. The aim is to make investment advisory services independent products, providing a service model that can be priced. The study resulted in an object-oriented framework for a catalogue of service specifications, called service modules. The approach combines the investment process with general elemen...

This article describes the individualisation of advisories in the financial services sector, especially the consideration of situations and roles. An important aspect in this context is the connection between the requirements imposed by the law (consumer protection and data protection) and the individualisation. Discussing this topic the article concludes that the individualisation benefits fro...

Research into customer satisfaction of advisory services provided by financial service providers (FSPs) indicates a history of problems that originated well before the current financial crisis. As part of a research program into the design of advisory processes and supporting IT tools, we conducted a survey of affluent Swiss investors that was focused on their information search behavior when p...

This paper examines responses to a national FDA advisory that urged at-risk individuals to limit store-bought fish consumption due to the dangers of methyl-mercury. We investigate consumer response using both parametric and nonparametric methods. Some targeted consumers significantly reduced canned fish purchases as a result of the advisory, suggesting that information-based policies can achiev...

BACKGROUND Pressure support ventilation (PSV) should be applied so that the inspiratory muscles are unloaded appropriately. We developed a computerized advisory system that assesses the load on the inspiratory muscles to spontaneously inhale, reflected by the automatically and noninvasively measured work of breathing per minute, and tolerance for that load, reflected by spontaneous breathing fr...

The name Albuca caudata Jacq. has been widely misunderstood or even ignored since its description in 1791. After studying herbarium specimens and living populations in South Africa, plants fitting Jacquin´s concept of that species are found to be widely distributed in the Eastern Cape, mainly in the Albany centre of Endemism. Furthermore, some divergent specimens matching Baker´s concept of Alb...