Abstract: Various methods, apparatuses/systems, and media for automatically providing context-based product recommendation are disclosed. A processor establishes a communication link between an application and one or more Internet of Things (IoT) devices wearable by a customer having an account relationship with an institution; receives input data from the IoT devices; assesses surroundings of the customer based on the received input data; generates surroundings data based on the assessed surroundings of the customer; generates customer context data based on the received input data and the surroundings data; implements a classification algorithm to identify products with matching offerings provided by the institution corresponding to the generated customer context data; receives input corresponding to customer consent to receive the identified products; and displays, in response to receiving the customer consent, the identified products onto the application via a predefined communication channel.

Abstract: Systems, method, apparatuses, and software are described for automatically detecting defects in financial transactions, automatically determining resolutions to the defects based on historical defect patterns, an interacting with customers to provide information and/or receive instructions regarding defects and how they should be resolved.

Abstract: Systems, method, apparatuses, and software are described for automatically detecting defects in financial transactions, automatically determining resolutions to the defects based on historical defect patterns, an interacting with customers to provide information and/or receive instructions regarding defects and how they should be resolved.

Abstract: Surfaces of metals and alloys that exhibit hydrophilic, omniphilic or hydrophobic properties, and methods of preparation thereof. The surface is roughened by surface polishing, thermo-catalytic etching, and temperature gradient etching. This procedure produces a hierarchical micro-/nano-scale roughness in the surface which comprises grooves, micro-cavities, and nano-cavities. This greatly enhances the hydrophilic and omniphilic properties of the pure surface without the need for coatings or oxidation. A further step of immersing the roughened surface in a stearic acid solution makes the surface hydrophobic or superhydrophobic.

Abstract: Systems, method, apparatuses, and software are described for automatically detecting defects in financial transactions, automatically determining resolutions to the defects based on historical defect patterns, an interacting with customers to provide information and/or receive instructions regarding defects and how they should be resolved.

Abstract: Systems, method, apparatuses, and software are described for automatically detecting defects in financial transactions, automatically determining resolutions to the defects based on historical defect patterns, an interacting with customers to provide information and/or receive instructions regarding defects and how they should be resolved.

Abstract: Systems, method, apparatuses, and software are described for automatically detecting defects in financial transactions, automatically determining resolutions to the defects based on historical defect patterns, an interacting with customers to provide information and/or receive instructions regarding defects and how they should be resolved.

Abstract: An apparatus and a method are provided. Use is made of a wick structure configured to receive a liquid and generate vapor in when such wick structure is heated by heat transferred from heat sources to be cooled off. A vapor channel is provided configured to receive the vapor generated and direct said vapor away from the wick structure. In some embodiments, heat conductors are used to transfer the heat from the heat sources to the liquid in the wick structure.

Abstract: Systems, method, apparatuses, and software are described for automatically detecting defects in financial transactions, automatically determining resolutions to the defects based on historical defect patterns, an interacting with customers to provide information and/or receive instructions regarding defects and how they should be resolved.

Abstract: Systems, method, apparatuses, and software are described for automatically detecting defects in financial transactions, automatically determining resolutions to the defects based on historical defect patterns, an interacting with customers to provide information and/or receive instructions regarding defects and how they should be resolved.

Abstract: Systems, method, apparatuses, and software are described for automatically detecting defects in financial transactions, automatically determining resolutions to the defects based on historical defect patterns, an interacting with customers to provide information and/or receive instructions regarding defects and how they should be resolved.

Abstract: An apparatus and a method are provided. Use is made of a wick structure configured to receive a liquid and generate vapor in when such wick structure is heated by heat transferred from heat sources to be cooled off. A vapor channel is provided configured to receive the vapor generated and direct said vapor away from the wick structure. In some embodiments, heat conductors are used to transfer the heat from the heat sources to the liquid in the wick structure.