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Privatization of banking system in the Iran, emergence of new competitors and increased competition between public and private banks to retain customers and attract new ones, made banks to Customize their services. Banks do such as a policy to maintain and attract new customers. This happens in customer behavior assessment in terms of the dynamics of psychological (loyalty, trust and customer satisfaction) and are evaluated using ECSI model. In this regard, data collected through questionnaires distributed to available customers one of the Bank. Results showed that all the hypotheses of the study were accepted. If customization is performed in a appropriate manner, customer satisfaction, which is a prerequisite for loyalty, will improve. Customized services make customer encouraged to believe that bank was sensitive to his/her demands and as a result increase customer’s trust which lead to loyalty. Therefore, this study can help managers and policy makers who are executing in the bank.      

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Cry genes encoding Cry proteins toxic to Lepidoptera, Coleoptera and Diptera species were studied in thirty seven B. thuringiensis strains isolated from twelve naturally infested Heliothis armigera larvae. To further confirm the isolates, two groups of species-indicative biochemical tests were applied while discriminative biochemical tests being employed to figure out the repetitive strains. A PCR experiment was performed using five sets of universal primers for cry1, cry2, cry3, cry4, cry7/8 genes. All strains reacted appropriately, for B. thuringiensis, to the biochemical tests and while the reactions to the discriminative tests being varied. Based upon the results of the discriminative tests, twenty four non-repetitive strains were selected and employed in the PCR assay. Each of the selected strains presented one cry gene, at least; cry1 being the most frequently detected one (91.7%), followed by cry2 (87.6%), cry3 (50%) and cry4 (42%) but no isolate harbored a coleopteran-active cry7/8 gene. All the strains presented combinations of two or more cry genes: 20% presenting cry1+cry2, 12.5% cry1+cry3, 4% cry2+cry4, 20% cry1+cry2+cry3, 20% cry1+cry2+cry4, 4% cry1+cry3+cry4 and 12.5% carrying all the four cry genes studied and only one strain bearing a single cry gene. The cry1-cry2 combination was common in many strains (72.5%). Genetic characterization of this collection provides an opportunity for selection of strains with improved and multiple insecticidal toxicity.

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The present study investigated the effects of five Iranian male palm pollen grains as pollen sources on the fruit quality of two cultivars, ‘Barhee’ and ‘Piyarom’ (offshoot-derived and tissue culture-derived). The biochemical and enzymatic properties of fruit dates at the Tamar stage (full maturity) enabled the evaluation of pollen source effects on fruit quality. The research location was Jahrom Research Station, Fars Province, Iran, from 2018 to 2019. The pollen sources were genotypes ‘7001’ (control), ‘7005’, ‘7013’, ‘7030’, and ‘B11’. Pollinated with 7013 pollen, Offshoot-erived (OFS) trees of the ‘Barhee’ cultivar had the highest fruit flesh pH (7.07). In contrast, the lowest pH value (5.84) occurred in fruits of Tissue Culture-Derived (TCD) trees of the ‘Piyarom’ pollinated with the 7030. In the OFS ‘Piyarom’ the pollen source 7001 caused the highest fruit TSS (68.83%). When pollinated with the B11, ‘Barhee’ had the lowest fruit TSS (44.90%). In TCD ‘Piyarom’ trees, the 7030 pollen caused the highest TSS (62.53%). By receiving pollen from B11, the ‘Barhee’ produced fruits with the lowest TSS (44.23%). Regardless of being OFS or TCD and of the pollen source, on average, ‘Barhee’ produced fruits with more moisture content than fruits of the ‘Piyarom’. In OFS ‘Piyarom’ trees, pollen from the 7030 caused the highest Fruit Dry Matter (FDM) (87.40%), whereas the ‘Barhee’ pollinated with the 7001 produced fruits with the lowest FDM (67.15%). In TCD ‘Piyarom’ palms, pollen from the 7030 caused the highest FDM (85.19%), compared to the ‘Barhee’ pollinated with the 7013, which showed the lowest FDM (67.87%). Pollen from the 7030 caused the highest total sugar content in the fruits of OFS and TCD ‘Piyarom’ trees. The fruits of OFS ‘Piyarom’ trees had more Fe and Polyphenol Oxidase (PPO) activity than TCD ‘Piyarom’ trees.