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The financialization of everyday life has received considerable attention since the 2008 global financial crisis. Financialization is thought to have created active financial subjects through the ability to participate in mainstream financial services. While the lived experience of these mainstream financial subjects has been the subject of close scrutiny, the experiences of financial subjects at the financial fringe have been rarely considered. In the UK, for example, the introduction of High-Cost, Short-Term Credit [HCSTC] or payday loan regulation was designed to protect vulnerable people from accessing unaffordable credit. Exploring the impact of HCSTC regulation is important due to the dramatic decline of the high-cost credit market which helped meet essential needs in an era of austerity. As such, the paper examines the impact of the HCSTC regulation on sixty-four financially marginalized individuals in the UK that are unable to access payday loans. First, we identify the range of socioeconomic strategies that individuals employ to manage their finances to create a typology of financial subjectivity at the financial fringe. Second, we demonstrate how the temporal and precarious nature of financial inclusion at the financial fringe adds nuance to existing debates of the everyday lived experience of financialization.

The 2008 global financial crisis has been estimated to have resulted in losses of $4.3 trillion dollars to global banking institutions (Castells et al. 2012). The crisis placed the spotlight on banking culture (Moore 2012, 2013; Peston; 2013; Smith 2012; Salz 2013 Spicer et al. 2014; Deloitte 2013; CIPD 2013;) with claims that the causes of the crisis transpired from the ‘very heart of its [banking industry’s] culture’ (FT.com 2014). In the aftermath banks have attempted to introduce cultural change programs to encourage the right behaviours and conduct in an attempt to reduce wrongdoing and misbehaviour. This thesis critically explores mainstream perspectives of organisational culture (Peter and Waterman 1982; Deal and Kennedy 1982) in the context of the banking industry. Mainstream perspectives on culture were encapsulated by the idea that culture can be shaped and modified by management to produce a ‘strong culture’, which would in turn increase commitment, productivity and profitability (Wiener 1988; Parker 2000; Kilmann 1985; Du Gay 1996). Thirty years on since cultural engineering’s initial introduction, practitioners and industry ‘experts’ continue to buy into the virtues of strong culture management, portraying it as a panacea to the banking industry’s problems (PwC 2016; Salz 2013; CIPD 2013). Therefore, this thesis aims to revisit the topic of organisational culture in order to look at how the banking industry has approached culture management post-crisis. This thesis will draw on Foucault’s work on power, discipline and discourse (1977; 1978; 1980) to provide a framework that allows for an exploration into the complexity and ambiguity of culture, arguing that organisational culture is mutually constructed through contesting power relations and the interactions of organisational members. In order to interpret and analyse the empirical data, this thesis developed the concept of performance discourse. This thesis argues that performance discourse influences conduct and behaviour at a taken for granted routine level. It is predicated on competition, financialization of the individual, internalising responsibility and the intensification of work and elitism. Performance discourse goes beyond the dualism that views culture as either a thing or as a metaphor discussed in previous studies. In so doing, it helps us to make sense of why the idea that culture is still a ‘thing’ and a tool for managerial manipulation still dominates industry perceptions, fuelling the continuing, widespread belief that culture is installed top-down.

The use of fiber-reinforced polymer (FRP) jackets as external confinement is becoming popular, especially in seismic areas, because of its ability to enhance the strength and ductility of reinforced concrete to perform as a sustainable symmetric structural member. Therefore, various researchers have worked out for the prediction of strength and strain models of FRP-confined concrete. This study presents the improved strain models for the FRP confined cylindrical concrete members. Different previously proposed models of axial strain of FRP-confined concrete were evaluated based on a large database of 678 specimens from previous experiments and an improved model was proposed using the general regression analysis technique. Furthermore, the proposed model was validated using the previous experimental work of FRP-wrapped concrete cylinders and their finite elements analysis (FEA) using the ABAQUS software. The accuracy of the proposed strain model was quite satisfactory in comparison with the previous experimental and FEA results of the present study. Moreover, the proposed empirical strain model was used for the parametric study to investigate the effect of different geometric and material parameters such as the compressive strength of unconfined concrete, diameter of the cylinder, elastic modulus and thickness of the FRP layers, on the axial strain of FRP-wrapped cylinders. A close agreement among the proposed strain models and experimental outputs was observed. This study will help in understanding the behavior of sustainable FRP-confined symmetric concrete members.

The development of the bus rapid transit system (BRTS) is tremendously growing in developing countries of the world. In large cities, the projection of transportation intends to enhance economic growth and changes the image of the city for both residents and outsiders. The purpose of this research was to study the application of alternative options for energy efficient BRTS in developing countries. The BRTS has some of its accessibility patterns that relate to the socio-economic strata. A decision-making efficiency analysis methodology has been applied to analyze the comparative analysis of both conventional fuel and hybrid bus systems for the Multan city of Pakistan. The section-wise application of a hybrid energy-based bus system has been analyzed in comparison to the conventional bus system. Out of 21 stations, the efficiency-wise hybrid bus system remained superior or equivalent to the standard value of 1 except one midpoint section. The finding of the analysis indicates that the hybrid mechanism of buses can not only replace a conventional fuel-based system, but will also help as an energy-efficient and eco-friendly economical solution. This study will help to revolutionize the bus rapid transit system in developing countries.

Drought stress at any stage of maize causes a marked reduction in growth and yield formation. Thiourea (TU), a well-known plant growth regulator, can ameliorate the abiotic stress by regulating the crop growth and development; however, little is known regarding its role in improving drought tolerance in maize. Therefore, this study was performed to examine the effectiveness of TU in reducing the negative effects of drought stress on maize crop. The treatments were consisted of three drought levels, control (normal irrigation), skip irrigation at the vegetative stage, and skip irrigation at the reproductive stage, and four TU concentrations, water spray, 400, 800, and 1200 mg L-1. The findings showed that drought stress decreased plant height, cob diameter, grain per cob, chlorophyll content, relative water content (RWC), biological and grain yield, and harvest index. Nonetheless, TU application, particularly at 800 mg L-1, significantly increased plant height, cob and stem diameter, grain per cob, chlorophyll (a and b) and RWC, biological and grain yield, and harvest index. The positive influence of TU application on the growth, yield and yield parameters was remained as 800 mg L-1 > 400 mg L-1 > 1200 mg L-1 > water spray (Figure 4d). In conclusion, TU application at 800 mg L-1 is recommended to mitigate effects of drought stress in maize to get the satisfactory production.