In recent years, mobile operations have gained wide popularity among mainstream users, and banks tend to follow this trend. But are bank customers ready to move forward? Mobile banking appears to be a natural extension of Internet banking, . Thus, to predict consumer decisions to adopt mobile banking, it’s useful to understand the pattern of adoption of Internet banking (IB). This investigation...

This study analyzes 39 Atlantic and seven Pacific benthic δC records to characterize obliquity and precession responses in Atlantic overturning since 3 Ma. Regional benthic δC stacks are also analyzed. A major transition in orbital responses is observed at 1.5–1.6 Ma coincident with the first glacial shoaling of Northern Component Water. Since ∼1.5 Ma, the phases of Atlantic benthic δC records ...

Consumer purchasing decisions relating to foreign products are influenced by economic, psychological and sociological factors. This study attempts to relate such rarely studied variables as animosity and ethnocentrism to concepts taken from consumer behavior which are brand image and purchase intention. Consequently, this study attempts to provide insights into how brand image, consumer ethnoce...

consumer purchasing decisions relating to foreign products are influenced by economic, psychological and sociological factors. this study attempts to relate such rarely studied variables as animosity and ethnocentrism to concepts taken from consumer behavior which are brand image and purchase intention. consequently, this study attempts to provide insights into how brand image, consumer ethnoce...

In the realm of counterinsurgency (COIN), the currency is intelligence. In other words— as the Counterinsurgency Field Manual succinctly puts it—intelligence drives operations. “Good” intelligence provides precision, helping the counterinsurgent eliminate insurgents from the populace “like surgeons cutting out cancerous tissue while keeping other vital organs intact.” Within this surgical effor...

Consumer behaviour at pure Internet players has been analysed thoroughly in earlier work. When it comes to retailers with multiple distribution channels, however, new behaviour patterns can be observed. Given the fact that multi-channel retailing is much more common than Internet-only, the analysis of consumer behaviour in a multi-channel context constitutes a challenge for the deeper understan...

A significant portion of the electricity network capacity is built to run only a few days a year when demand peaks. As a result, expensive power generation plants and equipment costing millions of dollars are sitting idle most of the time, which increases costs for everyone. We present randomized load control, a simple distributed approach for scheduling smart appliances. Randomized load contro...

The amount of products and services available over the Internet increases significantly and it soon becomes beyond users ability to analyze and compare them. At the same time the number of potential customers available via the Internet also increases dramatically and starts to be beyond the service providers ability to perform efficient targeted marketing. A possible way for relaxing the above-...

The paper considers the use of a Consumer Price Index (CPI) for three possible purposes: (1) as a Cost of Living Index (COLI); i.e., as a measure of the relative cost of achieving the standard of living when facing two different sets of prices for the same group of commodities; (2) as a consumption deflator; i.e., the price change component for a decomposition of a value ratio into price and qu...