Financial institutions are financed by both investors and customers. Investors expect an appropriate risk-adjusted return for providing financing and risk bearing. Customers, in contrast, provide financing in exchange for specific services, and want the service fulfillment to be free of the intermediary’s credit risk. We develop a framework that defines the roles of customers and investors in i...

this study examined the impact of emotion on customer service and service output deals. the main objective of this study was to investigate the impact of physical environment and social services, the excitement, satisfaction and behavioral intentions of customers and ultimately service outputs. the study of the physical environment has two dimensions and design of physical and social environmen...

In Amazon EC2, cloud resources are sold through a combination of an on-demand market, in which customers buy resources at a fixed price, and a spot market, in which customers bid for an uncertain supply of excess resources. Standard market environments suggest that an optimal design uses just one type of market. We show the prevalence of a dual market system can be explained by heterogeneous ri...

In this paper, a customer incentive scheme is proposed for retailers to build an effective demand response program over the peak demand period to minimize the financial risk. Firstly, an objective function is formulated based on the market operation and an optimal incentive price is derived from this objective function. Secondly, the incentive price is employed as a part of an incentive scheme ...

Journal of Marketing Research Vol. XLVI (August 2009), 506–517 © 2009, American Marketing Association ISSN: 0022-2437 (print), 1547-7193 (electronic) *Yi Zhao is a Fellow of the Center for Excellence in Brand & Customer Management, J. Mack Robinson College of Business, Georgia State University (e-mail: [email protected]). Ying Zhao is Assistant Professor of Marketing (e-mail: [email protected]), a...

Infomediaries are information intermediaries in the Internet that play an important part in reducing online customers’ search costs for finding the most suitable vendors and products. This research explores the process of Web customers’ trust building using infomediaries. Specifically, we identify four sets of trust-related beliefs that impact web customers’ trust attitude and intended behavior...

In 15% to 20% of self-poisoning cases, the pesticides used are purchased from shops just prior to ingestion. We explored how pesticide vendors interacted with customers at risk of self-poisoning to identify interventions to prevent such poisonings. Two strategies were specifically discussed: selling pesticides only to farmers bearing identity cards or customers bearing pesticide 'prescriptions'...

This paper develops and empirically validates customer shopping motives taking account of customer channel selection in multichannel systems. As each channel is associated with certain advantages and disadvantages from a customer’s perspective, we develop – based on behavioral considerations – a customer typology to classify different segments of customers. This enables us to empirically analyz...

The purpose of this paper is to describe working conditions, health outcomes, social, and psychological factors related to HIV risk among Asian women who work at massage parlors in San Francisco. We conducted environmental mapping to identify communities and massage parlors where Asian women work as masseuses, and conducted survey interviews with 100 masseuses using venue-based snowball samplin...

We consider a firm selling a fixed amount of inventory to customers who possess uncertain valuations on a product prior to purchase and realize their complete valuations only after purchase. The firm determines the returns policies over two periods; each of which targets for a group of brand loyal customers or regular shoppers. The customers are strategic, taking into account both the product a...