The use of Business Intelligence (BI) in the cloud is a game-changer, as it makes BI affordable and easily available as compared to traditional BI. It is expected that customers will slowly but surely migrate from inhouse BI to BI in the cloud. Cloud Computing was a big topic of discussion in the early part of 2010 and many vendors developed strategies and solutions around Cloud BI in 2011. Cus...

A naturalistic field study investigated behavior toward pregnant (vs. nonpregnant) women in nontraditional (job applicant) and traditional (store customer) roles. Female confederates, who sometimes wore a pregnancy prosthesis, posed as job applicants or customers at retail stores. Store employees exhibited more hostile behavior (e.g., rudeness) toward pregnant (vs. nonpregnant) applicants and m...

Emerging markets contain the vast majority of the world’s population. Despite the huge number of inhabitants, these markets still lack a proper finance infrastructure. One of the main difficulties felt by customers is the access to loans. This limitation arises from the fact that most customers usually lack a verifiable credit history. As such, traditional banks are unable to provide loans. Thi...

The web portals business model has spread rapidly over the last few years. Despite this, there have been very few scholarly findings about which services and characteristics make a website a portal and which dimensions determine the customers’ evaluation of the portal’s quality. Taking the example of financial portals, the authors develop a theoretical framework of the web portal quality constr...

Warehouses scheduling is the problem of sequencing requests of products to fulfill several customers’ orders so as to minimize the average time and shipping costs. In this paper, a solution to the problem of multiple warehouses scheduling using the steady state genetic algorithm is presented. A mathematical model that organizes the relationships between customers and warehouses is also presente...

Agility is emerging as an important determinant of success and achieving sustained competitive advantage in hyper-competition. Whilst the digital natives are on the rise, ubiquitous technologies, networks and associated systems are increasingly weaving themselves into the very fabric of everyday life of both individuals and corporations. With a global shift towards “everywhere retailing”, ubiqu...

Predicting customer purchase behaviour is an interesting and challenging task. In e-commerce context, to tackle the challenge will confront a lot of new problems different from those in traditional business. This study investigates three factors that affect purchasing decision-making of customers in online shopping: the needs of customers, the popularity of products and the preference of the cu...

We propose a new modeling approach in Automatic Speaker Verification A.S.V based on Gaussians Mixtures Models and Maximum a posteriori adaptation MAP. We propose clustering algorithm for intra and inter speaker’s variability in voice module and contribute for Universal Speaker Model design. We compare the traditional approach which uses one specific customer model with the second called Univers...

In terms of technology, this probably started to some degree with the wiring of funds from bank to bank, but has now progressed significantly with ATMs, on line banking, and the Internet. The technology is readily available in this day and age to everyone, and everyone has been and is increasingly using it to pursue the business of your customers in a variety of ways. This is not just a matter ...