this study aims to examine the content of isps' websites in two countries, iran and malaysia. the sample contained 31 iranian and 19 malaysian websites. each website was content analyzed for use of various interactivity functions in three dimensions of consumer – message, consumer – marketer and consumer – consumer interactivity. our findings indicate that iranian websites tend to emphasiz...

W herever one turns these days, one seems to run into comments about the financial condition of the American household. Most of these comments refer to sources of increasing stress on the American consumer, from the historically low household savings rate to the historically high rates of bankruptcy and debt delinquency. On top of all this, demographic trends are raising the prospect of having ...

With the prevalence of Web service, QoS is playing a more and more important role in service evaluation, recommendation and selection. In most previous works, it is often assumed that the delivered QoS of a Web service is often determined by service provider, not service consumer. However, in the practical service execution environment, Web services usually work in an interactive mode with serv...

We examine the effect of direct mail (commonly referred to as junk mail) advertising on individual financial decisions by studying consumer choice of home equity debt contracts. Consistent with the theoretical predictions, we find that financial variables underlying the relative pricing of debt contracts are the leading factors explaining consumers’ home equity debt choice. Furthermore, we also...

Among the existing E-Commerce applications, online auctions are the most influential ones. Their impact on trading in the B2B (business to business) as well as in the B2C (business to consumer) and C2C (consumer to consumer) areas will be inevitable. This article describes the architecture of a web-based realtime online auction system, together with the functional and technical requirements tha...

Consumer devices are changing from functional hardware to access points for networked services. Following this change the manufacturers must update their development strategies in order to gain the new market. The update of the development strategies includes considerations regarding low cost products (devices plus software infrastructure and end-user applications), flexible and dynamic devices...

We examine the effect of direct mail (commonly referred to as junk mail) advertising on individual financial decisions by studying consumer choice of home equity debt contracts. Consistent with the theoretical predictions, we find that financial variables underlying the relative pricing of debt contracts are the leading factors explaining consumers’ home equity debt choice. Furthermore, we also...

We examine the effect of direct mail (commonly referred to as junk mail) advertising on individual financial decisions by studying consumer choice of debt contracts. Consistent with the theoretical predictions, we find that financial variables underlying the relative pricing of debt contracts are the leading factors explaining consumers debt choice. Furthermore, we also find that the intended u...

Mobile phone use has grown dramatically throughout the world. While researchers have explored various facets of use and perceptions across age groups, genders and nationalities, segmentation by utility of mobile phone attributes has received little attention in academic research. Further, understanding how antecedent of attitudes differ by utility-based consumer segments has been underexplored....

Mobile phone use has grown dramatically throughout the world. While researchers have explored various facets of use and perceptions across age groups, genders and nationalities, segmentation by utility of mobile phone attributes has received little attention in academic research. Further, understanding how antecedent of attitudes differ by utility-based consumer segments has been underexplored....