We present a theory of unsecured consumer debt that does not rely on utility costs of default or on enforcement mechanisms that arise in repeated-interaction settings. The theory is based on private information about a person’s type and on a person’s incentive to signal his type to entities other than creditors. Specifically, debtors signal their low-risk status to insurers by avoiding default ...

Laypersons ("consumers") often have difficulty finding, understanding, and acting on health information due to gaps in their domain knowledge. Ideally, consumer health vocabularies (CHVs) would reflect the different ways consumers express and think about health topics, helping to bridge this vocabulary gap. However, despite the recent research on mismatches between consumer and professional lan...

introduction: the objective of the study was to develop an instrument to measure patient education content. materials and methods: first of all, literature searches were undertaken to determine current national and international patient education questionnaires. then a forty five item questionnaire was developed. questionnaires were filled by 399 patients in surgery wards of kerman medical hosp...

While consumer centricity has been extensively discussed as a concept of organizational transformation in the marketing domain, there is little research on its operationalization as a characteristic of information systems and associated antecedents. We review the marketing literature to understand generic organizational objectives of consumer centricity which are then generalized as characteris...

food labeling is found to be a very important public health tool aimed at providing consumers with information which may influence their purchasing decisions. this study has aimed to assess the consumers' behaviors about the important information on the labels and their reasons for use or non-use. this descriptive cross-sectional study was conducted as point of purchase survey among 2123 shoppe...