Search results for "Consumer"

Consumer engagement and behavioral intention toward continuous use of innovative mobile banking applications - A case study of Finland

2016

This study tests the effects of users’ self-congruence and personal innovativeness on consumer engagement in the context of mobile banking (m-banking) and mobile payment (m-payment) applications. In addition, it examines the effects of engagement and perceived risk on continuous usage intention. We test our hypotheses with two convenience samples of users of m-banking and m-payment applications (total N=1516) using partial least squares structural equation modeling. The results show that a) selfcongruence positively influences all three types of consumer engagement, b) personal innovativeness has a small effect on cognitive processing and affection, c) affection and activation have a positi…

Understanding physiological and physicochemical influences on in-mouth aroma release from yogurts using mechanistic modelling

2008

International audience; On the basis of a first mechanistic model predicting aroma release in the oropharynx during food consumption, the aim of the present work was to improve its accuracy and to use it to identify the main mechanisms responsible for in-mouth aroma release. Comparison between predicted release kinetics and the ones measured by APCI-MS in the nasal cavity of subjects eating flavoured yogurt highlighted the reasonably accurate time predictions of the relative aroma concentration in the nasal cavity and the model ability to simulate successive swallowing events as well as partial velopharyngeal closure. Parameters identified as the most influent for in-vivo aroma release were…

Consumer arrangement under the bankruptcy law act in Poland

2019

the arrangement in consumer bankruptcy is an alternative solution to the liquidation of the bankruptcy estate and establishing a repayment plan. The consumer arrangement in bankruptcy proceedings can be contained in different formats. The regulation of the arrangement in consumer bankruptcy is based on Article 49122 and 49123 of Bankruptcy Law Act and a storied reference to the provisions on the arrangement in bankruptcy proceedings (Article 266a of Bankruptcy Law Act) and on the arrangement under the Restructuring Law. The legislator proposed one more way of debt relief by entering into an arrangement at a meeting of creditors. This solution provides that the debtor, with the help of a pro…

La corruzione privata e la riforma dell'art. 2635 c.c.

2013

L'articolo esplora il trattamento penale dei fatti di corruzione privata, anche alla luce della recente legge n. 190/2012. Due le tesi principali sostenute: 1) contrariamente a quel che si crede, nel nostro ordinamento esiste già (ed esisteva anche prima del 2012) una incriminazione - sia pur non diretta - dei fatti di corruzione privata; 2) la riforma del 2012 cambia l'offensita' tipica dei reati di cui all'art. 2635 c.c., affiancando alla tutela del patrimonio, una tutela della concorrenza quale interesse dei consumatori. The paper explores the Italian discipline on private bribery, which has recently undergone significant reform through law no. 190/2012.

How do consumers perceive artistic innovation? Scale development and validation

2022

Understanding moderating effects in increasing share-of-wallet and word-of-mouth : A case study of Lidl grocery retailer

2018

This study examines how five moderating variables (the length of the customer relationship, following a company in print media and on social media, remembering online advertisements, and the customer’s age) affect the relationships between perceived value and loyalty and satisfaction and loyalty in the grocery retailing sector. A series of hypotheses were developed and tested with a sample of 2,072 discount retailer customers in Finland. The results support all the direct effects hypotheses and show that perceived value and satisfaction both have a positive effect on loyalty, measured as a share of wallet and word of mouth and that the effect of perceived value tends to be stronger in the s…

The Effects of Positive and Negative Emotions During Online Shopping Episodes on Consumer Satisfaction, Repurchase Intention, and Recommendation Inte…

2019

The aim of this study is to examine the emotions that consumers experience during their online shopping episodes as well as their effects on consumer satisfaction and two types of post-purchase behavioural intentions: repurchase and recommendation intentions. By hypothesising a research model and testing it with the data from 1,786 Finnish online shoppers, which was collected in co-operation with 18 Finnish online stores between September 2018 and December 2018 and is analysed by using structural equation modelling (SEM), the study makes several interesting findings. First, we find positive emotions to have stronger effects in comparison to negative emotions. Second, we also find that where…

Choose as many as you wish: Consumer satisfaction and purchase rate increase when choice from large assortments is flexible as opposed to constrained

2020

Five studies across a range of domains show that consumers who can choose as many alternatives as they wish (“flexible choice”), report more positive affective states and purchase more than those who have to choose a pre-defined quantity of products (“constrained” choice). The benefits of choice “flexibility” are stronger in large than small assortments, and are replicated in field and laboratory settings: when people chose cookies after a meal in a restaurant, possible dating partners on a simulated dating website, energy bars from descriptions, and soaps for personal use. The findings have theoretical implications for advancing choice-overload research, as well as practical implications f…

Aksjologiczne aspekty wychowania

2016

Artykuł ukazuje problematykę dotyczącą aksjologicznego aspektu wychowania,jest poszukiwaniem odpowiedzi na pytanie: Jak wychowywać młodego człowieka, by potrafił poruszać się w przestrzeni aksjologicznej, umiał odkrywać, tworzyć, akceptować wartości w poszukiwaniu swojego miejsca w świecie? Uważam, że aby wychować młodego człowieka, tak by żył zgodnie z wartościami uniwersalnymi, należy zadbać o to, by potrafił uczyć się obiektywnego poznawania i respektowania wartości, rozbudzał w sobie zainteresowanie życiem wartościowym. W artykule podkreślono, że aksjologiczny wymiar aktywności człowieka ulega przekierunkowaniu na wartości niższe (hedonistyczne, utylitarne, witalne, prestiżowe). Słabnie…

L'inclusione finanziaria come strumento di cittadinanza degli immigrati

2021

La actual crisis económica, producto de la propagación del COVID-19, que provocó el bloqueo de cadenas productivas enteras, replantea dramáticamente el tema de la inclusión financiera de personas en condiciones de vulnerabilidad económica y social, como los inmigrantes. El fenómeno de la inclusión financiera de los inmigrantes, en general, tiene un carácter multidimensional, estando vinculado a factores sociales, culturales, lingüísticos y religiosos. La definición de inclusión financiera postula una definición previa de la otra cara de la moneda, que es la exclusión financiera, que tiene una estrecha relación con la exclusión social, siendo una la causa de la otra, en una especie de círcul…