Predicting Internet banking adoption in India: a perceived risk perspective

The emergence of Internet banking has transformed the banking systems across the globe. As a channel to market, Internet banking allows geographical constraints to be overcome by offering various products and services at lower customer costs. An understanding of the factors influencing customer adoption of Internet banking is both relevant and timely. This study integrates technology acceptance model and perceived risk theory in understanding Internet banking acceptance among Indian bank account holders. Specifically, this study categorizes perceived risk as external risk and internal risk, and examines its influence on customer beliefs and adoption of Internet banking. Using two-step predictive analytics of structural equation modeling and artificial neural network analysis, the 270 responses reveal that both external risk and internal risk inhibit customer acceptance of Internet banking. More importantly, neural network analysis reveals that perceived ease of use and external risk are two important factors determining how well Internet banking is accepted by customers. The implications of the study findings and future research directions are presented.     

Extending the scope of hotel client reactions to employee injustice: Hotel employer reviews on the Internet

Third-party literature is concerned about the way others perceive what happens in organizations. When dealing with the perceived justice of the employer-employee relationship, it has mainly adopted an on-site approach. The scarce research focusing on the consequences of perceived justice for client variables in hotels has shown that it can impact client loyalty. In this study, we adopt an on-line view, and we analyze how the comments posted by hotel employees on the Internet about their work conditions influence guest perceptions. This topic is relevant because it is well known that clients’ perceptions influence client satisfaction, WOM and revisit intentions. Through an experiment based on real hotel employer reviews, results confirm that these comments have an impact on the organizational image dimension of service quality, hotel clients’ satisfaction, WOM, and revisit intentions. Thus, as occurs with client eWOM, hotel managers should be aware of these comments and manage them appropriately.     

The Internet of Things: Are you ready for what’s coming?

Are you ready for what’s coming? As senior managers look to connect products, processes, and services to the growing field of the Internet of Things (IoT), this is an important preliminary question. Leveraging the IoT for firm benefit involves revisiting certain ideas that may have gone unquestioned for a long time. In this article, we begin by reviewing the complexity of the IoT, the complexities of an increasingly interconnected environment, and the increasing need to develop partnerships in order to create innovative solutions. We then offer practical insights from a case in which three actors with reciprocal specialties cooperated to create an IoT solution in the form of a connected appliance. While a shared spirit of optimism prevailed throughout the endeavor, reaching the finish line meant jumping a few hurdles along the way. Finally, we describe a number of fundamental issues related to business models, partnership strategy, data ownership, and technology diffusion that every enterprise should address before diving headfirst into the Internet of Things.     

An Empirical Segmentation of Users of Mobile Banking Apps

Digital technologies have squeezed the entire world into a small frame. Trade and transactions never stop, and they go where the customer is. Marketers must reinvent their strategies and toolkits to win in this hyper-connected world. Companies are creating new and improved ways for engaging and involving their consumers, and one significant tool now used by companies for these purposes is the app. Mobile phones have registered the highest growth among all technological evolutions, and mobile apps are proliferating. Apps are being used across a diverse range of industry verticals, including banking, e-commerce, travel, and tourism. This article studies a set of twenty different banking apps and segments consumers based on their adoption and usage of the apps. This article emphasizes the role of mobile technologies to change established channels and banking services, and also analyzes how the Indian banking sector has benefited from the adoption of mobile apps.     

“互联网+”与消费品制造企业转型——基于架构创新的视角

通过研究架构理论,分析了消费品制造企业在"互联网+"背景下的架构创新。提出变换外围要素、核心要素相同的二阶中性置换可以形成两种不同的消费品制造企业架构创新模式。经过改进的双层技术接受模型检验,两种模式的结果殊途同归,预测两种模式结合的双层架构创新模式会成为未来新型消费品制造企业架构创新的主流。     

四川秦巴山区信息化建设研究

受自然地理条件限制,四川秦巴山区信息化发展水平还处于初级阶段,同中国的大城市相比,存在着很大的差距,数字鸿沟突出,并呈现出日益拉大的趋势。在全球信息化的大环境下,加强信息化建设奠定了该地区绿色循环发展的基础,是实现传统产业转型升级的核心手段,是改善民生的必然要求。通过对四川秦巴山区信息化建设现状以及信息化发展存在问题的分析,提出了信息化建设要紧密结合现状,依托重点城镇逐步向山区延伸,达到片区全覆盖;以"互联网+"着手,以科技创新为支撑,从而实现该地区经济的循环跨越式发展。     

网络流行语“中国大妈”和“中国式X”解析--基于认知及社会文化维度

伴随着新媒体的发展，“中国大妈”和与其结构类似的“中国式X”的网络流行语正在受到越来越多的关注。代表一种独特的文化现象的“中国式X”，本身就是一个语言模因，它的各种次生语言形式在模因的作用下得以在社会大众之间广泛繁殖和衍生。我们既可以从认知语言学的概念重叠和概念整合角度对“中国大妈”的形成及其所隐含的调侃语义进行解读，也可以从社会文化学领域的模因论视角对“中国式X”的传播进行探讨。     

消费文化视角下的《流沙》主人公海尔格

从消费文化的角度,通过分析生活在消费社会中的《流沙》主人公海尔格的消费品地位及其所做挣扎,来揭示消费社会中女性主体性构建失败的原因,并指出其对当下女性成功构建其主体性的意义。     

浅析“互联网+”时代分享经济的大力发展

随着互联网的快速发展,分享经济逐渐由传统向行、住等多种领域渗透,获得人们的广泛关注和使用,正处于经济发展的风尖浪口。虽然分享经济在我国发展较快,但是起步较晚,在发展过程中也会受到一些阻碍,本文主要介绍在"互联网+"时代分享经济发展的重要意义,当前的主要表现形式以及如何更好地发展。