Adoption of Online Social Networks to Communicate with Financial Institutions

Spain's financial sector is not in a healthy state, and the problems that some financial institutions currently face perpetuate the widespread perception of risk across the entire sector. Moreover, the online social networks (OSN) that emerged a decade ago are suddenly at the very heart of digital society. In this study we develop a predictive model to determine that the motivational factors that influence Spanish users' intention to use OSN to communicate with financial institutions are quality management, availability of information, external conditions, trust, perceived compatibility, perceived usefulness, attitude, and intention. Data were collected from 335 Spanish OSN users through an online survey. The results suggest that quality management has a highly significant and positive effect on perceived usefulness and that perceived usefulness has a positive and significant effect on the intention to use social networks to communicate with financial institutions.     

Beyond Adoption Intention: Online Communities and Member Motivation to Contribute Longitudinally

As online communities become increasingly relevant to business, it is critical to understand how to support contributors' motivation to contribute content longitudinally. In this article, we draw on existing literature on motivation and technology characteristics to conceptualize a model of longitudinal content contribution. We view longitudinal content contribution as a recursive process of interaction between contributors, other participants, and the IT artifacts of online communities. Our study has several important theoretical contributions: first, our study argues that different types of motivation exist and we need to understand how to support contributors' autonomous motivation; second, our study adds the time dimension to content contribution; third, our study clarifies the path from content contribution to motivation; forth, our study helps explain why some rewards can be detrimental to contributors' motivation. Future studies are needed to extend our model and test the propositions from our model.     

Generative Mechanisms of the Adoption of Logistics Innovation: The Case of On‐site Shops in Construction Supply Chains

Empirical studies of logistics innovations have focused on the innovation process, bypassing much the innovative artifact or solution design itself. Focusing on the artifact and solution design in a case study, we contribute to the emerging theory of logistics innovations through articulating the generative mechanisms of the adoption of logistics innovation, that is, the mechanisms through which the design of the solution enables its adoption. We study On‐site Shop, a rare example from the construction industry of a logistics innovation that has successfully migrated from a limited number of pilots to common practice. The case study is based on insights from participation in the design of the solution, and on 55 interviews conducted in a relationship triad consisting of three groups: (1) construction site users, (2) the solution designers, and (3) the suppliers. We propose that standard and efficient solution set‐up is the key enabler of logistics innovation's adoption at temporary construction sites. Communication and operating rules facilitate adoption in the triad, whereas internal and external integration further advance adoption by creating links between the innovative logistics solution and other activities. Finally, trilateral collaboration and congruent technological frames in the relationship triad sustain adoption over time.     

政策性保险:我国农业保险制度的创新

顺应WTO新形势 ,建立政策性农业保险已是我国农业保险制度创新的首要任务。促使这一制度变迁的主要动因是收入压力、交易效率、公共物品、环境变动四个因素。实施农民合作保险 ,农业巨灾保险与一般农业险业务分离 ,政策性保险业务商业化运作 ,财政保费补贴支持的政府参与商业保险的混合经营模式 ,是我国发展农业政策性保险较为现实的选择     

New Technology Adoption,Business Strategy and Government Involvement: The Case of Mobile Commerce

SUMMARY

This research focuses on understanding how business organizations are likely to adopt mobile commerce (m-commerce) technology. Mobile commerce adoption represents a complex process that draws in variables external to the firm such as the environment in which the business operates and the government involvement, as well as variables internal to the company such as its business strategy and its organizational culture. A model is formulated and several research propositions are offered. They will help understand the mobile commerce applications adoption process. Implications of this model and further research avenues are discussed.     

Consumer Adoption of Mobile Internet Services: An Exploratory Study

This study provides a framework that captures the antecedents of mobile internet adoption and the willingness to pay for such service. The theory of reasoned action and components of a theory of innovation adoption were integrated into a research model of consumer adoption of the mobile internet. The hypothesized model included service quality perceptions (fixed internet and mobile technology service), beliefs about mobile internet, and individual difference variables to explain intention to adopt mobile internet. An online questionnaire was used to gather data. The results showed that beliefs and quality perceptions play a significant role in influencing intentions to adopt mobile internet. In particular, beliefs about mobile internet are positively related to the adoption; quality perceptions of fixed internet are found significant to negatively influence adoption intentions, but positively relate to willingness to pay for using mobile internet. Mobile service usage, and peer influence are found non-significant to influence adoption intentions. Fixed internet usage was found negatively affect adoption intentions. Computer skills, knowledge of mobile internet and career mobility are all found positively related to the adoption. In addition, innovation driven consumers are more likely to adopt mobile internet, and intention to adopt plays an important role in shaping actual mobile internet use. Implications of results and directions for future research are examined.     

The Effect of National Culture on the Adoption of Innovations

Studies on the adoption of innovations by companies generally include micro-level and meso-level variables. This study adds to the literature by investigating the role of national culture (i.e. a macro-level variable) to explain differences in adoption rates across countries. In particular, we investigate the effects of the five Hofstede culture dimensions and the culture dimensions proposed by Hall on country adoption rates. Hypothesized effects were tested using a large-scale empirical study concerning the adoption of Enterprise Resource Planning (ERP) software by mid-size companies covering ten European countries. Results indicate that variables describing national culture have a significant influence on the country adoption rates.     

Managing the Innovation Adoption of Supply Chain Finance—Empirical Evidence From Six European Case Studies

Logistics’ contribution to corporate performance has increased over recent years, particularly due to supply chain innovations. Opposed to common innovations focusing on the improvement of product or information flow, supply chain finance (SCF) targets the financial flow and allows buying firms and their suppliers to improve working capital and reduce costs. However, the adoption process of SCF is complex and rather unexplored in academia. This article provides an early step in building knowledge about SCF and in particular how firms adopt SCF, why they adopt differently, and what role suppliers play in the adoption process. The objective was therefore to close the gap between our knowledge on product and information flow oriented innovations and financial flow innovations along the supply chain, namely SCF. For this explorative research, we opted for an inductive multiple case study approach with six European firms. Based on our findings, four sets of propositions are posited and an extended SCF adoption framework is proposed revolving around the interrelated adoption processes of buying firms and their corresponding supplier bases.     

我国吸纳金融创新的时滞效应及其制度因素分析

长期以来,对金融创新在中国金融市场扩散吸收中的时滞效应的认识往往归咎于微观市场主体缺乏吸收能力或竞争所致,而忽略了中国这样的转型经济国家所具有的制度性因素的影响。本文通过分析我国与金融创新国在金融体系、经济体制、经济发展水平、金融相关率、产权制度、市场结构等因素上存在的结构性不均衡,发现异质性金融市场间的结构和金融工具比例的差异性对金融创新扩散可能产生的阻碍机制也是引发我国采纳金融创新扩散中出现时滞现象的重要原因。     

网络环境下企业集团财务管理模式探究

网络环境下集团企业财务管理模式发生重大变化,财务结算速度提高、控制变得更加有力,但同时也带来了新的财务风险。针对集团企业管理链条长、监督环节不当、信息共享性差、资金周转不畅、母子公司目标不一等问题,网络环境下的集团企业对资金和会计人员都应实行统一管理;要加强预算管理,对企业经济活动实施实时控制;要加强投资管理,使投资带给企业利润最大化;要努力提高财务人员网络环境下的实际操作能力。     

论我国寿险营销模式的创新

我国的寿险营销经历了从无到有并正经历从单一到多元化的变革 ,因此 ,有必要对我国现有寿险营销模式及其存在的问题进行剖析、对寿险营销未来的改革与发展趋势进行探讨 ,个性化、多元化营销方式借助科技手段营销模式创新 ,将成为寿险界的发展趋势     

The Impact of Social Influence on Individuals' Adoption of Innovation

This article empirically examines the impact of social factors (peer and social network) on attitudes toward innovation and the impact of that attitude on individual employees adopting innovation in their workplaces in Australia. This research uses quantitative research methodology and specifically multivariate statistical analysis. The research framework is based on the theory of reasoned action, the technology acceptance model, Frambach and Schillewaert's conceptual framework, and the unified theory of acceptance and use of technology. Data were collected from employees of a tertiary institution in Australia using a structured questionnaire. The results of multiple regression analysis show that social network impacts significantly on attitudes toward an innovation which, in turn, affects the innovation adoption behavior of employees. Furthermore, social network has been found to directly influence the innovation adoption process. This outcome has strategic implications for organizations in the effective management of innovation involving employees. These implications are highlighted in the article. This research has focused on only one organization in a particular region in Australia. Future research can explore the relationship between variables by including a number of organizations across Australia and beyond to provide a deeper insight into the issues explored in this article.     

网上购物意图影响因素实证研究

理解消费者网上购物行为是发展网上购物的前提。本文在对前人研究成果进行回顾和总结的基础上,扩展了相关理论,提出了网上购物意图影响因素理论模型。运用自中国网上消费者的调研数据,使用结构方程模型验证了感知使用方便、感知效用、信任和感知风险等前因变量都显著地影响网上购物态度,购买态度决定购买意图,感知风险的中介效应获得数据支持,并证实了网上消费者的双重使用和购买特征,初步厘清了变量之间复杂的因果关系。     

资本资产定价模型的扩展及其在保险中的应用

传统的资本资产定价模型是在一系列过于严格化、理想化的条件下建立起来的。针对现实资本市场情况,通过对资本资产定价模型的应用条件的部分修改,如增加保险公司存在违约风险、交易费用和税收的条件,并且讨论交易费用分别为固定值和保费的函数时的情形以及税收分为固定值和变量的情形,对保费定价问题进行模型扩展。理论推导结果显示,在存在违约风险情况下,保险公司所收保费应该更低;承保费用越少,所需保费就越少;存在税负条件下的公平保费与税收水平有关。     

试析网络保险的可行性

互联网的发展使得网络保险成为可能 ,中国加入WTO使得网络保险变得必要。基于网络保险的特点 ,首先提出了几点技术实现的建议 ,然后分析了其经济可行性 ,最后提出网络保险是中国保险业发展的捷径。     

浅论差异化营销策略在保险产品创新中的运用

目前我国保险产品存在的主要问题是忽视市场定位、产品同构,差异化程度低。差异化营销策略是保险企业实现产品创新的主要策略之一。运用差异化营销策略对保险产品进行创新,才能真正满足保险消费的个性化需求,并从根本上提高保险企业的市场竞争力。     

新精算规定下的万能险公平价值问题分析

基于万能险的金融风险,给出了个人账户的价值模型,运用实物期权的基本思想与方法,在连续死亡效力情形下建立了万能险保单的公平价值模型,得到了公平定价的封闭形式解,实证分析表明,新精算规定的收费是公平的,模型结果与实际相符合。     

Drivers of Customers’ Adoption and Adoption Timing of a New Loyalty Card in the Grocery Retail Market

The authors study consumers’ process of adoption of a new loyalty card in a grocery retail context. More specifically, the authors simultaneously investigate the impact of attitudinal, behavioral, and socio-demographic variables on the likelihood of adoption and the time to adoption. They show that these variables differently affect the adoption likelihood and timing and demonstrate the importance of attitudinal measures of customer loyalty such as commitment to the store. This research confirms the so-called self-selection bias and extends it to the attitudinal dimension of loyalty. Some guidelines are proposed to increase the effectiveness of loyalty card program launches.     

寿险公司在养老保险体系中的作用

从我国的国情出发,采取"社会养老保险+商业养老保险+自我储蓄养老"的模式,并逐步降低对社会保险和自我储蓄养老的依赖,充分发挥商业寿险公司在我国未来养老保险体系中的作用,应该是我国社会保障体制改革的突破口。     

Knowledge and Technology Transfer Relationship between a Research Center and the Production Sector: CIMAT Case Study

This article presents a study of the adoption of a knowledge and technology transfer model at the Center for Research in Mathematics in Guanajuato state, Mexico, in order to define the model that would produce the best outcomes for establishing a transfer relationship with industry, the government, and academia. The transfer of organizational models and practices is a phenomenon that occurs frequently in dynamic globalized organizational contexts that underpin ongoing quests for greater and faster development, while also adapting and exchanging innovative products and services. This article presents theoretical input from specialized entities and authors focused on knowledge and technology transfers at universities and research centers. The methodological strategy used in these research projects adopts a qualitative approach, with the study of an explanatory case study being the methodological tool, together with document analyses and semi-structured interviews. After the results have been obtained, the mechanisms used by the Center were identified for relating to the production sector, noting that this relationship involves high-level direct transfers. Positive outcomes were found that benefitted the Center and the company studied, underscoring the importance of government research centers having a knowledge and technology transfer model allowing identification of the contextual, technical and structural conditions that shape underlying transfer relationship at this Center, as well as the surrounding regions.